| 54 |
Titel |
TI |
[DE] Pensionskassensystem.
[EN] Improved pension benefits system.
[FR] Système pour caisse de retraite. |
| 71/73 |
Anmelder/Inhaber |
PA |
PENSION BENEFITS SYSTEM TRUST, US
|
| 72 |
Erfinder |
IN |
HALLEY GUSTAVO M, US
;
YANES JULIO M, US
|
| 22/96 |
Anmeldedatum |
AD |
15.03.1988 |
| 21 |
Anmeldenummer |
AN |
88302239 |
|
Anmeldeland |
AC |
EP |
|
Veröffentlichungsdatum |
PUB |
20.09.1989 |
33
31
32 |
Priorität |
PRC
PRN
PRD |
AU
1418288
05.04.1988
|
33
31
32 |
PRC
PRN
PRD |
AU
8149191
30.07.1991
|
33
31
32 |
PRC
PRN
PRD |
BR
8801753
08.04.1988
|
33
31
32 |
PRC
PRN
PRD |
CN
88102215
09.04.1988
|
33
31
32 |
PRC
PRN
PRD |
US
78361085
03.10.1985
|
| 51 |
IPC-Hauptklasse |
ICM |
G06F 15/30
|
| 51 |
IPC-Nebenklasse |
ICS |
|
|
IPC-Zusatzklasse |
ICA |
|
|
IPC-Indexklasse |
ICI |
|
|
Gemeinsame Patentklassifikation |
CPC |
G06Q 40/00
G06Q 40/02
G06Q 40/08
|
|
MCD-Hauptklasse |
MCM |
|
|
MCD-Nebenklasse |
MCS |
G06Q 40/00
(2012.01)
|
|
MCD-Zusatzklasse |
MCA |
|
| 57 |
Zusammenfassung |
AB |
[EN] An improved pension benefits system for enrolled employees (e1, e2, e3...) of subscriber employers (e1, e2, e3...) including a master trust institution (10) and a life insurer institution (12). The master trust institution (10) computes and receives each subscriber employer's periodic payment (c1, c2, c3...) thereinto based primarily upon that employer's number of current employees (e1, e2, e3...), their ages and monthly earnings; purchases and retains a life insurance policy from the life insurance institution (12) covering each enrolled employee (e1, e2, e3...); invests in available securities to generate interest income; provides specific accurate future projections of periodic benefits (18) for retirement, death, or disability; receives all life insurance policy proceeds upon the death of each enrolled employee (e1, e2, e3...); and distributes all periodic payable benefits (18). Funding a significant portion of payable periodic benefits (18) by life insurance policy proceeds retained within the master trust institution (10) is one truly unique feature of this system; life insurance having prescribed amounts of whole life and progressive one-year term dividend rider components is yet another. The level of benefits (18) begins to increase yearly, preferably at a fixed rate simple, from the date of enrollment of each employee (e1, e2, e3...), to help defer the effects of inflation on future purchasing power of future payable benefits. |
| 56 |
Entgegengehaltene Patentdokumente/Zitate,
in Recherche ermittelt |
CT |
DE000002716648A1
US000004648037A
US000004694397A
|
| 56 |
Entgegengehaltene Patentdokumente/Zitate,
vom Anmelder genannt |
CT |
|
| 56 |
Entgegengehaltene Nichtpatentliteratur/Zitate,
in Recherche ermittelt |
CTNP |
Elektronische-Rechenanlagen, Vol. 22, No. 6, 1980, pages 281-288, P. WINKLER: "Buergernahe Verwaltung in der Sozialversicherung mit Hilfe der EDV". 0
|
| 56 |
Entgegengehaltene Nichtpatentliteratur/Zitate,
vom Anmelder genannt |
CTNP |
|
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Zitierende Dokumente |
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Dokumente ermitteln
|
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Sequenzprotokoll |
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Prüfstoff-IPC |
ICP |
G06F 17/60 B
|
