Abstract: Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility.

Abstract: Pursuant to some embodiments, systems, methods and devices are provided for insurance processing including installing a medical monitoring application associated with a user of a mobile device, the medical monitoring application including configuration data associated with at least a first medical monitoring rule, displaying, under control of the medical monitoring application, a series of instructions to cause the mobile device to be configured to communicate with at least a first biometric sensor, collecting, based on the at least first medical monitoring rule, a set of biometric data from the at least first biometric sensor, and transmitting the set of biometric data from the mobile device to a remote processing system for processing a request for insurance.

Abstract: A health-data-portal aggregator executing a stored program to accept medical information entered by the patient for storage on the electronic computer, upload electronic clinical records generated by a healthcare institution in electronic format viewable in a browser interpreting HTML, and generate a downloaded index file in a format viewable in a browser interpreting HTML, the index file including patient medical data selected from at least one of: (1) the medical information from the patient and (2) the clinical records of the patient and accessible by at least one HTML link.

Abstract: To determine a vehicle treatment facility for treating a damaged vehicle after a crash, several treatment facilities within a predetermined distance of the damaged vehicle are categorized by treatment complexity level. Treatment facilities within the same treatment complexity level category as the damaged vehicle are ranked based on several treatment facility evaluation characteristics such as repair duration data, quality rating, availability, price schedule, location data, or a quality rating for one or more suppliers used by the treatment facility. A treatment facility is then selected for treating the damaged vehicle based on the rankings.

Abstract: A method and corresponding system to help maintain continuity of service level for a client device, such as where the client device is being served by an access network in accordance with a set of policy rules and the client device is going to stop being served by that access network and may then be served by another network. To help provide service continuity, the serving access network may detect that the client device is going to stop being served by the access network, and, responsively but before the client device stops being served by the access network, the access network or another entity may provision the client device with one or more service policy rules that the client device itself may then apply when the client device is no longer being served by the access network, such as when the client device is being served by another network instead.

Abstract: A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data in the form of a flat file. An extraction tool extracts data. A model validation tool validates a model by scoring an analytical environment data set and a production environment data set. A model execution tool allows a user to select when and how often a model is scored.

Abstract: Tagged driving events may be generated during a driving session from sensor data collected via one or more sensors and/or entered by an instructor. The tagged driving events may include a description of each driving event and its associated severity or weight as it relates to a scoring process as well as a time and/or a location of the driving event. A driving session report may be generated using the tagged driving events and may include a driver feedback score that is weighted based on the severity associated with each of the tagged driving events and/or the collected data, a map of the driving session route that indicates a map location of each tagged driving event, and/or a listing of each tagged driving event. The driving session report may be displayed such that a user may select a tagged driving event to view information associated with the tagged driving event.

Abstract: An automated insurance quote system allows users to apply for one or more insurance quotes through a self-service communication channel. The system includes an interface that may receive applicant data from a remote location. A front-end processor selectively passes applicant data to a record keeping system retained in a memory. A controller or quote processors selects and transmits one or more insurance policies that are allowed under a user's governmental law and are tailored to the user's price and/or coverage preferences. The system conveys coverage details to users through the interface.

Abstract: Collecting, validating, managing, and sharing data, for example healthcare and patient data, may include using a networked portable device. A forms-based system and process (referred to in some embodiments as DirectForms™) may allow clinical staff to efficiently collect and validate data on portable devices. In accordance with an embodiment, the system combines a portable computing device, validation of data, network connectivity, and an opportunity for shared effort among users via industry-standard (for example HL7 compliant) or customized interfaces. A server-based utility may route forms and HL7-compliant data transaction exports. Interfaces may provide for merging data into appropriate patient records. Some systems may be used in an ambulatory care setting. Various aspects may provide for improved clinical assessment, effective patient management, cost savings, and the ability to provide a more efficient billing process.

