Patents by Inventor Dain E. Runestad

Dain E. Runestad has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • System and method for providing a financial instrument utilizing a liability ratio
    Patent number: 8504460
    Abstract: 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.
    Type: Grant
    Filed: February 17, 2011
    Date of Patent: August 6, 2013
    Assignee: The Prudential Insurance Company of America
    Inventors: Jacob M. Herschler, Daniel O. Kane, N. David Kuperstock, Robert F. O'Donnell, Steven L. Putterman, Dain E. Runestad, Robert J. Schwartz, Nicholas Berardis, Jr., John L. Grucza, Michael A. Guido, J. Scott Dunn