| 6041304 |
System and method for controlling the cash value growth of an insurance policy |
| Mar-21-2000 |
A system and method for managing cash value growth of life insurance policies by adjusting the death benefit levels, durations and premiums of the insurance policy. |
| 6026364 |
System and method for replacing a liability with insurance and for analyzing data and generating documents pertaining to a premium financing mechanism paying for such insurance |
| Feb-15-2000 |
A system and method for replacing a self insurance with insurance, employing a premium financing mechanism with a payout pattern determined in consideration of an estimated payout of the self insurance... |
| 6018714 |
Method of protecting against a change in value of intellectual property, and product providing such protection |
| Jan-25-2000 |
Disclosed herein is a method of providing protection against an unexpected change in value of an intellectual property asset, which includes: (a). obtaining a description of at least one intellectual property... |
| 6018713 |
Integrated system and method for ordering and cumulative results reporting of medical tests |
| Jan-25-2000 |
A network-based system and method for ordering and cumulative results reporting of medical tests includes a computer operated at a physician location (such as a hospital or physician office) to order tests,... |
| 6014676 |
System and method for backing up computer files over a wide area computer network |
| Jan-11-2000 |
A system backs up computer files to a remote site via modem. Files of a user computer that are found in a common library at the remote site initially are not copied to the remote site, whereas files not... |
| 6014632 |
Apparatus and method for determining insurance benefit amounts based on groupings of long-term care patients with common characteristics |
| Jan-11-2000 |
A method for using a digital electrical apparatus to electrically process signals in generating output for insurance documentation, the method including the steps of: in a digital electrical computer apparatus... |
| 6009402 |
System and method for predicting, comparing and presenting the cost of self insurance versus insurance and for creating bond financing when advantageous |
| Dec-28-1999 |
A system and method for predicting, comparing, and presenting the cost of self insurance versus insurance for property, casualty, or employee benefit liabilities, and for creating bond financing when advantageous.... |
| 6003008 |
Point of sale device |
| Dec-14-1999 |
A point of sale device (20) is provided comprising a base unit (22) and a cover unit (34) connected to one another by a hinge mechanism (38). The base unit has a front surface (24) and an exterior casing... |
| 6003007 |
Attachment integrated claims system and operating method therefor |
| Dec-14-1999 |
An attachment integrated claims (AIC) system is formed by a combination of first, second and third storage media. The first storage medium stores computer readable instructions for permitting a first computer... |
| 5999917 |
Automated system for managing a non-qualified deferred compensation plan |
| Dec-7-1999 |
An automated system for managing the assets and liabilities of Non-Qualified Deferred Compensation (NQDC) plans. This system uses information from money managers, insurance and annuity carriers, plan sponsors... |
| 5995939 |
Automated networked service request and fulfillment system and method |
| Nov-30-1999 |
An automated networked service request and fulfillment system and method includes "client" computer systems in the offices of professionals such as doctors, and "sponsor" computers at the sites of service... |
| 5995894 |
System for analyzing spatially-variable harvest data by pass |
| Nov-30-1999 |
An apparatus is provided which analyzes spatially-variable harvest data for one of the passes made by an agricultural harvesting vehicle through an agricultural field. The harvesting vehicle supports an... |
| 5991744 |
Method and apparatus that processes financial data relating to wealth accumulation plans |
| Nov-23-1999 |
A digital computer produces data corresponding to results of different financial plans. Contribution data corresponding to contributions to an account created under the plan are entered into the digital... |
| 5983206 |
Computer system and computer-implemented process for implementing a mortgage partnership |
| Nov-9-1999 |
A computer system and computer-implemented process creates single mortgage documents with multi-part obligations. The obligations allow for financing of real property ownership through a combination of... |
| 5978769 |
System and method for determining and analyzing building occupancy |
| Nov-2-1999 |
A system and method that determines building occupancy at a selected site by using geographically based structures to identify potential clients and to analyze aggregate carrier exposure levels at the... |
| 5974390 |
System and method for assuring predictable gains |
| Oct-26-1999 |
A system and method is described for creating a predictable flow of funds from an otherwise unpredictable source. An investment and receiving vehicle is established where participants pool their ownership... |