Abstract: Disclosed are a device, system and methods for detecting an anomaly associated with driving of a vehicle. Z-axis acceleration data is determined at the device. Based on the Z-axis acceleration data, jerk energies are computed and transmitted to the system for analysis. Further, the jerk energies are received for a plurality of trips at the system. Further, at the system, statistical analysis is performed on the jerk energies for determining a hazard rate for each trip of the plurality of trips. Then based on the hazard rate determined for each of the plurality of trips, a trend analysis is performed. Based on the trend analysis, any anomaly associated with the driving of the vehicle is detected. Further, the anomaly detected may be notified to a person associated with the device or with a monitoring terminal.

Abstract: A method includes receiving data about potential impairment of a vehicle operator, wherein the data about potential impairment is generated by: (i) a first optical sensor monitoring a vehicle operator, and (ii) a second optical sensor monitoring an environment ahead of a vehicle operated by the vehicle operator. The computer-implemented method further includes assigning a plurality of scores based on the data about potential vehicle operator impairment, wherein each of the plurality of scores corresponds to a respective impairment indicator, determining an impairment score by performing a mathematical operation on the plurality of scores, and providing the impairment score to a remote device configured to alert the vehicle operator based on the impairment score.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: A wireless transmission system and method is provided for use in a vehicle having an on-board diagnostic (OBD) system configured to provide vehicle speed data and engine operation status data. A transmission apparatus is interfaceable with the on-board diagnostic system. The transmission apparatus is configured to transmit a wireless signal as specified by Bluetooth criteria. A mobile computing device has an input device, a GPS module, and a wireless transceiver configured to receive the wireless signal in accordance with Bluetooth criteria and determine a signal level thereof. The GPS module is configured to provide GPS data as determined by received GPS signals. The mobile computing device operates in accordance with a method for determining is the mobile computing device is with a driver's seating area and disables the input device if the vehicle speed is at or above a threshold value.

Abstract: An improved technique involves generating KBA questions from facts obtained from a personal information management (PIM) server under the control of an organization. Along these lines, such an organization acquires facts from documents such as emails, meeting notices, presentations, and spreadsheets that are stored on a PIM server such as a Microsoft® Exchange server or IBM Lotus® Domino server. A KBA server then generates KBA questions from the acquired facts and stores the KBA questions on a question server. In some arrangements, the KBA server filters out KBA questions based on the nature of the facts from which the KBA questions were derived. The remaining KBA questions are ranked based on historical question data; the KBA server provides the most highly ranked KBA questions to a user claiming to be a member of the organization.

Abstract: A system for remotely assessing the condition of a roof of a building is disclosed. The system may compare multiple pieces of image data of the roof, representing the roof at different moments in time, to determine if at least a portion of the roof has been repaired, replaced or damaged in the time between the pieces of image data. If the roof is determined to have been repaired, replaced or damaged, the system may calculate a date of repair, replacement or damage of the roof that corresponds to the date on which at least one of the pieces of image data was captured or created. In the case where the roof has been repaired or replaced, the system may calculate the age of the roof based on the date of repair or replacement, and subsequently, calculate the actual cash value (ACV) of the roof based on the roof age.

Abstract: System and method for using automated 3D scans to diagnose the mechanical status of substantially intact vehicles. One or more processor controlled 3D scanners utilize optical and other methods to assess the exposed surfaces of various vehicle components. Computer vision and other computerized pattern recognition techniques then compare the 3D scanner output versus a reference computer database of these various vehicle components in various normal and malfunctioning states. Those components judged to be aberrant are flagged. These flagged components can be reported to the vehicle users, as well as various insurance or repair entities. In some embodiments, the 3D scans can be performed using time-of-flight cameras, and optionally infrared, stereoscopic, and even audio sensors attached to the processor controlled arm of a mobile robot. Much of the subsequent data analysis and management can be done using remote Internet servers.

Abstract: Methods, computer-readable media, software, and apparatuses provide a system for forming and managing a caravan of vehicles. The system may include computing devices in a plurality of vehicles belonging to a caravan. The computing devices participating in the caravan may communicate various information to each other. This information may be used to generate and manage a route for the caravan. The system may also be used to select a leader and/or order of the caravan for a particular trip. During the trip, the system may monitor the caravan and analyze inputs from participants and vehicles. Further, the system may modify the route based on such inputs and distribute the modified route to participating computing devices so that the caravan may be maintained.

