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    • 22. 发明公开
    • Life insurance method system and product
    • Lebensversicherungsverfahren,系统与产品
    • EP0955595A1
    • 1999-11-10
    • EP98303563.5
    • 1998-05-07
    • Sexton, Frank M.Burkhalter, Swinton B.
    • Sexton, Frank M.Burkhalter, Swinton B.
    • G06F17/60
    • G06Q40/02G06Q40/08G06Q40/10
    • Life insurance methods, systems and products which revolve around having an insurance plan with at least two separate but related insurance contracts on the same insured or insureds. The contracts are developed using life insurance product data to develop tables from which death benefits and premium obligations, and usually cash values, are determined based upon an insured's gender, age and other risk factors. The death benefits and premium obligations, and cash values, if any, are divided between the two or more contracts where more of the premium obligations are assigned to one or more of the contracts while more of the death benefits and cash values, if any, are assigned to one or more of the remaining contracts. Nonforfeiture and surrender provisions as well as typical riders can be added to one or all of the contracts. The death benefits and cash values of the contracts are a function of the premiums paid for all of the contracts.
    • 人寿保险的方法,制度和产品,围绕着在同一被保险人或被保险人上具有至少两项单独的相关保险合同的保险计划。 使用人寿保险产品数据开发合同,以制定表格,根据受保人的性别,年龄和其他风险因素确定死亡抚恤金和溢价义务以及通常的现金价值。 死亡抚恤金和溢价义务以及现金价值(如果有的话)在两个或多个合同之间分配,其中更多的溢价义务分配给一个或多个合同,而更多的死亡抚恤金和现金价值(如果有的话) 被分配到一个或多个剩余的合同。 一项或全部合同都可以加入不履行和投降条款以及典型的车手。 合同的死亡福利和现金价值是所有合同支付的保费的函数。
    • 30. 发明公开
    • A system for managing co-presence within communities
    • 系统zur Verwaltung der Mitanwesenheit innerhalb Gemeinschaften
    • EP0841622A2
    • 1998-05-13
    • EP97203503.4
    • 1997-11-11
    • Ubique Ltd.
    • Shapiro, Ehud
    • G06F17/00G06F9/46
    • G06F17/30067Y10S707/99938Y10S707/99943Y10S707/99952
    • A data retrieval system includes a data server a co-presence server and at least two co-presence data retrieval clients. The data server retrieves at least one of a plurality of data objects from a data repository. The co-presence data-retrieval clients communicate at least with the data server and with the co-presence server. The co-presence server includes community means for at least maintaining a list of users associated with a community and at least one virtual place having a list of users from the community at the virtual place. Each of the co-presence data retrieval clients includes object association means and co-presence means. The object association means associate a data object received from the data server with one of the at least one virtual places in the co-presence server. The co-presence means is associated with the one virtual place and associates the client with the community and enables communication at least with other co-presence means also associated with the one virtual place
    • 数据检索系统包括数据服务器共同存在服务器和至少两个共存数据检索客户端。 数据服务器从数据存储库检索多个数据对象中的至少一个。 共存数据检索客户端至少与数据服务器和共存服务器进行通信。 共存服务器包括用于至少维护与社区相关联的用户的列表的社区装置以及具有来自虚拟场所的社区的用户列表的至少一个虚拟场所。 共存数据检索客户端中的每一个包括对象关联装置和共存存储装置。 对象关联意味着将从数据服务器接收的数据对象与共存服务器中的至少一个虚拟位置之一相关联。 联合存在手段与一个虚拟场所相关联,并将客户端与社区相关联,并使得能够至少与也可以与一个虚拟场所相关联的其他共存机构进行通信。