| 6792410 |
Automated claim repricing system |
| Sep-14-2004 |
The present claim repricing system generally includes a processor and a program and data memory coupled to the processor. The memory stores the requisite database tables, as well as program instructions... |
| 6789188 |
Methods and apparatus for secure content distribution |
| Sep-7-2004 |
Methods and apparatus for secure distribution of music and other types of content. The invention allows content to be registered with a centralized trusted registration authority (TRA) in such a way that... |
| 6772128 |
Nuclear decommissioning insurance financial product and method |
| Aug-3-2004 |
An insurance policy and insurance method for providing financial assurance for decommissioning a nuclear power plant using insurance is described. In one embodiment, a financial product, such as a decommissioning... |
| 6755783 |
Apparatus and method for two-way communication in a device for monitoring and communicating wellness parameters of ambulatory patients |
| Jun-29-2004 |
The monitoring device incorporates transducing devices for converting the desired measured parameters into electrical signals capable of being processed by a local computer or microprocessor system. The... |
| 6745128 |
Methods and systems for managing farmland |
| Jun-1-2004 |
Methods and systems for characterizing and managing plots of land is provided. Information related to elevation, soil conductivity, crop yield, and grower history is organized into profiles to generate... |
| 6735573 |
Lease termination method |
| May-11-2004 |
A method for derecognizing the commitment of a lessor in an operating lease having a lease liability including the steps of holding by a lessee an operating lease wherein the operating lease has a future... |
| 6735571 |
Compensation data prediction |
| May-11-2004 |
A method of predicting compensation data includes obtaining compensation data, associated with a job category, with at least one datum being associated with each of a plurality of characteristics associated... |
| 6735569 |
Method and system for providing a user-selected healthcare services package and healthcare services panel customized based on a user's selections |
| May-11-2004 |
A method and system for allowing a user to select a healthcare services package is disclosed where a central server generally receives personal information data from the user over the Internet regarding... |
| 6725220 |
System and method for integrating paper-based business documents with computer-readable data entered via a computer network |
| Apr-20-2004 |
In an Internet-based process, a method of integrating paper-based business documents requiring an original signature with electronic data about those documents, and for later retrieving the data entered... |
| 6725201 |
Apparatus and method for providing insurance products, services and/or coverage for leased entities. |
| Apr-20-2004 |
An apparatus and method for processing lease insurance information, including a memory device for storing information for generating at least one of an insurance premium and an insurance policy for providing... |
| 6723045 |
Apparatus and method for monitoring and communicating wellness parameters of ambulatory patients |
| Apr-20-2004 |
The monitoring device incorporates transducing devices for converting the desired measured parameters into electrical signals capable of being processed by a local computer or microprocessor system. The... |
| 6714914 |
Integrated system for the administration of an insurance company |
| Mar-30-2004 |
An integrated system for the administration of insurance companies is disclosed which includes a personal computer, a network and one or more file servers. The system further includes software for performing... |
| 6684190 |
Apparatus and method for exposing, evaluating and re-balancing risk for decision-making in financial planning |
| Jan-27-2004 |
A dynamic, user-friendly financial and illustration system for evaluating, exposing and re-balancing, to the user's appropriate risk tolerance, the inherent risk in such financial planning areas as retirement,... |
| 6684189 |
Apparatus and method using front-end network gateways and search criteria for efficient quoting at a remote location |
| Jan-27-2004 |
A computer-implemented method using front-end network gateways and search criteria entered at a remote computer terminal to conduct a search of multiple financial products for efficient quoting at a remote... |
| 6676841 |
Water-in-fuel abuse detection |
| Jan-13-2004 |
A water-in-fuel abuse detection system provides a way to determine if a vehicle operator has ignored a conventional water-in-fuel indicator light and continued to operate the vehicle beyond a certain threshold.... |
| 6659947 |
Wireless LAN architecture for integrated time-critical and non-time-critical services within medical facilities |
| Dec-9-2003 |
A wireless local area network (WLAN) system comprises multiple access points that are distributed throughout a medical facility to provide wireless access to a hardwired network. The access points implement... |
| 6648820 |
Medical condition sensing system |
| Nov-18-2003 |
This invention discloses a medical condition sensing system including a multiplicity of general purpose computers disposed in user locations and being connected via a computer network to at least one controller... |
