Insurance_Analysis by BmG9b2I9

VIEWS: 15 PAGES: 1015

									S.No                   Title                              Abstract

       ACCIDENT              INFORMATION PROBLEM TO BE SOLVED: To
       PROCESSING          SYSTEM      AND provide a system capable of using a
       PORTABLE          COMMUNICATION taken image showing the state of an
       TERMINAL WITH CAMERA                accident site for rapid accident
 1                                         processing.       SOLUTION:        The
                                           portable communication terminal with
                                           a camera 1 transmits image data with
                                           an insurance number (numbered
                                           image data) to a server 2. The server
                                                            repair shop that the
       Method of verifying insurance on 2 determines afor determining is a
                                           A method
       registered vehicles                 presence      and/or     absence     of
                                           automobile insurance on State
                                           registered vehicles utilizes registered
 2                                         vehicle records and insurance record
                                           databases as provided by the State
                                           and private sectors. The records
                                           contain information indicating the
                                           presence of insurance on particular
       insurance BUSINESS PROCESSING PURPOSE: To provide an insurance
       SYSTEM                              business processing system which
                                           performs the systematic computer
                                           processing up to application cation
 3                                         generation and insurance policy
                                           issuing in the insurance business.
                                           CONSTITUTION: This insurance
                                           business processing system is
                                           provided with a host computer 11 and
       Method and apparatus for issuing A method and system in a data
       insurance from kiosk                processing system for automatically
                                           associating a user's signature with a
                                           document. The data processing
 4                                         system includes a touchscreen
                                           display, a central processing unit, a
                                           data storage system, at least one
                                           document stored within the data
                                           storage system, and a pointing
       Motor vehicle monitoring system for A method and system of determining
       determining a cost of insurance     a cost of automobile insurance based
                                           upon monitoring, recording and
                                           communicating data representative
 5                                         of operator and vehicle driving
                                           characteristics. The cost is adjustable
                                           retrospectively     and      can     be
                                           prospectively set by relating the
                                           driving characteristics to
     System and method for assuring A system and method is described
     predictable gains                      for creating a predictable flow of
                                            funds        from      an        otherwise
                                            unpredictable source. An investment
6                                           and receiving vehicle is established
                                            where       participants      pool    their
                                            ownership of insurance policies so as
                                            to share in the proceeds from those
                                            policies.
     Vehicle identification and information A      vehicle      identification     and
     system control device and system       information system for obtaining
                                            information on a plurality of vehicles
                                            is disclosed by the present invention.
7                                           The system includes an identification
                                            unit, a remote unit and a central
                                            microprocessor. The identification
                                            unit is installed in each of the plurality
                                            of vehicles and includes a first
     Fully automated vehicle dispatching, A system for controlling vehicles to
     monitoring and billing                 provide       transportation      services
                                            without need for human intervention.
                                            A database stores records each
8                                           documenting needed transportation
                                            services. Processing circuitry (which
                                            may be one or several networked
                                            computers) reviews these records,
                                            locates records indicating a need for
     TRANSPORTATION                          A transportation surveillance system
     SURVEILLANCE SYSTEM                    for a vehicle. The vehicle is capable
                                            of movement in at least a first
                                            direction. A camera or cameras (107,
9                                           108, 109) are used to record at least
                                            a portion of the field of vision of the
                                            operator in the first direction. A
                                            storage device (105) stores the visual
                                            record produced by the camera or
     Computer system for delivery of A computer system is provided for
     financial services                     delivery of financial services, such as
                                            banking, general insurance, life
                                            assurance,           pensions          and
10                                          investments, loans and mortgages,
                                            and financial planning and advisory
                                            services. The system comprises a
                                            number of user computers connected
                                            to a plurality of server computers by
     Method for using a smart card for A            computerized         “smart
     recording operations, service and card” which has a read/write
     maintenance        transactions   and memory and formatted data storage
     determining compliance of regulatory blocks is used to track the life history
11   and other scheduled events             of     one      or   more      associated
                                            machine(s) (e.g., vehicles, medical
                                            instrumentation       and       apparatus,
                                            business and copying machines,
                                            etc.). The smart card can store a
     SYSTEM FOR ONLINE QUOTING An online automobile insurance
     AND     BINDING     OF   insurance policy quoting system comprises a
     POLICIES                           service system (12) , plural customer
                                        systems (24), a payment system
12                                      (14), a third source system (16), and
                                        a rating system (20). The payment
                                        system (14) is provided to effect an
                                        electronic payment for a given
                                        insurance policy. The third source
     FACILITY AND METHOD FOR PROBLEM TO BE SOLVED: To
     ORDERING         AND       ORDER provide facilities and a method for
     RECEPTION OF ARTICLE FOR computer-based ordering and order
     DAMAGE        insurance     USING reception of an article for damage
13   COMPUTER                           insurance which can easily and
                                        speedily perform automobile damage
                                        insurance processing. SOLUTION:
                                        The article ordering and order
                                        receiving facilities for damage
     SYSTEM      FOR     CALCULATING PROBLEM TO BE SOLVED: To
     AUTOMOBILE insurance PREMIUM provide an automobile insurance
     AND METHOD FOR THE SAME premium calculating system capable
     AND     COMPUTER        READABLE of reducing costs required for the
14   MEDIUM HAVING ITS PROGRAM payment of the automobile insurance
     RECORDED THEREON                   and further improving the variety of
                                        the        automobile         insurance
                                        merchandise.        SOLUTION:       This
                                        automobile insurance premium
     SERVER, RECORDING MEDIUM, PROBLEM TO BE SOLVED: To
     CONTRACT          PAPER       FOR provide a server, etc., for improving
     COMPULSORY           AUTOMOBILE the efficiency of insurance job
     LIABILITY insurance AND PRINTING processing with issuing of an
15   PAPER FOR THE CONTRACT             insurance       contract     document.
                                        SOLUTION: An agency terminal 1
                                        provides contract data showing
                                        contract contents to an agency server
                                        2. The server 2 prepares contract
     insurance CERTIFICATE ISSUANCE PROBLEM TO BE SOLVED: To
     METHOD          AND      insurance provide a method and a system that
     CERTIFICATE ISSUANCE SYSTEM can issue a certificate of compulsory
                                        automobile liability insurance while
16                                      reducing the burden on an insurance
                                        company and can permit a customer
                                        to receive a certificate with reliability.
                                        SOLUTION: A controller 11 in an
                                        agent terminal 10 records a
     SYSTEM       FOR     SUPPORTING PROBLEM TO BE SOLVED: To
     AUTOMOBILE NONLIFE insurance provide a system and the like for
     SALE, METHOD THEREFOR, AND easy estimation provision and sale to
     RECORDING MEDIUM                   a user, as to automobile insurance
17                                      wherein safe driving aptitude having
                                        a     feature      excellent    as      a
                                        determination element for premium
                                        and discount rates of an automobile
                                        nonlife insurance premium because
     SYSTEM         FOR    MANAGING PROBLEM TO BE SOLVED: To
     AUTOMOBILE insurance TARGET    appropriately set the sales target of
                                    automobile insurance and to provide
                                    a concrete index for realizing the
18                                  target. SOLUTION: Parameters such
                                    as the expiration arrival rate, the new
                                    insurance rate, the duration rate, the
                                    insurance      premium       unit     of
                                    automobile insurance and the
     DEVICE, METHOD AND PROGRAM PROBLEM TO BE SOLVED: To
     FOR PREMIUM DETERMINATION lighten the burden of policy
                                    management on a contractor by
                                    evading a traffic accident caused by
19                                  an uninsured vehicle and determining
                                    a premium corresponding to risk
                                    factors momentarily changing during
                                    a drive of an automobile. SOLUTION:
                                    This device is equipped with a user
     FLUCTUATING        CONSUMPTION PROBLEM TO BE SOLVED: To
     TYPE insurance SYSTEM          provide a system in which the
                                    premium is determined for a
                                    policyholder of automobile insurance
20                                  in conformity with an actual driving
                                    state for every policyholder, and
                                    capable of quickly reflecting a using
                                    state of an automobile in the
                                    premium. SOLUTION: The purpose
     WHOLE LIFE DRIVER insurance      PROBLEM TO BE SOLVED: To
                                    select correct insurance in car
                                    society. SOLUTION: It is made
                                    possible to review a premium every
21                                  year and revise it every three years.
                                    Provided that, the premium is so
                                    calculated that the rate of an amount
                                    expected in the beginning to be paid
                                    back when no accident is met with
     METHOD        FOR   PROCESSING PROBLEM TO BE SOLVED: To
     insurance    INFORMATION   AND provide     information     processing
     COMPUTER SYSTEM                technique for relieving business
                                    burden on major customers and an
22                                  insurance company in order not to
                                    cause hindrance in insurance money
                                    payment.      SOLUTION:       Business
                                    burden on the customers and the
                                    insurance company is reduced by
     Fuel access card               A smart card designed to be issued
                                    by insurance companies to clients
                                    when they pay their vehicle insurance
                                    premiums, and bearing information
23                                  about the vehicle registration, the
                                    vehicle insurance details, and a valid
                                    from and expiry date. The card is
                                    used to obtain authorisation to
                                    disengage a locking mechanism on a
     SERVICE PROCESSING SYSTEM               A system for a customer at a distant
                                            position to receive services from
                                            various service providers, to set,
                                            change and halt service programs
24                                          flexibly and to pay them generically.
                                            A customer (30) is typically
                                            exemplified by a driver who
                                            subscribes to or purchases the
                                            services from a on-vehicle device
     SYSTEM AND PROGRAM FOR                   PROBLEM TO BE SOLVED: To
     CALCULATING       AUTOMOBILE           provide an automobile insurance
     insurance PREMIUM                      premium calculation system capable
                                            of reducing costs needed to pay
25                                          automobile insurance money and
                                            also further diversifying automobile
                                            insurance commodities. SOLUTION:
                                            This automobile insurance premium
                                            calculation system is characterized in
     DAMAGE        INVESTIGATION              PROBLEM TO BE SOLVED: To
     SUPPORT SYSTEM                         provide data about investigations on
                                            the cause of an automotive accident
                                            and the amount of damage for the
26                                          purpose     of     appropriately    and
                                            efficiently conducting investigations
                                            on the damage caused by the
                                            accident. SOLUTION: A server 3
                                            managing damage investigation data
     Customer     service     automation    The present invention provides
     systems and methods                    systems and methods for automation
                                            and enhancement of customer
                                            service in vehicle distress situations.
27                                          A typical process according to the
                                            present invention involves the
                                            detection of a vehicle distress event.
                                            Once a distress event is detected, a
                                            response plan is generated based
     Driving record monitoring system and   An ongoing driving habit monitoring
     method                                 system used by insurance companies
                                            to more accurately determine the
                                            driving habits of their policyholders or
28                                          authorized drivers to more accurately
                                            determine their risk of loss. The
                                            system uses a monitoring device
                                            located in the insured party's motor
                                            vehicle. Each monitoring device is
     System and method for automatically    A system for generating automobile
     generating automobile insurance        insurance certificates from a remote
     certificates from a remote computer    computer terminal connected by a
     terminal                               computer network to a central
29                                          computer, wherein an expiring
                                            automobile insurance policy is
                                            identified by viewing on the remote
                                            computer terminal data, stored on the
                                            central computer, relating to expiring
     Consultation    business     support A consultation business support
     system                               system enables the expedition of
                                          administrative affairs of an insurance
                                          company by selecting optional
30                                        information items and responding to
                                          a customer encountering a vehicular
                                          accident or trouble in accordance
                                          with the inquiry from the customer by
                                          referring to guiding procedure
     insurance           TRANSSACTING In an automobile insurance or a life
     SYSTEM AND METHOD USING insurance, an assessment is more
     PERSONAL                 BEHAIVIOR optimized on the basis of personal
     INFORMATION                          behavior or status. In the case of an
31                                        automobile insurance, for example,
                                          the time zone relating to an arbitrary
                                          road section and the risk stemming
                                          from the weather are prepared as
                                          basic data. The insurance premium is
     SYSTEM,          METHOD        AND This private vehicle use management
     PROGRAM FOR MANAGING USE system comprises: a user 11 who
     OF PRIVATE VEHICLE                   uses his/her own car for going to
                                          work, school, etc.; an insurance
32                                        information entity 12 such as an
                                          insurance agency having insurance
                                          information; and a PC 13 used mainly
                                          by a manager of a company, a
                                          school, etc., for management. The
     System and method for identifying The invention is a method and
     and      assessing       comparative system useful in determining the
     negligence in insurance claims       degree of comparative negligence of
                                          an insured person involved in an
33                                        accident as compared to the
                                          comparable negligence of other
                                          parties involved in the accident, in
                                          particular the insurance claimant.
                                          The method and system of the
     SYSTEM AND PROGRAM FOR PROBLEM TO BE SOLVED: To
     TAKING                 EMERGENCY provide a system and a program for
     COUNTERMEASURE TO TRAFFIC taking emergency countermeasures
     ACCIDENT                             to a traffic accident for automatically
34                                        announcing the occurrence of any
                                          accident to a necessary contact
                                          destination, and for promoting
                                          accurate            and         urgent
                                          countermeasures to the contact
     insurance PREMIUM CALCULATION PROBLEM TO BE SOLVED: To
     SERVER,      insurance     PREMIUM provide an insurance premium
     CALCULATION METHOD, AND calculation server 10 capable of
     PROGRAM                              reflecting the physical and mental
35                                        aptitude of users to the operation of
                                          car on the insurance premium of car
                                          insurance.        SOLUTION:       This
                                          insurance calculation server 10
                                          calculating the insurance premium of
     CERTIFICATE OUTPUT            DEVICE        PROBLEM TO BE SOLVED: To
     AND PROGRAM                               easily prove that a dropout of a
                                               certificate number presented to an
                                               insurance company is due to a
36                                             printing defect when a compulsory
                                               automobile        liability   insurance
                                               certificate is outputted again because
                                               of the printing defect caused in a
                                               certificate output device printing the
     CERTIFICATE OUTPUT DEVICE,                  PROBLEM TO BE SOLVED: To
     CERTIFICATE OUTPUT SYSTEM,                prevent double issue of certificates
     AND PROGRAM                               carrying the same certificate number
                                               even when certificate data in a
37                                             certificate      outputting       device
                                               outputting a compulsory automobile
                                               liability insurance certificate are
                                               copied to another certificate output
                                               device. SOLUTION: This certificate
     TELEMATICS    SYSTEM,            RISK       PROBLEM TO BE SOLVED: To
     SERVER, AND PROGRAM                       provide a telematics system for
                                               qualitatively presenting an accident
                                               rate and insurance fee changed
38                                             depending on a route to a driver.
                                               SOLUTION: This risk server 50
                                               comprises a risk database 32 for
                                               storing a position risk that is the
                                               incidence rate of accident of every
     Computerized method and system            Computer-implemented methods and
     for estimating liability using recorded   systems for estimating liability for a
     vehicle data                              vehicle accident are provided. In an
                                               embodiment, vehicle data of a
39                                             vehicle relating to the accident may
                                               be recorded in memory on a
                                               computer system. The recorded
                                               vehicle data may be then be stored
                                               on a computer system. In certain
     Computerized method and system            Computer-implemented methods and
     for estimating an effect on liability     systems for estimating liability for a
     based on the stopping distance of         vehicle accident are provided. In one
     vehicles                                  embodiment, at least one stopping
40                                             distance of a vehicle may be
                                               estimated. In some embodiments, a
                                               stopping distance may include an
                                               approximate distance for the vehicle
                                               traveling at a specified speed to stop
     Computerized method and system            Computer-implemented methods and
     for estimating an effect on liability     systems for estimating liability for a
     using a comparison of the actual          vehicle accident are provided. In one
     speed of a vehicle in an accident and     embodiment, the theoretical paths of
41   time and distance traveled by the         a straight traveling vehicle and of a
     vehicles in a merging vehicle             turning vehicle may be estimated. In
     accident                                  certain embodiments, the turning
                                               vehicle may be merging into the
                                               same lane as the straight traveling
     Computerized method and system             Computer-implemented methods and
     for estimating an effect on liability      systems for estimating liability for a
     using a comparison of the actual           vehicle accident are provided. In one
     speed of vehicles with a specified         embodiment, an actual speed of a
42   speed                                      vehicle involved in an accident may
                                                be estimated. At least one specified
                                                speed of a vehicle involved in the
                                                accident may be provided to a
                                                computer system. In an embodiment,
     Computerized method and system             Computer-implemented methods and
     for estimating an effect on liability      systems for estimating liability for a
     using claim data accessed from             vehicle accident are provided. In an
     claim reporting software                   embodiment, claim data may be
43                                              accessed for one or more claims
                                                relating to a vehicle accident from a
                                                first database on a computer system.
                                                In some embodiments, the claim
                                                data may be accessed if the claim
     Computerized method and system             Computer-implemented methods and
     for estimating liability for an accident   systems for estimating liability for a
     from an investigation of the accident      vehicle accident are provided. In one
                                                embodiment, a question may be
44                                              generated on one or more topics
                                                relating to the accident. A set of
                                                answers corresponding to the
                                                question may be provided to the
                                                computer system. In an embodiment,
     Computerized method and system             Computer-implemented methods and
     for creating pre-configured claim          systems for creating pre-configured
     reports including liability in an          claim reports including estimated
     accident estimated using a computer        liability for a vehicle accident are
45   system                                     provided. In an embodiment, claim
                                                information on a computer system
                                                required by a pre-configured claim
                                                report for an accident may be
                                                accessed from a database. In some
     Computerized method and system             Computer-implemented methods and
     for estimating an effect on liability of   systems for estimating liability for a
     the speed of vehicles in an accident       vehicle accident are provided. In one
     and time and distance traveled by the      embodiment, theoretical paths of a
46   vehicles                                   reference vehicle and a reacting
                                                vehicle may be estimated. In an
                                                embodiment, a reacting vehicle
                                                reacts to a danger of an accident with
                                                the reference vehicle. The
     Computerized method and system             Computer-implemented methods and
     for estimating liability for an accident   systems for estimating liability for a
     using    dynamic        generation    of   vehicle accident are provided. In one
     questions                                  embodiment, a question may be
47                                              generated on one or more topics
                                                relating to the accident. The question
                                                may be associated with one or more
                                                answers. In some embodiments, at
                                                least one answer may be associated
     Method and apparatus for providing Methods of the present invention are
     supplemental insurance for leased designed to offer insurance to
     vehicles                              lessees of vehicles to cover up front,
                                           out-of-pocket lease expenses in the
48                                         event of a total loss, e.g., theft, and
                                           preferably include steps performed
                                           by a vehicle leasing dealer as well as
                                           steps performed by one or more
                                           participating insurers. The steps are
     Financial incentive through insurance The present disclosure relates
     offerings for vehicles that utilize a generally to safety systems and
     safety system                         related      insurance      offerings     to
                                           encourage         increased      use     of
49                                         passenger restraint safety devices,
                                           such as seat belts. In a particular
                                           embodiment, a method to encourage
                                           use of a passenger restraint device in
                                           a vehicle that relates to a financial
     NAVIGATION SYSTEM, SERVER, PROBLEM TO BE SOLVED: To
     NAVIGATION         METHOD,       AND provide a navigation system for
     PROGRAM                               informing drivers of the existence and
                                           the positions of vehicles of which
50                                         compensation capability is insufficient
                                           in accident occurrence. SOLUTION:
                                           An on-vehicle device 10a transmits a
                                           current position of the vehicle 12a
                                           and a vehicle ID specifying the
     CONTRACT            PAPER        FOR PROBLEM TO BE SOLVED: To
     AUTOMOBILE          LIABILITY    FOR improve         efficiency    of     issuing
     DAMAGE           insurance,      AND processing of a written insurance
     PRINTING PAPER FOR insurance contract of an automobile liability for
51   CONTRACT         OF     AUTOMOBILE damage insurance. SOLUTION: A
     LIABILITY FOR DAMAGE insurance contract paper for the automobile
                                           liability for damage insurance has an
                                           insurance       certificate    area,     an
                                           insurance application area and a
     VEHICLE                 HAZARDOUS A vehicle hazardous environment
     ENVIRONMENT DETECTING AND detecting and signaling system (10)
     SIGNALING SYSTEM                      that is designed to detect the
                                           presence of a living being inside a
52                                         parked vehicle when the living being
                                           is at risk from a hazardous
                                           environmental condition. The system
                                           (10) functions in combination with a
                                           vehicle (100) and certain elements of
     APPARATUS AND METHOD OF PROBLEM TO BE SOLVED: To
     REGISTERING IMAGE DATA                efficiently collect required images at
                                           the site of an automobile accident
                                           etc. SOLUTION: An insurance
53                                         agency having rushed to the site or
                                           an insured person himself/herself at
                                           the site photographs moving image
                                           data of the site, and transmits them
                                           to an operator terminal 5 by using a
     Apparatus, system, and method for An apparatus, a system, and a
     exchanging vehicle identification data process for exchanging vehicle
                                            identification information subsequent
                                            to a collision are provided. The
54                                          apparatus, system, and process
                                            include a host identification device
                                            connected to a vehicle data system
                                            of a host vehicle. At the time of
                                            collision the vehicle data system
     Automated consumer to business An automotive consumer to business
     electronic marketplace system          electronic marketplace system is
                                            presented, wherein various aspects
                                            of vehicle operation, driver status or
55                                          driver behavior are monitored and
                                            reported        to     an      electronic
                                            marketplace. Suppliers of insurance
                                            products and other suppliers of
                                            automobile products or services may
     CONTRACT              CONCLUSION PROBLEM TO BE SOLVED: To
     SUPPORT SERVER; PROCESSING promptly determine a contract
     METHOD          IN       CONTRACT content according to a fee requested
     CONCLUSION SUPPORT SERVER; by a user when the user intends to
56   PROGRAM; AND RECORDING conclude a contract (for instance, a
     MEDIUM                                 contract related to an automobile
                                            insurance). SOLUTION: This contract
                                            conclusion support server 100
                                            receives a requested fee from one of
     VEHICLE MONITORING SYSTEM                A vehicle monitoring system. The
                                            system includes an electronic access
                                            card in which the electronic access
                                            card stores information associated
57                                          with a user of the electronic access
                                            card, a card reader for receiving the
                                            electronic access card and for
                                            reading the associated information
                                            and a vehicle transceiver coupled to
     DRIVER insurance SYSTEM                PROBLEM TO BE SOLVED: To
                                            provide a car insurance system that
                                            drivers     are    the    objective    of
                                            compensation, in which insurance
58                                          premiums        can    be     reasonably
                                            determined. SOLUTION: The driver
                                            insurance system determines an
                                            insurance premium based on a
                                            driver's personal attribute data, such
     Investment vehicle and methods and Implementing an investment strategy
     systems for implementing investment to be executed for an individual
     strategy                               investor in a single financial contract,
                                            covering a plurality of assets. The
59                                          assets underlying the financial
                                            contract are managed using at least
                                            a tactical and a strategic asset
                                            allocation       model.      Information
                                            regarding risk tolerance, investing
     Mobile wireless phone with impact       This invention relates to the use and
     sensor,         detects     vehicle     proper placement in a vehicle of a
     accidents/thefts, transmits medical     mobile wireless phone having cellular
     exigency-automatically      notifies    or GPS positioning capability and an
60   authorities                             impact      sensor,     e.g.      triaxial
                                             accelerometer. Said sensor instantly
                                             detects a serious vehicular accident
                                             or theft, then and without driver or
                                             passenger intervention, automatically
     Preventing vehicle use by          an   The      Vehicle     insurance        and
     unauthorised or uninsured driver        Authentication      Device        (VIAD)
                                             prevents vehicle usage by an
                                             uninsured and/or unauthorised driver.
61                                           The device, eg in the form of a chip
                                             or memory stick that slots into a
                                             standard key fob socket, is supplied
                                             by the insurance company and used
                                             by the driver in conjunction with the
     Wireless     automobile     valuation   A system and methodology for
     information service                     providing timely information regarding
                                             an automobile or other vehicle from
                                             one or more sources linked by a
62                                           global computer network such as the
                                             Internet to a device such as a hand-
                                             held portable wireless device (cellular
                                             or LAN), whereby the vehicle
                                             information may be displayed to a
     System and method for the               A system and method for assessing,
     assessment,        pricing,      and    pricing, and provisioning distance-
     provisioning    of    distance-based    based      vehicle    insurance       are
     vehicle insurance                       provided. In one example, the
63                                           method       receives      identification
                                             information of a customer and an
                                             associated vehicle, and a current
                                             odometer reading. Multiple coverage
                                             types are provided to the customer,
     Reduction of damage to a vehicle        Disclosed is a method of reducing
                                             damage, or the risk of damage, to a
                                             vehicle, comprising the steps of using
                                             monitoring means (6) to monitor one
64                                           or more elements of vehicle usage
                                             associated with damage, or the risk
                                             of damage, to the vehicle or
                                             components thereof; and providing
                                             feedback (8) to a user of the vehicle,
     Methods      and     apparatus   for    A method and apparatus of
     securitizing insurance, reinsurance,    securitizing insurance, reinsurance
     and retrocessional risk                 and retrocession risk is provided. The
                                             system provides a vehicle whereby
65                                           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
     CERTIFICATE OUTPUT DEVICE PROBLEM TO BE SOLVED: To
     AND PROGRAM THEREOF                    easily prove that a dropout of the
                                            certificate number presented to an
                                            insurance company is due to a
66                                          printing defect when a compulsory
                                            automobile         liability      insurance
                                            certificate is outputted the second
                                            time because of a printing defect
                                            caused in a certificate output device
     insurance     FEE     CALCULATION There are provided an insurance fee
     DEVICE,         insurance         FEE calculation device, an insurance fee
     CALCULATION               PROGRAM, calculation program, an insurance
     insurance     FEE     CALCULATION fee calculation method, and an
67   METHOD, AND insurance FEE insurance calculation system for a
     CALCULATION SYSTEM                     variable-fee type vehicle insurance
                                            which calculates an insurance fee
                                            and charges according to the actual
                                            vehicle running condition (running
     Method and apparatus for identifying A method and apparatus for
     uninsured motorists                    generating      lists      of     uninsured
                                            motorists comprising: inputting into a
                                            computer processor a database of
68                                          insurance,      driver,      and     vehicle
                                            information;      inputting      into    the
                                            computer processor a matching
                                            program; and computer translating
                                            and generating a list of uninsured
     Method of preventing theft to vehicles A method for preventing theft of a
     using intensive marking                vehicle using intensive marking
                                            comprises, establishing a service
                                            network ( 10 ) including a service
69                                          center ( 12 ) having a databank ( 14 )
                                            for data processing and storage, and
                                            a number of service stations ( 16 )
                                            providing anti theft service to clients.
                                            At the service stations, an agent
     METHOD IN A COMMUNICATION A method for distributing vehicle
     NETWORK FOR DISTRIBUTING driving                   information         comprises:
     VEHICLE DRIVING INFORMATION receiving from each of different users
     AND SYSTEM IMPLEMENTING THE of vehicles (n-1, n, n+1) information (i
70   METHOD                                 n-1, in , n+1 ) regarding the driving by
                                            the user as sensed by sensors (sn-1
                                            ,n , n+1 mounted in the vehicle;
                                            storing each of the information; and
                                            giving access or transmitting to each
     Systems and methods for verification Embodiments consistent with the
     and resolution of vehicular accidents invention provide a computer-
                                            implemented method for more
                                            accurately       reporting         vehicular
71                                          accidents. The method comprises
                                            electronically receiving a first data
                                            from a plurality of sensors embedded
                                            within a vehicle, wherein the first data
                                            includes information regarding a
     System and method for automotive A system and method for the real
     liability insurance verification       time verification of automobile liability
                                            insurance          using          multiple
                                            interconnected computer systems
72                                          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
     GPS mobil equipment insurance A GPS Mobil Equipment insurance
     method, apparatus, and product         Method, Apparatus and insurance
                                            Product for mobile equipment
                                            adapted      with     GPS        systems
73                                          comprising: inputting into a computer
                                            processor a database of mobile
                                            equipment       adapted     with     GPS
                                            systems from all GPS manufacturers
                                            within a geographical area, including
     GPS MONITORING, BIOMETRIC A method and system which,
     SMARTCARD,                 INTELLIGENT provides real time GPS based vehicle
     SPEED MANAGEMENT                       monitoring, management and cruise
                                            control by a small, single, sealed, the
74                                          in-vehicle        monitoring          unit,
                                            incorporating      intelligent     speed
                                            adaptation, recording driver and
                                            vehicle operating parameters in
                                            memory and on a smart card a
     insurance coverage verification        Automated generation of reports
                                            based on insurance coverage of
                                            youthful drivers. insurance carriers
                                            can     automatically       obtain,      at
75                                          appropriate      times,      customized
                                            reports for use in monitoring
                                            insurance coverage of youthful
                                            drivers. The youthful drivers can be
                                            newly-licensed persons who reside
     BLANKET insurance CONTRACT PROBLEM TO BE SOLVED: To
     CHANGE PROCESSING SYSTEM largely improve the work efficiency of
     AND ITS METHOD, AND STORAGE change processing of a blanket
     MEDIUM WITH BLANKET insurance insurance contract and convenience
76   CONTRACT                        CHANGE of customers. SOLUTION: In this
     PROCESSING PROGRAM STORED blanket insurance contract change
     THEREIN                                processing system, an information
                                            processing terminal of a contractor of
                                            a blanket insurance contract for a
     BLANKET insurance CONTRACT PROBLEM TO BE SOLVED: To
     SYSTEM AND BLANKET insurance provide a blanket insurance contract
     CONTRACT                  PROCESSING system being a new insurance
     METHOD                                 contract system for making all
77                                          lessees substantially subscribe in an
                                            insurance,     and     for     simplifying
                                            processing without necessitating any
                                            insurance agency in a lease contract.
                                            SOLUTION: A real estate agent
     METHOD AND APPARATUS FOR PROBLEM TO BE SOLVED: To
     PROCESSING INFORMATION FOR improve the capacity of an agent and
     BLANKET            insurance      FOR to reduce the trouble of a seller in
     BUSINESS ACTIVITY                     optionally     combining       insurance
78                                         commodities necessary for business
                                           management         and    selling      the
                                           combined insurance commodity.
                                           SOLUTION:          The       information
                                           processing method for blanket
     System for electronically managing A computer-implemented system for
     and documenting the underwriting of managing the underwriting, quoting
     an excess casualty insurance policy and binding by an insurance
                                           company of an excess casualty
79                                         insurance policy for an insured
                                           having a primary insurance policy
                                           with a primary insurance limit
                                           amount. The system selects and
                                           stores at least one standard industrial
     Case management for a personal An electronic case manager for a
     injury plaintiff's law office using a personal injury plaintiffs law office in
     relational database                   which client and defendant level data
                                           related to an injury incident are
80                                         collected and organized in an
                                           efficient manner. The electronic case
                                           manager       include    a      relational
                                           database having a number of tables,
                                           and a database management
     System for transmitting self-checking A       self-checking        information
     information of a vehicle to an transmitting and accident processing
     accident service providing system     service providing system which
                                           checks information about the defect
81                                         and accident of a vehicle at a remote
                                           place, and promptly provides an
                                           accident processing service, thereby
                                           reducing the damage which is
                                           occurred by the accident. The system
     NONLIFE        insurance     BUILDING PROBLEM TO BE SOLVED: To
     DAMAGE INTEGRATION SYSTEM provide a nonlife insurance building
     AND      COMPUTER          READABLE damage integration system by which
     RECORDING MEDIUM IN WHICH a person to perform works such as
82   NONLIFE        insurance     BUILDING integration of an amount of building
     DAMAGE                  INTEGRATION damage can promptly and exactly
     PROGRAM IS RECORDED                   perform the works even when the
                                           person is a beginner and a computer
                                           readable recording medium in which
     METHOD AND SYSTEM FOR PROBLEM TO BE SOLVED: To
     DETERMINING insurance PREMIUM quickly determine an insurance
     AND COMPUTER PROGRAM                  premium of an insurance commodity
                                           which gives insurance money in the
83                                         case that the cumulative value in a
                                           prescribed period of the amount of
                                           damage at the time of occurrence of
                                           an insurance accident exceeds the
                                           amount of exemption. SOLUTION:
     Critical injury insurance systems and Systems and methods for use in
     methods                               settling mass tort claims are
                                           disclosed for determining insurance
                                           premiums         for     asymptomatic
84                                         claimants in order to provide an
                                           insured defined monetary benefit in
                                           the event of a future emergence of
                                           critical injuries associated with
                                           exposure to injurious substances or
     Computerized method and system Computer-implemented methods and
     for estimating monetary damages systems for estimating monetary
     due to injuries in an accident from damages for a vehicle accident are
     liability estimated using a computer provided. In an embodiment, injuries
85   system                                to one or more vehicle occupants in
                                           the vehicle accident may be
                                           estimated using one or more
                                           variables. Damages due to the
                                           injuries of the one or more vehicle
     METHOD            FOR      GRANTING PROBLEM TO BE SOLVED: To
     BENEFIT OF insurance, insurance provide a method for granting
     PRODUCT,           PROGRAM       FOR benefits of an insurance according to
     REALIZING THE SAME METHOD kinds of an accident and sickness to
86   AND DEVICE FOR GRANTING be a cause of hospitalization when an
     BENEFIT OF insurance                  insured person who takes out the
                                           insurance         is      hospitalized.
                                           SOLUTION: The method for granting
                                           the benefits of the insurance is
     System and method for controlling A system and method of managing
     and securitizing the cash value an actuarially credible pool of life
     growth and/or death benefits of a insurance policies to generate a
     large pool of insurance policies      consistent cash flow from death
87                                         benefits paid on the insurance
                                           policies. The system and method
                                           accessing selected data having
                                           terms associated therewith, wherein
                                           the data is representative of the pool
     SYSTEM, METHOD AND ARTICLES None
     FOR        FACILITATING        TRADE
     CREDITS

88




     FINANCING     BAD              DEBT     PROBLEM TO BE SOLVED: To
     PROCESSING SYSTEM                     easily determine a financial index and
                                           a non-financial factor of a company
                                           to easily decide approval/disapproval
89                                         of financing and an applicable
                                           interest on the basis of the credit
                                           determination and to set an
                                           insurance premium of a damage
                                           insurance against default of the
     Loans and lines of credit provided to A method for providing lines of credit
     terminally ill individuals             or loans to terminally ill and health-
                                            compromised individuals who have a
                                            qualified life insurance policy. The
90                                          loans are secured by the policy. No
                                            scheduled payments are required,
                                            and upon death, the company
                                            collects the benefits of the life
                                            insurance policy, pays off the loan
     Apparatus and method for providing A method for providing trade credit
     trade credit information and/or trade information to a user comprises
     credit insurance information           storing financial information on a
                                            memory device, receiving a request
91                                          from a user for trade credit
                                            information regarding a customer of
                                            the user, processing the request for
                                            trade credit information in conjunction
                                            with the stored information,
     Mortage financing system               The present invention is a method for
                                            providing mortgage financing to a
                                            borrower while additionally creating
                                            the opportunity for the borrower to
92                                          invest in their long and short-term
                                            financial security. In real estate
                                            purchase, a mortgage is extended for
                                            greater than the real estate purchase
                                            price. The surplus amount is applied
     System, method, and apparatus for a The system and method provide a
     complete mortgage solution for complete solution for borrowers,
     borrowers,        mortgage    brokers, brokers, mortgage bankers, and
     mortgage bankers, and investors        investors in the mortgage industry.
93                                          The      embodiments        provide    a
                                            centralized Internet system that
                                            auctions mortgage loans--a system
                                            for auctioning loans in the primary
                                            market and another for auctioning
     Product, system and method for A computer system and method for
     certification of closing and mortgage processing a mortgage loan receives
     loan fulfillment                       borrower,      property,     loan   and
                                            underwriting data entered by a lender
94                                          via a certifying company Internet web
                                            site. The system, which is operated
                                            by      the     certifying     company,
                                            communicates with outside service
                                            provider systems to order and obtain
     SYSTEM AND METHOD FOR A system and method for providing
     SUPPLY CHAIN FINANCING                 supply chain financing is provided.
                                            The system comprises an invoice
                                            system for processing at least one
95                                          invoice received from a buyer, the
                                            invoice system comprising : an
                                            invoice     reception      module    for
                                            receiving the at least one invoice
                                            from the buyer, and an invoice
      COMMODITY             TRANSACTION PROBLEM TO BE SOLVED: To
      METHOD USING INTERNET                 provide a commodity transaction
                                            method using internet, by which an
                                            insurance company guarantees the
96                                          debt of a customer, by making a
                                            contact among a non-life insurance
                                            company, a certification server and
                                            the customer for securing the credit
                                            of a contract joining store when debt
      System and method to evaluate crop A system includes a comparator to
      insurance plans                       determine and compare the relative
                                            historical performance of various
                                            crop      insurance        plans.     The
97                                          comparator         utilizes     historical
                                            information including actuarial data,
                                            historical price data, and historical
                                            yield data. The historical performance
                                            comparison is made under various
      System, method, and computer A system and method for determining
      program product for providing an equity protection insurance policy
      financial   protection     of  equity (EPIC) for investors or shareholders
      investments                           to protect their equity investment in a
98                                          business entity based on the
                                            happening of a fortuitous event is
                                            disclosed. The EPIC is in the form of
                                            an insurance policy or a put option, in
                                            which the shareholder pays lower
      COMPARISON OF insurance PLANS A system and method for generating
      THROUGH        USE     OF     COLOR comparative           information        for
      CODED GRAPHICS                        insurance programs. The system
                                            inputs     an    insurance       program
99                                          information (202) and information
                                            regarding a specific insured (204).
                                            Graphical        comparisons          and
                                            representations of the insurance
                                            programs (204) are generated so as
      System for administering a central A central depository for secure
      depository for living wills and other storage and rapid retrieval of
      associated information                important         documents           and
                                            information, such as living wills,
100                                         durable      powers       of     attorney,
                                            testamentary wills, authorization for
                                            organ donation, authorization of bone
                                            marrow donation, and insurance
                                            information. The depository includes
      ELECTRONIC          SYSTEM      FOR Electronic system for automatically
      AUTOMATICALLY TRANSFERRING transferring                a      percentage     on
      A PERCENTAGE OF A SUM, purchases, made in shops taking part
      SPENT ON PURCHASES IN SHOPS in the scheme to an insurance policy
101   INVOLVED IN THE SCHEME, TO taken out in the name of the
      AN insurance POLICY IN THE purchaser, comprising an electronic
      PURCHASER'S NAME                      complex (9) consisting of an
                                            electronic cash register (10), of an
                                            electronic card reader-writer (11) and
      Data     processing     system   with A Work Flow Manager (WFM), or
      improved work flow system and process manager, is the software to
      method                                manage and control the flow of work
                                            items from one function to the next in
102                                         a well- defined application process to
                                            achieve the complete processing of
                                            those work items. Applications of
                                            WFMs include the processing of
                                            imaged or multimedia documents
      Searching media and text information An expert system apparatus employs
      and categorizing the same employing a rule base and a knowledge base to
      expert    system      apparatus  and perform media searching. The rule
      methods                               base is specified by means of a
103                                         series of selected keywords and
                                            phrases which are entered in by a
                                            user. The phrases are further
                                            selected in conjunction with a
                                            General Information display enabling
      Digital   computer      system   and In a system and methods for using a
      methods for computing a financial data processing system including a
      projection and an illustration of a programmed            electrical     digital
      prefunding program for an employee computer          having    a     processor
104   benefit                               electrically connected to an input
                                            device and to an output device,
                                            generating financial projections and
                                            an illustration of an employee benefit
                                            program. The digital computer
      Rule based document generation Documents                are       automatically
      system                                generated by assembling a plurality
                                            of clauses selected from a library of
                                            clauses stored in a computer system.
105                                         A rule set is assigned to each of the
                                            clauses. Each rule set provides at
                                            least one rule that must be satisfied
                                            in order to include the clause
                                            associated therewith in a document.
      System and method for managing A system and method for managing
      insurance claim processing            and processing insurance claims is
                                            provided that implements an object
                                            oriented graphic user interface. The
106                                         system includes at least one remote
                                            computer for entering and viewing
                                            insurance claim information. A wide
                                            area       network       capable        of
                                            communicating with the remote
      Method for accessing and evaluating A method of controlling a computer
      information     for   processing  an network to render information needs
      application for insurance             and risk evaluative decisions includes
                                            the matching of profiles, defined by
107                                         data characteristics and collective
                                            characteristics, to customer data.
                                            Multiple profiles are matched to arrive
                                            at a consensus decision, in addition
                                            to providing a rationale and summary
      CLAIM PROCESSING SYSTEM               A claim processing system (10)
                                            releases funds to a user (11) who
                                            communicates a claim over a
                                            telephone network (13) to data
108                                         processor (14) adapted to execute
                                            algorithm       (15).     When       the
                                            requirements of the algorithm have
                                            been met, the claim will be paid into
                                            the bank account (16) of the user
      MEDICAL COMPUTER           DEVICE        PROBLEM TO BE SOLVED: To
      FOR DENTISTRY                         correctly      manage        accounting
                                            information by storing a temporary
                                            flag for performing 'temporary
109                                         registration' in receiver information
                                            even      when      insurance     policy
                                            information is unclear. SOLUTION:
                                            When an operator presses a
                                            registration button without performing
      System for registering insurance      A system for registering insurance
      transactions and communicating with   transactions and communicating the
      a home office                         insurance transactions to a home
                                            office computer, preferably on a
110                                         nightly basis. The system includes a
                                            plurality      of       communications
                                            interfaces and portable computers
                                            assigned to respective insurance
                                            agents, each of the portable
      System for electronically auditing    A computer-implemented system for
      exposures used for determining        auditing a total exposure of an entity,
      insurance premiums                    the total exposure forming the basis
                                            of a premium amount to be charged
111                                         to the entity for an insurance policy. A
                                            first means for receiving a plurality of
                                            exposure information records from a
                                            first source is provided. Each of the
                                            exposure information records from
      Integrated    system for   the        An integrated system for the
      administration of an insurance        administration         of     insurance
      company                               companies is disclosed which
                                            includes a personal computer, a
112                                         network and one or more file servers.
                                            The system further includes software
                                            for performing a plurality of functions
                                            which are interconnected and
                                            automatic. Manually entered data is
      AN ELECTRONIC         OUT-TRADE         An electronic out- trade insurance
      insurance SYSTEM                      system is provided in which a user
                                            specifies an insurance profile and a
                                            premium quote is calculated. Out-
113                                         trade insurance concerns insurance
                                            provided to commodity traders to
                                            protect against losses arising from
                                            unmatched trades. The calculation of
                                            an out-trade insurance premium is a
      LEGAL    CLAIMS  PROCESSING              An Integrated and automated system
      SYSTEM AND METHODS OF                   for use in caseload management is
      LITIGATION MANAGEMENT USING             disclosed. The system includes a
      THE SAME                                central hub (20) having an authorized
114                                           subscriber database (26), a routeur
                                              (22), and a selector (24). Each
                                              authorized subscriber is linked (27) to
                                              the central hub (20) via a subscriber
                                              system (30). The subscriber system
      System for syndication of insurance     A system is described for facilitating
                                              a syndicated sale of an insurance
                                              policy. The system employs a
                                              processor and a storage device
115                                           connected to the processor, and a
                                              data receiving device and data output
                                              device connected to the processor.
                                              The processor executes a program
                                              to receive information relating to the
      System and method for replacing a       A system and method for replacing a
      liability with insurance and for        self insurance with insurance,
      analyzing data and generating           employing a premium financing
      documents pertaining to a premium       mechanism with a payout pattern
116   financing mechanism paying for such     determined in consideration of an
      insurance                               estimated payout of the self
                                              insurance to pay for the insurance,
                                              identifying employers for whom
                                              leaving self insurance may be
      Apparatus     and     method     for    An apparatus and method for
      processing      lease     insurance     processing         lease      insurance
      information                             information which includes a memory
                                              device for storing a first data set,
117                                           wherein the first data set contains
                                              information for generating at least
                                              one of an insurance premium and an
                                              insurance policy for providing lease
                                              insurance for excess wear and tear
      System and method for designing         A computer-implemented system and
      and administering survivor benefit      method         for    designing     and
      plans                                   administering self-funded survivor
                                              benefit plans is disclosed. The
118                                           system includes a specific purpose
                                              computer programmed with several
                                              computer software modules that
                                              enable the system to carry out the
                                              method disclosed. The system also
      Data mining based        underwriting   A computer implemented method of
      profitability analysis                  underwriting profitability analysis
                                              delivers the analytic process to a
                                              wide cross section of insurance
119                                           decision makers. The underwriting
                                              profitability analysis system leverages
                                              an existing investment in databases
                                              and improves underwriting business
                                              processes. Data mining techniques
      DEFINING A UNIFORM SUBJECT                  An interlingual mechanism to
      CLASSIFICATION      SYSTEM              achieve uniformity when classifying
      INCORPORATING    DOCUMENT               anything by subject. Using generic
      MANAGEMENT/RECORDS                      terminology in an especially oriented
120   RETENTION FUNCTIONS                     hierarchical structure, it directs the
                                              user to a single classification. The
                                              system        captures        acronyms,
                                              vernacular and industry-specific, as
                                              well as foreign terms, into a
      Method and apparatus of creating a      An operatively interconnected data
      financial      instrument         and   processing and computing system is
      administering an adjustable rate loan   provided for creating, servicing and
      system                                  paying loan agreements between a
121                                           lender and borrower providing for
                                              repayment of the loan together with
                                              interest at a periodically adjusted rate
                                              based on the terms of the
                                              agreement. The system includes
      METHOD    AND    SYSTEM   OF              A system (10) for encoding and
      ENCODING AND PROCESSING                 encompassing healthcare provider
      ALTERNATIVE       HEALTHCARE            billing, more particularly, a computer
      PROVIDER BILLING                        assisted network for encoding,
122                                           documenting and processing claims
                                              (18) for payment of specific
                                              procedures by alternative therapy
                                              providers          (12),        grouped
                                              geographically and by specialty. The
      Interactive   self-service   vending    A system for vending insurance
      system                                  policies     includes       stand-alone,
                                              interactive self-service terminals
                                              coupled to a central office over a
123                                           communication link. The terminals
                                              are normally off-line, but periodically
                                              are placed on line for transmitting
                                              data to, and updates from, the central
                                              office. The terminals, which include a
      RELIANCE         SERVER    FOR          Managing reliance in an electronic
      ELECTRONIC          TRANSACTION         transaction system includes a
      SYSTEM                                  certification authority issuing to a
                                              subscriber an attestation of a binding
124                                           of at least one public key of the
                                              subscriber to at least one attribute,
                                              and forwarding to a reliance server,
                                              information     about      the    issued
                                              attestation. The reliance server
      SYSTEM    FOR  GENERATING                 PROBLEM TO BE SOLVED: To
      insurance        INSURING               flexibly generate a block copy by
      RECOMMENDATION DATA, ITS                each enterprise and to provide it to a
      METHOD AND THE insurance                small scale enterprise by generating
125   INSURING   RECOMMENDATION               block copy data of insurance system
      DATA                                    contents to be applied to whole
                                              members and printing individual
                                              member       data     one     by    one.
                                              SOLUTION: A database storage part
      Computer apparatus and method for         A method for using a digital electrical
      generating documentation using a          apparatus to electrically process
      computed value for a claims cost          signals in generating output for
      affected by at least one concurrent,      insurance documentation for a first
126   different insurance policy for the        insurance policy for a first risk having
      same insured                              a claims cost reflecting: a concurrent
                                                second insurance policy for a second
                                                risk, the second risk being different
                                                from the first, the policies being for
      System for managing a stable value        Method and system to track,
      protected investment plan                 reconcile and administer the values
                                                of life insurance policies in separate
                                                accounts, including Stable Value
127                                             Protected        funds.      Accordingly,
                                                targeted returns are translated into
                                                unit values on a daily basis for each
                                                fund. Additionally the system tracks
                                                restrictions (e.g., timing, amount of
      DISTRIBUTED NETWORK BASED                  A system, in which information is the
      ELECTRONIC WALLET                         primary asset and in which
                                                investments may be made in
                                                information, includes multiple data
128                                             stores for storing different types of a
                                                user's information. The safe, secure
                                                and properly authorized transfer of
                                                information        while      preserving
                                                individual privacy is provided. The
      AGENT-CENTRIC               insurance     A method and apparatus are
      QUOTING SERVICE                           provided that allow insurance agents
                                                to virtually present insurance quotes
                                                to potential clients over the Internet
129                                             and the web. This is accomplished by
                                                first collecting information from a
                                                user and generating an insurance
                                                quote based on the information
                                                collected from the user. An agent list
      INTEGRATED     BUSINESS-TO-                  The present invention, generally
      BUSINESS WEB COMMERCE AND                 speaking, provides software that
      BUSINESS AUTOMATION SYSTEM                enables end-to-end, business-to-
                                                business Web commerce (Web
130                                             business, or e- business) and that
                                                automates to the greatest degree
                                                possible, in a unified and synergistic
                                                fashion and using best proven
                                                business practices, the various
      Method           for       constructing   The invention considers a widely
      segmentation-based           predictive   applicable method of constructing
      models from data that is particularly     segmentation-based             predictive
      well-suited for insurance risk or         models from data that permits
131   profitability modeling purposes           constraints to be placed on the
                                                statistical estimation errors that can
                                                be tolerated with respect to various
                                                aspects of the models that are
                                                constructed. The present invention
      METHOD AND SYSTEM FOR Electronic transactions are facilitated
      FACILITATING TRANSACTIONS           by populating a platform with objects
                                          corresponding to each necessary
                                          aspect of the transaction. Customer
132                                       requirements, transactional channels
                                          and      provider's    products    are
                                          characterized within corresponding
                                          objects. Relationships, both desired
                                          and actual, are characterized by
      AUTOMATED           DEVICES      TO This application describes devices
      CONTROL         EQUIPMENT       AND (100, 200, 300, 400, 500, 600) to
      MACHINES         WITH      REMOTE reduce a vehicle's speed and/or
      CONTROL AND ACCOUNTABILITY reduce a machine's RPMs and/or
133   WORLDWIDE                           stop any piece of equipment as well
                                          as guide it if mobile through
                                          automated controls (700). The
                                          devices (100, 200, 300, 400, 500,
                                          600) function to slow down, and
      System and methods for card An apparatus and method for a card
      payment instrument with rebate payment instrument providing that a
      applied to an insurance premium     percentage of consumer spending is
                                          rebated to the consumer for payment
134                                       of premiums or the like for an
                                          account with an insurance company.
                                          In one version, an applicant provides
                                          a benefiting insurance account
                                          number to which the rebate is
      Estimation method and system for In securities valuation, in setting the
      complex securities, and portfolio initial offering price of a financial
      structuring, using low-discrepancy instrument, or in later revaluation as
      deterministic sequences             financial parameters such as interest
135                                       rates may change, an estimate of the
                                          value of the instrument may be
                                          represented as a multi-dimensional
                                          integral. For evaluation of the
                                          integral, numerical integration is
      insurance BUSINESS PROCESSING PROBLEM TO BE SOLVED: To
      SYSTEM, DEVICE AND METHOD quickly, efficiently and electronically
      FOR PREPARING insurance SLIP, process the information filled in a
      AND         COMPUTER-READABLE form, such as the insurance slip.
136   RECORDING MEDIUM RECORDED SOLUTION: The insurance salesman
      WITH PROGRAM FOR EXECUTING of an insurance agency etc. carries
      THE METHOD BY COMPUTER              portable terminal equipment 20 and a
                                          portable printer 21 in the place of a
                                          customer and presents the content of
      Method for hedging the risks of e- Rapid procedure for insuring against
      commerce businesses                 risks involved in purchasing online in
                                          which a potential transaction is
                                          checked on an insurance database of
137                                       companies registered with the
                                          insurance provider to check credit-
                                          rating etc. Procedure in which web-
                                          based e- commerce transactions are
                                          insured against by a very rapid
      SYSTEM AND METHOD FOR                  PROBLEM TO BE SOLVED: To
      ANALYZING RISK, SYSTEM AND           provide insurance design technique
      METHOD        FOR     DESIGNING      without requiring the adjustment of
      insurance, insurance AGREEMENT       superimposed mortgage contents
138   GENERATING       METHOD,    RISK     and the check of propriety concerning
      ANALYZING              PROGRAM       a combining method when a plurality
      OPERATED ON COMPUTER AND             of insurance merchandises are
      RECORDING                MEDIUM      combined. SOLUTION: Accident
      RECORDING insurance DESIGN           example information having
      SYSTEM AND METHOD FOR                None
      INTEGRATING             TRADING
      OPERATIONS INCLUDING THE
      GENERATION, PROCESSING AND
139   TRACKING      OF    AND   TRADE
      DOCUMENTS



