Coverage for transmission of data apparatus and method

• US 10,235,717 B2
• Filed: 06/16/2015
• Issued: 03/19/2019
• Est. Priority Date: 09/10/1999
• Status: Expired due to Fees

• Current Assignee: TranSurety LLC
• Original Assignee: TranSurety LLC
• Inventors: Cianciarulo, Krys, Cardot, Stephen C., Weiseth, Thomas
• Primary Examiner(s): King, Joseph W.
• Application Number:
  US14/741,193
• Publication Number:
  US 20150317744A1
• Time in Patent Office: 1,372 Days
• Field of Search: None
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/60 Business processes related to postal services shipping G06Q10/083; franking apparatus G07B17/00
• CPC Class Codes: H04L 51/046 Interoperability with other network applications or services
• CPC Class Codes: H04L 51/234 for tracking messages

Abstract

The present invention provides systems and methods which afford a technical application for insuring, bonding, and underwriting a transmission of a data set, streaming data, and/or document over the Internet through TCP/IP and all other electronic media such as WAP, VOIP, fiber optic channels, microwave channels, and through standard electrical switches, electrical outlets and power lines. The present invention includes a computer-readable medium having computer-executable instructions to cause a system to perform a method for insuring, bonding, and/or underwriting data transmission. The method includes enabling a first remote client coupled to a communications network to insure, bond, and/or underwrite a transmission of an electronic data set, streaming data, and/or document, with a selected coverage type for a selected coverage amount, from the first remote client to one or more second remote clients. The method includes charging a fee to an appropriate account for the selected coverage type and amount.

Claims

1. A data processing system for insuring delivery of an electronic document from a sender remote client to a recipient remote client over a communications network, the data processing system comprising:

a server system;

a communications unit connected to the server system and to the communications network;

a memory connected to the server system, wherein the memory includes a set of instructions, wherein the server system executes the set of instructions to receive an insurance request from a requestor to insure delivery of the electronic document based on a user performing a transmission of the electronic document from the sender remote client to the recipient remote client without additional input from the user, wherein the server system includes a data structure that maintains at least a first pre-defined contractual relationship that specifies a set of business rules for delivery of electronic documents, and wherein the insurance request includes data that indirectly selects from the data structure a specified insurance coverage amount for the delivery of the electronic document;

a receiver unit configured to electronically receive from the sender remote client, into the server system, a first copy of the electronic document to be delivered;

a security transmission engine in the server system that includes data-compression and encryption software, wherein the security transmission engine secures the received first copy of the electronic document using the data-compression and encryption software;

a transmitter unit configured to electronically transmit a second copy of the electronic document from the sender remote client to the recipient remote client via the server system;

a duplication unit configured to determine that the recipient remote client was unable to open the second copy of the electronic document at the recipient remote client'"'"'s location and based on that determination, to provide the recipient remote client electronic access, via a file-access key, to the secured first copy of the electronic document from the server system; and

an insurance-claim unit, configured to, based at least in part on the determination by the duplication unit, automatically provide as payable to the requestor the specified insurance coverage amount.

2. The system of claim 1, wherein at least a portion of the transmission of the second copy of the electronic document to the recipient remote client from the transmitter unit is over an internet network.

3. The system of claim 1, wherein the determination by the duplication unit includes a conclusion that the second copy of the electronic document was not received by the recipient remote client, wherein the conclusion by the duplication unit that the second copy of the electronic document was not received by the recipient remote client includes a determination by the duplication unit that the second copy of the electronic document was intercepted by an unintended recipient.

4. The system of claim 1, wherein the determination by the duplication unit includes a conclusion that the second copy of the electronic document was not received by the recipient remote client, wherein the conclusion by the duplication unit that the second copy of the electronic document was not received by the recipient remote client includes a determination by the duplication unit that the second copy of the electronic document was tampered with by an unintended recipient.

5. The system of claim 1, wherein the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the at least one of the plurality of groups is all medical records.

6. The system of claim 1, wherein the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the at least one of the plurality of groups is all purchase orders.

7. The system of claim 1, wherein at least a first portion of the transmission of the second copy of the electronic document to the recipient remote client from the transmitter unit is insured at a first insurance amount and another portion is insured at a second insurance amount.

