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Insure++ patents



      
           
This page is updated frequently with new Insure++-related patent applications. Subscribe to the Insure++ RSS feed to automatically get the update: related Insure++ RSS feeds. RSS updates for this page: Insure++ RSS RSS


Authentication method

User-to-user selectable location-based information service

Systems and methods for academic core banking

Date/App# patent app List of recent Insure++-related patents
08/21/14
20140236632
 Liability insurer and health plan data exchange patent thumbnailLiability insurer and health plan data exchange
A data information exchange, which accesses data from liability insurers and health plans, manages the data and allows health plans to identify when their plan participants are third party claimants in injury claims. In another aspect, subrogation entities access the data information exchange in order to perform subrogation operations for the health plans, relating to the health plan's participants.
08/14/14
20140230036
 Authentication method patent thumbnailAuthentication method
A system and method whereby the identity of a person, entity, device or the like attempting to gain access to a secured resource may be securely authenticated includes a means for receiving from a requester purporting to be an authorized user of a secured resource a request for access by an unauthorized user (such as, for example, a retail store, a service station, an on-line service provider or merchandiser, a healthcare provider, a medical insurer, an information consumer or the like) to the secured resource; a means for generating and communicating to the purported authorized user a challenge string adapted to provide a basis for authenticating the identity of the requester; a means for receiving a response string corresponding to the challenge string; and a means for evaluating the response string to authenticate the identity of the requester.. .
08/07/14
20140223020
 User-to-user selectable location-based information service patent thumbnailUser-to-user selectable location-based information service
A location-based information system and method therefor, which is responsive to the user's selection of geographic zone and parameters. A proprietary app (application) is installed in a mobile device of the user, which insures that a connection to the user from a caller is based on the user's defined zone and other parameters without the disclosing the exact location of the user.
08/07/14
20140222637
 Systems and methods for academic core banking patent thumbnailSystems and methods for academic core banking
The present invention provides a system, method, and computer program for institutions of higher education to segregate nonexpendable and expendable restricted revenue funds from unrestricted net assets, assess appropriate levels of leverage, determine institutional risk tolerance for fixed and variable-rate debt, and develop sound methodologies to arrive at a predictable blended borrowing rate for all institutional constituents. This insures that all costs to the institution are covered and unexpected fluctuations in financial markets are considered.
08/07/14
20140222470
 Method and system for the creation and delivery to a user of an automated, real time, online insurance policy and certificate insurance for rental of a venue and/or equipment patent thumbnailMethod and system for the creation and delivery to a user of an automated, real time, online insurance policy and certificate insurance for rental of a venue and/or equipment
A method of furnishing a real-time, self-binding, on-line bound policy for a venue and rental equipment insurance product for a user of such a venue, comprises presenting to the user, via electronic interface, prompted questions relating to venue and location, and at least one of activity to be undertaken at venue and duration of activity; receiving from the user at a computing device, answers to the prompted questions; searching attributes of the venue in a base data relating to said venue; receiving rating information from a rating engine relating to at least one of: venue and location, activity to be undertaken at venue, duration of activity and maximum benefits payable upon the occurrence of an insured event (limit selection); and using base data and rating information to calculate insurance terms, an insurance quote and to create, issue electronically transmit insurance policy and certificate of insurance to computing device of user.. .
08/07/14
20140220244
 Ald reactor for coating porous substrates patent thumbnailAld reactor for coating porous substrates
A system and method for improved atomic layer deposition. The system includes a top showerhead plate, a substrate and a bottom showerhead plate.
07/31/14
20140214455
 Method and system for administering life insurance products through classifying insured lives to allocate costs patent thumbnailMethod and system for administering life insurance products through classifying insured lives to allocate costs
