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Data Processing: Financial, Business Practice, Management, Or Cost/price Determination > Automated Electrical Financial Or Business Practice Or Management Arrangement > Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.)Insurance (e.g., Computer Implemented System Or Method For Writing Insurance Policy, Processing Insurance Claim, Etc.) patent applications listed are from June 2005 to current and include Date, Patent Application Number, Patent Title, Patent Abstract summary and are linked to the corresponding patent application page.11/23/06 - 20060265255 - System for monitoring health insurance coverage milestones, tracking member expenses & payments and administration tool for health/medical saving accounts A system and tool that stores and tracks all member healthcare and prescription expenses, using private and secure Internet accounts to monitor payments of their Managed Care (HMO/PPO) provider or insurer. A management tool that has the ability to track and administrate Health/Medical Saving Accounts and also tell a member ... 11/23/06 - 20060265254 - Agency service center A client-server system (Agency Service Center) for facilitating business-to-business transactions between an insurance carrier and an independent insurance agency is provided. The system obviates the need for client configuration and is comprised of a web-based interface that provides for self-service online access to a server-side object repository storing insurance policy ... 11/16/06 - 20060259333 - Predictive exposure modeling system and method An audit selection method (10) for commercial casualty policies (such as workers' compensation, employer's liability, and general liability policies) can include the steps of determining (14) a probability of under-reported exposure for a given policy (12) using classification modeling, identifying (24) a source of under-reported exposure using classification modeling, and ... 11/09/06 - 20060253307 - Calculation of driver score based on vehicle operation The monitored use of a vehicle provides accurate and reliable data that can be used to determine the insurable risk of a vehicle operator. What is disclosed is a system and method for monitoring vehicle operation and using the collected data to calculate a driver score. The driver score can ... 11/09/06 - 20060253306 - Workers compensation system for determining a cost of insurance A system for monitoring a business's operational characteristics and employee classifications, in real time, to obtain increased amounts of data relating to the total compensation for purposes of providing a more accurate determination of a cost of insurance for the risk, on a real-time basis, and to bill such charges ... 11/09/06 - 20060253305 - Computerized automated new policy quoting system and method An automated computerized system for quoting new insurance policies or other policies through a method utilizing public data searches, information provided by consumer reporting agencies, and other information to quote individuals new insurance policies without the need for the individual to call in and/or come in to an office to ... 11/02/06 - 20060247953 - Method of administrating insurance coverage The present invention includes methods of administrating insurance coverage for a group of insured. A healthcare/risk manager is assigned to each insured to supervise and monitor the wellness of each insured. Among other things, bundled services can include healthcare and workers' compensation coverage. ... 10/26/06 - 20060241982 - Method and system for automated processing of insurance information A method and system for automated processing of insurance information. A universal electronic insurance application form is automatically created and sent and received electronically. The universal electronic insurance information form includes a set of common insurance census information required by health insurance carriers to provide health insurance quotes. The universal ... 10/26/06 - 20060241981 - System and method for early identification of safety concerns of new drugs Method and system for identifying safety concerns regarding a new drug. In one example, a database of healthcare claims is utilized and the method may include identifying from the database a first group of patients that have received the drug; extracting one or more medical events that the first group ... 10/26/06 - 20060241980 - Medical professional liability policy with independent limits of indemnification for different categories of damages A new and improved method for establishing independent limits of indemnification for different categories of damages is herein disclosed. A medical professional liability insurance policy includes a first coverage amount for damages awarded for pain and suffering and a second coverage amount for economic damages. ... 10/19/06 - 20060235731 - Content filtering within a benefits content system Described are methods and apparatus, including computer program products, for content filtering within a benefits content management the system. Benefits programs identifiers are defined within the benefits content system. A mapping rule is defined mapping one or more mapping elements into an access key. Values are retrieved for the one ... 10/19/06 - 20060235730 - Indicating a pending content change within a benefits content system Described are methods and apparatus, including computer program products, for indicating a pending content change within a benefits content system. A request to change a portion of content within the benefits content system is received. A work item is initiating in a work flow process in response to the request. ... 10/05/06 - 20060224422 - System and method for applying for insurance at a point of sale A method for applying for insurance for a product at a point of sale is described. The method comprises obtaining an appraisal for a product at a point of sale; a customer, in response to receiving the appraisal for the product at a point of sale, compensating the point of ... 10/05/06 - 20060224421 - Integrated data collection and analysis for clinical study A data collection system includes remote, implantable sensors for monitoring one or more patient parameters, collecting and processing data from those sensors and utilizing that data in the performance of a clinical study of a drug or other pharmacological agent. The system assists with preparation of a protocol for a ... 09/28/06 - 20060218023 - Single premium term life insurance A method for generating a life insurance policy comprises the step of selecting an amount of a death benefit that is payable upon the death of an individual. The method may further comprise the steps of gathering prescription drug history and comparing the prescription drug history of the individual to ... 09/28/06 - 20060218022 - Method and computerized system for reducing risk in an energy industry A method and computerized system for reducing risk actually assumed by at least one of a plurality of parties, wherein at least one of the parties supplies electric power to at least one other of the parties, and if an unplanned at least partial failure to supply the electric power ... 09/28/06 - 20060218021 - Insurance premium rate setting support system An insurance premium rate setting support system is composed of a computer and includes: a probability-increase/strong-influence location coefficient setting section which sets a probability-increase/strong-influence location coefficient by obtaining the coefficient based on a predetermined function; and an earthquake insurance premium rate computation section which computes an insurance premium rate where ... 09/28/06 - 20060218020 - Products and services insurance security method, product and system, and method of conducting business The present invention provides a method, product and system for insuring the cost and/or replacement of goods and/or services purchased and/or acquired by way of wireline or wireless telephone devices, or through an Internet web site, and for use of said goods and/or services in or with said telephone devices. ... 09/28/06 - 20060218019 - Collaborative risk sharing methods and related products Collaborative risk sharing methods and related products are disclosed. According to one method, first and second entities can agree to share different risks associated with occurrences of first and second events, respectively. First and second probabilities of an occurrence the first and second events, respectively, can be determined. Further, the ... 09/28/06 - 20060218018 - Interactive information management system and method A system and method are provided for interactively managing information using a web site with submitter and receiver sides. A submitter provides information in connection with a transaction, such as processing an insurance claim. The information can be grouped in predetermined categories. The information recipient, such as a claims adjuster ... 09/28/06 - 20060218017 - Insurance claim association method and apparatus A computer-based insurance claim processing system (500) provides for the formation and segregated storage of associations (510) that link various active insurance claims (506) to one another. In addition, if desired, the associations can comprise additional information regarding, for example, the nature or type of association and/or other information as ... 