Abstract: Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

Abstract: Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

Abstract: The present invention is directed to methods, systems, and interfaces for managing accounts and assets having complicated effects and relationships, including underwriting, specification, administering, updating, servicing and comparison of contingent deferred income annuity contracts for protecting retirement income from diminishment due to the occurrence of at least one pre-retirement risk that may result in loss, reduction or suspension of pension contributions by participants in retirement plans and owners of individual retirement plans.

Abstract: Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

Abstract: Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

Abstract: Systems and methods are provided that include a plurality of sensors, communicatively coupled to one another, to periodically transmit positional location information. A digital image capture device, communicatively coupled to the plurality of sensors, may capture an image of a scene which includes at least one of the plurality of sensors. A processor, communicatively coupled to the digital capture device, may determine a measurement of a least one object in the captured image of the scene, where the measurement of the at least one object is based at least in part on the positional location information received by the digital image capture device at the time that the image of the scene is captured. A display device, communicatively coupled to the processor, may display the determined measurements of the at least one object.

Abstract: A method, machine, article for contract values. Illustratively, there can be a machine configured for transforming digital input data in producing digital output data according to terms of an agreement with a guarantor of a contract value, wherein the agreement permits use of the contract value in place of a market value on a financial statement of a beneficiary of the agreement. The machine can produce output at an output device, the output including at least one of a determined amount of the stable value return and a determined amount of the contract value.

Abstract: A machine, article and method for an installment payment payout at contract value. A method can include: storing in memory terms of an agreement with a guarantor of a contract value for an investment, thus transforming a market value of the investment on a financial statement into a contract value, the terms including a payout of the contract value of the investment as installment payments over time, and that the installment payments will be determined in a manner to make their present value equal to the contract value, wherein the payments are discounted at market interest rates, and a specification that the payments are to be supported by a portfolio of securities to be held in a bankruptcy remote vehicle and by a payment guarantee of the guarantor and further including terms for determining a contract rate of return and a contract value.

Abstract: A system and method for providing insurance protection against loss of contributions to tax favored defined contribution plans should an active employee/participant become disabled. The invention manages the administration of a disability insurance policy held inside the plan that continues contributions to the plan during a period of disability, where the coverage amount for each participant is determined by the level of contributions made by or for each participant.

Abstract: A method, machine, article for classes of ownership interests. A method can include: storing in memory data specifying an agreement by which a first class of ownership interest is obligated to pay consideration to at least one other class of ownership interest in exchange for the at least one other class of ownership interest incurring risk exposure to at least one specified risk associated with the first class of ownership interest and whereby realizing a loss associated with the risk exposure is contingent upon occurrence of at least one specified event; determining, by a digital computer accessing the memory and receiving market data corresponding to an investment associated with the first class of ownership interest, an amount of the risk exposure and an amount of the consideration; and outputting, by the computer, at least one of the amounts.

Abstract: A method, machine, article for servicing a specified event bond. The method can include: storing in memory terms of a bond indenture for a bond, the indenture including an agreement with at least one original investor in the bond whereby an issuer of the bond is obligated to pay to the investor a contingent liability in the bond if a specified event occurs; determining, by a computer accessing the memory and receiving market data, an amount of contingent liability corresponding to the obligation; and outputting, by the computer, the determined amount of the contingent liability.

Abstract: A computer-aided method of computing coverage benefit costs for a retirement plan having respective accounts for individuals, the method including the steps of converting input plan contribution data for at least one of said accounts of said retirement plan into corresponding input digital electrical signals, manipulating the input digital electrical signals in computing the coverage benefit costs for the at least one of said accounts according to said retirement plan, and producing output at an output device. The output including the computed coverage benefit costs for the at least one of said accounts of said retirement plan. The method is suitable for IRS Sec. 401, 408, 457, in cases such as an IRA, ROTH IRA, individual social security accounts of whatever country may be at issue, and the like. Input plan contribution data can include data such as FICA tax, Federal Old Age, Survivors, and Disability Insurance tax data.

