公开(公告)号：US08380544B1

公开(公告)日：2013-02-19

申请号：US12364192

申请日：2009-02-02

申请人： John Chandler Hopkins, III

发明人： John Chandler Hopkins, III

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00

摘要： A “legacy life” component to a life insurance policy. An insured may protect his/her descendents by applying for a life insurance policy that provides for subsequent life insurance for the descendents as part of the death benefit provided by the life insurance policy. The “legacy life” policy may have different underwriting procedures in place and/or a lower premium than comparable coverage policies as a portion of the policy death benefit payout would be withheld to fund the descendent life insurance policy. As such, the legacy life insurance policy may produce the subsequent life insurance policy as a fully-funded derivative policy at payout. Because the original policy does not payout the full face value as a cash death benefit, the derivative policy maximizes a float for the insurance provider.

摘要翻译： 人寿保险的遗产生命部分。 被保险人可以通过申请人寿保险，为后人提供后续人寿保险，作为人寿保险所提供的死亡抚恤金的一部分来保护他/她的后裔。 遗产生活政策可能具有不同的承保程序和/或相对于可比保险政策的保险费用较低，作为政策死亡抚恤金支付的一部分将被扣留以资助后代人寿保险。 因此，遗产人寿保险可能会将随后的人寿保险作为完全资助的衍生品投资政策。 由于原始政策并没有将全面的价值作为现金死亡福利支付，所以衍生工具最大化了保险业者的浮动。

公开(公告)号：US08180655B1

公开(公告)日：2012-05-15

申请号：US11860319

申请日：2007-09-24

申请人： John Chandler Hopkins, III

发明人： John Chandler Hopkins, III

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0283 ,  G06F19/00 ,  G06Q10/10 ,  G06Q20/102 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： Apparatus and methods to process vehicle or driver behavior data are described herein. In some examples, the behavior data is used by a premium calculating engine to derive a premium for a vehicle insurance policy using the data. The behavior data may be associated with a single driver, or may be associated with all drivers of a vehicle without regard to the actual drivers, in some examples. Data received from the vehicle may also include vehicle performance data, in further examples. Additionally, a method of underwriting a dynamic vehicle insurance policy is described, in one example.

摘要翻译： 本文描述了处理车辆或驾驶者行为数据的装置和方法。 在一些示例中，高级计算引擎使用行为数据来导出使用该数据的车辆保险单的溢价。 在一些示例中，行为数据可以与单个驾驶员相关联，或者可以与车辆的所有驾驶员相关联，而不考虑实际驾驶员。 在另外的示例中，从车辆接收的数据还可以包括车辆性能数据。 另外，在一个示例中描述了一种承保动态车辆保险单的方法。

公开(公告)号：US08046301B1

公开(公告)日：2011-10-25

申请号：US11927814

申请日：2007-10-30

申请人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

发明人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q40/00

摘要： When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

公开(公告)号：US08025226B1

公开(公告)日：2011-09-27

申请号：US11861484

申请日：2007-09-26

申请人： John Chandler Hopkins, III ,  Judy Margaret Cotter

发明人： John Chandler Hopkins, III ,  Judy Margaret Cotter

IPC分类号： G07B15/02

CPC分类号： B60R25/00

摘要： A vehicle identification card is provided to an insured that includes proof of automotive insurance information and charge account information. The card may include an insurance policy covering the insured's vehicle, the VIN number of the vehicle, and other information about the vehicle such as the vehicle's make and model. The card may include account information that allows the card to be used like a credit card. The card may further include means for wirelessly updating information and providing a display to the user, which includes, but is not limited to, a housing, a memory module, a processor, one or more displays, and a power source.

摘要翻译： 向被保险人提供车辆识别卡，其中包括汽车保险信息和收费帐户信息的证明。 该卡可能包括保险范围涵盖被保险人的车辆，车辆的VIN号码，以及其他有关车辆的信息，如车辆的品牌和车型。 该卡可以包括允许卡像信用卡一样使用的帐户信息。 该卡还可以包括用于无线地更新信息并向用户提供显示的装置，其包括但不限于外壳，存储器模块，处理器，一个或多个显示器和电源。

公开(公告)号：US07996315B1

公开(公告)日：2011-08-09

申请号：US11927940

申请日：2007-10-30

申请人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

发明人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q40/00

摘要： When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

公开(公告)号：US07996314B1

公开(公告)日：2011-08-09

申请号：US11927859

申请日：2007-10-30

申请人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

发明人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q40/00

摘要： When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

公开(公告)号：US07959076B1

公开(公告)日：2011-06-14

申请号：US11740787

申请日：2007-04-26

申请人： John Chandler Hopkins, III

发明人： John Chandler Hopkins, III

IPC分类号： G06Q40/00 ,  G07D11/00 ,  G07F19/00 ,  G06K5/00 ,  G06F7/08 ,  G06Q20/00 ,  G06K19/00 ,  G06K19/06

CPC分类号： G06Q20/28 ,  G06Q20/04 ,  G06Q20/105 ,  G06Q20/347 ,  G06Q20/354 ,  G06Q20/3558 ,  G06Q20/3672 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/40 ,  G07F7/10