      Internet-enabled lead generation     A method of generating intender
                                           leads in a distributed computer
                                           system includes the steps of
                                           identifying purchase indicators and
140                                        extracting prospect identifiers from
                                           the purchase indicators. Purchase
                                           indicators are pieces of data that
                                           represent a potential future purchase
                                           by a prospect. For example, an
      SYSTEM, DEVICE AND METHOD              PROBLEM TO BE SOLVED: To
      FOR             SUPPORTING           simplify the customer contract
      MERCHANDISE    SALES  AND            management by an agency, and to
      PROGRAM RECORDING MEDIUM             improve the retrieving function of an
141                                        prospective customer. SOLUTION: A
                                           customer contract data base 22 is
                                           provided with customer profiles and
                                           the already existing merchandise
                                           sales contract information of each
      Method and apparatus for providing   An apparatus for providing responses
      responses for requests of off-line   for requests of an off-line client 92,
      clients                              comprising: a local request-response
                                           storage 703 which stores a plurality
142                                        of requests and a plurality of
                                           responses; network traffic redirector
                                           701, for redirecting requests of the
                                           client to the client machine itself by
                                           modifying system configuration of the
      SLIP FOR insurance, APPARATUS          PROBLEM TO BE SOLVED: To
      AND METHOD FOR FORMING THE           improve quality and quantity of a
      SAME                                 service or information to be provided
                                           for an insurance contractor or the like
143                                        of an insurance company, an
                                           insurance agent or the like.
                                           SOLUTION: The slip 10A for the
                                           insurance can be used for an
                                           insurance certificate, a continuation
      Method of using personal device with A     method     of     authorizing      a
      internal biometric in conducting commercial transaction between a
      transactions over a network          customer and a provider of goods or
                                           services over a network, wherein the
144                                        provider of goods or services
                                           requests that the customer provide
                                           authentication     by     activating     a
                                           fingerprint identification device, and
                                           the provider of goods or services
      PORTABLE ELECTRONIC CHARGE A portable transaction arrangement
      AND AUTHORIZATION DEVICES for permitting a user (200) to conduct
      AND METHODS THEREFOR                 a transaction vis-α-vis a charge card
                                           terminal of an electronic transaction
145                                        system (102). The charge card
                                           terminal      is      configured        to
                                           communicate with a charge card for
                                           the purpose of conducting the charge
                                           card transaction. The charge card is
      METHOD TO CALCULATE COST PROBLEM TO BE SOLVED: To
      AND COMPENSATION, AND TO provide                 a    method       that   can
      APPLY insurance POLICY               compensate reasonably a loss
                                           without burdening users with any cost
146                                        when the loss occurs by minimizing
                                           the data loss even if the data is lost.
                                           SOLUTION:        The       method       of
                                           calculating costs and compensations
                                           is to create backup data copies of the
      TRIAL CALCULATION RESULT PROBLEM TO BE SOLVED: To
      DISPLAY        METHOD,        TRIAL investigate the insurance products of
      CALCULATION         SYSTEM     AND a plurality of           companies       by
      COMPUTER SYSTEM                      comparison through the use of the
147                                        input of a signal trial calculation
                                           condition.    SOLUTION:         A    trial
                                           calculation system is provided with a
                                           service provider's server 1, a user's
                                           computer 2 and the computers 7, 8
      A METHOD AND SYSTEM FOR None
      DELIVERING              CUSTOMER
      SERVICES       TO    INDEPENDENT
      insurance AGENTS
148




      PARTIAL      REBATE   REFUND PROBLEM TO BE SOLVED: To
      SYSTEM FOR insurance PREMIUM provide a system which refunds part
      OF insurance ARTICLE         of a payed premium to a person who
                                   has made plural insurance contracts.
149                                SOLUTION: This system is featured
                                   by a name gathering step for
                                   gathering the names of plural
                                   insurance contracts made by the
                                   same insurant when the insurant has
      A SYSTEM AND A METHOD FOR      Disclosed is a system for generating
      GENERATING insurance POLICY   and executing an insurance policy for
      AVOIDING INVESTMENT RISK FOR  avoiding the investment risk in a
      ENTERPRISE                    venture company, which comprises
150                                 an interface for receiving a user ID
                                    number,     an     insurance    policy
                                    requirement,     a    company       for
                                    investment and insurance period, and
                                    receiving and transmitting the data of
      A METHOD AND SYSTEM FOR The invention relates to a method
      ACTIVATING/DEACTIVATING       and system for activating/deactivating
      PREPAID insurance POLICIES BY an insurance contract purchased by
      TELEPHONE                     means of a prepaid card and/or
151                                 contract, for obtaining insurance
                                    coverage only in the desired periods.



      insurance BUSINESS SERVICE PROBLEM TO BE SOLVED: To
      SYSTEM AND AGENCY SERVER       provide an insurance business
                                     service system, etc., having high
                                     convenience. SOLUTION: An agency
152                                  server 3 has an agency homepage
                                     and supplies the agency homepage
                                     to a user terminal 1 in response to
                                     access from the user terminal 1.
                                     When a menu about insurance
      Risk assessment and management A method of             analyzing and
      system                         presenting a series of risk factors
                                     associated with the operation of a
                                     business,      such     as    a    bank.
153                                  Quantifiable       risk   factors    are
                                     identified. Ranges of acceptable and
                                     unacceptable values for the factors
                                     are selected and arranged to each
                                     factor. Each risk factor has an
      GRAPHICAL USER INTERFACE In a computer-related apparatus that
      FOR DISPLAYING ALTERNATIVES includes a programmable controller
      FOR TRANSFERRING ESTATE (102), input device (104), a graphical
      ASSETS TO HEIRS                user interface displayed on the
154                                  display device provides a numerical
                                     illustration of the net dollar amount
                                     available to heirs if a specified dollar
                                     amount of assets each year is
                                     allocated to each of several estate
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      MAINTENANCE MANAGEMENT OF provide a system and a method for
      STRUCTURE AND ITS CONTENT maintenance management of a
      FILE STORAGE DEVICE            structure, which enable financing
155                                  from an insurance system, a rental
                                     system, securities, etc., by improving
                                     a management system for a structure
                                     only by tax and subsidies by making
                                     it possible to introduce private funds
      Method and apparatus for facilitating An information system ( 12 ) for
      an anonymous information system storing personal information of a
      and anonymous service transactions customer ( 20 ) is provided herein.
                                            The customer ( 20 ) preferably
156                                         communicates with the information
                                            system ( 12 ) using the Internet.
                                            Further, the customer ( 20 )
                                            preferably uses an anonymous
                                            identifier ( 320 ) to gain access to the
      insurance ESTIMATION SYSTEM             PROBLEM TO BE SOLVED: To
                                            provide an insurance estimation
                                            system which enables a customer to
                                            easily obtain the latest accurate
157                                         article contents and an estimation
                                            result in a short time and an
                                            insurance company to speedily follow
                                            a procedure needed to complete a
                                            subsequent contract, etc.
      insurance    AGENT       CONTACT An online insurance information
      SYSTEM                                system comprises an insurance
                                            quoting system (22), an agent
                                            contact system (12), agent systems
158                                         (16), and customer systems (14).
                                            The agent contact system (12)
                                            comprises a customer interfacing
                                            subsystem, a create contact engine,
                                            an agent interfacing system, and a
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      insurance CALCULATION                 provide an insurance calculation
                                            system which can rationally make an
                                            insurance discount over a wide
159                                         range.       SOLUTION:         insurance
                                            contracts made with the same
                                            contracting person are retrieved (step
                                            303) and the amount of dealings with
                                            the contracting person is calculated
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      CALCULATING      DIVIDEND         OF provide a disbursement system which
      insurance ARTICLE                     is easy to understand the mechanism
                                            for the dividend of an insurance
160                                         article and is hopeful. SOLUTION:
                                            The dividend calculation system is
                                            equipped with a means which stores
                                            points determined every year, an
                                            accumulating means 45 which
      METHOD AND SYSTEM FOR PROBLEM TO BE SOLVED: To
      insurance              CONTRACT handle even alterations, mistakes,
      PAPERWORK PROCESSING, AND etc., in contract contents which are
      PORTABLE                TERMINAL unexpected immediately prior to a
161   APPARATUS       FOR       insurance contract and to perform paperwork
      CONTRACT            PAPERWORK processing regarding an insurance
      PROCESSING                            contract more efficiently. SOLUTION:
                                            Customer data, regarding insurance
                                            contract which are transmitted by a
      RISK ANALYSIS SYSTEM              PROBLEM TO BE SOLVED: To
                                      provide a risk evaluation system
                                      which can analyzes risks totally in
                                      general regarding personal life and
162                                   examine and propose necessary
                                      insurance. SOLUTION: This risk
                                      analysis system is equipped with
                                      classified risk storage areas where
                                      insurance risks are classified and
      SERVICE    MONEY   PAYMENT        PROBLEM TO BE SOLVED: To
      METHOD BASED ON insurance       quickly and reliably give service
      CONTRACT USING CREDIT CARD,     compensation        to    an    insurer.
      AND     SERVICE   PROVIDER      SOLUTION: An assured person 20
163   RETRIEVAL DEVICE                holds a credit card issued by a credit
                                      card issuer associated with an
                                      assurer 10. When the assured
                                      person 20 communicates with a call
                                      center 50, the center 50 retrieves the
      SYSTEM AND METHOD FOR             The present invention is a method
      MANAGING        TIER-PRICED     and system for managing the sale of
      COMMODITY TRANSACTIONS          a tier-priced commodity (8). The
                                      method of the invention includes
164                                   determining the price of a commodity
                                      (8) at two or more tiers and
                                      calculating a risk coefficient based
                                      upon the risks associated with
                                      purchasing the commodity (8) at a
      ELECTRONIC STATEMENT, BILL          An electronic statement, bill
      PRESENTMENT AND PAYMENT         presentment and payment system
      SYSTEM AND METHOD               and method includes a customer
                                      client software program (120) and
165                                   client database (112), and a biller
                                      server software program (126) and
                                      server database (128) connected
                                      over an electronic information
                                      network. A customer enrolls with a
      METHOD AND SYSTEM FOR             A method for providing financial
      PROVIDING FINANCIAL SERVICES    services, such as lending, investment
                                      and/or insurance services, including
                                      the steps of obtaining from a
166                                   customer personal and financial data
                                      and a specification of at least one
                                      required financial service, generating
                                      financial indicator data, such as profit
                                      and loss, balance sheet and cash
      GROUP       insurance   ENTRY     PROBLEM TO BE SOLVED: To
      INVITATION SYSTEM               provide a group insurance entry
                                      invitation    system,     capable     of
                                      efficiently and easily inviting a group
167                                   insurance entry. SOLUTION: A
                                      member inputs insurance application
                                      data in accordance with an invitation
                                      application screen displayed on a
                                      member terminal 32. The application
      PREMIUM CALCULATING SYSTEM               PROBLEM TO BE SOLVED: To
                                             provide a premium calculating
                                             system capable of accurately and
                                             quickly calculating a premium at the
168                                          time of preparing and changing the
                                             contents of an insurance contract.
                                             SOLUTION: A form read from a form
                                             storing part 11 of the premium
                                             calculating system 10 by a form
      RISK ANALYSIS SYSTEM AND                 PROBLEM TO BE SOLVED: To
      METHOD,        insurance     DESIGN    provide      an    insurance    design
      SYSTEM AND METHOD, insurance           technique       which     needs     no
      CLAUSE PREPARING METHOD,               adjustment of duplicate security
169   RISK      ANALYSIS        PROGRAM      contents and also needs no checking
      OPERATING ON COMPUTER, AND             of validity about combination of
      RECORDING MEDIUM RECORDED              insurance products when plural
      WITH        insurance        DESIGN    insurance products are combined
      PROGRAM OR insurance CLAUSE            together. SOLUTION: The accident
      Method      and      apparatus   for   The invention relates to a method of
      coordinating services                  coordinating or arranging services,
                                             such as automotive glass repair
                                             services for the policyholders of an
170                                          insurance company, and to an
                                             apparatus for practicing the method.
                                             The method includes providing a
                                             database of service providers,
                                             obtaining service need information
      ELECTRONIC               FUNDS            A system and method for
      DISBURSEMENT       SYSTEM AND          electronically disbursing funds is
      METHOD                                 provided in which no paper
                                             documentation need be completed or
171                                          analyzed by the account holder,
                                             system provider or owner of the
                                             funding account. The system and
                                             method allows a user to create and
                                             maintain accounts in which there is at
      DEVICE AND METHOD FOR                    PROBLEM TO BE SOLVED: To
      PROVIDING   insurance PLAN,            provide an insurance plan providing
      DEVICE AND METHOD FOR                  device for efficiently presenting an
      PROVIDING   ARTICLE   PLAN,            insurance plan matched to the
172   DEVICE AND METHOD FOR                  request of a user to the user.
      PROVIDING INFORMATION AND              SOLUTION: In the insurance plan
      RECORDING MEDIUM                       providing device for presenting the
                                             insurance plan, this device is
                                             provided with an insurance plan
      METHOD AND SYSTEM FOR                    PROBLEM TO BE SOLVED: To
      CHARGES              FORWARD           provide a processing method and a
      PROCESSING      OF    EXPENSE          processing system for permitting a
      BEING     OBJECT   ITEM    FOR         person except an insured person to
173   insurance MONEY OR BENEFIT             surely pay for the insured person by a
                                             time when insurance or benefit is
                                             actually paid when the expense
                                             which can be covered by insurance
                                             or benefit is caused. SOLUTION:
      CUSTOMER     CONFIRMATION         PROBLEM TO BE SOLVED: To
      SYSTEM AND METHOD, SERVICE      carry out transactions by confirming
      PROVISION SUPPORT SYSTEM        that one customer perform the
      AND METHOD, AND SERVER          transactions without unifying and
174   DEVICE                          managing pieces of transaction
                                      information of the customer nor
                                      following any document procedure for
                                      seal matching. SOLUTION: The left
                                      process flow shows that a customer
      insurance ACCEPTING   SYSTEM,     PROBLEM TO BE SOLVED: To
      insurance ACCEPTING   SERVER,   make an insurance contract by
      AND CLIENT TERMINAL             properly assessing an insurance
                                      object through commercial line such
175                                   as the internet at the time of
                                      contracting     for    an    insurance.
                                      SOLUTION: In order to assess an
                                      article to be insured which is an
                                      insurance object in a client terminal,
      METHOD AND APPARATUS FOR         An insurance transaction processing
      NETWORK-BASED AUTOMATED         system      is    comprised      of    a
      insurance    TRANSACTION        management system (230) that
      PROCESSING                      includes a variety of workstations
176                                   (205, 250) configurable for any of a
                                      variety of users interfaced with a
                                      database management system that
                                      includes a set of engines and
                                      servers. Agents and clients may
      insurance BUSINESS SUPPORTING     PROBLEM TO BE SOLVED: To
      METHOD AND ITS SYSTEM           provide an insurance business
                                      supporting method and its system
                                      capable of totally adding respective
177                                   conditions such as an available
                                      business area, business experience,
                                      evaluation of past work, a traffic time
                                      to a service providing place for
                                      quickly and efficiently extracting a
      METHOD AND DEVICE        FOR      PROBLEM TO BE SOLVED: To
      DECIDING PREMIUM RATE           provide a method for calculating a
                                      premium rate of newly introduced
                                      insurance.       SOLUTION:          This
178                                   premium rate deciding method for
                                      calculating a premium rate of the
                                      insurance comprises: an insured
                                      person age-specific death rate
                                      calculating step for previously finding
      SYSTEM AND METHOD FOR             PROBLEM TO BE SOLVED: To
      PREMIUM RATE SETTLEMENT         provide a system and a method
      FOR insurance AGENCY            allowing reduction of an office job
                                      load such as legal bookkeeping,
179                                   deposit of a received premium to an
                                      agency account,          and     monthly
                                      settlement business of an insurance
                                      agency and early receipt of an
                                      agency commission in premium
      SERVICE            CONTRACT       PROBLEM TO BE SOLVED: To
      INFORMATION     PROCESSING        provide an insurance contract
      DEVICE,     ITS     METHOD,       support system for realizing an
      RECORDING     MEDIUM,   AND       insurance contract having an appeal
180   PROGRAM SIGNAL                    to both an insurance company and a
                                        contractor    and    supporting     an
                                        appropriate    judgement     of    the
                                        insurance contract. SOLUTION: This
                                        system allows the contractor of a
      COMPUTER-READABLE                   PROBLEM TO BE SOLVED: To
      RECORDING     MEDIUM  WITH        allow an insurance agency or a
      insurance SALES SUPPORTING        trainee having poor experience to
      DATA RECORDED THEREON             perform business activity without
181                                     depending on intuition and to support
                                        business activity thereafter by
                                        systematically     and     objectively
                                        grasping the business activity.
                                        SOLUTION: In this insurance sales
      POINT MANAGING METHOD AND           PROBLEM TO BE SOLVED: To
      PRIVILEGE OF POINT PROVIDING      decrease the cancel rate of
      SYSTEM FOR insurance DEALING      insurance dealings. SOLUTION: An
                                        insurance dealings database 21
182                                     provided at an insurance system
                                        center 20 decides, computes, and
                                        issues points according to insurance
                                        contractor data, and insurance data,
                                        and continuance data, and insurance
      insurance CONTRACT CHANGING         PROBLEM TO BE SOLVED: To
      SYSTEM, ITS METHOD, CLIENT        construct an insurance system in
      TERMINAL, insurance CONTRACT      which the life custom of a contractor
      CHANGE MANAGING SERVER            after the contract can be reflected.
183   AND RECORDING MEDIUM              SOLUTION: An insurance contract
                                        changing system 1 is constituted of a
                                        base station 1, a portable telephone
                                        terminal 4 and a managing server 5
                                        which are mutually connected via a
      OBJECT     FRAMEWORKS       FOR   None
      REinsurance


184




      SYSTEM   FOR      PROCESSING PROBLEM TO BE SOLVED: To
      PAYMENT OF insurance PRODUCT provide a payment processing
      AND RECORDING MEDIUM         system for supporting an insurance
                                   service form which is attractive to
185                                both of an insurance company and a
                                   contractor. SOLUTION: The payment
                                   processing system 1 is constituted by
                                   providing a database management
                                   system(DBMS) 15 holding contract
      Authorization key     system  for   The present invention provides
      selectively    controlling   the    methods        and     apparatus      for
      performance of a data processing    authorizing       a     temporary      or
      system                              permanent         increase      in   the
186                                       performance of a data processing
                                          system while providing little or no
                                          down time. This is accomplished by
                                          including extra or additional computer
                                          resources in the data processing
      insurance     MANAGEMENT              PROBLEM TO BE SOLVED: To
      APPARATUS,        insurance         easily manage and update insurance
      MANAGEMENT  METHOD     AND          terms in a group insurance.
      COMPUTER READABLE RECORD            SOLUTION:             An       insurance
187   MEDIUM                              management apparatus 200 acquires
                                          information on each member from a
                                          member data base 22 managed by a
                                          group, and sets the insurance
                                          amount and premium rate of each
      METHOD AND SYSTEM FOR                 The invention concerns a method
      PROVIDING insurance SERVICES        and system for providing insurance.
                                          Employing the invention involves the
                                          use of one or more forms capable of
188                                       interacting with a computer system or
                                          network, each form comprising sheet
                                          material such as paper which has
                                          coded data printed on it and which
                                          allows it to interact with the computer
      insurance MANAGEMENT SERVER           PROBLEM TO BE SOLVED: To
      AND      insurance CONTRACT         enable an insured person to take out
      SYSTEM                              necessary insurance only at need,
                                          and to calculate premium according
189                                       to various kinds of terms in the
                                          duration of insurance. SOLUTION:
                                          An insurance management server 20
                                          is provided with an insurance
                                          information receiving means 21 for
      insurance AMOUNT CALCULATING        PROBLEM TO BE SOLVED: To
      SYSTEM AND METHOD                   provide an insurance article allowing
                                          funds reserved by insurance to be
                                          freely used. SOLUTION: A customer
190                                       performs payment 101 for a simple
                                          premium,           which        becomes
                                          government funding for a reserve
                                          fund 501. After that, payout 301 of
                                          the fund can be always done from the
      MINISTRY SPECIALIZED insurance      Abstract of the Disclosure The
      TRANSACTION           OBJECT        present invention involves a ministry
      ORIENTED SYSTEM AND METHOD          and religious institution insurance
                                          transaction system and method
191                                       which allows for quoting, rate
                                          determination, policy creation and
                                          saving quote and policy application
                                          information through a web based
                                          interface linking a remote insurance
      Methods and systems for retrieval Process and system for locating,
      and digitization of records       copying and sending requested
                                        records, such as medical records.
                                        The system includes a data
192                                     processing center which acts as a
                                        central clearing house for processing
                                        the    requests,    requesters   that
                                        generate the requests, and providers
                                        in possession of the requested
      SYSTEM FOR MANAGING RISK None
      TRANSACTIONS


