Systems and methods for underwriting coverage for data transmissions

• US 20060129656A1
• Filed: 02/04/2006
• Published: 06/15/2006
• Est. Priority Date: 09/10/1999
• Status: Active Grant

• Current Assignee: TranSurety LLC
• Original Assignee: Portogo Incorporated
• Inventors: Cianciarulo, Krys, Weiseth, Thomas, Cardot, Stephen
• Granted Patent: US 7,246,157 B2
• Time in Patent Office: Days
• US Class Current: 709/217
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• 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 51/23 Reliability checks, e.g. acknowledgments or fault reporting
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 67/06 specially adapted for file transfer, e.g. file transfer protocol [FTP]

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 instruction to cause a system 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 method comprising:

providing selected transmission coverage for one or more transmissions of data, including a first individual transmission across a network, wherein the coverage, in the event of failure of a transmission of data across the network, becomes payable as a selected coverage amount;

logging data pertaining to the coverage for the one or more transmissions into a database structure; and

allocating sufficient funds to back the selected coverage amount based, at least in part, upon information tracked in the database structure.

2. The method of claim 1, wherein the logging includes storing data relating to whether or not the first individual transmission was received by an intended recipient.

3. The method of claim 1, wherein the logging of data includes logging to the database structure data derived from header data of the first individual transmission.

4. The method of claim 1, wherein the allocating of sufficient funds includes allocating based, at least in part, upon a first coverage amount associated with the first individual transmission, and, at least in part, upon the first individual transmission being of a first type that includes a medical record.

5. The method of claim 4, wherein the allocating of sufficient funds includes allocating based, at least in part, upon a second coverage amount associated with a second type of data-content document, wherein the second type of data content document includes an X-ray.

6. The method of claim 1, wherein the providing of coverage further includes maintaining a client-relationship-management database that contains defined business rules for transmissions related to each of a plurality of clients.

7. The method of claim 1, wherein the logging includes tracking a claim for payment based, at least in part, upon a failed transmission.

8. The method of claim 1, further comprising providing a delivery verification to a sender.

9. A computer-readable medium having computer-executable instructions thereon to cause a suitably configured system to perform a method comprising:

providing selected transmission coverage for one or more transmissions of data, including a first individual transmission across a network, wherein the coverage, in the event of failure of a transmission of data across the network, becomes payable as a selected coverage amount;

logging data pertaining to the coverage for the one or more transmissions into a database structure; and

allocating sufficient funds to back the selected coverage amount based, at least in part, upon information tracked in the database structure.

10. The medium of claim 9, wherein the logging wherein the logging of data includes logging to the database structure data relating to whether the first individual transmission was received or not received by an intended recipient.

11. The medium of claim 9, wherein the logging of data includes logging to the database structure data derived from header data of the first individual transmission.

12. The medium of claim 9, wherein the allocating of sufficient finds includes allocating based upon the first individual transmission being of a first type that includes a medical record.

13. The medium of claim 12, wherein the allocating of sufficient finds further includes allocating based, at least in part, upon a second coverage amount associated with a second type of data-content document, wherein the second type of data content document includes an X-ray.

14. The medium of claim 9, wherein the providing of coverage further includes maintaining a client-relationship-management database that contains defined business rules for transmissions related to each of a plurality of clients.

15. The medium of claim 9, wherein the logging includes logging data that tracks a claim for payment based, at least in part, upon a failed transmission.

16. The medium of claim 9, further comprising instructions to cause the method to include providing a delivery verification to a sender.

17. An apparatus comprising:

means for providing selected transmission coverage for one or more transmissions of data, including a first individual transmission across a network, wherein the coverage, in the event of failure of a transmission of data across the network, becomes payable as a selected coverage amount;

means for logging data pertaining to the coverage for the one or more transmissions into a database structure; and

means for allocating sufficient funds to back the selected coverage amount based, at least in part, upon information tracked in the database structure.

18. The apparatus of claim 17, wherein the means for logging operates to log to the database structure data relating to whether the first individual transmission was received or not received by an intended recipient.

19. The apparatus of claim 17, wherein the means for logging operates to log to the database structure data derived from header data of the first individual transmission.

20. The apparatus of claim 17, wherein the means for allocating sufficient funds allocates based upon the first individual transmission being of a first type that includes a medical record.

21. The apparatus of claim 20, wherein the means for allocating sufficient finds further operates to allocate based upon a second coverage amount associated with a second type of data-content document, wherein the second type of data content document includes an X-ray.

22. The apparatus of claim 17, wherein the means for providing coverage further maintains a client-relationship database that contains defined business rules for transmissions related to each of a plurality of clients.

23. The apparatus of claim 17, wherein the means for logging further tracks a claim for payment based upon a failed transmission.

24. The apparatus of claim 17, further comprising means for providing a delivery verification to a sender.

25. An apparatus comprising:

a computerized system that provides selected transmission coverage for one or more transmissions of data, including a first individual transmission across a network, and, in the event of failure of a transmission of data across the network, that becomes payable as a selected coverage amount;

a database in the computerized system that logs data pertaining to the coverage for the one or more transmissions into a database structure; and

a funds-allocation unit operatively coupled to the database, wherein the funds allocation unit allocates sufficient funds to back the selected coverage amount based, at least in part, upon information tracked in the database structure.

26. The apparatus of claim 25, wherein the database is operatively coupled to receive data relating to whether thea first individual transmission was received or not received by an intended recipient.

27. The apparatus of claim 25, wherein the database is operatively coupled to receive header data from the first individual transmission.

28. The apparatus of claim 25, wherein the funds-allocation unit is operative to allocate sufficient funds based upon a first coverage amount associated with the first individual transmission based upon the first individual transmission including a medical record.

29. The apparatus of claim 28, wherein the funds-allocation unit is operative to allocate sufficient funds based upon a second coverage amount associated with a second type of data content document, wherein the second type of data content document includes an X-ray.

30. The apparatus of claim 25, wherein the database is operatively coupled to receive data tracking transmission of a document wherein coverage of the transmission is defined in a predetermined contractual relationship maintained in a contractual-relationship database.

31. The apparatus of claim 25, wherein the database is operatively coupled to receive data tracking a claim for payment based upon a failed transmission.