http://rdf.ncbi.nlm.nih.gov/pubchem/patent/US-2020143480-A1

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filingDate 2018-11-05-04:00^^<http://www.w3.org/2001/XMLSchema#date>
inventor http://rdf.ncbi.nlm.nih.gov/pubchem/patentinventor/MD5_71067d7a4508ba44ff14f8a1ecd38932
publicationDate 2020-05-07-04:00^^<http://www.w3.org/2001/XMLSchema#date>
publicationNumber US-2020143480-A1
titleOfInvention 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
abstract 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.
isCitedBy http://rdf.ncbi.nlm.nih.gov/pubchem/patent/US-10979557-B2
http://rdf.ncbi.nlm.nih.gov/pubchem/patent/US-11533396-B2
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