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1. 发明授权

US08768732B2 System and method of managing an insurance scheme 有权
标题翻译：管理保险计划的制度和方法
公开(公告)号：US08768732B2
公开(公告)日：2014-07-01
申请号：US12303399
申请日：2007-05-23
申请人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
发明人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
IPC分类号： G06Q40/00
CPC分类号： G06Q10/087 , G06Q40/08
摘要： A method of managing an insurance scheme includes defining a plurality of categories of living expenses. Defining a plurality of life changing events. On the occurrence of a life changing event for an insured person of the scheme, at least partially subsidising expenses in the category of living expenses for the insured person or a nominated beneficiary of the insured person.
摘要翻译：一种管理保险方案的方法包括界定多类生活费用。定义多个改变生命的事件。在该计划的被保险人发生变更生命事件的情况下，至少部分补贴被保险人或被保险人的指定受益人的生活费用类别中的费用。

2. 发明申请

US20120310678A1 MANAGING AN INSURNACE PLAN 审中-公开
标题翻译：管理保险计划
公开(公告)号：US20120310678A1
公开(公告)日：2012-12-06
申请号：US13486002
申请日：2012-06-01
申请人： Adrian Gore , Herschel Phillip Mayers
发明人： Adrian Gore , Herschel Phillip Mayers
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： Managing an insurance plan includes receiving data relating to a life insurance policy of an insured person, the life insurance policy relating to in the event of the insured person dying, paying a predetermined amount to beneficiaries nominated in terms of the life insurance policy. Data relating to the occurrence of an insured event to the insured person is received, the insured event being an event other than dying. On the occurrence of the insured event, data is transmitted, including an instruction to pay an amount of funds to the insured person and reducing the predetermined amount to be paid to the beneficiaries nominated in the terms of the life insurance policy upon the death of the insured person, by an amount related to the amount of funds paid to the insured person for the insured event.
摘要翻译：管理保险计划包括接受与被保险人的人寿保险有关的数据，与被保险人死亡有关的人寿保险单，按照人寿保险方式向受益人支付预定金额。收到与被保险人发生投保事项有关的资料，被保险人事件除死亡事件外。在保险事故发生的情况下，传送数据，包括向被保险人支付一定数额的资金的指示，并将在人寿保险单上指定的受益人的预定金额减少被保险人的金额与被保险人向受保人支付的金额相关的金额。

3. 发明授权

US08326655B2 System and method of managing an insurance scheme 有权
标题翻译：管理保险计划的制度和方法
公开(公告)号：US08326655B2
公开(公告)日：2012-12-04
申请号：US12477213
申请日：2009-06-03
申请人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
发明人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/08
摘要： A system for managing an insurance scheme includes a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A calculation module alters the at least one benefit based on a) a time factor; and b) the life impact of the insured event on the insured person. An awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.
摘要翻译：一种用于管理保险方案的系统包括一个利益模块，用于为被保险人定义至少一个保险事件，并定义在发生其中一个被保险事件时要支付的至少一个利益。计算模块基于a）时间因素来改变至少一个益处; 和b）被保险事件对被保险人的生命影响。在发生至少一个被保险事件的情况下，向被保险人提供至少一个改变的利益的奖励模块。

4. 发明授权

US08131568B2 Method and system for operating an insurance program to insure a performance bonus of a person 有权
标题翻译：运行保险计划以确保个人表现奖金的方法和系统
公开(公告)号：US08131568B2
公开(公告)日：2012-03-06
申请号：US12721619
申请日：2010-03-11
申请人： Adrian Gore , Herschel Phillip Mayers
发明人： Adrian Gore , Herschel Phillip Mayers
IPC分类号： G06Q10/00 , G06Q50/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06F19/00 , G06Q30/02 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： A method, information processing system, and computer readable storage medium operate an insurance program to insure a performance bonus of an insured person against an insured event. A set of percentage bonus information is received. The set of performance bonus information indicates a percentage of an annual salary that is received by the insured person as a performance bonus in a predetermined prior period. In addition, a set of health program status information is received and associated with the insured person. At least the set of percentage bonus information and the set of health program status information are used to determine a portion or more of an annual salary of the insured person payable as an insured performance bonus in the event of the insured event.
摘要翻译：一种方法，信息处理系统和计算机可读存储介质操作保险程序以确保被投保人针对被保险事件的表现奖励。收到一组百分比红利信息。一组表现奖励信息表示被保险人在预定的上一期间收到的年薪的百分比作为表现奖金。另外，收到一组健康计划状态信息并与被保险人相关联。至少使用一组百分比奖励信息和一套健康计划状态信息来确定被保险人的年薪的一部分或更多，作为投保事件发生的保险业绩奖金。