| 6647374 |
System and method of assessing and rating vendor risk and pricing of technology delivery insurance |
| Nov-11-2003 |
A method and system for providing a standardization and commoditizing the process of technology contracts and creating method for assessing, scoring, ranking and rating technology vendors for the purpose... |
| 6645718 |
DNA sample collection for identification |
| Nov-11-2003 |
A process of collecting a sample of DNA from an individual for short-term or long term storage in the event that the DNA is required to identify the individual in the event of a cataclysmic accident. The... |
| 6636834 |
Computer system and methods for management, and control of annuities and distribution of annuity payments |
| Oct-21-2003 |
A computer system and methods for management and control of annuities and distribution of annuity payments is presented which enables transfer of funds between annuities, whether variable or fixed, without... |
| 6615181 |
Digital electrical computer system for determining a premium structure for insurance coverage including for counterclaim coverage |
| Sep-2-2003 |
A computer system for supporting a plan of counterclaim insurance provided to professionals, optionally along with professional liability insurance, deters frivolous professional malpractice claims. The... |
| 6615180 |
Process and apparatus for the derivation of annuity rates |
| Sep-2-2003 |
A process and apparatus for determining premium tables to produce annuity rates, where the annuity rates reflect client data pertaining to age, sex, medical conditions and high risk behavior. The annuity... |
| 6611815 |
Method and system for providing account values in an annuity with life contingencies |
| Aug-26-2003 |
A data processing method for administering an annuity product having a guarantee of lifetime payments. The method includes establishing a charge for the guarantee of lifetime payments, determining an initial... |
| 6611808 |
Method and apparatus for determining additional benefits and costs for an annuity contract |
| Aug-26-2003 |
A method for determining additional death benefits with respect to an annuity contract, the annuity contract being stored in a computer system. The method comprises generating data corresponding to an... |
| 6611807 |
Economic security planning method and system |
| Aug-26-2003 |
An economic security and financial planning method and system are disclosed. Their purpose is to calculate a household's highest sustainable living standard and determine the amount of saving and life... |
| 6609111 |
Method and apparatus for modeling and executing deferred award instrument plan |
| Aug-19-2003 |
The present invention is directed to the administration of various deferred compensation programs that can effectively reduce an individual's income or estate tax by assisting a company in the identification... |
| 6606031 |
Method for displaying warranty information |
| Aug-12-2003 |
A method 10 for displaying warranty information by use of a display of indicators 72, 74 having one of a variety of colors. Various item function groups 68, 70 are created and each function group has a... |
| 6604080 |
Computer system and methods for supporting workers' compensation/employers liability insurance |
| Aug-5-2003 |
An automated system and method of computing rates to be charged for insurance coverage equivalent to that provided by a standard workers' compensation policy includes coordinating a workers' compensation... |
| 6594668 |
Auto-norming process and system |
| Jul-15-2003 |
A system and process includes a computer that is preferably operatively connected to an area network, such as to the Internet. A database is maintained that is accessible to the computer. Raw data is provided... |
| 6594635 |
Data processing system for providing an efficient market for insurance and reinsurance |
| Jul-15-2003 |
A data processing system is disclosed that provides an efficient market for: (1) the provision of insurance and reinsurance between insurers and those seeking insurance and reinsurance, and (2) the sale... |
| 6584467 |
Method and apparatus for obtaining data from vendors in real time |
| Jun-24-2003 |
A system and method of controlling a computer network to obtain information needed to render risk evaluative decisions from vendors in real time. The information may be obtained for agents preparing insurance... |
| 6584446 |
System for underwriting a combined joint life and long term care insurance policy which is actuarially responsive to long term care demands and life expectancies of the individual insureds |
| Jun-24-2003 |
Sets of future risk expectation strings for long term care and for life expectancy are categorized into a plurality of Joint Equal Age Risk Classifications, upon which risk exposure sequencing and present... |
| 6574634 |
Creating, translating and publishing large information plans to a network |
| Jun-3-2003 |
The invention is a data structure published to an access viewer network such as the Internet or a wide area network. The deployment and publication of the data structure results in topic pages containing... |
| 6549888 |
Systems and methods for bonding information and services to assure the accuracy of the information and/or performance of services provided by a network server |
