首页> 外国专利> Method and apparatus for anonymously pooling capital and making periodic distributions or dividends to remaining pool particpants based on cohort status and finanacial instrument yield combined with mortality credits associated with the longevity of participants

Method and apparatus for anonymously pooling capital and making periodic distributions or dividends to remaining pool particpants based on cohort status and finanacial instrument yield combined with mortality credits associated with the longevity of participants

机译：匿名汇总资本并根据同类群体状态和金融工具收益并结合与参与者的寿命相关的死亡率积分对剩余的汇总参与者进行定期分配或分红的方法和装置

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摘要

The present invention relates to an administered program consisting of a fixed pool of securitized assets allocated to a fixed population of digitized anonymous pool participants divided into Cohorts based on similar age and attributes. For a period of time, pool survivors receive their own allocation of distribution or dividend and also share pro-rata in a deceased pool member's dividend or distribution (a “Mortality Credit”) until the program's end. The result is an increasing yield investment for surviving pool participants. Modern technology such as digital certificates, smart contracts, encryption technology, electronic fingerprints, voiceprints, retinal scans, facial imaging, DNA testing and block chain and hyper ledger distribution technology will be applied in a sequential and encrypted multi-computer process to maintain administrative purpose and the anonymity of the pool participants whereby there is a guarantee that no pool participant can identify another participant in the same Cohort and/or same pool.

机译：本发明涉及一种管理程序，该程序包括固定资产证券化资产池，该资产池分配给固定数字化匿名池参与者的固定群体，该参与者基于相似的年龄和属性分成同龄人。在一段时间内，池幸存者将获得他们自己的分配分配或红利，并按比例分配给已故的池成员的股息或分配（“道德信用”），直至计划结束。结果是增加了对幸存池参与者的收益投资。数字证书，智能合约，加密技术，电子指纹，声纹，视网膜扫描，面部成像，DNA测试以及区块链和超账本分发技术等现代技术将在顺序加密的多计算机过程中应用，以维持管理目的以及池参与者的匿名性，从而保证没有池参与者可以标识同一同类群组和/或相同池中的另一个参与者。

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公开/公告号US2020143480A1

专利类型
公开/公告日2020-05-07

原文格式PDF
申请/专利权人 RICHARD T. STROTHER;
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申请/专利号US201816350324
发明设计人 RICHARD T. STROTHER;
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申请日2018-11-05
分类号G06Q40/08;G16H50/30;
国家 US
入库时间 2022-08-21 11:19:35

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