5. 发明申请

US20100023354A1 SYSTEM AND METHOD OF MANAGING AN INSURANCE SCHEME 有权
标题翻译：管理保险计划的制度与方法
公开(公告)号：US20100023354A1
公开(公告)日：2010-01-28
申请号：US12303399
申请日：2007-05-23
申请人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
发明人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
IPC分类号： G06Q40/00
CPC分类号： G06Q10/087 , G06Q40/08
摘要： A method of managing an insurance scheme includes defining a plurality of categories of living expenses. Defining a plurality of life changing events. On the occurrence of a life changing event for an insured person of the scheme, at least partially subsidising expenses in the category of living expenses for the insured person or a nominated beneficiary of the insured person.
摘要翻译：一种管理保险方案的方法包括界定多类生活费用。定义多个改变生命的事件。在该计划的被保险人发生变更生命事件的情况下，至少部分补贴被保险人或被保险人的指定受益人的生活费用类别中的费用。

6. 发明申请

US20090299776A1 SYSTEM AND METHOD OF MANAGING AN INSURANCE SCHEME 有权
标题翻译：管理保险计划的制度与方法
公开(公告)号：US20090299776A1
公开(公告)日：2009-12-03
申请号：US12477213
申请日：2009-06-03
申请人： Adrian GORE , Herschel Phillip MAYERS , Kenneth Steven RABSON
发明人： Adrian GORE , Herschel Phillip MAYERS , Kenneth Steven RABSON
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/08
摘要： A system for managing an insurance scheme includes a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A calculation module alters the at least one benefit based on a) a time factor; and b) the life impact of the insured event on the insured person. An awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.
摘要翻译：一种用于管理保险方案的系统包括一个利益模块，用于为被保险人定义至少一个保险事件，并定义在发生其中一个被保险事件时要支付的至少一个利益。计算模块基于a）时间因素来改变至少一个益处; 和b）被保险事件对被保险人的生命影响。在发生至少一个被保险事件的情况下，向被保险人提供至少一个改变的利益的奖励模块。

7. 发明申请

US20130318008A1 SYSTEM FOR MANAGING RETIREMENT INCOME AND A METHOD THEREOF 审中-公开
标题翻译：管理退休收入的制度及其方法
公开(公告)号：US20130318008A1
公开(公告)日：2013-11-28
申请号：US13996058
申请日：2011-06-30
申请人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
发明人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： A method and system for managing a retirement income fund includes recording a starting value of a retirement investment for an investor and calculating based on the starting value a guaranteed periodic income amount that the investor will receive for the rest of their life. A selection is received from the investor of at least one investment fund and of a periodic withdrawal amount. Based on the performance of the at least one investment fund, upper and lower parameters for the periodic withdrawal amount are calculated. The guaranteed periodic income amount is recalculated whereby if the selected periodic withdrawal amount is lower than the lower parameter then the guaranteed periodic income amount is increased, if the periodic withdrawal amount is higher than the upper parameter then the guaranteed periodic income amount is decreased and if the periodic withdrawal amount is between the upper and lower parameters then the guaranteed periodic income amount is left the same. The selected periodic withdrawal amount is periodically paid to the investor and the value of the retirement investment is recalculated based on the performance of the at least one investment fund and reducing the value of the retirement investment by the periodic withdrawal amount. If the value of the retirement investment has reached zero then ceasing to pay to the investor the periodic withdrawal amount but thereafter periodically paying the guaranteed periodic income amount. Finally, on the death of the investor, determining the value of the retirement investment and if this is greater than zero then paying to at least one beneficiary of the investor the value and ceasing to pay any further periodic amounts.
摘要翻译：用于管理退休收入基金的方法和系统包括记录投资者的退休投资的起始价值，并根据起始价值计算投资者在其余生命中将获得的有保证的定期收入金额。从投资者收到至少一个投资基金和定期提款金额的选择。根据至少一个投资基金的表现，计算定期提取金额的上下参数。重新计算确定的定期收入金额，如果选定的定期提款额低于较低的参数，则保证的定期收入金额增加，如果定期提款额高于上限，则保证的定期收入金额减少，定期提款量在上限和下限之间，则保证的定期收入金额保持不变。选定的定期提款额定期支付给投资者，并根据至少一个投资基金的表现重新计算退休投资的价值，并通过定期提取金额降低退休投资的价值。如果退休投资的价值达到零，则不再向投资者支付定期提款金额，而是定期支付保证的定期收入金额。最后，在投资者死亡时，确定退休投资的价值，如果这个大于零，那么向投资者的至少一个受益人支付价值，不再支付任何进一步的定期金额。

