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Insure++ patents



      
           
This page is updated frequently with new Insure++-related patents. Subscribe to the Insure++ RSS feed to automatically get the update: related Insure++ RSS feeds.

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Date/App# patent app List of recent Insure++-related patents
04/17/14
20140102998
 Plate stand patent thumbnailnew patent Plate stand
An inventive dish support assembly utilizes slots in a pair of panels to support dinnerware including a plate or dish. The dish support assembly may include a third member support which supports the pair of panels pivotably.
03/27/14
20140089367
 Techniques for improving the efficiency of mixed radix fast fourier transform patent thumbnailTechniques for improving the efficiency of mixed radix fast fourier transform
Techniques for implementing mixed-radix fft on simd vector processors efficiently for the latest standard in wireless communication technology by dynamically reordering stages are provided. In one aspect, a mixed-radix fft implementation method for vector processors is provided which includes the following steps.
03/27/14
20140089366
 Techniques for improving the efficiency of mixed radix fast fourier transform patent thumbnailTechniques for improving the efficiency of mixed radix fast fourier transform
Techniques for implementing mixed-radix fft on simd vector processors efficiently for the latest standard in wireless communication technology by dynamically reordering stages are provided. In one aspect, a mixed-radix fft implementation method for vector processors is provided which includes the following steps.
03/27/14
20140086419
 Method for capturing and using audio or sound signatures to analyse vehicle accidents and driver behaviours patent thumbnailMethod for capturing and using audio or sound signatures to analyse vehicle accidents and driver behaviours
The use of sound pattern matching methods and techniques to analyse driver behavior and accidents and provide alerts to drivers, passengers, insurers or accident management companies. While a driver is operating a vehicle on the road, sound signatures are captured from a smartphone, in car microphone, retrofitted telematics unit or other device with audio capture capabilities.
03/20/14
20140082344
 Case secure computer architecture patent thumbnailCase secure computer architecture
Two computing subsystems are disclosed, one a control subsystem, the other a user subsystem, each using engines with augmented conventional instruction sets, together with hardware and/or firmware, to compartmentalize execution of user programs to insure their behavior does not exceed defined bounds. Programs hidden in data cannot execute.
03/20/14
20140081885
 Method for providing beneficiary concierge services patent thumbnailMethod for providing beneficiary concierge services
The current invention is for a system and method for providing “concierge” services to beneficiaries of a covered person provided immediately after death; and for providing “concierge” services to claimants of dismemberment, and continuing throughout the duration of the benefits claim process. The method for this service is offered to the employees and dependents insured through corporate sponsored group life and accident insurance programs.
03/20/14
20140081675
 Systems, methods, and apparatus for optimizing claim appraisals patent thumbnailSystems, methods, and apparatus for optimizing claim appraisals
Systems, apparatus, methods, and articles of manufacture provide for assessing a likelihood of total loss of insured property (e.g., an insured automobile) and/or assessing an expected severity of damage to insured property. In some embodiments, information, such as information relating to insured property (e.g., age of a vehicle) and/or claim information (e.g., information relating to circumstances of an auto accident), may be used in determining a total loss score and/or damage severity score, without requiring a professional estimate or appraisal of damage to insured property..
03/20/14
20140081673
 Title document rules engine method and apparatus patent thumbnailTitle document rules engine method and apparatus
A method and apparatus for tracking and guiding the transfer of a vehicle includes determining which documents and things are required in the title transfer process. Documents needed in the title transfer process are generated by the system.
03/20/14
20140081667
 Apparatus and method for processing and/or providing healthcare information and/or healthcare-related information with or using an electronic healthcare record or electronic healthcare records patent thumbnailApparatus and method for processing and/or providing healthcare information and/or healthcare-related information with or using an electronic healthcare record or electronic healthcare records
A computer-implemented method, including storing, in an electronic healthcare record of an individual or patient, a note, comment, or message, provided by the individual, patient, or a caregiver, transmitting the note, comment, or message, to a device used by a provider, receiving information regarding the individual or patient from the provider, processing the information from the provider, generating a report containing information regarding provider information, an examination or procedure finding, a diagnosis, treatment, or treatment plan, or wellness, exercise, fitness, nutritional, diet, rehabilitation, or therapy, information, wherein the report contains information regarding, or a link or hyperlink to, the electronic healthcare record or data or information contained therein, or the note, comment, or message, and transmitting the report to a communication device used by the individual, the patient, the caregiver, the provider or a second provider, or an insurer or payer of the individual, the patient, or the caregiver.. .