09/28/06 - 20060218016 - Method and system for archiving medical device compliance documents A method and system for archiving medical device compliance documents are provided. In one embodiment, a method and system are described for generating a plurality of compliance documents for a medical device, providing the plurality of compliance documents to a storage device accessible over a network, and storing the plurality ... 09/21/06 - 20060212318 - Systems & methods for pharmacy reimbursement claim resubmission Systems, and methods for reimbursing prescription fulfillment that includes identifying a drug associated with a claim submitted by a pharmacy for reimbursement by a payer (e.g., insurance carrier) and identifying a change in a manufacturer set price associated with the drug. The invention includes monitoring reimbursed claims received from at ... 09/14/06 - 20060206362 - Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase are disclosed. A user at a client device, such as a personal computer connected to the Internet, receives a plurality of business insurance quotes with minimal data input requirements. A plurality of insurance carriers are narrowed ... 08/24/06 - 20060190305 - Method and system for providing insurance A system and method for providing insurance to an individual who has deposited a body tissue or organ in a depository of such organs or tissues, for example, umbilical cord-blood or blood from another source, foreskin or other skin, lymph, fetal stem cells, adult stem cells, lymph or sperm, involves ... 08/24/06 - 20060190304 - Casualty insurance service system for computers and related equipments A casualty insurance service system for a specific computer and related equipment is provided, in which a maintenance contract regarding the computer or related equipment is adopted as an insurance contract, and service for the insurance contract is at least broken down to a client insurance service offered on a ... 08/17/06 - 20060184397 - Health care patient benefits eligibility research system and business method The software of the present invention provides a means for creating a file of unpaid claims for a service provider. The software is used to create one or more queries to compare information in the file of claims against records in a benefit provider's database to determine the eligibility status ... 08/17/06 - 20060184396 - System and method for surgical navigation A surgical intervention data base includes major systems including a navigational system, an interventional system, a billing system and an on-line authorization system. The navigational system includes sub-systems that provide communication between the major systems to enable registration of data sets, image displays and billing capabilities for services rendered. Further, ... 08/10/06 - 20060178915 - Mass customization for management of healthcare A healthcare mass customization infrastructure individualizes plan designs by incorporating demographics, income, drug history, medical history, lab values, and future genomic information for appropriate and affordable access to medications. The mass customization infrastructure results in quality outcomes for the patients, improved care and productivity for the providers, and lower medical ... 08/03/06 - 20060173720 - Methods and apparatus for securitizing insurance, reinsurance, and retrocessional risk A method and apparatus of securitizing insurance, reinsurance and retrocession risk is provided. The system provides a vehicle whereby investors may directly participate in such risk. The system includes establishing a limited-life business entity. Capital is raised through the sale of common and/or preferred shares in the business entity. The ... 07/20/06 - 20060161463 - Method and system for in-process tracking of an operation A method and system for capturing, monitoring, tracking, displaying, and/or reporting events and discrete information during an operation to enable managers to better understand and manage the in-process activities of the operation. Data derived from events and discrete information from heterogeneous applications is used to populate a central database which ... 07/20/06 - 20060161462 - Method and apparatus for collecting inventory information for insurance purposes A method and appartus for automatically gathering data about assets of a data center for use in assessing risks in writing insurance policies. The method uses collection servers coupled to the network or networks of the data center. The collection servers are informed of the IP address range and ping ... 07/20/06 - 20060161461 - Systems and methods for long-term health care with immediate and ongoing health care maintenance benefits Methods and systems related to long-term health care insurance. Long-term health care insurance policies are priced by stratifying potential purchasers according to risk factors which are explored during the underwriting process. In addition to coverage for long-term care, immediate health care benefits are provided to the purchasers in the form ... 07/13/06 - 20060155590 - Lifestyle protection insurance An insurance product for protecting a wage earner against a reduction in compensation resulting from an event such as involuntary dismissal from employment or military service activation, and subsequent reemployment at a reduced compensation. An insurance product may elect to recover a vesting percentage of paid premiums or to convert ... 07/13/06 - 20060155589 - Portable vital signs measurement instrument and method of use thereof The invention is a portable vital signs measurement instrument, systems and methods that provide a variety of measurement capabilities, including blood pressure, temperature, pulse oximetry, and other indications of patient status. The instrument, systems and methods include the ability to communicate wirelessly, for example using Wi-Fi (IEEE 802.11B), with a ... 07/13/06 - 20060155588 - Insuring a negative non-monetary utility A computer-based method that includes specifying an arbitrary negative non-monetary utility that will be incurred by a beneficiary of insurance as a result of an uncertain occurrence to be covered by the insurance, using a computer to set a premium for insuring the specified arbitrary negative non-monetary utility, the premium ... 07/13/06 - 20060155587 - Business methods, design In compliance with 37CRF 1.72(b) the overall Business Method Design is to equip every vehicle insured, with the most safety factors available to prevent accidents, prevent thefts, and maintain the highest level of maintenance to every vehicle, so that efficiency and emissions always comply to EPA Rules and Regulations. In ... 07/13/06 - 20060155586 - Insurance plan A list of people committed to donating their own organs, in the event of their own death, to other people on the list of people. A person on the list is a committed organ donor and would receive priority over persons not on the list in receiving an organ transplant ... 07/06/06 - 20060149604 - Custom and collaborative risk assessment templates and associated methods of use The present invention provides generally computerized custom and collaborative risk assessment templates for use in litigation risk assessment and the like. More specifically, the present invention provides computerized custom and collaborative risk assessment templates that present one or more users with a plurality of questions that are used to create ... 07/06/06 - 20060149603 - Method and system for determining healthcare eligibility A method for determining healthcare insurance coverage eligibility is disclosed. The method includes receiving patient information at a terminal operated by a healthcare provider. An eligibility authorization request message is created, and is sent to an acquirer processor, where the acquirer processor sends the eligibility authorization request message to a ... 06/29/06 - 20060143056 - Method and apparatus for insuring multiple unit dwellings A method and apparatus for insuring the owner of an apartment or multi-unit dwelling from damage to his building caused by his tenant's unintentional acts comprising: inputting into a computer processor a database of building physical information, occupancy information, and tenant rental information; inputting into the computer processor an insurance ... 06/29/06 - 20060143055 - Method for increasing liquid assets available to at least partially fund living expenses at an assisted living facility A method for increasing liquid assets available to an individual to at least partially find living expenses of the individual at an assisted living facility includes consulting with the individual to identify whether the individual owns a life insurance policy and, if he or she does, advising the individual as ... 06/29/06 - 20060143054 - Method and apparatus for insuring multiple unit dwellings A method and apparatus for insuring both the owner and tenants within an apartment or multi-unit dwelling comprising: inputting into a computer processor a database of building physical information, occupancy information, and tenant rental information; inputting into the computer processor an insurance qualification program for tenant insurance covering both the ... 06/29/06 - 20060143053 - Insurance product An insurance product, a method of insuring an article and an a method of compensating an insured person. The insured article is, in particular, a vehicle, motor bike or boat. An insurance product is provided comprising a policy whereby the insurer undertakes to compensate an insured person for a loss ... 