193




      LIFE STYLE OPTIMIZATION AND          PROBLEM TO BE SOLVED: To
      PROPOSAL SYSTEM AND ITS            optimize and propose a necessary
      SERVER DEVICE, LIFE STYLE          security amount and a necessary
      OPTIMIZING AND PROPOSING           pension      amount     according      to
194   METHOD,    AND    RECORDING        contents correction between a
      MEDIUM                             customer and an insurance company
                                         after the current life style of the
                                         customer is diagnosed. SOLUTION:
                                         Multiple customer terminals 1 and a
      insurance DEALER INTRODUCTION        PROBLEM TO BE SOLVED: To
      SYSTEM AND ITS METHOD              provide a system introducing the
                                         dealer for insurance contract to a
                                         customer. SOLUTION: A customer
195                                      performs access from a customer
                                         terminal 1 to an agent introduction
                                         server     2,    and    receives    the
                                         introduction of the agent for
                                         insurance contract. At that time, the
      INTEGRAL       MANAGEMENT            PROBLEM TO BE SOLVED: To
      SYSTEM     FOR     insurance       provide a convenient function for
      CONTRACT    AND    BANKING         allowing      customers      to  utilize
      ACCOUNT OF SAME CUSTOMER           insurance contracts and banking
196                                      accounts. SOLUTION: An insurance
                                         contract management part 22
                                         manages the insurance contracts of
                                         customers. The insurance contract is
                                         composed of a premium reservation
      insurance CONTRACT        SYSTEM     PROBLEM TO BE SOLVED: To
      AND ITS METHOD                     support a customer to offer an
                                         insurance any time, immediately
                                         acquire an insurance policy and
197                                      smoothly       and    reasonably      do
                                         insurance         contacting      work.
                                         SOLUTION: Special forms to be
                                         used for printing insurance policies
                                         are previously distributed to
      insurance MARKETING METHODS               A method of purchasing and selling
                                               insurance      includes    transmitting
                                               property information (3001-3015),
                                               having the property information (3001-
198                                            3015) analyzed, modifying at least
                                               one         quotation        calculation
                                               underwriting rule based on the
                                               analysis of the information, creating
                                               an insurance pricing model (3400)
      System and method for assisting a        A method for assisting buyers in
      buyer in selecting a supplier of goods   selecting a supplier of a good or
      or services                              service begins by receiving a price
                                               quote for the good or service from
199                                            the supplier. A request is then
                                               submitted to an insurance company
                                               requesting the company to issue a
                                               policy for reimbursing the buyer for
                                               economic damage the buyer may
      SYSTEM AND METHOD FOR                      PROBLEM TO BE SOLVED: To
      PROCESSING    TRANSACTION,               provide a system and method for
      AND   COMMODITY  HANDLING                processing transactions, which can
      SERVER                                   effectively process the materialization
200                                            of a transaction and collecting of the
                                               cost. SOLUTION: An employee
                                               accesses a WWW server 32 of a
                                               payroll management center 30 from a
                                               terminal 22 via a network and inputs
      COMPUTER    SYSTEM,    AND                 PROBLEM TO BE SOLVED: To
      METHOD   FOR    CONFIRMING               early confirm the contents of money
      MONEY RECEPTION CONTENTS                 reception.       SOLUTION:         This
                                               computer system is provided with a
201                                            means for receiving the designation
                                               of the arbitrary combination of a
                                               plurality of remittance schedules
                                               including sum and money reception
                                               events (for example, initial insurance
      AUTOMATIC        ASSESSMENT                PROBLEM TO BE SOLVED: To
      METHOD AND ITS SYSTEM                    provide an automatic assessment
                                               method and system in which
                                               insurance policy issuing time can be
202                                            shortened by automating assessment
                                               processing. SOLUTION: A plurality of
                                               conditions related with automatic
                                               assessment are preset, and the data
                                               of the application contents of
      METHOD AND SYSTEM                FOR       PROBLEM TO BE SOLVED: To
      DESIGNING insurance                      provide a method for designing
                                               insurance for simplifying necessary
                                               and sufficient useful insurance
203                                            design and reducing insurance costs
                                               in quick response to the individual
                                               cases of persons to be insured.
                                               SOLUTION: A policyholder is allowed
                                               to select and input the regional data
      NETWORK SERVICE SYSTEM FOR PROBLEM TO BE SOLVED: To
      insurance POLICY HOLDER                provide a network service system for
                                             an insurance policy holder capable of
                                             promoting insurance service using
204                                          the Internet and offering great merit
                                             for both of a customer (the insurance
                                             policy holder) and an insurance
                                             company. SOLUTION: This system is
                                             provided with a provider processor
      PROPOSING DEVICE AND ITS PROBLEM TO BE SOLVED: To
      METHOD         FOR       OPTIMIZING provide an individual recruiting
      insurance SYSTEM OPERATION             method and a system improvement
                                             method for analyzing an insurance
205                                          system operation condition by means
                                             of a computer and optimizing the
                                             insurance system according to the
                                             analysis. SOLUTION: An analysis
                                             parameter computing part 2
      insurance RES INQUIRY SYSTEM, PROBLEM TO BE SOLVED: To
      insurance      RES       REQUIRING provide an insurance res inquiry
      SYSTEM,             INVESTIGATION system, an insurance res requiring
      PROGRESS GRASPING SYSTEM, system, an investigation progress
206   AND insurance RES PAYMENT grasping system, and an insurance
      SYSTEM                                 res payment system allowing an easy
                                             inquiry or procedure for payment of
                                             insurance        money     when        an
                                             unpredictable res possibly meeting
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      insurance AUTHENTICATION               provide equal, safe, and speedy
                                             insurance handling service by
                                             speedily and easily obtaining the
207                                          reliability of an agent, etc., which
                                             mediates in handling insurance.
                                             SOLUTION: A user terminal 2 is
                                             connected to an agent server 3 via a
                                             network 6 to obtain information on
      insurance marketing method and A purchaser 14 who purchases an
      system                                 insurance         product       connects
                                             himself/herself      to   an     Internet
                                             insurance company 10 on the
208                                          Internet. The Internet insurance
                                             company 10 calls a list of items of
                                             insurance       products     from      an
                                             insurance server 13 , and presents
                                             the list to the purchaser 14 . When
      System and method for providing A system, method, and article of
      configuration and sales information to manufacture provide a computer
      assist in the development of assisted method for providing for
      insurance plans                        assisting in providing configuration
209                                          and sales information for the
                                             development of insurance plans for a
                                             customer. The method collects
                                             customer data within a sales
                                             computer system, stores the
      Methods and systems for providing       The invention presented herein
      life management and enhancement         relates to methods and systems for
      applications and   services    for      providing life management and
      telematics and other electronic         enhancement          applications     and
210   medium                                  services to customers via an
                                              electronic medium such as the
                                              Internet. In addition, the present
                                              invention is directed to business-to-
                                              business and business-to- customer
      insurance           SERVICE               PROBLEM TO BE SOLVED: To
      AUTHENTICATION SYSTEM, AND              make a member belonging to a
      METHOD OF PROVIDING SERVICE             specified      organization        receive
      ABOUT insurance                         provision of service as to insurance in
211                                           response to requirement under the
                                              condition where security is held.
                                              SOLUTION: This insurance service
                                              authentication system is constituted
                                              of an insurance operating agency 1
      GUARANTEE           insurance             PROBLEM TO BE SOLVED: To
      PROCESSING    SYSTEM,    AND            process operation for guarantee
      METHOD AND DEVICE FOR                   insurance which expands the concept
      GUARANTEE PROCESSING OF                 of conventional guarantee insurance
212   ELECTRONIC TRANSACTION                  and is flexibly adaptive to contracts of
                                              various styles. SOLUTION: Before a
                                              contract of electronic transaction
                                              carried out between many consumer
                                              terminals 30 and an electronic store
      SYSTEM AND METHOD FOR                     PROBLEM TO BE SOLVED: To
      ENABLING BANK  ACCOUNT                  prevent disadvantage in the case of
      TRANSFER  FOR   CHANGE                  dealing a change of premium caused
      PREMIUM                                 by a change in contents of insurance
213                                           by       bank      account       transfer.
                                              SOLUTION: When a change in
                                              contents of insurance is received, a
                                              term confirming part 33 determines
                                              at least (a) or (b):(a) a dealer for the
      Method for targeting insurance policy   Disclosed is a method for targeting
      incentive rewards                       incentive rewards, in the form of an
                                              insurance coverage credits to
                                              individuals     conducting      business
214                                           activities of interest. In a preferred
                                              mode, a Policy Rewards" program
                                              implementing the disclosed method
                                              provides an incentive for a consumer
                                              to conduct more business with a
      Content insurance                       The present invention provides for
                                              the protection of and ability to
                                              upgrade to new formats of digital
                                              content by providing consumers of
215                                           the digital content the capability of
                                              purchasing content insurance on
                                              digital content they consume. By
                                              purchasing insurance on content, at a
                                              later time consumers are able to
      PREMIUM REFUND CALCULATION PROBLEM TO BE SOLVED: To set
      SYSTEM,       PREMIUM         REFUND an insurance premium with sufficient
      NOTICE METHOD, AND PROGRAM accuracy by subdividing a period of
                                               insurance       and    calculating      an
216                                            occurrence probability of incidence
                                               covered by the insurance in each
                                               subdivided period. SOLUTION: A
                                               predetermined period is divided into a
                                               plural of the subdivided periods and a
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      SUPPORTING                   insurance provide          insurance        business
      BUSINESS,                 COMPUTER supporting             system/method          for
      PROGRAM          AND       PORTABLE speedily estimating (content decision)
217   INFORMATION TERMINAL                     and re- estimating an insurance
                                               contract and to provide a computer
                                               program and a portable information
                                               terminal. SOLUTION: The system is
                                               provided with a control means 4, an
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      insurance              SUCCESSION, facilitate the succession of an
      RECORDING           MEDIUM,       AND insurance contract between different
      PROGRAM           FOR        insurance persons insured. SOLUTION: In this
218   SUCCESSION                               insurance succession sytem for
                                               realizing the insurance succession for
                                               succeeding to an existing contract to
                                               contract a new contract, insurance
                                               contract information comprising at
      METHOD AND SYSTEM FOR PROBLEM TO BE SOLVED: To
      insurance CONTACT RENEWAL, overcome the problem that it takes a
      FIRST DEVICE AND SECOND long time before for an insurance
      DEVICE,         MEDIUM,           AND agent who follows insurance contract
219   INFORMATION AGGREGATE                    procedures of constitution members
                                               to complete renewal procedures for
                                               insurance contracts as the insurance
                                               contracts expire. SOLUTION: Data
                                               28 on contact contents for update are
      Multi-risk insurance system and A multi-risk insurance system and
      method                                   method are disclosed resulting in a
                                               single insurance policy with many
                                               coverages being included. These
220                                            coverages include life, health,
                                               disability, major medical, critical
                                               illness, long-term care, automobile,
                                               homeowners, fire, theft, renters,
                                               personal liability, general liability and
      Method       and        system       for Separate but related multi-risk
      disproportional allocation of multi-risk insurance policies are disclosed. The
      insurance policy                         separate but related policies relate to
                                               three or more coverages from among
221                                            the group of coverages including, but
                                               not limited to, life, health, disability,
                                               major medical, critical illness, long-
                                               term care and property and casualty
                                               coverages where premium
      SAFETY      NET     BASED      ON PROBLEM TO BE SOLVED: To
      TECHNIQUE        OF     insurance, provide an educational system
      MUTUAL AID, AND BUSINESS RISK capable of deploying education,
      MANAGEMENT                         which links the utilization of the
222                                      knowledge       and    know-how       of
                                         educational institutions around a
                                         knowledge         clique       partners
                                         association     and    social    fields,
                                         constructing a safety net able
      BUSINESS SUPPORT SERVER PROBLEM TO BE SOLVED: To
      AND PROGRAM                        provide a business support server or
                                         the like, capable of supporting the
                                         business of a dealer of commodities
223                                      regarding finance and insurance.
                                         SOLUTION: A management server 1
                                         registers the information regarding
                                         the matters of insurance businesses
                                         at agents, in response to the
      insurance SELLING SYSTEM AND PROBLEM TO BE SOLVED: To
      insurance SELLING METHOD           provide an insurance selling system
                                         capable of having a good command
                                         of IT technology while keeping a
224                                      merit of counter selling. SOLUTION:
                                         If a customer intending to purchase
                                         insurance voice inputs insurance
                                         application data about this application
                                         in an insurance selling device 12, the
      CAPTIVE, RENTAL CAPTIVE AND PROBLEM TO BE SOLVED: To
      DATA      MANAGING       METHOD improve the efficiency of insurance
      RELATED       TO      REinsurance contract business processing, a
      BUSINESS                           chain of an insurance contract
225                                      wherein a company makes an
                                         insurance contract with a prime
                                         insurance company through a broker
                                         and the prime insurance company
                                         makes a reinsurance contract with a
      System for managing risks by A system to translate and express a
      combining risk insurance policy company's e- business risk in dollars
      investments with risk prevention and to then compare investment
      computer-based         technology alternatives in computer-based risk
226   investments     using     common technology and risk insurance policy
      measurement methods                coverage to achieve the most
                                         favored risk management. This most
                                         favored risk management is a
                                         combination of computer-based risk
      insurance DEALER INFORMATION PROBLEM TO BE SOLVED: To
      SEARCHING        DEVICE,      AND provide an online system concluding
      insurance             CONTRACT a contract through an insurance
      APPLICATION           RECEIVING contract dealer. SOLUTION: An
227   SYSTEM                             agent introducing server information
                                         about a region from a customer
                                         terminal, searches agents in the
                                         region, and displays a commodity list
                                         dealt by each agent on the customer
      SYSTEM AND METHOD FOR                     A system and method for enabling a
      RECOMMENDING    FINANCIAL               customer to apply for a plurality of
      PRODUCTS TO A CUSTOMER                  financial products (e.g., automobile
      BASED ON CUSTOMER NEEDS                 loan, mortgage, home equity loan,
228   AND PREFERENCES                         credit card) simultaneously. The
                                              system obtains information about the
                                              customer at a first point of contact
                                              (102). An application is completed
                                              using the information (104). Based
      EVENT          INTERLOCKING                PROBLEM TO BE SOLVED: To
      CONSULTING SYSTEM, EVENT                enable an insurance subscriber to
      INTERLOCKING     CONSULTING             recognize a necessary insurance
      SERVER, EVENT INTERLOCKING              amount changing due to the
229   CONSULTING    METHOD,   AND             occurrence of life events and
      PROGRAM EXECUTING EVENT                 receives     a     proper     insurance
      INTERLOCKING CONSULTING                 suggestion. SOLUTION: Life event
                                              information     of    the     insurance
                                              subscriber is inputted from a
      INFORMATION        PROCESSING              PROBLEM TO BE SOLVED: To
      DEVICE FOR insurance                    provide an information processing
                                              device capable of coping with both a
                                              high interest rate of a saving-type
230                                           insurance and freedom of depositing
                                              and     drawing.     SOLUTION:       An
                                              operational      increasing      money
                                              processing part 20 calculates the
                                              operational increasing money added
      insurance       CONTRACT                   PROBLEM TO BE SOLVED: To
      MANAGEMENT SYSTEM, BANK                 manage the insurance contract in the
      SYSTEM,    AND    insurance             unified state relative to each
      CONTRACT FUND MANAGEMENT                insurance contractor, when plural
231   SYSTEM                                  insurance contracts are made by the
                                              same        insurance        contractor.
                                              SOLUTION: A virtual account for
                                              managing a fund related to the plural
                                              insurance contracts relative to the
      insurance CONTRACT SYSTEM,                 PROBLEM TO BE SOLVED: To
      insurance CONTRACT METHOD,              enable a customer to prepare
      insurance CONTRACT SERVER,              properly against a risk having a
      AND      insurance CONTRACT             limited period by buying an insurance
232   TERMINAL                                commodity suitable for the kind of the
                                              risk as long as an optional insurance
                                              period. SOLUTION: Premium is
                                              adjusted by a premium adjustment
                                              control part 25 of a server 10 based
      Electronically      acquiring     and   A system, method and program
      distributing insurnace policy data to   product for source point collection of
      agent offices                           insurance application and contract
                                              data. A potential client or a customer
233                                           contacts     an    insurance      agent,
                                              providing sufficient information that
                                              includes whatever is necessary to
                                              obtain a quote on an insurance
                                              policy. The insurance agent passes
      SYSTEM, SERVER, METHOD AND           PROBLEM TO BE SOLVED: To
      PROGRAM FOR DIAGNOSING             provide a diagnostic system for
      insurance AND SYSTEM FOR           insurance enabling a customer to
      INPUTTING      CONTRACT OF         voluntarily have the contents of the
234   insurance POLICY                   contracts of an insurance diagnosed
                                         objectively. SOLUTION: insurance
                                         policy patterns of formats unique to
                                         each of insurance companies 4a to
                                         4n are stored in the insurance
      CUSTOMER SCREENING SYSTEM            PROBLEM TO BE SOLVED: To
                                         provide a system that receives an
                                         application for an insurance quote
                                         from a customer via a network and
235                                      screens a customer more likely to
                                         contract insurance. SOLUTION: An
                                         insurance company server 2 receives
                                         an application for an insurance quote
                                         from a customer terminal 4 via a
      Method, system, and software for   A method, system, and software that
      providing tax audit insurance      provides insurance for costs resulting
                                         from an audit by a taxing authority,
                                         that includes accessing data relating
236                                      to tax audit costs assessed by the
                                         taxing authority correlated to one or
                                         more parameters of taxpayers.
                                         Average tax audit costs are
                                         calculated for one or more groups of
      METHOD,    SYSTEM,      AND          PROBLEM TO BE SOLVED: To
      PROGRAM    FOR     insurance       efficiently renew an insurance
      CONTRACT NOVATION                  contract. SOLUTION: A server 2
                                         outputs information required for
237                                      novation of an insurance contract to a
                                         portable terminal 1 in response to a
                                         request for information acquisition
                                         from the portable terminal 1 (s6), and
                                         the portable terminal 1 having an
      insurance   CASE   PROCESSING        PROBLEM TO BE SOLVED: To
      SYSTEM                             resolve the inconvenience for an
                                         insurance contractor and an agent
                                         with respect to processing of a case
238                                      which has occurred on the contractor
                                         side and to which payment of the
                                         insured     amount     is    applicable.
                                         SOLUTION: An insurance case
                                         processing system is provided with a
      SYSTEM AND METHOD FOR                  A system and method for
      COMPUTERIZED   FINANCIAL           implementing computerized financial
      TRANSACTIONS                       transactions. Information relating to
                                         relevant parameters of a financial
239                                      transaction      is   obtained     over
                                         acommunications         network.      A
                                         formatted matrix of data relating to
                                         the financial transaction is generated,
                                         and the formatted matrix is
      insurance SYSTEM                  An insurance system enabling
                                     revision of the insurance fee and
                                     indemnified content in accordance
                                     with life style without changing the
240                                  financial instrument. The insurance
                                     system comprises an accumulated
                                     money totaling unit for accumulating
                                     the insurance fee paid every time
                                     during the insurance fee payment
      insurance SETTING   SUPPORT      PROBLEM TO BE SOLVED: To
      DEVICE,   insurance  SETTING   prevent a customer from excessively
      SUPPORT       METHOD    AND    setting insurance to the same
      PROGRAM                        insurance object. SOLUTION: This
241                                  insurance setting support device 200
                                     has an expectant insurance money
                                     calculating part 260 for statistically
                                     calculating    expectant     insurance
                                     money being an expectant value of
      insurance SETTING   SUPPORT      PROBLEM TO BE SOLVED: To
      DEVICE,   insurance  SETTING   make      properly   distributable    a
      SUPPORT       METHOD    AND    premium to a plurality of insurance
      PROGRAM                        objects. SOLUTION: This insurance
242                                  setting support device 200 is
                                     provided with a value acquiring part
                                     260 for acquiring value information
                                     for indicating a value of the plurality
                                     of insurance objects, a compensation
      DEVICE,    METHOD,    AND      PROBLEM TO BE SOLVED: To
      COMPUTER    PROGRAM   FOR      provide a contract information
      PROCESSING       CONTRACT      processing device convenient for
      INFORMATION                    both a contractor and an insurance
243                                  company when an insurance contract
                                     is tied therebetween. SOLUTION: By
                                     using a cell phone T, the contractor
                                     temporarily registers the contents of
                                     the insurances (car insurance,
      insurance  MONEY    PAYING       PROBLEM TO BE SOLVED: To
      SYSTEM,   insurance MONEY      make payable insurance money by
      PAYING METHOD AND insurance    inputting diagnostic record of a
      MONEY PAYING SERVER            customer from a right hospital by
244                                  receiving a demand for the insurance
                                     money from the customer by the
                                     Internet. SOLUTION: This server 10
                                     makes authenticating information by
                                     an authenticating information making
      FINANCIAL       COMMODITY        PROBLEM TO BE SOLVED: To
      CONTRACT ACCEPTING SYSTEM      accept even a contract dealt by an
      AND METHOD                     agent having no original system on-
                                     line. SOLUTION: A customer makes
245                                  access to an agent introducing server
                                     2 from a customer terminal 1, and
                                     accepts an introduction of an agent
                                     of an insurance contract. The
                                     insurance contract is made by
      Computer   system     for    data A method of operating a computer
      management relating to insurance system       for    data management
      contracts                         including at least the management of
                                        data relating to the payment of
246                                     premiums under insurance contracts,
                                        the method comprises receiving and
                                        storing information indicating entities
                                        in an insurance policy network,
                                        receiving and storing information
      METHOD     FOR      EVALUATING PROBLEM TO BE SOLVED: To
      insurance                         provide a method for evaluating
                                        insurance capable of proposing well-
                                        balanced       insurance      distribution
247                                     corresponding to a loss which is likely
                                        to be generated throughout a life as a
                                        general. SOLUTION: This evaluation
                                        method of insurance using a
                                        computer comprises a necessary
      METHOD AND SYSTEM FOR The preferred embodiment for
      insurance   POLICY       BACKED insurance policy backed securities of
      SECURITIES                        the present invention includes
                                        acquiring a pool of similar type of
248                                     insurance risks from an insurance
                                        carrier    (10)     and    includes       a
                                        specialized reinsurance company
                                        (20) which assesses the pool of risks
                                        to determine whether to acquire the
      SYSTEM FOR FORMING insurance PROBLEM TO BE SOLVED: To
      PREMIUM            ACCOUNTING reduce the office work load of a
      PROCESSING DATA AND GUIDE corporation customer by performing
      FORMING PROGRAM FOR THE the               accounting      processing      of
249   SAME DATA                         insurance premium payment every
                                        corporation insurance contractant.
                                        SOLUTION: In this accounting
                                        processing       system     related      to
                                        insurance premium payment, a
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      ASSISTING insurance CONTRACT assist insurance contract operation
      OPERATION      AND      insurance by eliminating an error in entry of
      CONTRACT ASSISTING DEVICE         application contents at insurance
250                                     contract time, making it easy to
                                        correct the entry contents and
                                        immediately setting an insurance
                                        contract and insurance start time.
                                        SOLUTION: An application form is
      SYSTEM,      METHOD          AND PROBLEM TO BE SOLVED: To
      PROGRAM FOR DIAGNOSING provide a diagnosing system for a
      GURANTEE OF insurance             guarantee of an insurance which can
                                        rapidly and accurately diagnose and
251                                     present a relationship between a
                                        guaranteed amount corresponding to
                                        the conditions of existing contract or
                                        the conditions to be contracted
                                        hereafter and a guaranteed amount
      insurance   PLAN     CALCULATION          PROBLEM TO BE SOLVED: To
      DEVICE                                  provide an insurance plan calculation
                                              device preparing an insurance plan
                                              capable of obtaining appropriate
252                                           security state and saving state with a
                                              small         insurance          premium.
                                              SOLUTION: The insurance plan
                                              calculation device 10 calculates the
                                              insurance plan indicating the
      Method and apparatus for insuring an    A method of insuring an insured for
      insured from identity theft peril and   identity theft peril. The method
      identity reclamation and credit         includes submitting a claim of identity
      restoration                             theft by an insured to an insurer.
253                                           Thereafter, the method includes the
                                              step of investigating the claim of the
                                              identity theft peril to verify the identity
                                              theft peril. In response to the identity
                                              theft being verified, the method
      Method and system for providing         A     method       and      system     for
      online insurance information            transferring, evaluating, tracking, and
                                              reporting insurance information over
                                              a network. The invention includes a
254                                           database containing individual data
                                              fields storing insurance information,
                                              including various limits and coverage
                                              features for insurance policies.
                                              Agents may access the database
      CUSTOMER DECISION SUPPORT                A method of facilitating the selection
      AT POINT-OF-SALE                        of a purchase item, comprising
                                              determining objective information
                                              (400) about a user from which the
255                                           purchase item, from among a
                                              plurality of purchase items, can be
                                              selected;      determining      a    price
                                              sensitivity (410) for the purchase
                                              item; and if the price sensitivity is
      System, method and article of           A method of issuing an insurance
      manufacture for managing project        policy for a wrap-up insurance
      and insurance information               program includes receiving initial
                                              data for a project; receiving
256                                           subsequent data for a plurality of
                                              parties; and issuing an insurance
                                              policy for the plurality of parties;
                                              wherein receiving the initial data,
                                              receiving subsequent data, and
      INFORMATION           PROCESSING          PROBLEM TO BE SOLVED: To
      METHOD    AND          COMPUTER         surely grasp the date of confirming a
      SYSTEM                                  contract intention by a customer.
                                              SOLUTION: An insurance company
257                                           system 9 receives information on a
                                              changeable item concerning the
                                              applied contents of an insurance
                                              contract to a specific customer and a
                                              changeable content range
      Automatic insurance data extraction A method for automatically extracting
      and quote generating system and data and generating insurance
      methods therefor                      quotes includes preparing insurance
                                            profiles having risk information for
258                                         one or more clients seeking
                                            insurance coverage, storing the
                                            insurance profiles in an electronic
                                            database at one or more agency
                                            locations, and extracting one or more
      Network        architecture       and The present invention includes a
      management system for conducting network architecture and system
      insurance activities on a network     which enables users to electronically
                                            conduct insurance transactions over
259                                         a network, such as the Internet.
                                            Preferably, the network architecture
                                            is of the client/server/server type
                                            which operates with the transfer of
                                            standardized data, such as XML files,
      AGENCY SUPPORTING SYSTEM                PROBLEM TO BE SOLVED: To
                                            provide a new agency supporting
                                            system for supporting a conventional
                                            face-to-face type agency while
260                                         effectively utilizing the convenience of
                                            a net type agency for selling an
                                            insurance by utilizing a network.
                                            SOLUTION: A center server 2 of the
                                            net type agency for selling the
      Method and apparatus for performing An embodiment of the invention
      collective validation of credential comprises a method and apparatus
      information                           for performing collective validation of
                                            credential information. The invention
261                                         has applicability in industries that
                                            require sales agents or those related
                                            to the distribution of a certain product
                                            to be credentialed (e.g., licensed
                                            and/or appointed) when selling
      System and method for real-time The present invention is directed to
      rating, underwriting and policy systems and methods for real-time
      issuance                              rating, underwriting and policy
                                            issuance for the insurance industry. A
262                                         process according to the present
                                            invention, as may be implemented
                                            via     an     appropriate     computer
                                            environment, will include several
                                            steps in providing real-time rating,
      DEVICE      FOR         PROCESSING PROBLEM TO BE SOLVED: To
      INFORMATION FOR insurance             make account type insurance
                                            available by considering persons
                                            involved such as a family member of
263                                         a contractor, so that making a
                                            taxation           form        becomes
                                            advantageous         to   a   customer.
                                            SOLUTION: An accumulated fund
                                            transfer processing part 24 performs
      SYSTEM,         METHOD         AND PROBLEM TO BE SOLVED: To
      PROGRAM FOR MANAGING BOND provide accounts receivable liquidity
      LIQUIDITY WITH TRANSACTION management system, method and
      CREDIT insurance                    program which avoid risk in default
264                                       and are also efficient. SOLUTION:
                                          An insurer server sets a bond
                                          insurance condition to transmit the
                                          bond insurance condition to an
                                          assignor server, the assignor server
      METHOD AND DEVICE FOR PROBLEM TO BE SOLVED: To
      AUTOMATICALLY                       provide a method and a device, by
      SYSTEMATIZING             insurance which a system user of an insurance
      BUSINESS                            business system can directly define
265                                       new insurance merchandise and the
                                          defined paperwork can automatically
                                          be systemanized on the insurance
                                          business system. SOLUTION: Words
                                          used by a system user and a system
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      ADJUSTMENT                          efficiently make processible from
                                          reception of a claim for insurance
                                          money to its payment and to make
266                                       uniformly and unitarily performable
                                          the judgement for adjustment.
                                          SOLUTION: Claim data demanding
                                          insurance money payment sent from
                                          a terminal through a communication
      BUSINESS SERVER, insurance PROBLEM TO BE SOLVED: To
      COMPANY SERVER, METHOD provide an agency server for
      FOR       ACQUIRING       insurance improving the efficiency of insurance
      PREMIUM ESTIMATION RESULT, premium                 estimation     business.
267   METHOD FOR GENERATING DATA SOLUTION: An insurance company
      FOR ESTIMATION, METHOD FOR server 1 supplies term expiration
      ESTIMATING insurance PREMIUM data about an insurance contract
      AND PROGRAM                         whose insurance          reaches      the
                                          expiration of the term within a
      Online method for binding automatic A computer system and process for
      type reinsurance                    facilitating the administration of a
                                          facultative automatic reinsurance
                                          agreement through the generation of
268                                       draft      and     final   bordereaux.
                                          Information      regarding    insurance
                                          policies to be reinsured, including its
                                          terms, are entered into a database in
                                          the computer system. The terms of
      insurance business system           The present invention provides
                                          systems and methods for the
                                          employee benefits industry. The
                                          system        includes      a      client
269                                       management module for providing a
                                          broker with one or more broker tools
                                          for generating an employer record
                                          and employee record. The system
                                          also includes a presale module
      Computer system and method for           A     system     and      method     for
      selectively monetizing and trading the   decomposing risk factors that are
      results of risk factor populations       embedded         within     accounted,
      found in financial exposures             underwritten       exposures,       and
270                                            monetizing a selection of these risk
                                               factors for trades with a counterparty
                                               in a risk management environment.
                                               Each risk factor has a quantifiable
                                               contribution to an overall exposure,
      Method of generating insurance           An agent assistance program (AAP)
      business by providing an on- site        is disclosed for evaluating business
      underwriter                              potential of a general insurance
                                               agency, insurance agent or broker
271                                            and, if justified by the business
                                               potential, locating an insurance
                                               underwriter in the office of the
                                               general insurance agency. The
                                               evaluation is based upon a potential
      Data/presence insurance tools and        Methods for insurance of online
      techniques                               presence ( 202 ) and/or data ( 200 )
                                               are described. An insurer ( 302 )
                                               contracts with an insured entity ( 304
272                                            ) in an agreement ( 308 ) under which
                                               a premium ( 310 ) is paid for
                                               insurance coverage. The premium is
                                               calculated ( 306 ) using a pure
                                               premium method ( 400 ) or a loss
      Computerized system for combining        A method and apparatus for
      insurance company and credit card        combining a credit card account with
      transactions                             a medical services or insurance
                                               account. A client establishes a credit
273                                            card account and links the credit card
                                               account to an insurance policy or
                                               medical services account. The client
                                               uses the credit card and generates
                                               rebates used to offset the cost of the
      COMPUTER     SYSTEM, AND                   PROBLEM TO BE SOLVED: To
      METHOD AND PROGRAM FOR                   provide a computer system capable
      CONTROLLING THE SAME                     of providing a support system
                                               convenient to use by clients when
274                                            handled via a network such as Web
                                               and very effective in promoting sales,
                                               and a method and program for
                                               controlling the computer system.
                                               SOLUTION: The computer system
      PROCESS AND SYSTEM FOR                    A process and system for providing
      PROVIDING PREMIUM INCREASE               premium increase protection for
      PROTECTION   FOR    insurance            insurance policies is provided,
      POLICIES                                 wherein a third party, separate from
275                                            the insurer that issues the insurance
                                               policy,    provides     the   premium
                                               increase protection. A policyholder
                                               (15) purchases an insurance policy
                                               with premium increase protection,
      Internet/intranet data management An                Internet/Intranet        Data
      system                                   Management system whereby form
                                               driven        easily       decipherable
                                               information is securely stored on a
276                                            central server and is accessible, via
                                               Internet browser software, by all
                                               computer users with the requisite
                                               access privileges. This invention will
                                               allow computer users to leave
      AUTOMATED CLAIMS FILING AND A claims filing system for claims
      TRACKING                                 such as an insurance claim in which
                                               a claim can be filed from a remote
                                               location to a centralized care center.
277                                            The care center will handle all
                                               aspects of the claim such as filing the
                                               claim,      assigning      a     claims
                                               representative and adjuster to the
                                               claim (450), assigning and
      SYSTEM,            METHOD           AND PROBLEM TO BE SOLVED: To
      PROGRAM            FOR        DECIDING enable even a person, who does not
      ACCEPTANCE             OF      insurance has medical special knowledge, to
      CONTRACT                                 easily judge whether an insurance
278                                            contract can be accepted or not or
                                               acceptance conditions. SOLUTION:
                                               In the insurance contract acceptance
                                               decision system for deciding whether
                                               the insurance contact can be
      Web based risk management system A web based system maintained at a
      and method                               central server and accessible to
                                               users over the Internet for defining
                                               financial risks and risk mitigation
279                                            needs of a user based upon profile
                                               data of the user. The system includes
                                               a means for inputting user profile
                                               data into the system; means for
                                               accumulating the input data in
      Method of creating authorized, tax This application describes certain
      exempt municipal bonds used to procedures for obtaining tax exempt
      replace a liability with insurance       status for interest paid on municipal
                                               bonds used to pay insurance
280                                            premiums, approval procedures for
                                               bond issuance, and obtaining bond
                                               guarantees and ratings on bonds
                                               used to pay for insurance or finance
                                               a departure from self insurance or
      QUOTATION DATA EXCHANGE                    This invention concerns a quotation
                                               data exchange for the control of a
                                               insurance repair process utilising a
                                               host     computer      to    create    a
281                                            communication path between an
                                               insurer's computer system and
                                               multiple repairer's computer systems.
                                               The communications are selected
                                               from a set of predefined messages
      insurance PREMIUM ACCOUNTING          PROBLEM TO BE SOLVED: To
      DEVICE,     insurance   PREMIUM    reflect the actual usage state of
      ACCOUNTING SYSTEM, insurance       insurance object (automobile or the
      PREMIUM ACCOUNTING METHOD,         like) in order to charge a fair and
282   insurance PREMIUM ACCOUNTING       appropriate insurance premium to a
      PROGRAM,              COMPUTER-    policy holder. SOLUTION: An
      READABLE RECORDING MEDIUM          insurance      premium       accounting
      WITH IT RECORDED THEREON           device has a monitoring device 2 for
                                         acquiring the usage state information
      REinsurance           EVALUATION      PROBLEM TO BE SOLVED: To
      METHOD      AND        COMPUTER    evaluate the effect of reinsurance in
      SYSTEM                             a     more     appropriate      manner.
                                         SOLUTION: An allotment scheme
283                                      change       provisional      calculation
                                         processing part 52 changes from a
                                         reinsurance      allotment       scheme
                                         applied to actual insurance contract
                                         corresponding to a claim for an
      DEVICE FOR PROVIDING insurance        PROBLEM TO BE SOLVED: To
      DESIGN INFORMATION                 calculate a composite insurance
                                         design of group insurance and
                                         personal insurance capable of
284                                      properly reflecting the features of the
                                         group insurance and personal
                                         insurance,      and      provide      the
                                         information thereof. SOLUTION: A
                                         settable group insurance amount
      COMPREHENSIVE MANAGEMENT              PROBLEM TO BE SOLVED: To
      SERVICE SYSTEM FOR RISK AND        provide        a        comprehensive
      ASSETS                             management service system capable
                                         of     providing     information       for
285                                      comprehensively managing situations
                                         such as risk security and asset
                                         management every client by using
                                         the Internet. SOLUTION: The service
                                         system 1 is for providing products
      ASSET    AND      LIABILITY           PROBLEM TO BE SOLVED: To
      MANAGEMENT   DEVICE    AND         improve estimation accuracy of an
      METHOD     FOR    insurance        amount of money for insurance
      COMPANY                            income and expenditure items in the
286                                      future. SOLUTION: The device
                                         estimates an amount of money for
                                         insurance income and expenditure
                                         items. It acquires information of an
                                         existing contract which is an
      insurance administration system    The computerized insurance claim
                                         processing      system      links     the
                                         physician's office and the provider of
                                         insurance coverage by means of a
287                                      central administration computer. The
                                         system      provides     up-to-     date
                                         information to the provider of health
                                         care services as to insurance
                                         coverage of a patient. The system
      INVESTMENT REFERRAL SYSTEM The invention provides an impartial;
      AND METHOD                             forum operable to match (10)
                                             investors with a universe of
                                             investment service providers, and
288                                          matches (190) both investors and
                                             service providers with a universe of
                                             financial resources and alternative
                                             investments. One or more service
                                             provider profiles each having at least
      METHOD AND SYSTEM FOR A method (100) is disclosed for
      AUTOMATING                   insurance creating     a       customized     folder
      PROCESSES                              structure      for     a    web-enabled
                                             collaborative insurance process. The
289                                          method includes, for each of a
                                             plurality of users, automatically
                                             creating a plurality of standardized
                                             folders consistent with a role of the
                                             user in a web-enabled collaborative
      System and method for aggregate A system for facilitating client and
      portfolio client support               advisor communications which may
                                             include a port to an aggregate
                                             database of a client's holdings and
290                                          profile. When servicing or analyzing a
                                             client's financial needs, a financial
                                             advisor at a call center or other
                                             facility may be presented with a
                                             screen displaying some or all of the
      METHOD, DEVICE OF MANAGING PROBLEM TO BE SOLVED: To
      insurance        CONTRACT         AND provide an insurance contract
      COMPUTER PROGRAM                       managing device for enabling a
                                             customer to easily grasp validity of
291                                          the insurance contract contents
                                             which is already contracted and its
                                             expansibility. SOLUTION: In a
                                             portable casing 10, pieces of contract
                                             candidate data to be newly presented
      SYSTEM         AND     METHOD      OF PROBLEM TO BE SOLVED: To
      SETTLEMENT                             provide a system and a method of
                                             settlement by which a customer data
                                             base can be easily and surely
292                                          updated even when a card having a
                                             prescribed settlement function is
                                             used for payment of insurance, etc.,
                                             as for the system and the method of
                                             settlement using the card having the
      Apparatus and method for providing An apparatus and method for
      transaction cost information           providing          transaction        cost
                                             information, including a memory
                                             device     for      storing   information
293                                          regarding at least one of a cost of at
                                             least one of a good, a product, and a
                                             service, a shipping cost, a handling
                                             cost, a tax, a duty, a tariff, and an
                                             insurance cost, a receiver for
      Virtual structure data repository and The present invention relates to a
      directory                             computer accessible system for
                                            electronically storing a model which
                                            communicates the physical attributes
294                                         of a structure along with warranty,
                                            insurance and other information
                                            relative to that structure. The system
                                            of the present invention integrates
                                            physical information in a model which
      METHOD AND APPARATUS FOR A method and apparatus provides a
      INTEGRATED               PAYMENTS decisioning solution for merchants
      PROCESSING AND DECISIONING accepting                   Internet     transactions,
      FOR INTERNET TRANSACTIONS integrated with means for processing
295                                         payments           electronically.     The
                                            invention claimed herein provides
                                            features, such as, but not limited to,
                                            electronic transfer of funds (40),
                                            authentication of parties (11),
      INTERACTIVE insurance PREMIUM              A method and system for
      VERIFICATION        SYSTEM       AND interactively        verifying    insurance
      METHOD                                premium rate information. Initially, the
                                            system receives and saves insurance
296                                         rate information relating to at least
                                            one insurance rate plan that is to be
                                            tested. Upon receipt of a user
                                            request to test the saved insurance
                                            rate information for accuracy, the
      SYSTEM AND METHOD FOR A computer implemented tool used
      FINANCIAL        PLANNING        AND for financial analysis (10) which
      CONSUMER DEBT ELIMINATION             produces a plan to eliminate
                                            consumer debt and estimates values
297                                         of needed saving levels and
                                            insurance based on certain economic
                                            assumptions and data regarding an
                                            individual        consumer's        current
                                            financial status (73). User of
      METHOD FOR OUTPUT CONTROL PROBLEM TO BE SOLVED: To
      FOR MOBILE ONLINE DATA, AND display on a mobile PC (personal
      SYSTEM THEREOF                        computer) and print at a fixed- type
                                            PC contents of form data requested
298                                         to a host computer, without changing
                                            substantially programs in the host
                                            computer.          SOLUTION:         When
                                            accessing away from home 18 to a
                                            host computer 11 at a main office
      ELECTRONIC insurance SERVICE PROBLEM TO BE SOLVED: To
      CERTIFICATE        SYSTEM        AND realize an electronic insurance
      ELECTRONIC insurance SERVICE service certificate system for allowing
      METHOD                                a person to receive an insurance
299                                         service even without carrying an
                                            insurance contract document and for
                                            providing an insurance policy with
                                            little possibility of being illegally used
                                            by altering data contents.
      Systems      and     methods      for Systems and methods are provided
      transferring   ownership    of    an for transferring ownership of an
      insurance asset cash flow via a true insurance asset cash flow via a legal
      sale                                  and accounting true sale. According
300                                         to one embodiment, a seller arranges
                                            to sell an insurance asset cash flow
                                            to an investor. For example, a
                                            reinsurance entity may obtain
                                            ownership of insurance receivables
      insurance    POLICY     MANAGING PROBLEM TO BE SOLVED: To
      SYSTEM                                provide      an      insurance     policy
                                            managing technique for easily and
                                            accurately managing numbers of
301                                         insurance policies different for
                                            respective        non-life    insurance
                                            companies. SOLUTION: Entry items
                                            at the time of issuance of the
                                            insurance policy and information of a
      Underwriting insurance                Disclosed is an overall process for
                                            underwriting insurance. The process
                                            can include automated underwriting
                                            using rules from a plurality of
302                                         insurance carriers. Rules can be
                                            general, carrier specific, and product
                                            specific. Also featured is a reflexive
                                            process for questioning a user that is
                                            purchasing insurance.
      System and method for enabling real The system of the present invention
      time underwriting of insurance enables an insurance company or
      policies                              other provider to underwrite a life
                                            insurance policy based on relevant
303                                         insurability information or factors and
                                            in real time for potential customers
                                            directly or indirectly accessing the
                                            system via a network. The insurability
                                            information includes medical records
      INTERACTIVE WEB SITE FOR The invention relates to an interactive
      insurance       CLAIMS         LOSS web site specific to the insurance and
      ADJUSTING AND MANAGEMENT              loss adjusting industry. The web site
                                            allows      parties     from    different
304                                         insurance companies to lodge and
                                            view claims under a secure
                                            environment, with their files viewed
                                            only by personnel authorised by
                                            them, and by the sire's
      RESERVE         FUND      AMOUNT PROBLEM TO BE SOLVED: To
      CALCULATION         SYSTEM         IN provide a reserve fund amount
      insurance CONTRACT                    calculation system in insurance
                                            contract,      being       general     in
305                                         conventional       reserve    insurance
                                            contract,       and       capable      of
                                            compensating for such a situation
                                            that the rate of investment yield of
                                            user concerning reserve insurance
      BUSINESS        OPERATIONS                PROBLEM TO BE SOLVED: To
      PROCESSING SYSTEM, BUSINESS            provide a business operations
      OPERATIONS      PROCESSING             processing system that can reduce
      METHOD     AND   COMPUTER              the number of man-hours for new
306   PROGRAM                                development of an application.
                                             SOLUTION: A PL part 120 displays a
                                             Web page of an input screen or the
                                             like on a display of a portable
                                             telephone 302. A FC part 112 calls
      A SALES COMPUTER SYSTEM                   A sales process, executed by a
      AND PROCESS                            computer system, including (a)
                                             offering a plurality of products for
                                             sale, (b) receiving a selection of the
307                                          products,     (c)     accessing     data
                                             submission forms for products of the
                                             selection, (d) removing duplicate data
                                             requests from the forms, and (e)
                                             generating and providing a sequence
      PREMIUM PAYMENT           METHOD          PROBLEM TO BE SOLVED: To
      AND SYSTEM                             prevent contracted insurance from
                                             losing its effect even if premium is
                                             not paid by a specific period and the
308                                          cash surrender value of the
                                             contracted insurance is too small to
                                             pay     in    advance.       SOLUTION:
                                             Contracted       insurance     2     and
                                             contracted insurance 3 are related by
      insurance GIFT SYSTEM, ITS                PROBLEM TO BE SOLVED: To
      METHOD AND insurance GIFT              provide an insurance gift system for
      PROGRAM                                presenting      right    for   effecting
                                             insurance by using the Internet N or
309                                          another communication network and
                                             enabling a person receiving the gift to
                                             effect the insurance of a required
                                             amount at a required date by using
                                             the Internet or the other
      Process for insuring and risk          A process for insuring and risk
      managing     the     decommissioning   managing       the     decommissioning
      and/or abandonment of an oil and       and/or abandonment of an oil and
      gas production facility                gas production facility such as an off
310                                          shore oil and gas production
                                             platform. The process includes first
                                             collecting data related to an oil and
                                             gas field and it's production facility
                                             from a potential client. Based on the
      insurance    RESERVE     FUND             PROBLEM TO BE SOLVED: To
      CONTROL       METHOD,     PAID         provide an insurance control system
      PREMIUM EVALUATING METHOD,             for controlling insurance capable of
      CONTRACT CONTENT CHANGE                coping with the needs caused by an
311   CONTROL METHOD, insurance              environmental        change      in    a
      CONTROL        SYSTEM     AND          contractor. SOLUTION: A reserve
      PROGRAM       FOR    REALIZING         fund control part 200 controls a main
      insurance CONTROL FUNCTION BY          contract reserve fund, and has the
      COMPUTER                               function for calculating a reserve fund
      Systems and methods for negotiating System, methods, and computer
      reinsurance for a risk              program products for facilitating
                                          negotitations for reinsurance of a
                                          risk. The negotiations for reinsurance
312                                       of a risk are conducted between a
                                          cedent and one to many assumers.
                                          An interface is provided for allowing
                                          submissions of risk for reinsurance,
                                          responses from selected assumers,
      COMMUNICATION PROGRAM AND PROBLEM TO BE SOLVED: To
      INFORMATION              PROCESSING reduce communication costs, and to
      METHOD                              transfer necessary information by
                                          HTTP or HTTPS or the like.
313                                       SOLUTION:          A    client    HTTP
                                          communication module 31 is a
                                          program for enabling communication
                                          between the programs of a client side
                                          insurance application 33 and a server
      SETTLEMENT           SYSTEM     AND PROBLEM TO BE SOLVED: To
      METHOD BY CARD                      reduce the total payment amount as
                                          much as possible when a customer
                                          using a settlement card pays an
314                                       insurance       expense      with    the
                                          settlement card, and to eliminate
                                          inconvenience in a procedure to
                                          enhance applicability as service for
                                          the customer when receiving a
      Methods and apparatus for selecting Methods and apparatus for selecting
      an insurance carrier for an online an insurance carrier for an online
      insurance policy purchase           insurance policy purchase are
                                          disclosed. A user at a client device,
315                                       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
      EXPLANATION          SYSTEM    FOR PROBLEM TO BE SOLVED: To
      TRANSMISSION DOCUMENT               provide an explanation system for
                                          transmission documents allowing a
                                          customer to access to a dedicated
316                                       Web page and directly receiving
                                          detailed explanation according to
                                          each customer and latest detailed
                                          data as necessary by providing the
                                          transmission document with a
      Wealth transfer plan using in kind A system and method for the efficient
      loan repayment with term insurance transfer of wealth is disclosed. The
      protection for return of note       system and method implement a plan
                                          for the efficient transfer of wealth.
317                                       The disclosed embodiments include
                                          a company computer for gathering
                                          information on the amount of wealth
                                          to be transferred from a transferor.
                                          An existing debt of a transferee is
      Wealth transfer plan using in kind A system and method for the efficient
      loan repayment with term insurance transfer of wealth is disclosed. The
      protection                           system and method implement a plan
                                           for the efficient transfer of wealth.
318                                        The disclosed embodiments include
                                           a company computer for gathering
                                           information on the amount of wealth
                                           to be transferred from a transferor.
                                           An amount is determined to be
      Automated loan risk assessment An automated loan risk assessment
      system and method                    system and method are described.
                                           The system is adapted to receive
                                           information about a loan or an
319                                        insurance application requesting
                                           insurance to cover same. The system
                                           calculates a risk score for the loan
                                           based on a plurality of risk factors
                                           including at least two of a fraud risk
      System and method of dispensing Systems and methods for facilitating
      insurance through a computer the dispensing of insurance and of an
      network                              insurance company selling insurance
                                           policies are provided, which may be
320                                        network or Internet based, and may
                                           be managed through a general
                                           agent. Policy information from
                                           insurance companies            may be
                                           received or stored. Data may be
      INDEMNIFICATION PROCESSING When purchased insurance policy
      SYSTEM BASED ON insurance            information of a user and personal
                                           information of the user are entered in
                                           a computer, this indemnification
321                                        processing system computes a
                                           required amount of indemnification
                                           for each user until a prescribed term
                                           for each risk factor of the user based
                                           on the personal information of the
      Risk insurance financial product and An insurance product and insurance
      method                               method for providing financial
                                           assurance, against an occurrence of
                                           at least one specified event, are
322                                        described. In one embodiment, an
                                           insurer provides an insurance policy
                                           having a risk limit, in exchange for a
                                           predetermined first premium from the
                                           insured entity, where the risk limit is
      NETWORK          SYSTEM         FOR An insurance policy introducing
      INTRODUCING insurance POLICY network system of this invention has
                                           a plurality of insurance company
                                           processing       systems      in    each
323                                        insurance company, and a customer
                                           introducing means for introducing a
                                           different      insurance        company
                                           processing system if there is an
                                           event in which a customer terminal
      DATA      EXCHANGE         BETWEEN This invention concerns a data
      INSURER AND REPAIRER                  exchange, and in particular a
                                            computer system for exchanging
                                            data between an insurer and a
324                                         repairer, for instance between
                                            software applications of a vehicle
                                            insurer and a crash repairer. The
                                            invention also concerns the structure
                                            of a database in which the messages
      System and method for underwriting A method of centralized automated
      review in an insurance system         underwriting of an insurance policy,
                                            and      a      centralized   automated
                                            underwriter, are disclosed. The
325                                         method may include intaking the
                                            plurality of applicant information,
                                            applying, in parallel, and to a
                                            normalized plurality of applicant
                                            information, at least two primary
      SYSTEM       FOR      SETTING     UP PROBLEM TO BE SOLVED: To
      SPECIAL        AGREEMENT         FOR reduce the payment load of
      PAYING          BACK        AMOUNT insurance premiums when an event
      CORRESPONDING TO insurance making the continuation of payment
326   PREMIUM AND ITS METHOD AND of insurance premiums difficult for a
      PROGRAM                               contractor occurs. SOLUTION: A
                                            special agreement setting means 112
                                            calculates a 1st insurance premium
                                            of an insurance contract concluded
      METHOD          FOR      EXECUTING PROBLEM TO BE SOLVED: To
      RESERVE          FUND      PAYMENT provide a method for executing
      PROCESSING               REGARDING reserve fund payment processing
      insurance PRODUCT, insurance regarding an insurance product,
327   PRODUCT FOR ACHIEVING THE wherein                    simplified   mathematical
      METHOD,          PROGRAM         FOR technique is used in view of problems
      EXECUTING         RESERVE       FUND on a conventional existence security
      PAYMENT                PROCESSING type          life     insurance     product.
      REGARDING insurance PRODUCT, SOLUTION: This method for
      insurance        ARTICLE       SALES PROBLEM TO BE SOLVED: To
      SYSTEM,        insurance    ARTICLE provide an insurance article which is
      SALES SUPPORT METHOD, AND convenient to both a financial
      PROGRAM                               institution setting a loan such as a
328                                         house loan and the user of the house
                                            loan and to provide its efficient sale
                                            system. SOLUTION: The insurance
                                            article comprises 1st insurance and
                                            2nd insurance which are so set that
      APPARATUS AND METHOD FOR PROBLEM TO BE SOLVED: To
      SUPPORTING                  insurance appropriately distribute a premium for
      DETERMINATION, AND PROGRAM a plurality of insured objects.
                                            SOLUTION:              The     insurance
329                                         determination supporting apparatus
                                            is provided with a value acquisition
                                            part 260 which acquires value
                                            information showing the values of the
                                            insured objects, a compensation-
      System, method, and computer            A system, method, and computer
      program product for managing an         program product for managing an
      investment to increase the after-tax    investment to increase the after-tax
      death benefit of the investment         death benefit of the investment
330                                           received by the beneficiaries, the
                                              system comprising a processor, a
                                              memory, and a computer program
                                              stored in the memory. The computer
                                              program receives and stores
      insurance SERVICE MANAGEMENT              PROBLEM TO BE SOLVED: To
      SYSTEM                                  provide a system enabling the
                                              sharing of service information or
                                              schedule      management        between
331                                           insurance transactors and between
                                              an insurance transactor and a
                                              supervisor in a damage insurance
                                              service to grasp the progress of the
                                              service. SOLUTION: This system
      Apparatus      and   method      for    An apparatus and method for the
      implementing and/or administering a     efficient transfer of wealth is
      wealth transfer plan                    disclosed. The method comprises a
                                              transferee securing an insurance
332                                           policy having a death benefit
                                              component and a cash value
                                              component on the life of an insured.
                                              The death benefit proceeds are to be
                                              paid out at the death of the insured. A
      Shared insurance industry system for    Apparatus      and      methods        for
      non-disruptive enhancement and          implementing a new insurance
      substitution of insurance transaction   industry business processing system,
      processing                              called a Shared Industry Platform",
333                                           are described. A network-based
                                              computing platform is defined which
                                              includes a communications portal
                                              and industry shared databases which
                                              are controlled by enabling application
      METHOD       OF      SETTING              PROBLEM TO BE SOLVED: To
      PREDICTED INTEREST RATE OF              provide a method of setting the
      insurance COMMODITY, METHOD             predicted interest rate of an
      OF      OPERATING    insurance          insurance commodity. SOLUTION:
334   COMMODITY, AND METHOD OF                This method of setting the predicted
      OPERATING      DEPOSIT     OF           interest rate of the insurance
      insurance    ON      insurance          commodity comprises the steps of
      COMMODITY                               setting an estimated duration on the
                                              deposit of the insurance according to
      Integrated system and method for        The system and method of the
      insurance products                      present     invention     includes     an
                                              integrated insurance system for
                                              automating information processing
335                                           and       computerizes          different
                                              combinations       of    the    quoting,
                                              enrollment, billing, monitoring and
                                              maintenance       functions     of    the
                                              process. In a preferred embodiment,
      INTERACTIVE NETWORK BASED One aspect of the present invention
      insurance     CLAIM     SUBMISSION provides an interactive digital claim
      SYSTEM AND METHOD                   submission system for providing
                                          multiple digital claim data files by a
336                                       digital device to a network. The
                                          system comprises: a user interface
                                          for producing the data files from a
                                          predetermined claim data set,
                                          wherein the user interface provided
      POINT MANAGING METHOD FOR PROBLEM TO BE SOLVED: To
      insurance TRANSACTION               reduce the contract cancel rate of an
                                          insurance transaction. SOLUTION: In
                                          the point managing method for
337                                       insurance transaction to be applied in
                                          a system configured by connecting a
                                          privilege utilization applicant personal
                                          computer 60 or the like, an insurance
                                          system center 20, a database center
      Billing process and system          A billing process and system for
                                          enabling expedited and simplified
                                          resolution of line items between a
                                          biller and a billee. The billing process
338                                       and system allows for communicating
                                          electronically a bill; receiving an
                                          electronic communication of at least
                                          one discrepancy in the insurance bill;
                                          communicating electronically a
      insurance                CONTRACT PROBLEM TO BE SOLVED: To
      CONCLUSION             PROCESSING provide an insurance contract
      SYSTEM AND SYSTEM FOR conclusion processing system for
      insurance                CONTRACT smoothly and efficiently carrying out
339   CONCLUSION PROCESSING               processing         from       transaction
                                          established with a person concerned
                                          through an electric communication
                                          line such as the Internet to taking out
                                          of insurance. SOLUTION: When a
      Process for case-based insurance A process for at least a partial
      underwriting suitable for use by an underwriting of insurance policies is
      automated system                    described. Based on the similarity to
                                          previous insurance applications, a
340                                       decision on the current request for
                                          underwriting may be made. This
                                          decision-making process represents
                                          an analogical approach to the
                                          placement of an insurance
      Process for rule-based insurance A process for at least a partial
      underwriting suitable for use by an underwriting of insurance policies is
      automated system                    described. Various rules are created,
                                          along with a degree of satisfaction for
341                                       each rule. Rules may be directed
                                          toward          various         insurance
                                          underwriting       components        (e.g.,
                                          cholesterol levels, blood pressure,
                                          etc.). Based on the degree of
      Preferred life mortality systems and The invention provides systems and
      methods                                  methods for determining preferred
                                               life mortality analyses. Mortality data
                                               is electronically synthesized from a
342                                            plurality of insurance carriers. A data
                                               engine processes the mortality data
                                               and synthesizes benchmark data to
                                               present the analyses, preferably in
                                               graphical form such as a data cube.
      DATA MANAGEMENT SYSTEM, PROBLEM TO BE SOLVED: To
      METHOD AND PROGRAM, AND quickly                       perform      the     collation
      COMPUTER-                  READABLE processing            of   the     information
      STORAGE MEDIUM WITH THE possessed by an insurance company
343   PROGRAM STORED THEREIN                   with the information from a contractor
                                               side in an insurance business and
                                               also properly respond to a change in
                                               contract content. SOLUTION: A data
                                               management system manages data
      MONETARY                  ADJUSTING PROBLEM TO BE SOLVED: To
      APPARATUS,                MONETARY provide            a    monetary       adjusting
      ADJUSTING METHOD, insurance apparatus to perform adjustment
      CONTRACT SYSTEM, insurance processing for every article when a
344   CONTRACT           METHOD,          AND plurality of articles are applied for
      PROGRAM                                  purchase. SOLUTION: The monetary
                                               adjusting apparatus 20 adjusts
                                               money amounts of a plurality of
                                               articles, when received application for
      CHAEGE                    RECEPTION PROBLEM TO BE SOLVED: To
      MANAGEMENT                COMPUTER easily receive a charge by reducing a
      SYSTEM           AND          CHAEGE burden of handling personnel of
      RECEPTION SYSTEM                         dealings like an insurance agency by
345                                            using a payment handling slip apart
                                               from application of dealings in
                                               receiving the charge of dealings.
                                               SOLUTION: An insurance policy
                                               number specifying an insurance,
      System and method for completing A system and method for maintaining
      and distributing electronic certificates and transmitting certificates of
                                               insurance. The system includes a
                                               certificate server which is in data
346                                            communication with one or more
                                               agency computers and one or more
                                               insured computers. An insurance
                                               agent using one or more of the
                                               agency computers can create a pro
      insurance              INFORMATION PROBLEM TO BE SOLVED: To
      PROCESSING           DEVICE         AND make it possible to continue an
      METHOD                                   insurance contract that matches the
                                               needs of the insured even when the
347                                            insured       has    difficulty    paying
                                               premiums. SOLUTION: An insurance
                                               contract information acquisition part
                                               20 acquires information on an
                                               existing life insurance contract for
      Method of timing notification letters The time that a notification letter is
      from lender                           sent from a lender to an insured upon
                                            expiration of an insurance binder,
                                            expiration of an insurance policy or
348                                         cancellation of an insurance policy is
                                            ascertained          by      empirically
                                            determining typical delay factors
                                            based on particular insurance
                                            companies. These can include typical
      System and method for providing A method of facilitating the sale of
      exchange traded insurance funds       shares of exchange traded insurance
                                            funds, wherein an order to trade in
                                            shares of an exchange traded
349                                         insurance fund is received from an
                                            authorized agent through an ETIF
                                            portal, the order is matched with a
                                            corresponding order, a price is
                                            determined with respect to the order,
      SERVER, TERMINAL, DEVICE AND PROBLEM TO BE SOLVED: To
      METHOD AND PROGRAM FOR provide a server, terminal or the like
      SUPPORTING insurance SALES for supporting insurance sales task
      TASK,                                 which enables an insurance dealer
350                                         such as an insurance agency to
                                            acquire information being the guide
                                            of the propriety of acceptance of
                                            insurance.          SOLUTION:         A
                                            management server 13 is provided
      insurance CONSULTING SERVER, PROBLEM TO BE SOLVED: To
      CONSULTING        METHOD        AND provide instantly to a customer, an
      PROGRAM                               insurance commodity corresponding
                                            to accident information together with
351                                         the accident information which is
                                            information       on     an    accident.
                                            SOLUTION:            This     insurance
                                            consulting      server     consults    a
                                            customer about an insurance
      SERVER FOR SETTLING insurance PROBLEM TO BE SOLVED: To
      PREMIUM, PROCESSING METHOD easily                 and       surely    perform
      FOR USE AT SERVER, PROGRAM, simultaneous processes for the
      AND RECORDING MEDIUM                  capitalization     of    an   insurance
352                                         contract by an insurance agency and
                                            for the settlement of a received
                                            insurance premium. SOLUTION:
                                            Each agency has accounts at
                                            financial institutions and deposits
      insurance     contract      method, It enables users to surely and easily
      insurance contract system, portable manage the subscribed insurance in
      terminal and insurance contract an insurance contract system which
      computer program product              achieves a new contract, change and
353                                         the like of the contract content
                                            through a portable terminal. An
                                            agency server generates a software
                                            component comprising a user profile
                                            of a user, insurance commodity
      OPERATING ACTIVITY SUPPORT PROBLEM TO BE SOLVED: To
      SYSTEM                                provide a business activity support
                                            system for allowing a business staff
                                            to present information associated
354                                         with insurance corresponding to a
                                            customer through the Internet to
                                            each customer. SOLUTION: When
                                            specification       information         is
                                            transmitted from a portable terminal
      LIFE       SECURITY        MODIFIED PROBLEM TO BE SOLVED: To
      CONTENTS SPECIFICATION                allow a contractor or a business staff
                                            to easily grasp contract contents
                                            before and after its modification.
355                                         SOLUTION:        This    life   security
                                            modified contents specification is
                                            constituted of a modified contract
                                            contents column 12 partially printed
                                            in blue in which the insurance type of
      Internet claims handling services     A method by which insurance claims
                                            may be handled on an on-going and
                                            continuous basis 24 hours a day, 7
                                            days a week. By providing Internet or
356                                         web-based document repository and
                                            distribution    services,     insurance
                                            companies, approved vendors, and
                                            independent adjusters may all
                                            address the loss or claim of an
      insurance SOLICITING SUPPORT PROBLEM TO BE SOLVED: To
      SERVER, insurance SOLICITING provide an insurance soliciting
      SUPPORT          METHOD,          AND support server which enables a client
      PROGRAM                               to     easily   purchase      insurance
357                                         products in a short time by using a
                                            client terminal. SOLUTION: An
                                            insurance soliciting support server 10
                                            for supporting soliciting of insurance
                                            products is provided with an
      TRANSFER SYSTEM, TRANSFER                 A transfer system (10) for
      STATE MEASURING MODULE, transferring a transferred object,
      TRANSFER METHOD, insurance comprising a storage container for
      PAYMENT               CALCULATION storing the object, a measuring part
358   METHOD, AND PROGRAM                   installed on or in the storage
                                            container     and     measuring       the
                                            environment for the object during
                                            transfer, a recording part for
                                            recording the measurement results
      System and method for managing A method for evaluating and
      short term risk                       managing short term risk includes the
                                            steps of identifying a population of
                                            risks, assigning baseline factors to
359                                         risks in the population, developing, by
                                            a statistical regression technique, a
                                            table     of   modification      factors,
                                            modifying the baseline factors
                                            assigned to the risk and generating
      INTEGRATION               SYSTEM, An integration system includes an
      INTEGRATION         MANAGEMENT agent terminal (2) for supporting
      APPARATUS,         AND      AGENT insurance work and an integration
      TERMINAL                            management apparatus (3) of an
360                                       insurance company connected via a
                                          network (4) to the agent terminal for
                                          supporting the insurance work.
                                          Integrated specification data (200)
                                          concerning an insurance contract is
      insurance               CONTRACT PROBLEM TO BE SOLVED: To
      SUPPORTING SERVER, insurance reduce a procedure accompanying
      CONTRACT              SUPPORTING the insurance contract of a plurality of
      SYSTEM         AND        insurance insurances.         SOLUTION:          An
361   CONTRACT              SUPPORTING insurance contract supporting server
      METHOD                              is provided with an insurance storing
                                          part in which insurances having start
                                          dates and maturity dates are stored
                                          cross- referenced with customers, a
      METHODS AND SYSTEM FOR A method and system for providing
      ADDING         LIQUIDITY        TO liquidity to an alternative investment
      ALTERNATIVE           INVESTMENT fund. The transaction includes a
      TRANSACTIONS                        plurality of fund investors (30, 32); an
362                                       alternative investment fund in which
                                          the fund investors commit to the
                                          investment of alternative investment
                                          funds," the alternative investment
                                          fund managed by a fund manager; a
      ACCUMULATION INTEREST RATE PROBLEM TO BE SOLVED: To
      CALCULATION               SYSTEM, provide an accumulation interest rate
      ACCUMULATION INTEREST RATE calculation system and method and
      CALCULATION PROGRAM AND an                 accumulation      interest    rate
363   ACCUMULATION INTEREST RATE calculation program capable of
      CALCULATION METHOD                  reflecting the increase of an
                                          operational yield even in aspects of
                                          interest rate upsurge, and preventing
                                          the generation of inter-contract
      System and method for accessibility A     system      and     method       for
      insurance coverage management       accessibility insurance coverage
                                          management         is   provided.      An
                                          insurance server receives a coverage
364                                       request from a requestor that
                                          includes       a      user      identifier
                                          corresponding to a user (i.e.
                                          policyholder). The insurance server
                                          matches the user identifier with a
      System and method for monitoring The present invention relates to a
      and processing trades               system, process and method for
                                          purchasing securities and selling
                                          insurance policies within a business
365                                       entity having an internal trading
                                          system for inputting trades and an
                                          internal management system for
                                          managing         trade      information.
                                          According to a preferred embodiment
      SYSTEM       FOR       SUMMARIZING          A system to structure and
      INFORMATION          FOR      insurance summarize the key information
      UNDERWRITING SUITABLE FOR required by automated decision-
      USE BY AN AUTOMATED SYSTEM making systems for insurance
366                                           underwriting includes a plurality of
                                              computer devices (2205) used by a
                                              plurality of users to connect to a
                                              network (2202) through a plurality of
                                              connection providers (CPs) (2210). A
      insurance PURCHASE SUPPORT PROBLEM TO BE SOLVED: To
      SERVER, insurance PURCHASE present a risk predicted for a
      SUPPORT SYSTEM AND insurance customer exactly to the customer,
      PURCHASE SUPPORT METHOD                 and propose insurance covering the
367                                           risk to the customer. SOLUTION: An
                                              insurance purchase support server
                                              comprises a customer attribute
                                              storage part for storing customer
                                              attributes in relation to customers, a
      System and method for managing A method for insuring a stock option
      insurance of valuables having issued by an individual company from
      unpredictable fluctuating values        among a population of companies, to
                                              a beneficiary from among a
368                                           population of beneficiaries, against
                                              loss of working ability of the
                                              beneficiary and consequent loss of
                                              the stock option, the stock option
                                              being vestable on at least one
      Collaborative risk transfer system      An automated method and system (
                                              100 ) for the collaborative, on- line
                                              development         and    delivery   of
                                              customized risk transfer programs. A
369                                           profile of risk, liquidity and foreign
                                              exchange is obtained from each
                                              customer via a network connection. A
                                              series of scenarios under both
                                              normal and extreme situations are
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      insurance                    PREMIUM provide a technique which can
      CALCULATION, AND RECORDING precisely predict the remaining value
      MEDIUM WITH insurance PREMIUM according to data having the same
370   CALCULATING                 PROGRAM trends without any decrease of data
      RUNNING          ON       COMPUTER due to fractionization as to the
      RECORDED THEREON                        attribute of an object property that
                                              can exert large influence on the
                                              remaining value. SOLUTION: A
      METHOD        FOR       PROCESSING         A money collection factoring
      INFORMATION           ON      insurance company (300) is established so that
      MONEY PAYING-IN MANAGEMENT insurance fee is collected directly
                                              from a customer (100). In this case,
371                                           the money collection factoring
                                              company (300) judges whether
                                              insurance money can be paid
                                              according to the paying-in date and
                                              registers it. If no money is paid in
      insurance     PRESENTATION                 PROBLEM TO BE SOLVED: To
      SYSTEM,            insurance             provide an insurance, for which the
      PRESENTATION       SERVER,               risk is subdivided based on a
      insurance     PRESENTATION               behavioral pattern of each individual
372   METHOD, AND PROGRAM                      and personal information, to a
                                               customer. SOLUTION: A personal
                                               terminal 10 stores the personal
                                               information of a user 30 in a readable
                                               state from a gate device 20, the gate
      Remote contents estimating system        A contents estimating system and
      and method                               method for providing an estimate of
                                               the cost of settling an insurance
                                               claim which includes a server having
373                                            an embedded program compiled on
                                               the server and embedded in a web
                                               page, a client having a browser
                                               removably connected to the server,
                                               an inventory data acquirer for
      Electronic     insurance   application   A partially-automated system and
      fulfillment system and method            method of generating insurance pre-
                                               applications that reduces data entry
                                               and processing errors. Rules-based
374                                            software applications are used to
                                               generate insurance product options
                                               for     insurance    applicants.    The
                                               fulfillment    of    each     insurance
                                               application is outsourced to a service
      SERVICE           CONTRACT               An applicant with one or a plurality of
      INFORMATION     PROCESSOR,               types of general insurances with the
      CONTRACT       INFORMATION               payment amount of respective
      PROCESSING   METHOD    AND               insurance premiums determined can
375   RECORDING MEDIUM                         inclusively contract for a reserve-type
                                               specified policy allowing reserve with
                                               a special interest rate together with a
                                               general policy. The interest rate is
                                               increased or on the contrary, is
      PERSON       IDENTIFICATION                PROBLEM TO BE SOLVED: To
      RECORD MANAGEMENT SYSTEM,                provide a person identification record
      AND METHOD AND PROGRAM                   management system for efficiently
      FOR PERSON IDENTIFICATION                managing the person identification
376   RECORD MANAGEMENT                        records of a customer stored for an
                                               assignor by an assignee in the
                                               assignment task of a financial
                                               institute obligated to confirm personal
                                               identification. SOLUTION: The
      insurance         CONTRACT                 PROBLEM TO BE SOLVED: To
      APPLICATION          SYSTEM,             provide an insurance contract
      SIMULATION    DEVICE      AND            application system, an insurance
      METHOD      FOR      insurance           guaranteed       contents     simulation
377   GUARANTEED        CONTENTS,              device and method, an accident case
      ACCIDENT CASE PRESENTING                 presenting device and method for
      DEVICE AND METHOD FOR                    insurance       guaranteed      contents
      insurance       GUARANTEED               simulation, an insurance guaranteed
      CONTENTS SIMULATION,                     contents simulation program storage
      Method      and     apparatus    for An apparatus, method, and computer
      automating multi-national insurance program product for maintaining data
      information requests                 regarding the compliance of vendors
                                           with insurance requirements of a
378                                        number of nations.




