WO2006029283A2 - System for searching and solving for insurance products - Google Patents
System for searching and solving for insurance products Download PDFInfo
- Publication number
- WO2006029283A2 WO2006029283A2 PCT/US2005/032033 US2005032033W WO2006029283A2 WO 2006029283 A2 WO2006029283 A2 WO 2006029283A2 US 2005032033 W US2005032033 W US 2005032033W WO 2006029283 A2 WO2006029283 A2 WO 2006029283A2
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- products
- insurance
- product
- financial
- series
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
Definitions
- the present invention relates to evaluating insurance products. More specifically, the system relates to using software and computer systems to evaluate a group of insurance products based on a common derived set of output metrics. Discussion of the Related Art
- the financial services industry consists of industry segments such as insurance and banking.
- the insurance industry consists of industry segments such as life insurance, health insurance, and property and casualty insurance.
- the life insurance industry includes product markets such as term life insurance, universal life insurance, variable life insurance, annuities, joint products, viatical settlements, preneed insurance, and long-term care insurance.
- Insurance carriers sell life insurance products through various distribution channels such as captive agents, independent agents, banks, affinity groups, and financial planners.
- the present invention is directed to searching and searching and solving for the highest scoring insurance products that substantially obviates one or more of the problems due to limitations and disadvantages of the related art.
- An advantage of the present invention is to provide a system and method for evaluating insurance products that is based on precise information about the user rather than generalizations or approximations.
- Another advantage of the present invention is to provide a score for comparing insurance products in which the score is based on the precise information about the user and the financial information about the policy as it relates to that user.
- a method for evaluating insurance products includes storing at least one illustration engine in a database corresponding to an insurance product; selecting a group of products for evaluation; determining a set of input fields based on the required inputs of each of the illustration engines corresponding to each selected product; obtaining input data for each of said input fields through a user interface; running at least those illustration engines that correspond to the selected products to obtain a plurality of output metrics and their corresponding values for each of said products; and scoring said products based on a predetermined scoring algorithm.
- At least one of the output metrics is a common output metric obtained for each illustration engine.
- the algorithm scores said products based at least upon said common output metric.
- a system for scoring and evaluating insurance products includes a database or illustration engine bank; a plurality of illustration engines stored in said database, each of said illustration engines corresponding to an insurance product; a set of inputs common to a plurality of illustration engines in said database, each of said illustration engines determining a set of output metrics based on said inputs, said set of output metrics being common to all illustration engines; and a product score for a product based on a weighted average determined by relating at least one output metric to the value of the corresponding output metric determined by another illustration engine.
- FIG. l is a flow chart illustrating the operation of the evaluation system according to an embodiment of the present invention.
- FIG. 2 is a flow chart illustrating the operation of the illustration engines in an aspect of an embodiment of the present invention.
- FIGS. 3A-3B illustrate sample output reports according to an aspect of an embodiment of the present invention.
- the present invention is suitable for evaluating any type of financial product, including but not limited to annuities, life, accident, long-term care, disability, health, property and casualty, liability, and malpractice insurance; mortgages, certificates of deposit, derivatives, or any financial product generally that may be reduced, represented by, or modeled as a series of cash flows.
- financial product including but not limited to annuities, life, accident, long-term care, disability, health, property and casualty, liability, and malpractice insurance; mortgages, certificates of deposit, derivatives, or any financial product generally that may be reduced, represented by, or modeled as a series of cash flows.
- the examples and embodiment discussed herein relate to insurance products, but it is understood that the system and method of the present invention may be applied to other financial products as well.
- Figure 1 illustrates flow diagram according to an exemplary embodiment of the present invention in which insurance products are being evaluated.
- the system is provided with a series, database, or bank of insurance product illustration engines, a means for accepting information about a customer scenario, a means for accepting information about products to display on a report, means for processing the scenario and output from the illustration engines, and a means for displaying a report.
- Such means may include computers and computer networks, for example, including but not limited to desktop computers, handheld computing devices, client-server networks, mainframes, or the like.
- the illustration engines are software that processes the policy scenario against the details of a particular product to yield a series of cash values for each year.
- the illustration engines illustrate insurance products from a wide variety of carriers.