| Apr-15-2003 |
A system assures the accuracy of information and the performance of services provided by an entity. The system receives a request from the entity to bond the information and services provided by the entity... |
| 6549852 |
Methods and systems for managing farmland |
| Apr-15-2003 |
Methods and systems for characterizing and managing plots of land is provided. Information related to elevation, soil conductivity, crop yield, and grower history is organized into profiles to generate... |
| 6529876 |
Electronic template medical records coding system |
| Mar-4-2003 |
A method and a computer program and computer apparatus for use by health care providers for the production of accurate billing coding for care rendered. The invention established the process, the data... |
| 6526386 |
System and method for automatically generating automobile insurance certificates from a remote computer terminal |
| Feb-25-2003 |
A system and method for generating automobile insurance certificates from a remote computer terminal connected by a computer network to a central computer, wherein an expiring automobile insurance policy... |
| 6473737 |
System, method and apparatus for providing an executive compensation system |
| Oct-29-2002 |
The present invention provides a system, method and apparatus for providing an executive compensation system having a first entity, a money lender, and an insurer. The first entity receives a taxable sum... |
| 6470321 |
System, method, and computer program product for providing financial protection of equity investments |
| Oct-22-2002 |
A system and method for determining an equity protection insurance policy (EPIC) for investors or shareholders to protect their equity investment in a business entity based on the happening of a fortuitous... |
| 6456979 |
Method of evaluating a permanent life insurance policy |
| Sep-24-2002 |
A method of evaluating a permanent life insurance policy including the steps of establishing a benchmark cost of insurance value, obtaining a policy illustration, resolving an illustrated cost of insurance... |
| 6441725 |
Electronic visual indication system |
| Aug-27-2002 |
An electronic visual indication system for a motor vehicle which indicates whether the motor vehicle has current motor vehicle insurance coverage. The electronic visual indication system is configured... |
| 6424952 |
Method of providing means to pay for total future educational expenses to attend an institution of higher learning |
| Jul-23-2002 |
A method and system for financing expected future educational expenses. The method includes the basic steps of determining current educational expenses, reviewing past changes in educational expenses,... |
| 6411939 |
Computer-aided method, machine, and products produced thereby, for illustrating a replacement of a benefit plan that is viable at one location but not viable at the location of the replacement |
| Jun-25-2002 |
A method implemented with a machine, the machine, and method for using the machine, and products produced thereby, the method including a digital electrical computer having a processor programmed for electrically... |
| 6405177 |
System for securing commercial transactions conducted on-line |
| Jun-11-2002 |
The invention is an on-line business method which will enable on-line retailers to offer the following on-line financial guarantee services to their customers: the financial guarantee of a secure credit... |
| 6397334 |
Method and system for authenticating objects and object data |
| May-28-2002 |
A system and method for authenticating an image of an object, include at least one identifier associated with the object, a receiver for interrogating the at least one identifier to produce identification... |
| 6393405 |
Beneficial settlement method and storage media |
| May-21-2002 |
This invention pertains to a method of calculating payout ratios in a financial transaction in which a chronically ill individual sells a portion of his life insurance proceeds in exchange for an investor... |
| 6393404 |
System and method for optimizing medical diagnosis, procedures and claims using a structured search space |
| May-21-2002 |
A system and method for optimizing medical diagnosis, procedures and reimbursement claims using a structured search space is described. The system may comprise: a master procedure list of alphanumeric... |
| 6347302 |
Apparatus and method for processing lease insurance information |
| Feb-12-2002 |
An apparatus and method for processing lease insurance information which includes a memory device for storing a first data set, wherein the first data set contains information for generating at least one... |
| 6343272 |
System for analyzing and managing equity participation life insurance and annuity contracts |
| Jan-29-2002 |
A system for analyzing and managing a plurality of specified life insurance policies and annuity contracts on behalf of an insurance carrier. The life insurance policies or annuity contracts depend on... |
| 6343271 |
Electronic creation, submission, adjudication, and payment of health insurance claims |
| Jan-29-2002 |
A claims processing system for electronically reviewing and adjudicating medical insurance claims. The claims processing systems include a benefits system, an automated adjudication system, a payment system,... |
