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Method and system for processing data relating to investment products having a payment guarantee

  • US 8,447,636 B2
  • Filed: 06/22/2012
  • Issued: 05/21/2013
  • Est. Priority Date: 07/24/2007
  • Status: Expired due to Fees
First Claim
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1. A computer system for processing data relating to an investment arrangement having an account value dependent on investment performance and available for withdrawal by an account owner, comprising:

  • a data storage device storing data indicative of a prior period account value, a present account value, a withdrawal factor value, a prior period payment base value, and a guarantee of payments available for a term in a plurality of periods without reduction of the payment base value;

    a processor in communication with the data storage device;

    a non-transitory computer-readable medium in communication with the processor, the non-transitory computer-readable medium having computer-executable instructions stored thereon, which instructions, when executed by the processor, cause the processor to;

    determine a present payment base value based on the present account value and the prior period payment base value, the processor being configured to limit a periodic increase in the payment base value to a maximum percentage;

    for each of a plurality of periods, including periods after a first withdrawal, determine an available maximum withdrawal without reduction of the payment base value for a current one of the periods based on a greater of;

    (i) a value based on the withdrawal factor value and the present account value; and

    (ii) a value based on the withdrawal factor value and the present payment base value; and

    provide data indicative of the determined available maximum withdrawal amount via a communication bus to a display device for display to a computer system user; and

    a display device in communication with the communication bus and the processor and configured to display the determined available maximum withdrawal amount.

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