03/20/14
20140081664
 Medical value index patent thumbnailMedical value index
The present invention incorporates medical knowledge into the processes and algorithms that combine inpatient quality outcomes, ambulatory quality measures and health insurers' financial data into a medical value index (mvi) which forms actionable information that hospitals and physicians can use to improve the efficacies and efficiencies of their care. It then quantifies the financial net savings that predictably accrue as a result of the providers' improved medical outcomes.
03/13/14
20140074513
Data processing system for implementing financial asset transactions in a retail environment
A data processing implemented sales and activation system is used to distribute insurance products and services. A two stage operation is facilitated by the selectively arranged retail packaging used in conjunction with an on-line activation process to permit enhanced marketing of insurance and other insured products and services..
03/13/14
20140074512
Systems and methods for vehicle rental insurance
Exemplary embodiments provide systems, methods, and products that that offer, characterize, price, and/or sell vehicle rental insurance coverage in terms of the type of vehicle, class of vehicle, or exact vehicle that the customer will obtain as a rental, instead of, or in addition to, a dollar limit per day and/or a dollar limit per incident. Various embodiments allow insurers to offer and calculate a premium price for, and/or allow consumers to choose and pay for, coverage specified according to the type of vehicle, class of vehicle, and/or exact vehicle desired as a rental replacement for an insured vehicle.
03/13/14
20140069771
Duo spiral escalator with direct return
This invention describes the design of a carrier system for people or goods permitting the continuous path of travel of a duo spiral escalator ascending and descending around a tower with a fixed diameter from the top to the bottom. At the bottom level and at the top level of the duo spiral escalator the invention consists of discontinuous upper and lower tracks for reversing the tread direction.
03/06/14
20140067433
Method and system for insurance claims adjustment
The invention relates to a system and method that allows for the labeling of images associated with a property damage insurance claim, the labels subsequently used to automatically generate documents associated with the claims adjustment process. More specifically, a claims adjuster uses a specialized interface to select sentence fragments and tags to generate labels for images and pictures of the insured's damaged property or to directly import into a claims estimating platform.
03/06/14
20140067423
Apparatus and method for processing and/or providing healthcare information and/or healthcare-related information with or using an electronic healthcare record or electronic healthcare records
A computer-implemented method, including receiving and storing a note, comment, or message, transmitted from a first communication device used by an individual, a patient, or a caregiver for same, in an electronic health record, transmitting the note, comment, or message, to a second communication device used by a provider, receiving information regarding an examination finding, a diagnosis, a treatment, or a treatment plan, transmitted from the second communication device or a third communication device used by the provider, processing, with a computer, the information regarding an examination finding, diagnosis, treatment, or treatment plan, generating a report containing information regarding the examination finding, diagnosis, treatment, or treatment plan, storing the report in the electronic healthcare record, generating an insurance claim or request for payment, and transmitting the insurance claim or request for payment to a fourth communication device used by an insurer or a payer.. .
03/06/14
20140059929
Self contained planter for growing seeds
An improved ornamental planter for gardening and the like is provided. The planter includes soil or some other growing medium, perennial bulbs or seeds for flowers or other plants and an insert positioning the bulbs or seeds an an optimized depth within the container to insure that the plants or flower grow properly out of the container.
02/27/14
20140058963
Facility control system (fcs-c2) (introduction of traveler form) to manage assets planning, design, construction, fabrication, operating, maintence and products fabrication
A facility control system includes lab, field and construction equipment with a wireless transceiver to transmit machine generated actual initial measurement (aim) data including gps information from a field activity to a wide area network; a mobile computer with a wireless transceiver to transmit human generated data from an office, a remote lab, or a field test to the network; and a server coupled to the network, the server including a database to receive machine and human generated aim data, wherein the server applies statistics and engineering methods to predict specification compliance and performance, wherein the aim data is used with pre-formatted engineered designed data sheets, including checklist/traveler form, that reflect the exact location of the event and required standards including incorporating best construction practices for installation of construction items and materials quality to promote standardization, uniformity that insures contract compliance and minimizes non-conforming items in real time.. .