      Method and system for automating A method is disclosed for creating a
      insurance processes              customized folder structure for a web-
                                       enabled      collaborative    insurance
                                       process. The method includes, for
379                                    each of a plurality of users,
                                       automatically creating a plurality of
                                       standardized folders consistent with a
                                       role of the user in a web-enabled
                                       collaborative insurance process. The
      CONTRACT             CONTENTS PROBLEM TO BE SOLVED: To
      AMENDMENT           RECEPTION provide         a     contract     contents
      SYSTEM, SERVER, METHOD AND amendment reception system for
      PROGRAM                          executing      procedures      for    the
380                                    amendment of the contract contents
                                       of several insurances purchased by a
                                       customer in a batch. SOLUTION: A
                                       reception server 1 transmits the
                                       identification information of a
      System and method for pool risk A system and method for assessing
      assessment                       risk is provided. The method
                                       comprises determining an investment
                                       index associated with investment by
381                                    an insurance company in an
                                       insurance pool. Next, the method
                                       comprises determining a return index
                                       associated with an expected return to
                                       the insurance company from
      Dynamic preloading of insurance An apparatus, program product and
      product data in insurance policy method dynamically preload product
      management system                information      from    an      external
                                       database into the working memory of
382                                    a policy management system to
                                       facilitate efficient, high volume
                                       access to the product information
                                       during runtime of the policy
                                       management system. Typically, the
      Out-of-sequence     endorsement An apparatus, program product and
      processing in insurance policy method add out-of- sequence
      management system                endorsements to an insurance policy
                                       managed by a policy management
383                                    system in such a manner that the
                                       financial and legal effects of those
                                       endorsements are accounted for in
                                       an automated fashion. In particular,
                                       in response to receiving input data for
      insurance-RELATED   SERVICE     PROBLEM TO BE SOLVED: To
      PROCESSING SYSTEM             provide an insurance processing
                                    system for assisting insurance
                                    service generated in a policyholder or
384                                 a related person of each group and a
                                    procedure of welfare and a life design
                                    or the like accompanying it, in
                                    insurance service contracted in group
                                    units. SOLUTION: This insurance-
      insurance        CONTRACT       An insurance contract accounting
      ACCOUNTING SYSTEM             system capable of reducing the
                                    application documents and insurance
                                    deskwork of an agent and an
385                                 insurance company (including a
                                    business shop) while utilizing the
                                    merit of the face-to-face insurance
                                    sales.     An     insurance      contract
                                    management device (2) is connected
      insurance          HANDLER      PROBLEM TO BE SOLVED: To
      INTRODUCTION   SYSTEM AND     provide a system, etc., introducing an
      METHOD                        agency of an insurance contract to a
                                    customer. SOLUTION: The customer
386                                 has      access      to    the    agency
                                    introduction server 2 from a customer
                                    terminal 1 to receive an introduction
                                    to the agency for insurance contract.
                                    The customer inputs information on
      PERSONAL insurance CLAUSE       PROBLEM TO BE SOLVED: To
      CONSTITUTION   SYSTEM, ITS    constitute a personal insurance
      METHOD AND ITS PROGRAM        clause reflecting special agreement
                                    and       appropriately        numbered.
387                                 SOLUTION: As for the clause which
                                    has a stratified provision structure,
                                    the article data containing an article
                                    identifier for identifying each article
                                    and its article text are stored to
      insurance CONTRACT SUPPORT       An insurance contract support
      SYSTEM                        system using a device which helps a
                                    person capable of selling insurance
                                    such as an agent talk with a
388                                 customer at any time at any place for
                                    concluding an insurance contract and
                                    whose maintenance need not be
                                    performed       by     the    agent.   A
                                    management device (2) and a
      DETERMINATIVE SETTLEMENT        PROBLEM TO BE SOLVED: To
      SUPPORT           SERVER,     provide a determinative settlement
      DETERMINATIVE SETTLEMENT      support server that efficiently assists
      SUPPORT METHOD FOR AND        extraction of a contract requiring
389   PROGRAM                       determinative settlement and urging
                                    of settlement. SOLUTION: The
                                    determinative settlement support
                                    server 50 is equipped with a
                                    determinative settlement basic
      NOTIFICATION   SYSTEM     AND       A notification system and a
      NOTIFICATION ADAPTER             notification adapter capable of
                                       significantly reducing a contractor
                                       (customer) load when making an
390                                    emergency contact to an insurance
                                       reception organization and enabling
                                       the contractor to rapidly contact to
                                       the insurance organization if an
                                       emergency arises. A management
      COMPUTER      SYSTEM    AND        PROBLEM TO BE SOLVED: To
      INFORMATION      PROCESSING      provide      information     processing
      METHOD                           technology for safely informing data
                                       regarding requested items including
391                                    the personal information of a user
                                       and requested items to an insurance
                                       agency, etc. according to the
                                       communication environment of the
                                       agency in the case of informing
      METHOD,      PROGRAM,    AND       PROBLEM TO BE SOLVED: To
      SYSTEM     FOR   DETERMINING     provide a total limit amount
      TOTAL LIMIT AMOUNT               determination method or the like,
                                       capable of determining whether a
392                                    requirement for a total limit amount of
                                       one insured person is satisfied or not
                                       when the same insured person is
                                       insured by a plurality of insurance
                                       contracts and obtaining a
      INFORMATION    PROCESSING          PROBLEM TO BE SOLVED: To
      METHOD AND SYSTEM FOR            improve the efficiency of operating
      RESPONDING TO PROSPECTIVE        activities of a sales agent in
      CONSUMER                         introducing a prospective customer to
393                                    the sales agent. SOLUTION: A
                                       customer attribute is determined
                                       based on the information of the
                                       customer, and e-mail including the
                                       information of the sales agent
      insurance INFORMATION SYSTEM,      PROBLEM TO BE SOLVED: To
      insurance INFORMATION SERVER,    provide an insurance information
      insurance         INFORMATION    system which outputs a status for the
      PROVIDING      METHOD,   AND     usage of public insurance and private
394   PROGRAM                          insurance      in    accordance    with
                                       members' diseases. SOLUTION: A
                                       medical institution terminal 10
                                       transmits the member's IDs and the
                                       kinds of the diseases to an insurance
      INFORMATION         PROCESSING     PROBLEM TO BE SOLVED: To
      METHOD AND DEVICE FOR            issue clauses with appropriate
      ISSUING insurance CLAUSE         contents to a customer in a proper
                                       manner.          SOLUTION:         This
395                                    information       processing    method
                                       includes a clause specifying step
                                       specifying clause data requiring issue
                                       to the customer on the basis of data
                                       related to a received insurance
      CORPORATE insurance MEDIUM            PROBLEM TO BE SOLVED: To
      MANAGEMENT          SYSTEM,         efficiently execute various kinds of
      CORPORATE insurance MEDIUM          back-office operations which are
      MANAGEMENT METHOD, AND              accompanied by an operation for
396   CORPORATE insurance MEDIUM          exchanging data on corporate
      MANAGEMENT PROGRAM                  insurance. SOLUTION: A corporate
                                          insurance medium management
                                          system reads out a group basic
                                          information comprising the article
      PREMIUM CALCULATION SYSTEM,           PROBLEM TO BE SOLVED: To
      PREMIUM CALCULATION METHOD          provide a premium calculation
      AND PREMIUM CALCULATION             system, a premium calculation
      PROGRAM                             method and a premium calculation
397                                       program that can accept a composite
                                          premium rate contract. SOLUTION:
                                          The premium calculation system
                                          comprises a host computer 1 for
                                          generating personnel organization
      INFORMATION     PROCESSING            PROBLEM TO BE SOLVED: To
      SYSTEM,        INFORMATION          attain simplification of procedures
      PROCESSING         METHOD,          and wide use of data by digitizing
      PROGRAM,    AND    STORAGE          data for an accident related to
398   MEDIUM                              insurance. SOLUTION: Customers
                                          can perform an insurance claim by
                                          connecting with an information
                                          processing system 100 of an
                                          insurance company by use of
      METHOD, DEVICE AND PROGRAM            PROBLEM TO BE SOLVED: To
      FOR SUPPORTING insurance MAIL       provide a method, device and
      ORDER                               program for supporting insurance
                                          mail order, in which an optimum
399                                       agent can be efficiently selected to
                                          an insurance consultation from a
                                          customer, and the responding state
                                          of each agent to customers can be
                                          precisely grasped. SOLUTION:
      METHOD AND SYSTEM FOR                 PROBLEM TO BE SOLVED: To
      PROCESSING INFORMATION FOR          allocate a sales commission to the
      ALLOCATION    OF    BUSINESS        sales persons concerned of an
      RESULTS OF insurance OR SALE        insurance, with a proper mode.
400   COMMISSION                          SOLUTION: When a data of
                                          indicating an insurance contract
                                          collaborated by a sales partner (SP)
                                          and an agency is included in an
                                          insurance contract data, a step is
      Systems and methods for automated   Systems and methods are disclosed
      transactions processing             for processing transactions between
                                          a customer and a business. An
                                          exemplary system includes a server
401                                       used by the business and being
                                          accessible by the customer, and a
                                          customer account associated with
                                          the customer housed on the server.
                                          The customer account includes
      Liability insurance coverage referral Methods        and      systems        for
      systems and methods                   deterrmining which individual claims
                                            and/or suits submitted for a defense
                                            under a policy of liability insurance
402                                         are best suited to be referred to a
                                            higher level of analysis, such as
                                            outside legal counsel for a coverage
                                            opinion and analysis. Particularly,
                                            those which allow, for example, a
      ON-LINE        SYSTEM      insurance PROBLEM TO BE SOLVED: To
      CONTRACT              INFORMATION provide an on-line system insurance
      PROCESSING         METHOD       AND contract       information      processing
      DEVICE                                method and a device therefor which
403                                         can      electronically    identify     an
                                            insurance subscriber or the like, can
                                            electronically prepare an insurance
                                            contract     documents,       and     can
                                            electronically authenticate the
      insurance marketplace                 An      insurance      marketplace       is
                                            facilitated by providing an interface to
                                            allow a server system to receive a
                                            request from an insurance producer,
404                                         operating in a jurisdiction, to place an
                                            insurance policy of a specific type in
                                            the jurisdiction, and to transmit to the
                                            producer authorization from a broker
                                            who is licensed in the first jurisdiction
      Systems and methods for quoting A system and method is provided for
      reinsurance                           quoting reinsurance. A web server
                                            receives electronic requests for
                                            reinsurance        quotations         and
405                                         authenticates users generating the
                                            requests. An application server
                                            connects with the web server to
                                            formulate the quotation based upon
                                            the requests. A database connects
      Computerized settlement method        The present invention relates to the
                                            settlements of disputes and, in
                                            particular, offers insurance carriers,
                                            self-insured entities, and claimants
406                                         the ability to formulate, review and
                                            electronically      execute        claims
                                            settlements, including releases, and
                                            for providing electronic funds transfer
                                            instructions for immediate release of
      Computer-system        for   Shariah- A computer system and computer-
      compliant computer-aided method for aided method for securing a Shariah-
      securing a Shariah-compliant credit compliant credit enhancement, the
      enhancement                           method including the steps of:
407                                         entering a property value and a
                                            property financing amount as input to
                                            a computer; computing, from the
                                            property value and a property
                                            financing amount, a quantity of
      RECORDING                    SYSTEM, PROBLEM TO BE SOLVED: To
      RECORDING           SERVER,      AND provide a recording system that
      PROGRAM                                records a situation, in which an
                                             insurance sales person explains the
408                                          contents of insurance to a customer.
                                             SOLUTION: The recording system is
                                             equipped with a material information
                                             recording part 10 where genuine
                                             information which is provided to a
      Computer system for managing A method implemented with a
      fluctuating cash flows                 machine, the machine, and the
                                             method for using the machine, and
                                             products produced thereby, the
409                                          method including using a digital
                                             electronic     computer     having      a
                                             processor         programmed          for
                                             electronically processing input data
                                             into output data, the computer
      Insured warranty system and method An insured warranty system 2 for
                                             performing processing by using a
                                             computer, wherein a part or all of
                                             insurance premiums paid to a
410                                          guaranty company 6 by a client 3
                                             who got a loan from a financial
                                             company 4 is paid to a nonlife
                                             insurance company 8 as insurance
                                             money by said guaranty company 6 ;
      Automated system and method for A system and method for evaluating
      evaluating insurable risks at point of an insurable risk and providing an
      sale                                   immediate, binding insurance offer to
                                             cover that risk, includes the collection
411                                          of    self-reported    and     objective
                                             information relating to the risk. The
                                             information is provided to an
                                             automated underwriting program that
                                             evaluates and rates the insurable risk
      Systems and methods for assessing Methods and systems are provided
      the potential for fraud in business for assessing the potential for fraud
      transactions                           of an insurance claim. In some
                                             embodiments, request data may be
412                                          provided to a computer system. In
                                             some embodiments, at least one
                                             fraud potential indicator may be
                                             assessed to the request data from at
                                             least one comparison of at least one
      Method for automated insurance insurance renewal is facilitated in a
      pricing and renewal notification       computerized system by filtering
                                             information on expiring insurance
                                             contacts      to    determine     which
413                                          contracts qualify for automatic
                                             pricing. In response to a signal from
                                             a client, a portfolio of the client's
                                             expiring contracts is generated and
                                             the client is provided with a display of
      Methods      and      apparatus     for Systems      and      techniques    for
      developing and marketing combined designing and marketing combined
      insurance packages                      insurance packages are described. A
                                              system according to one aspect of
414                                           the present invention provides for
                                              assembling and marketing insurance
                                              packages including a combination of
                                              mortgage insurance and one or more
                                              other insurance components and
      insurance CONTRACT SYSTEM, PROBLEM TO BE SOLVED: To
      insurance CONTRACT METHOD, provide an insurance contract system
      AND       insurance      CONTRACT which can be changed freely during
      SIMULATION PROGRAM                      an arbitrary term from contract
415                                           conclusion to contract expiration.
                                              SOLUTION: This system is provided
                                              with a simulation means for selecting
                                              a desired term among a plurality of
                                              terms related to insurance contract;
      Method and system for describing A method for information retrieval
      and identifying concepts in natural that        matches      occurrences     of
      language text for information retrieval concepts in natural language text
      and processing                          documents against descriptions of
416                                           concepts in user queries. Said
                                              method, implemented in a computer
                                              system, includes a preferred version
                                              of the method that comprises (1)
                                              annotating natural language text in
      insurance                  PRODUCT PROBLEM TO BE SOLVED: To
      MANAGEMENT SYSTEM, insurance provide               an     insurance     product
      PRODUCT                MANAGEMENT management system, an insurance
      METHOD AND insurance PRODUCT product management method and an
417   MANAGEMENT PROGRAM                      insurance     product     management
                                              program for properly selecting an
                                              optimal insurance product fit the
                                              insurance of the future life of a
                                              customer from among a plurality of
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      PROCESSING insurance GOODS, provide                 an     insurance     goods
      COMPUTER          PROGRAM         FOR processing system which is designed
      REALIZING       insurance     GOODS to consider a scheduled rate of
418   PROCESSING METHOD                       interest used for calculation of a
                                              reserve fund of installment type
                                              insurance goods, and information of
                                              progressed years for an insurance
                                              premium paid each time, an
      Method for quoting and contracting A method is provided for use of an
      for management of inputs and information management system to
      services under a commercial service produce quotations and related
      agreement, with a service loss information on optimized inputs and
419   guaranty or insurance policy and services for the production of food,
      using an information management feed, fiber, livestock, and the like,
      system                                  and     to     execute      customized
                                              commercial      service    agreements
                                              including a performance guaranty or
      insurance                  CONDITION PROBLEM TO BE SOLVED: To
      SPECIFICATION           PROCESSING perform quantitative analysis about
      METHOD AND DEVICE                        an impact when risk is actualized,
                                               then, to specify a proper insurance
420                                            condition. SOLUTION: A process for
                                               calculating future financial data of an
                                               analysis object enterprise by use of
                                               at least data on virtually generated
                                               damage and data on insurance
      System and method for assigning A method of assessing risk in an
      quality to cryptographic identities electronic           transaction      involves
      used in a digital transaction            assignment of quality attributes to
                                               cryptographic identities presented in
421                                            a digital transaction. The quality
                                               assignment supports assessment of
                                               risk in the transaction. The evaluation
                                               of risk in the transaction is made by
                                               assessing machine readable
      Negotiation     and     fulfillment   of The present invention relates to
      insurance conditions and release of systems and methods to support
      goods for export                         import-export transactions. More
                                               particularly, it includes methods and
422                                            systems for negotiating insurance
                                               conditions,       for     advising     or
                                               determining that the insurance
                                               conditions have been met and for
                                               electronically initiated release of
      INCOME       AND       EXPENDITURE PROBLEM TO BE SOLVED: To
      SIMULATION          PROGRAM         AND provide an income and expenditure
      INCOME       AND       EXPENDITURE simulation program and an income
      SIMULATION            SYSTEM         OF and expenditure simulation system,
423   VARIABLE insurance                       which efficiently simulate income and
                                               expenditure of a variable insurance.
                                               SOLUTION: When a simulation value
                                               of insurance premium income of
                                               each year is calculated in income and
      insurance          GUIDE          BOOK PROBLEM TO BE SOLVED: To
      FORMATION METHOD, insurance prepare an insurance guide book
      GUIDE BOOK, AND PRINT DATA easy to see at a providing destination
      GENERATION SYSTEM                        although information according to the
424                                            attribute information of the providing
                                               destination cannot be posted.
                                               SOLUTION: insurance guide books
                                               to be distributed from an insurance
                                               agency 20 to companies 10-1 to 10-n
      insurance                  CONTRACT PROBLEM TO BE SOLVED: To
      PROCESSING SYSTEM                        provide an insurance contract
                                               processing system capable of
                                               carrying out an insurance contract
425                                            process capable of eliminating
                                               exchange of documents requiring
                                               signatures and impresses to improve
                                               efficiency of the process, and of
                                               surely determining insurance contract
      TRUST                 GOVERNANCE Methods for managing business risk
      FRAMEWORK                            include establishing standards and
                                           engaging trusted parties to perform
                                           due diligence and assessments of
426                                        business risk against the standards.
                                           The results of the assessments are
                                           delivered in accordance with a
                                           protocol. Trust governance for
                                           entities is implemented and trust
      SYSTEM AND PROCESS FOR An outlier detector (3610) that
      DETECTING         OUTLIERS      FOR exploits the existing risk structure of
      insurance          UNDERWRITING the decision problem in order to
      SUITABLE FOR USE BY AN discover risk assignments that are
427   AUTOMATED SYSTEM                     globally inconsistent is described.
                                           The technique works on a set of
                                           candidates (3804, 3808) for which
                                           risk categories have already been
                                           assigned. In the case of insurance
      [Automated system and method for The          present      invention     relates
      providing accurate, non- invasive generally to automatic insurance
      insurance status verification]       verification, and more specifically, to
                                           a non- invasive method and system
428                                        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
      INFORMATION             PROCESSING PROBLEM TO BE SOLVED: To
      METHOD,                INFORMATION provide a system for setting a new
      PROCESSING                   SYSTEM, insurance plan according to the
      PROGRAM, AND RECORDING contract                    contents       of     current
429   MEDIUM                               insurance when the current insurance
                                           is shifted to new insurance.
                                           SOLUTION:           This       information
                                           processing           system          stores
                                           information(correspondence
      System, method and computer System, method and computer
      product for optimal pricing of a program product for optimal pricing of
      financial product                    financial products. Data related to the
                                           financial product is extracted from at
430                                        least one data source. A structured
                                           data file is generated from the data.
                                           The structured data file comprises a
                                           plurality of attributes and a plurality of
                                           price parameters related to the
      PREMIUM CALCULATION SYSTEM, PROBLEM TO BE SOLVED: To
      PREMIUM                CALCULATION appropriately measure a risk of a
      METHOD,        AND        COMPUTER minimum guaranteed benefit for
      PROGRAM                              preventing the shortage of payment
431                                        financial resources for a premium
                                           without respect to the result of
                                           operation performance due to the
                                           fluctuation of a stock market.
                                           SOLUTION: A plurality of operation
      PREMIUM CALCULATION SYSTEM, PROBLEM TO BE SOLVED: To
      PREMIUM                CALCULATION appropriately measure a risk of a
      METHOD,          AND      COMPUTER minimum guaranteed benefit for
      PROGRAM                              preventing the shortage of payment
432                                        financial resources for a premium
                                           without respect to the result of
                                           operation performance due to the
                                           fluctuation of a stock market.
                                           SOLUTION: A plurality of operation
      Method of purchasing insurance or A method purchasing insurance is
      validating an anonymous transaction provided , the method comprising the
                                           steps of entering into a contract of
                                           insurance with the insurer based
433                                        solely on the generalised identity
                                           (perhaps created for that particular
                                           purpose) that is associated with
                                           selected policy attributes (possibly
                                           generalised to ranges etc.) or
      Portfolio integration module for The present invention provides
      providing financial planning and systems and methods for facilitating
      advice                               financial advising and planning for a
                                           user using a portfolio integration
434                                        module. In accordance with an
                                           exemplary embodiment of the
                                           present     invention,    the    system
                                           includes a portfolio integration
                                           module for facilitating integration of a
      Methods and systems for managing A method for managing a portfolio of
      a portfolio of insurance products    insurance products is provided. The
                                           method uses a computer system
                                           coupled to a database. The database
435                                        has data relating to insurance
                                           products stored therein. The data
                                           relates to at least one of premiums,
                                           commissions, insurance policies,
                                           reinsurance policies, contracts, policy
      Systems and methods for configuring Methods and systems are provided
      and processing insurance information for attaching a note to an insurance
                                           policy     or    claim.     In     some
                                           embodiments, an icon next to a part
436                                        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, by
                                           clicking on the corresponding icon
      UPDATE PROCESSING METHOD PROBLEM TO BE SOLVED: To
      AND DEVICE                           improve business efficiency in update
                                           of an insurance contract. SOLUTION:
                                           This update processing method
437                                        includes: a process for referring to
                                           information storage part storing
                                           contract information of an update
                                           target, deciding whether the contract
                                           of each the update target satisfies a
      METHOD FOR EVALUATING PAID             PROBLEM TO BE SOLVED: To
      insurance PREMIUM, METHOD FOR        provide an insurance management
      MANAGING     insurance    POLICY     system for managing the insurance
      CHANGE,        SYSTEM       FOR      which corresponds to the needs
438   MANAGING       insurance,   AND      accompanying the environmental
      PROGRAM       FOR     ACHIEVING      changes of a contractor. SOLUTION:
      insurance          MANAGEMENT        A reserve managing part 200
      FUNCTION IN COMPUTER                 includes the function of managing the
                                           main contract reserve, and
      DEVICE, PROGRAM AND METHOD           PROBLEM TO BE SOLVED: To
      FOR AUTOMATIC PAYMENT OF             provide     an     insurance     benefit
      insurance BENEFIT                    calculation device which can transfer
                                           insurance benefits directly and in a
439                                        short period of time, without through
                                           a person in charge of an insurance
                                           company, an insurance benefit
                                           calculation     program      and     an
                                           insurance benefit calculation means
      Business enterprise risk model and   A method for evaluating the risk
      method                               associated with an enterprise is
                                           presented. The method, based on a
                                           value-at-risk approach, uses a large
440                                        number of scenarios to simulate the
                                           potential variation in the enterprise's
                                           future surplus capital based on its
                                           current assets and liabilities, and
                                           produces a probability distribution of
      System and methods for maximizing    To enable a non-profit to make
      donations and identifying planned    informed decision about how to
      giving targets                       spend its limited resources efficiently
                                           to maximize its donations, systems
441                                        and methods to determine prospect
                                           propensity and prospect capacity to
                                           identify what types of donations, such
                                           as annual gifts, major one-time gifts,
                                           or planned gifts, the non-profit should
      Method and apparatus for automated   In one embodiment of the present
      insurance processing                 invention, information about a
                                           customer is entered into an electronic
                                           system. In one embodiment, the
442                                        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,
      METHOD AND         DEVICE FOR        PROBLEM TO BE SOLVED: To
      SUPPORTING           REVIEWING       provide an insurance review support
      insurance                            method and device for supporting an
                                           object person who tries to review
443                                        insurance to learn the basic
                                           knowledge of insurance, and to
                                           understand the contents of already
                                           contract insurance, and to review
                                           insurance by himself or herself.
      insurance INVITATION SYSTEM            PROBLEM TO BE SOLVED: To
                                             provide an insurance agent extensive
                                             insurance invitation system capable
                                             of efficiently and easily performing an
444                                          extensive insurance entry invitation in
                                             an agent which handles insurances
                                             extending over a plurality of direct
                                             writing      insurance      companies.
                                             SOLUTION: A customer of the agent
      insurance   DIAGNOSTIC     DESIGN        PROBLEM TO BE SOLVED: To
      DEVICE                                 provide an insurance diagnostic
                                             design device capable of simplifying
                                             insurance calculation and allowing a
445                                          customer to easily grasp the
                                             insurance content. SOLUTION: This
                                             insurance diagnostic design device
                                             comprises: a selection input means 1
                                             for selecting and inputting the type of
      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
446                                          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
      System for searching and solving for   A system for evaluating and scoring
      insurance products                     software products in which illustration
                                             engines      relating    to   insurance
                                             products are run based on a common
447                                          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
      insurance   FEE    RECEIVING           PROBLEM TO BE SOLVED: To
      SUPPORT DEVICE, insurance FEE          improve the convenience of a user
      RECEIVING SUPPORT METHOD               concerning the receiving of an
      AND insurance FEE RECEIVING            insurance fee without increasing the
448   SUPPORT PROGRAM                        job amounts of an insurance
                                             company. SOLUTION: One receiving
                                             agency selected by a user from a
                                             plurality of receiving agencies
                                             (financial machinery window system
      PREPARATION SUPPORT SYSTEM             NotAvailable
      FOR WRITTEN ESTIMATE AND
      WRITTEN      APPLICATION IN
      insurance SERVICE
449
      Systems and methods for automating Systems and methods automate data
      the capture, organization, and entry and processing. Data is
      transmission of data               automatically entered into a system
                                         by reading a user identification card.
450                                      The data can be supplemented with
                                         additional information, if necessary,
                                         and processed by the system. In one
                                         embodiment, the data is used to
                                         register an employee for an
      System and method for insuring A product, and preferably an
      against tax liabilities            insurance product, whereby the
                                         product benefits reimburse the
                                         purchaser for those risks associated
451                                      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
      insurance INFORMATION SYSTEM, PROBLEM TO BE SOLVED: To
      SERVER,           METHOD,    AND provide an insurance information
      PROGRAM                            system which outputs a status for
                                         usage of public insurance and private
452                                      insurance      in     accordance     with
                                         members' diseases. SOLUTION: A
                                         medical institution terminal 10
                                         transmits members' IDs and the
                                         kinds of diseases to an insurance
      System and method to reduce A system and method are disclosed
      insurance premiums                 to reduce insurance premiums for
                                         clients participating in a plan
                                         administered        by   an     operating
453                                      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
      SYSTEM AND METHOD FOR The present invention relates to
      EVALUATING insurance MEMBER systems and methods for evaluating
      ACTIVITY AND PRICING insurance and establishing pricing of insurance
      PRODUCTS                           products based on insured member
454                                      compliance        to    health-promoting
                                         measures. Member participation in
                                         health-promoting        measures      are
                                         monitored and used as a basis for
                                         establishing incentives ( i.e. ,
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      PREMIUM RATE SETTLEMENT provide a system and a method
      FOR insurance AGENT                allowing reduction of an office job
                                         load such as legal bookkeeping,
455                                      deposit of a received premium to an
                                         agency account,           and    monthly
                                         settlement business of an insurance
                                         agency and early receipt of an
                                         agency commission in premium
      COMPUTER        SYSTEM    AND None
      METHOD       FOR     MANAGING
      FINANCIAL FUNDING OF A FINITE
      insurance POLICY
456




      Object oriented demographically The present invention involves a
      predictive insurance agency asset computer system and method for
      evaluation system and method      evaluating a portfolio of insurance
                                        policies system and method which
457                                     evaluates the portfolio. The computer
                                        determines relevant data from a
                                        database of experiential data relating
                                        to     insurance      policies.     Also,
                                        characteristics of a portfolio of
      COMPUTER SYSTEM MANAGING Apparatus (method implemented
      AN        insurance       RESERVE with a machine, the machine, and the
      REQUIREMENT BY SEGMENTING method for making the machine, and
      RISK      COMPONENTS        IN  A products produced thereby). The
458   REinsurance TRANSACTION           computer system can, for example,
                                        be structured (e. g., including
                                        programmed) to carry out the steps
                                        of: calculating an insurance reserve
                                        requirement from data; segmenting,
      FRAUD POTENTIAL INDICATOR Methods and systems are provided
      GRAPHICAL INTERFACE               for displaying a fraud potential
                                        indicator graphical interface. In some
                                        embodiments, at least two fraud
459                                     potential indicators may be displayed
                                        for at least two fraud potential
                                        detection techniques for business
                                        transactions. In some embodiments,
                                        fraud potential indicators may be
      System and method for evaluating A computer system and method for
      underwriting requirements         evaluating underwriting requirements,
                                        and for evaluating expected changes
                                        in mortality of an insurable class in
460                                     response to changes in such
                                        requirements.          In         certain
                                        embodiments, the method and
                                        system involves storing data relating
                                        to the requirements, determining
      insurance coverage system and Methods and systems for providing
      method                            and servicing timeshare ownership
                                        packages. A user using a computer
                                        accesses a user interface provided
461                                     by a server over a network. The user
                                        submits ownership information of a
                                        user's timeshare ownership via the
                                        user     interface.    A     quote     is
                                        automatically generated for an
      Systems, methods and computer Product              offering    systems     are
      readable medium for wireless provided. Product offering systems
      solicitations                          may include sending an offer to a
                                             customer that possesses a mobile
462                                          computing device and has agreed to
                                             receive offers for products via the
                                             mobile computing device. Agreeing to
                                             receive offers would result in the
                                             unique data about the customer
      Method for evaluating the value of A method relates to the assessment
      group and individual insurance and selection of group and individual
      products                               insurance products. The method
                                             includes the relative valuation of
463                                          diverse contractual attributes and the
                                             syntheses of these relative valuations
                                             into a Value Index for each insurance
                                             product     being     evaluated.  The
                                             analysis method can be used for the
      A Remote Communication System A system and method implemented
      and Method Implementing a Session using a session server and one or
      Server and One or More Object more object servers allows an
      Servers                                individual to provide input at a client
464                                          terminal and perform server-speed
                                             processing of electronic insurance
                                             documents at the server rather than
                                             the client. The session server loads
                                             at least one software module among
      System for operating a prepaid Disclosed is a system for operating a
      reloadable debit card having ancillary prepaid reloadable debit card. The
      services                               system includes providing ancillary
                                             services associated with the prepaid
465                                          reloadable debit card. The prepaid
                                             reloadable debit card is primarily
                                             directed to the unbanked" population
                                             and may provide a means for
                                             remittance to immigrants for
      Method and system for computerized This invention relates generally to a
      insurance underwriting                 computer system and method for
                                             integrating       insurance      policy
                                             underwriting. In one aspect it
466                                          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
      Insuring a negative non-monetary A computer-based method that
      utility                                includes specifying an arbitrary
                                             negative non-monetary utility that will
                                             be incurred by a beneficiary of
467                                          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
      Method and apparatus for collecting A method and appartus for
      inventory information for insurance automatically gathering data about
      purposes                            assets of a data center for use in
                                          assessing risks in writing insurance
468                                       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 all
      insurance     POLICY     RENEWAL A system and method for the
      CHAIN                               automatic linking of expired, current,
                                          and future insurance policies is
                                          provided. Within each insurance
469                                       policy is a plurality of conditions
                                          frequently used in the determination
                                          of an insurance policy premium or
                                          rate quote. Such terms are calculated
                                          based upon information either
      AUCTION SYSTEM, AND SYSTEM To realize a commercial transaction,
      FOR                 CONSTITUTING which is disclosed transparently and
      INVESTMENT         TRUST      FUND fairly and which can be marketed at a
      COMMODITY             CONTAINING proper price, when an arbitrary
470   insurance    MONEY      RECEIVING receiving right (or accepting right) is
      RIGHT                               marketed. In an auction system
                                          through a communication network
                                          between an exhibitor and a bidder,
                                          the proper price of an insurance
      SYSTEM AND METHODS FOR According to one embodiment of the
      TRANSACTION PROCESSING              invention, an architecture is provided
                                          for a data processing system that
                                          processes data for a service provider
471                                       itself or a client of a service provider
                                          as in the case of a third party
                                          processor. The elements of the
                                          architecture     can     be    managed
                                          separately. For example, the
      Automatically administering a non- A computerized system and method
      disinvesting policy loan on an for administering non- disinvesting
      insurance contract                  policy loans on insurance contracts.
                                          Grant or denial of a non-disinvesting
472                                       policy loan on an insurance contract
                                          is based on market conditions and
                                          specific policy data. The invention
                                          administers      such     a    loan    in
                                          compliance with state insurance laws
      Method, system, and service for The invention broadly comprises a
      quantifying network risk to price method for determining financial loss
      insurance premiums and bonds        related to performance of an
                                          internetwork. The method correlates
473                                       input       information        regarding
                                          performance of an internetwork to
                                          operations of a financial entity
                                          underwriting insurance premiums
                                          and bonds and translates the
      System and method for         trading The invention allows trading on an
      restricted financial products          exchange of non-taxable insurance
                                             funds and other financial products for
                                             which ownership and/or trading rights
474                                          are       restricted.     In     certain
                                             embodiments, the invention relates to
                                             systems and methods for validating
                                             and routing orders for restricted
                                             financial products. Other
      On-line interactive system and The present invention includes a
      method for transacting business        method for transacting business over
                                             a network between multiple buyers
                                             and sellers. In an exemplary
475                                          embodiment, the invention operates
                                             within an improved extranet system
                                             which is a secure, limited access
                                             network which operates within the
                                             larger public packet switched network
      METHODOLOGY                      FOR       A system and method for
      GENERATING FLEXIBLE insurance implementing an insurance plan to
      PLANS USING A HIERARCHICAL coordinate an adjudication of a
      MODEL         WITH       OVERRIDE submitted claim corresponding to the
476   CAPABILITIES                           plan. The plan includes a people
                                             model and a benefit model, such as
                                             hierarchical trees combined by a
                                             plurality of policies. The system and
                                             method comprise assigning a first
      Real-time      insurance        policy Provided is a technique for evaluating
      underwriting and risk management       risk associated with underwriting an
                                             insurance policy (FIG. 1 ). At least
                                             one location to be covered under the
477                                          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 the location
      AUCTION RESULT PREDICTION None
      AND insurance


478




      PERFORMING   AUTOMATICALLY Techniques        are    described    for
      AUTHORIZED   PROGRAMMATIC facilitating     interactions    between
      TRANSACTIONS               computing systems, such as by
                                 performing transactions between
479                              parties     that     are   automatically
                                 authorized       via     a    third-party
                                 transaction authorization system. In
                                 some situations, the transactions are
                                 programmatic transactions involving
      AUTOMATIC AUTHORIZATION OF Techniques                  are    described    for
      PROGRAMMATIC TRANSACTIONS facilitating               interactions    between
                                           computing systems, such as via a
                                           third-party transaction authorization
480                                        system that automatically authorizes
                                           transactions between parties. In
                                           some situations, the transactions are
                                           programmatic transactions involving
                                           the use of fee- based Web services
      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
481                                        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
      Cash flow monitoring mechanism A system, system component and
      and methodology                      methodology support compliance
                                           with fund and advisor policies and
                                           procedures designed to prevent the
482                                        violation of federal securities laws by
                                           determining an indication of whether
                                           a fund's value is potentially being
                                           affected by market timing practices.
                                           At least one algorithm is utilized to
      Methods and systems for providing In one aspect, the invention
      GMWB        hedging     and    GMDB comprises computer processors
      reinsurance                          operable to identify a block of
                                           idealized        policies,     computer
483                                        processors operable to calculate risk
                                           related to the block of idealized
                                           policies based on specified actuarial
                                           assumptions;          and      computer
                                           processors operable to provide a
      Method and system for insurance A system and method for insurance
      portfolio analysis                   portfolio analysis is provided. More
                                           specifically, a web based system is
                                           disclosed      for     managing     user
484                                        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.
      Method and system for handling In this method a credit card entitled
      rebate-entitled credit card payment for rebates initiates a payment
      transactions                         transaction with a merchant granting
                                           rebates, resulting in a rebate amount
485                                        being calculated from the purchase
                                           sum of the payment transaction and
                                           a set rebate rate and the rebate
                                           amount being forwarded to a storage
                                           area assigned to the rebate entitled
      Method for controlling fraud and A method for controlling fraud using a
      enhancing security and privacy by personal hybrid card and a
      using personal hybrid card             verification process is disclosed. The
                                             method includes registering personal
486                                          information of an individual in a
                                             database forming a registered
                                             account for the individual, and
                                             assigning a personal hybrid card to
                                             the individual with the registered
      Return-of-premium insurance system An insurance method comprising a
      and method                             return-of- premium (ROP) benefit is
                                             disclosed. The ROP benefit is applied
                                             to property and casualty insurance
487                                          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
      Integrated      group        insurance An integrated information storage
      information processing and reporting processing and reporting system for
      system based upon an enterprise- processing and supervising a plurality
      wide data structure                    of group insurance accounts was
488                                          contructed with a single enterprise-
                                             wide relational data base. The
                                             system provides sales, underwriting,
                                             administration and actuarial functions
                                             through integrated program-
      System for funding, analyzing and The invention relates to a system for
      managing health care liabilities       funding and managing retiree health
                                             care benefits. The system employs a
                                             VEBA trust which in turn purchases
489                                          variable life insurance contracts on
                                             the lives of a selected group of
                                             employees covered by the VEBA
                                             trust. The premiums from the life
                                             insurance contracts are used as
      METHOD AND SYSTEM FOR Method and system for patient-
      PATIENT-ORIENTED                       oriented optimization of orders of
      OPTIMIZATION OF ORDER OF care treatments offered by a care
      CARE        TREATMENTS            AND provider as well as a patient
490   PATIENT IDENTIFICATION CARD identification card for use in this
      FOR USE IN SUCH A METHOD OR method and in this system,
      SUCH A SYSTEM                          comprising: the reading of an access
                                             code by a computer programme
                                             loaded into a computer, said access
      Design grid for inputting insurance A computer implemented graphical
      and investment product information user          interface    for     receiving
      in a computer system                   instructions and information relating
                                             to insurance products, and for
491                                          displaying      insurance     proposals
                                             relating thereto. The graphical user
                                             interface has an insured section for
                                             receiving personal information about
                                             a person to be insured and a product
      SYSTEM FOR MEDICAL BENEFITS A method for operating a computer
      CLEARINGHOUSE                           apparatus for applying the rules for
                                              coordination of benefits to claims
                                              under medical insurance. The
492                                           computer has a first database
                                              containing a grand census file
                                              identifying all individuals by social
                                              security      number       of    personal
                                              identification number together with
      Method and apparatus for generating A system for generating a document
      a proposal response                     in response to a request for
                                              information has the capability of
                                              receiving scanned documents that
493                                           have a series of questions. The
                                              present invention has databases of
                                              questions and associated answers. A
                                              respondent prepares the subject
                                              questions for a searching procedure
      System and method of risk transfer A system and method of accepting
      and risk diversification including risk through contractual obligations
      means to assure with assurance of transfers a portion of the risk to
      timely payment and segregation of investors and includes means for
494   the interests of capital                absolute      assurance       of    timely
                                              payment to contract holders, and
                                              segregation, of the interests of
                                              particular investors to specifically
                                              identified risks in a risk to capital
      Method and system for processing Method and system for processing
      and recording the transactions in a transactional data and monitoring
      medical savings fund account            funds invested in money market
                                              mutual funds for use in the purchase
495                                           of health insurance policies and the
                                              payment of medical expenses. The
                                              method and system permits the
                                              establishment of a medical savings
                                              account for payment of
      Method and system for processing A system or network for assembling,
      health     care      electronic   data filing and processing health care data
      transactions                            transactions and insurance claims
                                              made by patients pursuant to health
496                                           care policies issued to the patients by
                                              insurance companies or other
                                              carriers for service provided to the
                                              patients at health care facilities. The
                                              network comprises a multitude of
      Apparatus       and      method    for A method for using a digital electrical
      determining       insurance     benefit apparatus to electrically process
      amounts based on groupings of long- signals in generating output for
      term care patients with common insurance                documentation,         the
497   characteristics                         method including the steps of: in a
                                              digital electrical computer apparatus
                                              comprising a digital computer having
                                              a     processor,        the     processor
                                              electrically connected to a memory
      Providing termination benefits for A computer-based method for pricing
      employees                               and managing an insurance product
                                              under which an insurer will provide
                                              termination benefits to employees
498                                           who are non-voluntarily terminated
                                              from employment by an employer.
                                              The product reduces adverse
                                              selection risks and durational risks
                                              associated with periods of
      Computer-aided method, machine, A method implemented with a
      and products produced thereby, for machine, the machine, and method
      illustrating a replacement of a benefit for using the machine, and products
      plan that is viable at one location but produced thereby, the method
499   not viable at the location of the including a digital electrical computer
      replacement                             having a processor programmed for
                                              electrically processing input data into
                                              output data, the computer electrically
                                              connected to an input device and to
      Method and system for providing a A method and system for allowing a
      user-selected healthcare services user to select a healthcare services
      package and healthcare services package is disclosed where a central
      panel customized based on a user's server generally receives personal
500   selections                              information data from the user over
                                              the Internet regarding the user's
                                              preferences      with     respect    to
                                              healthcare service providers and the
                                              user's sponsor, i.e., the party
      WEB BROWSER BASED BILLING A web browser (14) based billing
      SYSTEM FOR HEALTH CARE system for health care provider claim
      PROVIDER CLAIMS                         submission is disclosed wherein the
                                              provider connects directly to the
501                                           system of the present invention over
                                              an open network utilizing browser
                                              software. A site server (18) is
                                              provided which incorporates the
                                              databases (20) of the present
      SYSTEM,         APPARATUS,        AND An individual is enabled to develop
      METHODS FOR DEVELOPING AND medical contingency plans that are
      DELIVERING                    HEALTH automatically        activated     if  the
      INFORMATION                             individual is rendered unable to
502                                           assert his or her own will by an injury
                                              or a medical condition. Medical
                                              information and health information
                                              are     assembled       and     advance
                                              directives are formulated in a manner
      ONLINE QUOTATION SYSTEM A computer system (100) processes
      ALLOWING            FOR      PARTIAL and provides quotations of prices to
      RESULTS VIEWING AND FULL consumers (102) for products or
      RESULTS VIEWING                         services by storing, in a server
503                                           cluster coupled to a network (114), a
                                              database of quote data (108),
                                              wherein the database of quote data
                                              (108) includes parameters relating to
                                              prices and other offering terms for
      LIFE INFORMATION ACQUISITION PROBLEM TO BE SOLVED: To
      SYSTEM AND METHOD FOR rationally constitute a system for
      PREPARING CARE PLAN                    enabling accurate judgment at the
                                             time of authorizing long- term care
504                                          insurance. SOLUTION: For the
                                             house H of the object person of the
                                             long-term care insurance, a camera
                                             is provided as a sensing part S so as
                                             to photograph the life of the object
      LONG-TERM         CARE      insurance PROBLEM TO BE SOLVED: To
      SYSTEM INTERLOCKED WITH provide a long-term care insurance
      PUBLIC insurance OF ELDERLY system interlocked with public
      CARE                                   insurance of elderly care for a private
505                                          life insurance company having a
                                             payment reason in the form
                                             interlocked with the certification of
                                             public insurance of elderly care.
                                             SOLUTION: Long-term care
      Method and system for provision and Transactional costs associated with
      acquisition of medical services and providing professional services are
      products                               reduced by allowing prospective
                                             patients/clients     (bidders)      and
506                                          professional service providers to
                                             negotiate competitively for desired
                                             fees for proffered services through an
                                             interactive on-line communications
                                             network such as the Internet. In an
      Methods and systems for providing The invention presented herein
      life management and enhancement relates to methods and systems for
      applications    and    services    for providing life management and
      telematics and other electronic enhancement               applications     and
507   medium                                 services to customers via an
                                             electronic medium such as the
                                             Internet. In addition, the present
                                             invention is directed to business-to-
                                             business and business-to-customer
      Method and system for remotely Human resource and employee
      managing business and employee benefit products for businesses,
      administration functions               implemented on one or more
                                             computing devices connected to the
508                                          Internet,     are    managed        and
                                             administered. The combination of
                                             human resource and employee
                                             benefit products required by the
                                             businesses are determined, and are
      METHOD AND SYSTEM FOR PROBLEM TO BE SOLVED: To
      SUPPORTING NURSING SERVICE easily apply for service (necessities
                                             for nursing and nursing service) that
                                             is not satisfied only by nursing care
509                                          insurance and to easily make a
                                             settlement in a nursing home.
                                             SOLUTION: This nursing service
                                             support system 10 functioning as a
                                             nursing portal site where a plurality of
      MEDICAL MANAGEMENT SYSTEM              A medical management system. The
                                            burdensome task of medication
                                            logging is greatly reduced for a
                                            patient      when       compared       to
510                                         conventional methods to perform
                                            these tasks. Moreover, the invention
                                            allows         for       pharmaceutical
                                            supplier/providers and healthcare
                                            providers the ability better to
      Method, apparatus, and products for   The present invention relates to
      managing insurance                    managing insurance programs. In
                                            another aspect, the present invention
                                            relates to managing insurance
511                                         programs that provide an opportunity
                                            for a policy owner to be eligible for
                                            increasing benefits the greater the
                                            total amount of premiums paid by the
                                            policy owner. In even another aspect,
      EMERGENCY SUPPORT SYSTEM                PROBLEM TO BE SOLVED: To
                                            provide an emergency support
                                            system for enabling a contractor
                                            under contract with an insurance of
512                                         an insurance company to require
                                            simply support for an emergency to
                                            the insurance company, and to go
                                            quickly to a hospital, a police, a local
                                            office or the like for coping with the
      PRIVATE     HEALTH insurance            PROBLEM TO BE SOLVED: To
      SYSTEM AND PRIVATE HEALTH             provide an insurance system with
      insurance METHOD                      which the application of the highly
                                            advanced medicine of high quality
513                                         can be applied in a reliable medical
                                            institution close to a life area and
                                            which includes a substantially
                                            continued        evaluation       system
                                            including a patient satisfaction level
      PORTAL SITE SERVER           WITH     Financial product
      COMPENSATION