06/22/06 - 20060136274 - System, method, and apparatus for providing a single-entry and multiple company interface (semci) for insurance applications and underwriting and management thereof A system, method, and apparatus provides a real-time single-entry, multiple company interface (SEMCI) that allows users to complete applications via in an automated and efficient manner. data is collected in standard forms and stored in a database managed by a Managing General Agency (MGA). Underwriting personnel at the MGA can ... 06/22/06 - 20060136273 - Method and system for estimating insurance loss reserves and confidence intervals using insurance policy and claim level detail predictive modeling A computerized system and method for estimating insurance loss reserves and confidence intervals using insurance policy and claim level detail predictive modeling. Predictive models are applied to historical loss, premium and other insurer data, as well as external data, at the level of policy detail to predict ultimate losses and ... 06/15/06 - 20060129436 - Method of reducing employer health related costs while promoting employee wellness and health benefit plan strategy for same In an effort to reduce employer health insurance related costs, at least one benefit under a health benefit plan is conditional on the employee voluntarily participating in a wellness program. The wellness program could include wellness categories such as a tobacco free category, normal blood pressure category, regular exercise category, ... 06/08/06 - 20060122871 - Methods and systems for providing gmwb hedging and gmdb reinsurance In one aspect, the invention comprises computer processors operable to identify a block of idealized policies, computer processors operable to calculate risk related to the block of idealized policies based on specified actuarial assumptions; and computer processors operable to provide a customized option designed to pay guaranteed minimum withdrawal benefits ... 06/01/06 - 20060116915 - Blanket insurance method and policy for insuring multiple unit dwellings A blanket insurance method and policy for insuring the owner of an apartment or multi-unit dwelling from damage to his building caused by his tenant's unintentional acts comprising: inputting into a computer processor a database of building physical information, occupancy information, and tenant rental information; inputting into the computer processor ... 06/01/06 - 20060116914 - Method and system of identifying available reserve and subrogation funds for workers' compensation insurance carriers A method and system to allow workers' compensation carriers to identify reserve and subrogation funds that are available due to unreported settlements or other resolutions of third party claims filed by a workers' compensation claimant. The method includes the steps of selecting pre-defined categories of workers' compensation claims to review ... 06/01/06 - 20060116913 - System, method, and computer program product for processing a claim A system, method, and computer program product for processing a claim are described. The system may include at least one intake site, a plurality of reviewers, one or more service providers, a bill payer and a claim process engine that may all be coupled to a network. In accordance with ... 06/01/06 - 20060116912 - Managing account-holder information using policies Methods, systems, and machine-readable mediums are disclosed for managing account-holder information using policies. In one embodiment, the method comprises receiving service agreement information for an account-holder and generating a policy using the service agreement information. The policy includes a logical combination of one or more conditions to be satisfied and ... 06/01/06 - 20060116911 - Method for providing a disease management service The present invention generally relates to the field of medical services and more specifically to the area of chronic disease management. It comprises a new method for providing a disease management service which utilizes nurse practitioners to engage in regularly scheduled virtual evaluation and management “office visits” with patients, using ... 05/25/06 - 20060111949 - Premium financing method and loan product using life insurance policies and method for administering same A premium financing method and a non-recourse loan product using life insurance policy as only collateral for a non-recourse loan. The proceed of the non-recourse loan being used to pay the premium of the life insurance policy. The non-recourse loan product can use a new or an existing life insurance ... 05/25/06 - 20060111948 - Verbal ordering system A verbal physician ordering system authenticates identity of the physician and enables caregivers and physicians to coordinate their activities in treating patients. Such authentication is realized electronically by telephone, datalink password and/or PIN, voice print authorization, or otherwise. In this way, the physician can exercise medical authority remotely, have the ... 05/25/06 - 20060111947 - Business method for profitably and continually determining the identity of those who have failed to maintain insurance A business method 200 which may use an apparatus 10 to profitably and continually determine the identity of those within a predetermined group of individuals who lack required or desired insurance. ... 05/25/06 - 20060111946 - Program for alternative funding of employee and retiree benefits An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract is purchased with assets from the trust account ... 05/25/06 - 20060111945 - Method and system for tracking real estate transactions A method and system is provided for tracking real estate transactions via the Internet and other networked devices. The method includes the steps of receiving and storing in a computerized database initial data inputs from buyers, sellers, and real estate agents and other vendors relating to identifiable pieces of real ... 05/18/06 - 20060106653 - Reimbursement claim processing simulation and optimization system for healthcare and other use A system permits a healthcare provider to perform flexible, efficient, and timely multiple analyses of managed care organization (MCO) contracts, over a large database of historical information, to provide associated profitability information. An interface processor receives data representing multiple, different financial claims for reimbursement based on multiple, different predetermined reimbursement ... 05/18/06 - 20060106652 - Graphic driven moving personal property tracking system and method A graphic driven moving personal property tracking system that enables the company to monitor and track its customer's personal property during transport and to identify the various parties in the chain of custody. The system uses a hand held device that enables the packing company to accurately inventory and record ... 05/18/06 - 20060106651 - Insurance claim monitoring Automated generation and output of customized reports based on the insurance claim records of insured persons. Insurance carriers can automatically obtain customized reports for use in monitoring insured persons' insurance claim records for previously-unavailable claim information. Each insured person can be insured on a recently-executed insurance policy of an insurance ... 05/18/06 - 20060106650 - Insurance claim payment card system A system for the adjudication of insurance claims, such as automobile repair claims, by an insurance provider is provided. A claim submitted by a policyholder is received is received by the insurance provider. The claim is assigned to an insurance adjuster. The insurance provider receives a determination of a dollar ... 05/11/06 - 20060100913 - Method and system for insurance portfolio analysis A system and method for insurance portfolio analysis is provided. More specifically, a web based system is disclosed for managing user sessions over the Internet. The user can provide data relating to present and proposed insurance policies and receive access to a summary and various comparison graphs. ... 05/11/06 - 20060100912 - Real-time insurance policy underwriting and risk management Provided is a technique for evaluating risk associated with underwriting an insurance policy (FIG. 1). At least one location to be covered under the insurance policy is received (FIG. 3, block 320). Risk associated with the location is automatically assessed (FIG. 3, block 338). It is determined whether to underwrite ... 05/11/06 - 20060100911 - Health insurance for their own employees at and by companies, manufacturers, enterprises, organizations, agencies Health insurance enterprising policy leads to increase an additional income channel from their own employees at and by enterprises, manufacturers, companies, organizations, agencies besides their original business lines. It simplifies business network to be a project of neither investment capital nor competitor to benefit enterprises in their developing fields at ... 05/04/06 - 20060095305 - Insurance coverage verification Automated generation of reports based on insurance coverage of youthful drivers. Insurance carriers can automatically obtain, at appropriate times, customized reports for use in monitoring insurance coverage of youthful drivers. The youthful drivers can be newly-licensed persons who reside with insured persons. The reports can indicate whether the youthful drivers ... 05/04/06 - 20060095304 - Evaluating risk of insuring an individual based on timely assessment of motor vehicle records Automated generation of reports based on insured persons' motor vehicle records. Insurance carriers can automatically obtain, at appropriate times, customized reports for use in monitoring and assessing insured persons. Incident data regarding the insured persons' motor vehicle records is received and translated, according to the insurance carriers' pre-set designations, into ... 