Abstract: The present invention provides a computer system including software with computer implemented methods for assessing health insurance risk profiles for a company group and for its individual employees, which system provides methods for assigning the appropriate health insurance costs and/or rates for the company group. In a preferred aspect, the software and methods provide an improved way to manage and control medical costs through lower administration and sales costs. The present invention further relates to electronic commerce in general, and, more particularly, to a computer implemented data processing system that provides an efficient market for the provision of insurance directly to those seeking insurance by an online computer insurance brokerage, rating and underwriting service that is combined with carrier and/or third party provider services and which may optionally avoid the need for those seeking such insurance to utilize a broker/agent/consultant.

Abstract: The field of the present invention relates generally to computer systems, private computer networks or private virtual networks for managed peer to peer or peer to server communications with respect to activities of chance such as gaming and investing and to methods and software for accessing, utilizing and managing private computer networks or virtual private networks including servers and clients. More particularly, the present invention relates to a system, methods and software for creating, maintaining, accessing, navigating and persisting relationship between servers with other servers and/or clients within a private or virtual private network for managed peer to peer communications for activities of chance such as gaming or investing.

Abstract: The present invention relates generally to an individualized web-based browser interface and associated software for accessing at least one web-based search engine with the ability to wrapper and present some or all of the search results obtained from the at least one search engine in a presentation format or order that is based upon the profile of a particular end user for a computer system where the browser is installed. The invention further relates to a method for improved web-based advertising by validating advertising click-throughs of web page thumbnails or advertisements that are presented to an individual having a particular profile with respect to an advertiser's metrics in place of, or in addition to, presenting such a thumbnail from the advertiser to anyone who structures a search having certain terms or meta data criteria corresponding to a specific group of corresponding web pages.

Abstract: The present invention provides a computer system and software that implements and supports a method to permit a digital media peer-to-peer or peer to server exchange while providing a secure and high speed transmission of media files across an internet, intranet or cable network in such a manner as to avoid illegal or un-permitted end user digital file sharing or copying. More particularly, the invention provides a method that combines a digital media encryption technique and unique user key to permit transmission of digital media information in a very compressed or compacted small-size file that is essentially incapable of being decoded without a legitimate user key.

Abstract: The present invention provides a business method, computer system and software that permit a digital media peer-to-peer or server-to-peer exchange, with sponsored media access, while providing a secure and high speed transmission of media files across an internet, intranet or cable network in such a manner as to avoid illegal or un-permitted end user digital file sharing or copying. More particularly, the invention provides a method that combines a digital media encryption technique and unique user key to permit transmission of digital media information in a very compressed or compacted small-size file that is essentially incapable of being decoded without a legitimate user key. The network or virtual private network provides computer hardware, software and at least one interface for advertisers to view marketing factor listings corresponding to network end users and to provide sponsored digital media access for selected listings of end users in exchange for targeted advertising of users.