Systems and methods for reports based on transmission-failure claims

• US 7,349,954 B2
• Filed: 05/24/2007
• Issued: 03/25/2008
• Est. Priority Date: 09/10/1999
• Status: Expired due to Fees

• Current Assignee: TranSurety LLC
• Original Assignee: TranSurety LLC
• Inventors: Cianciarulo, Krys, Weiseth, Thomas, Cardot, Stephen C.
• Primary Examiner(s): BAROT, BHARAT
• Application Number:
  US11/753,550
• Publication Number:
  US 20070226316A1
• Time in Patent Office: 306 Days
• Field of Search: 709201-203, 709/213, 709/216, 709217-219, 709226-229, 709236-238, 707 9- 10, 705/4, 705/35, 705/39, 705 51- 53
• 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 instructions 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 computerized method executed in a server, the server including a processor and a memory, the method comprising:

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

verifying a completion status of the one or more transmissions, wherein the verifying includes determining whether each of the one or more transmissions was successfully transmitted and received;

logging data pertaining to the completion status into a logging data structure in a database in the server;

receiving a plurality of failed-transmission-coverage claims;

authenticating each one of the plurality of claims based, at least in part, upon the data contained in the logging data structure; and

generating a claim report based upon information tracked in the database.

2. The method of claim 1, wherein the generating includes generating a statutory report required of the method.

3. The method of claim 1, wherein the providing includes providing a transmission insurance coverage.

4. The method of claim 1, wherein the providing includes providing a transmission bonding coverage.

5. The method of claim 1, wherein the providing includes providing a transmission underwriting coverage.

6. The method of claim 1, further comprising performing a client policy management function using a client policy management data structure in the database.

7. The method of claim 1, further comprising performing a client relationship management function using the database.

8. The method of claim 1, wherein the providing of coverage includes providing a selected coverage rider.

9. An apparatus comprising:

a server that includes a processor and a memory;

a coverage module in the server that provides selected transmission coverage for one or more transmissions over a communications network, wherein the coverage, in the event of a failure of a transmission of data across the network, becomes payable as a selected coverage amount;

a verifier in the server that verifies a completion status of the one or more transmissions, wherein the verifier determines whether each of the one or more transmissions was successfully transmitted and received;

a database in the server that logs data pertaining to the completion status into a logging data structure;

a receiver in the server that receives a plurality of failed-transmission-coverage claims;

an authentication unit operatively coupled to the database, wherein the authentication unit authenticates each one of the plurality of claims based, at least in part, upon the data contained in the logging data structure; and

a generator operatively coupled to the database, wherein the generator generates a claim report based upon information tracked in the database.

10. The apparatus of claim 9, wherein the generator is operatively coupled to generate a statutory report required of the server.

11. The apparatus of claim 9, wherein the coverage module provides a transmission insurance coverage.

12. The apparatus of claim 9, wherein the coverage module provides a transmission bonding coverage.

13. The apparatus of claim 9, wherein the database includes a client policy management data structure that is used for performing a client policy management function.

14. The apparatus of claim 9, wherein the database performs a client relationship management function.

15. A computer-readable medium having computer-executable instructions stored thereon that cause a suitably programmed server, the sewer including a processor and a memory, to perform a method comprising:

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

verifying a completion status of the one or more transmissions, wherein the verifying includes determining whether each of the one or more transmissions was successfully transmitted and received;

logging data pertaining to the completion status into a logging data structure in a database in the sewer;

receiving a plurality of failed-transmission-coverage claims;

authenticating each one of the plurality of claims based, at least in part, upon the data contained in the logging data structure; and

generating a claim report based upon information tracked in the database.

16. The medium of claim 15, wherein the generating includes generating a statutory report required of the method.

17. The medium of claim 15, wherein the providing includes providing a transmission insurance coverage.

18. The medium of claim 15, wherein the providing includes providing a transmission bonding coverage.

19. The medium of claim 15, further comprising instructions that cause the method to further include performing a client policy management function using a client policy management data structure in the database.

20. The medium of claim 15, further comprising instructions that cause the method to further include performing a client relationship management function using the database.

21. The medium of claim 15, wherein the providing of coverage includes providing a selected coverage rider.