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1. 发明申请

US20130103430A1 METHOD OF MANAGING AN INSURANCE SCHEME AND A SYSTEM THEREOF 审中-公开
标题翻译：管理保险计划的方法及其制度
公开(公告)号：US20130103430A1
公开(公告)日：2013-04-25
申请号：US13638608
申请日：2011-03-29
申请人： Adrian Gore , Barry Swartzberg
发明人： Adrian Gore , Barry Swartzberg
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： A system and method for managing an insurance scheme including receiving data relating to homeowner behaviour. The data is analysed to determine the manner in which the homeowner has behaved for a past predetermined period and the analysed data is then used to determine one or more obligations of the homeowner to the insurer. The obligations may include the amount of a premium to be paid to the insurer for the insurance and/or the amount of the excess to be paid by the homeowner in the event of a claim to the insurer.
摘要翻译：一种用于管理保险方案的系统和方法，包括接收与房主行为相关的数据。分析数据以确定房主在过去的预定时间段内的行为方式，然后使用分析的数据来确定房主对保险人的一个或多个义务。义务可以包括在向保险人提出索赔的情况下向保险人支付的保险金额和/或由业主支付的超额金额。

2. 发明授权

US08131570B2 Managing the business of a medical insurance plan 有权
标题翻译：管理医疗保险计划的业务
公开(公告)号：US08131570B2
公开(公告)日：2012-03-06
申请号：US09982274
申请日：2001-10-17
申请人： Ryan Lance Levin , Adrian Gore , Neville Stanley Koopowitz
发明人： Ryan Lance Levin , Adrian Gore , Neville Stanley Koopowitz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06F19/00 , G06F19/328 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： The method of the invention provides incentives for medical scheme members to minimize medical expenses both by responsible use of the benefits of the scheme, and also by offering positive incentives to members to adopt a healthy lifestyle and to make use of preventative procedures and pretreatment medical advice facilities. A number of health-related facilities and/or services (such as membership of health clubs, gymnasiums or fitness programs) are offered to the medical scheme members, and the members are allocated points for using these facilities. Members are also allocated points for using predetermined preventive medical procedures and medical advice services. Rewards are allocated to members based on their points accrued, and the reward may include a payback of premium payments.
摘要翻译：本发明的方法为医疗计划成员提供激励，以通过负责任地利用该计划的利益来最小化医疗费用，并且通过提供积极的激励措施，使成员采取健康的生活方式，并利用预防程序和预处理医疗咨询设备。向医疗计划成员提供一些与健康有关的设施和/或服务（如健康俱乐部，体育馆或健身计划的会员），并为成员分配使用这些设施的点数。会员也被分配使用预定的预防医疗程序和医疗咨询服务。奖励将根据积分分配给会员，奖励可能包括保险费的回报。

3. 发明申请

US20100049541A1 METHOD OF MANAGING THE WELLNESS OF AN ORGANISATION AND A SYSTEM THEREFOR 审中-公开
标题翻译：管理组织的健康的方法及其系统
公开(公告)号：US20100049541A1
公开(公告)日：2010-02-25
申请号：US12441447
申请日：2007-09-18
申请人： Alan Pollard , Craig Nossel
发明人： Alan Pollard , Craig Nossel
IPC分类号： G06Q50/00 , G06Q10/00
CPC分类号： A61B5/00 , A61B5/02 , A61B5/14532 , A61B5/4869 , G06Q50/22
摘要： A method of managing the wellness of an organisation includes providing members of the organisation with access to a plurality of wellness related facilities and/or services and monitoring a plurality of wellness related criteria of the organisation. In addition, awarding the organisation with an award depending on the results of the monitoring of the plurality of wellness related criteria and awarding members of the organisation with an award depending on the results of the monitoring of the plurality of wellness related criteria.
摘要翻译：管理组织的健康的方法包括向组织的成员提供对多个健康相关设施和/或服务的访问并监视组织的多个健康相关标准。此外，根据监测多个健康相关标准的结果，授予组织奖励，并根据监测多个健康相关标准的结果向组织的成员颁发奖励。

4. 发明申请

US20100023384A1 SYSTEM AND METHOD FOR REWARDING EMPLOYEES OF AN ORGANISATION 审中-公开
标题翻译：组织机构员工的系统和方法
公开(公告)号：US20100023384A1
公开(公告)日：2010-01-28
申请号：US12442549
申请日：2007-09-26
申请人： Alan Pollard , Adrian Gore
发明人： Alan Pollard , Adrian Gore
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q90/00 , G06Q10/06398 , G06Q30/0207 , G06Q30/0208 , G06Q30/0218
摘要： A system and method of rewarding employees of an organisation are provided. The method includes awarding points to an employee for participation in a plurality of program areas. The total points awarded to the employee for a predetermined period is then calculated and the employee is rewarded with at least one reward depending on the total points awarded to the employee.
摘要翻译：提供了一个奖励组织雇员的制度和方法。该方法包括向员工颁发参与多个程序区域的积分。然后计算给予该雇员预定期间的总分数，并且根据授予雇员的总分数，员工至少奖励一个奖励。