02/27/14
20140058765
Processing and optimizing travel insurance transactions
A method and system are provided for processing communications between travel service providers and travel insurers where travel service providers use different messaging formats. A travel service provider transmits itinerary data to a travel insurer in one messaging format.
02/27/14
20140058762
Methods and systems for consumer controlled insurance data management
One embodiment is directed to a method for data management for insurance purposes. The method includes receiving, at a server, time-variant data from a retail module configured to obtain the time-variant data, wherein the time-variant data pertains to an item or intangible to be insured.
02/27/14
20140058758
Interaction with parties for workers compensation
Technology is described for interacting with employers in a worker's compensation process. The method can include receiving a worker's compensation claim at a server.
02/27/14
20140058746
Medical bill analysis and review
A method and business technique for reviewing medical service provider bills, recalculating and providing payment recommendation to a paying party for the bills. The method includes analyzing medical bills and determining erroneous and inappropriate charges on bills.
02/20/14
20140052469
Method and system for information retrieval and transfer
A method for providing medical insurance information corresponding to a consumer of medical services can include receiving consumer medical insurance information from a consumer. This information includes one or more identity fields.
02/20/14
20140049536
Stereo composition based on multiple camera rigs
A method for performing stereo composition using multiple camera pairs. The method includes positioning first and second pairs of virtual cameras for imaging an animated scene.
02/20/14
20140049110
Matrix converter and method for generating an ac voltage in a second ac voltage grid from an ac voltage in a first ac voltage grid by means of a matrix converter
A matrix inverter is connected to a first and a second multi-phase a.c. Voltage network.
02/13/14
20140046871
Longevity retirement protection fund system and method
A system and method for facilitating the provisions of a longevity retirement protection fund that provides payments to fund participants based upon the participants' contributions to the fund, the projected longevity of the participants, and the investment performance of the fund. The periodic redemption amounts are based upon the amount the participant invests, upon the particular participant's projected longevity, and upon the fund's investment and longevity performance.
02/13/14
20140046834
System and method for transferring a line of credit balance to a cash account
The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated system ensures that requested funds are available in a customer's one or more lines of credit and electronically deposits the requested funds into one or more designated deposit accounts or payment systems.
02/13/14
20140046704
Method for limiting exposure to liability in medical benefit plans
Systems and methods are provided to limit exposure of medical plans to high liabilities for renal dialysis without exposing the insured patient to out-of-pocket liability while still allowing the patient to receive dialysis as they need it. In one embodiment, this goal is achieved by providing an erisa medical insurance plan structure that limits plan responsibility to 125% of the medicare approved amount for the services provided, and simultaneously supplements coverage of the patient under medicare part b.
02/13/14
20140046703
Method, system, device, and media for managing debt support
A computer-implemented method, system, apparatus, and media is directed to minimizing a risk associated with an anticipated value of an investment. An insurer establishes a capital structure within a computer memory of a computer system, the capital structure designed to minimize risk and being pledged to fund a default associated with the investment.
02/13/14
20140043101
Method and apparatus for a class-e load tuned beamforming 60 ghz transmitter
The class-e amplifier can be tuned to pass only the fundamental frequency to the antenna by optimizing the second harmonics at the drain of the final pa driver transistor. A cpw in series with a capacitor between the pa transistor and the load forms a band pass filter that only allows the fundamental frequency to pass to the load of the antenna.
02/13/14
20140041388
Aircraft fuel system test unit
This aircraft maintenance equipment is a fuel system leak test unit, designed to insure installation integrity of fuel system lines and hoses and to insure that the system is free from any debris generated during the assembly and maintenance process for an aircraft. The unit is designed to check for leaks using vacuum or pressure while monitoring for fuel leaks or bubbles through a clear tube section..
02/06/14
20140039940
Receipt insurance systems and methods
Receipt insurance systems and methods provide protection to consumers against losses which may result from failure to possess a physical receipt or proof of purchase for retail purchase transactions. In one embodiment, a third party receipt insurer insures or guarantees consumers or purchasers of benefits associated with having possession of a receipt or other proof of purchase for a retail purchase without the need for possession of a physical or paper receipt.
02/06/14
20140039937
Insurance data management system
A system and method for the capture, storage and usage of specific insurance underwriting and/or loss validation data includes a handheld mobile computer device containing one or more master forms in which insurance data is entered into the handheld device, normally at the location of the insured home along with an electronic signature of the insured and a geocode and time/date stamp. The data is uploaded to a secure, structured database.
