Patent ID: 7606754
Filing Date: 2009-10-20
Classification: G06Q

Abstract:
1. A computer method for conforming the value of elements of a portfolio account to known relation, said account receiving at least one deferred payment allocated among at least one fund category, each of said fund categories containing at least one investment vehicle, said method comprising the steps of: receiving by a computer from said account an allocation of liabilities associated with said at least one deferred payment allocated among at least a selected one of said at least one investment vehicles; identifying by the computer a liability balance comprising the step of: accumulating values of assets of the selected ones of said investment vehicles among each of said fund categories and said received liability allocation associated with the selected ones of said investment vehicles; identifying by the computer a value of equity assets held in said portfolio account exclusive of equity assets held in life insurance policies; determining by the computer whether one or more life insurance policies are included in said portfolio account, and, if one or more life insurance policies are included in said portfolio account, determining a value of equity assets in the one or more life insurance policies; combining by the computer the value of the equity assets held in said portfolio account exclusive of equity assets held in life insurance policies and the value of the equity assets in the one or more life insurance policies to determine an asset balance associated with said portfolio account; divesting a portion of said selected ones of said investment vehicles from the portfolio account when a dollar value of said asset balance exceeds a known relation imposed by banking regulation with regard to a dollar value of said liability balance until the dollar value of the portfolio account is within limits with regard to the known relation to the dollar value of said liability balance; and providing by the computer an indication when the value of elements of the portfolio account conform to said known relation.