A safe transit route generation system determines a travel route for a user traveling from an origin location to a destination location and generates a route safety value for the travel route based on one or more safety conditions associated with at least one geographic location of the travel route. The system also determines a risk aversion value for the user based on a plurality of safety preferences associated with a user risk profile and that the risk aversion value for the user exceeds the route safety value for the travel route. The system further modifies one or more portions of the travel route to increase the route safety value above the risk aversion value.
In one embodiment, a predictive contextual transaction scoring system receives transaction review data associated with person-to-person transactions from a marketplace, the transaction review data including feedback information relating to the person-to-person transaction. The system identifies contextual characteristics of the person-to-person transactions by analyzing the feedback information related to the person-to-person transactions. The system pairs a first party requesting a service to a second party providing the requested service by matching a contextual characteristic of the first party to a contextual characteristic of the second party. The system also predicts a transaction score for a new person-to-person transaction involving the first party and the second party, and provides the predicted transaction score to the marketplace to facilitate pairing of the first party requesting the service.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
36 - Financial, insurance and real estate services
Goods & Services
Providing underwriting and administration services for individual and group life, health, homeowners, and automobile insurance, annuities, and pension funds; residential and commercial mortgage lending services; real estate brokerage and management services; mutual fund brokerage and investment services, namely, investment banking and funds investment; financial retirement planning services; employee benefits services, namely, processing, administering, and managing employee benefit plans concerning insurance and finance
A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.
36 - Financial, insurance and real estate services
Goods & Services
insurance services, namely, underwriting, administration and financing of dental and oral health care insurance; Administration of preferred dental and oral health care insurance plans and dental insurance claims processing
In one embodiment, a predictive contextual transaction scoring system receives transaction review data associated with person-to-person transactions from a marketplace, the transaction review data including feedback information relating to the person-to-person transaction. The system identifies contextual characteristics of the person-to-person transactions by analyzing the feedback information related to the person-to-person transactions. The system pairs a first party requesting a service to a second party providing the requested service by matching a contextual characteristic of the first party to a contextual characteristic of the second party. The system also predicts a transaction score for a new person-to-person transaction involving the first party and the second party, and provides the predicted transaction score to the marketplace to facilitate pairing of the first party requesting the service.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A trust platform receives transaction review values from a plurality of marketplace providers, each transaction review value associated with a person-to-person transaction. The platform weighs each transaction review value to generate a weighted transaction review value based on a characteristic of the transaction. A baseline individual trust score is generated based on an aggregation of the weighted transaction review values which reflects a “trust” attributable to a user. The trust platform is also configured to adjust new transaction review values based on the baseline individual trust score to render such review more accurate.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
In one embodiment, a predictive contextual transaction scoring system receives transaction review data associated with person-to-person transactions from a marketplace, the transaction review data including feedback information relating to the person-to-person transaction. The system identifies contextual characteristics of the person-to-person transactions by analyzing the feedback information related to the person-to-person transactions. The system pairs a first party requesting a service to a second party providing the requested service by matching a contextual characteristic of the first party to a contextual characteristic of the second party. The system also predicts a transaction score for a new person-to-person transaction involving the first party and the second party, and provides the predicted transaction score to the marketplace to facilitate pairing of the first party requesting the service.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
12.
Systems and methods for modeling buildings and risk assessment
In one embodiment, a smart home modeling system receives objective data from a public data source. The system modifies baseline age information from the objective data based on indications from service and upgrade records, as well as smart home sensor measurements, to generate a corrected age model for the home. The system determines the effective ages of systems in the home in the corrected age model, and then uses the corrected age model to generate a risk model for the home. Based on the generated risk model, maintenance needs and statuses are re-evaluated. The system provides a virtual dashboard to view results from the smart home model. The dashboard displays alerts about particular systems of the home with elevated risk levels. Additionally, the dashboard generates price information based on the corrected age model and the risk model. The dashboard also notifies a user about service interventions for home systems.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
A safe transit route generation system determines a travel route for a user traveling from an origin location to a destination location and generates a route safety value for the travel route based on one or more safety conditions associated with at least one geographic location of the travel route. The system also determines a risk aversion value for the user based on a plurality of safety preferences associated with a user risk profile and that the risk aversion value for the user exceeds the route safety value for the travel route. The system further modifies one or more portions of the travel route to increase the route safety value above the risk aversion value.
