Douglas Irby Ward

Title: Douglas Irby Ward: Innovator in Financial Instruments

Introduction

Douglas Irby Ward is a notable inventor based in San Antonio, TX (US). He has made significant contributions to the field of financial instruments, holding a total of 5 patents. His innovative work focuses on creating methods for providing financial products that enhance the flexibility and efficiency of annuities.

Latest Patents

Ward's latest patents include a method for a single premium immediate annuity with adjustable payments. This method involves providing a processor that generates an annuity comprising a fluctuating payment and an option to fix that payment. Additionally, he has developed a method that determines a fluctuating interest rate and generates a periodic payment product based on that rate. This innovation allows for a more dynamic approach to financial planning, enabling users to adjust their payments according to market conditions.

Career Highlights

Douglas Irby Ward is currently employed at the United Services Automobile Association (USAA). His role at USAA allows him to apply his inventive skills in a practical setting, contributing to the development of financial products that serve a wide range of customers.

Collaborations

Some of his coworkers include Lisa Ellis Schwartz and Phillip Neil Beyer. Their collaboration fosters an environment of innovation and creativity, enhancing the development of new financial solutions.

Conclusion

Douglas Irby Ward's contributions to the field of financial instruments demonstrate his commitment to innovation and improvement in financial products. His work continues to influence the industry, providing valuable solutions for consumers.