Patents by Inventor Malcolm H. Lansell

Malcolm H. Lansell 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).

  • ASSET AND LIABILITY MODELING TOOL
    Publication number: 20160110814
    Abstract: A method for modeling financial variables describing a client over a time period. The method may comprise the step of generating a first simulation of the time period. Generating the first simulation may comprise the steps of assigning the client to a first health-related state and advancing the first simulation from a first interval of the time period to a second interval of the time period. A probability that the client will transition from the first health-related state to a second health-related state may be calculated, the client may be randomly assigned to either the first health-related state or the second health-related state considering the probability. According to various embodiments, the methods may also comprise the steps of calculating a client income for the second interval; and calculating a plurality of client expenses for the second interval. Also, the various health-related states may include one or more of a healthy state, a long term care (LTC) state, a disabled state and a dead state.
    Type: Application
    Filed: December 22, 2015
    Publication date: April 21, 2016
    Inventors: Trevor Samuel HARRIS, Richard Graham FOSTER, Marc Daniel DONNER, Matthew P. THOMAS, Jonathan Stanley ROACH, Malcolm H. LANSELL
  • Asset and liability modeling tool
    Publication number: 20100287086
    Abstract: A method for modeling financial variables describing a client over a time period. The method may comprise the step of generating a first simulation of the time period. Generating the first simulation may comprise the steps of assigning the client to a first health-related state and advancing the first simulation from a first interval of the time period to a second interval of the time period. A probability that the client will transition from the first health-related state to a second health-related state may be calculated, the client may be randomly assigned to either the first health-related state or the second health-related state considering the probability. According to various embodiments, the methods may also comprise the steps of calculating a client income for the second interval; and calculating a plurality of client expenses for the second interval. Also, the various health-related states may include one or more of a healthy state, a long term care (LTC) state, a disabled state and a dead state.
    Type: Application
    Filed: July 12, 2010
    Publication date: November 11, 2010
    Inventors: Trevor Samuel Harris, Richard Graham Foster, Marc Daniel Donner, Matthew P. Thomas, Jonathan Stanley Roach, Malcolm H. Lansell