公开(公告)号：US08433634B1

公开(公告)日：2013-04-30

申请号：US12434334

申请日：2009-05-01

申请人： James C. Templeman ,  Matthew Sharpe ,  Kristi Leighton ,  Paul Haley ,  Geoffrey S. Stiff ,  William S. White

发明人： James C. Templeman ,  Matthew Sharpe ,  Kristi Leighton ,  Paul Haley ,  Geoffrey S. Stiff ,  William S. White

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q20/10 ,  G06Q40/02

摘要： A computer implemented method and system that implements a benefit product that provides a guaranteed income amount for a participant, the benefit product generates the guaranteed income amount by participating in a plurality of guaranteed income products (GI products). The system may comprise: (1) an income aggregator portion; (2) a savings recordkeeper portion that maintains an investment account associated with the benefit product, the investment account into which the payments to the benefit product pass; and (3) at least one income recordkeeper portion, each income recordkeeper portion administering one or more GI products, each income recordkeeper portion: determining, based on an attributable allocation to a particular GI product, a guaranteed income associated with such particular GI product, each guaranteed income being an amount, attributable to the particular GI product, that is payable to a participant. The income aggregator performs allocation processing, the allocation processing being performed based on funds transfer data, the funds transfer data including (1) first funds transfer data that reflects activity of the investment account and benefit product associated therewith, and (2) second funds transfer data that reflects activity of a respective GI product.

公开(公告)号：US08370242B2

公开(公告)日：2013-02-05

申请号：US11065441

申请日：2005-02-25

申请人： Geoffrey S. Stiff ,  David E. Thomas ,  John C. Eza ,  Vickey L. Root

发明人： Geoffrey S. Stiff ,  David E. Thomas ,  John C. Eza ,  Vickey L. Root

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q10/1057 ,  G06Q20/10 ,  G06Q40/02 ,  G06Q40/06

摘要： The invention provides systems, and methods of using the systems, for implementing a benefit product with a guaranteed minimum income. Payment into the benefit product secures the guaranteed minimum income for a payout phase following an accumulation phase of the benefit product. The system comprises an income recordkeeper interfacing with a plurality of savings recordkeepers. The income recordkeeper includes (1) an income recordkeeper interface portion that inputs attributes to the benefit product funded by payments from a plan associated with the benefit product; and (2) an income recordkeeper record keeping system that implements the benefit product. The income recordkeeper record keeping system: (a) monitors transactions to or from the benefit product; and (b) determines, based on the transactions, a guaranteed minimum income associated with participation in the benefit product, the guaranteed minimum income being an amount that may be paid from the benefit product beginning on a future start date.

摘要翻译： 本发明提供了使用这些系统的系统和方法，用于实现具有保证的最低收入的益处产品。 在利益产品的积累阶段之后支付福利产品的担保确保支付阶段的保证最低收入。 该系统包括与多个储蓄记录器接口的收入记录管理器。 收入记录员包括（1）收入记录管理员接口部分，其输入属于由与益处产品有关的计划的支付资助的利益产品的属性; 和（2）实行利益产品的收入记录员记录保存系统。 收入记录员记录保存系统：（a）监督与益处产品的交易; 和（b）根据交易确定与参与福利产品相关的保证最低收入，保证最低收入是从未来开始日期开始的福利产品可能支付的金额。

公开(公告)号：US07953636B2

公开(公告)日：2011-05-31

申请号：US09788646

申请日：2001-02-21

申请人： Stacy Rhea Steuart ,  Tanya Chowdry

发明人： Stacy Rhea Steuart ,  Tanya Chowdry

IPC分类号： G07Q1/12 ,  G06F17/60

CPC分类号： G06Q10/10 ,  G06Q20/209 ,  G06Q30/04 ,  G06Q40/08

摘要： A system and method for providing sales-related data over a network. The method includes the steps of receiving a request for sales-related data from a user, receiving request-related information from the user and generating the sales-related data based on the received request-related information. The request may be from a user at a broker address. The method further includes the steps of accessing broker information from a broker information database based on the broker address and displaying at least a portion of the broker information with at least a portion of subsequent information presented to the user.

摘要翻译： 一种用于通过网络提供销售相关数据的系统和方法。 该方法包括以下步骤：从用户接收与销售有关的数据的请求，从用户接收请求相关信息，并基于接收到的请求相关信息生成销售相关数据。 请求可以来自经纪人地址的用户。 该方法还包括以下步骤：基于代理地址从代理信息数据库访问代理信息，并且将至少一部分代理信息显示给呈现给用户的后续信息的至少一部分。

公开(公告)号：US20090006237A1

公开(公告)日：2009-01-01

申请号：US12144118

申请日：2008-06-23

申请人： Mary M. Fay ,  Paul Haley ,  Vickey Root ,  Matthew Sharpe ,  Geoffrey Stiff

发明人： Mary M. Fay ,  Paul Haley ,  Vickey Root ,  Matthew Sharpe ,  Geoffrey Stiff