- the bank may include illustration engines for all or nearly all of the products on the market, or for all of a single particular type of insurance product, or for products from a single carrier.
- the output of the illustration engines is a series of values (for example, premium, death benefit, and total cash surrender value) for each year, for each product.
- decrements may be applied to these cash values to obtain a series of cash flows.
- the decrements which may be derived from mortality or lapse tables, or both, represent the probability of death, probability of lapse, and probability of persistence (that the customer will stay with the policy and not die or lapse). Applying one or more of these the decrements to the values for each of the products that are output by the illustration engines results in a series of cash flows for each product, the elements of the cash flow being death benefit, premium, and cash value.
- step 101 information about the products to be reported on is input into the evaluation system.
- the user may be presented with options to select all of the products from a particular carrier, hi another aspect of this embodiment, the universe of products from which the user selects may be limited based on a user's access level, those products which they are licensed to sell, or based on a contractual obligation.
- the system Based on the products selected for evaluation, the system identifies all of the input fields for the customer and policy scenario. This includes information that may be required for all products, such as age and sex, as well as financial circumstances. For example, part of the customer information may include information about loans or withdrawals from the policy.
- the system identifies all of the input fields needed for all of the selected products and presents them for the user's input at one time. This way, the user is not asked to input any information more than once, and nor is the user required to input information that is unnecessary.
- the user enters all of the information about the customer at step 103, and starts the searching and solving process.
- Each product is scored by running information from the customer scenario through the illustration engine at step 200, taking that output to obtain a series of cash flows for each product which are then used in step 104 to rank and rate the products. This scoring process will be discussed in greater detail with reference to Figures 2 and 3.
- the system presents the results in a user-friendly format at step 106.
- This format may include charts, graphs, diagrams or a printed report, such as the exemplary reports illustrated in Figures 3 A and 3B, or interactive screens and spreadsheets which can be further manipulated.
- the system may allow the user to re-score the products at step 108 by adjusting the weightings of the output scoring components or by discounting some components altogether, based on user or customer preference.
- Figure 2 illustrates the evaluation process step 200 of Figure 1 in more detail.
- related art insurance comparison schemes rely on static product data to compare products, stored as insurance tables or static fields in a database
- the present invention is able to provide a more accurate comparison and evaluation by relying on an illustration engine for each product.
- Each illustration engine is an algorithm or software program that operates on the input data according to the features of the policy.
- the illustration engines are not limited to user input in the form of to stored data tables that only approximate a customer's demographic information.
- the illustration engines and the algorithms and software that drive them, return a set of data including premium, death benefit, and cash value.
- the illustration engines must output the same data, or at least a common set of data, hi practice it is convenient to select as the
- the illustration engine output for the illustration engine the cash value, death benefit, and premium information.
- the illustration engine output may use some industry standard data.
- the illustration engines themselves may be provided to the system by the insurance company itself or a third party.
- Figure 2 illustrates the process to evaluate the products using the illustration engines according to an aspect of a first exemplary embodiment of the present invention.
- mortality table 201 and lapse table 202 are used to compile a decrements table 203 that represents the probability of death, probability of lapse, and probability of persistence (that the customer will stay with the policy and not die or lapse).
- the illustration engine for each product is run at step 204 based on the user information supplied in step 103 in Figure 1.
- the system runs only those illustration engines that were selected for comparison.
- the system runs all of the engines in the database, but returns scores only for those selected.
- the system runs all of the engines in the database, scores all of the policies, but only reports on a small subset of those policies.
- the system of the present invention may run each illustration engine in turn, in a sequential or serial process, or it may run two or more, or all, or the illustration engines at once in a parallel process.
- the illustration engines perform operations and calculations on the customer scenario input data at step 204 to return the set of death benefits, premiums, and cash values for each year for each policy, to which are applied the decrements in order to obtain a series of cash flows at step 205. Then the decrements from step 203 are applied to the illustration engine output from step 205 to produce a series of cash flows at step 206.
- the system may apply closing cost data, taxes, and fees based on the particularities of real estate law in the jurisdiction in which the mortgage borrowing tends to purchase real estate to the output of the illustration engine (which in the case of mortgages may be an amortization table or a series of cash flows derived from an amortization table).
