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    • 3. 发明申请
    • SEPARATION INSURANCE SYSTEM
    • 分离保险制度
    • US20130046564A1
    • 2013-02-21
    • US13661747
    • 2012-10-26
    • Mark VeldhuizenJohan RenesAllen Turner
    • Mark VeldhuizenJohan RenesAllen Turner
    • G06Q40/08
    • G06Q40/08G06Q40/025
    • Described is a computerized system for offering financing to applicants seeking financing for the purchase of real estate. The system comprises gathering information from the applicants regarding the applicants and the real estate; calculating, with computerized software, a separation insurance policy premium for the applicants based upon this and other information; determining the insurance policy price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the applicants; if the applicants accept, entering into a legally binding agreement memorializing the separation insurance policy; periodically and regularly charging the calculated periodic amount to the applicants; and administering the separation insurance in such a manner that, upon divorce or legal separation of the applicants, payments are made on behalf of the applicants for the real estate.
    • 描述的是一个计算机化系统,为寻求融资购买房地产的申请人提供融资。 该系统包括收集申请人和房地产方面的信息; 根据这一信息和其他信息,用计算机软件计算申请人的分居保险费; 用抵押融资确定保险价格; 向申请人提供抵押融资,加上保险费; 如果申请人接受,签订纪律分离保险单的具有法律约束力的协议; 定期和定期向申请人收取计算的定期金额; 并以离婚或合法分居申请人的方式管理分居保险,代表房地产申请人付款。
    • 6. 发明授权
    • Mortgage insurance system
    • 分离保险制度
    • US08301469B1
    • 2012-10-30
    • US12456874
    • 2009-06-24
    • Mark VeldhuizenJohan RenesAllen C. Turner
    • Mark VeldhuizenJohan RenesAllen C. Turner
    • G06Q40/00
    • G06Q40/08G06Q40/025
    • Described is a system for offering financing to a couple seeking financing for the purchase of real estate, the improvement comprising gathering information from the couple regarding the couple and the piece of residential real estate; calculating, with computerized software, a divorce insurance policy premium for the couple based upon this and other information; determining the insurance policy premium's price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the couple; if the couple accepts, creating a legally binding document memorializing the mortgage insurance policy, wherein the legally binding document sets forth terms and conditions of the mortgage insurance policy; transmitting the completed, legally binding document to the couple; periodically and regularly charging the calculated periodic amount to the couple; and administering the mortgage insurance policy in such a manner that, upon divorce or legal separation of the couple, paying damages arising from the piece of real estate and associated with the divorce or legal separation.
    • 描述的是为寻求融资购买房地产的夫妇提供融资的系统,其改进包括收集夫妻关于夫妇和住宅房地产的信息; 根据这一信息和其他信息,用电脑软件计算出夫妻离婚保险费; 用抵押融资确定保险费保费的价格; 向夫妇提供抵押融资,加上保险费; 如果这对夫妇接受,就制定一份纪念抵押保险单的具有法律约束力的文件,其中具有法律约束力的文件规定了抵押保险的条款和条件; 将已完成的具有法律约束力的文件转交给夫妇; 定期和定期地将计算的周期金额收取给夫妇; 并按照夫妻离婚或合法分居的方式管理抵押保险单,支付因不动产造成的损失而与离婚或合法分居有关的损害赔偿。
    • 7. 发明申请
    • Methods and means for clinical investigations
    • 方法和手段进行临床调查
    • US20120123218A1
    • 2012-05-17
    • US12927521
    • 2010-11-16
    • Johan Renes
    • Johan Renes
    • A61B5/00
    • A61B5/4848A61B5/0022A61B5/6898A61B5/7282G06F19/3418
    • Described are methods for testing at least one effect of a pharmaceutical substance in a subject, which include administering a pharmaceutical substance to the subject, measuring with at least one sensor contained within a mobile sensor system, at the subject or in close proximity to the subject, at least one parameter value indicative of a the subject's body function, transmitting at least one sensor system signal associated with the at least one parameter value to a receiver contained within a mobile base unit, the receiver being provided with a means for wireless transmission, and wirelessly transmitting a mobile base unit signal associated with the at least one sensor system signal from the receiver to a back-end system, wherein at least the back-end system correlates the at least one parameter value with and/or displays a representation of the at least one effect of the pharmaceutical substance.
    • 描述了用于测试受试者中药物物质的至少一种效应的方法,其包括向受试者施用药物物质,用包含在移动传感器系统内的至少一个传感器,在受试者处或与受试者紧密相邻地测量 至少一个指示受检者身体功能的参数值,将与所述至少一个参数值相关联的至少一个传感器系统信号发送到包含在移动基站单元内的接收器,所述接收器被提供有用于无线传输的装置, 以及将与所述至少一个传感器系统信号相关联的移动基本单元信号从所述接收机无线发送到后端系统,其中至少所述后端系统将所述至少一个参数值与所述至少一个参数值相关联和/或显示 药物物质的至少一种效应。