CN101506832A - 管理保险方案的系统和方法 - Google Patents

管理保险方案的系统和方法 Download PDF

Info

Publication number
CN101506832A
CN101506832A CNA2007800213415A CN200780021341A CN101506832A CN 101506832 A CN101506832 A CN 101506832A CN A2007800213415 A CNA2007800213415 A CN A2007800213415A CN 200780021341 A CN200780021341 A CN 200780021341A CN 101506832 A CN101506832 A CN 101506832A
Authority
CN
China
Prior art keywords
life
insured person
spending
small part
expenditure category
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CNA2007800213415A
Other languages
English (en)
Inventor
阿德里安·戈雷
赫舍尔·菲利普·迈尔斯
肯尼思·史蒂文·拉布森
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Discovery Holdings Ltd
Original Assignee
Discovery Holdings Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Discovery Holdings Ltd filed Critical Discovery Holdings Ltd
Publication of CN101506832A publication Critical patent/CN101506832A/zh
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/087—Inventory or stock management, e.g. order filling, procurement or balancing against orders
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Abstract

一种管理保险方案的方法，包括：限定多种生活开支类别；限定多种人寿变动事故；在该方案的受保人发生人寿变动事故时，为所述受保人或受保人的指定受益人至少部分补助在生活开支类别上的开支。

Description

管理保险方案的系统和方法
技术领域
本申请涉及一种管理保险方案的系统和方法。
本发明可以由传统的人寿保险计划运营商为其成员实现或由另一方来实现。
背景技术
通常，基于受保人(有时称为被保险人)向寿险公司支付保险费，以及寿险公司在发生保险事故时向被保险人或他/她的受益人支付预定总额(称为保险总额)，保险政策(诸如人寿保险政策)进行运作。典型的保险事故是被保险人经受伤残、染上重病或死亡。
然而，应当了解，处理并完成支付可能需要一些时间，在某些情况下多达几个月甚至几年。在这种情况下，如果受保人依赖于该支付，那么他们会有短期的财政困难。
因此，需要一种解决该问题的系统和方法。
发明内容
根据一个示例性实施例，提出了一种管理保险方案的方法，该方法包括：
限定多种生活开支类别；
限定多种人寿变动事故；
在该方案的受保人发生人寿变动事故时，为受保人或受保人的指定受益人至少部分地补助在生活开支类别上的开支。
多种生活开支可以包括由食物、衣物、交通、公用设施(utility)、通信、以及住房开支组成的组中的至少一项。
补助金可以是在所限定的生活开支类别上发生的开支的预定百分比，或者可以是在所限定的生活开支类别上发生的开支的限定金额。
在一个实例中，多种人寿变动事故包括伤残、染上重病、或死亡。
可以在预定周期(诸如12个月)内进行至少部分补助开支。
可以通过偿还受保人或其指定受益人偿在所限定的生活开支类别上发生的开支来实现至少部分补助。
可以通过以受保人或其指定受益人的名义为在所限定的生活开支类别上发生的开支向第三方支付付费来实现至少部分补助。
在一个实例中，通过计算受保人在人寿变动事故之前的一个时间周期内在多种生活开支类别上的花费，接着向受保人或其指定受益人支付该金额或该金额的百分比，来实现至少部分补助。
另外，至少部分补助金可以是通过确定受保人在人寿变动事故之前的一个时间周期(诸如六个月)内在多种生活开支类别上的花费而计算出的可应用的最大金额。
该方法可以链接到被保人的信用卡，从而通过以受保人或指定受益人的名义来支付花费在信用卡上的金额的至少一部分而实现至少部分补助。
可以通过检查在信用卡上的历史花费来确定在生活开支类别种的任一种上的花费的金额。
本发明还包括用于管理保险方案的电子系统，该系统包括：
生活开支模块，用于限定多种生活开支类别；
人寿变动事故模块，用于限定多种人寿变动事故；以及
计算模块，在该方案的受保人发生人寿变动事故时，计算受保人或受保人的指定受益人在生活开支类别上的开支的至少部分补助金。
计算模块可以计算多种生活开支，多种生活开支包括由食物、衣物、交通、公用设施、通信、以及住房开支组成的组中的至少一项。
计算模块可以计算至少部分补助金计算作为在所限定的生活开支类别上发生的开支的预定百分比，或者作为在所限定的生活开支类别上发生的开支的限定金额。
由人寿变动事故模块限定多种人寿变动事故包括伤残、染上重病、或死亡。
计算模块可以计算预定周期(诸如12个月)内的开支的至少部分补助。
该系统还可以包括：支付模块，用于实现至少部分补助金的支付。
支付模块可以通过偿还受保人或其指定受益人偿在所限定的生活开支类别上的开支来实现支付。
可以通过支付模块以受保人或其指定受益人的名义为在所限定的生活开支类别上的开支向第三方付费来实现至少部分补助。
通过计算模块计算受保人在人寿变动事故之前的一个时间周期内的在多种生活开支类别上的花费，接着向受保人或其指定受益人支付该金额或该金额的百分比，来实现至少部分补助。
至少部分补助金可以是通过计算模块确定受保人在人寿变动事故之前的一个时间周期(诸如六个月)内在多种生活开支类别上的花费而计算出的可应用的最大金额。
该方法可以链接到被保人的信用卡，从而通过支付模块以受保人或指定受益人的名义来支付花费在信用卡上的金额的至少一部分来实现至少部分补助。
在一个实例中，可以通过检查在信用卡上的历史花费来由计算模块确定在生活开支类别中的任意一种上的花费的金额。
一种包括指令的机器可读介质，当由该机器执行时，这些指令使该机器执行包括以下步骤的方法：
限定多种生活开支类别；
限定多中人寿变动事故；
在该方案的受保人发生人寿变动事故时，为受保人或受保人的指定受益人至少部分补助在生活开支类别上的开支。
附图说明
图1是示出示例性实施例的方法的流程图；以及
图2是示出实现本文所描述的方法的示例性系统的框图。
具体实施方式
本文所描述的系统和方法涉及管理保险方案(诸如人寿保险方案)的系统和方法。
基于受保人(称为被保人)定期向寿险公司支付保险费以指定在发生保险事故时作为将要支付的金额的保险总额，传统的人寿保险方案进行运作。例如，在被保人死亡时，向被保人的指定受益人支付预定的死亡保险赔偿费。如果被保人伤残或得了重病，则支付不同的较少金额。
参照这几种方案来描述该方法和系统，但应该理解，该方法和系统同样可应用于其他类型的保险方案。
也可以了解，可以通过任意的相关人员或机构来实现该系统和方法。例如，该系统和方法可以由运作人寿保险方案的机构来运作，或者可以由其他相关联的机构来实施。在一个实例中，可以由向其成员发行信用卡的财政机构来实现该系统和方法。
为了说明的目的，在本文中将描述由人寿保险方案的管理者来运作的系统和方法。
参照图1，限定多种生活开支类别(框10)。在所示出的实例中，生活开支类别包括由食物、衣物、交通、公用设施、通信、以及住房开支组成的组中的至少一项。应当了解，该方法可以包括：将所有这些限定为生活开支类别。
除此之外，限定多种人寿变动事故(框12)。在该实例中的多种人寿变动事故包括伤残、染上重病或死亡，这是由于这些事故是人寿保险方案所承保的典型事故种类。然而，应该了解，在其他背景下，这些人寿变动事故可以是其他事故，例如，孩子出生或换工作(仅是为了列举几个例子)。
在任何情况下，该方案的受保人的人寿变动事故的发生导致为受保人或受保人的指定受益人至少部分补助在生活开支类别上的开支(框14)。通常补助金被安排给受保人，但是在受保人已死亡或丧失劳动能力的情况下，为受保人已在该事故之前指定的受益人启动该补助金。
补助金可以是将在限定的生活开支类别内发生的开支的预定百分比，或者可以是将在限定的生活开支种类内发生的全部开支，并且可以被用于预定周期(诸如以12个月为例)。在一个实施例中，在其用于过渡类型的援助的情况下，该周期通常不会是太长的周期。在其他实施例中，这可以用作长期援助并因而可以延续数年，例如，直到指定受益人过世或达到特定年龄。
该补助金还可以采取多种不同形式中的任一种。
在一个实例中，通过偿还受保人或其指定受益人在限定的生活开支类别内发生的开支来实现该补助。
可替换地，通过以受保人或其指定受益人的名义为在限定的生活开支类别内发生的开支向第三方付费来实现该补助。
在第三实例中，通过计算受保人在人寿变动事故之前的一个时间周期内在多种生活开支类别上的花费，接着向受保人或其指定受益人支付该金额或该金额的百分比，来实现该补助。
该补助金可以是通过确定受保人在人寿变动事故之前的一个时间周期(诸如以六个月为例)内在多种生活开支类别上的花费而计算出的可应用的最大或最小金额。
在一个实施例中，该方法链接到被保人的信用卡，从而通过以受保人或指定受益人的名义支付花费在信用卡上的金额的一部分来实现补助。
在该实例中，通过检查在信用卡上的历史花费来确定在生活开支类别中的任意一种上的花费金额。
以下在表格中示出了该方法的详细实例。
表1：所投保的事故
 
