Abstract: A system includes one or more remote check deposit locations, and one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information

Abstract: The present invention provides a method and system for assuring a minimal guaranteed return on long-term investments, such as mutual funds or variable annuities. The invention includes a method and system for pricing, administration, customer presentation, and reserving relating to the guaranteed minimum return assurance. In addition, the present invention includes a method and system for allowing individual investors to control and easily change their typical asset allocation strategies. In order to accomplish the minimum guaranteed return, the present invention also includes sophisticated projection techniques, such as Monte Carlo simulation of investment performance.

Abstract: In one aspect, the invention comprises a computer implemented method comprising: (a) determining an average monthly cost of long term care for a consumer; (b) determining an estimated total cost of long term care for the consumer; (c) receiving and storing in a computer readable medium data describing the consumer's preferences regarding long term care resources; (d) calculating with a processor an initial benefit amount for the consumer; (e) adjusting with a processor the initial benefit amount based on the data describing the consumer's preferences to determine a total benefit amount; and (f) recommending a long term care policy providing the total benefit amount to the consumer, wherein the processors may the same processor or different processors. Other aspects of the invention comprise related method, computer system, and software embodiments.

Abstract: A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.

Abstract: In one aspect, the invention comprises a system for the management and administration of a longevity policy funded by a retirement account comprising: (a) a means for creating a customized longevity policy by predicting future economic performance based on client data and (b) a means of servicing the customized longevity policy. In another aspect, the invention comprises a method of funding and administering a longevity policy comprising: (a) creating a longevity policy; (b) transferring the asset fee from a retirement account to the longevity policy on a systematic basis; (c) providing statements regarding the longevity policy; (d) distributing benefit payments to the longevity policy holder on a systematic basis; (e) allowing the asset fee and starting age to be adjusted.

Abstract: A system for managing products comprising a plurality of components is provided. In one embodiment, the system further comprises a plurality of parameters governing the interaction among said components and an interface for receiving user input concerning said components; wherein said components and parameters are objects defined and stored externally; said parameters are defined based on possible user input concerning one or more of said components: and one or more of said components and parameters are loaded into the system, revised or removed without rewriting existing software.