METHOD AND APPARATUS FOR PROVIDING COVERAGE FOR TRANSMISSION OF DATA

• US 20100198624A1
• Filed: 04/09/2010
• Published: 08/05/2010
• Est. Priority Date: 09/10/1999
• Status: Active Grant

• Current Assignee: TranSurety LLC
• Original Assignee: TranSurety LLC
• Inventors: Cardot, Stephen, Cianciarulo, Krys, Weiseth, Thomas
• Granted Patent: US 8,660,962 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• 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 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 in a data processing system for insuring delivery of an electronic document, the method comprising:

receiving a request from a requestor to insure delivery of the electronic document;

responsive to receiving the request, identifying a payment amount to insure delivery based on transmission factors to form an identified payment amount; and

delivering the electronic document in response to receiving a permission from the requestor authorizing the identified payment amount.

2. The method of claim 1, further comprising charging the requestor in response to receiving the permission from the requestor authorizing the identified payment amount.

3. The method of claim 1, further comprising charging the identified payment amount to a specified account.

4. The method of claim 1, wherein the identifying of the payment amount includes taking into account a liability amount.

5. The method of claim 1, wherein the identifying of the payment amount includes taking into account a size of the electronic document.

6. The method of claim 1, wherein the identifying of the payment amount includes taking into account a dollar value of the electronic document.

7. The method of claim 1, wherein the transmission factors include a size of the electronic document and a liability amount associated with the electronic document.

8. The method of claim 1, further comprising responsive to an inability to successfully deliver the electronic document, sending a payment to the requestor.

9. A method in a data processing system for insuring delivery of an electronic document, the method comprising:

receiving a request from a requestor to insure delivery of the electronic document;

receiving a delivery status of the electronic document;

determining from the delivery status if the electronic document has been successfully delivered; and

if the electronic document has not been successfully delivered, compensating the requestor.

10. A method in a data processing system for insuring delivery of an electronic document, the method comprising the data processing system implemented steps of:

providing an insurance cost for successful delivery of the electronic document;

receiving an indication of a payment for insurance for the successful delivery of the electronic document using a network; and

providing insurance in response to the indication.

11. A data processing system comprising:

a bus system;

a communications unit connected to the bus system;

a memory connected to the bus system, wherein the memory includes a set of instructions; and

a processing unit connected to the bus system, wherein the processing unit executes the set of instructions to;

receive a request from a requestor to insure delivery of the electronic document;

identify a payment amount to insure delivery based on transmission factors to form an identified payment amount in response to receiving the request; and

deliver the electronic document in response to receiving permission from the requestor authorizing the identified payment amount.

12. A data processing system for insuring delivery of an electronic document, the data processing system comprising:

receiving means for receiving a request from a requestor to insure delivery of the electronic document;

identifying means, responsive to receiving the request, for identifying a payment amount to insure delivery based on transmission factors to form an identified payment amount; and

delivering means for delivering the electronic document in response to receiving permission from the requestor authorizing the identified payment amount.

13. The data processing system of claim 12, further comprising charging means for charging the requestor, in response to receiving the permission from the requestor authorizing the identified payment amount.

14. The data processing system of claim 12, further comprising charging means for charging the identified payment amount to a specified account.

15. The data processing system of claim 12, wherein the identifying means takes into account a liability amount.

16. The data processing system of claim 12, wherein the identifying means takes into account a size of the electronic document.

17. The data processing system of claim 12, wherein identifying means takes into account a dollar value of the electronic document.

18. The data processing system of claim 12, wherein the transmission factors include a size of the electronic document and a liability amount associated with the electronic document.

19. The data processing system of claim 12, further comprising sending means, responsive to an inability to successfully deliver the electronic document, for sending a payment to the requestor.

20. A computer program product in a computer readable medium for insuring delivery of an electronic document, the computer program product comprising:

first instructions for receiving a request from a requester to insure delivery of the electronic document;

second instructions, responsive to receiving the request, for identifying a payment amount to insure delivery based on transmission factors to form an identified payment amount; and

third instructions for delivering the electronic document in response to receiving permission from the requestor authorizing the identified payment amount.

21. The computer program product of claim 20, further comprising fourth instructions for sending a payment to requestor in response to an inability to successfully deliver the electronic document.

22. The computer program product of claim 20, further comprising fourth instructions for charging the requestor in response to receiving the permission from the requestor authorizing the identified payment amount.