投保的人寿变动事故 保险赔偿费期限
死亡 12个月
伤残 12个月
重病 12个月
表2：所提供的保险赔偿费
Figure A200780021341D00121
在上述实例中，通过在连锁购物店给受保人或其指定受益人100％折扣来实现食物和衣物的生活开支类别。
可替换地，这可以通过为一定种类的食物和/或衣物付费来实现。
当结合发行给受保人的信用卡来实现时，该方法尤其起作用。这是因为受保人可以使用信用卡来继续购买必需的商品，而保险公司会自动为信用卡中特定项目付费。
应当了解，在人寿变动事故之后向受保人或其指定受益人提供短期保护，使得他们在继续每天的生活上得到援助。
图2示出了用于实现上述方法的示例性系统。
服务器20包括多个用于实现上述方法的模块。
生活开支模块22限定多种生活开支类别。
人寿变动事故模块24限定多种人寿变动事故。
在该方案的受保人发生人寿变动事故时，计算模块26计算受保人或受保人的指定受益人在生活开支类别上的开支的至少部分补助金。
支付模块28用于根据上述方法之一来实现至少部分补助金的支付。
该系统可以包括用于存储允许实现这些方法的信息的数据库30。
上述模块可以通过包括指令的机器可读介质来实现，这些指令当由该机器执行时使该机器执行上述方法中的任意一种。
应当了解，本发明的实施例并不限于这样的结构，并且同样可以发现在分布式、或对等的结构系统中的应用。因此，所示出的模块可以位于由一个或多个公共机构操作的一个或多个服务器上。

Claims (28)

1.一种管理保险方案的方法，所述方法包括：
限定多种生活开支类别；
限定多个人寿变动事故；
在所述方案的受保人发生所述人寿变动事故时，为所述受保人或所述受保人的指定受益人至少部分补助在所述生活开支类别上的开支。
2.根据权利要求1所述的方法，其中，多种所述生活开支包括由食物、衣物、交通、公用设施、通信、以及住房开支组成的组中的至少一项。
3.根据权利要求1或2所述的方法，其中，所述补助金是在所限定的生活开支类别上发生的开支的预定百分比，或者是在所限定的生活开支类别上发生的开支的限定金额。
4.根据上述权利要求中任一项所述的方法，其中，多种所述人寿变动事故包括伤残、染上重病、或死亡。
5.根据上述权利要求中任一项所述的方法，其中，在预定周期内进行所述至少部分补助开支。
6.根据权利要求5所述的方法，其中，所述周期是12个月。
7.根据上述权利要求中任一项所述的方法，其中，通过偿还所述受保人或其指定受益人在所限定的生活开支类别上发生的开支来实现所述至少部分补助。
8.根据权利要求1至7中任一项所述的方法，其中，通过以所述受保人或其指定受益人的名义为在所限定的生活开支类别上发生的开支向第三方付费来实现所述至少部分补助。
9.根据权利要求1至7中任一项所述的方法，其中，通过计算所述受保人在所述人寿变动事故之前的一个时间周期内在多种所述生活开支类别上的花费，接着向所述受保人或其指定受益人支付该金额或该金额的百分比，来实现所述至少部分补助。
10.根据上述权利要求中任一项所述的方法，其中，所述至少部分补助金是通过确定所述受保人在所述人寿变动事故之前的一个时间周期内在多种所述生活开支类别上的所述花费而计算出的可应用的最大金额。
11.根据权利要求10所述的方法，其中，所述时间周期是六个月。
12.根据上述权利要求中任一项所述的方法，其中，所述方法链接到所述被保人的信用卡，从而通过以所述受保人或所述指定受益人的名义来支付花费在所述信用卡上的所述金额的至少一部分而实现所述至少部分补助。
13.根据权利要求12所述的方法，其中，通过检查在所述信用卡上的历史花费来确定在所述生活开支类别中的任一种上的花费的所述金额。
14.一种用于管理保险方案的电子系统，所述系统包括：
生活开支模块，用于限定多种生活开支类别；
人寿变动事故模块，用于限定多种人寿变动事故；以及
计算模块，在所述方案的受保人发生所述人寿变动事故时，计算所述受保人或所述受保人的指定受益人在所述生活开支类别上的开支的至少部分补助金。
15.根据权利要求14所述的系统，其中，所述计算模块计算所述多种生活开支，所述多个生活开支包括由食物、衣物、交通、公用设施、通信、以及住房开支组成的组中的至少一项。
16.根据权利要求14或15所述的系统，其中，所述计算模块计算所述至少部分补助金作为在所限定的生活开支类别上发生的所述开支的预定百分比，或者作为在所限定的生活开支类别上发生的所述开支的限定金额。
17.根据权利要求14至16中任一项所述的系统，其中，由人寿变动事故模块限定的所述多种人寿变动事故包括伤残、染上重病、或死亡。
18.根据权利要求14至17中任一项所述的系统，其中，所述计算模块计算在预定周期内的开支的所述至少部分补助。
19.根据权利要求18所述的系统，其中，所述周期是12个月。
20.根据权利要求14至19中任一项所述的系统还包括：支付模块，用于实现所述至少部分补助金的支付。
21.根据权利要求20所述的系统，其中，所述支付模块通过偿还所述受保人或其指定受益人在所限定的生活开支类别上的开支来实现所述支付。
22.根据权利要求20或21所述的系统，其中，通过所述支付模块以所述受保人或其指定受益人的名义为在所限定的生活开支类别上的开支向第三方付费来实现所述至少部分补助。
23.根据权利要求20至22中任一项所述的系统，其中，通过所述计算模块计算所述受保人在所述人寿变动事故之前的一个时间周期内在多种所述生活开支类别上的花费，接着向所述受保人或其指定受益人支付该金额或该金额的百分比，来实现所述至少部分补助。
24.根据权利要求20至23中任一项所述的系统，其中，所述至少部分补助金是通过所述计算模块确定所述受保人在所述人寿变动事故之前的一个时间周期内在多种所述生活开支类别上的花费而计算出的可应用的最大金额。
25.根据权利要求24所述的系统，其中，所述时间周期是六个月。
26.根据权利要求20至25中任一项所述的系统，其中，所述方法链接到所述被保人的信用卡，从而通过所述支付模块以所述受保人或所述指定受益人的名义来支付花费在所述信用卡上的金额的至少一部分来实现所述至少部分补助。
27.根据权利要求26所述的系统，其中，通过检查在所述信用卡上的历史花费来由所述计算模块确定在所述生活开支类别中的任意一种上的花费的所述金额。
28.一种包括指令的机器可读介质，当由所述机器执行时，所述指令使所述机器执行包括以下步骤的方法：
限定多种生活开支类别；
限定多种人寿变动事故；
在所述方案的受保人发生所述人寿变动事故时，为所述受保人或所述受保人的指定受益人至少部分补助在所述生活开支类别上的开支。
CNA2007800213415A 2006-06-07 2007-05-23 管理保险方案的系统和方法 Pending CN101506832A (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200604674 2006-06-07
ZA2006/04674 2006-06-07