- the policies can be scored.
- statistical, mathematical, and financial operations may be performed on the series of cash flows, or qualitative indicators may be derived from the policies to obtain qualitative or quantitative scoring components at step 207 that may then be combined into scores at step 208.
- the products or policies are ranked based on the scores in step 104 as noted above.
- the scoring components are policy value, sensitivity, and carrier rating. Each of these scoring components may themselves have one or more scoring subcomponents.
- the policy value which measures a policy's expected value for money using current interest and dividend rates, may be determined based on the internal rate of return that is calculated from the series of cash flows for each policy.
- the sensitivity which evaluates the impact of factors such as interest rate changes, penalties for early termination and policy design on the policy may be a derived from a combination of components that are in part based on the series of cash flows but also based on information about the particular insurance product such as efficiency, lapse sensitivity, no lapse guarantee, disclosure, interest guarantee, and maturity date.
- the carrier rating may be derived from a qualitative scoring component may be the carrier rating of the carrier as represented by an industry wide rating.
- the carrier rating may be represented by a Moody' s or a Standard & Poor's (S&P) financial strength rating.
- the scoring for a calculated value such as rate of return may use the value of the internal rate of return, as-is, or for an easier to read and more customer friendly report, a single digit value may be assigned to all policies based on the range in which the internal rate of return for that policy falls. Scoring subcomponents may be assigned scores in a similar fashion. For example, efficiency, which is determined by subtracting the internal rate of return from the credited rate of the policy, may be assigned a single digit score base on the range in which that value falls.
- policies may receive a score of 5 for policy value if the internal rate of return is two standard deviations above the mean of all of the policies, a score of 4 for policy value if the internal rate of return is more than one standard deviations above the mean, a score of 3 for policy value if the internal rate of return is less than one standard deviation above or greater than one standard deviation below the mean, a score of 2 if the internal rate of return is less than one standard deviation below the mean, and a score of 1 if the internal rate of return is two standard deviations below the mean.
- Other scoring components are qualitative.
- the carrier rating of the carrier may represented by an industry-wide rating.
- the carrier rating may be represented by a Moody's or a Standard & Poor's (S&P) financial strength rating.
- S&P Standard & Poor's
- the qualitative score values are AAA+ through CC.
- scoring components and subcomponents may be averaged together or combined using a weighted average.
- subcomponents are first combined into a group of scoring components for each policy, each score representing a different aspect or basis of comparison of the policy. For example, one score may be policy value, another may be sensitivity, and a third may be carrier rating. These scoring subcomponents may then be combined to obtain an overall score for the policy (the policy evaluation score). The scores may be combined using an arithmetic mean or a weighed average in which, for example, policy value is assigned a weight of 40%, sensitivity is assigned a weight of 40%, and carrier rating is assigned a weight of 20%.
- the weights may be adjusted after the scenario has been run through the illustration engine and after the scoring components have been obtained, because recalculating the weighted average does not require running the illustration engines again. Similarly, those products that are selected for display in the report may also be changed without having to rerun the search and solve system. [0053]
- the policy By running the search and solve system on all of the products in the system regardless of which of them are selected for reporting, the policy compares each policy against all of the other policies in the system's universe of policies. The greater the number of products and their illustration engines that are incorporated into the system, the more accurate and useful the policy scores are. Thus, while an insurance broker may only be licensed to sell a few products, the customer will still be able to see how those products offered by the broker compare to other products on the market.
- the system for searching and solving for insurance policies for a particular customer scenario can be used instead to solve for and rank insurance products based on a broad array of policies derived from those products.
- a number of different customer scenarios are run through the system of the present invention and are scored.
- each customer scenario generates a policy from the products available on the system. Therefore, if a number of different customer scenarios are run through the system, a number of different policies for each product will be scored.
- These scores can be combined using an arithmetic mean or weighted average, for example, to generate an overall score for the products.
- This overall product score is a combination of the scores of all of the policies generated by each of the customer scenarios run through the search and solve system for that product. This way, one product can be compared to all of the other policies and products on the system.
- the overall product scores can themselves be combined using an arithmetic mean or weighted average to yield a product line score.
