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1. 发明申请

US20120221357A1 SYSTEMS AND METHODS FOR INTELLIGENT UNDERWRITING BASED ON COMMUNITY OR SOCIAL NETWORK DATA 有权
标题翻译：基于社区或社交网络数据进行智能管理的系统和方法
公开(公告)号：US20120221357A1
公开(公告)日：2012-08-30
申请号：US13291609
申请日：2011-11-08
申请人： Jacqueline LeSage Krause , Anthony J. Grosso , David F. Peak , Eugene J. Walters
发明人： Jacqueline LeSage Krause , Anthony J. Grosso , David F. Peak , Eugene J. Walters
IPC分类号： G06Q40/08
CPC分类号： G06Q30/0282 , G06F17/3053 , G06Q40/08 , G06Q50/01 , H04L51/32
摘要： A system for underwriting using community and/or social networking based data is disclosed. In some embodiments, an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information is implemented. According to some embodiments, community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.
摘要翻译：公开了使用基于社区和/或社交网络的数据进行承保的系统。在一些实施例中，实现了通过访问和评估基于社区，基于社会和商业网络的信息来评估和定价保险单的自动保险承保平台。根据一些实施例，可以分析社区或社交网络评级数据，并且加权因子可以应用于社区或社交网络评级数据。可能至少部分地基于社区或社交网络评级数据来传送潜在实体被保险人的承保决定。

2. 发明申请

US20120072241A1 SYSTEM AND METHOD FOR ENCOURAGING SAFETY PERFORMANCE 审中-公开
标题翻译：用于增强安全性能的系统和方法
公开(公告)号：US20120072241A1
公开(公告)日：2012-03-22
申请号：US12904567
申请日：2010-10-14
申请人： Jacqueline LeSage Krause , Anthony J. Grosso , Steven P. Rippel
发明人： Jacqueline LeSage Krause , Anthony J. Grosso , Steven P. Rippel
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/02 , G06Q40/06
摘要： Systems and methods are disclosed herein for sharing of information related to insurance customers' participation in a group dividend plan. The system includes a database and a business logic processor in communication with the database. The database stores data regarding a plurality of insurance group dividend plans, including, for each plan, data about a group of customers assigned to the plan and safety data associated with each of the assigned customers. The business logic processor can obtain safety data associated with customers in the group. The business logic processor can provide the obtained safety data associated with one customer to a different customer via a social networking application or other interactive graphical user interface. The business logic processor can also determine a dividend to provide to each of a group of customers based at least partially on the safety data.
摘要翻译：本文中公开的系统和方法用于共享与保险客户参与群体分红计划相关的信息。该系统包括与数据库通信的数据库和业务逻辑处理器。数据库存储关于多个保险组分红计划的数据，包括针对每个计划，分配给分配给该计划的一组客户的数据和与每个分配的客户相关联的安全数据的数据。业务逻辑处理器可以获得与该组中的客户相关联的安全数据。业务逻辑处理器可以经由社交网络应用或其他交互式图形用户界面将获得的与一个客户相关联的安全数据提供给不同的客户。业务逻辑处理器还可以至少部分地基于安全数据来确定向一组客户中的每一个提供的红利。

3. 发明授权

US08660864B2 Systems and methods for intelligent underwriting based on community or social network data 有权
标题翻译：基于社区或社交网络数据的智能承保的系统和方法
公开(公告)号：US08660864B2
公开(公告)日：2014-02-25
申请号：US13291609
申请日：2011-11-08
申请人： Jacqueline LeSage Krause , Anthony J. Grosso , David F. Peak , Eugene J. Walters
发明人： Jacqueline LeSage Krause , Anthony J. Grosso , David F. Peak , Eugene J. Walters
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0282 , G06F17/3053 , G06Q40/08 , G06Q50/01 , H04L51/32
摘要： A system for underwriting using community and/or social networking based data includes an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information. Community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.
摘要翻译：使用基于社区和/或社交网络的数据进行承销的系统包括自动保险承保平台，用于通过访问和评估社区，基于社会和商业网络的信息来评估和定价保险单。可以分析社区或社交网络评级数据，并将加权因子应用于社区或社交网络评级数据。可能至少部分地基于社区或社交网络评级数据来传送潜在实体被保险人的承保决定。