Abstract: A method, machine, article for contract values. Illustratively, there can be a machine configured for transforming digital input data in producing digital output data according to terms of an agreement with a guarantor of a contract value, wherein the agreement permits use of the contract value in place of a market value on a financial statement of a beneficiary of the agreement. The machine can produce output including at least one of a determined amount of a stable value return and a determined amount of a contract value.

Abstract: Article, method, and machine transforming input data into output data. A computer: accesses data relating to a bond indenture, receives market data corresponding to terms of the indenture, a specified event, and terms of an agreement hedging a risk; and transforms some of the data into output data in determining a payment amount to the entity, a value of assets of the entity, the assets including the investment and the agreement hedging the risk, a scheduled investor payment amount by the entity, whether there has been an occurrence of the specified event, and, if an occurrence is determined, an adjustment of the scheduled investor payment amount; and outputs the output data including at least one of the payment amount to the entity, the value of the assets of the entity, the scheduled investor payment amount, and, if the occurrence is determined, the adjustment in the scheduled investor payment amount.

Abstract: A method, machine, article for contract values. The method can include: storing in memory terms of an agreement governing a stable value contract whereby a stable value return is to be determined by using a built-up moving average of the yield-to-worst outcome of an investment portfolio; calculating, by a digital computer accessing the memory and receiving market data, an amount of the built-up moving average; determining, by the computer using the amount, at least one of a stable value return on the investment portfolio and a contract value for the investment portfolio; and outputting, by the computer, at least one of the determined stable value return and the determined contract value.

Abstract: A digital data processing method, machine, and article for an entity holding insurance. The machine is configured to transform, by digital processing, data into an accounting for an entity and allocations among parties contributing permanent life insurance to the entity in producing digital output which includes the accounting and at least one of the allocations.

Abstract: A computer-aided method of computing coverage benefit costs for a retirement plan having respective accounts for individuals, the method including the steps of converting input plan contribution data for at least one of said accounts of said retirement plan into corresponding input digital electrical signals, manipulating the input digital electrical signals in computing the coverage benefit costs for the at least one of said accounts according to said retirement plan, and producing output at an output device. The output including the computed coverage benefit costs for the at least one of said accounts of said retirement plan. The method is suitable for IRS Sec. 401, 408, 457, in cases such as an IRA, ROTH IRA, individual social security accounts of whatever country may be at issue, and the like. Input plan contribution data can include data such as FICA tax, Federal Old Age, Survivors, and Disability Insurance tax data.

Abstract: Memory storing terms of a contract for reducing accounting volatility and risk, the terms including specification of at least one measure of variation in a rate of return corresponding to a return on an investment portfolio, a variable speed of adjustment factor and a contract rate of return on an investment associated with the investment portfolio, wherein the amount of the measure of the variation changes over time; a computer computing an amount for the at least one measure of variation, calculating an amount for the adjustment speed factor and using the amounts in: determining at least one of a contract rate of return on the investment associated with the investment portfolio and a contract value for the investment associated with the investment portfolio to produce output.

Abstract: A method, machine, article for a specified event bond. The method can include: storing in memory terms of a bond indenture for a bond, the indenture including a contingent liability obligation whereby an issuer of the bond is obligated to pay to an investor in the bond if a specified event occurs; determining, by a computer accessing the memory and receiving market data, an amount of contingent liability corresponding to the obligation; and outputting, by the computer, the determined amount of the contingent liability.

Abstract: A method, machine, article for a hedged specified event bond. The method can include: storing in memory terms of a bond indenture whereby proceeds from the bond are placed in a bankruptcy-remote entity, an investment is purchased, a risk associated with the investment is hedged, and a scheduled investor payment is adjusted if a specified event occurs; determining, by a digital computer accessing the memory and receiving market data and data corresponding to the specified event, a payment amount to the entity, a scheduled investor payment amount by the entity, a value of assets of the entity, whether there has been an occurrence of the specified event, and if an occurrence is determined, computing an adjustment in the scheduled payment; and outputting, by the computer, at least one of the payment amount to the entity, the scheduled investor payment amount, the value, and, if the occurrence is determined, the adjustment.