Publications (1)

Publication Number Publication Date
CN101506832A true CN101506832A (zh) 2009-08-12

Family

ID=38801878

Family Applications (1)

Application Number Title Priority Date Filing Date
CNA2007800213415A Pending CN101506832A (zh) 2006-06-07 2007-05-23 管理保险方案的系统和方法

Country Status (6)

Country Link
US (1) US8768732B2 (zh)
CN (1) CN101506832A (zh)
AU (1) AU2007257545A1 (zh)
IL (1) IL195736A0 (zh)
WO (1) WO2007141695A2 (zh)
ZA (1) ZA200810466B (zh)

Families Citing this family (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8131570B2 (en) 1998-03-10 2012-03-06 Discovery Holdings Limited Managing the business of a medical insurance plan
US8359208B2 (en) 1999-03-09 2013-01-22 Discover Holdings Limited Wellness program management and integration with payroll vendor systems
WO2002013438A2 (en) * 2000-08-07 2002-02-14 Discovery Life (Pty) Ltd. Managing a life insurance investment
GB2369778A (en) 2000-09-06 2002-06-12 Discovery Health Ltd Incentivising compliance in members of a disease management programme
US7908156B2 (en) * 2002-09-20 2011-03-15 Discovery Holdings Limited Method of calculating a premium payable by an insured person on a life insurance policy
US8380620B2 (en) * 2004-06-25 2013-02-19 Bank Of America Corporation Income curtailment protection
US8229843B2 (en) * 2004-06-25 2012-07-24 Bank Of America Corporation Method and system for debt protection or cancellation
US8577792B2 (en) * 2004-06-25 2013-11-05 Bank Of America Corporation Foreclosure prevention and protection
WO2006013425A2 (en) 2004-07-26 2006-02-09 Discovery Holdings Limited A data processing system for accurately calculating a policyholder's discount in a medical insurance plan and a method therefor
CN101952842A (zh) * 2006-03-07 2011-01-19 发现控股有限公司 在组织内部管理旷工的系统和方法
AU2007257545A1 (en) 2006-06-07 2007-12-13 Discovery Holdings Limited A system and method of managing an insurance scheme
CN101553839A (zh) * 2006-06-07 2009-10-07 发现控股有限公司 管理人寿保险计划的方法及系统
AU2007298514A1 (en) * 2006-09-18 2008-03-27 Discovery Holdings Limited A method of managing the wellness of an organisation and a system therefor
CN102057391A (zh) 2008-06-03 2011-05-11 发现控股有限公司 管理保险方案的系统和方法
WO2009147592A1 (en) * 2008-06-03 2009-12-10 Discovery Holdings Limited A system and method of managing an insurance scheme
WO2009147594A1 (en) 2008-06-03 2009-12-10 Discovery Holdings Limited A system and method of managing an insurance scheme
ZA201001743B (en) 2009-03-11 2010-12-29 Discovery Holdings Ltd Method of and system for operating an insurance scheme to insure a performance bonus of a person
SG181076A1 (en) * 2009-10-26 2012-07-30 Discovery Life Ltd A system and method of managing an insurance scheme
US20130085787A1 (en) * 2010-04-14 2013-04-04 Discovery Holdings Limited Method of managing an insurance scheme and a system therefor
US20120095785A1 (en) * 2010-04-15 2012-04-19 Discovery Holdings Limited Method of managing an insurance scheme and asystem therefor
US8280813B2 (en) 2010-09-21 2012-10-02 Associated Banc-Corp. System and method for providing debt protection for financial overdraft account
WO2014097009A1 (en) 2012-12-21 2014-06-26 ABRAMSON, Lance A method of determining the attendance of an individual at a location and a system therefor
EP2778127A1 (en) * 2013-03-15 2014-09-17 Clariant International Ltd. Lithium transition metal phosphate secondary agglomerates and process for its manufacture
EP2778126A1 (en) * 2013-03-15 2014-09-17 Clariant International Ltd. Lithium transition metal phosphate secondary agglomerates and process for its manufacture
US20220358597A1 (en) * 2021-05-04 2022-11-10 SoleSafe LLC Specialized insurance for footwear