4. 发明申请

US20130124294A1 SYSTEM AND METHOD FOR MANAGING LOYALTY PROGRAM 审中-公开
标题翻译：用于管理LOYALTY程序的系统和方法
公开(公告)号：US20130124294A1
公开(公告)日：2013-05-16
申请号：US13296921
申请日：2011-11-15
申请人： David F. Peak , Taneka L. Francis , Jacqueline LeSage Krause , Patty Ann Jensen
发明人： David F. Peak , Taneka L. Francis , Jacqueline LeSage Krause , Patty Ann Jensen
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02
摘要： Systems and methods for management of financial and insurance products held by customers in a group and for administration of a loyalty and reward program for the group. Each customer in a group has an individual customer profile, which includes information about one or more insurance products held by a customer and a reward points total associated with the one or more products held by the customer. The profiles of various customers may be compiled in group data. The group attributes may include a group reward points total, which is based on the reward points total of the customers in the group. Either the individual customer reward points totals and/or the group reward points total can be applied to various transactions to receive a reward benefit.
摘要翻译：组织客户持有的金融保险产品管理系统和方法，以及为集团管理忠诚奖励计划。组中的每个客户具有单独的客户简档，其包括关于客户持有的一个或多个保险产品的信息以及与客户持有的一个或多个产品相关联的奖励积分。各种客户的配置文件可以编成组数据。组属性可以包括组奖励点总数，其基于组中的客户的奖励积分。个人客户奖励积分总计和/或组奖励积分可以应用于各种交易以获得奖励福利。

5. 发明申请

US20130124293A1 SYSTEM AND METHOD FOR ADMINISTRATION OF LOYALTY PROGRAM 审中-公开
标题翻译： LOYALTY程序管理系统与方法
公开(公告)号：US20130124293A1
公开(公告)日：2013-05-16
申请号：US13296896
申请日：2011-11-15
申请人： David F. Peak , Taneka L. Francis , Jacqueline LeSage Krause , Patty Ann Jensen
发明人： David F. Peak , Taneka L. Francis , Jacqueline LeSage Krause , Patty Ann Jensen
IPC分类号： G06Q30/02 , G06Q40/08
CPC分类号： G06Q30/02 , G06Q40/08
摘要： Systems and methods for management of financial and insurance products held by customers in a group and for administration of a loyalty and reward program for the group. Each customer in a group has an individual customer profile, which includes information about one or more insurance products held by a customer and a reward points total associated with the one or more products held by the customer. The profiles of various customers may be compiled in group data. The group attributes may include a group reward points total, which is based on the reward points total of the customers in the group. Either the individual customer reward points totals and/or the group reward points total can be applied to various transactions to receive a reward benefit.
摘要翻译：组织客户持有的金融保险产品管理系统和方法，以及为集团管理忠诚奖励计划。组中的每个客户具有单独的客户简档，其包括关于客户持有的一个或多个保险产品的信息以及与客户持有的一个或多个产品相关联的奖励积分。各种客户的配置文件可以编成组数据。组属性可以包括组奖励点总数，其基于组中的客户的奖励积分。个人客户奖励积分总计和/或组奖励积分可以应用于各种交易以获得奖励福利。

6. 发明申请

US20120072240A1 SYSTEM AND METHOD FOR PROVIDING GROUP DIVIDENDS 有权
标题翻译：用于提供集团分类的系统和方法
公开(公告)号：US20120072240A1
公开(公告)日：2012-03-22
申请号：US12900657
申请日：2010-10-08
申请人： Anthony J. Grosso , Steven P. Rippel , Jacqueline LeSage Krause
发明人： Anthony J. Grosso , Steven P. Rippel , Jacqueline LeSage Krause
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/02 , G06Q40/06
摘要： Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.
摘要翻译：公开了向客户提供股息的系统和方法。该系统包括用于存储数据的数据库和用于确定向客户提供的红利的业务逻辑处理器。存储的数据包括在多个组派息计划之一成员资格的资格标准，分配给计划的客户的数据以及与客户相关联的保费支付。业务逻辑处理器接收与客户分配给集团股利计划资格相关的资格数据。业务逻辑处理器使用接收的数据来识别客户有资格加入的分红组计划，并将客户分配给所识别的计划。最后，业务逻辑处理器根据分配的计划计算提供给客户的股息。

7. 发明授权

US08688481B2 System and method for providing group dividends 有权
标题翻译：提供团体红利的制度和方法
公开(公告)号：US08688481B2
公开(公告)日：2014-04-01
申请号：US12900657
申请日：2010-10-08
申请人： Anthony J. Grosso , Steven P. Rippel , Jacqueline LeSage Krause
发明人： Anthony J. Grosso , Steven P. Rippel , Jacqueline LeSage Krause
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/08 , G06Q40/02 , G06Q40/06
摘要： Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.
摘要翻译：公开了向客户提供股息的系统和方法。该系统包括用于存储数据的数据库和用于确定向客户提供的红利的业务逻辑处理器。存储的数据包括在多个组派息计划之一成员资格的资格标准，分配给计划的客户的数据以及与客户相关联的保费支付。业务逻辑处理器接收与客户分配给集团股利计划资格相关的资格数据。业务逻辑处理器使用接收的数据来识别客户有资格加入的分红组计划，并将客户分配给所识别的计划。最后，业务逻辑处理器根据分配的计划计算提供给客户的股息。

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