Abstract: A user may use a financial card to make a purchase at a merchant. An institution system may receive and analyze transaction data associated with the purchase. The institution system may send a notice to the user asking if the user would like insurance coverage for the item(s) pertaining to the purchase. The notice may request the user send a photo of the item(s) or documentation pertaining to the item(s) to the institution system.

Abstract: A user may use a financial card to make a purchase at a merchant. An institution system may receive and analyze transaction data associated with the purchase. The institution system may send a notice to the user asking if the user would like insurance coverage for the item(s) pertaining to the purchase. The notice may request the user send a photo of the item(s) or documentation pertaining to the item(s) to the institution system.

Abstract: A computerized system of tracking health conditions of users associated with a client for diagnosing sleep apnea through forming an encrypted web based questionnaire. The user inputs information such as company personal information, individual personal information, health information, and personal health information. This information is then electronically compiled and a health screening service report is outputted such as witnessed sleep apnea, self admitted sleep apnea, body mass index of each user, and summary of results of a sleep test.

Abstract: Systems and methods are provided for look-alike sound-alike medication error messaging. Prescription data relating to a prescription is parsed to identify a submitted drug product and a submitted daily dosage. An absolute dose screening process may be executed to determine whether the submitted daily dosage meets absolute dosing criteria for the submitted drug product. A typical dose screening process may be executed to determine whether the submitted daily dosage meets statistically derived typical dosing criteria for the submitted drug product and any look-alike sound-alike alternative drug products. If it is determined that the prescription should be rejected based on typical dosing criteria or absolute dosing criteria, a reject message may be built for presentation to the pharmacist.

Abstract: A system and method for the optimization of scheduling visits by a clinician to a plurality of remotely located patients. A plurality of predefined or clinician specified risk factors are combined with patient data with a home visit interval algorithm to specify a visit interval for each patient. This interval is used with a calendar with other information regarding past and future scheduled visits to determine the optimal date for the next visit to the patient by the clinician. The patient risk factors may be weighted to place more emphasis on specific factors, thus allowing for the tailoring of the system to meet the needs of an individual patient.

Abstract: A computer-implemented method and system for determining breach of duty in premises liability for an accident is provided. In one embodiment, breach of duty may be determined from characteristics of the accident. Characteristics may be provided to the computer system and evaluated to determine the breach of duty. In an embodiment, characteristics may include an insured type. Breach of duty may be determined for a claimant that includes an invitee, licensee, or trespasser.

Abstract: Computer-implemented methods and systems for estimating liability for a vehicle accident are provided. In an embodiment, claim data may be accessed for one or more claims relating to a vehicle accident from a first database on a computer system. In some embodiments, the claim data may be accessed if the claim data is not stored on a second database. In other embodiments, the accessed claim data may be stored on a second database on the computer system. The second database may be associated with a method and system for estimating liability in the vehicle accident. In further embodiments, the stored claim data for one or more of the claims may be accessed on the second database for use by the method and system for estimating liability in the vehicle accident.

Abstract: The present invention relates to a system and method for electronic and algorithmic data mining of an individual physician's prescribing history to determine the approximate distribution of diseases within their practice population for optimizing pharmaceutical sales and marketing. Rapid and large-scale determination of specific clinical safety and efficacy attributes of a marketed drug which are most pertinent and relevant to a given physician, when compared to a competitor's drug, are defined and tabularized. Major clinical characteristics taken into account include a drug's safety, efficacy, cost, dosing convenience, formulary insurance coverage, side effect profiles, and FDA approval for the intended use. A symbolic representation of knowledge is employed in which the marketed drug and each competitor's drug are compared algorithmically against each other with a scoring system that is based upon machine analysis of each major clinical characteristic.

Abstract: Systems and methods are provided for performing data collection of insurance related submitted data provided by an applicant for insurance on a submitted form. The system may comprise a data input portion that inputs the submitted form so that the submitted data on the submitted form is available to a data entry operator; and a data collector tool, which processes entered data that is entered by the data entry operator, onto an internal electronic form, based on the submitted data submitted by the applicant.

Abstract: The present invention provides a medical support system capable of properly supporting entry of medical information by a medical professional. A medical support system stores, as medical data, first medical information entered by a medical professional as an operator, and second medical information entered without direct intervention of the medical professional. Further, the medical support system generates and outputs support information for supporting entry of the first medical information by the medical professional. In the medical support system, the support information is generated on the basis of the first medical information and second medical information being entered. Therefore, in the medical support system, when the first medical information and second medical information being entered changes, the support information to be generated also changes.