05/04/06 - 20060095303 - Method and apparatus for a generic mechanism for adjudication of claims in a claims processing system A method and system for a generic mechanism for adjudication of claims in a claims processing system. The generic mechanism comprises a Web services module, a Web portal, a batch loader, a claim database, and an interface engine. The Web services module, the Web portal, and the batch loader are ... 05/04/06 - 20060095302 - System and method for processing work products for vehicles via the world wide web A method and system for receiving data relating to an insurance claim for a damaged vehicle and transmitting a valuation report for the damaged vehicle over the world wide web. The system includes a client computer and a web server that are coupled through an electronic communication network such as ... 05/04/06 - 20060095301 - System and method for the assessment, pricing, and provisioning of distance-based vehicle insurance A system and method for assessing, pricing, and provisioning distance-based vehicle insurance are provided. In one example, the method receives identification information of a customer and an associated vehicle, and a current odometer reading. Multiple coverage types are provided to the customer, as is at least one quote when the ... 04/27/06 - 20060089862 - System and method for modeling benefits Data of one or more individuals associated with a benefit plan are analyzed. The data can include information about benefits provided to the one or more individuals under the benefit plan, such as a medical benefit plan, a prescription benefit plan, or a retirement benefit plan. One or more expenses ... 04/27/06 - 20060089861 - Survey based risk assessment for processes, entities and enterprise An audit system creates, deploys, and analyzes surveys to perform risk assessment. Surveys can be associated with one or more contexts, which include an enterprise, an organization, a business process, a risk, a control, or any combination thereof. The audit system generates survey questionnaires for a context automatically using a ... 04/27/06 - 20060089860 - System and method for creating a favorable risk pool for portability and conversion life insurance programs A method of providing portability and conversion life insurance plans to departing employees is disclosed. The method comprises the steps of establishing risk parameters for pricing an insurance policy, collecting data regarding a departing employee's individual risk level upon termination of employment, assigning the departing employee a rating based on ... 04/20/06 - 20060085231 - Method and system for distribution and payment for pharmaceuticals The method involves the distribution of cards in connection with a program being administered. The cards are preferably, but not necessarily, in the form of a standard debit card issued through a standard network, such as VISA. In addition to any debit card indicia, the cards have on them the ... 04/20/06 - 20060085230 - Methods and systems for healthcare assessment Certain embodiments provide methods and systems by which a predictive modeling provider may provide a client with predictive healthcare analysis. The predictive healthcare analysis may be used to assess whether a beneficiary is likely to develop conditions requiring healthcare. If such conditions are identified, intervention plans are developed and implemented ... 04/13/06 - 20060080155 - Method and apparatus for insuring multiple unit dwellings A method and apparatus for insuring the owner of an apartment or multi-unit dwelling from damage to his building caused by his tenant's unintentional acts comprising: inputting into a computer processor a database of building physical information, occupancy information, and tenant rental information; inputting into the computer processor an insurance ... 04/13/06 - 20060080154 - Method of verifying insurance claims A method of evidencing loss or damage an under a policy of insurance provided by an insurer to an insurance policy holder is disclosed. The policy provides insurance against loss of or damage to one or more insured properties. The method includes providing an insurance policy holder with a claim ... 04/13/06 - 20060080153 - Health care system and method for operating a health care system A health care system includes a data warehouse for accumulating data regarding laboratory test results, health care provider claims, pharmacy claims, supplemental information and immunization records. The data is then analyzed by a fact warehouse. The fact warehouse uses rule engines to analyze the data and determine certain facts regarding ... 04/06/06 - 20060074724 - Method and apparatus for bundling insurance coverages in order to gain a pricing advantage A method for reducing the lapse rate of a first insurance policy comprises the step of offering to sell a rider to said first insurance policy, said rider comprising benefit features, said benefit features configured such that the combination of said rider and said first insurance policy has a higher ... 04/06/06 - 20060074723 - Ebcl solution When anyone takes out a loan, that person should have the option to give permission to have his/her functional organs sold in the event of his/her death to pay off his/her debt in the event that such debt would be a burden to his/her loved ones/next of kin. ... 03/23/06 - 20060064332 - Health cost calculator/flexible spending account calculator A method and system of providing comparative cost information for health insurance plans. Claims files are generated for the reference population of real historical patients for each the plans. Information is presented to users on the distribution of out-of-pocket costs for health care that users are likely to incur in ... 03/23/06 - 20060064331 - Insurance premium refund incentive program The present invention is an insurance premium refund incentive program for consumers. Under the program, a portion of the premium, known as a “premium deposit”, typically a percentage of the premium, is received by the insurance company from the insured consumer, and held on behalf of the insured by the ... 03/23/06 - 20060064330 - insurance contract support system To attain the object as described above, the insurance contract support system of the invention comprises a management device 2 to which each of terminal devices 3 are connected through a network 4. The management device 2 stores insurance-related information relevant to insurance sales and acquires terminal discriminating information of ... 03/16/06 - 20060059022 - Method and system for determining absorption costs for transfers between a plurality of cost groups Embodiments of the present invention are directed to a method for determining absorption costs for transfers between a plurality of cost groups. In one embodiment, a transferable item is identified. A plurality of cost group sets among which the transferable item is transferred is then defined. Then, a processing sequence ... 03/16/06 - 20060059021 - Independent adjuster advisor In various embodiments, assignments may be managed between a user system and a computer system. For example, insurance companies may manage assignments made to adjusters. Assignments may be assigned to vendors. Vendors may access an assignment program and transmit billing information and/or transmit reports to a computer system about assigned ... 03/16/06 - 20060059020 - Return-of-premium insurance system and method An insurance method comprising a return-of-premium (ROP) benefit is disclosed. The ROP benefit is applied to property and casualty insurance and related insurance forms. The ROP benefit provides a return of all premiums after a set period of insurance, less the amount of any claims made by the insured. The ... 03/09/06 - 20060053038 - Calculation of driver score based on vehicle operation The monitored use of a vehicle provides accurate and reliable data that can be used to determine the insurable risk of a vehicle operator. What is disclosed is a system and method for monitoring vehicle operation and using the collected data to calculate a driver score. The driver score can ... 03/09/06 - 20060053037 - System for searching and solving for insurance products A system for evaluating and scoring software products in which illustration engines relating to insurance products are run based on a common set of inputs. The illustration engines output a set of output metrics which are common to all illustration engines. The output metrics of products selected for comparison or ... 03/02/06 - 20060047540 - System and method for underwriting In various embodiments, a user may graphically create and/or modify underwriting rules. The underwriting rules may be automatically executed by a computer system. Insurance information or insurance underwriting data stored on a database or received via an XML message may be processed automatically by the underwriting rules. Insurance claims or ... 03/02/06 - 20060047539 - Healthcare administration transaction method and system for the same A healthcare transaction method, comprising: providing a healthcare worker access to a remote central server through a user interface, and providing a payer connection to the server; receiving information from the healthcare professional through the user interface; and providing the healthcare worker automated claim assessment, claim optimization, and claim submission ... 