A smart scheduling system determines a baseline set of user preferences based on at least one prior arrival time relative to a prior event time. The system also receives new event data including a new event time and a new event location, and further, determines a predicted travel time from an origin location to the new event location based on one or more historic environment conditions and the baseline set of user preferences. Based on the predicted travel time, the system generates a notification having an initial notification time. The system also monitors real-time environment conditions corresponding to at least one travel route from the origin location to the new event location, and determines a revised notification time based on the real-time environment conditions. The system provides the notification to one or more client devices associated with a user based on the revised notification time.
In one embodiment, a stress monitoring and intervention system receives interaction data from a client device, where the interaction data corresponds to an interaction between a user and one or more client devices. The system also determines the interaction data corresponds to an interaction metric associated with a health profile for the user, and generates a stress value for the interaction metric based on the interaction data. The system further determines the stress value exceeds a stress threshold associated with the interaction metric, selects at least one health intervention, and executes the at least one health intervention to change a user behavior.
A61B 5/16 - Devices for psychotechnicsTesting reaction times
A61B 5/11 - Measuring movement of the entire body or parts thereof, e.g. head or hand tremor or mobility of a limb
G16H 10/60 - ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
G16H 50/30 - ICT specially adapted for medical diagnosis, medical simulation or medical data miningICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for calculating health indicesICT specially adapted for medical diagnosis, medical simulation or medical data miningICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for individual health risk assessment
G16H 40/67 - ICT specially adapted for the management or administration of healthcare resources or facilitiesICT specially adapted for the management or operation of medical equipment or devices for the operation of medical equipment or devices for remote operation
The present invention relates to designing a performance-learning solution and related methods for managing the learning and training needs of an organization in a manner that is responsive to dynamic business needs. In particular, the present invention relates to solutions that are performance-based and provide a learning environment that is targeted towards the improvement of worker productivity and the accomplishment of specific goals.
G09B 7/04 - Electrically-operated teaching apparatus or devices working with questions and answers of the type wherein the student is expected to construct an answer to the question which is presented or wherein the machine gives an answer to the question presented by the student characterised by modifying the teaching programme in response to a wrong answer, e.g. repeating the question, supplying a further explanation
G09B 7/02 - Electrically-operated teaching apparatus or devices working with questions and answers of the type wherein the student is expected to construct an answer to the question which is presented or wherein the machine gives an answer to the question presented by the student
G06Q 10/06 - Resources, workflows, human or project managementEnterprise or organisation planningEnterprise or organisation modelling
Source code files of software applications are scanned or searched to identify dependency information, such as versions of linked or embedded libraries. The dependency information is aggregated from the software applications, and displayed in a graphical user interface that is accessible by a user via web access. The dependency information can be used to prioritize upgrades, maintenance and management of the software applications, such as by prioritizing the update of software applications having older versions of libraries.
A trust platform receives transaction review values from a plurality of marketplace providers, each transaction review value associated with a person-to-person transaction. The platform weighs each transaction review value to generate a weighted transaction review value based on a characteristic of the transaction. A baseline individual trust score is generated based on an aggregation of the weighted transaction review values which reflects a “trust” attributable to a user. The trust platform is also configured to adjust new transaction review values based on the baseline individual trust score to render such review more accurate.
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
41 - Education, entertainment, sporting and cultural services
Goods & Services
Educational services, namely, providing non-downloadable webinars in the fields of financial planning, retirement planning, retirement plan fees; financial wellness programs, namely, providing non-downloadable webinars featuring instruction in the field of financial planning for financial distributions; investment education, namely, providing non-downloadable webinars in the field of retirement planning, investment advice, trust management accounts, and financial and regulatory administration of retirement plans, and distribution of educational materials in connection therewith
41 - Education, entertainment, sporting and cultural services
Goods & Services
Educational services, namely, providing non-downloadable webinars in the fields of financial planning, retirement planning, retirement plan fees; financial wellness programs, namely, providing non-downloadable webinars featuring instruction in the field of financial planning for financial distributions; investment education, namely, providing non-downloadable webinars in the field of retirement planning, investment advice, trust management accounts, and financial and regulatory administration of retirement plans, and distribution of educational materials in connection therewith
A computer-implemented method and system is disclosed for capturing and distributing aerial images and/or videos. Images and/or videos are captured from aircraft and transmitted to a ground station. Users are able to view captured images on a real-time or near real-time basis through a user platform on mobile devices and web browsers. The location of the user may also be determined and used to interpolate the user's location with the captured images.