Family Cites Families (244)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3980960A (en) * 1975-10-09 1976-09-14 Computer Identics Corporation Signal width and width ratio determining apparatus
US4556216A (en) 1983-08-15 1985-12-03 Pitkanen Alan R Computer directed exercising apparatus
US4699375A (en) 1984-12-06 1987-10-13 Paul Appelbaum System for skip rope exercising
US4831242A (en) 1985-09-12 1989-05-16 Bally Manufacturing Corporation Control system for health club facilities and equipment
US4831526A (en) 1986-04-22 1989-05-16 The Chubb Corporation Computerized insurance premium quote request and policy issuance system
US4860275A (en) 1986-08-09 1989-08-22 Kyodo Printing Co., Ltd. Optical recording card and method of reading the same
US4837693A (en) 1987-02-27 1989-06-06 Schotz Barry R Method and apparatus for facilitating operation of an insurance plan
US4975840A (en) 1988-06-17 1990-12-04 Lincoln National Risk Management, Inc. Method and apparatus for evaluating a potentially insurable risk
US5062645A (en) 1990-11-05 1991-11-05 Meri Goodman Fitness and nutrition game apparatus and method of play
US5324077A (en) 1990-12-07 1994-06-28 Kessler Woodrow B Medical data draft for tracking and evaluating medical treatment
US5490260A (en) 1990-12-14 1996-02-06 Ceram, Inc. Solid-state RAM data storage for virtual memory computer using fixed-sized swap pages with selective compressed/uncompressed data store according to each data size
US5301105A (en) 1991-04-08 1994-04-05 Desmond D. Cummings All care health management system
US5574803A (en) 1991-08-02 1996-11-12 Eastman Kodak Company Character thinning using emergent behavior of populations of competitive locally independent processes
US5136502A (en) 1991-10-02 1992-08-04 Fred Van Remortel System for funding, analyzing and managing health care liabilities
US5297026A (en) 1992-01-03 1994-03-22 Frank Hoffman System for promoting account activity
US5521815A (en) 1992-01-31 1996-05-28 K.L.E. Irrevocable Trust Uniform system for verifying and tracking articles of value
US5631828A (en) 1992-07-10 1997-05-20 Hagan; Bernard P. Method and system for processing federally insured annuity and life insurance investments
US5655085A (en) 1992-08-17 1997-08-05 The Ryan Evalulife Systems, Inc. Computer system for automated comparing of universal life insurance policies based on selectable criteria
US20030212579A1 (en) 2002-05-08 2003-11-13 Brown Stephen J. Remote health management system
US5429506A (en) 1993-04-05 1995-07-04 Westport Management Services, Inc. Method of computerized administration of a life insurance plan using computerized administration supervisory system
AU7092294A (en) 1993-04-30 1994-11-21 Arnold J Goldman Personalized method and system for storage, communication, analysis and processing of health-related data
US7319970B1 (en) 1993-05-20 2008-01-15 Simone Charles B Method and apparatus for lifestyle risk evaluation and insurability determination
US5377258A (en) 1993-08-30 1994-12-27 National Medical Research Council Method and apparatus for an automated and interactive behavioral guidance system
US5692501A (en) 1993-09-20 1997-12-02 Minturn; Paul Scientific wellness personal/clinical/laboratory assessments, profile and health risk managment system with insurability rankings on cross-correlated 10-point optical health/fitness/wellness scales
US5550734A (en) 1993-12-23 1996-08-27 The Pharmacy Fund, Inc. Computerized healthcare accounts receivable purchasing collections securitization and management system
US6108641A (en) 1994-01-03 2000-08-22 Merrill Lynch, Pierce, Fenner & Smith Integrated nested account financial system with medical savings subaccount
US6049772A (en) 1994-01-21 2000-04-11 Fdi/Genesis System for managing hedged investments for life insurance companies
CA2125300C (en) 1994-05-11 1999-10-12 Douglas J. Ballantyne Method and apparatus for the electronic distribution of medical information and patient services
US5704366A (en) 1994-05-23 1998-01-06 Enact Health Management Systems System for monitoring and reporting medical measurements
US5655997A (en) 1994-07-07 1997-08-12 Integrated Fitness Corporation Fitness feedback system for weight stack machines
US5630073A (en) * 1994-07-25 1997-05-13 Nolan; Jon D. Personal account tracking system
US5752236A (en) 1994-09-02 1998-05-12 Sexton; Frank M. Life insurance method, and system
US5933815A (en) 1995-05-01 1999-08-03 The Equitable Life Assurance Society Of The United States Computerized method and system for providing guaranteed lifetime income with liquidity
US5774883A (en) 1995-05-25 1998-06-30 Andersen; Lloyd R. Method for selecting a seller's most profitable financing program
GB9519678D0 (en) 1995-09-27 1995-11-29 Philips Electronics Nv Behaviour prediction
US8092224B2 (en) 1995-11-22 2012-01-10 James A. Jorasch Systems and methods for improved health care compliance
US5745893A (en) 1995-11-30 1998-04-28 Electronic Data Systems Corporation Process and system for arrangement of documents
US6088686A (en) 1995-12-12 2000-07-11 Citibank, N.A. System and method to performing on-line credit reviews and approvals
US5797134A (en) 1996-01-29 1998-08-18 Progressive Casualty Insurance Company Motor vehicle monitoring system for determining a cost of insurance
US5933809A (en) 1996-02-29 1999-08-03 Medcom Solutions, Inc. Computer software for processing medical billing record information
US5987434A (en) 1996-06-10 1999-11-16 Libman; Richard Marc Apparatus and method for transacting marketing and sales of financial products
US5884283A (en) * 1996-09-05 1999-03-16 Manos; Christopher T. System, method and program product for managing and controlling the disposition of financial resources
US6039688A (en) 1996-11-01 2000-03-21 Salus Media Inc. Therapeutic behavior modification program, compliance monitoring and feedback system
US6151586A (en) 1996-12-23 2000-11-21 Health Hero Network, Inc. Computerized reward system for encouraging participation in a health management program
US5956691A (en) 1997-01-07 1999-09-21 Second Opinion Financial Systems, Inc. Dynamic policy illustration system
US5937387A (en) 1997-04-04 1999-08-10 Real Age, Inc. System and method for developing and selecting a customized wellness plan
US5890129A (en) 1997-05-30 1999-03-30 Spurgeon; Loren J. System for exchanging health care insurance information
US5949044A (en) 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
US6085976A (en) 1998-05-22 2000-07-11 Sehr; Richard P. Travel system and methods utilizing multi-application passenger cards
US6587829B1 (en) 1997-07-31 2003-07-01 Schering Corporation Method and apparatus for improving patient compliance with prescriptions
US6085174A (en) 1997-09-23 2000-07-04 Edelman; Ric Computer assisted and/or implemented process and architecture for administering an investment and/or retirement program
US5991744A (en) 1997-10-31 1999-11-23 Gary P. Dicresce & Associates Method and apparatus that processes financial data relating to wealth accumulation plans
US6021397A (en) 1997-12-02 2000-02-01 Financial Engines, Inc. Financial advisory system
US6112986A (en) 1997-12-08 2000-09-05 Berger; Richard S. Method and apparatus for accessing patient insurance information
US6230142B1 (en) 1997-12-24 2001-05-08 Homeopt, Llc Health care data manipulation and analysis system
US20090150192A1 (en) 1998-03-10 2009-06-11 Discovery Holdings Limited Method and system for calculating the premiums and benefits of life insurance and related risk products based on participation in a wellness program
US8131570B2 (en) 1998-03-10 2012-03-06 Discovery Holdings Limited Managing the business of a medical insurance plan
US6741968B2 (en) 1998-04-24 2004-05-25 Fuel Partners, L.P. Method for processing information through a clearinghouse
US6338042B1 (en) 1998-07-10 2002-01-08 Siemens Information And Communication Networks, Inc. Method and apparatus for integrating competency measures in compensation decisions
US6163770A (en) 1998-08-25 2000-12-19 Financial Growth Resources, Inc. Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured