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/06

摘要： A process and a system for providing a user with a plurality of periodic retirement income payments is disclosed. The process comprises the steps of receiving an input including two of a retirement date, a minimum retirement income amount and a defined premium payment amount for payment over a plurality of preset payment intervals. The process also includes the steps of calculating the other one of the retirement date, the minimum retirement income amount and the defined premium payment amount for an accumulation period defined by the retirement date and a current age of the user; receiving a premium payment amount from the user during the accumulation period; investing the received premium payment amount in an account in a manner consistent with one or more predefined objectives during the accumulation period to realize a retirement income amount. The process further includes the step of transmitting the retirement income amount to at least one of the user and a designated receiver at a designated time after the end of the accumulation period. The retirement income amount includes a predetermined guaranteed minimum retirement income if the received premium payments are received according to a preset premium payment schedule.

公开(公告)号：US07383239B2

公开(公告)日：2008-06-03

申请号：US10425721

申请日：2003-04-30

申请人： Piero Patrone Bonissone ,  Kareem Sherif Aggour ,  Rajesh Venkat Subbu ,  Weizhong Yan ,  Naresh Sundaram Iyer ,  Anindya Chakraborty

发明人： Piero Patrone Bonissone ,  Kareem Sherif Aggour ,  Rajesh Venkat Subbu ,  Weizhong Yan ,  Naresh Sundaram Iyer ,  Anindya Chakraborty

IPC分类号： G06F17/00 ,  G06N5/02

CPC分类号： G06Q40/08 ,  G06Q40/00

摘要： A method and system for fusing a collection of classifiers used for an automated insurance underwriting system and/or its quality assurance is described. Specifically, the outputs of a collection of classifiers are fused. The fusion of the data will typically result in some amount of consensus and some amount of conflict among the classifiers. The consensus will be measured and used to estimate a degree of confidence in the fused decisions. Based on the decision and degree of confidence of the fusion and the decision and degree of confidence of the production decision engine, a comparison module may then be used to identify cases for audit, cases for augmenting the training/test sets for re-tuning production decision engine, cases for review, or may simply trigger a record of its occurrence for tracking purposes. The fusion can compensate for the potential correlation among the classifiers. The reliability of each classifier can be represented by a static or dynamic discounting factor, which will reflect the expected accuracy of the classifier. A static discounting factor is used to represent a prior expectation about the classifier's reliability, e.g., it might be based on the average past accuracy of the model, while a dynamic discounting is used to represent a conditional assessment of the classifier's reliability, e.g., whenever a classifier bases its output on an insufficient number of points it is not reliable.

摘要翻译： 描述用于融合用于自动保险承保系统的分类器集合和/或其质量保证的方法和系统。 具体来说，分类器的集合的输出被融合。 数据的融合通常会导致一些共识和分类器之间的一些冲突。 共识将被测量并用于估计融合决策的信心程度。 根据融合的决定和信心程度以及生产​​决策引擎的决策和决策程度，然后可以使用比较模块来识别审计案例，增加用于重新调整生产的培训/测试集的案例 决策引擎，审查案例，或者可以简单地触发其发生记录以进行跟踪。 融合可以补偿分类器之间的潜在相关性。 每个分类器的可靠性可以由静态或动态折扣因子表示，这将反映分类器的预期准确性。 静态折扣因子用于表示对分类器的可靠性的先前期望，例如，可以基于模型的平均过去精度，而使用动态贴现来表示分类器的可靠性的条件评估，例如，每当 分类器的输出基于不可靠的点数不足。

公开(公告)号：US07013325B1

公开(公告)日：2006-03-14

申请号：US09695830

申请日：2000-10-26

申请人： Kathryn B. Vivian ,  Steinar Hjelle

发明人： Kathryn B. Vivian ,  Steinar Hjelle

IPC分类号： G06F15/16

CPC分类号： G09B5/00

摘要： A system and method for providing a specialized learning curriculum to users over a computer network. At least one server computer associated with a education content provider hosts a learning center web site that solicits and receives personal information from users relating to the users' interest preferences and demographic information. Using this information, the server computer generates a specialized learning curriculum based upon each user's selected interests and other information. The curriculum may include articles, on-line courses, on-line workshops, interactive games and user activities, and interactive calculation tools provided by both the education content provider and third party content providers. Upon curriculum creation, the user may select content items for subsequent display and evaluation. The system also provides a variety of additional features such as an internal message service, a reminder service, a news service, and a notes service.