8. 发明申请

US20120203710A1 SYSTEM AND METHOD OF MANAGING AN INVESTMENT ON BEHALF OF AN INVESTOR 审中-公开
标题翻译：管理投资者投资的制度与方法
公开(公告)号：US20120203710A1
公开(公告)日：2012-08-09
申请号：US13365430
申请日：2012-02-03
申请人： Kenneth Steven RABSON , Adrian Gore , Herschel Phillip Mayers
发明人： Kenneth Steven RABSON , Adrian Gore , Herschel Phillip Mayers
IPC分类号： G06Q40/06
CPC分类号： G06Q40/06
摘要： A method and a system for managing an investment on behalf of an investor includes a monitoring module to monitor the performance of an investment over a period of time, the investment being an investment managed by an investment manager on behalf of an investor. A comparator module compares the performance of the investment with the performance of other similar types of investments for the period of time and a booster module to determine an extra payment from the investment manager to the investor in the event that the performance of the investment is not as good as the performance of the other similar types of investments for the period of time. A payments module effects the extra payment from the investment manager to the investor.
摘要翻译：代表投资者管理投资的方法和系统包括监控模块，用于监控一段时间内投资的表现，投资是由投资经理代表投资者管理的投资。比较模块将投资绩效与其他类似投资类型的投资时间进行比较，以及增强模块，以确定投资经理对投资者的额外付款，如果投资的表现不是与其他类似类型的投资在一段时间内的表现一样好。付款模块会将投资经理的额外付款付给投资者。

9. 发明授权

US08190455B2 Managing an insurance plan 有权
标题翻译：管理保险计划
公开(公告)号：US08190455B2
公开(公告)日：2012-05-29
申请号：US12477208
申请日：2009-06-03
申请人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
发明人： Adrian Gore , Herschel Phillip Mayers , Kenneth Steven Rabson
IPC分类号： G06Q10/00 , G06Q50/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06F19/00 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： A system for managing an insurance scheme, the system including a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A monitoring module monitors the compliance of the insured person with a wellness program. A calculation module alters the at least one benefit based on the degree of participation of the insured person with the wellness programme and an awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.
摘要翻译：一种用于管理保险方案的系统，所述系统包括为被保险人定义至少一个保险事件的利益模块，并且在发生一个被保险事件时定义至少一个待补偿的利益。监控模块监控受保人与健康计划的合规性。计算模块根据被保险人参与健康计划的程度来改变至少一个福利，并且在所发生的至少一个被保险事件时，向受保人提供至少一个改变的利益的奖励模块。

10. 发明申请

US20100250281A1 METHOD AND SYSTEM FOR OPERATING AN INSURANCE PROGRAM TO INSURE A PERFORMANCE BONUS OF A PERSON 有权
标题翻译：运营保险计划以确保个人执行奖金的方法和系统
公开(公告)号：US20100250281A1
公开(公告)日：2010-09-30
申请号：US12721619
申请日：2010-03-11
申请人： Adrian GORE , Herschel Phillip MAYERS
发明人： Adrian GORE , Herschel Phillip MAYERS
IPC分类号： G06Q40/00 , G06Q50/00 , G06Q10/00
CPC分类号： G06Q40/00 , G06F19/00 , G06Q30/02 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： A method, information processing system, and computer readable storage medium operate an insurance program to insure a performance bonus of an insured person against an insured event. A set of percentage bonus information is received. The set of performance bonus information indicates a percentage of an annual salary that is received by the insured person as a performance bonus in a predetermined prior period. In addition, a set of health program status information is received and associated with the insured person. At least the set of percentage bonus information and the set of health program status information are used to determine a portion or more of an annual salary of the insured person payable as an insured performance bonus in the event of the insured event.
摘要翻译：一种方法，信息处理系统和计算机可读存储介质操作保险程序以确保被投保人针对被保险事件的表现奖励。收到一组百分比红利信息。一组表现奖励信息表示被保险人在预定的上一期间收到的年薪的百分比作为表现奖金。另外，收到一组健康计划状态信息并与被保险人相关联。至少使用一组百分比奖励信息和一套健康计划状态信息来确定被保险人的年薪的一部分或更多，作为投保事件发生的保险业绩奖金。

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