5. 发明申请

US20090299774A1 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：US20090299774A1
公开(公告)日：2009-12-03
申请号：US12477189
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 calculation module to, on the occurrence of an insured event for an insured person, calculate a subsidy for expenses for the insured person or a nominated beneficiary. The subsidy is calculated by accessing data defining a plurality of categories of expenses and determining for each category a spend amount. The spend amount is either an average historical spend amount over a period of time prior to the insured event or an actual spend amount for a period of time after the insured event. A percentage is then calculated using the insured person's participation with a wellness programme. Finally, the amount of the subsidy is calculated by multiplying the percentage by the spend amount. A payment module effects payment of the subsidy to the insured person, the nominated beneficiary or a third party goods or services provider.
摘要翻译：一种用于管理保险计划的系统包括计算模块，用于在被保险人的投保事件发生时计算被保险人或指定受益人的费用补贴。通过访问定义多个类别的费用的数据来计算补贴，并为每个类别确定支出金额。支出金额是保险事故发生前一段时间内的平均历史支出金额，也可以是投保事件一段时间后的实际支出金额。然后使用保险人参与健康计划计算一个百分比。最后，通过将百分比乘以支出金额计算补贴金额。支付模块对被保险人，指定受益人或第三方货物或服务提供者支付补贴。

6. 发明申请

US20090299773A1 SYSTEM AND METHOD OF MANAGING AN INSURANCE SCHEME 审中-公开
标题翻译：管理保险计划的制度与方法
公开(公告)号：US20090299773A1
公开(公告)日：2009-12-03
申请号：US12477179
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 monitoring module monitors any interest rate increases or decreases as set by a financial institution. A calculation module alters the at least one benefit based on any monitored change in interest rate, wherein the amount of the altering is related to the amount of the increase or decrease of the interest rate 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。监控模块监控金融机构设定的任何利率上升或下降。计算模块基于任何监测的利率变化来改变至少一个利益，其中所述变更的金额与所述利率的增加或减少的数额以及奖励模块相关，在至少发生一个投保事件，为被保险人提供至少一个改变的利益。

7. 发明申请

US20130231963A1 METHOD OF MANAGING AN INSURANCE PLAN AND A SYSTEM THEREFOR 审中-公开
标题翻译：管理保险计划的方法及其制度
公开(公告)号：US20130231963A1
公开(公告)日：2013-09-05
申请号：US13782203
申请日：2013-03-01
申请人： DISCOVERY HOLDINGS LIMITED
发明人： Adrian GORE , Herschel Phillip MAYERS
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： An insurance plan implemented by a computer system receives an insured person's selection of an insured event and an insured amount to be paid on the occurrence of the insured event. Information is also received pertaining to an ancillary insured event and an ancillary amount to be paid on the occurrence of the ancillary insured event. Software calculates an increase in the ancillary amount to be paid on the occurrence of the ancillary insured event, the increase based on a ratio of the ancillary amount to the first insured amount. A premium is calculated using the first insured amount and the ancillary amount, and not the increase in the ancillary amount. Payment is made to the insured person if a first insured event has occurred, and is the increased ancillary payment amount if an ancillary insured event has occurred.
摘要翻译：由计算机系统实施的保险计划得到被保险人对被保险人事件的选择以及被保险事项发生时支付的被保险金额。还收到了关于辅助保险事件的信息以及在辅助保险事件发生时支付的辅助金额。软件计算在辅助保险事件发生时支付的辅助金额增加，按照辅助金额与第一笔保险金额的比例计算。使用第一保险金额和配额计算溢价，而不是辅助金额的增加。如果第一次投保事件发生，则向受保人支付费用，如果发生辅助保险事故，则为辅助支付金额。

8. 发明申请

US20130085819A1 METHOD OF MANAGING A DRIVER REWARDS PROGRAMME AND A SYSTEM THEREFOR 审中-公开
标题翻译：管理驱动程序奖励计划的方法及其系统
公开(公告)号：US20130085819A1
公开(公告)日：2013-04-04
申请号：US13641155
申请日：2011-04-14
申请人： Adrian Gore , Barry Swartzberg
发明人： Adrian Gore , Barry Swartzberg
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q30/0207 , G06Q40/08
摘要： A method and system for managing a driver rewards programme includes receiving data including information relating to the compliance of a driver in at least one of a plurality of programme areas related to motor vehicle driver behaviours and storing the data in a database. Points are awarded to the driver wherein the points awarded are related to the compliance of the driver in the at least one programme area. Finally, the points awarded are used to determine a reward for the driver wherein the reward is a fuel related reward.
摘要翻译：一种用于管理驾驶员奖赏计划的方法和系统，包括接收数据，该数据包括有关驾驶员在与机动车辆驾驶员行为相关的多个程序区域中的至少一个中的符合性的信息，并将数据存储在数据库中。点数被授予驾驶员，其中所奖励的点与驾驶员在至少一个程序区域中的符合性有关。最后，奖励积分用于确定司机的奖励，其中奖励是燃料相关奖励。

9. 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。

10. 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。

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