| 5970479 |
Methods and apparatus relating to the formulation and trading of risk management contracts |
| Oct-19-1999 |
Methods and apparatus which deal with the management of risk relating to specified, yet unknown, future events are disclosed. `Sponsor` stakeholders specify a particular product relating to an event or... |
| 5970464 |
Data mining based underwriting profitability analysis |
| Oct-19-1999 |
A computer implemented method of underwriting profitability analysis delivers the analytic process to a wide cross section of insurance decision makers. The underwriting profitability analysis system leverages... |
| 5966693 |
Method for combining loan with key employee life insurance |
| Oct-12-1999 |
A leveraged whole or universal life insurance plan is administered using a computer processing method to ensure lender security, accumulation of value to an employee, and minimum tax exposure. The employer... |
| 5963926 |
Computer implemented method, system and apparatus for processing various transactions using a plurality of transaction cards |
| Oct-5-1999 |
A method, apparatus and computer program for processing plural types of transactions by a transaction processor connected to plural companies of different industries via a network. Use of the invention... |
| 5956691 |
Dynamic policy illustration system |
| Sep-21-1999 |
A dynamic, user friendly insurance policy illustration system for computing and graphically displaying the future values of a model life insurance policy. Key variables are entered and a graphic display... |
| 5956687 |
Personal injury claim management system |
| Sep-21-1999 |
A technique for computerized management of a plaintiff's personal injury case is disclosed. This technique includes establishing records, each reflective of the phase of a corresponding personal injury... |
| 5950169 |
System and method for managing insurance claim processing |
| Sep-7-1999 |
A system and method for managing and processing insurance claims is provided that implements an object oriented graphic user interface. The system includes at least one remote computer for entering and... |
| 5930760 |
Process and apparatus for the derivation of annuity rates |
| Jul-27-1999 |
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... |
| 5930759 |
Method and system for processing health care electronic data transactions |
| Jul-27-1999 |
A system or network for assembling, filing and processing health care data transactions and insurance claims made by patients pursuant to health care policies issued to the patients by insurance companies... |
| 5926800 |
System and method for providing a line of credit secured by an assignment of a life insurance policy |
| Jul-20-1999 |
A system for providing loans to owners of life insurance policies who are terminally ill or aged. The system comprises a statistical module, medical module and a financial module which together operate... |
| 5926792 |
System for managing a stable value protected investment plan |
| Jul-20-1999 |
Method and system to track, reconcile and administer the values of life insurance policies in separate accounts, including Stable Value Protected funds. Accordingly, targeted returns are translated into... |
| 5918217 |
User interface for a financial advisory system |
| Jun-29-1999 |
A user interface for a financial advisory system is provided. According to one aspect of the present invention, a user may interactively explore how changes in one or more input decisions such as a risk... |
| 5918215 |
Content sales price accounting system and accounting method thereof |
| Jun-29-1999 |
A goods master is stored with sales prices and sales effective periods of respective contents. A contract master is stored with data as to whether the sales price can be reduced. A key sales section charges... |
| 5915241 |
Method and system encoding and processing alternative healthcare provider billing |
| Jun-22-1999 |
A system for encoding and encompassing healthcare provider billing, more particularly, a computer assisted network for encoding, documenting and processing claims for payment of specific procedures by... |
| 5913198 |
System and method for designing and administering survivor benefit plans |
| Jun-15-1999 |
A computer-implemented system and method for designing and administering self-funded survivor benefit plans is disclosed. The system includes a specific purpose computer programmed with several computer... |
| 5907848 |
Method and system for defining transactions from a database log |
| May-25-1999 |
A method and system of providing external transaction protection for a database using the database log or journal. The method involves creating a set of transaction templates which define transactions,... |
| 5907828 |
System and method for implementing and administering lender-owned credit life insurance policies |
| May-25-1999 |
The invention relates to a system for analyzing and managing at least one lender owned life insurance policy on behalf of a lender to improve loan profitability, achieve investment results from the COLI,... |
| 5903873 |
System for registering insurance transactions and communicating with a home office |
| May-11-1999 |