02/23/06 - 20060041455 - Systems and methods for providing an enhanced option rider to an insurance policy In one aspect, the invention comprises a computer system for providing a life insurance policy with an enhanced option rider, comprising: an electronic database operable to store data related to policyholders and policy terms; and an insurance administration computer, in communication with the database, for administering the policy; wherein the ... 02/23/06 - 20060041454 - Data processing system for accurately calculating a policyholder's discount in a medical insurance plan and a method therefor A data processing system for accurately calculating a discount in a medical insurance plan comprises a premiums module adapted to access data regarding the amount of premiums paid by a policyholder of the medical insurance plan for a predetermined period. A claims module is adapted to access data regarding the ... 02/23/06 - 20060041453 - Maximization of a hedged investment budget for an index-linked insurance product An index-linked insurance product having an annual guarantee is implemented having a maximized hedged investment budget. A net premium payment is allocated to a fixed income investment and an annual fixed income yield is projected. The maximized hedged investment budget is determined by deducting from the projected annual fixed income ... 02/16/06 - 20060036473 - Gps mobil equipment insurance method, apparatus, and product A GPS Mobil Equipment Insurance Method, Apparatus and Insurance Product for mobile equipment adapted with GPS systems comprising: inputting into a computer processor a database of mobile equipment adapted with GPS systems from all GPS manufacturers within a geographical area, including data containing, but not limited to the name of ... 02/09/06 - 20060031104 - System and method for optimizing insurance estimates A method for optimizing insurance estimates for an insurance plan includes ascertaining the number of insured units to be covered by the plan, and obtaining premium quotes from an insurance carrier, the premium quotes corresponding to the number of insured units and to a plurality of cap levels of the ... 02/09/06 - 20060031103 - Systems and methods for diagram data collection In some embodiments, information for determining fault may be entered into a computer system for determining fault in a vehicle accident. In some embodiments, a screen or multiple screens may be used to prompt a user for information. A display of certain aspects of the accident (e.g., vehicle representations, roadway ... 02/02/06 - 20060026045 - Method for providing an income for, or a financial benefit to an individual who loses any or all income, or loses the potential for any or all income, resulting from the necessary and/or voluntary care of another individual who is ill, injured, disabled, A method for providing an income for, or a financial benefit to an individual who loses any or all income, or loses the potential for any or all income, resulting from the necessary and/or voluntary care of another individual who is ill, injured, disabled, diseased, or otherwise incapacitated; with an ... 02/02/06 - 20060026044 - Electronic content insurance system A method of managing risk in an electronic content insurance system includes an electronic actuarial agent detecting a risk factor present in a computing environment. The method continues with the electronic actuarial agent assigning a probability that the risk factor will be a cause of a loss of a content ... 01/26/06 - 20060020495 - Healthcare claims processing mechanism for a transaction system A structured healthcare claims processing mechanism for use with funded accounts (e.g., healthcare reimbursement arrangements, healthcare savings accounts and flexible spending accounts) is disclosed, including a claims processing mechanism, a registration mechanism, a claim submission mechanism, a payment mechanism and an insurance submission mechanism. ... 01/19/06 - 20060015374 - Risk management on the application of crop inputs A system and method for managing a crop insurance program facilitates determining an input management plan for application of a crop input to a field within a defined geographic area. A first yield per land unit is measured. The first yield per land unit pertains to a particular crop associated ... 01/19/06 - 20060015373 - System and method for automated establishment of experience ratings and/or risk reserves System and method for automated experience rating and/or loss reserving for events, a certain event Pi,f of an initial year i including development values Pikf with development year k. For i, k applicable is i=1, . . . , K and k=1, . . . , K, K being the ... 01/12/06 - 20060010016 - System and method for reconciling an insurance payment with an insurance claim Disclosed herein is a method for reconciling an insurance payment to an entity, such as a pharmacy, with an insurance claim made by the entity. Some embodiments of the method comprise providing a claim value belonging to a set of claim values, providing a claim identification value associated with the ... 01/05/06 - 20060004612 - Systems and methods for configuring and processing insurance information Methods and systems are provided for attaching a note to an insurance policy or claim. In some embodiments, an icon next to a part of an insurance policy may indicate whether a note has been attached. In some embodiments, a note may be attached, or a note may be read, ... 12/29/05 - 20050288972 - Direct connectivity system for healthcare administrative transactions A direct connectivity system provides automated healthcare administrative transaction submission, including claim submission, eligibility verification and claim status, from healthcare service providers directly to payers. The direct connectivity system bypasses transaction processing intermediaries such as clearinghouses by directly connecting providers to payers in a many to many manner. Existing single ... 12/29/05 - 20050288971 - Critical illness insurance product and system for administering same The present systems and methods enable an insurance underwriter to offer group term specified disease coverage. Such policies can provide lump-sum benefits for occurrences of conditions that are covered under the policy. In particular, coverages can be provided for specified diseases such as: (1) various forms of cancer; (2) heart ... 12/29/05 - 20050288970 - Automobile insurance during military deployment A method of allocating an insurance benefit to qualified military personnel is provided for military personnel that are deployed for overseas or long distance duty and who have stored a personal vehicle on an approved storage lot for the duration of the deployment. ... 12/29/05 - 20050288969 - Warranty for a security A method for warranting a security comprises the steps of obtaining a security and purchasing a warranty policy for warranting against a change in the value of the security. A system for warranting a security is also disclosed. ... 12/29/05 - 20050288968 - Method and system for evaluating a cost for health care coverage for an entity A method for evaluating a cost payable by an entity to secure a specific health care coverage. The method includes the steps of: obtaining starting information relative to at least one health-related attribute for the entity; based on the starting information, making an initial health risk assessment for the entity; ... 12/22/05 - 20050283388 - System and method for automotive liability insurance verification A system and method for the real time verification of automobile liability insurance using multiple interconnected computer systems providing insurance verification to one or more validated users. The system utilizes user validation and indirect routing to both find and to protect the data source location. The system contains fraud prevention ... 12/15/05 - 20050278200 - Method, system and program product supporting insurance-funded end-of-lifetime activities for a facility An insurance policy funds end-of-lifetime activities for a non-human facility at an end of a lifetime of the facility with a policy benefit whose amount is based upon growth of a premium. ... 12/15/05 - 20050278199 - Auction insurance system A system determines insurance parameters for insuring online auctions. The insurance parameters may be based on predicted auction results. An insurance policy reflecting the insurance parameters may be offered to an online auction buyer, seller, or other market participant. The insurance policy may insure, for example, that an item for ... 12/15/05 - 20050278198 - Methods and systems for managing a portfolio of insurance products A method for managing a portfolio of insurance products is provided. The method uses a computer system coupled to a database. The database has data relating to insurance products stored therein. The data relates to at least one of premiums, commissions, insurance policies, reinsurance policies, contracts, policy limits, claims, and ... 12/08/05 - 20050273371 - Providing termination benefits for employees A computer-based method for pricing and managing an insurance product under which an insurer will provide termination benefits to employees who are non-voluntarily terminated from employment by an employer. The product reduces adverse selection risks and durational risks associated with periods of unemployment. ... 