Topic
Payment schedule
About: Payment schedule is a research topic. Over the lifetime, 105 publications have been published within this topic receiving 1576 citations.
Papers published on a yearly basis
Papers
Patent•
15 Nov 2004TL;DR: In this article, a consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet, including a notification manager that detects when the electronic bill arrives and notifies the consumer The bill is stored in memory with other unpaid electronic bills.
Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer The bill is stored in memory with other unpaid electronic bills According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (eg, a month) The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest When the consumer desires to pay a particular bill, the bill is presented to the consumer through a graphical user interface (UI) The bill management and payment system supports a payment analyzer to enable the consumer to determine how much of the electronic bill to pay The payment analyzer provides a venue to challenge certain items on the bill
566 citations
TL;DR: In this paper, the authors examined the effect of alternative bond indenture provisions on the allocation of risk among the firm's claimants and concluded that risk is transferred from stockholders to bondholders as the time to maturity and promised payment increase appropriately.
106 citations
Posted Content•
TL;DR: The authors found that respondents do not adequately differentiate between a one-time payment and a series of payments and that implicit discount rates were very high, suggesting that sensitivity to payment schedule is an important subject for further study.
Abstract: Insensitivity to payment schedule, wherein respondents do not adequately differentiate between a one-time payment and a series of payments may be an important, but often overlooked factor in the design, interpretation, and use of contingent valuation studies. Several contingent valuation experiments involving a familiar private good and a less familiar environmental commodity indicate that although respondents distinguished between lump sum and periodic payment schedules, implicit discount rates were very high, suggesting that sensitivity to payment schedule is an important subject for further study.
104 citations
Patent•
8 Jun 2001
TL;DR: In this paper, a process and a system for providing a user with a plurality of periodic retirement income payments is disclosed, which comprises the steps of receiving an input including two of a retirement date, a minimum retirement income amount and a defined premium payment amount for payment over plurality of preset payment intervals.
Abstract: A process and a system for providing a user with a plurality of periodic retirement income payments is disclosed. The process comprises the steps of receiving an input including two of a retirement date, a minimum retirement income amount and a defined premium payment amount for payment over a plurality of preset payment intervals. The process also includes the steps of calculating the other one of the retirement date, the minimum retirement income amount and the defined premium payment amount for an accumulation period defined by the retirement date and a current age of the user; receiving a premium payment amount from the user during the accumulation period; investing the received premium payment amount in an account in a manner consistent with one or more predefined objectives during the accumulation period to realize a retirement income amount. The process further includes the step of transmitting the retirement income amount to at least one of the user and a designated receiver at a designated time after the end of the accumulation period. The retirement income amount includes a predetermined guaranteed minimum retirement income if the received premium payments are received according to a preset premium payment schedule.
95 citations
Patent•
27 Feb 2002
TL;DR: In this article, a system and method for providing a user with a plurality of guaranteed minimum retirement income payments is disclosed, which comprises a variable immediate annuity module to receive an income generating payment and to output a guaranteed minimum income payment amount.
Abstract: A system and method for providing a user with a plurality of guaranteed minimum retirement income payments is disclosed. The system comprises a variable immediate annuity module to receive an income generating payment and to output a guaranteed minimum retirement income payment amount wherein the periodic retirement income payment amount is greater than, equal to, or less than a guaranteed minimum periodic retirement income payment amount if the income generating payments received are received according to a predetermined payment schedule, and wherein the predetermined guaranteed minimum periodic retirement income payment amount is defined by the user. The system also includes an adjustment module for comparing the periodic retirement income payment amount and the guaranteed minimum periodic retirement income payment amount, and for outputting to the user at least the guaranteed minimum periodic retirement income payment amount, the adjustment module storing a balance in an adjustment account if the periodic retirement income payment amount is less than the guaranteed minimum periodic retirement income payment amount.
83 citations
Related Topics (5)
Performance Metrics
| Year | Papers |
|---|---|
| 2021 | 1 |
| 2020 | 4 |
| 2019 | 5 |
| 2018 | 8 |
| 2017 | 5 |
| 2016 | 2 |