A system for registering insurance transactions and communicating the insurance transactions to a home office computer, preferably on a nightly basis. The system includes a plurality of communications... |
| 5897619 |
Farm management system |
| Apr-27-1999 |
A farm management system that is an interactive system to acquire, portray, and process field related data to thereby set rates on a field by field basis, verify that each policy complies with company,... |
| 5893072 |
Insurance classification plan loss control system |
| Apr-6-1999 |
A loss control system for an insurance classification plan has a policy holder database, a predictive apparatus and a derived actual loss ratio generator. The policy holder database generates signals indicative... |
| 5893071 |
Annuity value software |
| Apr-6-1999 |
A computer-implemented system for determining deferred and immediate annuity contract living contingent and supporting component funding and related data representing tangible annuity contract values across... |
| 5890129 |
System for exchanging health care insurance information |
| Mar-30-1999 |
An information-exchange system is provided for controlling the exchange of business and clinical information between an insurer and multiple health care providers. The system includes an information-exchange... |
| 5884286 |
Apparatus and process for executing an expirationless option transaction |
| Mar-16-1999 |
The present invention introduces an apparatus and process which may be implemented on a vast variety of computer systems. The apparatus and process of the present invention use a computer system to receive... |
| 5884283 |
System, method and program product for managing and controlling the disposition of financial resources |
| Mar-16-1999 |
A method, computer program product and system providing management and control of the disposition of personal financial resources, taking into account the effects of inflation and deflation. The method... |
| 5884274 |
System and method for generating and executing insurance policies for foreign exchange losses |
| Mar-16-1999 |
A system and method for providing a foreign exchange insurance policy that automatically considers factors such as the type of currency, exchange rate, amount of coverage, and period of coverage, to determine... |
| 5873066 |
System for electronically managing and documenting the underwriting of an excess casualty insurance policy |
| Feb-16-1999 |
A computer-implemented system for managing the underwriting, quoting and binding by an insurance company of an excess casualty insurance policy for an insured having a primary insurance policy with a primary... |
| 5870733 |
Automated system and method for providing access data concerning an item of business property |
| Feb-9-1999 |
An automated system (10) for providing access data (42) concerning an item of business property includes a master database (34) containing master data (36) concerning the item and an accesser (16) that... |
| 5870711 |
Method and system for management of cargo claims |
| Feb-9-1999 |
The method and system allow a carrier of cargo to effectively manage a system to process customer cargo claims. The method and system utilize a computer, a storage medium, and programing to organize incoming... |
| 5855005 |
System for electronically auditing exposures used for determining insurance premiums |
| Dec-29-1998 |
A computer-implemented system for auditing a total exposure of an entity, the total exposure forming the basis of a premium amount to be charged to the entity for an insurance policy. A first means for... |
| 5852808 |
Method and apparatus for providing professional liability coverage |
| Dec-22-1998 |
A system and method are provided that, in the case of professionals having large numbers of publicly traded corporate clients, are able to use the relative probabilities of different ones of those clients... |
| 5845256 |
Interactive self-service vending system |
| Dec-1-1998 |
A system for vending insurance policies includes stand-alone, interactive self-service terminals coupled to a central office over a communication link. The terminals are normally off-line, but periodically... |
| 5845254 |
Method and apparatus for objectively monitoring and assessing the performance of health-care providers based on the severity of sickness episodes treated by the providers |
| Dec-1-1998 |
A method and apparatus for objectively monitoring the performance of a group of health-care providers. In-patient payment claim records representative of in-patient health-care services performed for patients... |
| 5839113 |
Method and apparatus for rating geographical areas using meteorological conditions |
| Nov-17-1998 |
A method and apparatus for rating geographical areas based on the severity and/or frequency of different meteorological conditions. To determine the rating of a geographical area, raw data information... |
| 5839112 |
Method and apparatus for displaying and selecting vehicle parts |
| Nov-17-1998 |
The present invention is an insurance estimating system that presents a number of advances over the prior art. The invention enables an insurance estimator to quickly and accurately estimate damage to... |