12/08/05 - 20050273370 - System and method for determining risk management solutions A particular healthcare provider's medico-legal risk relative to other healthcare providers practicing in the same field as the particular healthcare provider is determined by: acquiring information about the particular healthcare provider; and processing the acquired information to generate a medico-legal risk score for the particular healthcare provider. The medico-legal risk ... 12/08/05 - 20050273369 - Recall support system, recall support method, and programs therefor A recall support system to present a plurality of recall countermeasures different in conditions and also costs and numbers of days required for implementing the countermeasures. The system comprises a product attribute acquiring section that acquires complaint information associated with the occurrence of a problem in a product from an ... 12/08/05 - 20050273368 - System and method for capturing an image In various embodiments, a user may communicate with an insurance claim processing system. A user may access insurance claims or policies and the Internet. A user may capture an image of a website. A user system may link the image with one or more identifiers. The image may be transmitted ... 12/01/05 - 20050267785 - Survival risk insurance Survival risk insurance is a method of transferring the financial consequences associated with the risk that deaths occurring within a specified period of time in a selected group of insured lives will be less in number than the expected number of deaths or less in amount than the expected amount ... 12/01/05 - 20050267784 - Pharmacy personal care account A method for providing insurance coverage to a subscriber comprises offering an insurance policy to said subscriber wherein said insurance policy comprises providing allowances to pay for one or more expenses covered by said insurance policy and providing monetary credits to said subscriber for any unused portion of a given ... 12/01/05 - 20050267783 - Method and computerized system for reducing risk in an energy industry A method and computerized system for reducing risk actually assumed by at least one of a plurality of parties, wherein at least one of the parties supplies electric power to at least one other of the parties, and if an unplanned at least partial failure to supply the electric power ... 11/24/05 - 20050261944 - Method and apparatus for detecting the erroneous processing and adjudication of health care claims An automated data processing systems and associated method for detecting and reporting the erroneous processing and adjudication of heath care claims and resulting payments made to a heath care provider by one or more third parties, such as medical insurance companies. A rules engine applies business logic to compare an ... 11/24/05 - 20050261943 - Method, system, and service for quantifying network risk to price insurance premiums and bonds The invention broadly comprises a method for determining financial loss related to performance of an internetwork. The method correlates input information regarding performance of an internetwork to operations of a financial entity underwriting insurance premiums and bonds and translates the correlated input information into at least one operational risk for ... 11/17/05 - 20050256748 - Method of managing a life insurance policy and a system therefor The invention relates to a method of managing a life insurance policy in which the life insurer receives a premium from an insured life and wherein if the insured life suffers an insured event, the life insurer pays a predetermined sum assured to the insured life or a beneficiary nominated ... 11/17/05 - 20050256747 - System and method for underwriting payment processing risk A method, using a computer system, for underwriting the risk of non-payment associated with processing non-cash payments on behalf of a merchant by managing balances in pledged collateral accounts owned by one or a plurality of underwriters. The invention determines the initial amount of required collateral, in total and for ... 11/10/05 - 20050251429 - Health care claim status transaction system and method A system (200) and method (400) for automatically handling health care claim status requests (228) and responses (232). The system includes a health care software application (246) that provides patient invoice functionality relating to health care claims submitted to various payers (216), e.g., insurance companies. A claim status transaction software ... 11/10/05 - 20050251428 - Method and system for providing healthcare insurance A method and system for providing healthcare benefits according to the present invention may include a proposed healthcare plan having a primary component, a supplemental component, and a procedure for optimizing services consumption which is presented and customized “on-the-fly” to benefits providers, such as employers, and administered in an efficient ... 11/10/05 - 20050251427 - Rapid business support of insured property using image analysis A method of providing rapid business support of insured property using image analysis can include the step of receiving at least one digital image of damaged property. Damage can be automatically accessed for insurance purposes based upon the received images. An incident response can be automatically determined based at least ... 11/03/05 - 20050246207 - Method for risk based testing The invention relates to a risk based testing method. The risk based testing method comprises defining a process or system to be tested, identifying a plurality of risks associated with the process or system, quantifying each of the risks with a risk value, defining a test plan for the process ... 11/03/05 - 20050246206 - System and method for performing reinspection in insurance claim processing A system and method for performing insurance claim reinspections is disclosed. The system includes an insurance company computer in communication with a communications server, at least one remote terminal in communication with the communications server, and an insurance claim workfile having a loss estimate section, an appraisal section and a ... 10/27/05 - 20050240451 - System and method for generating a customized proposal in the development of insurance plans A method for generating a customized proposal in the development of insurance plans for a customer is provided. Customer data is stored within a database in a computer system. This database has stored insurance plan products. A description of insurance plan options available to the customer is displayed on a ... 10/27/05 - 20050240450 - Insurance policy with limit on number of claims indemnified A new and improved insurance policy with a limit on the number of claims indemnified is herein disclosed. An insurance policy includes a limitation clause, wherein the policy is limited if more than a specified number of claims occur, incidents reported, or losses paid, wherein at least one limitation in ... 10/27/05 - 20050240449 - Method of managing a life insurance policy with a related medical scheme A method of managing the business of a life insurance scheme of the kind in which a life insurer receives life insurance premiums from an insured life and pays a predetermined sum to the insured life on the occurrence of an insured event. The life insurance scheme is linked to ... 10/27/05 - 20050240448 - System and method for insuring an entity against tenant default with respect to an income-producing property According to one aspect of the present invention, a method is provided for insuring an entity with respect to an income-producing property including at least one tenant paying rent to the entity. In accordance with the method of this aspect, a policy is provided to an entity, where the policy ... 10/27/05 - 20050240447 - System and method for automated extraction and display of past health care use to aid in predicting future health status The present invention relates to a system and method for automated extraction and display of past health care use to aid in predicting future health status. A system and method that converts raw medical and pharmacy claims data into Hierarchical Major Clinical Condition (HMCC) and Place of Treatment (POT) time-series ... 10/20/05 - 20050234747 - System for funding, analyzing and managing life insurance policies funded with annuities The invention relates to a program that administers a method of funding life insurance policies using annuities that are purchased at least in part using borrowed money, using business and trust structures to reduce and/or eliminate tax. This investing can be done either directly by the policy or through the ... 10/13/05 - 20050228701 - Method for optimizing state guarantee fund coverage for insurance transactions A new and improved method for optimizing state guarantee fund coverage for insurance transactions is herein disclosed. An insurance product includes at least two primary insurance policies written on a quota share basis, the policies having a combined coverage value, the percentage of the combined coverage value covered by each ... 10/13/05 - 20050228700 - Method and system for settling a patient's medical claim A method and system for settling a patient medical claim from a healthcare provider. Medical claim information is received from the healthcare provider by an administrator on behalf of the patient's insurance company. A first monetary amount owed to the healthcare provider and a second monetary amount owed to the ... 10/13/05 - 20050228699 - Cost projections for diagnoses Techniques for projecting costs for diagnoses. Past claims data and a set of different multiplying factors are used to arrive at a more accurate cost projection. Example multipliers include a claim lag factor, a trend adjustment, a prescription cost factor, and a disenrollee factor. ... 