514




      Patient - controlled automated A system and process for providing a
      medical record, diagnosis, and computerized       medical       and
      treatment system and method    biographical records database and
                                     diagnostic information. A medical
516                                  records database and diagnostic
                                     program is stored on a central
                                     computer that is accessible to
                                     individuals using remotely situated
                                     computers connected to a computer
      System and method for providing The present invention offers a
      online management of medical system to deliver and manage
      savings accounts and benefits personalized health care information,
      selection                              health care financial services, and an
517                                          insurance and provider marketplace,
                                             and provides an enhanced and
                                             enticing consumer experience not
                                             achieved in the declining managed
                                             care model. The system provides a
      METHOD AND SYSTEM FOR A method is disclosed for providing
      PROVIDING                 FINANCIAL financial functions by an agent for
      FUNCTIONS                              each of a plurality of clients. One
                                             embodiment includes, relating to a
518                                          financial function of each client,
                                             demonstrating that more than one
                                             activity of the agent and of one or
                                             more subagents can be transparent
                                             to the client, receiving financial
      Integrated life planning method and A method for facilitating final estate
      systems       and     products     for planning comprises gathering data in
      implementation                         response to a series of questions
                                             organized into four points of estate
519                                          planning, which are (1) client assets,
                                             (2) client fiscal and human/pet care
                                             responsibilities       (i.e.     creditors,
                                             children, spouse, employers and
                                             others that are dependent upon the
      Health plan management method Techniques and apparatus for
      and apparatus                          managing        contributions     to    an
                                             accruable health spending account in
                                             an employer-sponsored plan offering
520                                          a member an employer-funded
                                             defined contribution, at least one
                                             insurance premium option and the
                                             ability to specify an allocation of the
                                             defined contribution for payment of
      Credentialer/medical      malpractice An inventive process is disclosed for
      insurance collaboration                linking credentialing information with
                                             a medical malpractice insurance
                                             application.      The        credentialing
521                                          information        is        automatically
                                             transferred from the credentialing
                                             questionnaire to an insurance
                                             application, and this credentialing
                                             information is then used to generate
      Method for the cost-effective delivery A method and a health care system
      of medical services pursuant to a utilizing the method for providing
      procedure-based manual                 treatment to a patient including
                                             healthcare services which includes
522                                          obtaining and recording data from the
                                             patient relating to background data,
                                             such as demographics, insurance
                                             information and medical history;
                                             staging and diagnosing the patient's
      ELECTRONIC         CONTRACTING PROBLEM TO BE SOLVED: To
      METHOD FOR ARTICLE insurance solve the problem that there is no
                                          method for easily applying for an
                                          insurance policy even when an owner
523                                       of a computer wishes to take out an
                                          article insurance policy for a
                                          hardware of a computer system.
                                          SOLUTION: By initially storing in a
                                          storage medium at a maker
      Methods and systems for providing Disclosed are methods and systems
      an employee medical expense whereby an employer provides health
      spending account with employer cost insurance benefits to employees by a
      reimbursement                       combination of (1) a high deductible
524                                       insurance policy and (2) an employer-
                                          funded medical expense spending
                                          account (MESA) for each employee.
                                          The MESAs cover some health care
                                          expenses below the insurance policy
      BUSINESS      TRACKING        AND An Internet based system and a
      COMMUNICATION SYSTEM                method of managing workflow
                                          involved in the underwriting of
                                          insurance applications by an Internet
525                                       based management system website
                                          contactable by a user system, the
                                          server including a web browser to
                                          access information on the server, the
                                          server's central processor interfacing
      OVERSEAS MEDICAL SERVICE PROBLEM TO BE SOLVED: To
      SYSTEM                              enable an overseas resident officer
                                          and his/her family to take medical
                                          treatment on site on the cashless
526                                       basis and to relieve a burden of
                                          paperworks of a health insurance
                                          association by electronic procedures
                                          using a computer communication
                                          network. SOLUTION: A surrogate
      METHOD AND SYSTEM FOR A method and system for multi-credit
      PROVIDING MULTI-CREDIT CARD card insurance risk management is
      insurance                           provided. The amount of risk an
                                          underwriter undertakes in issuing a
527                                       credit card insurance policy covering
                                          credit cards issued by different
                                          issuers can be determined utilizing
                                          the invention. Additionally, the
                                          invention can be used to determine
      Health    benefit    system    and The present invention provides a
      methodology                         computer-implemented system and
                                          method for providing a post
                                          employment qualified health care
528                                       benefit plan funded during a covered
                                          person's working years to covered
                                          persons under the plan. The method
                                          having the steps of providing a
                                          computer system to manipulate and
      System and method for requesting,       Disclosed is a system and method for
      receiving, tracking and verifying or    an Indemnitee to verify insurance
      receiving    proof   of    insurance    coverage of an Indemnitor, including
      coverage and transferring risk to       the steps of at least two parties
529   uninsured or underinsured parties       entering       into     a      contractual
                                              relationship      that    obligates     the
                                              Indemnitor        to    indemnify       the
                                              Indemnitee           by       maintaining
                                              contractually required insurance and
      Electronic   financial    transaction   A method of managing all personal
      warehouse                               financial accounts is accomplished by
                                              providing an electronically accessible
                                              repository containing financial asset
530                                           and liability account information. The
                                              repository may be electronically
                                              accessed        by     various     access
                                              channels for reviewing the status of
                                              any account in the repository,
      Method for managing medical             A computer-implemented method for
      information and medical information     managing medical information that
      management system                       includes the steps of: providing a
                                              central database of information
531                                           having      disparate       data     fields
                                              containing data, and performing an
                                              action based upon the data in the
                                              disparate data fields. The method
                                              includes of sorting, providing
      Medical   information    management     A medical information management
      system                                  system is provided for managing
                                              medical       information       over      a
                                              communications          network.       The
532                                           system includes a server having a
                                              program, wherein the program has a
                                              plurality of modules including a client
                                              profile module, a scheduling module,
                                              a prescription module, an insurance
      insurance MEDICAL TREATMENT               PROBLEM TO BE SOLVED: To
      SUPPORT SYSTEM AND insurance            accurately and easily confirm the
      MEDICAL TREATMENT SUPPORT               benefit qualification of medical
      METHOD                                  treatment from prescriptions or an
533                                           insurance identification certificate
                                              brought by a patient at an insurance
                                              pharmacy.          SOLUTION:           The
                                              computer of an insurance pharmacy
                                              2 accepts prescriptions (S1), and
      Occupational health data system         A system for employee life cycle
                                              management collects occupational
                                              health data from a plurality of diverse
                                              occupational health data sources 60,
534                                           90 110-160 for a plurality of
                                              employees, stores the collected data
                                              in a central database 100, processes
                                              the data to generate employee life
                                              cycle data, stores the employee life
      Systems and methods for consumers A method of selling a health related
      to purchase health care and related product or service via the Internet
      products                             provides a service provider system
                                           that includes a web server. The
535                                        service      provider    system     has
                                           members that purchase health
                                           related products and services
                                           through the service provider system.
                                           Applicants are enrolled in the service
      Unemployment risk score and private Systems and methods for scoring
      insurance for employees              unemployment risk and predicting
                                           unemployment probability and for
                                           optionally providing unemployment
536                                        insurance      to   employees.      The
                                           unemployment insurance is provided
                                           through a private insurer under which
                                           the unemployment insurance policy
                                           coverage and benefits terms are
      System and data structure for An account management system has
      account management                   been      developed     that    enables
                                           customer or client-related information
                                           to be stored, viewed and manipulated
537                                        in a manner that reflects the
                                           relationship       among       different
                                           customers.          The         account
                                           management system includes an
                                           account data structure that defines
      Method, apparatus and system for A method and system are provided
      providing insurance coverage and for determining whether to issue
      claims payment for single event insurance coverage for one or more
      surgical and diagnostic procedures   specific events, such as a specific
538                                        surgical      event    or    diagnostic
                                           procedure. The method and system
                                           include consideration of a variety of
                                           risk criteria associated with the event
                                           or procedure, as well as policy
      Method of       assisted education A method of planning for an
      planning                             education with the assistance of a
                                           single source includes a user
                                           communicating with the single source
539                                        for planning for multiple financial
                                           needs for an education, determining
                                           various insurance protection plans
                                           which are provided by the single
                                           source, selecting financing options
      Method and apparatus for bundling A method for reducing the lapse rate
      insurance coverages in order to gain of a first insurance policy comprises
      a pricing advantage                  the step of offering to sell a rider to
                                           said first insurance policy, said rider
540                                        comprising benefit features, said
                                           benefit features configured such that
                                           the combination of said rider and said
                                           first insurance policy has a higher
                                           switching cost than the switching cost
      Component based interface to A computer program is provided for
      handle tasks during claim processing developing        component         based
                                           software      capable      of    handling
                                           insurance-related        tasks.        The
541                                        program includes a data component
                                           that     stores,       retrieves       and
                                           manipulates data utilizing a plurality
                                           of functions. Also provided is a client
                                           component that includes an adapter
      System and method for medical A system and related techniques
      privacy management                   provide an integrated platform for
                                           privacy management of electronic
                                           medical records, encompassing the
542                                        entire    life     cycle     of    privacy
                                           management including the capture of
                                           patient consents and other privacy
                                           status        information,        request
                                           management to receive and filter
      Systems and methods for long-term Methods and systems related to long-
      health care with immediate and term health care insurance. Long-
      ongoing health care maintenance term health care insurance policies
      benefits                             are priced by stratifying potential
543                                        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
      System and method for providing A method of providing health care by
      health care                          establishing a predetermined patient
                                           population grouped by geographic
                                           regions where the patient population
544                                        has access to a traveling healthcare
                                           professional that may travel to the
                                           patient's location. The healthcare
                                           professional evaluates and examines
                                           the patient using a plurality of
      Preneed insurance services system The present invention provides a
                                           system, method, and computer-
                                           readable medium for providing
                                           preneed services. The preneed
545                                        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
      Pharmacy benefits calculator         A Pharmacy Benefits Calculator
                                           reads in an insured's prior pharmacy
                                           claims history and then calculates
                                           said insured's anticipated out-of-
546                                        pocket costs for one or more
                                           pharmacy benefits plans that said
                                           insured is eligible to enroll in.
                                           Provision is made for an insured to
                                           modify their anticipated future
      System and method for determining A particular healthcare provider's
      risk management solutions              medico- legal risk relative to other
                                             healthcare providers practicing in the
                                             same field as the particular
547                                          healthcare provider is determined by:
                                             acquiring information about the
                                             particular healthcare provider; and
                                             processing the acquired information
                                             to generate a medico-legal risk score
      Critical illness insurance product and The present systems and methods
      system for administering same          enable an insurance underwriter to
                                             offer group term specified disease
                                             coverage. Such policies can provide
548                                          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;
      Method for determining single figure A method, program and system for
      of merit                               analyzing product price structures are
                                             provided by the present invention.
                                             The invention involves receiving
549                                          product information about a multi-
                                             component product, such as a
                                             service plan, and analyzing individual
                                             price elements within the multi-
                                             component product. These individual
      Method and system for providing A system and method for providing
      insurance                              insurance to an individual who has
                                             deposited a body tissue or organ in a
                                             depository of such organs or tissues,
550                                          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 establishing an insurance
      System and method for employing The present invention relates to a
      targeted messaging in connection method for providing targeted
      with the submitting of an insurance information to an insured patient
      claim                                  and/or to a health care provider
551                                          based on information assembled and
                                             submitted at the time of the insured
                                             patient's visit to a health care
                                             provider. The targeted information is
                                             based on claim data which is inputted
      DATA STRUCTURE FOR insurance PROBLEM TO BE SOLVED: To
      CONTRACT ASSESSMENT DATA, enable even a person, who does not
      AND SYSTEM, METHOD AND medical special knowledge, to easily
      PROGRAM           FOR     ASSESSING and speedily assess an insurance
552   insurance CONTRACT                     contract. SOLUTION: The data
                                             structure for computer- readable
                                             insurance contract assessment data,
                                             is characterized in that a disease
                                             assessment record group is formed
      Method of protecting against a            Disclosed herein is a method of
      change in value of intellectual           providing protection against an
      property, and product providing such      unexpected change in value of an
      protection                                intellectual property asset, which
553                                             includes:<P><P>(a).
                                                obtaining a description of at least one
                                                intellectual property asset of a first
                                                party,<P><P>(b).
                                                determining a value of the at least
      Intellectual property financial markets   A method and system for facilitating
      method and system                         tangible valuation of intellectual
                                                property      assets.     The     method
                                                comprises providing a centralized
554                                             intellectual        property       market
                                                accessible to others in which one or
                                                more financial instruments, each
                                                instrument representing an interest in
                                                at least one intellectual property
      Intellectual                  property    A method for commercialization of
      commercialization method                  intellectual property (IP) comprising
                                                the      steps       of    providing    a
                                                comprehensive, centralized network
555                                             of service provider members, each
                                                member having expertise in at least
                                                one facet of IP commercialization,
                                                offering an interested party access to
                                                the network, such as by computer,
      Systems and methods for insuring          A method is performed by an
      intellectual property    holding          insurance transaction workstation for
      companies                                 structuring an insurance transaction
                                                between an insured entity owning an
556                                             intellectual property holding company
                                                (IPHC) and an insurer. The method
                                                includes receiving an insurance
                                                coverage request for protection
                                                against a loss based on a successful
      METHOD AND APPARATUS FOR                  A financial instrument evaluation
      VOLATILITY     ANALYSIS    OF             system for providing the ability to
      INTEREST     RATE   SENSITIVE             measure the exposure of a financial
      FINANCIAL INSTRUMENTS                     instrument, or portfolio of financial
557                                             instruments, to changes in interest
                                                rate volatility. It is recognized by the
                                                present that the interest rate sensitive
                                                financial     instruments      react   in
                                                valuation to both the level of interest
      System and method for generating          A system and method for providing a
      and executing insurance policies for      gambling loss insurance policy
      gambling losses                           automatically computes insurance
                                                premiums and processes gambling
558                                             sessions covered by the gambling
                                                loss insurance policies. The players
                                                may purchase the insurance policies
                                                using various means such as coins,
                                                earned winnings, or credit cards. The
      Digital electrical computer system for A computer system for supporting a
      determining a premium structure for plan of counterclaim insurance
      insurance coverage including for provided to professionals, optionally
      counterclaim coverage                  along with professional liability
559                                          insurance,        deters        frivolous
                                             professional malpractice claims. The
                                             insurance plan pays expenses, for
                                             example, of counterclaims for
                                             malicious prosecution when a
      WEB-BASED RISK MANAGEMENT A web-based risk management
      SYSTEM                                 system that analyzes a business to
                                             identify potential liabilities, evaluate
                                             their current practices associated
560                                          with the identified risks, recommend
                                             solutions and verify that the solutions
                                             have been implemented.


      Method, apparatus and system for This invention relates to a method for
      pricing and selling family protector pricing and selling Family Protector
      insurance                            insurance       comprising      receiving
                                           information relative to the proposed
561                                        purchase       of   Family      Protector
                                           insurance; determining the price of
                                           the Family Protector insurance;
                                           conveying the price and policy terms
                                           to the party interested in purchasing
      insurance for cessation of legal A method of doing business in
      personal contract                    divorce insurance policies, which
                                           method includes determining a
                                           periodic (e.g., monthly, semi-annually
562                                        or annually) amount to be charged a
                                           prospective participant for divorce
                                           insurance; charging that periodic
                                           amount to a participant in an
                                           insurance program over a period of
      SYSTEM AND METHOD FOR A system for tracking compliance
      MANAGING GLOBAL RISK                 with policies related to management
                                           of risk for a given enterprise provides
                                           risk status feedback on a number of
563                                        users (120) which are able to access
                                           system         (16)       through       a
                                           communication network (122), and
                                           are connected to a communication
                                           server (104), for which connection
      Marriage insurance                   This invention comprises a method of
                                           doing business involving providing
                                           marriage insurance to parties of
                                           divorce (dissolution" in some states)
564                                        to protect them from financial
                                           difficulties as a result of a divorce, by
                                           providing benefits including, cash
                                           payments, and emotional, legal and
                                           financial planning assistance. "
      Patient workflow process                The invention executes a novel
                                              patient workflow process on a tablet
                                              PC streamlines office visits allowing
                                              doctors to see more patients,
565                                           maximize practice revenues and
                                              speed reimbursements, all of which
                                              significantly improves the doctor's
                                              quality of work and quality of life. The
                                              invention maintains and improves
      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
566                                           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 the defendant. Partner protection
      A risk management          system   for A method and system ( 100 ) for
      securities                              identifying, measuring and managing
                                              the risk associated with a portfolio of
                                              securities.
567




      MEDICAL            INFORMATION PROBLEM TO BE SOLVED: To
      STORAGE SYSTEM                    securely storage medical information
                                        for a number of years for uses in
                                        future even when a patient changes
515                                     medical facilities to consult as client.
                                        SOLUTION:        A     life  insurance
                                        company store corneal front shape
                                        data before corneal refraction
                                        correcting operation is carried out at
      Method and apparatus for modeling A method and apparatus for deferred
      and executing deferred award award instrument plan by identifying
      instrument plan                   at least one participant in the
                                        deferred award plan, retrieving
568                                     financial data related to stock options
                                        corresponding to the identified
                                        participant, computing a spread
                                        associated with the retrieved stock
                                        options, establishing a rabbi trust with
      BASIC       PENSION     AMOUNT PROBLEM TO BE SOLVED: To
      GUARANTEE       TYPE    VARIOUS provide a system and a method for
      AMOUNT INDIVIDUAL PENSION designing a 'basic pension amount
      insurance DESIGN SYSTEM           guarantee type various amount
569                                     individual pension insurance' by
                                        which a higher pension can be
                                        expected to be received with higher
                                        probability on condition that at least a
                                        basic pension is secured for an
      DECISION                         SYSTEM PROBLEM TO BE SOLVED: To
      TRANSACTION CONDITION                   provide a transaction condition
                                              decision system capable of quickly
                                              and properly deciding a transaction
570                                           condition by acquiring deposit and
                                              investment trust affiliates as much as
                                              possible under a definite contribution
                                              annuity system. SOLUTION: This
                                              system is provided with an individual
      Savings plan and insurance policy for A savings plan is devised to prepare
      it for after-life private web sites     a fund to operate a private web site
                                              after the host of the web site dies. In
                                              order to lessen the financial burden,
571                                           regular deposits over an extended
                                              period are configured. An insurance
                                              feature could be built in the saving
                                              plan in order to prevent a failure to
                                              establish the target amount of the
      METHOD AND PROGRAM FOR PROBLEM TO BE SOLVED: To
      PLANNING INTEGRATED ASSET provide a method for plamming an
      MANAGEMENT                    INCLUDING integrated       asset     management
      insurance                               including insurance, which can
572                                           calculate     investment     ratios   of
                                              financial articles including risk-free
                                              property, risk property, and life
                                              insurance by the ages of individuals,
                                              and to provide computer program for
      Method and system for providing A method and system for providing
      verifiable line of credit information   line    of    credit   information    to
                                              participating banks that issue debit
                                              cards to owners of life insurance
573                                           policies, wherein the cash surrender
                                              value of the life insurance policy has
                                              been assigned as collateral to secure
                                              the credit line on the individual's
                                              (policy holder's) debit card. The basis
      Personal financial assistant computer A       personal     financial   assistant
      method                                  computer method includes customer
                                              terminals at financial institution
                                              branch offices or other locations.
574                                           Each customer terminal stores
                                              financial information for the particular
                                              financial services (such as insurance,
                                              annuities, bonds, mortgages or
                                              loans) sold at that terminal. A display
      System         for    operation     of aA     Nest-Egg"       mortgage     which
      combination mortgage, equity load combines             the    benefits    of   a
      and savings plan                        conventional home mortgage, a
                                              home equity loan, and an individual
575                                           retirement account ("IRA"), including
                                              a method and computer system for
                                              operating and implementing same. "
      METHODS AND SYSTEMS FOR                 Methods and systems for financing
      FINANCING    AND INVESTING              and investing using Income Growth
      USING     INCOME   GROWTH               Securities, which are financial
      SECURITIES                              instruments having a multi- period
576                                           repayment schedule, in which the
                                              repayement amount increases from
                                              period to period by realized inflation.
                                              An analysis (26-38) shows when a
                                              firm or other entity, having a measure
      Method and system for processing        The method and system for
      federally insured annuity and life      electronically               processing
      insurance investments                   transactional data and monitoring
                                              annuity funds includes identifying and
577                                           storing annuity fund data, customer
                                              data, annuity beneficiary data, and
                                              banking institution data. Banking
                                              institutions which hold non-annuity
                                              funds for a particular annuity
      ANNUITY PROCESSING SYSTEM                 PURPOSE: To offer service at one
                                              place, which has been offered at
                                              separate places to a user, by using a
                                              file being specific to an annuity so as
578                                           to execute additional service at the
                                              time of collecting annuity insurance
                                              fee and paying the annuity by means,
                                              of      a    multi-function    terminal.
                                              CONSTITUTION: The various kinds
      Increasing income trust computer        This invention relates to a data
      transaction system and insured          processing system and computer-
      investment account system               based data processing method for
                                              managing an investment account
579                                           structure. According to some of the
                                              preferred embodiments, the account
                                              structure is made up of one or more
                                              annuity contracts or life insurance
                                              contracts, each of the contracts being
      DATA PROCESSING SYSTEM AND              This invention relates to a data
      METHOD FOR MAINTAINING AN               processing system and computer
      INSURED SAVINGS ACCOUNT                 (102) based data processing method
      STRUCTURE                               for managing an investment account
580                                           structure (111). According to some of
                                              the preferred embodiments, the
                                              account structure (111) is made up of
                                              one or more annuity contracts (110)
                                              or life insurance contracts, each of
      Computer system for automated           A computerized system for initiating,
      comparing of universal life insurance   processing, preparing, storing, and
      policies based on selectable criteria   transmitting illustrations of universal
                                              life insurance. A computer accesses
581                                           a database into which data is written
                                              and from which data is read, the data
                                              including information regarding the
                                              life to be insured, general applicant
                                              information, insurance information
      System for underwriting a combined        Sets of future risk expectation strings
      joint life and long term care insurance   for long term care and for life
      policy which is actuarially responsive    expectancy are categorized into a
      to long term care demands and life        plurality of Joint Equal Age Risk
582   expectancies of         the individual    Classifications, upon which risk
      insureds                                  exposure sequencing and present
                                                risk value analysis are applied to
                                                calculate joint equal age present risk
                                                values that are inputted into a Joint
      Life insurance method, and system         Life insurance methods, systems and
                                                products which revolve around
                                                having an insurance plan with at least
                                                two separate but related insurance
583                                             contracts on the same insured or
                                                insureds.     The      contracts    are
                                                developed using life insurance
                                                product data to develop tables from
                                                which death benefits and premium
      System and method for providing a         A system for providing loans to
      line of credit secured by an              owners of life insurance policies who
      assignment of a life insurance policy     are terminally ill or aged. The system
                                                comprises a statistical module,
584                                             medical module and a financial
                                                module which together operate on a
                                                preselected group of inputs to yield a
                                                line of credit offered to the
                                                policyholder. The system provides a
      Flexible annuity settlement proposal      An investment system includes a
      generating system                         computer-implemented             annuity
                                                system generating annuity proposals
                                                for customers. The annuity system
585                                             includes a memory storing customer
                                                information input from a customer
                                                and annuity information, and a
                                                processor, connected to the memory.
                                                The processor retrieves the customer
      System     for    designing     and       The present invention involves a
      implementing bank owned life              computer software and hardware
      insurance (BOLI) with a reinsurance       system which smoothly integrates the
      option                                    following functions into an integrated
586                                             computer-      based      system      for
                                                designing and administering a BOLI
                                                plan for national banks under current
                                                federal and state guidelines and
                                                financial market constraints. The
      Reverse      mortgage      processing     A data processing system for
      system                                    selectively        determining        an
                                                appropriate     balance      of   credit
                                                parameters associated with the
587                                             issuance of Reverse Equity Mortgage
                                                financing. The system manages the
                                                risk associated with the credit by
                                                structuring a concurrent single
                                                premium deferred annuity to provide
      Computerized         indenture     plan A computerized indenture plan
      allocation                determination allocation                determination,
      management and reporting system         management and reporting system
                                              and method is disclosed. The system
588                                           determines allocations relating to an
                                              indenture plan, manages indenture
                                              plan assets and reports allocation
                                              information to an administration
                                              system. The system includes a
      System and method for insurance gift Upon the death of an insured, a
      payments                                system releases gift payments to
                                              designated          beneficiaries     on
                                              designated dates over a period of
589                                           years (e. g. ten years. ) As part of the
                                              policy, the insured may select a
                                              message to be sent to the
                                              beneficiaries with the gift payments.
                                              In a preferred embodiment, the user
      System and method for implementing The invention relates to a system for
      and administering lender- owned analyzing and managing at least one
      credit life insurance policies          lender owned life insurance policy on
                                              behalf of a lender to improve loan
590                                           profitability,    achieve     investment
                                              results from the COLI, and to prevent
                                              investment loss as a result of
                                              adverse tax law changes. The
                                              system tracks mortgage balances,
      System and method for premium A system and process linking an
      optimization and loan monitoring        external computer with an illustration
                                              system of an insurance carrier and a
                                              system of an independent lending
591                                           institution, via modem, to determine
                                              the optimal premium structure for a
                                              contemplated variable life insurance
                                              product using a portion of the policy
                                              owner's money and a lending
      Method for combining loan with key A leveraged whole or universal life
      employee life insurance                 insurance plan is administered using
                                              a computer processing method to
                                              ensure lender security, accumulation
592                                           of value to an employee, and
                                              minimum         tax    exposure.     The
                                              employer borrows in installments to
                                              partly cover insurance premiums on
                                              a policy owned by the employee, and
      Automated system for managing a An automated system for managing
      non-qualified deferred compensation the assets and liabilities of Non-
      plan                                    Qualified Deferred Compensation
                                              (NQDC) plans. This system uses
593                                           information from money managers,
                                              insurance and annuity carriers, plan
                                              sponsors and plan participants to
                                              track and report the assets and
                                              liabilities of NQDC plans on a daily
      Computerized system and method A computer implemented tool used
      used in financial planning              primarily in [retirement planning]
                                              financial planning which produces
                                              estimated values of needed savings
594                                           levels and further income based on
                                              certain economic assumptions and
                                              data regarding an individual subject's
                                              current financial status. [Although
                                              intended for use in retirement
      Annuity value software                  A computer-implemented system for
                                              determining deferred and immediate
                                              annuity contract living contingent and
                                              supporting component funding and
595                                           related data representing tangible
                                              annuity contract values across the life
                                              period of a potential or existing
                                              annuity contract. The system is
                                              comprised of at least a terminal, data
      System     for managing hedged A system for analyzing and managing
      investments      for   life  insurance a plurality of specified life insurance
      companies                               policies and annuity contracts on
                                              behalf of an insurance carrier. The
596                                           life insurance policies or annuity
                                              contracts depend on stock market
                                              performance in that the account
                                              value increase is determined as a
                                              percentage of the performance of a
      Dynamic policy illustration system      A dynamic, user friendly insurance
                                              policy    illustration    system    for
                                              computing and graphically displaying
                                              the future values of a model life
597                                           insurance policy. Key variables are
                                              entered and a graphic display of
                                              future values is instantly displayed.
                                              Variable keys can be selected to
                                              recalculate or solve for a certain
      System       for     performing     tax A computer implemented application
      computations                            architecture and software component
                                              for providing tax computations for the
                                              administration of insurance and
598                                           annuity products in a reusable
                                              software component. A Tax Server is
                                              implemented using object-oriented
                                              programming techniques and is
                                              controlled by a computer processor.
      Method and system for consolidating A method and system are provided
      and distributing information            for consolidating and distributing
                                              information.      Implementation     of
                                              system functionalities for both
599                                           restricted local and unrestricted
                                              system-wide uses are permitted.
                                              Open standards for hardware,
                                              software and firmware components
                                              and standardized medical codes,
      SYSTEM FOR AUTOMATICALLY PROBLEM TO BE SOLVED: To
      DESIGNING OPTIMUM insurance provide an inheritance fund planning
      BASED ON INHERITANCE FUND system enabling an inherior to
      PLAN                                   directly inherit inheritances to be
600                                          estimated in the future without
                                             disposing inheritor's own campany's
                                             stocks, real estate, etc., which are
                                             not suitable for divided inheritance.
                                             SOLUTION: The system is provided
      Process for evaluating the financial Disclosed           is     a       computer-
      consequences of converting a implemented process for evaluating
      standard form I.R.A. to the Roth form the financial consequences of
      I.R.A.                                 converting a standard format IRA to a
601                                          new Roth form IRA. The process
                                             includes computing and disclosing
                                             the substantial federal income tax
                                             consequences involved in converting
                                             the standard form IRA to the Roth
      PUBLIC PENSION ESTIMATING PROBLEM TO BE SOLVED: To
      DEVICE                                 provide a system for obtaining the
                                             transition of shortage in each year
                                             when public pension is paid, and the
602                                          proposition        of    insurance      for
                                             complementing           the       shortage.
                                             SOLUTION: This device is provided
                                             with a category of business pay
                                             statistical file 9a for storing the wage
      METHOD         FOR      EFFICIENTLY PROBLEM TO BE SOLVED: To
      PLANNING         DEATH      insurance, efficiently plan death indemnification
      EFFICIENTLY                PLANNING or endowment indemnification by
      INDIVIDUAL         ANNUITY        AND performing arithmetic processing for
603   EFFICIENTLY                       AND minimizing a target function while
      SIMULTANEOUSLY             PLANNING satisfying a specified limitation
      DEATH insurance AND INDIVIDUAL conditional expression. SOLUTION:
      ANNUITY                                A computer planning system is
                                             provided with a household file 1,
      Computer-implemented program for The present financial planning and
      financial planning and advice system advice system allows an advisor to
                                             provide proactive, efficient service to
                                             clients. An advisor can analyze a
604                                          client's relationship(s) with his/her
                                             family, business and pension to
                                             provide overall financial planning and
                                             security. The financial planning and
                                             advice system includes numerous
      Computer system and methods for A computer system and methods for
      management,       and     control   of management and control of annuities
      annuities and distribution of annuity and distribution of annuity payments
      payments                               is presented which enables transfer
605                                          of funds between annuities, whether
                                             variable or fixed, without incurring
                                             payment           discontinuity,      while
                                             providing for allocation of interest
                                             risk, investment risk, and mortality
      SYSTEM,    METHOD      AND                The present invention provides a
      APPARATUS FOR PROVIDING AN                system, method and apparatus for
      EXECUTIVE    COMPENSATION                 providing an executive compensation
      SYSTEM                                    system having a first entity, a money
606                                             lender, and an insurer. The first entity
                                                receives a taxable sum of money
                                                from a second entity, which owes the
                                                taxable sum of money to a person.
                                                The first entity provides one or more
      Beneficial settlement method and          This invention pertains to a method
      storage media                             of calculating payout ratios in a
                                                financial transaction in which a
                                                chronically ill individual sells a portion
607                                             of his life insurance proceeds in
                                                exchange for an investor paying the
                                                premiums.            The         preferred
                                                implementations of the method
                                                involve a programmed computer or a
      Economic security planning method         An economic security and financial
      and system                                planning method and system are
                                                disclosed. Their purpose is to
                                                calculate a household's highest
608                                             sustainable living standard and
                                                determine the amount of saving and
                                                life insurance needed to finance and
                                                guarantee that living standard and
                                                subject to a) the household's
      METHOD AND SYSTEM FOR                     A system and method for a
      CONVERTING A DESIGNATED                   beneficiary      of    Social     Security
      PORTION OF FUTURE SOCIAL                  payments        or    other    retirement
      SECURITY    AND    OTHER                  payments to access present value of
609   RETIREMENT  PAYMENTS  TO                  future benefits to meet current
      CURRENT BENEFITS                          financial and other objectives is
                                                provided. A financial institution is
                                                designated to be a direct depository
                                                and a disbursement agent for
      Process and apparatus         for   the   A process and apparatus for
      derivation of annuity rates               determining premium tables to
                                                produce annuity rates, where the
                                                annuity rates reflect client data
610                                             pertaining to age, sex, medical
                                                conditions and high risk behavior.
                                                The annuity rate reflects potential
                                                medical and social advancement,
                                                prudence, interest, expenses, and
      SYSTEM AND METHOD FOR                        PROBLEM TO BE SOLVED: To
      INSTRUCTING      REAL-TIME                provide a real-time remittance
      REMITTANCE, AND RECORDING                 instructing system which can easily
      MEDIUM WHERE PROCESS FOR                  be     actualized.     SOLUTION:         A
611   SAME IS RECORDED                          remittance instructing computer 14 is
                                                provided which instructs remittance
                                                to a computer 16 of a bank in real
                                                time separately from a host computer
                                                12 of a life insurance company.
      Method of providing means to pay for A method and system for financing
      total future educational expenses to expected            future       educational
      attend an institution of higher learning expenses. The method includes the
                                               basic steps of determining current
612                                            educational expenses, reviewing past
                                               changes in educational expenses,
                                               calculating      future      educational
                                               expenses       based      on     current
                                               educational expenses, past changes
      Communication          method       and The invention provides a system
      apparatus                                comprising apparatus and method for
                                               generating                   customized
                                               communications to a multitude of
613                                            clients and responding to specific
                                               response options selected by each of
                                               the multitude of clients, so that an
                                               ongoing conversation" is set up
                                               between each client and the user that
      Method and apparatus for providing Computerized                methods        for
      retirement income benefits               administering variable annuity plans
                                               are      disclosed.       In     certain
                                               embodiments, minimum payment
614                                            features     and     mechanisms      for
                                               adjusting current payments in
                                               response to cumulative payment
                                               totals     are      provided.     Other
                                               embodiments provide withdrawal
      MANAGEMENT              TABLE        OF PROBLEM TO BE SOLVED: To
      insurance                                provide a management table for an
                                               insurance capable of accurately,
                                               clearly and easily understanding
615                                            contracted contents of a life
                                               insurance and easily understanding
                                               accounting contents of a paid-up
                                               insurance expense. SOLUTION: The
                                               management table of an insurance
      CONTRACT                INFORMATION PROBLEM TO BE SOLVED: To
      MANAGEMENT SYSTEM                        provide a contract information
                                               management system capable of
                                               reducing the load of the whole
616                                            contract processing by managing
                                               contract information concerned with a
                                               contract commodity such as life
                                               insurance and insurance against loss
                                               by using status information.
      CONTRACT                 SUPPORTING PROBLEM TO BE SOLVED: To
      SYSTEM          AND        CONTRACT solve the problem that the amount of
      APPLICATION TERMINAL AND paper used from contract estimation
      CONTRACT RECEPTION SERVER to contract establishment is huge in
617   USED IN THE SAME                         the conventional insurance job of life
                                               insurance or the like. SOLUTION: In
                                               this contract supporting system,
                                               contract information is prepared by
                                               electronic information by using a
      Establishing and managing grantor An estate planning method for
      retained annuity trusts funded by minimizing transfer tax liability with
      nonqualified stock options          respect to the transfer of the value of
                                          stock options from a holder of stock
618                                       options to a family member of the
                                          holder. The method comprises
                                          establishing a Grantor Retained
                                          Annuity Trust (GRAT) funded with
                                          nonqualified stock options. The
      MEDICAL BILL PAYING SYSTEM          PROBLEM TO BE SOLVED: To
                                          reduce load on a family and to
                                          conduct sufficient medial treatment
                                          during one's life time. SOLUTION:
619                                       When an operation is performed on
                                          the insured person of life insurance
                                          or the insured is non-adaptable to the
                                          operation, the effect is reported to a
                                          life insurance computer 11 and a
      DEVICE AND METHOD FOR PROBLEM TO BE SOLVED: To
      SIMULATING LIFE insurance AND provide a life insurance simulation
      RECORDING MEDIUM                    device which is useful to saving time
                                          for a contractor of life insurance and
620                                       also can attain a consulting function.
                                          SOLUTION: This simulation device is
                                          provided with a basic data input
                                          means which receives the basic data
                                          inputted by triers, a prepared fund
      SERVER DEVICE, METHOD AND PROBLEM TO BE SOLVED: To
      SYSTEM        FOR      CONSULTING provide a system where the custom-
      SERVICE         FOR       FINANCIAL made life insurance can be directly
      PRODUCT          AND       TERMINAL consulted at an optional time and in a
621   DEVICE FOR THE SYSTEM               simple way without meeting directly a
                                          businessman/businesswoman.
                                          SOLUTION: 1st information on
                                          design of prescribed insurance is
                                          inputted via a 1st terminal device
      insurance SERVICE PROCESSING PROBLEM TO BE SOLVED: To
      SYSTEM                              provide a system which can improve
                                          the efficiency of service for damage
                                          insurance and life insurance and
622                                       greatly improve customer services.
                                          SOLUTION: This insurance service
                                          processing system has a total data
                                          storage means which stores total
                                          data including e-mail addresses of
      SYSTEM          FOR,        CHARGE PROBLEM TO BE SOLVED: To
      CALCULATION                BETWEEN provide a system which can makes
      SYSTEMS                             discounts for articles and services of
                                          different organizations without limiting
623                                       articles to be discounted to the same
                                          company. SOLUTION: A customer
                                          management system of a life
                                          insurance company and an insurance
                                          calculation system of a damage
      CONTRACT              CONVERSION PROBLEM TO BE SOLVED: To
      PROCESSING SYSTEM FOR LIFE provide a contract conversion
      insurance CONTRACT                     processing system by which a
                                             customer does not have to pay the
624                                          initial insurance fee in cash and an
                                             insurance company does not have to
                                             collect money nor receive money in
                                             the case of converting a life
                                             insurance contract. SOLUTION: This
      insurance POLICY/ARTICLES OF PROBLEM TO BE SOLVED: To
      insurance      UNDER         insurance provide an easily comprehensible
      CONTRACT                               insurance policy and a likewise easily
                                             comprehensible articles of insurance
625                                          which       enable     an     insurance
                                             contracting party of an applicable
                                             insurance contract to comprehend
                                             the details of coverage at glance, in
                                             various kinds of insurance such as a
      System for monitoring increasing The present invention relates to an
      income financial products              increasing income financial product.
                                             According to one embodiment of the
                                             invention, each subscriber invests in
626                                          a financial contractual product or
                                             program. Each subscriber designates
                                             primary and secondary beneficiaries.
                                             The subscriber has various payment
                                             plan options to fund the financial
      METHOD AND DEVICE FOR PROBLEM TO BE SOLVED: To
      insurance RATE CALCULATION provide a method and a device for
      AND RECORDING MEDIUM                   insurance rate calculation and a
                                             recording medium which can lower
627                                          the insurance rates of various
                                             insurances such as a property
                                             insurance and a life insurance.
                                             SOLUTION: The insurance rate of an
                                             insurance is calculated at its contract
      System for and method of variable A system for and method of variable
      annuity contract administration        annuity contract administration is
                                             provided. Each variable annuity
                                             contract includes a bonus investment
628                                          credit percentage, withdrawal charge
                                             percentages less than or equal to the
                                             bonus investment credit percentage
                                             in all contract years, and level asset-
                                             based compensation to distributors.
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      PROCESSING LIFE insurance              provide a processing system and a
                                             processing method for life insurance
                                             which make procedures regarding
629                                          the reception of insurance money
                                             extremely simple and secure.
                                             SOLUTION: An insurant 2 previously
                                             makes a customer contract with an
                                             agent company 4. The agent
      METHOD AND SYSTEM FOR PROBLEM TO BE SOLVED: To
      MEDIATING IN SALE OF insurance present the best combinations of
      ARTICLE     AND    COMPUTER- different kinds of insurance matching
      READABLE RECORDING MEDIUM the life stage of a customer through a
630                                  network. SOLUTION: The customer
                                     1 sends the current insurance
                                     contract information and customer's
                                     needs for desired services, desired
                                     guarantee contents, bearable
      insurance           CONTRACT PROBLEM TO BE SOLVED: To
      INFORMATION      MANAGEMENT provide a managing means for life
      SYSTEM AND CUSTOMER INDEX insurance contract information which
      GENERATING METHOD              unitarily manages customer and
631                                  contract information while improving
                                     the specification precision of a
                                     customer.      SOLUTION:           This
                                     insurance     contract    information
                                     management system comprises an
      SUPPORT SERVICE SYSTEM FOR PROBLEM TO BE SOLVED: To
      RISK MANAGEMENT                provide a system for performing a
                                     support for protecting lives or the
                                     possessions of persons, when
632                                  meeting with various troubles or
                                     accidents in daily life activities and
                                     providing a safe living environment
                                     from     the   viewpoint     of     risk
                                     management. SOLUTION: This
      SYSTEM AND METHOD FOR None
      DIVIDING A REMITTANCE AND
      DISTRIBUTING A PORTION OF
      THE     FUNDS   TO   MULTIPLE
633   INVESTMENT PRODUCTS




      INFORMATION                 PROBLEM TO BE SOLVED: To
                             PROVIDING
      SYSTEM                    provide the current value information
                                of life insurance before and after
                                conversion and advice so that a
634                             covenanter       considering       the
                                conversion of a life insurance
                                contract can decide whether to
                                convert the life insurance contract.
                                SOLUTION: The covenanter inputs
      METHOD FOR PAYING COST FOR PROBLEM TO BE SOLVED: To
      FUNCTION                  make burden of expenses of a cost
                                for function hard to be felt by a user
                                by covering burden charges such as
635                             consumer goods charges and
                                monthly     analysis   charges      for
                                maintaining      performance         of
                                equipment by premiums of a life
                                insurance. SOLUTION: This method
      ON-LINE    SYSTEM     FOR None
      MEMORIAL, LEGACY, FUNERAL
      AND          REMEMBRANCE
      ARRANGEMENT, SERVICES AND
636   TRANSACTIONS




      Method of evaluating a permanent A method of evaluating a permanent
      life insurance policy            life insurance policy including the
                                       steps of establishing a benchmark
                                       cost of insurance value, obtaining a
637                                    policy illustration, resolving an
                                       illustrated cost of insurance value
                                       from the policy illustration, and
                                       comparing the benchmark cost of
                                       insurance value with the illustrated
      DEFINED-CONTRIBUTION                PROBLEM TO BE SOLVED: To
      PENSION SCHEME APPLICATION provide information for enabling a
      SUPPORT SYSTEM                   policyholder to enter a defined-
                                       contribution pension scheme system
638                                    with precise commodity share and to
                                       enable a manager of an operating
                                       institution to obtain information for
                                       sufficiently      managing           the
                                       policyholder. SOLUTION: This
      LIFE      insurance   WITH HOME None
      HEALTH CARE