US7376608B1 (en) 1998-09-25 2008-05-20 Lincoln National Life Insurance Company Method and system for providing retirement income benefits
US6602469B1 (en) 1998-11-09 2003-08-05 Lifestream Technologies, Inc. Health monitoring and diagnostic device and network-based health assessment and medical records maintenance system
US6385589B1 (en) 1998-12-30 2002-05-07 Pharmacia Corporation System for monitoring and managing the health care of a patient population
US8359208B2 (en) 1999-03-09 2013-01-22 Discover Holdings Limited Wellness program management and integration with payroll vendor systems
US6618789B1 (en) 1999-04-07 2003-09-09 Sony Corporation Security memory card compatible with secure and non-secure data processing systems
US20050033604A1 (en) 1999-07-13 2005-02-10 Mitan Technologies, Llc Method and apparatus for settling claims between health care providers and third party payers
US6386444B1 (en) 1999-07-30 2002-05-14 First Usa Bank, N.A. System and methods for card payment instrument with rebate applied to an insurance premium
US6965868B1 (en) 1999-08-03 2005-11-15 Michael David Bednarek System and method for promoting commerce, including sales agent assisted commerce, in a networked economy
US20010053984A1 (en) 1999-12-09 2001-12-20 Joyce Karla Ann System, method, and process for analysis of patient treatment protocols
AU2736201A (en) 1999-12-23 2001-07-03 Flashunderwriting.Com A method and system for the life insurance industry
AU2913701A (en) 1999-12-30 2001-07-16 Choicelinx Corporation System and method for facilitating selection of benefits
US20020010601A1 (en) * 2000-01-03 2002-01-24 Don Taylor Method and apparatus for insuring multiple unit dwellings
US6611815B1 (en) 2000-01-03 2003-08-26 Lincoln National Life Insurance Co. Method and system for providing account values in an annuity with life contingencies
US20060143056A1 (en) 2004-12-27 2006-06-29 Renters Legal Liability, Llc A Limited Liability Company Of The State Of Utah Method and apparatus for insuring multiple unit dwellings
US6513532B2 (en) 2000-01-19 2003-02-04 Healthetech, Inc. Diet and activity-monitoring device
JP2004502988A (ja) 2000-02-10 2004-01-29 シャーマン，　ローレンス　エム． 複数人同時死亡保障付き保険のためのシステムおよび方法
US20020002495A1 (en) 2000-05-19 2002-01-03 Npax, Inc. Integrated pharmaceutical accounts management system and method
US20020042763A1 (en) 2000-06-16 2002-04-11 Ranjini Pillay Apparatus and method for providing trade credit information and/or trade credit insurance information
US20020016923A1 (en) 2000-07-03 2002-02-07 Knaus William A. Broadband computer-based networked systems for control and management of medical records
US20020038310A1 (en) 2000-07-17 2002-03-28 Reitberg Donald P. Single-patient drug trials used with accumulated database: genomic markers
AU2001277947A1 (en) 2000-07-21 2002-02-05 Surromed, Inc. Computerized clinical questionnaire with dynamically presented questions
US7664700B1 (en) 2000-07-25 2010-02-16 The Guardian Life Insurance Company Of America System for and method of individual annuity payout administration
WO2002013438A2 (en) 2000-08-07 2002-02-14 Discovery Life (Pty) Ltd. Managing a life insurance investment
US20020152097A1 (en) 2000-09-01 2002-10-17 Javors Jonathan R. Method of administration and health management
GB2369778A (en) 2000-09-06 2002-06-12 Discovery Health Ltd Incentivising compliance in members of a disease management programme
US7383223B1 (en) 2000-09-20 2008-06-03 Cashedge, Inc. Method and apparatus for managing multiple accounts
US20010037214A1 (en) 2000-11-06 2001-11-01 Raskin Richard S. Method and system for controlling an employer's health care costs while enhancing an employee's health care benefits
US20020120474A1 (en) 2000-11-06 2002-08-29 Hele John C.R. Automated insurance policy application
US20020087364A1 (en) 2000-11-07 2002-07-04 Lerner Andrew S. System and method for enabling real time underwriting of insurance policies
US20020116266A1 (en) 2001-01-12 2002-08-22 Thaddeus Marshall Method and system for tracking and providing incentives for time and attention of persons and for timing of performance of tasks
US20030233278A1 (en) 2000-11-27 2003-12-18 Marshall T. Thaddeus Method and system for tracking and providing incentives for tasks and activities and other behavioral influences related to money, individuals, technology and other assets
US20020013717A1 (en) 2000-12-28 2002-01-31 Masahiro Ando Exercise body monitor with functions to verify individual policy holder and wear of the same, and a business model for a discounted insurance premium for policy holder wearing the same
WO2002079919A2 (en) 2001-01-05 2002-10-10 Dixon, Delores, A. System and method for asset accumulation and risk management
US20020103678A1 (en) 2001-02-01 2002-08-01 Burkhalter Swinton B. Multi-risk insurance system and method
WO2002067096A2 (en) 2001-02-20 2002-08-29 American Skandia Life Assurance Corporation System, method and program for providing stabilized annuity payments and control of investments in a variable annuity
US7398217B2 (en) 2001-03-19 2008-07-08 The Jasos Group, Llc Methods and systems for healthcare practice management
US7493266B2 (en) 2001-03-21 2009-02-17 Gupta Amit K System and method for management of health care services
US7246068B2 (en) 2001-03-23 2007-07-17 Thomas Jr James C Computerized system for combining insurance company and credit card transactions
JP2002358425A (ja) 2001-03-27 2002-12-13 Hitachi Ltd 自動車保険の内容設定システム、自動車保険の料金設定システム、及び自動車保険の料金徴収システム
US6980960B2 (en) 2001-03-28 2005-12-27 Goldman Sachs & Co. System and method for providing a fuel purchase incentive
US20030033154A1 (en) 2001-05-11 2003-02-13 Hajdukiewicz Richard Stanley System and method for providing a fuel purchase incentive with the sale of a vehicle
WO2002084450A2 (en) 2001-04-13 2002-10-24 Robert Arena System, method and product for managing the after tax death benefit of an investment
US20050038681A1 (en) 2001-07-12 2005-02-17 Terry Covert Method, apparatus and system for pricing and selling family protector insurance
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
JP2003168002A (ja) 2001-09-18 2003-06-13 Nec Corp 保険契約方法、保険契約システム、携帯端末及び保険契約プログラム
US20030065630A1 (en) 2001-10-02 2003-04-03 International Business Machines Corporation Adjusting an amount owed for fueling based on vehicle characteristics
US8078492B2 (en) 2001-10-02 2011-12-13 International Business Machines Corporation Providing consumers with incentives for healthy eating habits
DE10247459A1 (de) 2001-10-31 2003-07-03 Caterpillar Inc Verfahren und System zur Analyse von Gesundheitsinformationen
US7624037B2 (en) 2001-10-31 2009-11-24 Ncqa Economic model for measuring the cost and value of a particular health insurance plan
US20030120570A1 (en) 2001-11-14 2003-06-26 Dellinger Jeffrey K. System and method for administering death benefits
US7158950B2 (en) 2002-02-05 2007-01-02 Keith A. Snyder Process for creating a financial plan for funding of college education
US7685007B1 (en) 2002-02-11 2010-03-23 Jacobson Neil L Method for linking insurance policies
US7774256B1 (en) 2002-02-28 2010-08-10 Wendy J. Engel System and method to minimize accounting volatility from owning equities and other investment assets
US20030194071A1 (en) * 2002-04-15 2003-10-16 Artoun Ramian Information communication apparatus and method
US20030200101A1 (en) 2002-04-18 2003-10-23 Adler Siegfried C. System and method for automating human resources programs
US20030200142A1 (en) 2002-04-23 2003-10-23 Heather Hicks On-line employee incentive system
US20030208385A1 (en) 2002-05-03 2003-11-06 Ing North America Insurance Corporation System and method for underwriting insurance
US20040039608A1 (en) 2002-06-21 2004-02-26 Lulac, Llc Health benefit system and methodology
US7797175B2 (en) 2003-02-05 2010-09-14 Luedtke Timothy J Financial arrangement to support implementation of a retirement medical program or to protect a users future medical needs