8. A non-transitory computer-readable medium having instructions stored thereon for causing a suitably programmed computer system to execute a method for insuring delivery of an electronic document from a sending remote client to a recipient remote client over a communications network that is connected to a server system, the method comprising:

electronically receiving, into the server system over a connection to the communications network, an insurance request from a requestor to insure delivery of the electronic document based on a user performing a transmission of the electronic document from the sender remote client to the recipient remote client without additional input from the user, wherein the server system includes a data structure that maintains at least a first pre-defined contractual relationship that specifies a set of business rules for delivery of electronic documents, and wherein the insurance request includes data that indirectly selects from the data structure a specified insurance coverage amount for the delivery of the electronic document;

electronically receiving from the sending remote client, into the server system, a first copy of the electronic document to be delivered;

performing, by the server system, data-compression and encryption on the received first copy of the electronic document to be delivered to secure the first copy of the electronic document to be delivered;

electronically transmitting, by the sending remote client, a second copy of the electronic document from the sending remote client to the recipient remote client;

determining, by the server system, that the recipient remote client was unable to open the second copy of the electronic document at the recipient remote client'"'"'s location and based on that determination, providing the recipient remote client with electronic access, via a file-access key, to the secured first copy of the electronic document from the server system;

and

based at least in part on the determining, automatically providing, by the server system, as payable to the requestor the specified insurance coverage amount.

9. The non-transitory computer-readable medium of claim 8, further comprising instructions such that at least a portion of the transmission of the second copy of the electronic document to the recipient remote client from the sending remote client is over an internet network.

10. The non-transitory computer-readable medium of claim 8, further comprising instructions such that the determining includes concluding that the second copy of the electronic document was not received by the recipient remote client, wherein the concluding that the second copy of the electronic document was not received by the recipient remote client includes determining that the second copy of the electronic document was intercepted by an unintended recipient.

11. The non-transitory computer-readable medium of claim 8, further comprising instructions such that the determining includes concluding that the second copy of the electronic document was not received by the recipient remote client, wherein the concluding that the second copy of the electronic document was not received by the recipient remote client includes determining that the second copy of the electronic document was tampered with by an unintended recipient.

12. The non-transitory computer-readable medium of claim 8, further comprising instructions such that the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the at least one of the plurality of groups is all medical records.

13. The non-transitory computer-readable medium of claim 8, further comprising instructions such that the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the at least one of the plurality of groups is all transmissions between a specific sender/receiver pair.

14. The non-transitory computer-readable medium of claim 8, further comprising instructions such that the set of business rules includes insuring at least a first portion of the transmission of the second copy of the electronic document to the recipient remote client from the transmitter unit at a first insurance amount and insuring another portion at a second insurance amount.

15. A method in a data processing system for insuring delivery of an electronic document from a sending remote client to a recipient remote client over a communications network that is connected to a server system, the method comprising:

electronically receiving, into the server system over a connection to the communications network, an insurance request from a requestor to insure delivery of the electronic document based on a user performing a transmission of the electronic document from the sender remote client to the recipient remote client without additional input from the user, wherein the server system includes a data structure that maintains at least a first pre-defined contractual relationship that specifies a set of business rules for delivery of electronic documents, and wherein the insurance request includes data that indirectly selects from the data structure a specified insurance coverage amount for the delivery of the electronic document;

electronically receiving from the sending remote client, into the server system, a first copy of the electronic document to be delivered;

performing, by the server system, data-compression and encryption on the received first copy of the electronic document to be delivered to secure the first copy of the electronic document to be delivered;

electronically transmitting, by the sending remote client, a second copy of the electronic document from the sending remote client to the recipient remote client;

determining, by the server system, that the recipient remote client was unable to open the second copy of the electronic document at the recipient remote client'"'"'s location and based on that determination, providing the recipient remote client with electronic access, via a file-access key, to the secured first copy of the electronic document from the server system;

and

based at least in part on the determining, automatically providing, by the server system, as payable to the requestor the specified insurance coverage amount.

16. The method of claim 15, wherein at least a portion of the transmission of the second copy of the electronic document is over an internet network.

17. The method of claim 15, wherein the determining includes concluding that the second copy of the electronic document was not received by the recipient remote client, wherein the concluding that the second copy of the electronic document was not received by the recipient remote client includes determining that the second copy of the electronic document was intercepted by an unintended recipient.

18. The method of claim 15, wherein the determining includes concluding that the second copy of the electronic document was not received by the recipient remote client, wherein the concluding that the second copy of the electronic document was not received by the recipient remote client includes determining that the second copy of the electronic document was tampered with by a tampering entity.

19. The method of claim 15, wherein the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the at least one of the plurality of groups is all medical records.

20. The method of claim 15, wherein the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the at least one of the plurality of groups is all legal emails.

21. The method of claim 15, wherein the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the at least one of the plurality of groups is all transmissions between a specific sender/receiver pair.

22. The method of claim 15, wherein the set of business rules includes categorizing the transmission of the electronic document into at least one of a plurality of groups, wherein the specified insurance coverage amount includes a coverage rider when the transmission of the electronic document does not fall into one of the plurality of groups.

23. The method of claim 15, further comprising:

insuring at least a first portion of the transmission of the second copy of the electronic document to the recipient remote client from the transmitter unit at a first insurance amount and insuring another portion at a second insurance amount.