639




      Method and system for the life A method for the life insurance
      insurance industry              industry in which an insurance policy
                                      request initiator initiates the creation
                                      of an Insurability Documentation File
640                                   that contains the information needed
                                      by underwriters or insurers to
                                      evaluate the insurability rating of the
                                      prospective insured party. The
                                      Insurability Documentation File is
      COMBINED               CONTRACT PROBLEM TO BE SOLVED: To
      CHANGING          SYSTEM    AND provide      a    combined      contract
      METHOD                          changing system capable of quickly
                                      and      suitably    presenting    the,,
641                                   conservation contact even if plural
                                      changes in contents of the contract of
                                      a life insurance are requested at one
                                      time. SOLUTION: The contents of
                                      plural contracts are input according to
      AGENT PARTICIPATING TYPE                   PROBLEM TO BE SOLVED: To
      MAIL-ORDER SYSTEM, AGENT                 solve problems of being very difficult
      PARTICIPATING   TYPE    MAIL-            to attain coexistence of a selling form
      ORDER RECRUITING METHOD,                 by a mail-order sale and an agent
642   PROSPECTIVE        CUSTOMER              selling method in a commodity selling
      CONTROL         DISTRIBUTING             form, wherein it is unable to fairly and
      METHOD    AND   PROSPECTIVE              equally distribute the prospective
      CUSTOMER            CONTROL              customers when distributing the
      DISTRIBUTING SYSTEM                      prospective customers expressing
      SYSTEM     FOR    EXECUTING                PROBLEM TO BE SOLVED: To
      INQUIRY   AND   TRANSACTION              make transaction through plural
      THROUGH PLURAL FINANCIAL                 financial agencies easily realized for
      AGENCIES                                 a customer. SOLUTION: A computer
643                                            12 in a life insurance and a computer
                                               14 in a bank are provided. An
                                               individual information transmitted
                                               from the computer 12 in the life
                                               insurance and the computer 14 in the
      Method and system for providing          A data processing method for
      account values in an annuity with life   administering an annuity product
      contingencies                            having a guarantee of lifetime
                                               payments. The method includes
644                                            establishing a charge for the
                                               guarantee of lifetime payments,
                                               determining an initial benefit payment
                                               and paying the initial payment to a
                                               beneficiary, determining a
      SECURITY       MANAGEMENT                  PROBLEM TO BE SOLVED: To
      SYSTEM, INTEGRATED SYSTEM                effectively utilize human and system
      AND SECURITY MANAGEMENT                  resources provided in an external
      METHOD                                   organ,      to     distribute     security
645                                            management business performed by
                                               the organ, to increase business
                                               processing capacity and to reduce
                                               human       and      system     burdens.
                                               SOLUTION: This security
      CONTRACT       FORM      FOR     LIFE      PROBLEM TO BE SOLVED: To
      insurance                                provide a contract form of life
                                               insurance by which employees and
                                               executives can receive money to live
646                                            on after retirement and condolence
                                               money, etc., without being affected
                                               by the operation conditions of a
                                               corporation in the case that the
                                               corporation joins life- and-death
      MULTIPLE DWELLING SYSTEM                   PROBLEM TO BE SOLVED: To
      FOR PERSON IN NEED OF                    provide a comprehensive system and
      NURSING     CARE      AND                a management system to permit an
      MANAGEMENT SYSTEM THEREOF                independent       life    nursing    care
647                                            existence for persons in need of
                                               nursing care without burden to their
                                               families. SOLUTION: Corresponding
                                               to a stay-at-home comprehensive
                                               medical consultation system, clinics
      LIFE insurance DESIGN SYSTEM            PROBLEM TO BE SOLVED: To
                                            provide a life insurance design
                                            system for easily designing life
                                            insurance following the diversified
648                                         requests of consumers. SOLUTION:
                                            The system is provided with a data
                                            processing part 2 designing life
                                            insurance based on a line plan, or
                                            age/gender and a budget, a
      insurance system and method with      An insurance method and system
      disproportional allocation            concerning two or more separate but
                                            related insurance contracts where
                                            one of the contracts is a life policy
649                                         and the other contract is a long-term
                                            care product are disclosed. The life
                                            insurance product includes all types
                                            of life insurance contracts on the
                                            market today (and those developed
      System and method for administering   A system for administering a financial
      a financial program involving the     program involves the collection of
      collection of payments                payments. The system includes a
                                            debit system for coordinating the
650                                         administration     of     the    financial
                                            program, which, in turn, includes
                                            interface logic for allowing a user to
                                            interact with the debit system, and
                                            batch processing logic for performing
      System and method for simultaneous    The invention provides a system and
      multiple death life insurance         method for multiple death life
                                            insurance       in    the     event      of
                                            simultaneous or coincident death of
651                                         two or more insured parties, or a
                                            defined group of two or more insured
                                            parties.         More         particularly,
                                            embodiments of the invention provide
                                            a computer system and method for
      System and method for providing       The invention provides a system and
      additional insurance                  method for providing additional
                                            insurance to a fully-qualified insured
                                            party to increase a total benefit
652                                         amount       of     insurance.       More
                                            particularly, the invention provides a
                                            computer system and method for
                                            providing additional life insurance to
                                            increase a total benefit of life
      Financial planning   method    and    A computer system, program, and
      computer system                       method      for    assisting     financial
                                            professionals        in      determining
                                            appropriate financial products for
653                                         clients. The system and method
                                            present a first set of questions to a
                                            client and receives a first set of
                                            answers, then the system presents
                                            subsequent sets of questions to the
      insurance BUSINESS SUPPORTING PROBLEM TO BE SOLVED: To
      SYSTEM, insurance BUSINESS make the staff of a licensed tax
      SUPPORTING      METHOD,      AND accountant/accounting firm learn a
      RECORDING MEDIUM                  method/knowledge about insurance
654                                     guidance, and to enable the staff of
                                        the              licensed           tax
                                        accountant/accounting         firm   to
                                        smoothly carry out a promotion
                                        activity about life insurance.
      MASTER TRUST SYSTEM USING PROBLEM TO BE SOLVED: To
      INFORMATION SYSTEM                provide a master trust system using
                                        an information system in which the
                                        portfolio data of a pension fund or the
655                                     like is analyzed and evaluated by
                                        combining a plurality of operation
                                        units in arbitrary constitution when
                                        performing the portfolio data analysis
                                        or an information providing job, and
      Method, apparatus and product for This invention is related to a
      automatically    calculating    a methods, an apparatus and a product
      compensated annuitant mortality for automatically calculating a
      table                             compensated annuitant mortality
656                                     table. The product and apparatus
                                        described utilises a method of
                                        automatically         calculating     a
                                        compensated annuitant mortality
                                        table, said method comprising the
      FINANCIAL               PRODUCT None
      ADMINISTRATION SYSTEM AND
      METHODS

657




      NURSING-CARE     SYSTEM AND PROBLEM TO BE SOLVED: To
      ACHIEVEMENT       MANAGEMENT select and alter nursing-care service
      METHOD FOR       NURSING-CARE optimal to a person in need of care
      SERVICE                             by simple procedural steps, and to
658                                       simplify achievement management of
                                          nursing-care service that is actually
                                          offered and the procedure of charge
                                          settlement.     SOLUTION:       This
                                          invented nursing- care system
      System and method of administering, A     system    and     method    of
      tracking and managing of claims administering, tracking and managing
      processing                          of claims processing.

659
      SYSTEM AND METHOD FOR                    A method for providing a person with
      PROVIDING          SECURE               a secured retirement program
      RETIREMENT BENEFITS VIA A               employs a computerized system
      CONVERSION PROCESS                      (100) to allocate assets (132a-132c)
660                                           owned by a person towards purchase
                                              of retirement benefits. The system
                                              selects at least one desired
                                              retirement benefit (140) from a group
                                              of available retirement benefits. A
      LIFE insurance CAPABLE OF                 PROBLEM TO BE SOLVED: To
      SELECTING DIVIDEND REBATE AS            allow an insurance contractor to
      REWARD                                  select    whether      the   contractor
                                              receives the dividend rebate of a life
661                                           insurance as the dividend rebate as a
                                              conventional manner or deposits a
                                              part or the whole part of the dividend
                                              rebate as the original fund of a
                                              reward. SOLUTION: In this life
      Maximization of a hedged investment     An index-linked insurance product
      budget for an index-linked insurance    having an annual guarantee is
      product                                 implemented having a maximized
                                              hedged investment budget. A net
662                                           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
      Investment style life insurance         A method enables a consumer to
      product that allows consumer to         purchase an investment style life
      control and replace individual policy   insurance policy, in which the
      components                              individual components can be
663                                           controlled and/or replaced by the
                                              consumer.       A     consumer      first
                                              purchases a term life insurance
                                              policy. This term life insurance policy
                                              can be purchased from any source,
      Survivor's benefit plan                 A method for providing deferred
                                              compensation to an employee's
                                              beneficiary is disclosed, whereby the
                                              benefit takes the form of insurance
664                                           policy proceeds payable to an
                                              employee's beneficiary, and wherein
                                              the deferred compensation is paid to
                                              the beneficiary in an income and
                                              estate tax free manner.
      System, apparatus, and method for       Free     design     service    system,
      providing insurance design service      apparatus, and method of life
                                              insurance enabling salespersons and
                                              customers to design life insurance
665                                           that     meets       one's     specific
                                              requirements easily from terminal
                                              equipment. This system allows
                                              anyone to access via network a life
                                              insurance design home page on a
      Foundation funds generation system A method and system is provided for
      and method                              generating funds for a foundation
                                              mission statement, such as a
                                              charitable     or     not-for-    profit
666                                           organization or corporation. A set of
                                              variable single premium universal life
                                              insurance policies are obtained from
                                              an insurer on a block of individuals. A
                                              lender loans the funds needed to pay
      PERSONAL PENSION RESERVING PROBLEM TO BE SOLVED: To
      SYSTEM LINKED WITH CARD secure rich life in one's old age by
      SETTLEMENT AND ITS PROGRAM using a privilege given by card
                                              settlement to pension and insurance.
667                                           SOLUTION: A processing means
                                              101 receives contractor identification
                                              information, reads the use charge of
                                              a settlement card and an amount to
                                              be returned to personal pension
      Method and system for portable A process and a system for providing
      retirement investment                   a user with a plurality of periodic
                                              retirement income payments is
                                              disclosed. The process comprises
668                                           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
      Method and system for evaluation of Embodiments of the invention include
      potential funding sources for financial a system and method for comparing
      plans                                   financial products as funding sources
                                              for a financial plan, such as a non-
669                                           qualified supplemental benefit plan or
                                              an individual financial plan. Such
                                              embodiments include selecting two
                                              or more financial products for
                                              comparison of a set of attributes,
      Method and system for tracking, A method for determining a life
      reconciling and administering fees insurance policy value by tracking
      and costs in investment-based and reconciling a policy's value in
      variable life insurance value           units that have a normalized value is
670                                           disclosed. In accordance with the
                                              principles of the invention, a
                                              normalize unit value is determined at
                                              the conclusion of each of a
                                              predetermined period from a
      Method and system for affluent A              method      and    system     for
      retiree advance                         beneficiaries of benefits not directly
                                              assignable, such as Social Security
                                              benefits, to receive lump sum
671                                           payments, such as loans or
                                              advances for these benefits. An
                                              analysis is made as to a lump sum
                                              amount payable to the participant
                                              beneficiary, based on such factors as
      LIVING INFORMATION PROVIDING PROBLEM TO BE SOLVED: To
      SYSTEM            AND           LIVING construct such a living information
      INFORMATION                PROVIDING providing          system     that     can
      METHOD                                  appropriately        provide      living
672                                           information necessary for a customer
                                              based on information acquired from
                                              the customer when making a contract
                                              or changing maintenance or the like.
                                              SOLUTION: A life insurance
      Method and system for coverting an A method and system for converting
      annuity fund to a life insurance policy an annuity fund to a life insurance
                                              policy at a predetermined conversion
                                              date comprising the following steps:
673                                           establishing an annuity fund including
                                              selecting an initial predetermined
                                              value and purchasing an annuity for
                                              the initial predetermined value,
                                              establishing an irrevocable life
      LIFE insurance PREMIUM DATA PROBLEM TO BE SOLVED: To
      PROCESSOR AND FINANCIAL provide a premium data processing
      PRODUCT         PAYMENT          DATA device and method adaptable to free
      PROCESSOR                               insurance planning. SOLUTION: A
674                                           provisional premium is set by the
                                              natural      premium      method      to
                                              correspond to a premium at each
                                              payment set by insurance planning,
                                              since it is based on the security
      LIFE insurance DATA PROCESSING PROBLEM TO BE SOLVED: To
      SYSTEM AND LIFE insurance PLAN provide a data processing system
      DATA PROCESSOR                          adaptable to free insurance planes.
                                              SOLUTION: A plan data processor
675                                           sets an insured amount to vary
                                              during a payment period according to
                                              a customer's requirement. Further,
                                              an accepted premium at each
                                              payment is calculated as a value
      SYSTEM, METHOD, PROGRAM, PROBLEM TO BE SOLVED: To
      AND RECORDING MEDIUM FOR enable the quick establishment of a
      INSTALLING CLIENT TERMINAL non-life insurance company agent
      NETWORK                                 system or the like and to process a
676                                           large number of applications correctly
                                              by shortening a period from the time
                                              an application is received to the time
                                              the system becomes available for
                                              use. SOLUTION: An installation
      RECONSTRUCTION               EXPENSE PROBLEM TO BE SOLVED: To
      MANAGEMENT APPARATUS                    provide a reconstruction expense
                                              management apparatus capable of
                                              extremely smoothly performing a
677                                           business for reconstruction and a
                                              related business. SOLUTION: Input
                                              of pieces of expense data 11 as an
                                              amount to be prepared for a
                                              reconstruction work of a building and
      AUTHENTICATION METHOD AND PROBLEM TO BE SOLVED: To
      SYSTEM                            allow a life insurance transaction by
                                        performing an authentication by use
                                        of the account number and personal
678                                     identification number of a bank.
                                        SOLUTION: The account number of
                                        the bank is stored in a bank
                                        authentication customer number
                                        retrieval database 2 in conformation
      Systems and methods for wealth Systems and methods are provided
      management                        for     engineering,     manufacturing,
                                        procuring and managing a financial
                                        product which combines a finance
679                                     agreement, a life insurance policy,
                                        and a securitization mechanism used
                                        to create fixed income securities. The
                                        present      invention     includes   a
                                        computer readable medium having
      System and method for designing a A method of administering a life
      life insurance program for an insurance           program        for   an
      organization                      organization     is    provided.    The
                                        administering entity obtains a list of
680                                     donors who have consented to
                                        participation in the life insurance
                                        program and then constructs a
                                        participant pool of donors who will
                                        actually participate in the program.
      Reinsurance system for variable The invention is directed to a system
      annuity contract with guaranteed for designing and administering a
      minimum death benefit             reinsurance plan for a variable
                                        annuity contract with a guaranteed
681                                     minimum death benefit, including a
                                        means for determining a contractual
                                        guaranteed minimum death benefit
                                        for the variable annuity contract, and
                                        a means for determining a
      Bankruptcy insurance product and An insurance product and business
      method for implementing same      method incorporating the product is
                                        disclosed. The product is designed to
                                        be coupled to a court ordered or
682                                     administered payment or repayment
                                        plan, where the product includes at
                                        least a life insurance component, an
                                        unemployment component, and a
                                        disability component where the
      System for funding, analyzing and The invention relates to a program
      managing life insurance policies that administers a method of funding
      funded with annuities             life insurance policies using annuities
                                        that are purchased at least in part
683                                     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 trust
      LIFE ELECTRONIC INFORMATION PROBLEM TO BE SOLVED: To
      RETRIEVAL SYSTEM AND LIFE provide a new life electronic
      ELECTRONIC           INFORMATION information retrieval system and life
      RETRIEVAL METHOD                     electronic     information      retrieval
684                                        method allowing even an information
                                           weaker to extremely easily retrieve
                                           and     acquire     the   life related
                                           information     required     by    itself.
                                           SOLUTION: This system comprises
      System for appraising life insurance A method and system of appraising a
      and annuities                        life insurance or annuity product
                                           includes receiving a request for a life
                                           insurance or annuity product and
685                                        information about a party requesting
                                           the life insurance or annuity product;
                                           preparing a bid solicitation for the life
                                           insurance or annuity product based
                                           on the request and information and
      MERGED          AGENT      SYSTEM, PROBLEM TO BE SOLVED: To
      COOPERATION CENTER SIDE unitarily control customer information
      SERVER, INDEPENDENT AGENT and contract information possessed
      TERMINAL,               CUSTOMER by a plurality of original companies
686   CONTRACT         DATA     CONTROL different in a kind such as a life
      METHOD          AND     CUSTOMER insurance company and a damage
      CONTRACT DATA PROVIDING insurance                    company       for      an
      METHOD                               independent agent. SOLUTION: A
                                           merged agent system has the
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      SETTLEMENT INTER-ENTERPRISE provide a commercial transaction
      COMMERCIAL          TRANSACTIONS system capable of avoiding a bill
      UTILIZING DAMAGE insurance           collection risk and capable of being
687                                        easily used        for   both     selling
                                           enterprises and buying enterprises.
                                           SOLUTION:          The      order      of
                                           commodities and services from a
                                           buying enterprise is received through
      Method of and system for financial A method and system for conducting
      services fulfilment                  a financial transaction involving the
                                           acquisition of a financial product. The
                                           method according to one aspect of
688                                        the invention comprises the steps of
                                           making an application for acquisition
                                           of a financial product that requires
                                           activation to become effective,
                                           processing the application for
      Method of managing financial A group trading software application
      investments on a group basis         and method for remotely based
                                           investment managers providing the
                                           capability for managing multiple
689                                        investment accounts by user defined
                                           groups. The groups can contain
                                           multiple investment and subgroups,
                                           each of which can be defined by the
                                           user around such criteria as on an ad
      System and method for creating a        A defined benefit pension plan, such
      defined benefit pension plan funded     as a plan described in Internal
      with a variable life insurance policy   Revenue Code Section 412(i), is
      and/or a variable annuity policy        created using variable life insurance
690                                           contracts and/or variable annuity
                                              contracts. Actuarial data used to
                                              create the defined benefit pension
                                              plan is entered via at least one user
                                              interface and processed. Based on
      PAYMENT     METHOD      AND             PROBLEM TO BE SOLVED: To
      PAYMENT SYSTEM OF DENTAL                enable a patient to receive an
      SELF-PAY CARE FEE, PROGRAM              expensive dental care at ease.
      FOR    CONTRACTED    DENTAL             SOLUTION: This method comprises
691   CLINIC PROCESSING COMPUTER,             a step SP4 for, when a patient who
      AND OTHER METHODS AND                   visits a dental clinic is the assured of
      SYSTEMS                                 a life insurance including its dental
                                              special contract, reporting the self-
                                              pay care fee of the patient from a
      COMMISSION DECIDING METHOD                 PROBLEM TO BE SOLVED: To
      AND ITS DEVICE                          properly decide a commission to be
                                              paid to an agent promoting purchase
                                              of a financial product such as a
692                                           defined       contribution        pension
                                              constructed of a selection of a
                                              combination of financial products
                                              selected      by      the       customer.
                                              SOLUTION: A commission deciding
      Life insurance products under a         A system and method for generating
      single approved form                    life insurance products under a single
                                              approved form. In one aspect, a
                                              system and method are provided for
693                                           determining a premium schedule by
                                              selecting a death benefit; targeting a
                                              projected balance of an account
                                              associated      with     the      product;
                                              designating at least one premium
      System and method for management        The present invention is a system
      of health care services                 and method for management of
                                              consumer services such as health
                                              care services which combines new
694                                           financial    structure      for     health
                                              insurance and health benefit plan,
                                              payment methods, health plan
                                              design,      benefit        development
                                              algorithms, unique procurement
      PROCESSING     SYSTEM     FOR              PROBLEM TO BE SOLVED: To
      SHIFTING insurance CONTRACT             realize    security     matched       with
      TO WHOLE-      LIFE insurance,          contractor's needs. SOLUTION: In
      insurance          CONTRACT             the processing system for shifting an
695   PROCESSING           SYSTEM,            insurance contract allowed to be
      PROCESSING     METHOD     FOR           shifted to whole-life insurance to the
      SHIFTING insurance CONTRACT             whole-life insurance, a processor 12
      TO WHOLE-LIFE insurance, AND            is provided with a primary capital
      ITS PROGRAM                             calculation means 113 for calculating
      Annuity having interest rate coupled An annuity provides a guaranteed
      to a referenced interest rate          rate of return for a guarantee period
                                             while at the same time providing
                                             upward adjustments to the interest
696                                          rate if there is a corresponding
                                             increase in a specified referenced
                                             rate, which may be a United States
                                             Treasury rate or an interest rate that
                                             is used to settle a contract that is
      Facultative underwriting system and A method for processing a life
      method                                 insurance facultative case summary
                                             submission over a network between
                                             a ceding company and a reinsurer.
697                                          Initially, a facultative case summary
                                             submission is received by the
                                             reinsurer from the ceding company
                                             via the network. Thereafter, a
                                             facultative decision is rendered by
      System and method for underwriting A system used by a underwriter for
      insurance                              evaluating life insurance applications.
                                             The system provides graphical user
                                             interfaces (screens) that are used to
698                                          select conditions applicable to the
                                             insurance applicant, and to select
                                             ratings     associated      with   those
                                             conditions. The ratings can be
                                             manually entered by an underwriter
      SYSTEM, DEVICE, AND METHOD PROBLEM TO BE SOLVED: To
      FOR ASSISTING LIFE insurance provide a life insurance sale assisting
      SALE                                   system which makes it possible to
                                             know a standard of an assessment
699                                          result of life insurance at a glance by
                                             inputting a medical examination
                                             result, etc., for improvement of the
                                             expediency of a contractor and a
                                             handling person. SOLUTION:
      Method      of    administering   life A life settlement insurance program
      settlement insurance program           is provided including an insured
                                             having a life insurance policy and a
                                             predetermined life expectancy. A
700                                          contracting entity is provided for
                                             contracting for the assignment of the
                                             insured's      life   insurance    policy
                                             benefits to a designated beneficiary
                                             in exchange for payment to the
      Optimal asset allocation during A method, system and medium for
      retirement in the presence of fixed optimally          allocating    investment
      and variable immediate life annuities assets for a given investor within and
      (payout annuities)                     between annuitized assets and non-
701                                          annuitized assets retrieves an
                                             investor's utility of consumption, utility
                                             of bequest, objective and subjective
                                             probabilities of survival and expected
                                             rates of return from each of a plurality
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      SUPPORTING HOME CARE AND prepare a care plan, along with its
      NURSING                                 modification, to provide various care
                                              and nursing services, and to provide
702                                           a home care and nursing support
                                              system and method capable of
                                              observing the state of users.
                                              SOLUTION: The home care/nursing
                                              support system 100 acquires user
      insurance surcharge for athletes        My invention adds the new dimension
                                              of providing a mechanism whereby
                                              life insurance, health insurance,
                                              accident insurance, and pension
703                                           benefits can be funded for the
                                              purpose        of      making       these
                                              aforementioned        insurances      and
                                              benefits individually or universally
                                              available on a full time basis to
      VARIABLE         ANNUITY          DATA PROBLEM TO BE SOLVED: To
      MANAGEMENT SYSTEM                       provide a variable annuity data
                                              management system that allows for
                                              specialized products sold by setting
704                                           different special accounts for each of
                                              a plurality of different sales
                                              companies,        even    for    variable
                                              annuities that are based on the same
                                              account. SOLUTION: The system
      Method and system for generating A program for generating new
      endowment       for     a    tax-exempt endowment for a tax- exempt
      organization                            organization. Life insurance policies
                                              are purchased for a group of suitable
705                                           donor individuals, with the tax-
                                              exempt       organization       as     the
                                              beneficiary. A finance company lends
                                              money        to      the      tax-exempt
                                              organization in amounts sufficient to
      SYSTEM,          METHOD            AND PROBLEM TO BE SOLVED: To
      PROGRAM FOR PROCESSING satisfy the need for an insurance
      WHOLE-LIFE insurance CHANGE             reexamination that desires new
                                              insurance purchase while retaining a
706                                           portion of whole-life insurance.
                                              SOLUTION: A whole-life insurance
                                              change      processing      system       is
                                              provided with an insurance contract
                                              information storing means 13 which
      Simplified variable life insurance      The present invention provides a tax-
                                              advantaged        investment product,
                                              particularly, a simplified flexible
                                              premium life insurance product, in
707                                           which the traditional cost of insurance
                                              charge is not a separate charge.
                                              Instead an asset charge, which is
                                              calculated as a percentage of the
                                              accrued value of the insurance
      Method of calculating a premium A method of calculating a premium
      payable by an insured person on a payable by an insured person on a
      life insurance policy                   life insurance policy uses the amount
                                              of claims made from a health
708                                           insurance plan of the insured person
                                              and information regarding the general
                                              well-being and/or lifestyle of the
                                              insured person to calculate the
                                              premium payable. The premium is
      System and methods for tracking the Systems and processes are provided
      relative interests of the parties to an for projecting, tracking and assessing
      insurance policy                        the performance of and relative
                                              interests of the parties to one or more
709                                           cooperatively-funded           insurance
                                              policies, such as split-dollar or jointly-
                                              owned life insurance policies. Certain
                                              embodiments can also optimize the
                                              structure and function of existing
      Method and system for life settlement This invention provides methods and
      contract securitization and risk systems for the efficient securitization
      management                              and risk management of life
                                              settlement          contracts.        The
710                                           advantages of the present invention
                                              include the ability to create securities
                                              derived from diverse pools of life
                                              insurance related obligations by
                                              managing, disaggregating, and
      Sector selection investment option in The present invention provides a
      a variable insurance product            combination of the investment
                                              methodology known as sector
                                              rotation      with       tax-advantaged
711                                           investment products, particularly,
                                              variable annuity and variable life
                                              insurance products and combination
                                              insurance products. The sector
                                              rotation methodology is implemented
      Methods for issuing, distributing, A method of issuing and managing
      managing and redeeming investment investment              instruments      called
      instruments providing securitized Pension Shares" which preferably
      annuity options                         take the form of securities that
712                                           represents a claim against and is
                                              secured by an investment fund. A
                                              Pension Share entitles its holder to
                                              receive, at a specified maturity date,
                                              either a lump sum payment amount
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      CALCULATING insurance AMOUNT suitably calculate insurance amount
      REGARDING           LIFE     insurance for minimum death guarantee when a
      INCIDENTAL         TO    SECURITIES life insurance is incidental to a
713   INVESTMENT TRUST MINIMUM securities                       investment        trust.
      DEATH GURANTEED GROUP LIFE SOLUTION: In this minimum death
      insurance SYSTEM AND METHOD, guaranteed group insurance system,
      AND COMPUTER PROGRAM                    an investment principal of the
                                              securities investment trust bought by
      Method and system for financing A method and system for financing
      future needs                        future intentions of a first party ( 1, 15
                                          ) pursuant to a first contract ( 4, 18 )
                                          with a Second Party ( 2, 16 ) for a
714                                       specified monetary sum in which a
                                          second contract ( 5, 19 ) involving a
                                          variable annuity is obtained from a
                                          Third Party ( 3, 17 ). A guaranteed
                                          benefit equal to at least the specified
      LIFE DESIGN SUPPORT SYSTEM            PROBLEM TO BE SOLVED: To
                                          reduce a labor taken for a life design
                                          of a resident including a decision-
                                          making of a job change/removal.
715                                       SOLUTION: A central ministry and
                                          agency side system is installed with a
                                          local government information DB and
                                          a private data integrated DB
                                          extracting and storing parts of
      System and method for securitizing A system and method of the
      life insurance contracts            invention uses an inventive contract
                                          structure       to      fund        credit
                                          enhancements for borrowers and
716                                       other      community        development
                                          activities. The system includes at
                                          least one collection component and a
                                          processing company. The collection
                                          component obtains insurance policy
      Method for raising funds            A method for raising funds includes
                                          taking out life insurance on insurable
                                          interests of a first organization and
                                          naming the first organization as
717                                       beneficiary of the life insurance. The
                                          method also includes transferring
                                          rights and/or benefits from the life
                                          insurance on the insurable interests
                                          to at least a second organization to
      Method and apparatus for the An apparatus for administering a
      administration of a benefits scheme benefits scheme on behalf of a
                                          plurality    of    members       of     an
                                          organisation.       The        apparatus
718                                       comprises: storage means for storing
                                          a total allowance allocated to each
                                          member; an output device adapted to
                                          present a plurality of benefits (14) to
                                          at least one member (22), each
      SYSTEM        FOR       PROCESSING PROBLEM TO BE SOLVED: To
      SCHOLARSHIP PROVISION FOR provide a scholarship provision
      ASSURED MEMBER, AND ITS processing system for an assured
      PROCESSING METHOD                   member by which the rapid provision
719                                       of scholarship is possible for the child
                                          of an assured person assured by life
                                          insurance, and also to provide its
                                          processing method. SOLUTION: The
                                          system includes: a contract
      System and method for catastrophic The present invention provides a
      risk assessment                       system      and     methodology       for
                                            quantification of insurance risks from
                                            a variety of catastrophic events in
720                                         one or more geographic locations. A
                                            probability distribution for a given
                                            catastrophic event is developed. A
                                            potential claim distribution of the
                                            given event is developed. A
      DEVICE FOR LIFE insurance PROBLEM TO BE SOLVED: To
      CONTRACT WITH CONDITION provide a device for a life insurance
      SUBSEQUENT                            contract with condition subsequent,
                                            capable of realizing the life insurance
721                                         contract      with     the     condition
                                            subsequent, which is the life
                                            insurance contract under which both
                                            of a customer and an insurance
                                            company can cancel the contract
      LIFE        insurance        DESIGN PROBLEM TO BE SOLVED: To
      SIMULATION         SYSTEM,       LIFE automatically      design      optimum
      insurance DESIGN SIMULATION contract coverage of life insurance.
      TERMINAL, LIFE insurance DESIGN SOLUTION: From basic information
722   SIMULATION METHOD AND LIFE on the household of a design target
      insurance DESIGN SIMULATION person, the household's income and
      PROGRAM                               expenditure to a given time is
                                            calculated (s7a to s7c). From the
                                            calculated income and expenditure
      System and method for improved This invention is a system and
      insurance marketing                   method for determining the most
                                            advantageous life insurance policy
                                            between Individual Preferred Term
723                                         (IPT) and Voluntary Group Term Life
                                            (VGTL) according to the VGTL terms
                                            and     conditions    and     employee
                                            information. A set of computer
                                            readable instructions contained within
      Method and system for providing a A unique approach to the funeral
      combination of life insurance coupled industry includes the packaging of life
      with customer services through time insurance with customer services to
      of need                               be continuously provided from the
724                                         time of enrollment through time of
                                            need. This invention includes a
                                            central services provider that makes
                                            continuously available to a customer
                                            who has obtained life insurance
      Charitable income strategy            Income is generated income for a
                                            charity using a combination of one or
                                            more immediate annuities and a life
                                            insurance policy. A designated
725                                         individual serving as the annuitant
                                            and insured is selected from
                                            participating members of the charity
                                            based on the age and insurability of
                                            available participating members, so
      LIFE insurance WITH ECONOMIC PROBLEM TO BE SOLVED: To
      SITUATION MANAGEMENT                  provide a business model which
                                            provides a support for constantly
                                            monitoring and keeping economic
726                                         situations of a contractor since the
                                            conventional         life     insurance
                                            economically helps the contractor
                                            when something occurs and normal
                                            economic situation management is
      Method for hybrid life insurance plan A method for providing life insurance
                                            includes issuing a life insurance
                                            policy to an insured with a face
                                            amount payable to a beneficiary and
727                                         a term certain. Premiums are
                                            collected periodically from the
                                            insured until either the term certain
                                            expires or the death of the insured,
                                            whichever comes first. The life
      Method, system and apparatus for The present invention provides a
      forming an insurance program          means of calculating and evaluating
                                            a premium financing program. The
                                            present invention provides an
728                                         apparatus which takes into account
                                            factors and data such as various
                                            alternative sources of funding,
                                            various alternative inflows of assets,
                                            and various outflows of assets due to
      Method and system for inverse life A computer based method for
      annuity                               investing that includes causing the
                                            formation of an agreement for the
                                            transfer of benefits of an insured's life
729                                         insurance policy to a first entity and
                                            the transfer of premium payment
                                            obligations of the insured's life
                                            insurance policy to the first entity or a
                                            second entity in exchange for
      METHOD AND SYSTEM FOR A method and a system for
      MONITORING DYNAMIC STATE              monitoring dynamic state in which
                                            heart beat data and respiration data
                                            are detected with high accuracy
730                                         using an air sensor of simple
                                            arrangement while remarking the fact
                                            that individual difference is present in
                                            the heart beat and respiration
                                            depending on the physical features
      Method of enhancing value of A method for increasing the assets of
      pension plan assets                   a pension plan is disclosed. The
                                            method includes investing at least a
                                            portion of one or more assets of a
731                                         pension plan so as to acquire an
                                            interest in one or more current, in-
                                            force insurance contracts from one or
                                            more owners of the one or more
                                            current, in-force insurance contracts.
      COMMISSION             CALCULATION PROBLEM TO BE SOLVED: To
      SYSTEM              FOR         FIXED provide a commission calculation
      CONTRIBUTION PENSION                  system enabling a product providing
                                            organ such as an insurance company
732                                         for providing financial products to
                                            fixed contribution pensions to grasp
                                            the introduction states of a fixed
                                            contribution pension system to
                                            customers to which an agency
      Life insurance Continuation Plan      An insurance method wherein an
                                            insured and/or his current insurance
                                            policy is analyzed and the policy
                                            owner is offered a new insurance
733                                         contract for consideration and/or the
                                            receipt of benefits from the insured's
                                            old insurance policy. Premiums are
                                            readjusted for the insured so that the
                                            new insurance policy is more
      Managing a life insurance investment A method of managing an investment
                                            of a policyholder which corresponds
                                            to a sum assured is described. The
                                            invention has particular application to
734                                         life insurance. The policyholder
                                            selects a basic sum assured, and a
                                            periodic          basic         premium
                                            corresponding to the basic sum
                                            assured is calculated. The basic sum
      Method for funding annuities and The present invention relates to the
      then using the annuities to fund life funding of annuities and using the
      insurance                             annuities in a specific manner to fund
                                            life insurance. Using this method a
735                                         business is able to obtain a higher
                                            than normal market return using an
                                            annuity and then applying the higher
                                            than market returns to fund life
                                            insurance. This invention also
      Method and system for providing Separate accounts of life insurance
      stable value                          carriers    receive premiums          for
                                            company owned life insurance
                                            (COLI). The premiums are invested
736                                         in a stable value fund along with net
                                            premiums from other separate
                                            accounts. The stable value fund
                                            enters into a derivative contract with
                                            a stable value provider. The stable
      Methods of offering and providing a A variable universal life insurance
      variable life insurance product       product that includes a death benefit
                                            and associated investment vehicles
                                            is selectively offered. A life insurance
737                                         policy chassis is provided by an
                                            insurance company to an asset
                                            manager. The asset manager
                                            combines the life insurance policy
                                            chassis with one or more associated
      INFORMATION           PROCESSING PROBLEM TO BE SOLVED: To
      METHOD AND DEVICE FOR design a new pension insurance
      PENSION insurance                    which is attractive to an insurance
                                           contractor and, at the same time,
738                                        enables an insurance company to
                                           reduce their risks. SOLUTION: In the
                                           pension insurance, an insurance
                                           premium is paid in Japanese yen, the
                                           implementation is performed in
      Loan financing and investment A method for financing a loan of an
      method                               amount loaned to a borrower
                                           comprising the steps of selecting a
                                           reference loan having an amount
739                                        equal to the loan amount; selecting
                                           the terms of the reference loan;
                                           calculating a periodic payment paid
                                           under the reference loan; loaning the
                                           borrower a loan amount; selecting an
      Method and system of charitable This invention enables donations to
      fundraising and socially responsible nonprofits, such as universities and
      investment involving life insurance colleges, at minimal or no cost to the
      products                             donors. A nonprofit holds life
740                                        insurance policies on the lives of
                                           consenting donors. The nonprofit
                                           assigns the death benefits of the
                                           policies to a financial benefactor and
                                           acquires an ownership interest in the
      Arbitrage fund program               An arbitrage entity is formed to
                                           manage arbitrage transactions. The
                                           arbitrage entity owns an interest in
                                           one or more leveraged annuity and
741                                        one or more leveraged life insurance
                                           policy issued on the life of one or
                                           more client. Premium payments on
                                           the leveraged life insurance are
                                           financed by annuity proceeds. A
      METHOD AND SYSTEM FOR PROBLEM TO BE SOLVED: To
      NOTIFYING MESSAGE                    provide a method for notifying a
                                           message for notifying a message
                                           while being interlocked with the
742                                        payment of insurance when the
                                           insurance of an income assurance
                                           insurance or the like is continuously
                                           paid as a pension. SOLUTION: A
                                           contractor who has concluded the life
      System and method for modeling and A process for determining the optimal
      implementing an employee benefit premium structure and a lucrative
      plan                                 retirement and a death benefit plan,
                                           provided by an employer to an
743                                        employee, using a portion of the
                                           employee's contribution and the
                                           employer's contribution to finance the
                                           premium.
      Method of calculating premium              Survival risk insurance is a method of
      payment to cover the risk attributable     transferring         the        financial
      to insureds surviving a specified          consequences associated with the
      period                                     risk that deaths occurring within a
744                                              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 of death benefits
      Process      for    incorporation     of   A process for Incorporation of
      exchange traded portfolios (a.k.a.         Exchange Traded Portfolios (a.k.a.
      exchange traded funds) into life           Exchange Traded Funds) Into Life
      insurance or annuity policies with an      insurance or Annuities with an
745   optional principal protection feature      Optional Principal Protection Feature
                                                 with the steps of: Establishing
                                                 variable life insurance and /or annuity
                                                 products; Make available the various
                                                 ETF's instead of or in addition to
      System for facilitating life settlement    A system and method for buying and
      transactions                               selling life insurance policies includes
                                                 an online database for storing
                                                 information      concerning      in-force
746                                              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 with
      Apparatus and method for achieving         The apparatus and methods of the
      enhanced returns on investments            present invention create enhanced
                                                 investment returns for investors by
                                                 utilizing standard insurance products
747                                              and      recognizing     the    actuarial
                                                 expectation of death for lives within a
                                                 pool of insured lives. In the most
                                                 preferred embodiments of the
                                                 present invention, a pooled
      SYSTEM AND METHOD FOR                       A system and method for supporting
      PROVIDING          HEALTH                  the health of a person by feeding
      INFORMATION USING GENOME                   back genome information to the
      INFORMATION                                person’s taste, lifestyle, or
748                                              living environment. An insurance
                                                 contractor (A1) submits a genome
                                                 sample of the contractor (A1) to a life
                                                 insurance company (B) according to
                                                 a life insurance contract with a
      Transferable and tradable annuities        The invention introduces innovative
      pension and similar instruments            elements to life- related annuities,
                                                 and similar instruments (PI's) by
                                                 transforming thereof from PI's issued
749                                              permanently to a specific holder and
                                                 priced according to a specific insured
                                                 person, into PI issued initially to
                                                 anonymous holders, without specific
                                                 insured persons. Such PI's are
      LIFE insurance-COLLATERAL LOAN PROBLEM TO BE SOLVED: To
      SYSTEM                                 construct a system enabling a person
                                             to join a life insurance and get a loan
                                             with the life insurance certificate as a
750                                          collateral. SOLUTION: A user-side
                                             computer accesses a financial
                                             company-side           computer      and
                                             transmits user data to perform an
                                             application for loan. The financial
      Method of preserving rights in land    This invention relates to a method of
                                             preserving        rights,     such    as
                                             development rights, in land owned by
                                             a landowner. The invention uses
751                                          financed life insurance, a bargain
                                             sale and the use of a trust or other
                                             entity, whereby a life insurance policy
                                             on the life of the landowner or rights
                                             owner is owned by the trust, and the
      INSTRUMENT FOR EXPLAINING PROBLEM TO BE SOLVED: To
      FINANCIAL         PRODUCT,        AND provide an instrument and an
      FINANCIAL                  PRODUCT explanation method that are used
      EXPLANATION METHOD                     when an explainer offers consultation
752                                          or explanation concerning financial
                                             products, such as insurance or life
                                             planning, to a customer, enabling the
                                             explainer to plainly explain the
                                             content of an explanation object and
      Shareholder-owned life insurance Systems and methods provide a
      system and method                      shareholder-owned life insurance
                                             product enabling a shareholder in a
                                             small or closely held company to
753                                          purchase a large-scale life insurance
                                             product, independent of the limited
                                             operating budget of his company, in
                                             which he can invest a large sum of
                                             private wealth. The shareholder can
      Method for balance sheet adjustment A PLAN and SPECIAL PLAN are
      with financial investment capabilities disclosed       which     are   business
                                             methods for allowing a business to
                                             include in its financial statement an
754                                          asset to counterbalance the liability
                                             that is reported on the financial
                                             statement that reflects the unused
                                             vacation payments, unused sick
                                             benefit payments, future pension
      Mortality linked bond obligation       A method for investing, including
                                             causing the formation of a first
                                             agreement for the transfer of benefits
                                             of an insured's life insurance policy to
755                                          a first entity and the transfer of
                                             premium payment obligations of the
                                             insured's life insurance policy to the
                                             first entity or a second entity in
                                             exchange for a payment to at least
      System and method for a life A life exchange system and method
      settlement and/or viatical exchange for life settlement and/or viaticals are
                                          provided where a plurality of life
                                          insurance policies can be sorted and
756                                       matched between brokers and
                                          funders. The life exchange system
                                          allows brokers and providers to
                                          exchange secondary life insurance
                                          by way of a life exchange component
      METHOD AND SYSTEM FOR LIFE A method for creating a special
      SETTLEMENT AND LIFE insurance purpose entity of high credit quality
      CONTRACTS          SECURITIZATION with an initial amount of investment
      INVOLVING ASSET AND LIABILITY capital, comprising the steps of:
757   STRIPPING                           acquiring an initial amount of capital;
                                          using this investment capital to
                                          acquire a plurality of life insurance
                                          policies by executing life settlement
                                          contracts; appointing a trustee to
      ANNUITY PRODUCT AND METHOD An annuity product for paying out a
      OF IMPLEMENTING THE SAME            desired periodic income payment to
                                          an annuitant including, without
                                          limitation:     a   deposit     amount
758                                       determined based on at least the
                                          desired periodic income payment, the
                                          age of the annuitant, a term
                                          comprising a guaranteed period for
                                          payment of the desired periodic
      Method and system for charitable A method for implementing charitable
      lending through retirement          lending through a retirement plan,
                                          which can be implemented via a
                                          computer system having the following
759                                       steps: (a) creating or using a self
                                          directed plan of a donor with a
                                          designated plan custodian; (b)
                                          loaning funds from a self directed
                                          plan to a tax-exempt organization; (c)
      insurance                 CONTRACT NotAvailable
      PROMOTION SYSTEM IN LIFE
      insurance COMPANY

760




      Method and system for insuring A computer based method and
      longer than expected lifetime  system      to    provide      insurance
                                     protection     to   compensate        an
                                     interested party against the financial
761                                  risk that an elderly person (the
                                     Insured") lives a longer than
                                     expected lifetime. The method
                                     comprises the steps of determining a
                                     target survival date for the insured;
      AUTOMATIC DESIGN DEVICE OF PROBLEM TO BE SOLVED: To
      OPTIMUM insurance BASED ON properly and rapidly automatically
      INDIVIDUAL LIFE PLAN                    design the optimum combination of
                                              insurance products such as whole
762                                           term insurance, level term insurance
                                              and a family income insurance
                                              special agreement based on a life
                                              plan specific to a person planned in
                                              accordance with an individual life
      System and method for creating a A method of providing portability and
      favorable risk pool for portability and conversion life insurance plans to
      conversion life insurance programs      departing employees is disclosed.
                                              The method comprises the steps of
763                                           establishing risk parameters for
                                              pricing an insurance policy, collecting
                                              data      regarding       a     departing
                                              employee's individual risk level upon
                                              termination of employment, assigning
      Method for providing retirement A method for providing retirement
      income using mutual fund longevity income using mutual fund longevity
      insurance                               insurance is provided. A current or
                                              prospective retiree can purchase a
764                                           mutual fund coupled with a longevity
                                              product. The longevity product
                                              insures against the early exhaustion
                                              or termination of the mutual fund,
                                              superannuation, or poor market
      Retirement planning system and A computer-implemented retirement
      method                                  planning system comprises data
                                              collection logic, modeling logic, and
                                              report generation logic. The data
765                                           collection logic is configured to
                                              receive data pertaining to an
                                              individual planning for retirement.
                                              The retirement modeling logic is
                                              configured to process the data to
      Method for endowing a tax exempt A method for establishing a
      organization                            contractually       guaranteed       and
                                              lucrative endowment fundraising
                                              program. The program utilizes a third
766                                           party lender, such as a bank, that
                                              finances a premium for a life
                                              insurance policy. The life insurance
                                              policy is owned by the tax-exempt
                                              organization for the life of a key
      METHOD OF ENHANCING VALUE A program product, a system, and
      OF PENSION SYSTEM ASSETS                method for a trustee and a pension
                                              system, one embodiment of a
                                              program product consistent with the
767                                           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 settlement pool, wherein
      METHOD     FOR   MAXIMIZING                The present invention provides a
      RETIREMENT   INCOME USING               method for maximizing retirement
      FINANCIAL BRIDGE PRODUCTS               income using bridge annuities (30)
      AND     DEFERRED    SOCIAL              and deferred Social Security income.
768   SECURITY INCOME                         Financial information about a client
                                              (20) is gathered, in addition to
                                              financial information (30) about the
                                              client's spouse, if applicable. A
                                              variety of income scenarios (50) are
      Auction system and method for a life    An auction-based system and
      insurance secondary exchange            method for a life insurance
                                              secondary exchange. Through a
                                              phased process that includes an
769                                           information phase, a submission
                                              phase, an offer phase and a close
                                              phase, a life insurance policy may be
                                              submitted and sold by a policy holder
                                              to purchasing groups via a trusted
      Methods for reducing and eliminating    A method for arranging a life
      risk exposure in life insurance         insurance        transaction       while
      transactions                            managing risk exposure associated
                                              with the transaction is disclosed. In
770                                           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 policy for
      Life settlement/settlement with paid-   A method and system for structuring
      up policy system and method             a life settlement with a paid-up policy
                                              transaction. An existing insurance
                                              policy holder exchanges an existing
771                                           insurance policy for a paid-up
                                              insurance policy or life insurance
                                              group certificate purchased by a
                                              buyer on a secondary market. The
                                              policy could also exchange their
      Wealth replacement rider                A method for determining a death
                                              benefit with respect to a charitable
                                              gift annuity contract, the method
                                              determining the death benefit funded
772                                           on an after-tax basis of the charitable
                                              gift annuity. The method comprises
                                              determining if a wealth replacement
                                              rider has been selected; and if the
                                              wealth replacement rider has been
      System and method of using life         The invention includes a system and
      insurance to generate income            method of using life insurance to
                                              generate income for a property
                                              owner, the property owner's estate,
773                                           and/or a developer of the land held
                                              by the property owner. One operation
                                              is identifying an insurable interest
                                              associated with a property and an
                                              individual with a property interest.
      Method of managing a life insurance A method of managing the business
      policy with a related medical scheme of a life insurance scheme of the kind
                                            in which a life insurer receives life
                                            insurance premiums from an insured
774                                         life and pays a predetermined sum to
                                            the insured life on the occurrence of
                                            an insured event. The life insurance
                                            scheme is linked to a medical
                                            scheme of the kind in which the
      Method of making a leveraged A method of funding a tax-exempt
      charitable donation while increasing organization. A donor utilizes an
      net worth                             original principal sum that is
                                            separated into first and second
775                                         distinct parts. The first part is given
                                            as a freely given, separate, and
                                            immediate cash donation to a tax-
                                            exempt organization. The second
                                            part is utilized to purchase an equity-
      Process for creating a financial plan A computer-implemented process
      for funding of college education      creates a financial plan for parental
                                            funding of a student's college
                                            education. The plan includes a
776                                         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
      Method of managing a life insurance The invention relates to a method of
      policy and a system therefor          managing a life insurance policy in
                                            which the life insurer receives a
                                            premium from an insured life and
777                                         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 by the insured life. The
      Premium financing method and loan A premium financing method and a
      product using life insurance policies non- recourse loan product using life
      and method for administering same insurance policy as only collateral for
                                            a non-recourse loan. The proceed of
778                                         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 policy of the insured to
      Methods for creating, issuing, A method for administering an
      managing and redeeming annuity- annuity- based retirement funding in
      based retirement funding instruments which an investor's funds or current
                                            income is used to make incremental
779                                         purchases of immediate annuity
                                            benefits at market rates, with the
                                            annuity payments received from
                                            previous purchases being applied
                                            purchase additional annuity benefits.
      A SYSTEM AND METHOD FOR A method is described for enabling a
      THE PROVISION OF A FINANCIAL plurality of consumers to receive a
      PRODUCT                             term of life periodic payment from a
                                          financial product provider. The
780                                       financial product provider secures an
                                          interest for a predetermined value
                                          over     assets    owned     by    the
                                          consumers, and calculates a series
                                          of period payments based on the
      Method, system and program product insurance methods, systems and
      supporting insurance-funded end-of- products which revolve around
      lifetime activities for a facility  having an insurance plan with at least
                                          two separate but related insurance
781                                       contracts on the same insured or
                                          insureds.     The     contracts    are
                                          developed using life insurance
                                          product data to develop