摘要： Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that activates the card and a second number written to the card at activation away from the card manufacturer. This helps prevent theft at the manufacturer. This second account is a bearer account where anyone who knows the account number can withdraw the funds from the account. The account may be funded with either the account number or the authentication number.

摘要翻译： 描述货币卡的系统和方法。 这些卡片没有个人识别资料，例如没有名称或浮雕。 在一个示例中，卡包括激活卡的第一个号码和在远离卡制造商的激活时写入卡的第二个号码。 这有助于防止制造商盗窃。 第二个帐户是一个持有人帐户，任何知道帐号的人都可以从帐户中提取资金。 该帐户可以由帐号或认证号码资助。

公开(公告)号：US07784685B1

公开(公告)日：2010-08-31

申请号：US11740773

申请日：2007-04-26

申请人： John Chandler Hopkins, III

发明人： John Chandler Hopkins, III

IPC分类号： G06Q40/00 ,  G06K5/00 ,  G06F7/08 ,  G06Q20/00 ,  G07D11/00 ,  G07F19/00

CPC分类号： G07F7/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/22 ,  G06Q20/347 ,  G06Q20/355 ,  G06Q20/367 ,  G06Q20/382

摘要： Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that activates the card and a second number written to the card at activation away from the card manufacturer. This helps prevent theft at the manufacturer. This second account is a bearer account where anyone who knows the account number can withdraw the funds from the account. The account may be funded with either the account number or the authentication number.

摘要翻译： 描述货币卡的系统和方法。 这些卡片没有个人识别资料，例如没有名称或浮雕。 在一个示例中，卡包括激活卡的第一个号码和在远离卡制造商的激活时写入卡的第二个号码。 这有助于防止制造商盗窃。 第二个帐户是一个持有人帐户，任何知道帐号的人都可以从帐户中提取资金。 该帐户可以由帐号或认证号码资助。

公开(公告)号：US08833639B1

公开(公告)日：2014-09-16

申请号：US11739349

申请日：2007-04-24

申请人： John Chandler Hopkins, III

发明人： John Chandler Hopkins, III

IPC分类号： G06F17/00

CPC分类号： G07F19/20 ,  G06Q20/1085 ,  G07F19/201

摘要： Disclosed are systems and methods for providing a financial transaction. The systems and methods provide techniques for providing an automated teller machine (ATM) and allowing a customer to operate the ATM at the ATM to complete the transaction. In addition, the customer, while at the ATM, can communicate with a representative at a centralized hub that is remote from the ATM and the representative can take control of the ATM to complete the transaction.

摘要翻译： 披露的是提供金融交易的系统和方法。 这些系统和方法提供用于提供自动取款机（ATM）并允许客户在ATM处操作ATM以完成交易的技术。 另外，客户在ATM处可以与远离ATM的集中式中心的代表进行通信，代表可以控制ATM来完成交易。

公开(公告)号：US08712805B1

公开(公告)日：2014-04-29

申请号：US12910159

申请日：2010-10-22

申请人： John Robert Thomas Ferries ,  John Chandler Hopkins, III

发明人： John Robert Thomas Ferries ,  John Chandler Hopkins, III

IPC分类号： G06Q40/00 ,  G06Q40/08

CPC分类号： G06Q40/08 ,  G06Q50/16

摘要： A method of displaying geohazard information to a user includes providing a computer having a processor and receiving a search query from the user. The method also includes accessing, using the processor, a real estate database, determining, using the processor, a plurality of homes in the real estate database matching the search query, and displaying information related to the plurality of homes to the user. The method further includes accessing, using the processor, a geohazard database, determining, using the processor, one or more geohazards for one or more of the plurality of homes, and displaying information related to the one or more geohazards to the user.

摘要翻译： 向用户显示地质危害信息的方法包括提供具有处理器并从用户接收搜索查询的计算机。 该方法还包括使用处理器访问房地产数据库，使用处理器确定与搜索查询匹配的房地产数据库中的多个房屋，以及向用户显示与多个房屋有关的信息。 所述方法还包括：使用所述处理器访问地理危害数据库，使用所述处理器确定所述多个家庭中的一个或多个的一个或多个地理危害，以及向所述用户显示与所述一个或多个地理危害相关的信息。