The disclosed systems and methods facilitate identifying beneficiaries of matured insurance policies. In a preferred embodiment, the systems and methods leverage one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, users may also search for and receive information related to in-force policies. In cases where the insured is living, the systems and methods can update address and social security number records, enabling more effective policy administration and customer service going forward. The systems and methods may further distribute the matured policy proceeds to the identified beneficiary.
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
25.
System and method for sensor-enhanced insurance coverage and monitoring service
A network of sensors is utilized to capture and relay data that is relevant to specific types of insurance coverage. Sensors included in the network can be deployed as specialized devices, or can be found in existing consumer products. Behavioral and environmental data collected from the sensor network is used to establish a feedback relationship between an insurance policy holder's behavior and insurance policy pricing. Various types of insurance products can benefit from behavioral and environmental data, including health insurance, dental insurance, disability insurance and automobile insurance. Collected data can be used for other purposes, such as initial risk assessment, risk monitoring, and prevention services.
36 - Financial, insurance and real estate services
Goods & Services
Providing underwriting and administration services for individual and group life, health, homeowners, and automobile insurance, annuities, and pension funds; residential and commercial mortgage lending services; real estate brokerage and management services; mutual fund brokerage and investment services, namely, investment banking and funds investment; financial retirement planning services; employee benefits services, namely, processing, administering, and managing employee benefit plans concerning insurance and finance
27.
Visual assist for insurance facilitation processes
A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.
Disclosed herein are selection systems and methods for selecting a disability insurance package from a plurality of disability insurance packages, and for recommending the selected disability insurance package to a client. A selection system can include a query unit, a scoring unit and a recommendation unit. The query unit can present two or more prompts related to disability insurance, each prompt being associated with two or more response choices. A client can select a response choice for each prompt, and the query unit can receive the selected response choices. The scoring unit can associate point values with each of the selected response choices and can calculate a response score by combining the point values. The recommendation unit can select a disability insurance package corresponding the response score resulting from the user's responses to the prompts. Other embodiments of selection systems are also disclosed herein.
A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.
System and computer-based method for automatically distributing information upon the occurrence of predefined events is provided. In a preferred embodiment, the system includes a tool that provides an intuitive interface that allows users to easily create content to be stored and delivered. In a preferred embodiment, the system provides an effective information delivery system that leverages social networking.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
33.
System and method for improving call center communications
Methods and systems route requests for service in a call center. A non-transitory computer-readable medium stores data representative of a queue of customers waiting to be serviced. A processor queues a request for service initiated by a customer. Data output is sent to the customer to ascertain the customer's cause for the request via a data communication channel. Data input is received from the customer via the data communication channel. The data input indicates the customer's cause for the request. An agent is identified from a plurality of agents suitable to address the customer's cause for the request. The customer's position is adjusted in the queue based on the identified agent. A routing instruction is determined about routing the request to the identified agent.
36 - Financial, insurance and real estate services
Goods & Services
Insurance and financial services, namely, insurance underwriting services for all types of insurance; Insurance premium rate computing, underwriting, and administration of property and casualty insurance; Underwriting home, auto, recreational vehicle, motor home, motorcycle, and antique and collectible vehicle insurance; Providing information in the field of insurance
35.
MECHANISMS FOR THE MANAGEMENT OF THE PURCHASE OF GIFT ASSETS AND DATA EXTRACTION
Methods and systems for management of gift purchases. A non-transitory computer- readable medium stores a plurality of user profiles and a plurality of provider profiles. A processor receives a user's input to create a user profile, including billing information, a recipient, a purchase date set in the future, gift requirement and presentation information. The processor monitors the purchase date as it approaches. The processor selects, from gifts available at all providers, a predetermined number of gift options that meet the user's gift requirement. The processor receives the user's selection of gift. The processor determines the provider associated with the user's selection of gift. The processor notifies the provider about the user's presentation information. The processor orders the user's selection of gift to be shipped to the recipient. The processor charges the user using the billing information provided by the user. The processor sends a notification to the user when the user's selection of gift is sent. The processor also sends a notification to the user when the user's selection of gift is received by the recipient.
36 - Financial, insurance and real estate services
Goods & Services
Administration of employee benefit plans for small businesses concerning insurance and finance; Providing information and consultation services to small businesses in the fields of insurance and employee financial benefit plans
37.
