SYSTEM AND PROCESS FOR PROVIDING INSURANCE
First Claim
1. An automated process for providing insurance for targets, the automated process operating on a general purpose computer system, comprising:
- receiving electronic messages from a conditional access network, the messages selected from the group consisting of;
target activation message, target kill-confirmation message, target movement message, and additional deactivated targets added message; and
adapting an insurance policy responsive to the received messages.
6 Assignments
0 Petitions
Accused Products
Abstract
Automated insurance products, services, and processes are enabled by the more complete, timely, and accurate information provided by a conditional access network. Automated insurance processes are able to receive timely product information, such as product status and location, and adapt insurance policies or coverage responsive to the information. For example, an insurance policy may be adapted according to product activations, products that are deactivated, or according to which distributor is holding product. Information from the conditional access network may also be used to evaluate policy claims. For example, the insurance provider can use information from the conditional access network to confirm specific item coverage, to determine if products moved through authorized distributors, and to make sure they do not pay claims for items actually sold and activated. In this way, the insurance provider in enable to make more accurate and timely claim payments.
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Citations
27 Claims
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1. An automated process for providing insurance for targets, the automated process operating on a general purpose computer system, comprising:
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receiving electronic messages from a conditional access network, the messages selected from the group consisting of;
target activation message, target kill-confirmation message, target movement message, and additional deactivated targets added message; and
adapting an insurance policy responsive to the received messages. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A process for providing insurance for products, comprising:
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confirming the manufacturer of the products uses a conditional access network to disable the products;
confirming distribution entities for the products use a conditional access network to track the products;
confirming retail entities for the products use a conditional access network to activate the products;
receiving location and activation information from the conditional access network; and
adapting the insurance according to the received information. - View Dependent Claims (12, 13, 14, 17)
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15. A process for paying an insurance claim, comprising:
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receiving a claim to pay for products covered by an insurance policy;
receiving identification numbers from a conditional access network, the identification numbers usable to confirm that specific items in the products are covered by the insurance claim;
receiving distributor information from the conditional access network, the distributor information usable to determine if the products were handled only by authorized distributors;
receiving activation information from a conditional access network, the activation information usable to determine if the products can be excluded from payment;
making a claim payment for products with covered identification numbers, that were handled properly, and are not activated. - View Dependent Claims (16)
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18. An automated insurance product, comprising:
a risk of loss determined in response to;
messages indicating status of targets; and
messages indicating location of the targets. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27)
Specification