摘要翻译： 一种用于通过计算机网络向用户提供专门的学习课程的系统和方法。 与教育内容提供商相关联的至少一个服务器计算机承载学习中心网站，该网站从与用户的兴趣偏好和人口统计信息相关的用户征求和接收个人信息。 使用该信息，服务器计算机根据每个用户选择的兴趣和其他信息生成专门的学习课程。 课程可能包括文章，在线课程，在线讲习班，互动游戏和用户活动，以及由教育内容提供商和第三方内容提供商提供的交互式计算工具。 在创建课程表后，用户可以选择内容项目用于后续的显示和评估。 该系统还提供了各种附加功能，如内部消息服务，提醒服务，新闻服务和笔记服务。

公开(公告)号：US08024248B2

公开(公告)日：2011-09-20

申请号：US11239485

申请日：2005-09-30

申请人： Geoffrey Stiff ,  Matthew Sharpe ,  Landis William Atkinson, III

发明人： Geoffrey Stiff ,  Matthew Sharpe ,  Landis William Atkinson, III

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/02

摘要： A system and method for providing a user with a portable benefit based on a formula the result of which indicates the exact guaranteed minimum periodic income that the user will receive no matter how long the user lives and the potential for an increase in the periodic income. The system comprises a defined contribution module for periodically receiving at least one of a sponsor contribution and a participant contribution and for accumulating value over a period of time by investing at least one of the sponsor contribution and the participant contribution or any portion(s) thereof in any number of select investment options, the accumulated value being capable of being withdrawn at any time and reinvested in any other select investment options being paid out after a predetermined period of time The guaranteed minimum income payment may be based on a retirement income formula.

摘要翻译： 一种用于向用户提供便携式利益的系统和方法，其基于公式，其结果表示用户将收到的确切的保证最小定期收入，无论用户居住多长时间和增加定期收入的潜力。 该系统包括定义的贡献模块，用于周期性地接收赞助者贡献和参与者贡献中的至少一个，并且通过投资赞助者贡献和参与者贡献或其任何部分中的至少一个来在一段时间内累积价值 在任何数量的选择投资选择中，累计价值能够随时被撤回，再投资于在预定时间段之后支付的任何其他选择投资期权。担保最低收入支付可以基于退休收入公式。

公开(公告)号：US07844476B2

公开(公告)日：2010-11-30

申请号：US10171190

申请日：2002-06-14

申请人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Dan Yang ,  Marc Pavese ,  Angela Neff Patterson ,  Antonio Mogro-Campero ,  Anil Varma ,  William Michael Durham ,  Diane Marie Russell ,  Rajesh Venkat Subbu

发明人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Dan Yang ,  Marc Pavese ,  Angela Neff Patterson ,  Antonio Mogro-Campero ,  Anil Varma ,  William Michael Durham ,  Diane Marie Russell ,  Rajesh Venkat Subbu

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q50/22 ,  G06Q50/24

摘要： A process for at least a partial underwriting of insurance policies is described. Based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made. This decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.

摘要翻译： 描述了至少部分承保保险单的过程。 根据与以往保险申请的相似性，可以对目前的承保请求作出决定。 该决策过程代表将保险申请放置于承保类别的类比方法，从而将给定的保险申请请求与以前的请求进行比较。

公开(公告)号：US07818211B2

公开(公告)日：2010-10-19

申请号：US09788646

申请日：2001-02-21

申请人： Stacy Rhea Steuart ,  Tanya Chowdry

发明人： Stacy Rhea Steuart ,  Tanya Chowdry

IPC分类号： G07Q1/12 ,  G06F17/60

摘要： A system and method for providing sales-related data over a network. The method includes the steps of receiving a request for sales-related data from a user, receiving request-related information from the user and generating the sales-related data based on the received request-related information. The request may be from a user at a broker address. The method further includes the steps of accessing broker information from a broker information database based on the broker address and displaying at least a portion of the broker information with at least a portion of subsequent information presented to the user.

公开(公告)号：US07698159B2

公开(公告)日：2010-04-13

申请号：US10777649

申请日：2004-02-13

申请人： Michael David Metzger ,  Diane M. Russell ,  Timothy Patrick Jon Perry

发明人： Michael David Metzger ,  Diane M. Russell ,  Timothy Patrick Jon Perry

IPC分类号： G06Q10/00

CPC分类号： G06Q10/10 ,  G06F19/00 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： 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 data entry operator; and a data collector tool, which processes entered data that is entered by the data entry operator, onto an internal electronic form, based on the submitted data submitted by the applicant. The data collector may include a form flow portion that presents the data entry operator with a series of form flows for collection of the submitted data, the form flows progressing through various user interface screens in collection of the submitted data, the form flows using content sensitive logic; and a metadata portion that generates metadata, the metadata containing information about the entered data, the metadata being progressively generated during progression of the form flows through the various user interface screens.

摘要翻译： 提供了系统和方法，用于在提交的表格上执行申请人提供的保险相关提交数据的数据收集。 系统可以包括输入提交的表单的数据输入部分，使得提交的表单上的提交的数据可用于数据输入操作者; 以及数据收集器工具，其根据申请人提交的数据，将由数据输入操作者输入的输入数据处理到内部电子表单上。 数据收集器可以包括表单流程部分，其向数据输入操作者呈现用于收集所提交数据的一系列表单流，在收集所提交的数据时，表单流程通过各种用户界面屏幕进行，使用内容敏感的表单流 逻辑; 以及生成元数据的元数据部分，包含关于输入数据的信息的元数据，在表单进行期间逐渐生成的元数据流经各种用户界面屏幕。