      A SYSTEM       AND METHOD OF A system and method of providing
      PROVIDING        FOR   CUSTODIAL care       annuities     that    guarantee
      CARE                               provision of actual, appropriate
                                         custodial care to individuals. The
782                                      care annuities are priced based on
                                         an estimated cost of providing
                                         anticipated, appropriate custodial
                                         care for an anticipated time period,
                                         such as a Medicaid lookback time.
      Program for alternative funding of An insurance program for funding
      employee and retiree benefits      benefits by maintaining assets in the
                                         insurance program that includes an
                                         employer or employee owned trust
783                                      account and at least one life
                                         insurance        contract     or    non-
                                         cancelable accident and health
                                         insurance contract obtained directly
                                         or indirectly from a captive insurance
      COMPUTER          SYSTEM      FOR A computer system for monitoring
      ACTIVELY       MONITORING     AND and enhancing the collateral security
      ENHANCING THE COLLATERAL underlying a set of loans is provided,
      SECURITY FOR A PORTFOLIO OF including a system for calculating the
784   LOANS          TO      FACILITATE unsecured value of the set at any
      FINANCING AND SECURITIZATION time and for initiating additional
                                         collateral enhancement instruments
                                         when the unsecured value exceeds a
                                         certain limit. The system may include
      Systems and methods for providing In one aspect, the invention
      an enhanced option rider to an comprises a computer system for
      insurance policy                   providing a life insurance policy with
                                         an      enhanced         option    rider,
785                                      comprising: an electronic database
                                         operable to store data related to
                                         policyholders and policy terms; and
                                         an        insurance       administration
                                         computer, in communication with the
      ARRANGEMENTS FOR DERIVING A system and method for providing
      FINANCIAL        BENEFITS      FROM equity based benefits to a person
      EQUITY OWNED IN PROPERTY              dependent upon equity in property
                                            owned by the person is disclosed.
786                                         The method (2200) is implemented
                                            on a computer based system (600)
                                            and comprises securing (810, 210) a
                                            loan secured by a proportion of the
                                            equity, the loan having a principal
      Method and apparatus for insuring Systems and methods are described
      and paying annuities for patents      that allow and enable the provision of
                                            malpractice or errors and omissions
                                            insurance to cover malpractice or
787                                         other negligent conduct in connection
                                            with the payment of annuity or
                                            maintenance fees for patents and
                                            patent applications throughout the
                                            world
      Lifestyle protection insurance        An insurance product for protecting a
                                            wage earner against a reduction in
                                            compensation resulting from an
                                            event such as involuntary dismissal
788                                         from employment or military service
                                            activation,      and       subsequent
                                            reemployment        at   a     reduced
                                            compensation. An insurance product
                                            may elect to recover a vesting
      SYSTEM,           METHOD         AND A system and method and a financial
      FINANCIAL         PRODUCT        FOR income protection product are
      PROVIDING                RETIREMENT provided for enabling individuals who
      INCOME PROTECTION                     are approaching or are in retirement
789                                         to ensure future sources of income
                                            with a reduced initial monetary outlay
                                            than conventional income protection
                                            products such as, for example,
                                            annuities. Income benefits are
      Method and system for enabling a life A loan is secured by insurance policy
      insurance premium loan                collateral between a lender, borrower
                                            with the insurance policy, and an
                                            intermediary.     The     intermediary
790                                         establishes a securities account and
                                            holds the insurance policy, which
                                            designates the borrower as the
                                            beneficial owner and the intermediary
                                            as the record owner. The borrower
      Method for entity risk management A method for entity risk management
      and accumulating assets for a secure and for accumulating assets for a
      retirement                            secure retirement is provided in
                                            which a non-MEC life insurance
791                                         policy that is not considered a single
                                            premium       insurance     policy   is
                                            purchased and funded over time by
                                            an owner of a business through
                                            proceeds from a loan made to the
      Premium financing method and A premium financing method and a
      product using life insurance policies loan product using life insurance
      and method for administering same policy as all or a portion of the
                                            collateral for a loan or credit line. The
792                                         proceeds of the loan or draws against
                                            the credit line are used to ensure
                                            payment of at least one scheduled
                                            premium of the life insurance policy.
                                            The loan product can use a new or
      Method for managing financial A personal financial program is
      accounts by a preferred allocation of disclosed incorporating means of
      funds among accounts                  implementing,               coordinating,
                                            supervising, planning, analyzing and
793                                         reporting upon investments in an
                                            array of asset accounts and liability
                                            accounts within a client account.
                                            Through a prioritization function, the
                                            client specifies his financial
      Digital   computer     system    and A      computer-aided       method for
      methods for a synthetic investment implementing at least one synthetic
      and risk management fund              investment      fund.     The method
                                            includes providing a digital electrical
794                                         computer apparatus including a
                                            digital computer having a processor,
                                            the processor electrically connected
                                            to a memory device for storing and
                                            retrieving machine-readable signals,
      PROCESS AND SYSTEM FOR                   The present invention relates
      PROVIDING A FUNDED TRUST generally to a process and system for
      STRUCTURE                             providing a funded trust structure.
                                            More particularly, the invention
795                                         relates to having a trust funded
                                            primarily by independent third parties,
                                            whereby capital reserves may be
                                            more efficiently deployed. One or
                                            more securitized notes may be
      Charitable organization funding and A charitable organization funding and
      member benefit program                member benefit program to include
                                            an     organization      that    receives
                                            donations that are tax deductible
796                                         from members who commit to,
                                            payment of dues, regular donations
                                            of blood and may agree to the
                                            performance        of    services     and
                                            donation of their usable organs at
      Method for increasing liquid assets A method for increasing liquid assets
      available to at least partially fund available to an individual to at least
      living expenses at an assisted living partially find living expenses of the
      facility                              individual at an assisted living facility
797                                         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 to the availability of selling the
      SYSTEM AND METHOD FOR LONG None
      TERM      CARE     insurance
      ADMINISTRATION

798




      System and method for tracking and A computer and communications
      funding     asset    purchase     and system facilitates the administration
      insurance policy                       of a mortgage and life insurance
                                             combination program in which all or a
799                                          portion of the funds normally used as
                                             a down payment are used to
                                             purchase a life insurance policy. The
                                             system          includes       computer
                                             subsystems of a program
      INFORMATION PROCESSOR AND PROBLEM TO BE SOLVED: To
      METHOD         FOR       ACCEPTING support            insurance      assessing
      INFORMATION REQUIRED FOR business on a transport accident.
      insurance ASSESSMENT                   SOLUTION:            An       insurance
800                                          assessment intermediary server 10
                                             issues a control number when
                                             accepting a transport request from a
                                             shipper terminal 20. When an
                                             accident is caused at transport time,
      Systems and methods for automatic Systems and methods are described
      submission, audit and adjustment of for         automatically       processing
      mortgage insurance claims              mortgage insurance claims. In one
                                             described system, a central server
801                                          computer receives inputs from, and
                                             provides outputs to, a servicer
                                             terminal connected into a network.
                                             The servicer terminal captures data
                                             from a servicer submitting a
      Methods and apparatus for marketing Systems          and      techniques    for
      mortgage insurance and associated marketing              and      implementing
      products and performing transactions transactions        involving   mortgage
      including mortgage insurance           financing are described. A system
802                                          according to one aspect of the
                                             invention includes a data repository
                                             storing information used to design
                                             financial products and a product
                                             database including information
      Method and apparatus for preparing A method and apparatus are
      client    communications     involving provided for automatically preparing
      financial products and services        a client communication pertaining to
                                             a financial product for a client,
803                                          wherein the client communication is
                                             for     combined        use    with    a
                                             corresponding host vehicle. The
                                             method comprises providing a format
                                             for the client communication wherein
      CORPORATE INTRANET BANKING None
      SYSTEM AND METHOD


804




      Method and system for internet A computer implemented method of
      banking and financial services         providing a client with an integrated
                                             financial    management      account,
                                             including receiving application data
805                                          for     an     integrated     financial
                                             management account and setting up
                                             the integrated financial account with
                                             a loan component data, an
                                             investment component data, and an
      System and method for providing An innovative system and method for
      critical period protection to eligible providing financial protection to
      borrowers                              predefined borrowers during critical
                                             periods. The system includes a
806                                          financial product that includes
                                             multiple insurance products that
                                             provide financial protection against
                                             predefined insurable risks without
                                             additional cost to each predefined
      MODULAR FINANCIAL SERVICE None
      INSTRUMENT


807




      Methods and apparatus for allowing   Systems       and    techniques       for
      consumers to make choices among      promotion of financial services to
      financial service providers and      consumers are described. In one
      providing   incentives   to    the   aspect, a system comprises a
808   consumers                            database of provider information
                                           including identification of affiliated
                                           providers, the services offered by the
                                           providers      and     categories      of
                                           customers served by the providers
      Method for financing the acquisition A system for financing the acquisition
      of an asset for members of a group of an asset or service is provided
                                           herein. The system ( 100 ) comprises
                                           a plurality of groups G1, . . . , Gk (
809                                        103, . . . , 105 ) wherein, for i=1 to k,
                                           group Gi consists of mi members (
                                           107, 109, 111, 113 ), each of whom
                                           are contractually obligated to make a
                                           predetermined number of periodic
      Method and      system   for vendor A method and system for managing
      management                          business transactions, such as
                                          mortgages       or     other    financial
                                          transactions. A business transaction
810                                       between an end user and a financial
                                          institution includes sub-transactions
                                          between the end user and a vendor.
                                          A      software     system     performs
                                          functions to complete the business
      Financial portfolio management and The invention relates generally to a
      analysis system and method          system and method of financial
                                          portfolio management and analysis.
                                          More particularly, the invention is
811                                       directed to a system and computer-
                                          implemented method is provided for
                                          analyzing financial assets and
                                          performing         asset      valuation,
                                          statistical, econometric and portfolio
      System and method for aggregate As system for facilitating client and
      portfolio client support            advisor communications which may
                                          include a port to an aggregate
                                          database of a client's holdings and
812                                       profile. When servicing or analyzing a
                                          client's financial needs, a financial
                                          advisor at a call center or other
                                          facility may be presented with a
                                          screen displaying some or all of the
      Nuclear decommissioning insurance An insurance policy and insurance
      financial product and method        method for providing financial
                                          assurance for decommissioning a
                                          nuclear power plant using insurance
813                                       is described. In one embodiment, a
                                          financial product, such as a
                                          decommissioning insurance policy,
                                          provides financial assurance for the
                                          decommissioning of a nuclear power
      insurance      OR     MUTUAL    AID PROBLEM TO BE SOLVED: To
      SYSTEM, SERVER COMPUTER efficiently determine correctness of a
      FOR insurance OR MUTUAL AID medical cost. SOLUTION: This
      SYSTEM, CLIENT COMPUTER FOR insurance system comprising a client
814   insurance      OR     MUTUAL    AID computer 10 on the hospital side to
      SYSTEM, AND insurance OR request the medical cost to a subject
      MUTUAL AID POLICY FOR PET           having insurance, and a server
                                          computer 30 on the insurance
                                          company side to make payment
      REDUCING            RISK     USING process and system for locating,
      BEHAVIORAL AND FINANCIAL copying and sending requested
      REWARDS                             records, such as medical records.
                                          The system includes a data
815                                       processing center which acts as a
                                          central clearing house for processing
                                          the     requests,     requesters     that
                                          generate the requests, and pr
      SYSTEM AND METHOD FOR PROBLEM TO BE SOLVED: To
      SUPPORTING insurance SALES improve a function to provide
      AND      PROGRAM         RECORDING information on damage risk of a
      MEDIUM                                 customer for supporting sales.
816                                          SOLUTION: A basic information
                                             obtaining part 22 obtains the
                                             information of a customer as a base
                                             for calculating damage risk as risk
                                             calculation base information. A risk
      Apparatus and method for providing A centralized automated apparatus
      collateral construction loan insurance for lending institutions to initiate,
      coverage                               report     and     confirm     insurance
                                             coverage on buildings used as
817                                          collateral for construction loans under
                                             a single builder's risk policy provided
                                             by an insurance provider with the
                                             lending institution named as the
                                             named insured and the
      LEASE MANAGEMENT SYSTEM                  PROBLEM TO BE SOLVED: To
                                             provide a lease management system
                                             allowing a lease management
                                             company to cope with collection of
818                                          money from tenants, fire insurance
                                             processing for rental building, credit
                                             examination for tenant, etc., which
                                             are     important     for    the   lease
                                             management company, as a system
      METHOD AND DEVICE FOR PROBLEM TO BE SOLVED: To
      EVALUATING BUILDING FIRE RISK make risk evaluation by combining
      AND STORAGE MEDIUM                     the fire phenomenon analysis with
                                             the probability theory for calculating
819                                          the fire insurance premium of any
                                             building in accordance with the
                                             structure and risk of each building.
                                             SOLUTION: A building fire risk
                                             evaluating device according to the
      Augmented system and methods for A computer system, and methods for
      computing to support fractional making and using it, for changing
      contingent interests in property       digital electrical signals to generate a
                                             valuation of a fractional interest in a
820                                          contingent interest in property, the
                                             computer apparatus including: an
                                             input device operable for converting
                                             input data representing property into
                                             input digital electrical signals
      Global asset information registry      Recording information related to an
                                             asset in an asset registry throughout
                                             the life cycle of the asset.
                                             Categorizing the information into
821                                          multiple attributes. Managing read
                                             and write privileges to the asset
                                             registry for various entities having an
                                             interest in the asset. Providing
                                             access to the attributes to the various
      Online method and system for A method of fulfilling needs acquired
      fulfilling needs resulting from property as a result of property and other
      and other similar losses                 similar losses, the method involving
                                               the steps of directing a person or
822                                            entity with a need resulting from a
                                               loss to a site on a global computer
                                               network, interviewing the person or
                                               entity at the site to obtain information
                                               about the person or entity and the
      METHOD AND APPARATUS FOR A system and method are provided
      ENHANCING                          THE for collecting, storing and retrieving
      TRANSFERRABILITY                   AND ownership information for personal
      VALUATION OF WORKS OF ART                assets including works of art, and
823                                            rightful ownership insurance policies
                                               for personal assets. Ownership
                                               certificates may be issued based on
                                               the information collected in the
                                               database. Seperate rightful
      Method and apparatus for insuring A method and apparatus for insuring
      multiple unit dwellings                  both the owner and tenants within an
                                               apartment or multi-unit dwelling
                                               comprising: inputting into a computer
824                                            processor a data base of building
                                               physical     information,     occupancy
                                               information, and         tenant rental
                                               information;     inputting     into   the
                                               computer processor an insurance
      Attribute forecasting system and Provided is technology for enabling
      method thereof, insurance premium an accurate forecasting of a residual
      calculation system and method value of goods based on data
      thereof, and computer program showing the similar trend, without
825   product                                  making reduction of the number of
                                               data caused by ramification, when
                                               the subject goods have an attribute
                                               that may largely affect the residual
                                               value thereof. In order to achieve the
      SUPPORT SYSTEM FOR insurance PROBLEM TO BE SOLVED: To
      PRODUCT          DEALING       AGENCY smoothly          perform     the     agency
      BUSINESS                                 business of damage insurance
                                               product dealt with by a plurality of
826                                            damage        insurance      companies.
                                               SOLUTION: When a request for
                                               creating an estimate of damage
                                               insurance comes to a back-office
                                               side system 200 from an business
      Method and apparatus for explaining The invention comprises a method
      credit scores                            and apparatus for explaining credit
                                               scores, for example in connection
                                               with a credit score explanation
827                                            service, in which consumers can
                                               identify the sources of information
                                               used to establish their credit score,
                                               supply their credit report and credit
                                               score information in connection with
      Method and system for insuring the A method is disclosed for insuring the
      future value of real property           future value of real property (defined
                                              as real estate property) and a means
                                              to do so which creates a quantitative
828                                           risk profile and premium value that
                                              allows insurance companies the
                                              opportunity to price the cost and risk
                                              offering this type of insurance product
                                              entails. The insurance is offered once
      Integrated home inspection and This invention is directed to the
      home warranty system                    automated generation of a home
                                              inspection report according to home
                                              inspection information gathered from
829                                           a home inspector during the
                                              inspection of a home. Also, this
                                              invention     is   directed    to   the
                                              subsequent creation of a home
                                              warranty insurance policy created
      System and method for rendering An apparatus and method is provided
      automated      real     property  title for rendering title decisions on an
      decisions                               expedited basis. In light of empirical
                                              data showing a correlation between
830                                           negative financial information (e.g.,
                                              credit delinquencies) of a property
                                              owner/borrower         and     potential
                                              encumbrances on title to real estate
                                              owned by the property
      Method of administrating insurance A method of administrating a builders
      coverage for multi tasks building risk insurance program with a
      projects                                computer system wherein builders
                                              may initiate coverage for individual
831                                           building projects as they are begun
                                              from remote terminals by entering
                                              data on each project into the
                                              computer       system     which    then
                                              computes and displays premium
      Method for intergrating insurance A means for electronically quoting,
      quotation, payment and issuance to taking an application for, making
      mortgage loan origination process       payment for, and issuing flood,
                                              homeowners and other hazard
832                                           insurance as an integrated part of the
                                              loan origination process by utilizing
                                              electronic communication protocols
                                              to send and retrieve data from
                                              disparate databases, database
      Asset monetization                      Methods, systems, and articles of
                                              manufacture for monetizing an asset
                                              having a long-term value. At least a
                                              portion of the long-term value of the
833                                           asset is accounted for as capital on a
                                              capital account of a financial
                                              institution for a period of time. An
                                              income is distributed to an owner of
                                              the asset during the period of time
      ASSET MANAGEMENT DEVICE,                    The evaluation period (from c,
      ASSET MANAGEMENT METHOD,                 through k, to n) from a past c to a
      AND   ASSET  MANAGEMENT                  future n of a facility that is an object
      CONSIGNMENT     CONTRACT                 of asset management is determined.
834   METHOD                                   A business management evaluation
                                               coefficient X for the determined
                                               evaluation period composed of the
                                               sum of the past profits Pi’
                                               (i=c to k-1) + the sum of the future
      Risk     management  information         A graphical and interactive interface
      interface system and associated          system manages risk management
      methods                                  information. A secure database
                                               stores risk management information
835                                            that is accessible by authorized
                                               access through a network. A
                                               graphics interface generates graphic
                                               data of the risk management
                                               information in response to the
      System and method for facilitating       A system, for facilitating the
      the determination of property and        determination of         property and
      casualty insurance rates                 casualty      insurance      rates,    is
                                               accessible by users as a desktop
836                                            application or across a computer
                                               network, such as via a web site on
                                               the Internet. Each user can provide
                                               ratemaking data, in any flat-file
                                               format, to a computer or computer
      Method and system for locating,          A method of selecting, acquiring,
      acquiring, financing and insuring        financing and insuring property with
      property                                 the assistance of an organization
                                               includes a customer communicating
837                                            with the organization for assistance in
                                               selecting a property item. The
                                               customer further communicates with
                                               the organization for being financed
                                               for the property item by the
      System for the acquisition of            The invention herein generally
      technology risk mitigation information   pertains to underwriting an insurance
      associated with insurance                policy utilizing sensors to detect,
                                               determine, measure and assess one
838                                            or more conditions, states of affairs,
                                               physical properties and process as
                                               each relates an insurable property
                                               interest. More specifically is disclosed
                                               a method and computerized system
      System for reducing the risk             A method and computerized system
      associated with an insured building      is disclosed for managing the
      structure through the incorporation of   underwriting, quoting and binding an
      selected technologies                    insurance policy with regard to the
839                                            technology used to militate against
                                               the financial consequences of
                                               property losses. The invention utilizes
                                               a classifier for categorizing and
                                               weighing risk, composed of data
      Method for producing, selling, and      A system and method for compliance
      delivering data required by mortgage    with flood insurance monitoring
      lenders and servicers to comply with    requirements comprises a central
      flood       insurance      monitoring   computer system containing a
840   requirements                            database of essentially all properties
                                              affected by map changes, including
                                              any official action undertaken by or
                                              on behalf        of FEMA in its
                                              administration of the National Flood
      Method, system and computer-            A method, computer system and
      readable medium useful for financial    computer- readable medium for
      evaluation of risk                      evaluating a risk to the financial value
                                              of a property or an aspect of property
841                                           is provided. The risk evaluations of a
                                              threat or threats and are integrated
                                              with estimates of the potential extent
                                              of damages in light of certain
                                              characteristics of the property. A
      PROGRAM, METHOD AND DEVICE                PROBLEM TO BE SOLVED: To
      FOR COLLECTING DATA FOR                 enable an insurance company to
      DAMAGE SECURITY PROCESSING              collect data necessary for damage
                                              insurance processing in an integrated
842                                           form. SOLUTION: The device is
                                              provided with functions 202 and 220
                                              of promoting input of information
                                              which includes information on an
                                              insurance contractor and an object to
      System, method and apparatus to         The present invention provides a
      manage      infrastructure asset        system, method and apparatus for
      information                             managing an infrastructure by
                                              providing a database, processing one
843                                           or more user requests to display or
                                              report information stored in the
                                              database and updating the database
                                              as assets or asset related items are
                                              procured, implemented, changed or
      Method     for   insolvency   claims    A method and system of utilizing an
      resolution                              insuring     or     other     financially
                                              responsible party to pay claims to
                                              creditors in an insolvency proceeding
844                                           aligns the financial incentives of
                                              creditors with the financial incentives
                                              of those funding and resolving
                                              claims. The present invention shifts
                                              the risk of administration of the
      Rapid business support of insured       A method of providing rapid business
      property using image analysis           support of insured property using
                                              image analysis can include the step
                                              of receiving at least one digital image
845                                           of damaged property. Damage can
                                              be automatically accessed for
                                              insurance purposes based upon the
                                              received     images.      An     incident
                                              response can be automatically
      Weather insurance/derivative pricing A model and method for pricing,
      model and method of generating procuring, negotiating or transferring
      same                                 weather insurance policies, contracts
                                           and derivatives. The model includes
846                                        bilateral or multilateral pricing and
                                           transfer of weather risk and is
                                           comprised      of     weather      data
                                           transformed utilizing extraction of
                                           historical weather data, including
      insurance for a security             A method for insuring a security
                                           comprises the steps of obtaining a
                                           security and purchasing an insurance
                                           policy for insuring against a change
847                                        in the value of the security. A system
                                           for insuring a security is also
                                           disclosed.


      METHOD AND SYSTEM FOR                  PROBLEM TO BE SOLVED: To
      STOPPING insurance CONTRACT            provide a method and a system for
      RELATED TO DAMAGE insurance            stopping insurance contracts that
      TAILORED   TO    TENANT  OF            allows automatically stopping, upon
848   RENTAL BUILDING                        the expiration of a rental contract,
                                             associated damage insurance such
                                             as fire insurance tailored to tenants
                                             of rental buildings, and reliably and
                                             securely operating such a process.
      Reverse purchase property transfer     A method of selling real property and
      transaction    and  method      of     a financial transaction are disclosed.
      administering same                     The financial transaction comprises a
                                             contract for the sale of real property
849                                          in installments over a discrete time
                                             period where the transfer of
                                             possession and title from Seller to
                                             Buyer does not occur until at least
                                             completion of all payments. The
      A     COMPUTER-IMPLEMENTED             According to one aspect of the
      SYSTEM AND METHOD FOR                  present invention, a computer-
      FACILITATING REAL   ESTATE             implemented system is provided for
      TRANSACTIONS REGARDING AN              facilitating a real estate transaction
850   INCOME-PRODUCING PROPERTY              regarding      an     income-producing
                                             property including at least one tenant
                                             expected to pay rent to the party an
                                             income-producing property including
                                             at least one tenant paying rent to the
      System and method for facilitating     A system for facilitating interaction
      interaction with a financial service   with an insurance service includes a
                                             processor unit for executing program
                                             instructions, a memory for storing the
851                                          program       instructions,     and    a
                                             communication           interface    for
                                             interacting with a user. The system
                                             further includes interface logic for
                                             providing a graphical interface
      System and method for conducting The present invention is a method
      the closing of a real estate sale over and system for closing a real estate
      a computerized network                 sale over a computerized network.
                                             More     particularly,   the    present
852                                          invention enables the parties to a
                                             pending real estate sale to enter
                                             closing instructions into the system
                                             via the Internet and provides for
                                             electronic processing of the closing
      RENTAL AGREEMENT insurance PROBLEM TO BE SOLVED: To
      SYSTEM                                 provide a new rental agreement
                                             insurance system for satisfying
                                             demands of both a lessor and a
853                                          lessee in a rental agreement
                                             conventionally     accompanying        a
                                             deposit wherein the lessee wants to
                                             minimize the financial load at an
                                             agreement and the lessor wants to
      METHOD AND SYSTEM FOR A system and method for creating
      CREATING          INDEX      VALUES index        values      supporting     the
      SUPPORTING THE SETTLEMENT settlement of property risk transfer
      OF RISK TRANSFER CONTRACTS contracts. The system accepts as
854                                          input exposure and claim transaction
                                             records obtained from a selected
                                             group     of     property     insurance
                                             companies, demographic data, and
                                             geographic data describing the
      GUARANTEE                 JUDGMENT PROBLEM TO BE SOLVED: To
      SUPPORT            SYSTEM         AND provide a system for supporting the
      GUARANTEE                 JUDGMENT judgment of guarantee or guarantee
      SUPPORT PERFORMING METHOD insurance.                    SOLUTION:          The
855                                          guarantee judgment support system
                                             is provided with a judgment DB
                                             storing a first guarantee limit amount
                                             as the whole guarantee of guarantee
                                             applicants and a second guarantee
      Computer system for exchanging The invention relates to a computer
      insurance information related to a program embodied in a machine
      loan on a property                     readable device for communicating
                                             mortgage guaranty insurance related
856                                          information to a user in connection
                                             with a loan for a real property to be
                                             made by a lender to a borrower,
                                             wherein an insurance policy has been
                                             issued to the lender to cover a
      Method for applying insurance to a The invention is directed to a method
      loan for real property                 for applying mortgage guaranty
                                             insurance to a loan for a real property
                                             to be made by a lender to a borrower,
857                                          which includes covering the lender
                                             for a loss arising from a default on
                                             the loan, independently of the reason
                                             for the default, wherein the coverage
                                             provides a separate monetary limit
      RESPA       COMPLIANT         TITLE An automated system for producing
      insurance COMMITMENT SYSTEM a title insurance commitment can
                                           include a database of title evidence
                                           images which can be viewed through
858                                        an image viewer. As required by
                                           RESPA, a title insurance examiner
                                           can produce a title insurance
                                           commitment based upon a review of
                                           the title insurance evidence
      DELINQUENT         POLICYHOLDER PURPOSE: To surely eliminate a
      ELIMINATING SYSTEM                   delinquent policyholder by providing a
                                           check field in the registration format
                                           of customer information such as the
859                                        name of a traveler, etc., managed by
                                           a computer for travel job, and
                                           checking the delinquent policy holder
                                           at the stage of proposal of the
                                           insurance by the computer.
      insurance               CONTRACT PROBLEM TO BE SOLVED: To
      PROCESSOR,                insurance provide an insurance contract
      CONTRACT             PROCESSING processor            for    providing     travel
      METHOD AND PROGRAM                   insurance according to a credit card
860                                        held by a traveler. SOLUTION: The
                                           insurance contract processor 20 for
                                           processing a contract of the travel
                                           insurance is provided with a travel
                                           insurance database 250 for storing
      System and method for generating A system and method for providing a
      and executing insurance policies for foreign exchange insurance policy
      foreign exchange losses              that automatically considers factors
                                           such as the type of currency,
861                                        exchange rate, amount of coverage,
                                           and period of coverage, to determine
                                           a premium. Users can access the
                                           system using credit cards, ATMs,
                                           banks or other media.
      Method and apparatus for point-of- A software package is provided for
      sale purchasing                      monitoring data entered into a travel
                                           reservation booking software. Upon
                                           detection of a predetermined data
862                                        entry      sequence,       the    software
                                           package launches a routine to
                                           remind the agent to inquire as to
                                           whether the traveler wishes to
                                           purchase travel insurance. If travel
      TRAVELING                 insurance PROBLEM TO BE SOLVED: To
      SUBSCRIPTION        SYSTEM       BY provide       a     traveling    insurance
      CELLULAR PHONE AND SERVER subscription system by a portable
      OF insurance COMPANY TO BE telephone                     considering         the
863   USED BY THE SAME SYSTEM              convenience of the access and input
                                           of a customer. SOLUTION: In this
                                           traveling     insurance       subscription
                                           system, a server 50 of an insurance
                                           company is provided with a media
      Computer system and method for A computerized system and method
      work management                        for managing work in process is
                                             provided. An initial transaction
                                             records case specific information.
864                                          The case specific information is
                                             automatically linked with a work
                                             source index which includes basic
                                             client information. An electronic file is
                                             created for each case arising out of
      Computer system and methods for An automated system and method of
      supporting                 workers' computing rates to be charged for
      compensation/employers       liability insurance coverage equivalent to that
      insurance                              provided by a standard workers'
865                                          compensation        policy    includes
                                             coordinating         a        workers'
                                             compensation insurance policy with
                                             an employers liability insurance policy
                                             to provide the coverage of a standard
      Method     and    apparatus      that A digital computer produces data
      processes financial data relating to corresponding to results of different
      wealth accumulation plans              financial plans. Contribution data
                                             corresponding to contributions to an
866                                          account created under the plan are
                                             entered into the digital computer. The
                                             digital computer produces data
                                             representing after tax cost of interest
                                             for cash value loan amounts
     Patent/Publication No.         Assignee / Applicant

JP2005321971A                 FUJI PHOTO FILM CO LTD




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JP2002245217A    TOKIO   MARINE         &      FIRE
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JP2002259701A    HITACHI   LTD      |       ZUERICH
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JP2003030424A    AIOI INSURANCE CO LTD | NRI &
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US6604080B1   B & S UNDERWRITERS INC




US5991744A    GARY    P     DICRESCE   &
              ASSOCIATES
       Priority Year(s)          Publication Year

2004                      2005




1992                      1994




1994                      1995




1994                      1996




1996                      1998
1997   1999




1997   1999




1995   2002




1997   1998




1997   1999




1996   2001
1999   2000




2000   2001




2000   2002




2000   2002




2000   2002




2000   2002
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2001   2002
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1999   2003
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2002   2004
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2002   2004
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2002   2004
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2000   2004




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2004   2006
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2004   2006




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2005   2006
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2004   2005




1999   2005




2002   2006




2004   2005




2004   2005
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2004   2006




2004   2006




2004   2006




2000   2002




2002   2004
2002   2004




1997   1999




1998   2000




1999   2001




2000   2002




2001   2002
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2002   2004




2002   2004




1998   2001




1999   2000




2000   2002
2000   2001




2000   2002




2002   2005




2004   2005




2004   2006




2004   2006
1999   2001




2002   2005




2000   2002




1990   1991




1991   1993




1991   1993
1992   1996




1992   1998




1993   1996




1993   1995




1993   1999




1995   1998
1995   1996




1996   1997




1996   1999




1996   1998




1991   2004




1996   1997
1996   1997




1997   2000




1997   2000




1997   2002




1997   1999




1997   1999
1996   1998




1995   2000




1997   1999




1993   1998




1996   1998




1998   1999
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1996   1999




1997   1999




1998   2002




1997   1999




1999   2006
1998   1999




1998   1999




1999   2002




1994   2001




1998   2000




1999   2001
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1998   2000




1999   2005




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2000   2001
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2001   2002
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2001   2002




2000   2002




2000   2001




2001   2002




2001   2002
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2001   2002




2001   2003




2001   2003




2000   2002




2001   2003
2001   2003




2001   2003




2001   2003




2001   2003




2001   2003




2000   2002
2000   2003




2001   2004




2000   2002




2001   2002




2001   2003




2000   2002
2000   2002




2000   2002




2001   2003




2000   2002




2001   2003




2000   2002
2001   2003




2001   2003




2001   2003




2001   2003




2001   2003




2001   2002
2000   2002




2000   2002




2001   2006




2001   2003




2001   2003




2000   2002
1999   2002




2000   2002




2000   2002




2000   2002




2001   2003




2001   2003
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2000   2002




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2002   2003




2002   2003
2001   2002




2002   2003




2002   2003




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2001   2003




2001   2003
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2002   2004




2002   2004




2002   2004




1999   2002




2002   2004
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2002   2004




2002   2004




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2002   2004




2001   2003
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2002   2004




2002   2004




2002   2004




2002   2004




2001   2003
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2002   2004
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2002   2003
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2002   2004
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2004   2005
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1999   2005




2004   2005




2002   2006




2004   2005




2004   2006
2004   2006




2004   2006




2004   2006




2004   2006




2004   2006




2004   2006
2005   2006




2004   2006




1990   1993




1991   1992




1992   1993




1994   1996
1993   1995




1994   1998




1995   1997




1996   2000




1996   1999




1997   2000
1998   2001




1999   2002




1999   2004




1999   2000




1999   2001




1999   2001
2000   2002




2000   2002




2000   2002




2000   2006




2000   2002




2001   2002
2000   2001




2001   2002




2001   2002




2001   2003




2000   2002




2000   2002
2000   2002




2000   2002




2000   2003




2000   2002




1999   2002




1995   2002
2002   2003




2002   2003




2001   2002




2002   2003




2001   2002




2002   2004
2001   2004




2002   2003




2002   2003




2003   2004




2003   2004




2003   2005
2003   2005




2003   2005




2004   2005




2003   2004




2003   2005




2004   2006
1999   2005




2005   2006




2005   2006




2005   2006




2004   2005




2004   2005
2004   2005




2004   2005




2004   2006




2005   2006




2000   2001




2001   2003
1997   2000




2000   2001




2000   2002




2004   2006




1991   1992




1997   2000
1999   2003




2000   2001




2001   2005




2001   2003




2000   2002




2002   2003
2003   2005




2004   2005




2005   2006




2001   2003




1998   2000




2000   2001
2000   2002




2001   2002




2001   2002




1984   1991




1990   1993




1991   1997
1991   1992




1992   1994




1993   1995




1994   1999




1994   1995




1992   1997
1990   2003




1994   1998




1995   1999




1993   2000




1995   1998




1993   2000
1995   2001




1995   1998




1995   1999




1996   1998




1996   1999




1995   1999
1996   2000




1996   1999




1994   2000




1997   1999




1997   2000




1997   2005
1997   1999




1997   2000




1998   1999




1998   1998




1998   2002




1998   2001
1998   2001




1998   2002




1998   2003




1999   2002




1997   2003




1999   2001
1999   2002




1999   2001




1999   2006




1999   2001




1999   2001




1999   2001
1999   2003




2000   2001




2000   2001




2000   2001




2000   2001




2000   2001
2000   2001




2000   2002




1999   2002




2000   2002




2000   2006




2000   2002
2000   2002




2000   2002




2000   2002




1999   2003




2000   2002




2000   2002
1999   2001




2000   2002




2000   2002




2000   2001




1999   2002




2000   2002
2000   2002




2000   2002




2000   2003




2001   2002




2001   2002




2001   2002
2001   2002




2001   2002




2000   2002




2000   2001




2000   2001




2001   2002
2001   2002




2001   2002




2001   2002




2000   2001




2000   2002




2000   2002
2000   2001




2001   2002




2001   2006




2001   2002




2000   2001




2000   2002
2000   2002




2001   2002




2001   2002




2000   2002




2000   2002




2001   2003
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2001   2003




2001   2003
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1999   2002




2001   2003




2001   2003




2000   2003




2000   2002
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2002   2003




2001   2003




2001   2002




2001   2002
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2002   2003




2002   2003




2001   2002




2001   2003




2002   2003
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2002   2003




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2002   2003




2002   2004




2002   2003
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2002   2003




2002   2004




2002   2004




2002   2004




2001   2003
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2002   2004




2001   2003




2002   2004
2002   2004




2002   2004




2003   2004




2003   2004




2002   2003




2003   2004
2003   2004




2003   2004




2003   2004




2002   2004




2003   2004




2003   2004
2003   2004




2003   2004




2002   2004




2003   2005




2003   2005




2003   2005
2003   2005




2003   2004




2000   2004




2003   2005




2003   2005




2003   2005
2003   2005




2000   2004




2003   2004




2002   2004




2003   2005




2002   2004
2003   2005




2004   2005




2004   2005




2003   2004




2003   2004




2001   2005
2004   2005




2004   2005




2004   2005




2003   2004




2004   2005




2003   2005
2004   2006




2003   2005




2003   2005




2003   2005




2004   2006




2003   2005
2004   2005




2004   2006




2004   2006




2005   2006




2004   2005




2005   2006
2004   2005




2004   2006




2004   2005




2004   2005




2005   2006




2004   2005
2004   2005




2004   2006




2002   2005




2004   2005




2004   2005




2004   2005
2004   2005




2004   2005




2004   2006




2004   2006




2004   2006




2004   2006
2004   2006




2004   2006




2005   2006




2005   2006




2005   2006




2005   2006
2005   2006




1987   1998




1999   2005




2001   2003




2000   2004




2004   2006
2000   2001




1995   1998




2001   2002




2001   2003




2003   2005




1996   2000
1999   2000




2000   2006




2003   2004




2002   2004




2003   2005




2003   2005
2003   2005




2003   2005




2000   2006




2001   2004




2000   2002




1998   2000
2000   2001




1999   2001




2000   2002




2000   2002




1998   2004




1999   2002
2000   2002




2000   2002




2000   2002




2000   2002




2002   2003




2001   2003
2001   2003




2001   2003




2002   2004




2002   2005




2002   2004




2003   2004
2002   2003




2002   2005




2002   2004




2002   2004




2003   2005




2003   2005
2003   2005




2003   2005




2002   2004




2003   2004




2000   2004




2004   2005
2001   2004




2004   2005




2004   2006




2004   2006




2004   2005




2001   2002
2000   2006




2001   2003




1997   1999




2000   2001




2002   2004




2002   2004
2003   2005




1992   1994




2001   2003




1996   1999




2003   2004




2004   2006
1990   1992




1991   2003




1997   1999
       Application Date               IPC Classes

20040507                  G06F01760      |   H04B00726   |
                          H04M01100




19921022                  G06F01521




19940301                  G06F01760     |  G06F01200     |
                          G06F01900 | G06F01740




19940323                  G06F01760




19960129                  G06F01760
19970721   G06F01530




19971201   B60Q00126




19971201   G06Q01000 | G08G001123




19980313   H04N00718 | G08B02300




19980625   G06F01760




19991028   G06F01700
20000519   G06F01900




20000612   G06F01760 | G06F01730




20000710   G06F01760




20000922   G06F01760 | G06F01900




20001027   G06F01900 | G06F01760




20001228   G06F01760    |   A63F01312   |
           G09B00905
20010126   G06F01760




20010205   G06F01760




20010329   G06F01760




20010511   G06F01760




20010529   G06F01760




20010613   G07C00900 | B67D00514
20010705   G06F01760




20010718   G06F01760




20010822   G06F01760




20011009   G06F00700




20020117   G06F01900




20020124   G06F01760
20020128   G01C02100




20020130   G06F01760




20020213   G06F01760




20020807   G06F01760




20020813   G08B02508    |    B60R02100   |
           G06F01760    |    G08B02510   |
           G08G00113     |   H04B00726   |
           H04M01104




20020911   G06F01760 | G06F01900
20021029   G06F01760




20021029   G06F01760   |   G06F00100   |
           G06F01214




20021122   G06F01760   |   G01C02100   |
           G08G0010969




20021127   G06F01760




20021127   G06F01760




20021127   G06F01760
20021127   G06F01760




20021127   G06F01760




20021127   G06F01760




20021127   G06F01760




20021127   G06F01760




20021127   G06F01760
20021210   G06F01760




20021217   B60R02101    |        G06Q03000    |
           G06Q04000     |       G07C00500    |
           G07C00508




20030131   G01C02100    |        G06F01760    |
           G08G001137        |   G09B02900    |
           G09B02910




20030217   B42D01100    |        B42D01510    |
           G06F01760




20030612   G08B02300    |        G08B01710    |
           B60R02510    |        B60Q00100    |
           G01N01910




20030805   H04N007173    |       H04N005232   |
           H04N00576
20030930   B60Q00100   |   G08G00101    |
           G06F01700




20031021   G06F01760   |   G06F01700    |
           G06G00700




20040301   G06F01760




20040510   G07C00500     |  G07C00900   |
           G08G001123 | G07B01500




20040618   G06Q04000




20040804   G06Q04000
20040811   H04B00138




20040922   B60R02504




20041015   G06F01760




20041029   G06Q04000




20041112   ..IPCC:




20050201   G06Q04000
20050208   G06F01760




20050224   G06F01760




20050304   G06F01760




20050426   G06Q09900




20050512   G07C00500   |   G07C00508   |
           G08G00101




20050609   G06F01900
20050616   G06Q04000




20050809   G06Q04000




20050809   B62D00600    |   G06F01900   |
           G06K01907




20051028   G06Q04000




20000914   G06F01760 | G06F01900




20020909   G06F01760
20030704   G06F01760




19970210   G06F01760 | G06F15700




19980609   G06F01700




20001013   G08G001127




20001013   G06F01760 | G06F01900




20010327   G06F01760
20020422   G06F01760




20021127   G06F01760




20030418   G06F01760




19980107   G05F01760




20000421   G06F01760




20000906   G06F01760
20010227   G06F01900    |   G06Q04000   |
           H04N00710 | H04N00762




20010607   G06F01760




20041220   G06F01760




20050527   G06F01760




20051024   G06Q04000




20051026   G06Q04000
19990914   G06F01760 | G06F01300




20031015   G06F01760




20000728   G06F01700




19910603   G09F01900 | G09G00500




19910626   G06F01900    |   G06Q01000   |
           G06Q04000




19911126   G07G00100 | G06F01530
19921027   G06F00314




19921217   G06F01500




19930917   G06F15700




19940622   G06F01730




19951109   G06F01760




19951208   G06F01760 | G06F01740
19960202   G06F01760   |   G06F15700   |
           G07F01900




19960328   G06F01900   |   A61C01900   |
           G06F01760




19960531   G06F01900




19960624   G06F01900




19960625   G06F01760




19970418   G06F01760
19970430   G06F01760 | G06G00752




19970701   G06F01760




19970728   G06F01760




19970731   G06F01760




19970909   G06F01530 | G06F01700




19970910   G06F01760
19970922   G06F000




19971017   G06F01760




19971030   G06F01900 | G06Q03000




19971117   G07F01726 | G07F01900




19971211   G07F01900




19980428   G06F01760
19980825   G06F01760




19980918   G06F01700




19981112   G07F01900   |    G06Q05000   |
           G06Q04000    |   G07F00710   |
           B65G06100   |    G06F01214   |
           G06F02124   |    G07F00708   |
           G06F00100   |    G07F00712   |
           G06F02100   |    G06Q02000   |
           G06Q03000


19981123   G06F01760




19981222   G06F01760   |    G06F01546   |
           G06K00500




19990429   G06F01760
19990520   G07F01900 | G06F01760




19990618   B32B03100    |   B60R02504   |
           B67D00504     |  F17D00108   |
           G05B02302 | H04M01100




19990730   G06F01760




19990820   G06Q04000




19990908   G06F01760 | B42D01100




19991012   G06F01760
19991216   G06F01760




19991223   G06F01760




20000118   G06F01760




20000124   G06F01760 | G06F01730




20000125   G06F01300 | G06F01730




20000218   B42D01100 | G06F01900
20000223   G06F01760




20000225   H04K000




20000228   G06F01300 | G06F01760




20000229   G06F01760




20000302   G06F01760




20000313   G06F01760
20000316   G06F01900




20000322   G07C00508 | G07F00708




20000331   G06F01760 | G06F00300




20000406   G06F01750




20000419   G06F01760




20000426   G06F01760     |  E04G02300   |
           G06F01730 | G06F01900
20000512   G06F00100    |   G06F02100   |
           G06Q02000 | G06Q03000