Abstract: A computer-implemented method and system for estimating a contribution of a defense to premises liability is provided. In one embodiment, a set of characteristics of an accident may be provided to a computer system. A contribution of the defense may be determined from at least one of the characteristics of the accident. In one embodiment, a characteristic may include a location of the accident. The defense may selected from a group of one or more defenses.

Abstract: A computerized system method for displaying a predicted length of stay and actual length of stay in an inpatient healthcare facility for a patient is provided. A predicted length of stay and an actual length of inpatient stay in a healthcare facility for a patient are accessed. The predicted length of stay and the actual length of inpatient stay for the patient are displayed concurrently.

Abstract: The development and use of a model to estimate disability insurance exposure for a group of individuals to be underwritten for a coverage period is disclosed. The development of the model includes the use of medical claim data having a plurality % of medical claims made by a first model population having at least a respective plurality of first model population members and a disability insurance claim data having a plurality of disability insurance claims made by a second model population having at least a respective plurality of second model population members, which optionally may partially or wholly overlap with the first model population. A clinical medical condition classification system assigns corresponding medical condition causes to the disability insurance claims and the medical claims based on medical condition information.

Abstract: Computer-implemented methods and systems for estimating liability for a vehicle accident are provided. In one embodiment, at least one stopping distance of a vehicle may be estimated. In some embodiments, a stopping distance may include an approximate distance for the vehicle traveling at a specified speed to stop to avoid the accident. A perception distance that may correspond to an approximate distance from the accident at which the vehicle sensed danger of an accident may be estimated. In certain embodiments, an opportunity of the vehicle to avoid the accident using the perception distance may be assessed. Some embodiments may include estimating an effect on liability based on the opportunity to avoid the accident.

Abstract: A method for determining an optimal sharing mix in a shared savings prescription plan, the method includes identifying a first drug group and a second drug group, wherein the first drug group and the second drug group are formulary equivalents of each other and each include one or more prescriptions, determining a total cost to the first entity for the first drug group and an estimated total cost to the first entity for the second drug group, determining a savings rate associated with utilizing the second drug group versus the first drug group, determining a distribution amount as a function of the savings rate and the total cost to the first entity for the first drug group, and distributing the distribution amount to at least one of a first entity, a second entity, and a third entity based upon one or more predetermined percentages.

Abstract: Methods and systems are provided for estimating liability in an accident. In one embodiment, liability estimation in a vehicle accident may be based on a plurality of characteristics that describe the accident. The liability may be determined from characteristics including: conditions of vehicles in the accident, conditions of drivers in the accident, actions of drivers in the accident, and/or environmental conditions in the accident. The characteristics from an actual accident may be compared to those in a past or theoretical accident. Liability may be estimated from a preassigned liability associated with a nearest matching past or theoretical accident.

Abstract: A system for at least a partial underwriting of insurance policies is described. based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made. this decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.

Abstract: A method for evaluating risks associated with flooding in a geographical region comprises the steps of defining the region, dividing the region into a plurality of grid cells, identifying data relating to characteristics of the region within the cells, determining a probability of occurrence of a flood related event in a selected grid cell using the identified data, and determining an insurance premium for the risk. Certain embodiments are implemented using a computer, and involve reference to an alternative source of information regarding the occurrence of flood-related events in a geographical region. In one embodiment, a model is developed and calibrated by reference to data from a first geographic region, and subsequently used to determine the probability of occurrence of a flood event in a second region.

Abstract: The present invention involves a ministry and religious institution insurance transaction system and method which allows for quoting, rate determination, policy creation and saving quote and policy application information through a web based interface linking a remote insurance agent or potential customer to an insurance company office. The business method of this invention provides for the sign on and authentication of a remote agent or potential customer who is then allowed to request, gather and submit information for quoting an insurance policy. A copy of the quote information is transferred to the insurance company office system where the quote information is supplemented with rate data. The completed quote is then available for display and editing. The rated quote can be used as a basis for generating a proposal referencing coverage descriptions for the client and as the basis for preparation of a policy application.

Abstract: A method of fulfilling needs acquired as a result of property and other similar losses, the method involving the steps of directing a person or entity with a need resulting from a loss to a site on a global computer network, interviewing the person or entity at the site to obtain information about the person or entity and the need they have, and analyzing and processing the information to provide the person or entity automatic access at the site to at least one service that will go toward fulfilling the need of the person or entity.