公开(公告)号：US20080177582A1

公开(公告)日：2008-07-24

申请号：US12015108

申请日：2008-01-16

申请人： Michael O'Brien ,  John McPherson ,  Sam Beritela ,  Michael Quinn

发明人： Michael O'Brien ,  John McPherson ,  Sam Beritela ,  Michael Quinn

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08

摘要： Methods and devices for reducing costs associated with life settlement transactions include an initial economic evaluation and a targeted but abbreviated verification of information provided by a potential customer and gathering of additional information, followed by a conditional offer for those policies that satisfy the economic criteria (e.g., face value of policy, stated life expectancy, etc.) and for which the abbreviated verification is positive. The verification and additional information may be performed by one or more of following: 1) a query of a prescription database in which the identity and use of the prescription drugs identified by the customer are determined; 2) a questionnaire filled out by a physician treating the patient for a particular illness; and 3) a telephone inquiry of the insured. If the additional information and verification are consistent with the initial information, the life settlement is completed.

摘要翻译： 用于降低与人寿结算交易相关的成本的方法和设备包括初始经济评估，潜在客户提供的信息的有针对性但缩写的验证，并收集附加信息，其次是满足经济标准的政策的有条件报价（例如 ，政策的面值，预期寿命等），缩写验证是正面的。 验证和附加信息可以通过以下一个或多个来执行：1）查询由客户确定的处方药的身份和使用确定的处方数据库; 2）医生为特定疾病治疗患者填写的问卷; 和3）被保险人的电话查询。 如果附加信息和验证与初始信息一致，则结算生命周期。