KR20040017465A (ko) 2002-08-21 2004-02-27 주식회사 텔사인 스마트카드를 이용한 자동차 보험료 산정 방법 및 시스템
US7908156B2 (en) 2002-09-20 2011-03-15 Discovery Holdings Limited Method of calculating a premium payable by an insured person on a life insurance policy
AU2002952193A0 (en) 2002-10-22 2002-11-07 Surecan Technology Pty Ltd A method for providing online insurance
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US20040098279A1 (en) 2002-11-20 2004-05-20 Frazier John B. System of home certification and warranty
US7571140B2 (en) 2002-12-16 2009-08-04 First Data Corporation Payment management
US20040267570A1 (en) 2003-04-23 2004-12-30 Becker Robert E. Method for information and management system for health care
US7624059B1 (en) 2003-05-01 2009-11-24 Gemstone Technologies, LLC Method for improving the performance and performance characteristics of a managed investment
US7925519B2 (en) 2003-05-20 2011-04-12 Medencentive, Llc Method and system for delivery of healthcare services
US20050071205A1 (en) 2003-06-04 2005-03-31 Settlement Funding Inc. Mortality linked bond obligation
US20040267579A1 (en) 2003-06-30 2004-12-30 Markman Barry S. Method, apparatus and system for providing insurance coverage and claims payment for single event surgical and diagnostic procedures
CA2434707A1 (en) 2003-07-07 2004-03-18 Sean D. Hannigan Method and apparatus for generating data to support fuel tax rebates
US20050010453A1 (en) 2003-07-10 2005-01-13 Terlizzi James D. Method and system for inverse life annuity
US20050038679A1 (en) 2003-07-11 2005-02-17 Short Douglas J. Method of promoting employee wellness and health insurance strategy for same
US20060129436A1 (en) 2003-07-11 2006-06-15 Short Douglas J Method of reducing employer health related costs while promoting employee wellness and health benefit plan strategy for same
US20050060209A1 (en) 2003-07-22 2005-03-17 Hill Charles Frederick Method and system for insuring longer than expected lifetime
US20050033609A1 (en) 2003-08-05 2005-02-10 Yonghong Yang Healthcare system integrated with a healthcare transaction processor, and method for providing healthcare transaction processing services
US7711584B2 (en) 2003-09-04 2010-05-04 Hartford Fire Insurance Company System for reducing the risk associated with an insured building structure through the incorporation of selected technologies
US20050102172A1 (en) 2003-10-31 2005-05-12 Sirmans James R.Jr. System and method for evaluating insurance member activity and pricing insurance products
US8484050B2 (en) 2003-11-06 2013-07-09 Swiss Reinsurance Company Ltd. System and method for evaluating underwriting requirements
US7380707B1 (en) 2004-02-25 2008-06-03 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US7693728B2 (en) 2004-03-31 2010-04-06 Aetna Inc. System and method for administering health care cost reduction
ZA200502648B (en) 2004-04-01 2005-12-28 Discovery Life Ltd A method of managing a life insurance policy and system therefor
US20050222878A1 (en) 2004-04-06 2005-10-06 Rabson Kenneth S Method of managing the business of a medical scheme
US7624032B2 (en) 2004-04-06 2009-11-24 Discovery Life Limited Method of managing the business of a medical scheme
US20050228692A1 (en) 2004-04-08 2005-10-13 Hodgdon Darren W Incentive based health care insurance program
US20050234742A1 (en) 2004-04-08 2005-10-20 Hodgdon Darren W Incentive based health care insurance program
ZA200501719B (en) 2004-04-16 2006-11-29 Discovery Life Ltd Methods of managing a life insurance policy with a related medical scheme
US8170911B1 (en) 2004-05-11 2012-05-01 Visa U.S.A. Inc. Incentive program awarding points per-mile-driven
US20060064320A1 (en) 2004-06-02 2006-03-23 Richard Postrel System and method for centralized management and monitoring of healthcare services
US20050288971A1 (en) 2004-06-11 2005-12-29 Frank Cassandra Critical illness insurance product and system for administering same
WO2006013425A2 (en) 2004-07-26 2006-02-09 Discovery Holdings Limited A data processing system for accurately calculating a policyholder's discount in a medical insurance plan and a method therefor
US20060074801A1 (en) 2004-08-06 2006-04-06 Alan Pollard Method of effecting a payment to a service provider on behalf of a member of a medical scheme and a system therefor
US20060041455A1 (en) 2004-08-13 2006-02-23 Dehais Robert E Systems and methods for providing an enhanced option rider to an insurance policy
US20080172214A1 (en) 2004-08-26 2008-07-17 Strategic Health Decisions, Inc. System For Optimizing Treatment Strategies Using a Patient-Specific Rating System
US20060053038A1 (en) 2004-09-08 2006-03-09 Warren Gregory S Calculation of driver score based on vehicle operation
US20060089892A1 (en) 2004-10-27 2006-04-27 Sullivan Peter A Methods and apparatus for investment portfolio selection, allocation, and management to generate sustainable withdrawals
US20060116903A1 (en) 2004-11-30 2006-06-01 Assurant Solutions Systems and methods for providing insurance coverage to a customer
US20060143055A1 (en) * 2004-12-23 2006-06-29 Loy Philip R Method for increasing liquid assets available to at least partially fund living expenses at an assisted living facility
US20080189141A1 (en) 2005-01-07 2008-08-07 Adrian Gore Method of Managing the Business of a Health Insurance Plan and a System Therefor
US20060218023A1 (en) 2005-03-25 2006-09-28 Conrad Gerald L Single premium term life insurance
US20060287893A1 (en) 2005-06-17 2006-12-21 Weiss Sanford B Tax factored method of purchasing life settlement policies
US7742942B2 (en) 2005-06-22 2010-06-22 Excentus Corporation System and method for discounting fuel
EP1899881A4 (en) 2005-06-30 2011-01-26 Humana Inc SYSTEM AND METHOD FOR EVALUATING THE HEALTH CONDITION OF AN INDIVIDUAL AND FOR PROVIDING BEHAVIORAL ADVICE FOR IMPROVING HEALTH AND PROMOTING ACCESSION TO THIS COUNCIL
US20070055601A1 (en) 2005-08-24 2007-03-08 Inderski Luanne M Methods for enrolling participants in benefit plans
US20070050217A1 (en) 2005-08-26 2007-03-01 Holden Ellsworth J Jr Method for forming a multi-peril insurance policy
US7711619B2 (en) * 2005-09-15 2010-05-04 Integrated Finance Limited Graphical user interface for retirement income planning
US20080005016A1 (en) 2005-09-20 2008-01-03 Uhlmann Charles E Methods and media for presenting costs associated with rate protection on a mortgage
US20070136093A1 (en) 2005-10-11 2007-06-14 Rankin Innovations, Inc. Methods, systems, and programs for health and wellness management
US20070088488A1 (en) 2005-10-14 2007-04-19 Reeves Michael J Vehicle safety system
US8234129B2 (en) 2005-10-18 2012-07-31 Wellstat Vaccines, Llc Systems and methods for obtaining, storing, processing and utilizing immunologic and other information of individuals and populations
US7797174B2 (en) 2005-10-21 2010-09-14 Samuels Property Group LLC Life insurance option
US20070094125A1 (en) 2005-10-24 2007-04-26 Roman Izyayev Mortgage management system and method
KR100739963B1 (ko) * 2005-11-23 2007-07-16 주식회사 하이닉스반도체 플래쉬 메모리 소자의 제조방법
US8185463B1 (en) 2006-01-27 2012-05-22 The Guardian Life Insurance Company Of America Interactive systems and methods for insurance-related activities
US8010388B2 (en) 2006-03-02 2011-08-30 Hartford Fire Insurance Company Longevity insurance
CN101952842A (zh) 2006-03-07 2011-01-19 发现控股有限公司 在组织内部管理旷工的系统和方法
GB0605069D0 (en) 2006-03-14 2006-04-26 Airmax Group Plc Method and system for driver style monitoring and analysing
WO2007127427A2 (en) 2006-04-27 2007-11-08 Sun Life Assurance Company Of Canada (U.S.) Investment product, methods and system for administration thereof
WO2007141696A2 (en) 2006-06-06 2007-12-13 Discovery Holdings Limited A system and method of managing an insurance scheme
US20090259497A1 (en) 2006-06-06 2009-10-15 Adrian Gore Method of managing an insurance plan and a system therefor
CN101553839A (zh) 2006-06-07 2009-10-07 发现控股有限公司 管理人寿保险计划的方法及系统
AU2007257545A1 (en) 2006-06-07 2007-12-13 Discovery Holdings Limited A system and method of managing an insurance scheme
