|| List of recent Insure++-related patents
| 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.
| 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.. .
| 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.
|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.. .
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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..
|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.
|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.
|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.
|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.
|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..
|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.. .
|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.
|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.
|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.
|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.
|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.
|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.. .
|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.
|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.. .
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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.
|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.. .
|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.
|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.
|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.
|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..
|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.
|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.
|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.
|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.
|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.
|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..
|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.
|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.
|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..
|Incentivized adoption of time-dependent insurance benefits|
System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity.
|Coupling plant air purification with wellness, prevention and insurance programs|
A method by which an organization with plurality of employees and/or insureds and/or members takes steps intended to reduce its costs for providing healthcare, by establishing a wellness and prevention program which comprises at least one of the following: paying for costs of installing plant air purifiers in a workplace of said employees and/or insureds and/or members; paying for costs of installing plant air purifiers in places of residence of said employees and/or insureds; wherein: said plant air purifiers include a mechanism for forcing air to pass through a filter bed thereof in which said plants are rooted.. .
|Insurance product, rating and credit enhancement system and method for insuring project savings|
In the present invention, an insurance product, rating system and method generally relates to a rating and pricing system for quantifying the risk that the annual savings will not fall below specified levels associated with implementing and maintaining economic improvements. Disclosed embodiments involve a credit enhancement system and method relating to the manner in which insuring a project savings floor (i.e., a minimum level of return on investment for a given improvement project) can be realized in a better credit rating for bonds or loans associated with the improvement project.
|Systems and methods for electronic receipt based contents inventory and casualty claim processing|
A method for investigating a casualty claim using a programmed computer system may include receiving a prompt to create a contents inventory, the prompt including an identification of one or more email accounts associated with an insured, analyzing the one or more email accounts for information related to the acquisition of personal property, and using the information related to the acquisition of personal property to generate a contents inventory for investigation of the casualty claim.. .
|Software and methods for organizing health data|
Software and methods for organizing health data uses a patient's health information to produce a list of actions (such as tests, procedures, labs, counseling and the like) that should be done at a specific time. The software can be used for any branch of health care.
|Completely disposable cooking apparatus for filling and decorating of foods|
A cooking apparatus used for filling and decorating of foods, comprising in some embodiments a one-piece, funnel-shaped bag with a soft side wall, having an open first end at the “top” through which food material and coloring agents can be inserted into the bag and a closed second end at the “bottom” end of the funnel, with an integral, malleable, conical shaped, discharge orifice. The orifice may have serrations or ridges extending inwardly from the internal wall of the orifice, running longitudinally or parallel to the cone axis.
|Self powered wireless system|
Apparatus for a self-powered wireless transmitter system. One such system includes an inductor, a delay circuit, and a transmitter with an antenna.
|Roller hinge constructions|
A roller hinge assembly for connecting articulating door panels and simultaneously supporting a laterally extending panel support roller assembly includes one or more hinge units each having a male hinge strap and a female hinge strap. The structural integrity of one or more of the hinge units is supplemented by a reinforcing, slotted tubular member fitted over the roller axle support bushing which extends between and simultaneously engages opposed, spaced hinge strap arms.
|Engine, system and method of providing a multi-platform payment and information exchange|
System and method for managing insureds' benefits information, comprising a “benefits vault” database that stores data of insured parties, their respective benefit choices, financial contributions to the vault, and restrictions on the use of the contributions, a rules engine that associates the benefit choices with the respective insureds in accordance with predetermined criteria, a remote benefits engine that accesses remote third party resources to implement the benefit choices, and a reporting engine that provides confirmation of the implementation.. .
|Apparatus, method and article to automate and manage communications to multiple entities in a networked environment|
Systems and methods automate and manage electronic communications to multiple entities in the insurance industry, particularly between agents/brokers and insurance companies/insurers. Logical relationships are defined, allowing multi-casting of electronic messages and/or documents to appropriate entities (e.g., underwriters of an insurer).
|Apparatus, method and article to automate and manage communications in a networked environment|
Systems and methods automate and manage electronic communications in the insurance industry, particularly between agents/brokers and insurance companies/insurers. Logical relationships are defined, allowing multi-casting of electronic messages and/or documents to appropriate entities (e.g., underwriters of an insurer).
|Apparatus, method and article to automate and manage electronic documents in a networked environment|
Systems and methods automate and manage electronic communications in the insurance industry, particularly between agents/brokers and insurance companies/insurers. Such include a collaboration environment to collaborate on electronic documents and messages.
|Rail, adhesive mounted, to display utensils and other objects.|
An article support in long thin rail form (11) is described. This rail is adhesively mated to a thicker ribbon (12), the remaining adhesive major face of that ribbon is affixed adhesively to a support structure (wall, under-shelf, door) (fig.