Patent ID: 8346644
Filing Date: 2013-01-01
Classification: G06Q

Abstract:
1. A computer system for determining compliance with a predetermined relation imposed by banking regulations between liability balances and balances of equity assets held in accounts for hedging the liability balances, comprising: a memory device; a processor in communication with the memory device, said processor configured to: determine and store in the memory device a liability balance associated with allocations of deferred funds in equity investments; determine and store in the memory device a value of equity assets held in an account for hedging the liability balance exclusive of equity assets held in life insurance policies; determine and store in the memory device a value of equity assets in one or more life insurance policies held in the account; sum the value of the equity assets held in the 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 equity asset balance associated with the account; determine a relation between the equity asset balance and the liability balance; compare the determined relation between the equity asset balance and the liability balance with the predetermined relation imposed by banking regulations to determine whether the determined equity asset balance is in compliance with the predetermined relation; provide, to a communication network, an output signal having data indicative of instructions to divest a portion of the equity assets from the account when the determined equity asset balance is not in compliance with the predetermined relation until the equity asset balance is in compliance with the predetermined relation; and provide, to the communication network, responsive to determining that the determined equity asset balance is in compliance with the predetermined relation, an output signal having data indicative of compliance of the equity asset balance with the predetermined relation.