- a product line would represent, for example, all of the products of a particular type or that fall in a particular category.
- a product line may be whole life insurance, variable life insurance, term life insurance, or annuities. All of the product scores for term life insurance products may be combined together to obtain an overall score for term life products generally. This way, the term life product line as a whole may be compared and ranked against all of the other products and policies in the system.
- the present invention may be extended so as to further aggregate the scores.
- Product line scores for each product line of a particular category may be combined to produce an overall score for the carrier, or product lines scores for all carriers.
- an insurance broker who notices that a particular product for which they are licensed to sell is weak or strong may alter the product offering he offers to his clients.
- An insurance broker may be able to use this product to select a shelf of products that they want to offer. For example, very large financial institutions evaluate a large number of products to determine shelf space. They may be able to use this system of the present invention to select those products that are most suitable their clients.
- the system can be used by a customer who is already covered by an in force insurance policy to evaluate a potential replacement.
- the system allows the policyholder to compare the in force policy against what that customer could buy at that moment and determine whether it is worthwhile for the customer to cash out of their current policy and purchase a new one or whether their current policy is a good one.
- the system with the present invention may be used to determine whether or not the policies that are being exchanged are worthwhile exchanges or whether they are simply exchanges in the course of churning; it provides an independent, third-party evaluation.
- trust owned life insurance policies TOLI
- bank owned life insurance policies BOLI
- corporate owned life insurance COVID
- the system of the present invention may be used to determine whether or not the product under consideration, or in existence, is of good value.
Abstract
Description
Claims
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP05796854A EP1794697A2 (en) | 2004-09-08 | 2005-09-08 | System for searching and solving for insurance products |
AU2005282405A AU2005282405A1 (en) | 2004-09-08 | 2005-09-08 | System for searching and solving for insurance products |
CA002579644A CA2579644A1 (en) | 2004-09-08 | 2005-09-08 | System for searching and solving for insurance products |
JP2007531339A JP2008512788A (en) | 2004-09-08 | 2005-09-08 | System for searching and analyzing insurance products |
MX2007002831A MX2007002831A (en) | 2004-09-08 | 2005-09-08 | System for searching and solving for insurance products. |
IL181812A IL181812A0 (en) | 2004-09-08 | 2007-03-08 | System for searching and solving for insurance products |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/935,754 | 2004-09-08 | ||
US10/935,754 US8024203B2 (en) | 2004-09-08 | 2004-09-08 | System for searching and solving for insurance products |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2006029283A2 true WO2006029283A2 (en) | 2006-03-16 |
WO2006029283A3 WO2006029283A3 (en) | 2007-04-26 |
Family
ID=35997357
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2005/032033 WO2006029283A2 (en) | 2004-09-08 | 2005-09-08 | System for searching and solving for insurance products |
Country Status (9)
Country | Link |
---|---|
US (4) | US8024203B2 (en) |
EP (1) | EP1794697A2 (en) |
JP (1) | JP2008512788A (en) |
CN (1) | CN101151635A (en) |
AU (1) | AU2005282405A1 (en) |
CA (1) | CA2579644A1 (en) |
IL (1) | IL181812A0 (en) |
MX (1) | MX2007002831A (en) |
WO (1) | WO2006029283A2 (en) |
Families Citing this family (25)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8473392B1 (en) * | 2009-10-09 | 2013-06-25 | Ryan Hinchey | System and method for evaluation and comparison of variable annuity products |
US8452678B2 (en) * | 2009-12-22 | 2013-05-28 | Hartford Fire Insurance Company | System and method for administering an advanced insurance component-based product |