US20080262877A1 (en) 2006-07-03 2008-10-23 Dwayne Paul Hargroder Interactive credential system and method
US20080046382A1 (en) 2006-07-08 2008-02-21 International Business Machines Corporation Personal price indexing based upon personal spending habits
US20080071600A1 (en) 2006-08-21 2008-03-20 Johnson Kenneth N Systems and methods for automating business services
US10115112B2 (en) 2006-08-31 2018-10-30 Visa U.S.A. Inc. Transaction evaluation for providing rewards
US7698201B2 (en) 2006-09-14 2010-04-13 The Prudential Insurance Company Of America Financial instrument utilizing an optional benefit election
AU2007298514A1 (en) 2006-09-18 2008-03-27 Discovery Holdings Limited A method of managing the wellness of an organisation and a system therefor
US20080154650A1 (en) 2006-09-22 2008-06-26 Shaun Matisonn Method of managing the business of a health insurance plan and a system therefor
AU2007301521A1 (en) 2006-09-26 2008-04-03 Discovery Holdings Limited A system and method for rewarding employees of an organisation
US20080082372A1 (en) 2006-09-29 2008-04-03 Burch Leon A Driving simulator and method of evaluation of driver competency
AU2007308078A1 (en) 2006-10-13 2008-04-17 PeraHealth, Inc System and method for providing a health score for a patient
US7958035B2 (en) 2006-12-14 2011-06-07 Hartford Fire Insurance Company Accelerated benefit insurance product management and distribution system and method
US20110040579A1 (en) 2006-12-20 2011-02-17 Safeco Insurance Company Of America Web-based systems and methods for providing services related to automobile safety and an insurance product
US20100153296A1 (en) 2007-02-05 2010-06-17 Volpert Kenneth E Method of administering an investment fund providing a targeted payout schedule
WO2008100363A1 (en) 2007-02-09 2008-08-21 Waves Licensing Llc Prepaid gasoline transaction platform
US7828205B2 (en) 2007-02-20 2010-11-09 Aetna Inc. Method of promoting health and wellness through card based rewards program
US20080208769A1 (en) 2007-02-26 2008-08-28 Beer Andrew D Creation and maintenance of a liquid "alternative beta" investment fund
US20080243558A1 (en) 2007-03-27 2008-10-02 Ash Gupte System and method for monitoring driving behavior with feedback
US8180656B2 (en) 2007-04-09 2012-05-15 Hartford Fire Insurance Company Hybrid life insurance product with an improved total return
US20080312969A1 (en) 2007-04-20 2008-12-18 Richard Raines System and method for insurance underwriting and rating
US8412613B2 (en) 2007-04-23 2013-04-02 Bank Of America Corporation Method of hedging retail transactions for fuel
US8010391B2 (en) 2007-06-29 2011-08-30 Computer Sciences Corporation Claims processing hierarchy for insured
US20090037230A1 (en) 2007-07-11 2009-02-05 Tracy Thomas J System for Electronic Application of Discounts to Insurance Policies
US8577703B2 (en) 2007-07-17 2013-11-05 Inthinc Technology Solutions, Inc. System and method for categorizing driving behavior using driver mentoring and/or monitoring equipment to determine an underwriting risk
US20090030736A1 (en) 2007-07-24 2009-01-29 Hartford Fire Insurance Company Method and system for a facility care benefit in an annuity providing lifetime benefit payments
US7885834B2 (en) 2007-07-24 2011-02-08 Hartford Fire Insurance Company Method and system for a deferred variable annuity with flexible lifetime benefit payments
CA2697925A1 (en) 2007-09-05 2009-03-12 Young Hwang System and method for fuel price-protection
US8655717B2 (en) 2007-09-18 2014-02-18 Humana Innovations Enterprises, Inc. System and method for rewarding users for changes in health behaviors
US8103528B2 (en) 2007-11-20 2012-01-24 Hartford Fire Insurance Company System and method for administering dynamic security benefits and payments
US20090164256A1 (en) 2007-12-20 2009-06-25 International Business Machines Device, system, and method of collaborative insurance
US20090204446A1 (en) 2008-02-05 2009-08-13 David Bruce Simon Systems and methods for valuation of life insurance policies
US20090204444A1 (en) 2008-02-08 2009-08-13 Honeywell International Inc. Method and system for mitigating risk in issuing wind only insurance
US9665910B2 (en) 2008-02-20 2017-05-30 Hartford Fire Insurance Company System and method for providing customized safety feedback
WO2009108037A1 (en) 2008-02-27 2009-09-03 Epetrol Innovation Sdn Bhd Method and system for dynamically customizing a transaction of subsidized goods using an identity medium
US20090265183A1 (en) 2008-04-22 2009-10-22 Alan Pollard Method of managing a wellness programme and a system therefor
US7630937B1 (en) 2008-04-30 2009-12-08 Intuit Inc. Method and system for processing a financial transaction
US20090299844A1 (en) 2008-05-29 2009-12-03 Kroger Personal Finance Prepaid reloadable electronic transaction cards with loyalty program
CN102057391A (zh) 2008-06-03 2011-05-11 发现控股有限公司 管理保险方案的系统和方法
WO2009147594A1 (en) 2008-06-03 2009-12-10 Discovery Holdings Limited A system and method of managing an insurance scheme
WO2009147592A1 (en) 2008-06-03 2009-12-10 Discovery Holdings Limited A system and method of managing an insurance scheme
CN102057389A (zh) 2008-06-03 2011-05-11 发现控股有限公司 用于管理保险方案的系统及方法
WO2009147572A1 (en) 2008-06-03 2009-12-10 Discovery Holdings Limited A system and method of managing an insurance scheme
US20100088112A1 (en) 2008-10-03 2010-04-08 Katen & Associates, Llc Life insurance funded heroic medical efforts trust feature
US20110060635A1 (en) 2008-10-31 2011-03-10 Discovery Holdings, Ltd. System and method for motivating healthy eating and a wellness plan related thereto
US8151916B2 (en) 2009-01-26 2012-04-10 Ford Global Technologies, Llc Energy management system and method for hybrid electric vehicles
US8175952B2 (en) 2009-03-05 2012-05-08 The Prudential Insurance Company Of America System and method for managing a group insurance policy
ZA201001743B (en) 2009-03-11 2010-12-29 Discovery Holdings Ltd Method of and system for operating an insurance scheme to insure a performance bonus of a person
WO2011011544A1 (en) 2009-07-21 2011-01-27 Scott Ferrill Tibbitts Method and system for controlling a mobile communication device in a moving vehicle
US8571731B2 (en) 2009-07-29 2013-10-29 Searete Llc Hybrid vehicle qualification for preferential result
US8352107B2 (en) 2009-07-29 2013-01-08 The Invention Science Fund I, Llc Vehicle system for varied compliance benefits
SG181076A1 (en) 2009-10-26 2012-07-30 Discovery Life Ltd A system and method of managing an insurance scheme
US8185449B2 (en) 2009-11-25 2012-05-22 The Royal Bank Of Scotland Plc System and method of providing fuel
AU2009245855A1 (en) 2009-12-08 2011-06-23 The Royal Bank Of Scotland Plc Investment System and Method
US20130085787A1 (en) 2010-04-14 2013-04-04 Discovery Holdings Limited Method of managing an insurance scheme and a system therefor
WO2011130585A2 (en) 2010-04-16 2011-10-20 Tiny Towne International, Llc System and method for driver training in a controlled driving environment
US20120089442A1 (en) 2010-10-12 2012-04-12 SweMex LLC Driving while distracted accountability and rewards systems and methods
US20120130727A1 (en) 2010-11-24 2012-05-24 CommutePays LLC Commuter reward systems and methods
ZA201104842B (en) 2010-12-21 2012-02-29 Discovery Life Ltd System for managing retirement income and a method thereof
US10217160B2 (en) 2012-04-22 2019-02-26 Emerging Automotive, Llc Methods and systems for processing charge availability and route paths for obtaining charge for electric vehicles
US10535101B2 (en) 2011-06-27 2020-01-14 The Prudential Insurance Company Of America System and method for processing data related to last survivor life insurance policies
US20130013344A1 (en) 2011-07-08 2013-01-10 Ernstberger Kelly A Systems and methods for determining optional insurance coverages
US20130311250A1 (en) 2012-05-16 2013-11-21 David W. Hickethier Methods and arrangements for improving driving safety
US8799125B2 (en) 2012-05-24 2014-08-05 Hartford Fire Insurance Company System and method for rendering dynamic insurance quote interface

