| Patent application number | Description | Published |
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| 20080270323 | System, Method, and Computer Program Product for Providing Stabilized Annuity Payments and Control of Investments in a Variable Annuity Patent Application - A system, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity, the system comprising a processor, a memory, and a computer program stored in the memory. The computer program allocates the short and long term risks associated with an investment to the potential beneficiaries of the annuitant by controlling the allocation of assets between two investment pools. The annuitant pool is the pool on which annuity payments are based and the beneficiary pool contains assets that are provided to the beneficiaries upon the death of the annuitant. The beneficiary pool is used as a cushion to isolate the contents of the annuitant pool from fluctuations in value. The beneficiary pool is initially funded with sufficient assets to minimize the likelihood of its depletion under fairly conservative estimates of market conditions. If the underlying investments perform poorly, assets from the beneficiary pool are reallocated to the annuity pool in order to maintain the existing annuity payment. Thus, for as long as the beneficiary pool is not depleted, the annuity payment is stabilized and will not decrease. If the underlying investments perform favorably, increasing in value, excess amounts above a set trigger level amount will be periodically transferred to the annuitant pool. As these gains are transferred to the annuity pool, the annuity payment amounts will be increased accordingly. | 10-30-2008 |
| 20100185560 | System, Method, and Computer Program Product for Allocating Assets Among a Plurality of Investments to Guarantee a Predetermined Value at the End of a Predetermined Period - A system, method, and computer program product for allocating assets among a plurality of investments to guarantee a predetermined value at the end of a predetermined time period. A computer program controls the allocation of assets in the investment vehicle, which allows the investor to initially invest one hundred percent of the initial deposit in non-secure, high risk investments. At the end of the each trading day, the computer program determines if assets should be reallocated from the non-secure investments to the secure investments, from the secure investments to the non-secure investments, or if no reallocation is necessary. | 07-22-2010 |
| 20100332365 | Financial Instrument Providing a Guaranteed Growth Rate and a Guarantee of Lifetime Payments - A method for providing a financial instrument includes determining an initial account balance associated with a financial instrument based upon an initial deposit amount, wherein the financial instrument includes an account with an account balance that changes over time. The method further includes establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum growth rate for a defined period of time or until one or more defined events occur, whichever is sooner; and establishing a second guarantee that a beneficiary may periodically receive a transfer of an amount of money for the life of a designated party, wherein the amount comprises a percentage of the protected value at the time of a particular event, provided that the amount may vary based upon withdrawals from the account in excess of a first particular limit. | 12-30-2010 |
| 20110145169 | System and Method for Providing a Financial Instrument Utilizing a Liability Ratio - One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio. | 06-16-2011 |
| Patent application number | Description | Published |
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| 20090011671 | POLYURETHANE COATED NON-FLOORING PRODUCTS AND METHODS FOR MAKING SAME - At least certain embodiments of the present invention relate to polyurethane backed non-flooring products, methods of making non-flooring products, and polyurethane compositions for forming a layer of polyurethane on a non-flooring textile, fabric or material. The compositions comprise the reaction product of castor oil having a water content of less than or equal to about 0.2% by weight; a monol, and an isocyanate, wherein the reactants have a soft segment functionality of about 2.0 to about 2.64. Methods of using the compositions and products including the compositions are also disclosed. At least selected embodiments may provide compositions for use in non-flooring surface coverings such as wall coverings, furniture coverings, clothing, tenting, or the like having a show surface such as a textile or fabric face material in contacting overlying relation to a polyurethane backing with or without additional structures, layers, backings, and/or the like, as well as apparatus, processes, and/or methods for making such non-flooring surface coverings, uses for such non-flooring surface coverings, and/or the like. | 01-08-2009 |
| 20090062432 | NOVEL POLYURETHANE COMPOSITIONS INCLUDING CASTOR OIL - At least certain embodiments of the present invention relate to polyurethane compositions for forming a layer of polyurethane on a textile, fabric or material, such as a flooring fabric or a non-flooring fabric. The compositions comprise the reaction product of castor oil having a water content of less than or equal to about 0.2% by weight; a monol, and an isocyanate, wherein the reactants have a soft segment functionality of about 2.0 to about 2.64. Methods of using the compositions and products including the compositions are also disclosed. At least selected embodiments may provide compositions for use in surface coverings such as floor coverings having a show surface such as a textile or fabric face material in contacting overlying relation to a polyurethane backing with or without additional structures, layers, backings, and/or the like, as well as apparatus, processes, and/or methods for making such surface coverings, uses for such surface coverings, and/or the like. In at least one particular embodiment, a floor covering such as a carpet, carpet tile, area rug, floor mat, roll goods, or the like incorporates a textile or fabric face disposed in contacting overlying relation to at least one polyurethane layer. | 03-05-2009 |
| 20090110869 | POLYURETHANE BACKED PRODUCTS AND METHODS - A surface covering such as a carpet, carpet tile, area rug, floor mat or the like incorporating a textile face disposed in contacting overlying relation to at least one polyurethane layer. One or more optional intermediate structure layers may be disposed within, on, over, or under the polyurethane layer and one or more optional backing layers may be disposed across the underside of the polyurethane layer. Polyurethane compositions preferably including castor oil may form the precoat, tiecoat, and/or backing. | 04-30-2009 |