US8688477B1 (en) | 2010-09-17 | 2014-04-01 | National Assoc. Of Boards Of Pharmacy | Method, system, and computer program product for determining a narcotics use indicator |
CN102479357B (en) * | 2010-11-30 | 2015-12-16 | 大族激光科技产业集团股份有限公司 | A kind of product development system |
US8335701B1 (en) * | 2011-10-31 | 2012-12-18 | Marsh USA Inc. | System and method for determining opportunities and peer information for insurance policies |
US8700426B2 (en) * | 2011-12-09 | 2014-04-15 | Stratacare, Llc | Systems and methods for a network analyzer tool |
US8666788B1 (en) | 2013-02-08 | 2014-03-04 | Kabir Syed | Systems and methods for facilitating an insurance marketplace for negotiations among brokers and insurance carriers |
JP6194637B2 (en) * | 2013-05-28 | 2017-09-13 | 沖電気工業株式会社 | Information processing apparatus, communication terminal, information processing method, and program |
JP2016527639A (en) * | 2013-08-02 | 2016-09-08 | トランスアメリカ コーポレイションTransamerica Corporation | Classification of life insurance applicants to determine the appropriate life insurance product |
WO2015024264A1 (en) * | 2013-08-23 | 2015-02-26 | EBaoTech Corporation | Systems and methods for insurance design using standard insurance contexts and factors |
US9974512B2 (en) | 2014-03-13 | 2018-05-22 | Convergence Medical, Llc | Method, system, and computer program product for determining a patient radiation and diagnostic study score |
US11574368B1 (en) | 2014-10-06 | 2023-02-07 | State Farm Mutual Automobile Insurance Company | Risk mitigation for affinity groupings |
US10713728B1 (en) * | 2014-10-06 | 2020-07-14 | State Farm Mutual Automobile Insurance Company | Risk mitigation for affinity groupings |
US20210166320A1 (en) * | 2014-10-06 | 2021-06-03 | State Farm Mutual Automobile Insurance Company | System and method for obtaining and/or maintaining insurance coverage |
US10664920B1 (en) | 2014-10-06 | 2020-05-26 | State Farm Mutual Automobile Insurance Company | Blockchain systems and methods for providing insurance coverage to affinity groups |
US20210358045A1 (en) | 2014-10-06 | 2021-11-18 | State Farm Mutual Automobile Insurance Company | Medical diagnostic-initiated insurance offering |
CN106202555A (en) * | 2016-07-29 | 2016-12-07 | 苏州商信宝信息科技有限公司 | A kind of based on transactional services evaluation exhibiting method during searching enterprise |
US10832336B2 (en) | 2017-05-22 | 2020-11-10 | Insurance Zebra Inc. | Using simulated consumer profiles to form calibration data for models |
US9953372B1 (en) * | 2017-05-22 | 2018-04-24 | Insurance Zebra Inc. | Dimensionality reduction of multi-attribute consumer profiles |
CN107578339A (en) * | 2017-09-11 | 2018-01-12 | 宁波市众鑫保网络技术有限公司 | A kind of method and apparatus of Insurance Analysis processing |
CN111210245B (en) * | 2018-11-21 | 2023-04-18 | 马上消费金融股份有限公司 | Evaluation method and evaluation device for insurance product, intelligent system and storage device |
US20200364799A1 (en) * | 2019-05-16 | 2020-11-19 | Michael K. Crowe | Insurance recommendation engine |
CN110188930A (en) * | 2019-05-17 | 2019-08-30 | 深圳前海微众银行股份有限公司 | A kind of method for customizing and device of equity product |
CN111652736A (en) * | 2020-04-17 | 2020-09-11 | 世纪保众(北京)网络科技有限公司 | Method and device for scoring severe risk products based on factorization rules |
US20220414764A1 (en) * | 2021-06-25 | 2022-12-29 | Hang Wah Yim | Financing analysis method and system based on life policy information |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5991744A (en) * | 1997-10-31 | 1999-11-23 | Gary P. Dicresce & Associates | Method and apparatus that processes financial data relating to wealth accumulation plans |
US20030191672A1 (en) * | 2001-12-21 | 2003-10-09 | Kendall Errol O. | System for appraising life insurance and annuities |
US20050027572A1 (en) * | 2002-10-16 | 2005-02-03 | Goshert Richard D.. | System and method to evaluate crop insurance plans |
Family Cites Families (19)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1991020071A1 (en) | 1990-06-18 | 1991-12-26 | Insmark Insurance Services | Comparison of insurance plans through use of color coded graphics |
