Pre-Grant Publication Number: 20090055227
Please help the USPTO examine the application by evaluating the relevance of the publicly submitted prior art to the patent application.
Peer To Patent forwards the Top 10 most relevant prior art submissions and their annotations to the USPTO.
Review this prior art and click on the thumbs up (or down) to indicate whether this submission should be forwarded to the USPTO.
If you login then you can add an annotation by typing in the box at the bottom of the screen to comment on the relevance of the prior art to the claims of the patent application.
Review this prior art and click on the thumbs up (or down) to indicate whether this submission should be forwarded to the USPTO.
If you login then you can add an annotation by typing in the box at the bottom of the screen to comment on the relevance of the prior art to the claims of the patent application.
Prior Art Detail
Summary / Description
| Summary / Description | A system and a method…….involved in the underwriting of insurance applications by an …. management system website contactable by a user system, …………………., an electronic communication interface adapted to interface with the user's email facility and a report generation component adapted to generate various reports from the data wherein in operation,; by logging onto the website and following instructions provided, the user having access to the information and data can generate various reports on each client. |
Basic Information
| Type of Prior Art | Issued Patents - US |
| Country | United States of America |
| Patent/Application # | WO02084520 |
| Kind Code | World Intellectual Proper... - Publ.of the Int.Appl. with Int... - A1 |
| Patentee Name | JONES LESLIE FREDERICK STUART [AU] |
| Relevant Pages, Columns, or Lines | Claim 1 |
| URL | http://tiny.cc/4TZAs |
| Filing Date | April 16, 2002 |
| Additional Information | |
Notes / To Do
| Notes | |
Excerpt
Excerpt CLAIMS
1. An Internet based integrated management system for workflow involved in the underwriting of insurance applications including in combination: the webserver hosting a website contactable by a user system, the server including a web browser to access information on the server, the server's central processor interfacing with a user identification component adapted to identify the user via a user password or other security device, the user identification component adapted to provide tiered access to stored information inclusive of client data, various functions and various site branding, a database component adapted to store client personal, policy and potential claims management data, a database management component adapted to allow input and retrieval of the data stored on the database including the acceptance of data transferred from other database systems, an electronic communication interface adapted to interface with the user's standard external email facility and/or the user's internal email facility, and a report generation component adapted to generate various reports from the data held in respect of clients, wherein in operation, by logging onto the website and following instructions provided, the user having access to the information and data can view the information and data and generate various reports on each client via a user base system.
6. An Internet based integrated management system as claimed in any one of the above claims, which includes the ability to process data inclusive of pathology test results, other medical test data, other risk specific underwriting requirements including client questionnaires and third party sourced financial information.
|
Relevance
Claims
1
Relevance
An Internet based integrated management system for workflow involved in the underwriting of insurance applications including in combination: the webserver hosting a website contactable by a user system, the server including a web browser to access information on the server, the server's central processor interfacing with a user identification component adapted to identify the user via a user password or other security device, the user identification component adapted to provide tiered access to stored information inclusive of client data, various functions and various site branding, a database component adapted to store client personal, policy and potential claims management data, a database management component adapted to allow input and retrieval of the data stored on the database including the acceptance of data transferred from other database systems, an electronic communication interface adapted to interface with the user's standard external email facility and/or the user's internal email facility, and a report generation component adapted to generate various reports from the data held in respect of clients, wherein in operation, by logging onto the website and following instructions provided, the user having access to the information and data can view the information and data and generate various reports on each client via a user base system.
[Thus, the system of WO02084520 discloses a report generation capability depending upon data relating to various clients. This ability of the WO02084520 maps on to the second aspect of claim 1 of the current application i.e. to provide a life or health expectancy report containing suggestions. The WO02084520 mentions generation of ‘various data’ whose non-limiting scope may include report relating to suggestion for improving life or health expectancy]
An Internet based integrated management system for workflow involved in the underwriting of insurance applications including in combination: the webserver hosting a website contactable by a user system, the server including a web browser to access information on the server, the server's central processor interfacing with a user identification component adapted to identify the user via a user password or other security device, the user identification component adapted to provide tiered access to stored information inclusive of client data, various functions and various site branding, a database component adapted to store client personal, policy and potential claims management data, a database management component adapted to allow input and retrieval of the data stored on the database including the acceptance of data transferred from other database systems, an electronic communication interface adapted to interface with the user's standard external email facility and/or the user's internal email facility, and a report generation component adapted to generate various reports from the data held in respect of clients, wherein in operation, by logging onto the website and following instructions provided, the user having access to the information and data can view the information and data and generate various reports on each client via a user base system.
[Thus, the system of WO02084520 discloses a report generation capability depending upon data relating to various clients. This ability of the WO02084520 maps on to the second aspect of claim 1 of the current application i.e. to provide a life or health expectancy report containing suggestions. The WO02084520 mentions generation of ‘various data’ whose non-limiting scope may include report relating to suggestion for improving life or health expectancy]
Claim Chart
All
4
Relevance
http://www.answers.com/topic/mortality-savings
[This act of associating mortality savings in relation to levying premium discounts based on improved by said insurance company is well-known in the science of actuary, and is a logical measure of providing a business plan for the insurance company]
http://www.answers.com/topic/mortality-savings
[This act of associating mortality savings in relation to levying premium discounts based on improved by said insurance company is well-known in the science of actuary, and is a logical measure of providing a business plan for the insurance company]
Claim Chart
All
0 days left