10/06/05 - 20050222878 - Method of managing the business of a medical scheme The present invention relates to a method of managing the business of a medical scheme wherein the provider of such medical scheme undertakes liability in return for a premium or contribution, and provides to members who pay such premiums or make such contributions, relevant health services, and/or assistance in defraying ... 10/06/05 - 20050222877 - Method of managing the business of a medical scheme The present invention relates to a method of managing the business of a medical scheme wherein the provider of such medical scheme undertakes liability in return for a premium or contribution, and provides to members who pay such premiums or make such contributions, relevant health services, and/or assistance in defraying ... 09/29/05 - 20050216316 - Capital market products including spia securitized life settlement bonds and methods of issuing, servicing and redeeming same Disclosed are novel capital market products, e.g. bonds, equities and like, employing a life settlement policy pool as collateral against repayment of principal. One embodiment is a securitized life settlement bond collateralized by a pool of about 800 senior life settlement policies each bearing death benefits expected to mature within ... 09/29/05 - 20050216315 - Loan advancing system A system advances loans secured by healthcare claims based on clinical and financial information associated with the claims. A loan advance system employs healthcare claim information related to provision of healthcare to patients. The system includes a data acquisition processor for acquiring clinically related information associated with a healthcare claim ... 09/22/05 - 20050209894 - Systems and devices for vision protection policy A system and computing device for issuing a vision protection policy providing both a routine eye care benefit and one or more of the following benefits: (1) an eye condition benefit; (2) an eye surgery benefit; and (3) a permanent visual impairment benefit are provided. A system for processing a ... 09/22/05 - 20050209893 - System and method for identifying and servicing medically uninsured persons A system for registering, tracking the medical process, and servicing persons who do not have healthcare insurance employs a central database available to healthcare providers, employers, and the public. The system provides a number of unique advantages to healthcare providers and employers to register their uninsured patients, employees and retirees ... 09/22/05 - 20050209892 - [automated system and method for providing accurate, non-invasive insurance status verification] The present invention relates generally to automatic insurance verification, and more specifically, to a non-invasive method and system for automatically determining, by any person with computer, wireless, or telephone access and in real-time, if an insured object of value is or is not insured irrespective of insurer location, jurisdiction, language, ... 09/15/05 - 20050203781 - Vision care and protection policy A vision protection policy providing both a routine eye care benefit and one or more of the following benefits: (1) an eye condition benefit; (2) an eye surgery benefit; and (3) a permanent visual impairment benefit is provided. Methods of offering the vision protection policy, of issuing the vision protection ... 09/15/05 - 20050203780 - Method and apparatus for identifying uninsured motorists A method and apparatus for generating lists of uninsured motorists comprising: inputting into a computer processor a database of insurance, driver, and vehicle information; inputting into the computer processor a matching program; and computer translating and generating a list of uninsured motorists within a geographical area. ... 09/15/05 - 20050203779 - Business structure for providing a representation and warranty insurance for mortgage loans A business structure for offering an insurance program for entities in the mortgage industry that provides coverage for financial loss as a result of material inaccuracies in the financial information provided by or on behalf of the borrower. The insurance program preferably includes the initial insurance application and establishment of ... 09/15/05 - 20050203778 - Systems and methods for determining concentrations of exposure A system and method are provided for identifying exposure concentrations. The process of determining exposure concentrations may include organizing exposure data, defining parameters, determining elevated exposure concentrations, and providing output results. The exposure data may relate to at least geographical locations, policies, accounts, portfolios, treaties, and other exposure data. The ... 09/08/05 - 20050197866 - Preneed insurance services system The present invention provides a system, method, and computer-readable medium for providing preneed services. The preneed insurance services system includes a data processing unit, a customer data storage unit, a quote data storage unit, and an insurance data storage unit. The data processing unit receives customer information from a user ... 09/01/05 - 20050192850 - Systems and methods for using data structure language in web services In various embodiments, a user may communicate with an insurance claim processing system using a data structure language message (e.g., XML messages). After assessing (e.g., parsing) a received XML message, an insurance claim processing system may perform a calculation or an action on a database. In some embodiments, calculations may ... 09/01/05 - 20050192849 - System for facilitating life settlement transactions A system and method for buying and selling life insurance policies includes an online database for storing information concerning in-force policies as needed for evaluation by a potential buyer. Owners of policies, either directly or through agents, who might be willing to sell their policies, register with the online website ... 08/25/05 - 20050187802 - Method and system for conducting customer needs, staff development, and persona-based customer routing analysis Computer-implemented methods and systems for conducting customer needs, staff development, or persona-based call routing analyses in which a recommendation engine receives baseline information regarding a current status and one or more objectives of a subject and generates assumed information about the subject based on a statistical evaluation of current status ... 08/25/05 - 20050187801 - Method of enhancing value of pension system assets A program product, a system, and method for a trustee and a pension system, one embodiment of a program product consistent with the invention comprises program code for generating or receiving a plurality of files or a reference or references to a plurality of files that form an life insurance ... 08/25/05 - 20050187800 - Integrating defined contribution accounts into a claim payment processing system Disclosed is a system to integrate a defined contribution health plan with a traditional health plan that includes a claim processing system, a health plan management software module, and a defined contribution management software module integrated with the health plan management software module. Both the health plan management and defined ... 08/25/05 - 20050187799 - Account level participation for underwriting components An account management system has been developed that enables customer or client-related information to be stored, viewed and manipulated in a manner that reflects the relationship among different customers. The account management system includes an account data structure that defines accounts and relates customers to accounts so that the accounts ... 08/25/05 - 20050187798 - Systems and methods for providing insurance in conjunction with a data protection service An agreement is created between a first entity and a second entity under which the second entity agrees to provide data protection services for use by a third entity. An insurance agreement is also created, under which the first entity agrees to insure the third entity against losses caused by ... 08/18/05 - 20050182670 - Methods for reducing and eliminating risk exposure in life insurance transactions A method for arranging a life insurance transaction while managing risk exposure associated with the transaction is disclosed. In one embodiment, the method includes coordinating the initiation of an insurance policy that relates to the life of a person. Execution of a loan on behalf of an owner of the ... 08/18/05 - 20050182669 - Supplemental rating and financial review questionnaire The invention relates to a system and method for collecting data for use in rating systems. In a preferred embodiment, the invention includes a standardized supplemental rating and financial review questionnaire (SRQ) for completion by an insurance company. The SRQ provides detail on each insurer's business and investment risks, as ... 08/18/05 - 20050182668 - System and method for electronically creating, filing and approving applications for insurance coverage A system for electronically creating, filing and approving applications for insurance coverage comprises an application processing system, a risk information system, at least one insurer system and a plurality of agent terminals coupled by a network such as the Internet. The application processing system advantageously presents a user interface via ... 