Also Published As

Publication number Publication date
US8768732B2 (en) 2014-07-01
AU2007257545A1 (en) 2007-12-13
US20100023354A1 (en) 2010-01-28
WO2007141695A2 (en) 2007-12-13
IL195736A0 (en) 2009-09-01
ZA200810466B (en) 2010-02-24
WO2007141695A3 (en) 2009-04-23

Similar Documents

Publication Publication Date Title
CN101506832A (zh) 管理保险方案的系统和方法
AU2008270909B2 (en) Prepaid card fraud and risk management
Iqbal General Takaful Practice: Technical Approach to Eliminate Gharar (uncertainty), Maisir (gambling), and Riba'(usury)
US20070244774A1 (en) Method for encouraging reporting of income/tips by sole proprietors and employees of cash based businesses
Dodaro Opportunities to reduce potential duplication in government programs, save tax dollars, and enhance revenue
HassabElnaby Waiving technical default: The role of agency costs and bank regulations
AG CECONOMY
AN Policies & Procedures
Levitt Evidence Matters: Summer/Fall 2020
SA CONSOLIDATED ANNUAL REPORT 2019
LEVINE ADVISORY: UNEMPLOYMENT INSURANCE PROGRAM LETTER NO. 22-21
CUSTODIAN MAKANA LOCAL MUNICIPALITY CUSTOMER CARE, CREDIT CONTROL AND DEBT COLLECTION POLICY
Johnson Tiffany Johnson
O'Sullivan Medicare: Physician Self-referral (" Stark I and II")
IT201900019700A1 (it) Sistema modulare di gestione amministrativa, particolarmente per il settore finanziario del recupero crediti.
Heim Searching for risk; the search for business risk will take you on an enlightening journey throughout your organization
Byrd et al. List of Congressional Committees
CN114723227A (zh) 一种职工绩效考核方法
Page How to apply
CN113781198A (zh) 企业申贷评估系统
Weil Implementing Tax Credits for Affordable Health Insurance Coverage
Authority annual report and accounts 2008–09
Profile Equatorial Guinea
Von Bergen Using the Fluctuating Workweek Compensation Method to Reduce Overtime Expenses in Public Organizations
Jost Implementing Health Reform: Recent Reports Present Conflicting Pictures Of ACA Implementation (Updated)

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
REG Reference to a national code

Ref country code: HK

Ref legal event code: DE

Ref document number: 1137554

Country of ref document: HK

C02 Deemed withdrawal of patent application after publication (patent law 2001)
WD01 Invention patent application deemed withdrawn after publication

Open date: 20090812

REG Reference to a national code

Ref country code: HK

Ref legal event code: WD

Ref document number: 1137554

Country of ref document: HK