02/06/14
20140039915
System and method for selecting healthcare management
The present invention is directed to a system and method which allows a prospective insured to make an informed decision on healthcare insurance or a specific health care management decision by using a current medical profile to assist in their selection. Based on past medical care, as obtained from payor data, a number of different plans, each having different providers, different deductibles, different maximums, different reimbursement policies, etc., a person can make an informed decision.
02/06/14
20140034800
Cradle for an ultrasound probe
A cradle for holding an ultrasound probe used to image a patient prior to and during medical procedures includes a base for securing to a stepper-stabilizer, roller-bearings supported on the base, and a probe-holder that rotates on the otter-bearings in a smooth angular rotation on a horizontal axis relative to the base. The probe-holder includes a front yoke and a rear yoke, and a yoke retainer supporting the front yoke.
01/30/14
20140032246
Data processing system for implementing financial asset transactions in a retail environment
Exemplary data processing implemented sales and activation systems and methods are used to distribute insurance products and services. Aspects provide a two stage operation facilitated by selectively arranged retail packaging used in conjunction with an on-line activation process to permit enhanced marketing of insurance and other insured products and services..
01/30/14
20140032233
System for the interchange of dental prescriptions
A data processor at a central location includes, a central processing unit, a receiving component to receive prescriptions from dentists, a validation component to insure prescriptions are complete, accurate and comply with any legal or industry standards, an importer to write the prescriptions to a central database, a transmitting component to send the prescriptions to participating dental laboratories, a second receiving component to receive updates related to the production and delivery of the prescribed prostheses, a transmitting component to notify affected parties of changes to the production or delivery status of the prescribed prosthesis.. .
01/30/14
20140026824
Method and apparatus for providing heated water for fracing
In an oil field fracing operation, a direct fire heater is provided that is mobile and self-contained on a trailer chassis. The direct fire heater has the maximum heat exchange possible between a burning gas and the fracing fluid by direct contact therewith.
01/23/14
20140025593
Compliance analysis system
A compliance analysis system. The compliance analysis system is used to evaluate and monitor compliance with a collection of rules applicable to an entity or site.
01/23/14
20140025405
System and method for processing data for insurance coverage for disability risks
Disclosed is a novel disability insurance product that provides a benefit to the purchaser. The insurance product comprises a disability insurance product which offers coverage for a predetermined limited period of time.
01/23/14
20140025404
Systems and method and computer program product for determining consumer negotiable automobile accident and injury calculations
The consumer claim solution software [ccss] program presented herein greatly enhances the consumer's ability to satisfactorily settle an automobile accident claim case, and simultaneously minimizes the time and expense of maintaining and processing the claim for an insurance company. The longer large numbers of claims remain open, the more costly it is to property & casualty insurers.
01/23/14
20140025402
System and method for processing and administrating deductible calculations
An insurance policy management system for administering and managing insurance policies having deductible coverage through a primary and a secondary insurer. The secondary insurer is provided a portion of a premium payment via the primary insurer to provide deductible coverage to a policyholder.
01/23/14
20140025401
Data acquisition apparatus configured to acquire data for insurance purposes, and related systems and methods
Embodiments disclosed herein are directed to data acquisition apparatuses configured to acquire insurance-related environmental data from an insurance policyholder for insurance purposes and transmit the insurance-related environmental data directly or indirectly to an insurer of insurance for the insurance policyholder, and related systems and methods.. .
01/23/14
20140025222
System and method for power monitoring and control
An improved system for power monitoring and control is an aftermarket method for improving power monitoring and control in end-user environments such as offices and homes. The disclosed is a wirelessly connected panel that monitors and/or controls power passed through a power interface and is intrinsically paired with that interface.
01/16/14
20140019171
Insurance transaction system and method
The present invention is a system and method of creating insurance with a switching device that limits the liability of the insurer.. .
01/09/14
20140011642
Leg-powered treadmill
A motor-less leg-powered curved treadmill produced that allows people to walk, jog, run, and sprint without making any adjustments to the treadmill other than shifting the user's center of gravity forward and backwards. A closed loop treadmill belt running between front and rear pulley rollers is formed with a low friction running surface of transverse wooden, plastic or rubber slats attached to each other in a resilient fashion.