System and method for sensor-enhanced insurance coverage and monitoring service
A network of sensors is utilized to capture and relay data that is relevant to specific types of insurance coverage. Sensors included in the network can be deployed as specialized devices, or can be found in existing consumer products. Behavioral and environmental data collected from the sensor network is used to establish a feedback relationship between an insurance policy holder's behavior and insurance policy pricing. Various types of insurance products can benefit from behavioral and environmental data, including health insurance, dental insurance, disability insurance and automobile insurance. Collected data can be used for other purposes, such as initial risk assessment, risk monitoring, and prevention services.
A system for a financial institution (or vendor thereof) to comply with its due diligence, reporting and monitoring obligations under FACTA or similar regulations. The present invention deploys a computer-based Enterprise Data Quality (EDQ) platform for the collection and management of customer financial data. The platform is configured to profile and validate the quality of existing database structures and content and, to the extent necessary to achieve regulatory compliance, normalize and standardize database records. The platform is further configured to detect and flag data anomalies, and provides an automatic alert distribution feature. The EDQ platform further includes a reporting feature to enable an accessible audit trail. The platform gathers data feeds from existing systems and supports the collection of data from new customers.
36 - Financial, insurance and real estate services
Goods & Services
Providing underwriting and administration services for individual and group life, health, homeowners, and automobile insurance, annuities, and pension funds; residential and commercial mortgage lending services; real estate brokerage and management services; mutual fund brokerage and investment services, namely, investment banking and funds investment; financial retirement planning services; employee benefits services, namely, processing, administering, and managing employee benefit plans concerning insurance and finance
40.
Use of drones to assist with insurance, financial and underwriting related activities
An unmanned insurance drone can include a drone body and a sensor unit disposed on the drone body to collect sensor data. An on-board data processor converts the sensor data into insurance related information, and a wireless communication unit in communication with the data processor to transmit the insurance related information. In another example, the data processor may not be on the drone but remotely located. The location can be with the pilot or a control collection location. If the insurance related information is separate from the drone, than the wireless communication unit can transmit the raw sensor data to the processor.
A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.
The design and implementation of databases within enterprises is a crucial process, but is often resource intensive and often times unnecessary as existing databases may be utilized to serve the same goals. Tracking existing databases and assessing the design specifications of proposed databases is a complex decision making process. Disclosed is a system and computer-based method for systematically controlling the approval, creation and modification of databases. The system provides a policy for enterprise governance control for database proliferation and a tool for comparing database requests to and against existing database assets.
43 - Food and drink services, temporary accommodation
Goods & Services
Providing community centers for social gatherings, social functions and social meetings; Provision of conference, exhibition and meeting facilities for social and business gatherings, social and business functions, and social and business meetings; none of the aforesaid services being for leasing and rental of space for storage purposes
The invention provides a system for verification of tickets issued for receipt of goods and/or services, which system comprises: one or more tickets, one or more ticket identification codes corresponding to each ticket, wherein each ticket identification code is unique to each ticket, a database server storing the ticket identification codes, and a mobile device, wherein the mobile device is in communication with the database server and is capable of reading the ticket identification codes. The system provides event staff with a reliable and efficient system for verifying the authenticity and tracking redemption of issued tickets. The system also provides event staff with stored customer data upon scanning a ticket.
G06Q 10/02 - Reservations, e.g. for tickets, services or events
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Disclosed is a system and computer based method to provide an intuitive interface that educates users about risk management needs, and/or assists users in selecting proper risk management instruments. In a preferred embodiment, the system include a tool that allows customers to easily plan for key events in life, such as buying a home, starting a family, educating their kids, retiring; exposes customers to some of the risks in life, such as health problems, accidents, income loss and unexpected costs; and provides risk management product recommendations and personal quotes.
System and computer-based method for automatically distributing information upon the occurrence of predefined events is provided. In a preferred embodiment, the system includes a tool that provides an intuitive interface that allows users to easily create content to be stored and delivered to a recipient upon the occurrence of a predefined event related to the location of the recipient. Location data may be retrieved from the recipient's mobile device, or social media websites. The system provides a valuable location-based information delivery system that allows for shared experience capability across time.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
49.