US5375055A (en) | 1992-02-03 | 1994-12-20 | Foreign Exchange Transaction Services, Inc. | Credit management for electronic brokerage system |
US5291398A (en) | 1992-07-10 | 1994-03-01 | Hagan Bernard P | Method and system for processing federally insured annuity and life insurance investments |
US5655085A (en) * | 1992-08-17 | 1997-08-05 | The Ryan Evalulife Systems, Inc. | Computer system for automated comparing of universal life insurance policies based on selectable criteria |
US5704045A (en) | 1995-01-09 | 1997-12-30 | King; Douglas L. | System and method of risk transfer and risk diversification including means to assure with assurance of timely payment and segregation of the interests of capital |
US5839118A (en) * | 1996-01-16 | 1998-11-17 | The Evergreen Group, Incorporated | System and method for premium optimization and loan monitoring |
US5758328A (en) | 1996-02-22 | 1998-05-26 | Giovannoli; Joseph | Computerized quotation system and method |
US5966693A (en) * | 1996-05-07 | 1999-10-12 | Money Accumulation Programs, Inc. | Method for combining loan with key employee life insurance |
US5987434A (en) * | 1996-06-10 | 1999-11-16 | Libman; Richard Marc | Apparatus and method for transacting marketing and sales of financial products |
US6119093A (en) | 1997-07-01 | 2000-09-12 | Walker Asset Management Limited Partnership | System for syndication of insurance |
US6234561B1 (en) | 1998-09-11 | 2001-05-22 | Bestop, Inc. | Combination of a lockable, soft tonneau cover and lockable tailgate |
US6233566B1 (en) | 1998-12-31 | 2001-05-15 | Ultraprise Corporation | System, method and computer program product for online financial products trading |
JP2001243297A (en) | 2000-02-29 | 2001-09-07 | Ibm Japan Ltd | Trial calculation result display method, trial calculation system and computer system |
KR20000050079A (en) | 2000-05-15 | 2000-08-05 | 이재웅 | Method for Serving Funds Investment using Internet |
WO2002001463A2 (en) * | 2000-06-27 | 2002-01-03 | Afs-Ip, Inc. | Method and system for evaluation of potential funding sources for financial plans |
CA2424432A1 (en) | 2000-10-02 | 2002-04-11 | Swiss Reinsurance Company | On-line reinsurance capacity auction system and method |
US7698158B1 (en) * | 2000-10-24 | 2010-04-13 | Theinsuranceadvisor Technologies, Inc. | Life insurance policy evaluation method |
US6456979B1 (en) * | 2000-10-24 | 2002-09-24 | The Insuranceadvisor Technologies, Inc. | Method of evaluating a permanent life insurance policy |
US7778912B2 (en) * | 2001-01-10 | 2010-08-17 | Efficient Markets Corporation | System for appraising a financial product |
-
2004
- 2004-09-08 US US10/935,754 patent/US8024203B2/en not_active Expired - Fee Related
-
2005
- 2005-09-08 EP EP05796854A patent/EP1794697A2/en not_active Withdrawn
- 2005-09-08 JP JP2007531339A patent/JP2008512788A/en active Pending
- 2005-09-08 MX MX2007002831A patent/MX2007002831A/en not_active Application Discontinuation
- 2005-09-08 WO PCT/US2005/032033 patent/WO2006029283A2/en active Application Filing
- 2005-09-08 AU AU2005282405A patent/AU2005282405A1/en not_active Abandoned
- 2005-09-08 CN CNA2005800343299A patent/CN101151635A/en active Pending
- 2005-09-08 CA CA002579644A patent/CA2579644A1/en not_active Abandoned
-
2007
- 2007-03-08 IL IL181812A patent/IL181812A0/en unknown
-
2011
- 2011-09-15 US US13/233,439 patent/US8315891B2/en not_active Expired - Fee Related
-
2012
- 2012-11-19 US US13/681,239 patent/US8635093B2/en not_active Expired - Fee Related
-
2014
- 2014-01-16 US US14/157,067 patent/US20140172469A1/en not_active Abandoned
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5991744A (en) * | 1997-10-31 | 1999-11-23 | Gary P. Dicresce & Associates | Method and apparatus that processes financial data relating to wealth accumulation plans |
US20030191672A1 (en) * | 2001-12-21 | 2003-10-09 | Kendall Errol O. | System for appraising life insurance and annuities |
US20050027572A1 (en) * | 2002-10-16 | 2005-02-03 | Goshert Richard D.. | System and method to evaluate crop insurance plans |
Also Published As
Publication number | Publication date |
---|---|
US20140172469A1 (en) | 2014-06-19 |
US8024203B2 (en) | 2011-09-20 |
CN101151635A (en) | 2008-03-26 |