01/02/14
20140006133
Software and methods to govern the issuance, use and redemption of codes
A system allows a company to configure custom post purchase marketing campaigns to offer to customers. Customers can receive a code via email, postcard, receipt, onpack, or the like, distributed by the company to the customer after a purchase.
01/02/14
20140006065
Method and system for managing appeals
A system and method for managing insurance claim denials. The system and method reviews a denial of claim from an insurer and a patient medical record received from a healthcare provider to determine if an appeal should be filed for the denial.
01/02/14
20140006043
Systems and methods for processing requests for pharmaceuticals that require insurer preapproval
Systems, methods, and apparatus for managing patients in need of a predetermined pharmaceutical that requires preauthorization based upon patient clinical data are provided. Prescription information is obtained for each respective patient.
12/26/13
20130345489
Configuration management and retrieval system for proton beam therapy system
In a complex, multi-processor software controlled system, such as proton beam therapy system (pbts), it may be important to provide treatment configurable parameters that are easily modified by an authorized user to prepare the software controlled systems for various modes of operation. This particular invention relates to a configuration management system for the pbts that utilizes a database to maintain data and configuration parameters and also to generate and distribute system control files that can be used by the pbts for treatment delivery.
12/26/13
20130343191
Ensuring predictable and quantifiable networking performance
The ensuring of predictable and quantifiable networking performance. Embodiments of the invention combine a congestion free network core with a hypervisor based (i.e., edge-based) throttling design to help insure quantitative and invariable subscription bandwidth rates.
12/26/13
20130340771
Post operative amputated lower leg limb protective and promotive healing device
A post operative amputated lower leg limb protective and promotive healing device including a supportive section having a first end and an opposite second end; and an open framework protective section releasably securable to at least one end of the supportive section. The open framework protective section forms a plurality of openings to allow airflow therethrough in all directions and is configured to insure no physical contact by the protective section with the amputated lower leg limb.
12/19/13
20130339063
System and methods for managing intellectual property-based risks
Presented herein are methods and systems for managing an entity's risks of patent coverage. More specifically, the present invention is directed to methods and system for insuring an entity against damage awards in patent litigation.
12/19/13
20130339062
System and method for use of social networks to respond to insurance related events
Pursuant to some embodiments, systems, methods, apparatus and computer program code for responding to insurance related events are provided. Pursuant to some embodiments, event data associated with an insurance related event are received, and cause the analysis of the event data, the identification of an insured entity and an affected insurance policy, the establishment of a support network for response to the insurance related event, and the communication of information associated with the support network to an insured entity.
12/19/13
20130339061
System and method to generate an electronic wage statement file
According to some embodiments, an indication of a pay period frequency may be received from an insured along with an indication of an initial pay period begin date. A series of pay period begin date and pay period end date fields may then be automatically populated based on the pay period frequency and initial pay period begin date.
12/19/13
20130337683
Coaxial connectors withpressure-enhanced continuity
Axially compressible, f-connectors for conventional installation tools for interconnection with coaxial cable include biasing fingers for promoting electrical continuity despite inadequate nut tightening. Each connector has a rigid nut, a post penetrating the nut, a tubular body, and an end cap.
12/12/13
20130332201
Data acquisition apparatus configured to acquire data for insurance purposes, and related systems and methods
Embodiments disclosed herein are directed to data acquisition apparatuses configured to acquire insurance-related data from an insurance policyholder for insurance purposes and transmit the insurance-related data directly or indirectly to an insurer of insurance for the insurance policyholder, and related systems and methods.. .
12/05/13
20130326596
Apparatus and methods for providing authorized device access
Methods, apparatus, and systems are described for providing an accessor device an access credential to interact with a device resource on an accessee device. An authorization entity having a trust relationship with the accessee device, or a linked subordinate authorization entity, generates the access credential.
12/05/13
20130323677
Individualized endosseous dental implant
The instant invention is an individualized anatomic tooth root implant comprised of zirconia oxide or other biocompatible material, manufactured to very closely approximate an extracted tooth root and the existing extracted tooth root socket morphology. By so doing, invasive drilling and other dental procedures can be avoided.
11/28/13
20130317867
Method for processing insurance claim appeals
A system and method for processing an appeal of an insurance claim is disclosed. The method involves a computer implemented process of receiving information about of a denied insurance claim, preparing the appeal, and generating a webpage that provides status information about the appeal to the parties to the appeal.