In some embodiments, the instant invention is directed to a computer-implemented method that at least includes: programming a process administrator computer system to perform: receiving life insurance data for a plurality of life insurance policies; identifying a life insurance policy that has a catch-up deduction; classifying the insured lives of the life insurance policy into a plurality of insured classes of the insured lives; determining investment amount in a separate account; receiving investment data resulted from investing in an investment option; calculating an investment return amount attributed to the life insurance policy; determining a net investment return amount to be credited to the life insurance policy based on: an insured class, the investment return amount, and the catch-up deduction; and transmitting the net investment return amount so as to result in crediting the net investment return amount to the life insurance policy.. .
07/31/14
20140212294
 Ceilinf fan blade patent thumbnailCeilinf fan blade
A ceiling fan blade includes a lower blade and an upper blade combined together. The lower blade is provided with a recess and secured thereon with a plurality of engage fasteners, and the upper blade is formed with a recess and embedded therein with a plurality of engage posts respectively corresponding with the engage fasteners.
07/31/14
20140210450
 Methods and apparatus for estimating return loss patent thumbnailMethods and apparatus for estimating return loss
Systems and techniques for return loss estimation are described. A forward power sample is taken from a power amplifier of a transmitter by sampling a feedback signal used for power control of the amplifier, and a reflected power sample at an output of the power amplifier is taken by observing the power at a circulator termination of the power amplifier.
07/31/14
20140209774
 Brace patent thumbnailBrace
The brace is a device that insures straightness and stability of christmas trees 12 feet and over when used in conjunction with a large commercial rebar tree stand.. .
07/17/14
20140200929
Systems and methods for dynamically assessing and mitigating risk of an insured entity
Embodiments of the present invention delineate systems and methods for dynamically assessing and mitigating risk of an insured entity. An entity that provides insurance may, in various embodiments, use applications installed on mobile devices to monitor information that may reduce or mitigate fraudulent insurance claims.
07/17/14
20140196632
System for manufacturing a proportional slurry
A novel apparatus for the manufacture of high solid content lime and/or cement slurry that can be used in stabilization applications. The novel apparatus uses nozzles directed at a diffusion baffle to insure proper wetting of the lime or cement based material in order to produce a sufficiently homogenous slurry that sufficiently remains in suspension so that it can be used in stabilization applications without the need for additional mixing..
07/10/14
20140195274
Unemployment risk score and private insurance for employees
Systems and methods for scoring unemployment risk and predicting unemployment probability and for optionally providing unemployment insurance to employees. The unemployment insurance is provided through a private insurer under which the unemployment insurance policy coverage and benefits terms are selected, and policy premiums paid for, by employees.
07/10/14
20140194774
System and method for hearing assessment over a network
A system for administering a hearing test to a remotely located user or subject using a user computing device connected to a communication network. The system provides for testing of ambient noise at the remote location and accuracy of sound reproduction by headphones engaged to the user computing device in a calibration of the loudspeakers of the headphones and the venue prior to communicating the test sounds.
07/03/14
20140188526
Systems and methods for vehicle rental insurance
Exemplary embodiments provide systems, methods, and products 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.
07/03/14
20140188521
Systems and methods for providing a cash value adjustment to a life insurance policy
A method and system for performing a cash value adjustment to an insurance policy issued by an insurer and owned by a policy owner, the method performed by a computer processing system. The method may include (1) inputting parameters of an insurance policy, the parameters including controlling parameters, and the controlling parameters including: (i) a constraint dictated parameter of the insurance policy; and (ii) a driven parameter of the insurance policy.
07/03/14
20140188520
Life insurance option
A method of providing deferred life insurance through a life insurance option. The deferred life insurance becomes effective later in the life of an insured after the option matures.
07/03/14
20140187303
Methods for enhancing payouts and play in games of chance
A computer-implemented method establishes a payout schedule for a game of chance having an enhanced upper tier or a method of conducting a real time drawing for multiple jurisdictions. Arrangement is made with an insurer to provide insurance payment to the game provider in the event of payout of the enhanced upper tier amount, wherein the insurer receives a premium payment that is less than the upper tier payout amount.
06/26/14
20140180726
System and method for use of carbon emissions in characterizing driver performance
A system and method for use of carbon emissions in characterizing driver performance and using such characterization to determine a profile/score associated with a particular insured. The profile/score can then be used to determine an insurance premium for the insured.