08/18/05 - 20050182667 - Systems and methods for performing data collection Systems and methods are provided for performing data collection of insurance related submitted data provided by an applicant for insurance on a submitted form. The system may comprise a data input portion that inputs the submitted form so that the submitted data on the submitted form is available to a ... 08/18/05 - 20050182666 - Method and system for electronically routing and processing information A method and system for routing and processing insurance related data. A data entry operator that receives insurance application-related documents from external sources. The data entry operator stores the documents electronically in a raw data database. A rules engine converts the documents into at least one data element having a ... 08/11/05 - 20050177401 - System and method for performing web based in-view monitoring Methods and apparatuses for performing dynamic Web-based market analysis are disclosed. A Web server presents a Web page including content to a user, via a browser located at the user's computer or workstation. The content in the Web page may be provided by third party entities that pay predetermined fees ... 08/04/05 - 20050171820 - Process for creating a financial plan for funding of college education A computer-implemented process creates a financial plan for parental funding of a student's college education. The plan includes a variable life insurance policy, a schedule of estimated college loans to be applied for by the parent for each of the years of attendance by the student, consolidation loan recommendations for ... 08/04/05 - 20050171819 - Web-based claims processing method and system A novel electronic claims coding, billing and processing method and system specially adapted for processing insurance-related claims obviates the need for prior art faxing, telephoning and mailing of insurance claim information from service providers, and for electronic systems, eliminates the need for specialized or proprietary software for service providers. Broadly, ... 07/14/05 - 20050154619 - Partner protection insurance Partner protection insurance provides coverage for an innocent spouse in the event that a defendant has to pay damages uninsured by a liability insurance policy to a plaintiff due to a judgment in a lawsuit brought by the plaintiff against the defendant. The innocent partner is in a partnership with ... 07/14/05 - 20050154618 - Environmentally hazardous substance insurance system, computer program product, and business method using insurance certificate regarding environmentally hazardous substance and results of analysis by third party A system and a computer program product calculates an insurance premium for environmentally hazardous substance insurance to compensate for damages in the case in which an environmentally hazardous substance is included, by accident, in a product of the insured party. The environmentally hazardous substance insurance system includes, as contracted party ... 07/14/05 - 20050154617 - System and method for providing global information on risks and related hedging strategies The present system provides information on risks and related hedging strategies. A plurality of client terminals are coupled to the system, for providing access to the system for accessing information on risks and related hedging strategies. A data aggregation module is configured to store financial and risk related information from ... 07/07/05 - 20050149365 - System and method for automatic conditioning of clinically related billing A system and related techniques capture and regulate the stream of billing items generated in a hospital or other clinical facility for compliance with federal Medicare or other regulatory or other guidelines. In embodiments a conditioning engine may apply rules-based logic or other filters to raw billing information derived from ... 06/30/05 - 20050144047 - Method and system for computerized insurance underwriting This invention relates generally to a computer system and method for integrating insurance policy underwriting. In one aspect it integrates the older legacy insurance policy generating systems to on line systems where users access the system through browsers. The computer system to perform the process of underwriting, rating, quoting, binding, ... 06/30/05 - 20050144046 - System and method for assisting a buyer in selecting a supplier of goods or services A method for assisting buyers in selecting a supplier of a good or service begins by receiving a price quote for the good or service from the supplier. A request is then submitted to an insurance company requesting the company to issue a policy for reimbursing the buyer for economic ... 06/30/05 - 20050144045 - System and method to reduce insurance premiums A system and method are disclosed to reduce insurance premiums for clients participating in a plan administered by an operating business entity. The method includes facilitating the establishment of a collateral account in the name of a client as part of the administered plan. The method further includes facilitating the ... 06/23/05 - 20050137915 - Credentialer/medical malpractice insurance collaboration An inventive process is disclosed for linking credentialing information with a medical malpractice insurance application. The credentialing information is automatically transferred from the credentialing questionnaire to an insurance application, and this credentialing information is then used to generate a medical malpractice insurance policy. The medical malpractice insurance policy is a ... 06/23/05 - 20050137914 - Method, computer program product, and system for calculating a premium for stop loss insurance for a fleet of vehicles A premium for stop loss insurance for a fleet of vehicles is calculated as a stop loss premium for an assumed loss distribution having only losses with a value of one of zero and maximum individual loss. The stop loss premium is calculated based on a loss frequency, a maximum ... 06/23/05 - 20050137913 - System and method for insuring against tax liabilities A product, and preferably an insurance product, whereby the product benefits reimburse the purchaser for those risks associated with a potential change in the taxation of insurance policies. Another aspect is a method to determine a benefit amount and a policy price based upon future potential changes in the tax ... 06/23/05 - 20050137912 - Systems and methods for automated classification of health insurance claims to predict claim outcome Systems, tools, and methods are provided to automatically classify health insurance claims using classification models that are trained to predict whether a health insurance claim will be accepted or rejected by a target payer, analyze why the claim will be rejected, and then target the intervention(s) needed to appropriately handle ... 06/23/05 - 20050137911 - Systems and methods for data insurance An agreement is created between a first entity and a second entity under which the second entity agrees to provide data protection services for use by a third entity. A backup copy of the third entity's data is created and maintained at a location controlled by the second entity. If ... 06/16/05 - 20050131742 - System and method for evaluating underwriting requirements A computer system and method for evaluating underwriting requirements, and for evaluating expected changes in mortality of an insurable class in response to changes in such requirements. In certain embodiments, the method and system involves storing data relating to the requirements, determining expected mortality using a first set of requirements, ... 06/09/05 - 20050125261 - Intelligent used parts cross-referencing, search and location software application Dynamically and intelligently identifying used parts and automatically locating actual used parts. A programmed computer system receiving an electronic vehicle repair estimate with a new part, type cross referencing a type of the new part in the estimate with a type of a used part, according to a used part ... 06/09/05 - 20050125260 - Method for quoting and contracting for management of inputs and services under a commercial service agreement, with a service loss guaranty or insurance policy and using an information management system A method is provided for use of an information management system to produce quotations and related information on optimized inputs and services for the production of food, feed, fiber, livestock, and the like, and to execute customized commercial service agreements including a performance guaranty or insurance policy. The system includes ... 06/09/05 - 20050125259 - 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. The unemployment insurance ... 06/02/05 - 20050119920 - Method and apparatus for automated insurance processing In one embodiment of the present invention, information about a customer is entered into an electronic system. In one embodiment, the customer is part of a low-margin market. In one embodiment, the customer's medical record comprises the customer's pharmaceutical records. In one embodiment, additional information (e.g., MIB, MVR, and/or Rx) ... 06/02/05 - 20050119919 - Risk transfer supply chain system An automated method and system (100) for supplying risk transfer products to a client company on a continual basis. After the client company provides a matrix of risk to the risk transfer supply chain, swaps and/or insurance products that provide the desired risk transfer are identified and priced. The information ... ### FreshPatents.com Support - Terms & Conditions |