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1. 发明授权

US07962353B1 Home resale price protection plan 有权
标题翻译：家庭转售价格保护计划
公开(公告)号：US07962353B1
公开(公告)日：2011-06-14
申请号：US12884523
申请日：2010-09-17
申请人： Steven M. Menzies , Jeffrey A. Silver , Christopher W. Overton
发明人： Steven M. Menzies , Jeffrey A. Silver , Christopher W. Overton
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q40/025
摘要： A Home Resale Price Protection Plan provides a payment to a homeowner should the homeowner have to sell his or her house at a loss. In exchange for an upfront fee, the homeowner would receive a payment for the lesser of their actual loss or the loss calculated by multiplying their original purchase price by the proportional drop in an appropriate housing price index.
摘要翻译：如果房主不得不出售房屋，家庭转售价格保护计划向房主支付款项。为了换取前期费用，房主将收到其实际损失中较小者或其原始购买价格乘以适当住房价格指数成比例下降计算的损失。

2. 发明授权

US08315889B1 Home resale value protection plan 有权
标题翻译：家庭转售价值保护计划
公开(公告)号：US08315889B1
公开(公告)日：2012-11-20
申请号：US12760629
申请日：2010-04-15
申请人： Steven M. Menzies , Jeffrey A. Silver , Christopher W. Overton
发明人： Steven M. Menzies , Jeffrey A. Silver , Christopher W. Overton
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q40/08 , G06Q50/16
摘要： A Home Resale Value Protection Plan provides a payment to a homeowner should the homeowner have to sell his or her house at a loss, wherein the loss is attributable to an overall drop in the housing market. In exchange for an upfront fee, the homeowner would receive a payment for the lesser of their actual loss or the loss calculated by multiplying their original purchase price by the proportional drop in an appropriate published house price index.
摘要翻译：家庭转售价值保护计划如果房主不得不出售房屋，则向房主付款，其中损失归因于住房市场的整体下降。为了换取前期费用，房主将收到其实际损失中较小者的损失或通过将其原始购买价格乘以适当的已发布房屋价格指数的成比例下降计算的损失。

3. 发明授权

US08285568B1 Home resale price protection plan 有权
标题翻译：家庭转售价格保护计划
公开(公告)号：US08285568B1
公开(公告)日：2012-10-09
申请号：US13110251
申请日：2011-05-18
申请人： Steven M. Menzies , Jeffrey A. Silver , Christopher W. Overton
发明人： Steven M. Menzies , Jeffrey A. Silver , Christopher W. Overton
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A Home Resale Price Protection Plan provides a payment to a homeowner should the homeowner have to sell his or her house at a loss. In exchange for an upfront fee, the homeowner would receive a payment for the lesser of their actual loss or the loss calculated by multiplying their original purchase price by the proportional drop in an appropriate housing price index.
摘要翻译：如果房主不得不出售房屋，家庭转售价格保护计划向房主支付款项。为了换取前期费用，房主将收到其实际损失中较小者或其原始购买价格乘以适当住房价格指数成比例下降计算的损失。

4. 发明授权

US07908157B1 Reinsurance participation plan 有权
标题翻译：再保险参与计划
公开(公告)号：US07908157B1
公开(公告)日：2011-03-15
申请号：US12822371
申请日：2010-06-24
申请人： Steven M. Menzies , Jeffrey A. Silver , Sidney R. Ferenc , Justin N. Smith , Sean Hughes
发明人： Steven M. Menzies , Jeffrey A. Silver , Sidney R. Ferenc , Justin N. Smith , Sean Hughes
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A reinsurance participation plan allows an insurance carrier to provide novel loss participation plans to insureds. The insurance carrier cedes a portion of the risk to a reinsurance company, such as a captive reinsurance company. The captive reinsurance carrier then enters into a contractual agreement with the insured for the participation plan, subject to the appropriate regulations for the primary line of insurance in question. The participation plan may be a non-linear participation plan, such as a curvilinear participation plan, where the non-linearities allow the plan to be offered to smaller companies than would otherwise qualify for more traditional retrospective participation plans, and to provide more advantageous plans to larger companies than they would otherwise be offered. The plans may be offered on a multi-year basis with particular diligence in informed consent for the prospective insured. Plans may be offered to small companies whose loss experience is aggregated and then divided according to relative premium amounts among the small companies such that the aggregate losses have a distribution with skewness comparable to that of a medium sized company.
摘要翻译：再保险参与计划允许保险公司向被保险人提供新的损失参与计划。保险公司将一部分风险转让给再保险公司，如专用再保险公司。然后，专用再保险业者与被保险人订立参与计划的合同协议，但须遵守相关保险一级的相关规定。参与计划可能是非线性参与计划，例如曲线参与计划，其中非线性允许向小公司提供计划，而不是否则符合更多传统的追溯参与计划的资格，并提供更有利的计划对于比其他方式提供的更大的公司。这些计划可能会在多年的时间内提供，并对未来被保险人的知情同意进行特别的努力。可以向小公司提供计划，小型公司的损失经验合计，然后根据小公司的相对保费金额分配，使总损失的分配与中型公司相当。

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