06/26/14
20140180065
Fiduciary markers and methods of placement
The invention relates to the field of radiation oncology, specifically the use of novel radio-opaque fiduciary markers which resist migration within tissues, which may be implanted in the body and imaged during radio-therapy to insure accurate treatment of target regions while avoiding irradiation of non-target regions. In one embodiment, the markers comprise oblong bodies from which a plurality of short tines protrude.
06/26/14
20140176121
Portable self powered line mountable electric power line current monitoring transmitting and receiving system
A device for measuring current of an electric power line conductor includes a housing with an opening for accepting a power line conductor. A first coil loop including coil windings with a first end spaced from a second end and having a circular shape.
06/26/14
20140174738
Millable bridge plug system
A millable bridge plug system includes a mandrel, a sealing member, ring members, cone assemblies, and slip devices. The sealing member, ring members, cone assemblies and slip devices are positioned on and around the mandrel.
06/19/14
20140172471
Coverage for transmission of data method and apparatus
The present invention provides systems and methods which afford a technical application for insuring, bonding, and underwriting a transmission of a data set, streaming data, and/or document over the internet through tcp/ip and all other electronic media such as wap, voip, fiber optic channels, microwave channels, and through standard electrical switches, electrical outlets and power lines. The present invention includes a computer-readable medium having computer-executable instructions to cause a system perform a method for insuring, bonding, and/or underwriting data transmission.
06/19/14
20140170895
Surface mount keyhole connectors
An smt electrical keyhole connector includes a flat mounting portion for surface mounting on a pcb and two spaced contact portions each provided with an aperture in a shape of a keyhole that defines a longitudinal insertion axis and includes an upstream open region dimensioned to receive with clearance an insulated conductor having a metallic conductor generally having a diameter d1 surrounded by an outer insulation coating generally defining a diameter d2 and a downstream elongated slot formed by parallel opposing edges spaced from each other a distance h less than d1. Cutting edges cut or strip insulation off an insulated conductor.
06/19/14
20140170697
Flow cell
A flow cell for particle processing such as particle sorting, may be operatively engaged to a particle processing apparatus. The fluid contact surfaces of the flow cell may be fully enclosed.
06/19/14
20140170673
Unitary cartridge for particle processing
A single disposable cartridge for performing a process on a particle, such as particle sorting, encapsulates all fluid contact surfaces in the cartridge for use with microfluidic particle processing technology. The cartridge interfaces with an operating system for effecting particle processing.
06/19/14
20140166751
Apparatus and method for calculating aiming point information
The present invention relates to target acquisition and related devices, and more particularly to telescopic gunsights and associated equipment used to achieve shooting accuracy at, close ranges, medium ranges and extreme ranges at stationary and moving targets. The present invention provides reticles that provide means for selecting secondary aiming points that accurately target an intended target at any desired range, including extreme distances.
06/19/14
20140166283
Millable bridge plug system
A millable bridge plug system includes a mandrel, a sealing member, ring members, cone assemblies, and slip devices. The sealing member, ring members, cone assemblies and slip devices are positioned on and around the mandrel.
06/12/14
20140162435
Ion implant for defect control
Various methods for implanting dopant ions into a three dimensional feature of a semiconductor wafer are disclosed. The implant temperature may be varied to insure that the three dimensional feature, after implant, has a crystalline inner core, which is surrounded by an amorphized surface layer.
06/12/14
20140159510
System for supplying ac power to a display via a low voltage cable
A system for supplying ac power to a display via a cat7 or similar low voltage cable comprises a transmitter connected to an ac power outlet and generating dc voltage transmitted by the cat7 cable to a receiver. The receiver converts the dc voltage to ac voltage and supplies ac power to the display.
06/12/14
20140158106
Optically enhanced bow sight
A rear sight for a bow comprising a sighting window including a frame and a magnification and clarification lens disposed within the frame. The lens is for magnifying and clarifying an archer's view of a target and of a sighting pin of a front sight.
06/05/14
20140156586
Big-fast data connector between in-memory database system and data warehouse system
Embodiments of the present invention include systems and methods for insuring better query consistency between at least two different databases, where one faster database has more up-to-date information than another slower database, and wherein updates are typically applied to the faster database first and then to the slower database. In embodiments, the systems and methods also insure that a query to the slower database is not performed until a set of one or more updates from the faster database have been applied to that slower database..