System and method for event triggered information distribution
System and computer-based method for automatically distributing information upon the occurrence of predefined events is provided. In a preferred embodiment, the system includes a tool that provides an intuitive interface that allows users to easily create content to be stored and delivered to a recipient upon the occurrence of a predefined event related to the location of the recipient. Location data may be retrieved from the recipient's mobile device, or social media websites. The system provides a valuable location-based information delivery system that allows for shared experience capability across time.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
G06F 15/173 - Interprocessor communication using an interconnection network, e.g. matrix, shuffle, pyramid, star or snowflake
H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
41 - Education, entertainment, sporting and cultural services
Goods & Services
Arranging and conducting conferences, seminars, presentations, training courses, workshops, seminars, lectures, and programs in the field of group ideation, brainstorming, creativity, and innovation leadership training within the financial services, insurance and information technology industries
51.
Data processing system for implementing financial asset transactions in a retail environment
A data processing implemented sales and activation system is used to distribute insurance products and services. A two stage operation is facilitated by the selectively arranged retail packaging used in conjunction with an on-line activation process to permit enhanced marketing of insurance and other insured products and services.
A data processing implemented sales and activation system is used to distribute insurance products and services. A two stage operation is facilitated by the selectively arranged retail packaging used in conjunction with an on-line activation process to permit enhanced marketing of insurance and other insured products and services.
36 - Financial, insurance and real estate services
41 - Education, entertainment, sporting and cultural services
Goods & Services
Insurance and financial information and consultancy services Educational services, namely, seminars, conferences and workshops, in the fields of insurance services and financial services
Disclosed herein are selection systems and methods for selecting a disability insurance package from a plurality of disability insurance packages, and for recommending the selected disability insurance package to a client. A selection system can include a query unit, a scoring unit and a recommendation unit. The query unit can present two or more prompts related to disability insurance, each prompt being associated with two or more response choices. A client can select a response choice for each prompt, and the query unit can receive the selected response choices. The scoring unit can associate point values with each of the selected response choices and can calculate a response score by combining the point values. The recommendation unit can select a disability insurance package corresponding the response score resulting from the user's responses to the prompts. Other embodiments of selection systems are also disclosed herein.
Disclosed herein are systems and methods for assessing and recommending a life insurance package to a client. A life insurance package may comprise the amount of life insurance coverage and the monthly cost needed to obtain that amount of coverage. In an exemplary embodiment, two or more life insurance packages, including what each life insurance package covers, are presented to the user. In an exemplary embodiment, default assumptions are made for questions that are difficult for the user to answer but may be fairly accurately estimated by the system.
Business consulting services, namely, providing small employers with assistance in making decisions to approve or deny employee federal and state mandated leave requests
41 - Education, entertainment, sporting and cultural services
Goods & Services
providing facilities for sports and entertainment related events; special event, party, and wedding planning and coordination services; hosting parties and weddings; fan clubs; entertainment services, namely, providing online video games and interactive content in the nature of sweepstakes services; providing a web site through which people locate information about promotions, entertainment, events, and competitions, and sports events and competitions
41 - Education, entertainment, sporting and cultural services
Goods & Services
providing facilities for sports and entertainment related events; special event, party, and wedding planning and coordination services; hosting parties and weddings; fan clubs; entertainment services, namely, providing online video games and interactive content in the nature of sweepstakes services; providing a web site through which people locate information about promotions, entertainment, events, and competitions, and sports events and competitions
36 - Financial, insurance and real estate services
Goods & Services
PROVIDING UNDERWRITlNG AND ADMINISTRATION SERVICES FOR INDIVIDUAL AND GROUP LIFE, HEALTH, HOMEOWNERS, AND AUTOMOBILE INSURANCE, ANNUITIES, AND PENSION FUNDS; RESIDENTIAL AND COMMERCIAL MORTGAGE LENDING SERVICES; REAL ESTATE BROKERAGE AND MANAGEMENT SERVICES; MUTUAL FUND BROKERAGE, BANKING AND INVESTMENT SERVICES.
A system includes one or more remote check deposit locations, and one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information.
36 - Financial, insurance and real estate services
Goods & Services
Financial and investment services, namely, management and brokerage in the fields of stocks, bonds, options, commodities, futures and other securities, and the investment of funds of others.
36 - Financial, insurance and real estate services
Goods & Services
Providing underwriting and administration services for
individual and group life, health, homeowners, and
automobile insurance, annuities, and pension funds;
residential and commercial mortgage lending services; real
estate brokerage and management services; mutual fund
brokerage and investment services.