20000519   G06F01760




20000519   G06F01900




20000522   G06F01760




20000522   G06F01760




20000602   G06F01760   |   G06F01300    |
           G06F01730   |   G06F01900    |
           H04Q00738
20000602   G06F01760    |   B42D01500   |
           G06F01900




20000607   G06F01760




20000609   G06F01760 | G06F01700




20000615   G06F01760




20000623   G06F01760




20000623   G06F01760
20000703   G06F01760 | G06F01900




20000717   G06F01760




20000718   G06F01760




20000724   G07F01900 | G06F01760




20000728   G06F01760




20000810   G06F01760    |   B42D01510   |
           G06K01700 | G06K01900
20000822   G06F01760    |   G06F01500   |
           G07D00900 | G07F01900




20000828   G06F01760 | G06F00100




20000831   G06F01760




20000906   G06F01760




20000907   G06F01760




20000908   G06F01760 | G07F01900
20000911   G06F01760




20000922   G06F01760




20000927   G06F01760




20000928   G06F01760 | G06F01740




20000929   G06F00944




20000929   G06F01760
20000929   H04K00100




20001020   G06F01760




20001020   G06F01760 | G06K00918




20001024   G06F01760




20001026   G06F01760




20001031   G06F01760
20001101   G06F01730




20001101   G06F01760




20001102   G06F01760




20001102   G06F01760




20001109   G06F01760




20001110   G06F01760 | G06F01900
20001127   G06F01760




20001130   G06F01760




20001201   G06F01760




20001207   G06F01760 | G07D00900




20001207   G06F01760




20001207   G06F01760
20001208   G06F01760




20001213   G06F01760




20001214   G06F01760




20001218   G06F01760




20001218   G06F01760




20001218   G06F01760
20001226   G06F01760




20001228   G06F01760




20010105   G06F01760




20010110   G06F01760




20010112   G06F01760




20010116   G06F01760   |   H04L00900   |
           H04K00100
20010118   G06F01760




20010126   G06F01760




20010130   G06F01760




20010130   G06F01760 | G06F01900




20010201   G06F01760




20010201   G06F01760
20010205   @70 000 0/00 A




20010216   G06F01760




20010221   G06F01760    |   G06F01900   |
           G07F00900




20010227   G06F01760




20010227   G06F01760




20010228   G06F01760 | G06F01730
20010302   G06F01760




20010305   G06F01760




20010306   G06F01760




20010309   G06F01760




20010309   G06F01760




20010309   G06F01760
20010316   G06F01760




20010322   G06F01760




20010322   G06F01760




20010323   G06F01760




20010326   G06F01760




20010328   G06F01760
20010329   G06F01760




20010329   G06F01760




20010329   G06F01760 | G06F01730




20010329   G06F01760




20010330   G06F01760




20010330   G06F01760
20010402   G06F01760




20010409   G06F01760




20010411   G06F01760




20010420   G06F01760




20010501   G06F01760   |   G06K01700   |
           B42D01100




20010501   G06F01760
20010509   G06F01760




20010521   G06F01760




20010521   G06F01760




20010601   G06F01760




20010601   G06F01760




20010613   G06F01760
20010618   G06F01760




20010620   G06F01760




20010629   G06F01760




20010629   G06F01760




20010629   G06F01760




20010705   G06F01760
20010706   G06F01760




20010710   G06F01760




20010717   G06F01760




20010719   G06F01760




20010720   G06F01760




20010727   G06F01760
20010801   G06F01760




20010807   G06F01760




20010809   G06F01760




20010810   G06F01760




20010810   G06F01760




20010814   G06F01760
20010815   G06F01760




20010817   G06F01760




20010821   G06F01760




20010821   G06F01760




20010823   G06F01760




20010828   G06F01760   |   G06F01900   |
           G06F15100
20010903   G06F01760




20010905   G06F01760 | G06F01900




20010907   G06F01760




20010912   G06F01760




20010912   G06F01760




20010913   G06F01900 | G06Q04000
20010920   G06F000




20010924   G06F01700




20010926   G06F01700




20010927   G06F01760




20010928   G06F01760




20011009   G06F01760
20011010   G06Q01000 | G06Q04000




20011012   G06F01760




20011017   G06F01300




20011018   H04L000




20011023   G06F01500




20011029   G06F01760
20011030   G06F01760




20011106   G06F01760   |   B42D01100   |
           B42D01510




20011106   G06F01760




20011107   G06F01760




20011107   G06F01760




20011119   G06F01760
20011122   G06F01760




20011127   G06F01760




20011128   G06F01760




20011130   G06F01760




20011130   G06F01760




20011218   G06F01760
20011220   G06F01760




20011226   G06F01300   |   G06F01500   |
           G06F01760




20011228   G06F01760




20011228   G06F01760




20011228   G06F01760




20020109   G06F01760
20020109   G06F01760




20020114   G06F01760




20020118   G06F01760




20020131   G06F01760




20020214   G06F01760




20020218   G06F01760
20020220   G06F01760




20020225   G06F01760




20020322   G06F01760




20020327   G06F01760




20020328   G06F01760




20020329   G06F01760
20020412   G06F01760




20020415   G06F01760 | G06F01500




20020418   G06F01760




20020426   G06F01760




20020426   G06F01760




20020429   G06F01700 | G06F01760
20020513   G06F000




20020520   G06F01760




20020529   G06F01760




20020613   G06F01760




20020614   G06F01760   |   G06G00700   |
           G06F01518




20020618   G06F01760   |   G06G00700   |
           G06F01518
20020619   G06F01760




20020703   G06F01760




20020709   G06F01760




20020725   G06F01760 | G07D00900




20020726   G06F01760




20020801   G06F01760
20020809   G06F01760




20020830   G06F01760




20020904   G06F01760




20020910   G06F01760




20020913   G06F01760




20020916   G06F01760
20020926   G06F01760




20020926   G06F01760




20020927   G06F01760




20021010   G06F01760




20021024   G06F01760 | B65G06100




20021028   G06F01760
20021113   G06F01760




20021202   G06F01760




20021210   G06F000




20021210   G06F01760




20021212   G06F01760




20021213   G06F01760
20021213   G06F000




20021213   G06F01760




20021218   G06Q04000




20021223   G06F01760




20021227   G06F01760




20030129   G06F01760
20030131   G06F01760




20030204   G06F01760




20030219   G06F01760




20030303   G06F01760




20030306   G06F01760




20030312   G06F01760
20030318   G06F01760




20030318   G06F01760




20030319   G06F01760 | B42D01100




20030321   G06F01760




20030328   G06F01760     |  G06F00700   |
           G06F01700 | G06F01730




20030328   G06F01760
20030410   G06F01760 | G06F01900




20030509   G06F01760




20030515   G06F01760




20030519   G06F01760 | G06F01721




20030522   G06Q01000




20030610   G06F01760
20030618   G06Q01000




20030618   G06F01760




20030709   G06F01760




20030710   G06F01760




20030730   G06F01760




20030805   G06F01760
20030806   G06F01760




20030806   G06F01760




20030813   G06F01760




20030904   G06F01760




20030904   G06F01760




20030912   G06F01760
20030915   G06F01760




20030924   G06F01760 | G06F01500




20030930   G06F01760




20031002   G06F01760




20031006   G06F01760    |   H04L00900   |
           H04L00932    |   G06F01130   |
           G06F01214




20031007   G06F01760
20031015   G06F01760




20031016   G06F01760




20031027   G06F01760




20031030   G06F01760




20031105   G06F01760




20031106   G06F01760
20031114   G06F01760




20031117   G06F01760 | G06F01900




20031124   G06F01727 | G06F01730




20031127   G06F01760




20031201   G06F01760




20031208   G06F01760
20040105   G06F01760




20040130   H04K00100




20040211   G06F01760




20040220   G06F01760




20040304   G06F01760




20040308   G06F01760
20040312   G06F000




20040318   G06F000




20040319   G06F01760




20040322   G06F01760




20040330   G06F01760




20040401   G06F01760
20040401   G06F01760




20040402   G06F01760 | H04L00900




20040503   G06F01760




20040609   G06F01760




20040701   G06Q04000 | G06F01721




20040701   G06Q04000
20040709   G06F01760




20040716   G06Q04000 | G06Q05000




20040728   G06F01760




20040729   G06F01760




20040812   G06F01760




20040818   G06Q04000   |   G06Q03000   |
           G06Q05000
20040820   G06Q04000   |   G06Q03000   |
           G06Q05000




20040831   G06F01760




20040901   G06Q04000




20040908   G06Q04000




20040914   G06Q04000




20040928   G06Q04000
20041008   G06F01760




20041008   G06F01760




20041014   G06F01760




20041021   G06F01760




20041027   G06F000




20041029   G06F01760
20041101   G06F01760




20041103   G06F01760




20041104   None




20041105   G06F000




20041105   G06F01760




20041120   G06F01760
20041206   G06Q04000




20041206   G06F01760




20041215   H04L00932




20041217   G06K00500




20041228   G06F01760




20050107   G06Q04000
20050118   G06Q04000




20050211   G06Q01000 | G06Q05000




20050218   G06F01760




20050223   G06F01760




20050308   G06F01760




20050323   G06F01760
20050330   G06F01760




20050401   G06F01760




20050527   G06F01760




20050603   G06Q04000




20050610   G06Q03000




20050719   G06Q09900
20050719   G06F00940




20050727   G06Q04000




20050804   G06Q04000




20050825   G06Q04000




20051108   G06Q04000




20051221   G06Q03000
20060328   H04K00100




20040910   G06Q04000




19900118   G06F01542




19911002   G06F01542




19930503   G06F01900




19940331   G06F15700
19940718   G06F01760




19941207   G06C01760




19950109   G06F01700




19960111   G06F01900




19960430   B42D01500     |  G06F01530   |
           G06F00700 | G06F15900




19970415   G06F01760
19981218   G06F01760




19990517   G06F01760




19991104   G06F01760




20000428   G06F01760




20000714   G06F01900 | G06Q01000




20000801   G06F01760
20000929   G06F01760




20001128   G06F01760




20001129   G06F01900




20001226   G06Q03000




20010104   G06F01760




20010209   G06F01760
20010216   G06F01900




20010312   G06F01760




20010312   G06F01760   |   G06F01300   |
           H04Q00738




20010703   G06F01760




20010703   G06F01760




20010719   G06F01900
20010821   G06F01760




20010830   G06F01730




20011019   G06F00700




20011121   G06F01900    |  G06Q01000   |
           G06Q02000 | G06Q04000




20020204   G06F01760




20020205   G06F01760
20020222   G06F01760




20020415   G06F01760




20020416   G06F01730 | G06F01760




20020516   G06F01760




20020516   G06F000




20020621   G06F01760
20021211   G06F01760




20021226   G06F01760




20030408   G06F01900




20030529   G06F01760




20030529   G06F01760




20030812   G06Q01000
20030922   G06F01760




20031205   G06F01760




20040220   H04L00900




20040628   G06F01760




20040817   G06F01760




20041209   G06Q04000
20041220   G06F01760




20050103   G06F01730




20050114   G06Q04000 | A61B00500




20050128   G06Q01000 | A61B00500




20050304   G06F01760




20050512   G06F01760
20050602   G06F01760




20050613   G06Q04000




20050701   G06Q04000




20060127   G06Q04000




20001220   G06F01760




20010821   G06F01760
19971108   G06F01760




20010302   G06F01760




20011109   G06F01760




20040923   G06Q04000




19920224   G06F01530




19970221   A63F00924
19991018   G06F01760




20010419   G06F01760




20010712   G06F01760




20011017   G06F01760




20011212   G06F01760




20030418   G06F01760
20040907   G06F01760




20050106   G06F01760




20060401   G06Q04000




20010717   G06F01760 | G08B00500




19981022   G06F01760




20000523   G06F01760
20000707   G06F01760




20010222   G06F01760




20010531   G06F01760 | G06F01900




19870106   G06F01530




19900814   G06F01521




19910301   G06F01760
19920603   G06F01521




19920710   G06F01520




19930618   G06F01760 | G06F01900




19940228   G06F01760




19940228   G06F01700




19940318   G06F01900
19940610   G06F01760




19940902   G06F15700




19950424   G06F01760




19950908   G06F15700




19951011   G06F01760




19951121   G06F01760
19951218   G06F01760




19951221   G06F01900




19951226   G06F01760




19960116   G06F01760




19960507   G06F01760




19960829   G06F01760
19960909   G06F01760




19961024   G06F01700




19961219   G06F01900




19970107   G06F01760




19970321   G06F01760




19971029   G06F01900 | G06Q04000
19971215   G06F01760




19971229   G06F01900




19980101   G06F01760




19980326   G06F01760




19980826   G06F01760




19980826   G06F01760
19981006   G06F01760




19981016   G06K01760




19990312   G06F01760




19990312   G06F01760




19990319   G06F01760




19990628   G06F01760 | G06F01900
19990713   G06F01760




19990721   G06F01760




19990924   G06F01760




19990927   B42D01100




19991025   G06F01760




19991130   G06F01760 | G06F01900
19991201   G06F01760




20000114   G06F01760 | G06F01900




20000203   G06F01760 | G06F01700




20000208   G06F01760




20000502   G06F01760 | G06F01900




20000524   G06F01760
20000607   G06F01760 | G06F01900




20000630   B42D01100




20000717   G06F01760




20000719   G06F01760 | G06T00720




20000725   G06F01760




20000810   G06F01760
20000811   G06F01760




20000823   G06F01760    |   G06F01200   |
           G06F01730




20000921   G08B02500    |   G06F01760   |
           G08B02504




20000926   G06F01760 | G07F00710




20001006   G06F01760




20001013   G06F01760
20001019   G06F01760




20001024   G06F01760




20001026   G06F01760




20001220   G06F01760




20001222   G06F01760




20001222   G06F01760
20001227   G06F01760




20001228   G06F01760




20010102   G06F01760




20010105   G06F01760




20010110   G06F01760




20010124   G06F01760
20010126   G06F01760




20010201   G06F01760




20010202   G06F01760




20010209   G06F01760




20010209   G06F01760




20010227   G06F01760
20010302   G06F01760




20010308   G06F01760




20010319   G06F01760




20010326   G06F000




20010328   G06F01760




20010403   G06F01760
20010403   G06F01760




20010404   G06F01760




20010430   G06Q04000




20010504   G06F01760




20010510   G06F01760




20010531   G06F01760
20010604   G06F01760




20010606   G06F01760




20010608   G06F01760




20010626   G06F01760




20010626   G06F01760




20010724   G06F01760
20010727   G06F01760




20010810   G06F01760




20010824   G06F01760




20010824   G06F01760




20010925   G06F01760




20011002   G06F01760
20011023   G06F01760 | G06F01500




20011025   G06F01760




20011027   G06F01760




20011105   G06F01760




20011107   G06F01760




20011109   G06F01760
20011206   G06F01730




20011221   G06F01760




20020115   G06F01760




20020117   G06F01760




20020123   G06F01760




20020221   G06F01760
20020228   G06F01760




20020305   G06F01760




20020311   G06F01760




20020313   G06F01760




20020320   G06F01760




20020322   G06F01760
20020328   G06Q04000




20020410   G06F01760




20020503   G06F01760 | G09G00500




20020510   G06F01760




20020604   G06F01760




20020618   G06F01760
20020624   H04M01100 | G06F01760




20020625   G06F01760




20020715   G06F01760




20020723   G06F01760




20020730   G06F01760




20020814   G06F01760
20020920   G06F01760




20020923   G06F01760




20020926   G06F01760




20021018   G06F01760




20021019   G06F01760




20021025   G06F01760
20021101   G06F01760




20021213   G06F01760




20030220   G06F01760




20030307   G06F01760




20030308   G06F01760




20030311   G06F01760 | B42D01100
20030321   G06F01760




20030327   G06F01760 | B42D01100




20030328   G06F01760




20030401   G06F01760




20030409   G06F01760




20030414   G06F01760
20030509   G06F01760




20030522   G06F01760




20030625   G06F01760




20030710   G06F01760




20030717   A61B005024   |   A61B005113   |
           A61B005117




20030807   G06F01760
20030807   G06F01760




20030814   G06F01760




20030815   G06F01760




20030905   G06F01760




20030905   G06F01760




20031002   G06F01760
20031002   G06F01760




20031015   G06F01760




20031022   G06F01760




20031030   G06F01760




20031217   G06F01760




20031219   G06F01760
20031222   G06F01760




20040126   G06F01760




20040227   G06F01760




20040303   G06F01760




20040323   G06F01760




20040404   G06F01760
20040430   G06F01760




20040430   G06F01760




20040521   G09B01900 | G09B01918




20040527   G06F01760




20040528   G06F01760




20040604   G06F01760
20040721   G06Q04000




20040813   G06F000




20040827   G06Q04000




20040930   G06F01760




20040930   G06Q04000 | G06Q01000




20041012   G06F01760
20041015   G06F01760




20041021   G06Q04000




20041118   G06Q04000




20050105   G06Q04000




20050106   G06F01760




20050207   G06Q04000
20050207   G06F01760




20050208   G06Q04000 | G06Q09900




20050218   G06F01760




20050223   G06F01760




20050228   G06Q02000 | G06Q04000




20050301   G06F01760
20050308   G06F01760




20050309   G06Q04000




20050331   G06F01760




20050401   G06F01760




20050404   G06F01760




20050415   G06F01760
20050510   G06F01760




20050601   G06F01760




20050614   G06Q04000




20050621   G06Q04000




20050808   G06F01716




20050815   G06Q04000
20050824   G06F01760




20050901   G06Q04000




20060106   G06Q04000




20060110   G06Q04000




20060209   G06Q04000




20060224   G06Q04000
20060412   G06Q04000




19940725   G06F01760




19990816   G06F01760




20020828   G06F000




20031002   G06F01760




20041223   G06Q04000
20010316   G06F01760




19950808   G06F01760




20010330   G06F01760




20011221   G06F01760




20031114   G06F01760




19970415   G06F01760
20000509   G06F01760




20000526   G06F01760




20030613   G06F01760




20030808   G06F01760




20031114   G06F01760




20040228   G06F01760
20040910   G06F01760




20041006   G06F01760




20051118   G06Q04000




20010426   G06F01760




20000927   G06F01760




19990922   G06F01760
20000124   G06F01760




20000303   G06F01940




20000901   G06F01760




20001116   G06F01760




20001220   G06F01760




20010502   G06F01760
20010525   G06F01760




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A Apte et al. 705004 EXAMINER |       222754/http://www.usc.
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X0




None                                None




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A Wilkins 4550062 OTHER |          International Conference on Data
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None                               None




None                               None




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US6202060 20010300 B1 Tran      'Risk Management & Analysis'--
707003 EXAMINER | US6223143     Alexander, Carol John Wiley &
20010400 B1 Weinstock 703017    Sons (vol. 1 & 2) 1996. :::
EXAMINER | US6421653 20020700   EXAMINER ::: ## | 'Advanced
B1 May 705037 EXAMINER          Strategies   in   Financial  Risk
                                Management'--1993--Schwartz   R--
                                New York Institute of Finance. :::
                                EXAMINER ::: ##

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0




None                            None
US4408203 19831000 A Campbell      Pages       downloaded       from:
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None                               None




US5914951 A YP 0                   DATABASE DIALOG (R) FILE 15,
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US5432904 19950700 A Wong           Corporate News 'PPG Receives CIO
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235375 | US04674044 19870600
Kalmus et al. | US04700297
19871000 Hagel, Sr. et al. |
US04774663 19880900 Musmanno
et al. | US05239462 19930800 Jones
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19931100 Hartheimer et al. |
US05220501 19930600 Lawlor et al.       Doug Picker, Symbol Technologies
364408 | US05301105 19940400            announces 2-D symbology PDF 417
Cummings,       Jr.      364401     |   for     new    applications,    Symbol
US05319181                  19940600    Technologies News Release, 2
Shellhammer et al. 23546209 |           pages, Oct. 2, 1990. | 'Jerry Brager
US05337361 19940800 Wang et al.         identified a need for computers in
380051 | US05381487 19950100            health care, and now he is making
Shamos 382002 | US05399846              his vision come true', Business for
19950300 Pavlidis et al. 2354621 |      Central New Jersey, v6, n8, s1, p34,
US04667292 19870500 Mohlenbrock         Fries, B. E. et al. 'A comprehensive
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19890500 Luch et al. 705004 |           stay psychiatric patients.' Health Care
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705004 | US05446653 19950800            (Winter), pp. 31-50, 1993. | American
Miller et al. 705004 | US05523942       Travellers Life Insurance Company,
19960600 Tyler et al. 705004            Long Term Care Insurance Policy
                                        Form ATL-LTC-6-IL. | Continental
                                        Casualty Company, Long Term Care
US4766539 19880800 Fox 705004        Lee, Chris, 'Outplacement: Throwing
EXAMINER | US5712984 19980100        Them Life Preservers', Training: The
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705004 EXAMINER | US5832497          Abstract, Jul. 1987.* | Anonymous,
19981100 Taylor 707104 EXAMINER      '1991 Survey of Severance Pay
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705004 EXAMINER | US5970464          Briefing, Dec. 1991.* | Abraham et al,
19991000 Apte et al. 705004          'Job Security in America: A Better
US3863060 19750100 A Rode et al.     'International    Benefits    Meeting,
708134 EXAMINER | US4648037          Management Compensation Group,
19870300 A Valentino 705036          S.E., Inc. , KPMG/Peat Marwick,
EXAMINER | US4766539 19880800        LLP, Atlanta, Georgia', Jan. 27, 1995.
A Fox 705004 EXAMINER |              | 'International Benefits Meeting,
US4969094 19901100 A Halley et al.   Management Compensation Group,
705036 EXAMINER | US5262942          S.E., Inc. , Dr. Olivia S. Mitchell,
19931100    A      Earle    705037   Wharton Pension Research Council,
EXAMINER | US5590037 19961200        Philadelphia, Pennsylvania', Feb. 23,
US4831526 19890500 A Luches et       US 5,884,318, 3/1999, Nielsen et al.
al. 705004 OTHER | US5235507         (withdrawn) | Johnstone, Helen.
19930800 A Sackler et al. 705002     'Menu of Options on Offer as
EXAMINER | US5301105 19940400        Companies and Government Pass
A Cummings et al. 705002 OTHER |     Planning to the Individual Tailored
US5519607 19960500 A Tawil           Health Benefits on Way.' Dec. 20,
705002 EXAMINER | US5523942          1998, South China Morning Post, p.
19960600 A Tyler et al. 705004       10 (2 pages).
OTHER | US5592375 19970100 A
US4858121 A X 0 | US5930759 A YP     None
0 | US5550734 A Y 0 | US5823948 A
Y0




US5241466 A X 0 | EP0837404 A A None
0 | US5499293 A A 0 | US5802876 A
A 0 | US5651117 A A 0




US4992940 A X 0 | US5987434 A YP None
0 | US6049778 A YP 0 | US5995961
A AP 0 | US5978799 A AP 0
None                               None




None                               None




None                               None




US6028537 20000200 A Suman et      Charles Mason, 'Wireless Internet
al. 340988 EXAMINER | US6535743    gives auto industry the buzz,'
20030300 B1 Kennedy, III et al.    published on Dec. 1, 1999 in
455456        EXAMINER         |   America's Network, downloaded from
US20020103622 20020800 A1 Burge    the internet Apr. 10, 2003. :::
OTHER | JP404057198 19920200 A     EXAMINER ::: ## | InfoGation Corp.
EXAMINER                           Introduces Productivity, Navigation,
                                   Safety and Communication Software
                                   Applications for Next-Generation
None                               None




None                               None
US5390238 A X 0 US5781442 A X 0 None
WO9941682 A Y 0 WO9945490 A A
0 US5657236 A A 0




None                           None




None                           None




None                           None




None                           None




None                           None
None              None




US6018722 A Y 0   FISCHER D.E. ET AL.: 'Security
                  analysis and portfolio management',
                  1991,        PRENTICE           HALL
                  XP002906408       |    KEYES       J.:
                  'Handbook of technology in financial
                  services',    1999,      AUERBACH
                  XP002906894 | PEREZ R.C.:
                  'Marketing financial services', 1983,
                  PRAEGER PUBLISHERS
None              None




None              None




None              None




None              None
None                            None




None                            None




US5930512 A X 0 | US5987434 A Y None
0 | WO0067173 A Y 0 | US5191522
A Y 0 | US5970464 A Y 0




None                            None




US2002091551    A    XE   0    | None
US2002111835 A XE 0 | US6088686
A A 0 | US6315196 B AP 0 |
WO0116845 A A 0




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None   None
US04616854 19861000 Landrum et        Robinson, International Computer
al. 283074 | US04642768 19870200      Law Adviser, Dec. 1991-Jan. 1992,
Roberts 364408 | US04722055           pp. 21- 43. | Harbert, Technology
19880100      Roberts    364408   |   Access      Report,    published  by
US04766539 19880800 Fox 705004 |      University R&D Opportunities,
US04831526 19890500 Luchs et al.      Inc., Mar. 15, 1990. | Cripe, San
705004 | US04839804 19890600          Antonio Business Journal, Oct. 1997.
Roberts et al. 705036 | US04975840    | Lane, High Technology Business,
19901200 DeTore et al. 705004 |       v9, n1, p8, Jan. 1989. | Higdon,
None                                  None




None                                  None




None                                  None




None                                  AUSTRALIAN             COMPUTER
                                      CONFERENCE           1987      8-11
                                      September     1987,      Melbourne,
                                      Australia.  pages     558-577;   H.
                                      BANNISTER: 'Portfolio Optimisation
                                      in the Money Market'



US04669731       19870600    Clarke None
273143R | US04766539 19880800
Fox 364401 | US05178390 19930100
Okada et al. 273143R | US05320356
19940600      Cauda     273292     |
US05674128 19971000 Holch et al.
463042 | US05766075 19980600
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US4766539 19880800 A Fox 705004   Gates, M., 'For Doctors, Best
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A Garrett et al. 705004 OTHER |   Louis Post Dispatch, Feb. 11, 1991,
US5752237 19980500 A Cherny       Five Star edition, Everyday section,
705004 OTHER | US5839118          p. 1D.* | Heeb, C.S., 'How I Won the
19981100 A Ryan et al. 705036     Countersuit Everybody Thought I'd
EXAMINER | US5852808 19981200     Lose,' Medical Economics, vol. 68,
A Cherny 705004 OTHER |           No. 2, p. 32, Jan. 21, 1991.* | Berger,
US5875431 19990200 A Heckman et   C.J., 'Law: Arbitrating Fee Collection,'
US5574828 A Y 0 | US6022315 A Y   None
0 | WO9905625 A Y 0




None                              None




None                              None




US6078904 A X 0 | US5893079 A Y None
0 | US5521813 A Y 0 | US5813009 A
A0




None                              None
None                                  None




None                                  None




None                                  None




None                                  None




US03634669 19720100 Soumas et         Goldstein, Michael G., Drennan,
al. 235184 | US04648037 19870300      William A.; Financing a SERP and
Valentino 705036 | US04837693         Split Dollar Plan with a Single Policy;
19890600      Schotz     364408   |   Journal of the American Society of
US05191522 19930300 Bosco et al.      CLU & ChFC; v51n1 pp. 34-43,
364401 | US05233514 19930800          Jan. 1997. | Bell, L. `Benefit of Clout:
Ayyoubi et al. 364408 | US05429506    Combining        equity       split-dollar
19950700 Brophy et al. 434107 |       insurance with other little-used
US05590037 19961200 Ryan et al.       financial planning tools`, Financial
None                                  None
None                                 None




None                                 None




None                                 None




US03949191 19760400 Crowther None
235380 | US04194242 19800300
Robbins 364200 | US04346442
19820800 Musmanno 364408 |
US04376978 19830300 Musmanno
364408 | US04454414 19840600
Benton 235381 | US04590365
19860500 Okada 235379

US03622995 19711100 Dilks et al.     Database Management, Everest,
235382 | US03876864 19750400         1986, McGraw--Hill Inc., p. 746. |
Clark et al. 235379 | US03949375     Encyclopedia of Computer Science
19760400      Ciarlo  395111     |   and    Engineering,  1983,     Van
US04071698 19780100 Barger, Jr. et   Nostrand Reinhold Company Inc., pp.
al.   179002R      |  US04186438     563-565.
19800100 Benson et al. 364200 |
US04330040 19811100 Gould et al.
169013 | US04346442 19820800
US03697693 19721000 Deschenes        None
364408 | US04194292 19800300
Robbins 364200 | US04346442
19820800 Musmanno 364408 |
US04376978 19830300 Musmanno
364408 | US04642768 19870200
Roberts 364408 | US04648038
19870300 Roberts et al. 364408 |
US04694397 19870900 Grant et al.
US4742457 A Y 0 | US4752877 A A THE FINANCIAL POST, 26 October
0                               1991, 'Indexed Bonds get a Mixed
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                                1990, 'Anglian Dips into Eurobonds',
                                p. 20. | FORBES, Vol. 136, 15 July
                                1985, FORBES, 'On the Subject of
US04985833 19910100 Oncken None
364408




None                              None




US04774663 19880900 Musmanno None
et al. 364408 | US04953085
19900800    Atkins   364408 |
US04985833 19910100 Oncken
364408 | US05291398 19940300
Hagan 364408 | US05297026
19940300 Hoffman 364401


US4554418 A A 0 | US4674044 A A None
0 | US4823265 A A 0 | US4985833 A
A 0 | US5148365 A A 0 | US5231571
A A 0 | US5262942 A A 0




US04831526 19890500 Luchs et al. None
364408 | US04839804 19890600
Roberts et al. 364408 | US04953085
19900800       Atkins   364408    |
US05083270 19920100 Gross et al.
364408 | US05237500 19930800
Perg et al. 364408
US4346442 19820800 A Musmanno          Burgess; The Electronic Experts;
364408 OTHER | US4376978               Washington Post; 10489,; H1, H4.* |
19830300 A Musmanno 364408             Society of Actuaries' Textbook on
OTHER | US4597046 19860600 A           Life Contingencies, Chapter 9, 'The
Musmanno et al. 364408 OTHER |         Joint-Life Status,' notes Section 5,
US4642768 19870200 A Roberts           'The law of uniform seniority.' |
364408 OTHER | US4700297               Financial      Condition     Examiners
19871000 A Hagel, Sr. et al. 364408    Handbook, '1980 CSO Mortality
OTHER | US4722055 19880100 A           Table. ' Printing date: 11/95, adopted
US04831526 19890500 Luchs et al.       LaRock, Seymour, 'COLI: an excutive
364401 | US05191522 19930300           comp.       supplement',     Employee
Bosco et al. 364401 | US05291398       Benefit Plan Review, Feb. 1992, p.
19940300     Hagan     364408      |   33, Dialog File 169, Acc. No.
US05429506 19950700 Brophy et al.      00122762. | Cuddy Michael, sec. 848
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US05083270 19920100 Gross et al.       Koco, Co. Offers collateralized loans
364408                                 for living benefits. (Security Life of
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                                       n23, p7(2), Jun. 8, 1992, Dialog file
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                                       Mack, 'Insurance for the living', Black
US03634669 19720100 Soumas et          The Purchased life annuity-Not so
al. 235184 | US03749892 19730700       Boring After All Planned Savings
Stenning 235184 | US04055757           (PSVGS) , Aug. 27, 1990 p.: 31-35,
19771000 Tillman et al. 364408 |       Dialog file 772, Accession No.
US04334270     19820600   Towers       05149511. | Brian Potter, 'The Role
364300 | US04642768 19870200           of Annuities in Life Assurance
Roberts 364408 | US04722055            Insurance Age (IAGE)', Apr. 24,
19880100     Roberts  364408     |     1990, p.:24, Dialog file 772,
US04750119 19880600 Cohen et al.       Accession No. 04647289. | 'Life
US04750121 19880600 Halley et al.      Christensen, Burke A., Reaffirming
395235 | US05499359 19960300           Bank's Right to Hold Life Insurance,
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                                       Life Association News, pp. 96, 98-
US04346442 19820800 Musmanno |         'Realty World Corp. introduces
US04376978 19830300 Musmanno |         ReaLoan,        a      computer-based
US04597046 19860600 Musmanno           mortgage network', PR Newswire, 1
et al. | US04674044 19870600           page, Oct. 1984. | Les Gepay, 'Piece
Kalmus et al. | US04700297             of the Rock boosts Bellevue software
19871000 Hagel, Sr. et al. |           firm', Seattle Post-Intelligencer, 1
US04722055 19880100 Roberts |          page, Nov. 1987. | Philip B. Springer,
US04750121 19880600 Halley et al. |    'Home equity conversion plans as a
US04752877 19880600 Roberts et         source of retirement income', Social
US4346442 19820800 Musmanno           Deloitte & Touche, Emerging
364408 OTHER | US4376978              Issues Task Force Minutes/Issue
19830300     Musmanno     364408      Summaries, Dec. 18, 1992, Issue 93-
OTHER | US4597046 19860600            3, 14 pgs. | Kra et al., Retiree Medical
Musmanno et al. 364408 OTHER |        Benefits: Making the Fund or Finance
US4642768     19870200    Roberts     Decision, The Journal of Corporate
364408 OTHER | US4648037              Accounting & Finance, Spring
19870300 Valentino 364408 OTHER       1992, pp. 285- 301. | Uyl et al,
| US4674044 19870600 Kalmus et al.    Funding Retiree Health Benefits With
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US03634669 19720100 Soumas |          Treasury Report, 'Treasury Releases
US04642768 19870200 Roberts |         Long-Awaited Study on Taxation of
US04722055 19880100 Roberts |         Life Insurance Products', 90 TNT 70-
US04752877 19880600 Roberts et        12, Apr. 2, 1990. | Kevin Wright,
al. | US04831526 19890500 Luchs et    'Mission: Policyholder Rescue', Best's
al. | US04837693 19890600 Schotz |    Review-       Life-Health      Insurance
US04839804 19890600 Roberts et        Edition, v 88, n 10, pp. 48-51, Feb.
al. | US04876648 19891000 Lloyd |     1988. | 'Insurance Company's
US04953085 19900800 Atkins |          Retroactive Rate Credits are
US04346442 19820800 Musmanno          Alice Jacobs Carles, Esq. Non-
364408 | US04376978 19830300          Qualified Deferred Compensation,
Musmanno 364408 | US04597046          Feb., 1995. | Deloitte & Touche,
19860600 Musmanno et al. 364408 |     Emerging       Issues     Task     Force
US04642768 19870200 Roberts           Minutes/Issue Summaries, Dec. 18,
364408 | US04648037 19870300          1992, Issue 93-3, 14 pgs. | Kra et al.,
Valentino 364408 | US04674044         Retiree Medical Benefits: Making the
19870600 Kalmus et al. 364408 |       Fund or Finance Decision, The
US04700297 19871000 Hagel, Sr. et     Journal of Corporate Accounting
US05214579 19930500 Wolfberg et       Bruce Givner and Mitchell Port, A
al. 364408 | US05231571 19930700      New Sizzle for Split Dollar, Insurance
D'Agostino 364408 | US05429506        Sales, v. 131, pp. 30-33, Sep. 1988.
19950700 Brophy et al. 434107 |
JP3065785 19910300




US04554418       19851100       Toy   DATAIR                       Defined
37908801 | US04566066 19860100        Contribution/Defined Benefit Pension
Towers | US04642768 19870200          Administration    System     Manual,
Roberts | US04648037 19870300         revision Apr. 1991, DB. | DATAIR
Valentino | US04674044 19870600       Defined Contribution System User
Kalmus et al. | US04722055            Manual, revision Mar. 1994, 6.1-1.
19880100 Roberts | US04750121
19880600 Halley et al. | US04752877
19880600 Roberts et al. |
US03634669 19720100 Soumans et           'Fidelity    Retirement       Planning
al. | US04642768 19870200 Roberts        Thinkware' (no date). | 'Intuit Helps
| US04648037 19870300 Valentino |        You with Future Finances, But
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| US04831526 19890500 Luchs et al.       Planning,' Northwestern Mutual Life
| US04837693 19890600 Schotz |           Rev. 3/94, Oct. 1993. | 'Financial
US04839804 19890600 Roberts et           Profiles, Inc. on the Internet,' The
al. | US04876648 19891000 Lloyd |        Financial Profiles, Inc. Newsletter,
US05754980 19980500 Anderson et          None
al. 704014 | US05761441 19980600
Bennett 395235




US04642768 19870200 Roberts |            Charles E. Dropkin, 'United States',
US04739478 19880400 Roberts et           International Financial Law Review
al. | US04742457 19880500 Leon et        Supplement, pp. 36-55, Jan. 1992. |
al. | US04750121 19880600 Halley et      Ann      Goodman,        'New    Trading
al. | US04839804 19890600 Roberts        Products Spawn New Systems', Wall
et al. 364408 | US04969094               Street Journal Computer Review, v 9,
19901100 Halley et al. | US05126936      n 4, pp. 40-46, 62, Jan. 1992. | Saul
19920600 Champion et al. |               Hansell, 'The Risk Collectors',
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US04800510 19890100 Vinberg et           Insmark WebSite: http://insmark.com
al. 345440 | US04831526 19890500         copyright 1983-86, 88-90, 90, 92-93,
Luchs et al. 705004 | US04837693         95. | United Systems WebSite:
19890600      Schotz      705004     |   http//206179.150/index.htm           Last
US04839804 19890600 Roberts et           Update--Jul. 18, 1996. | FIPSCO
al. 705036 | US04899292 19900200         WebSite: http//wwwcom Microsoft
Montagna     et   al.     707501     |   Internet Explorer Copyright 1996. |
US04953085      19900800       Atkins    Financial         Profiles      WebSite:
705036 | US04975840 19901200             http//wwwcom Version 5 Update
US04949278 19900800 Davies et al.        Paul Beard, 'London Life develops
705010 | US05523942 19960600             nationwide client-server taxation ES',
Tyler et al. 705004 | US05546584         Intelligent Systems Report, v. 8, n. 7,
19960800 Lundlin et al. 395683 |         pp. 9-10, Jul. 1991. | 'Insuring the IT
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395682                                   Jun. 1992. | Koehler, S, 'Objects in
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705002 OTHER | US4837693                 technology and clinical applications,
19890600 A Schotz 705004 OTHER |         Feb. 1995, JAMA, vol. 273 No. 6, pp.
US5072383 19911200 A Brimm et al.        483-488. ::: EXAMINER ::: ##
705002 OTHER | US5136502
19920800 A Van Remortel et al.
705002 EXAMINER | US5301105
19940400 A Cummings, Jr. 705002
OTHER | US5307262 19940400 A
None                                  None




US04648037 19870300 Valentino         Lazzareschi, Carla 'Converting Your
705039 | US05479344 19951200          IRA to a Roth Account Could Be a
Keziah, Jr. 705004 | US05523942       Smart Move--Especially in '98' Los
19960600 Tyler et al. 705004 |        Angeles Times col. D p3 retreived
US05680305 19971000 Apgar, IV         from Dialog file #630 Jul. 28, 1999,
705010 | US05774881 19980600          Nov. 1997. | Anderson, Arthur
Friend et al. 705036 | US05878405     'Taxpayer Relief Act of 1997 Special
19990300 Grant et al. 705039          Report' Electronic Citation : 97 TNT
                                      155-34 retrieved from Dialog File
None                                  None




None                                  None




US4588192 19860500 A Laborde          Verschoor,       The     new       PFP
273240 EXAMINER | US4864110           pronouncement, from CPA Journal,
19890900    A    Guillou   235380     v63n7, pp.68-69, Jul. 1993.* |
EXAMINER | US5319543 19940600         Bernstein, New guidance on personal
A Wilhelm 705003 OTHER |              financial    planning     engagement
US5319777 19940600 A Perez            functions and responsibilities, from
707010 OTHER | US5361199              Journal of Accountancy, v174n6, pp.
19941100 A Shoquist et al. 705026     111-115, Dec. 1992.* | Ferrara et al.,
OTHER | US5371675 19941200 A          Highlights of the 28th annual Institute
US3863060 19750100 Rode et al.        B.R. Rabin, Benefits Quarterly, First
708134 EXAMINER | US4055757           Quarter 1995, 'Total Compensation:
19771000 Tillman et al. 708134        A Risk/Return Approach' pp. 6-17,
EXAMINER | US4566066 19860100         1995.*    |    RetireWeb    Glossary,
Towers    705036       OTHER      |   www.retireweb.com/glossary.html,
US4642768     19870200     Roberts    Apr. 1997.* | AltaVista Web search
705004 OTHER | US4648037              results, through www.AltaVista.com,
19870300 Valentino 705036 OTHER       Mar. 2000.* | Kellison, Stephen G.,
| US4674044 19870600 Kalmus et al.    The Theory of Interest, Richard D.
None                                 None




US5590037 19961200 A Ryan et al.     Journal of Fin'l Service Professionals
705004 EXAMINER | US5907828          v52n6 pp:82-89 Nov. 98--'Viatical
19990500 A Meyer et al. 705004       Settlements       and    High     NW
EXAMINER | US5930760 19990700        Transactions'.* | Michael Zadoff-
A Anderton et al. 705004 EXAMINER    Nursing Homes v48n2 pp 60-62-
| US5930778 19990700 A Geer          Feb.'99--'Viatical        Settlements-
705045 EXAMINER | US6012925          Nursing Home Pay'.
20000100 A Kelly et al. 434107
EXAMINER
US5839118 19981100 A Ryan et al.     Bell and Raud, A Graphical Approack
705036 EXAMINER | US5864828          to Retirement and Extate Planning,
19990100     A      Atkins  705036   Nov. 1998, Journal of Financial
EXAMINER | US5911136 19990600        Service Professionals, pp. 72-81.
A Atkins 705036 EXAMINER |
US5913198 19990600 A Banks
705004 EXAMINER | US5991744
19991100 A DiCresce 705036
EXAMINER | US6012043 20000100
None                                 None




US4975840 19901200 A DeTore et       Bragg, John M. 'New Mortality Table
al. 364401 OTHER | US5655085         Shows Up on Annuity Block,' National
19970800 A Ryan et al. 364401        Underwriter. Jan. 20, 1997. p. 8.* |
OTHER | US5752236 19980500 A         'Association of British Insurers:
Sexton et al. 705004 EXAMINER |      Insurance Companies Recognise
US5754980 19980500 A Anderson et     Need to Reflect Increased Life
al. 705004 EXAMINER | US5761645      Expectancy,' M2 Presswire. May 28,
19980600 A Hawkins 705004            1998. p. 1.* | Shaw, Irv. 'Prospecting
OTHER | US5819230 19981000 A         in the Impaired Risk Market,' Broker
None                                 None
US4642768 19870200 A Roberts        http://www.vpep.state.va.us/vpep_2.h
705035 EXAMINER | US4752877         tml. Virginia Prepaid Education
19880600 A Roberts et al. 705035    Program. Downloaded Mar. 13,
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US5745885 19980400 A Mottola et     html. Virginia Prepaid Education
al. 705038 EXAMINER | US5884287     Program. Downloaded Mar. 13,
19990300 A Edesess 705036           2001.* | Virginia Acts of Assembly
EXAMINER | US5987433 19991100       1998 Session. Chapter 85 [H 589].
WO9734246 A X 0 | WO9715023 A       None
X 0 | WO9922328 A A 0 |
US5721831 A A 0




US4055757 19771000 A Tillman et     Rotello, Patricia A 'Developing an
al. OTHER | US5291398 19940300 A    integrated retirement plan strategy,
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19970500 A Hagan OTHER |            Quarterly v9n4 pp. 61-65 Fourth
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al. OTHER | US5754980 19980500 A    AnnuiSHARE« Consumer Brochure,
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19980600 A Bennett OTHER |          AnnuiSHARE«       Lifetime    Income
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705036 EXAMINER | JP200224533 Gwendolyn S., 'STructuring GRATs
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US4642768 19870200 A Roberts         Jacobs     et     al,   'Market-Neutral
705035 EXAMINER | US4722055          Strategy Limits Risk', Pension
19880100     A     Roberts  705036   Management, vol. 31, No. 7, p. 39,
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A Roberts et al. 705035 EXAMINER |   Kichen, Forbes, Mar. 16, 1992, p. 19
US5291398 19940300 A Hagan           (1 page). | Anonymous, 'Private
705035 EXAMINER | US5592379          Investment Companies: A New
19970100 A Finfrock et al. 395239    Business Opportunity for Banks,'
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None                                 None




US5761441 19980600 A Bennett None
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19990400 A Cooperstein OTHER |
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JP02001088468         20010400      Boca Raton, London, New York,
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al. OTHER | US5291398 19940300 A   Jun. 16, 1992 [code sec. 72].* |
Hagan    OTHER     |  US5631828    Retirement Contribution Analyzer
19970500 A Hagan OTHER |           User Guide; Ernst & Young,
US5644727 19970700 A Atkins        LLP; Oct. 24, 1997; 19 pages.* |
705040 EXAMINER | US5752236        AnnuiSHARE« Consumer Brochure,
19980500 A Sexton et al. OTHER |   Version 1.20, Apr. 6, 1999; Cover:
US5754980 19980500 A Anderson et   AnnuiSHARE«      Lifetime   Income
al. OTHER | US5761441 19980600 A   Annuity; SHAREways to an
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US5933815 A X 0 | US4969094 A X See   also   references   of   EP
0 | US6021397 A A 0             1301879A1




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US4742457 19880500 A Leon et al.   Allstate Life Insurance Company,
OTHER | US5689649 19971100 A       Flexible Premium Deferred Annuity
Altman et al. OTHER | US5742775    Contract, Oct. 2001, pp. 1-12 and two
19980400 A King OTHER |            Annuity Data Pages, North Brook
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OTHER | US6064969 20000500 A       Equity Investment Life Insurance
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US03634669 19720100 Soumas |           Clay, John R., Kaun, William J., Meir,
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19980800 A Dembo 705036 OTHER          Futures Markets , vol. 4, No. 1, pp.
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19960300      Clarke   705010    |   s1, p. 3, Nov. 1990. | John Foley,
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19990200    A     Atkins  705040    money' (PR Newswire) (Apr. 4,
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A Kenna et al. 705035 EXAMINER |
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US4766539 19880800 A Fox 705004      Warfel, Natural Disasters and
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19991100     A    Debe    705036    'Corporate Split Purchase Strategies,'
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US2002013720     A   A   0   | KOICHI TABUTA: 'Nihon kigyo saisei
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al.    7071041     EXAMINER      |   4; p. 79 [ISSN/ISBN: 87560372]. :::
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                                  Desc:      ASSIGNMENT        OF
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None                         None




None                         None




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WO2005013095A2     |
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None                None




WO2006036316A1      None
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AU200047017A




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WO2005116894A2               | None
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WO2006023308A2
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None              None




US2006136324A1   | None
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None              None




None              None




None              None
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AU200145402A | WO200165457A1 None




WO200239291A1 | AU200225897A       None




None                               None




AU1584192A                         Date: 19920903 Flag: (+) Code: AK
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None                           None




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