11/21/13
20130311384
Lease deposit exemption policy
A computerized method creates a deposit exemption policy between a lessor and a third party insurer, the policy obviating the need for a security deposit. The method includes the following steps: a) obtaining and processing information from a potential lessee, using a preprogrammed lease guaranty computer remote from the lessor, to carry out tasks of a lease control intermediary; b) storing with said lease control computer predetermined data regarding the potential lessee; c) requiring the lessor to follow a usual due diligence process for qualifying a lessee; d) optionally determining the specific amount based on payments from said lessee to said lessor; i) to be paid by the lease control intermediary to the lessor upon failure of said actual lessee to pay periodic lease payments; and ii) to be paid directly or indirectly by the lease control intermediary or a 3rd party insurer, upon injury on the property, to the injured party; and e) producing a physical manifestation of a certificate indicating a deposit exemption policy for a specific amount..
11/21/13
20130311348
Fitting digital currency into modern transactional ecosystems
This application described methods and means to construct a viable trading ecosystem for digital currency, gradually rising to local, and global prominence as the modern way to represent money. The application regards various media options to express the digital bit sequence which reflects the monetary value and the identity of the digital coin, including hard copies, and electronic variety.
11/21/13
20130310429
Ite for cancer intervention and eradication
A method of cancer intervention or eradication by administering an effective amount of an endogenous ligand for the aryl hydrocarbon (ah) receptor (ahr) named ite or one of its analogs (the active ingredient) to a subject with cancer is disclosed. An effective dose and dosing frequency of the active ingredient are determined by measuring its blood levels of the subject after dosing.
11/14/13
20130304674
Property and casualty insurance company with supporting membership entity
A method of providing property, casualty and non-flood insurance includes the steps of establishing a membership entity (“me”) to provide emergency-related goods and services to members, provide a right to purchase homeowner's property and casualty insurance from a special insurer, enable members of the me to access the special insurer's network of general contractors for non-claim related repairs at a pre-established price. The insurer establishes internally integrated teams of retained general contractors/adjusters or one person acting as both.
11/14/13
20130304519
System and method for estimating loss propensity of an insured vehicle and providing driving information
A system and method for estimating loss propensity of a vehicle and providing driving information are provided. A loss propensity estimation server receives information from a telematics device installed in a vehicle, determines at least one loss cost area through which vehicle has traveled, and calculates a numeric loss cost factor based upon the at least one loss cost area relative to the amount of risk indicated by the vehicle's garaging loss cost.
11/14/13
20130304518
Methods and systems for appraising an object
An appraisal system includes a network device, a processor coupled to the network device, and a memory device coupled to the processor. The memory device includes a plurality of computer-executable instructions that program the processor to establish a connection with a computing device using the network device, receive an identifier of an insurer from the computing device, and present an appraisal template to a user through the computing device.
11/14/13
20130304495
Integrated health & financial benefits system and method
A medical shared savings unit receives a selection from one or more computing devices to select a medical provider in a region outside the united states for a patient as part of a medical savings plan, and accesses the medical plan information from the data store, and calculates a savings based on a difference between a cost of the medical procedure performed in the region outside the united states and a cost of the medical procedure performed within the united states. The medical shared savings unit further divides the savings between the insurer and the employer based on a medical savings plan model when the patient undergoes the medical procedure in the region outside the united states..
11/14/13
20130299045
Viscous liquid transfer device
This device is used to transfer viscous liquids such as ketchup, shampoo, oil, etc., from one bottle to another bottle. It functions like a funnel but its structure and material composition (plastic/rubber) allows it to hold both containers so that they would stay in place.
11/14/13
20130298848
Gas flow modulator and method for regulating gas flow
A gas flow modulator for gas appliances has electronic control to regulate the flow of gas by means of a control mechanism. The control mechanism is situated transversely to the flow of gas.
11/14/13
20130298583
Battery centric thermal management system utilizing a heat exchanger blending valve
A method of regulating thermal dissipation from a vehicle battery pack is provided in which a by-pass valve is used to control the amount of battery pack coolant either passing through, or by-passing, a heat exchanger, where the coolant passing through the heat exchanger is cooled by a refrigeration system. The vehicle's hvac system is controlled to insure that hvac operation does not compromise maintaining the battery pack within an acceptable range of temperatures..


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