US20130117049A1 (en) | 2013-05-09 |
US8635093B2 (en) | 2014-01-21 |
EP1794697A2 (en) | 2007-06-13 |
AU2005282405A1 (en) | 2006-03-16 |
IL181812A0 (en) | 2008-11-03 |
MX2007002831A (en) | 2007-10-15 |
US20060053037A1 (en) | 2006-03-09 |
WO2006029283A3 (en) | 2007-04-26 |
CA2579644A1 (en) | 2006-03-16 |
JP2008512788A (en) | 2008-04-24 |
US8315891B2 (en) | 2012-11-20 |
US20120066009A1 (en) | 2012-03-15 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US8635093B2 (en) | System for searching and solving for insurance products | |
US7533049B2 (en) | Method and system for rating securities, method and system for evaluating price of securities, method for establishing a market with the system | |
US8781933B2 (en) | Determining commercial share of wallet | |
US8489482B2 (en) | Using commercial share of wallet to rate investments | |
US8352343B2 (en) | Using commercial share of wallet to compile marketing company lists | |
Kim et al. | Does information technology reputation affect bank loan terms? | |
US8326671B2 (en) | Using commercial share of wallet to analyze vendors in online marketplaces | |
US20070282729A1 (en) | Consolidation, sharing and analysis of investment information | |
US20100005035A1 (en) | Systems and Methods for a Cross-Linked Investment Trading Platform | |
US20120084230A1 (en) | Using commercial share of wallet to rate investments | |
CA2498245A1 (en) | System for appraising life insurance and annuities | |
US20080294539A1 (en) | Programmed system and method for constructing an index | |
Khan et al. | Assessing the impact of liquidity on the value of assets return | |
AU2012201653B2 (en) | System for searching and solving for insurance products | |
US20080183635A1 (en) | Financing instrument evaluation based on equivalent time-scale based calculations | |
Wang et al. | Do enterprise–bank relationships improve market quality? Evidence from Taiwan | |
Petrović et al. | Granting loans to legal entities as the bank’s business process | |
Bimala | Determinant of stock price of non-life insurance companies | |
Charoontham | Investigation of credit rating agency payment scheme to improve profit abilityand rating quality | |
US20220215474A1 (en) | Computer system and method for investment portfolio analysis and rebalance | |
WO2010003137A1 (en) | Systems and methods for providing investment performance data to investors | |
Grüber | Financial Analysts as Users of Financial Accounting and Reporting Information | |
Demper | Accounting quality of Leases | |
Daniels | Analyzing Portfolios Daily |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
WWE | Wipo information: entry into national phase |
Ref document number: 200580034329.9 Country of ref document: CN |
|
AK | Designated states |
Kind code of ref document: A2 Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE EG ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KM KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NA NG NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SM SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A2 Designated state(s): BW GH GM KE LS MW MZ NA SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LT LU LV MC NL PL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
WWE | Wipo information: entry into national phase |
Ref document number: MX/a/2007/002831 Country of ref document: MX Ref document number: 181812 Country of ref document: IL Ref document number: 2579644 Country of ref document: CA Ref document number: 2007531339 Country of ref document: JP |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2005796854 Country of ref document: EP |
|
WWE | Wipo information: entry into national phase |
Ref document number: 2005282405 Country of ref document: AU |
|
WWP | Wipo information: published in national office |
Ref document number: 2005796854 Country of ref document: EP |
|
ENP | Entry into the national phase |
Ref document number: 2579644 Country of ref document: CA |
|
ENPW | Started to enter national phase and was withdrawn or failed for other reasons |
Ref document number: PI0515063 Country of ref document: BR Free format text: PEDIDO RETIRADO EM RELACAO AO BRASIL, FACE AO ARQUIVAMENTO DA PETICAO DE ENTRADA NA FASE NACIONAL. |