In one aspect, the invention comprises a computer implemented method comprising: (a) determining an average monthly cost of long term care for a consumer; (b) determining an estimated total cost of long term care for the consumer; (c) receiving and storing in a computer readable medium data describing the consumer's preferences regarding long term care resources; (d) calculating with a processor an initial benefit amount for the consumer; (e) adjusting with a processor the initial benefit amount based on the data describing the consumer's preferences to determine a total benefit amount; and (f) recommending a long term care policy providing the total benefit amount to the consumer, wherein the processors may the same processor or different processors. Other aspects of the invention comprise related method, computer system, and software embodiments.
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
The disclosed technology provides systems and methods for estimating the risk of loss for a location. A computer implemented method in accordance with the disclosed technology accesses geographical characteristics associated with a geographical address, considers a plurality of perils and for each peril, computes a corresponding measure of peril that indicates a risk of loss at the geographical address from that peril. The corresponding measure of peril is computed based on the geographical characteristics associated with the geographical address. The individual measures of peril are combined to form a combined measure that indicates a combined risk of loss at the geographical address from the plurality of perils. In one embodiment, the combined measure is used to compute an insurance premium for property at the geographical address.
In one aspect, the invention comprises a computer implemented method comprising: (a) determining an average monthly cost of long term care for a consumer; (b) determining an estimated total cost of long term care for the consumer; (c) receiving and storing in a computer readable medium data describing the consumer's preferences regarding long term care resources; (d) calculating with a processor an initial benefit amount for the consumer; (e) adjusting with a processor the initial benefit amount based on the data describing the consumer's preferences to determine a total benefit amount; and (f) recommending a long term care policy providing the total benefit amount to the consumer, wherein the processors may the same processor or different processors. Other aspects of the invention comprise related method, computer system, and software embodiments.
A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.
In one aspect, the invention comprises a system for the management and administration of a longevity policy funded by a retirement account comprising: (a) a means for creating a customized longevity policy by predicting future economic performance based on client data and (b) a means of servicing the customized longevity policy. In another aspect, the invention comprises a method of funding and administering a longevity policy comprising: (a) creating a longevity policy; (b) transferring the asset fee from a retirement account to the longevity policy on a systematic basis; (c) providing statements regarding the longevity policy; (d) distributing benefit payments to the longevity policy holder on a systematic basis; (e) allowing the asset fee and starting age to be adjusted.
A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.
In one aspect, the invention comprises a system for the management and administration of a longevity policy funded by a retirement account comprising: (a) a means for creating a customized longevity policy by predicting future economic performance based on client data and (b) a means of servicing the customized longevity policy. In another aspect, the invention comprises a method of funding and administering a longevity policy comprising: (a) creating a longevity policy; (b) transferring the asset fee from a retirement account to the longevity policy on a systematic basis; (c) providing statements regarding the longevity policy; (d) distributing benefit payments to the longevity policy holder on a systematic basis; (e) allowing the asset fee and starting age to be adjusted.
A system includes one or more remote check deposit locations, and one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information.
A system for managing products comprising a plurality of components is provided. In one embodiment, the system further comprises a plurality of parameters governing the interaction among said components and an interface for receiving user input concerning said components; wherein said components and parameters are objects defined and stored externally; said parameters are defined based on possible user input concerning one or more of said components: and one or more of said components and parameters are loaded into the system, revised or removed without rewriting existing software.
A system for managing products comprising a plurality of components is provided. In one embodiment, the system further comprises a plurality of rules governing the interaction among said components and an interface for receiving user input concerning said components; wherein said components and rules are objects defined and stored externally; said rules are defined based on possible user input concerning one or more of said components; and one or more of said components and rules are loaded into the system, revised or removed without rewriting existing rules.
36 - Financial, insurance and real estate services
Goods & Services
Insurance and financial services, namely, the underwriting, brokerage and administration of life insurance plans; financial planning services through the use of an online questionnaire which helps consumers understand the most appropriate type of insurance
36 - Financial, insurance and real estate services
Goods & Services
Insurance and financial services, namely, homeowners' and automobile insurance programs that feature the rating of policyholders and providing discounts to policyholders that meet certain criteria
36 - Financial, insurance and real estate services
Goods & Services
Insurance and financial services, namely the underwriting, brokerage, management and administration of pension, retirement, and annuity plans; asset management, namely cash management, financial management, and financial portfolio management
36 - Financial, insurance and real estate services
Goods & Services
Financial services, namely, providing financial information and resources to individuals dealing with the death of a love one; Financial consultation services in the nature of providing information on employer and government death benefits, and assisting in the filing thereof