05/29/14
20140149149
Method and system for the creation and delivery to a user of an automated, real time, online insurance policy and certificate insurance for rental of a venue and/or equipment
A method of furnishing a real-time, self-binding, on-line bound policy for a venue and rental equipment insurance product for a user of such a venue, comprises presenting to the user, via electronic interface, prompted questions relating to venue and location, and at least one of activity to be undertaken at venue and duration of activity; receiving from the user at a computing device, answers to the prompted questions; searching attributes of the venue in a base data relating to said venue; receiving rating information from a rating engine relating to at least one of: venue and location, activity to be undertaken at venue, duration of activity and maximum benefits payable upon the occurrence of an insured event (limit selection); and using base data and rating information to calculate insurance terms, an insurance quote and to create, issue electronically transmit insurance policy and certificate of insurance to computing device of user.. .
05/08/14
20140124535
Reusable spray bottle
Rechargeable containers and dispensers, in particular spray bottle dispensers including structures such as strips, pouches, pills, capsules and the like for providing concentrates of chemical agents for charging or recharging the spray bottle dispenser, preferably, individual chemical refill charges containing chemical concentrate are deployed within the spray bottle dispenser to fully contain any inadvertent spillage of chemicals, and to insure a high degree of safety against accidental spills or ingestion. The device is specifically designed for reuse, having a wider opening which is easier to fill, clean and refill without spills, readily accommodates concentrate inserts in any format, minimizes trigger failure, and has a wide base for stability..
05/08/14
20140123441
Strap-band type connecting device
In a strap-band type connecting device (1), provided is a housing (4) work-hardened and has a bottomed frame (4c) having a frame portion (4b) and a bottom base (4a) in one piece. The housing (4) has a strength and rigidity higher enough to resist a torsional force (k) when a rod screw (9) is rotationally operated.
05/01/14
20140122246
System and method for management of email marketing campaigns
Systems, programs, non-transitory computer readable mediums, and methods of managing multiple and concurrent online advertising campaigns to eliminate user fatigue are disclosed. In particular, a campaign management server generates multiple target lists of users from a data warehouse for a plurality of pre-defined online advertising campaigns.
05/01/14
20140122133
Method of virtually settling insurance claims
A method of virtually settling insurance claims includes the steps of transmitting notice of damage to property of an insured to an insurer through a computer network and providing a claim assignment from the insurer to an intermediary claim manager through the computer network. The method further includes providing the insured with an application through the computer network from the intermediary claim manager, the application configured to be downloaded on a device of the insured and facilitating the transmission of claim information to the intermediary claim manager through the computer network, transmission of claim information through the computer network to the intermediary claim manager for generating a claim assessment by the intermediary claim manager, the claim assessment including at least one settlement option for the insured; and transmitting the claim assessment through the computer network to the insurer..
04/24/14
20140114694
Systems and methods for determining insurance decisions based on social network data
A system for underwriting using community and/or social networking based data includes an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information. Community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data.
04/24/14
20140110138
Protective apparatus in connection with machine tools to safeguard workload installation
This invention is an installation of a protective apparatus to prevent safety problems of machine tools caused in machining work-load process. The protective apparatus is comprised of a circuit used to slowly rotate the loaded machine tool by stepping it at a low speed and low power one full turn to insure clear workload path, and before full power is applied.
04/17/14
20140102998
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
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
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
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
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
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
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
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
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
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.


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