Abstract: A method for estimating a risk profile of a user of a personal digital assistant (PDA) includes collecting, using the PDA, data indicative of a travel pattern of the user of the PDA. The risk profile of the user of the PDA is inferred from the travel pattern. The risk profile to is output an external system, so as to enable the external system to provide to the user a commercial offer based on a risk level which is indicated by the risk profile.

Abstract: A method and system for profiling a user based upon a user's previous on-line actions is provided. The profile provides a characterization of the user's preferences based upon a received user event. The user event identifying event identification information and a user identifier. A look-up in a cached web map is performed to retrieve classification information associated with the event identification information. A user profile is retrieved or created for the user identifier. Profile update information is generated based upon the retrieved classification information for the user event, to identify how the user is to be updated based upon the retrieved classification information and defined profiling rules. The user profile is updated and stored for access by an external advertising server. The classification information provides a text-score record comprising a text string and a score defined in relation to a lexical ontology comprising a hierarchy of categories.

Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Abstract: An automobile device transmits automobile data to a server in a communication network. The automobile device records the automobile data received from one or more sensors installed in an automobile. The automobile device transmits a random access preamble on an uplink carrier to a base station when a pre-defined condition is met. The automobile device encrypts the automobile data and transmits the encrypted automobile data to a server via a base station.

Abstract: Information processing systems, reasoning modules, and reasoning system design methods are described. According to one aspect, an information processing system includes working memory comprising a semantic graph which comprises a plurality of abstractions, wherein the abstractions individually include an individual which is defined according to an ontology and a reasoning system comprising a plurality of reasoning modules which are configured to process different abstractions of the semantic graph, wherein a first of the reasoning modules is configured to process a plurality of abstractions which include individuals of a first classification type of the ontology and a second of the reasoning modules is configured to process a plurality of abstractions which include individuals of a second classification type of the ontology, wherein the first and second classification types are different.

Abstract: A data consistency management system may include a memory storing machine readable instructions to receive a query, and determine a suitability of the query for processing by a NoSQL data store, or a RDBMS. The memory may further include machine readable instructions to rank data tables based on a combination of read queries and query patterns suitable for the NoSQL data store. Based on the ranking, the memory may further include machine readable instructions to determine data tables that are to be managed by the NoSQL data store, or by the RDBMS, determine whether the query is for a data table managed by the NoSQL data store, and based on a determination that the query is for a data table managed by the NoSQL data store, translate the query to NoSQL API calls for using the NoSQL data store to respond to the query.

Abstract: Under an embodiment of the invention, a web site system maintains a real estate web page. The web page has an aerial image map of a geographic region that can be navigated by a user. The web site system facilitates online collaboration for real estate transactions. When the user registers, the system creates a user account for real estate information. Real estate agents and/or other real estate service providers selected by the user are granted shared access to the user's account by the web site system.

Abstract: Methods and systems for offering and providing trip-based vehicle insurance are provided. Information is received regarding a vehicle operator and a vehicle, and trip-based insurance policies including quantities of vehicle use units are offered to the customer. Based on selected coverage types, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle use units and may facilitate a purchase transaction with the customer for the insurance policy. Once a policy is selected and purchased, the system and method monitor vehicle use to determine each use of a vehicle use unit. Each vehicle use unit generally corresponds to one vehicle trip, but additional vehicle trip limitations may be added that may result in additional charges when exceeded during the course of a vehicle trip.

Abstract: According to an embodiment of the present invention, a computer implemented method and system for identifying potential fraud with targeted benefits comprising: receiving, using a programmed computer processor, participant data associated with a participant of a targeted benefit program wherein the participant data comprises geographical data associated with the participant and a participating merchant; applying, using a programmed computer processor, data linking to the participant data where a plurality of filters are applied to the participant data to identify potential fraud; and providing an output, via an interface, comprising a recommended response to the identified potential fraud.

Abstract: Methods for analyzing and rendering business intelligence data allow for efficient scalability as datasets grow in size. Human intervention is minimized by augmented decision making ability in selecting what aspects of large datasets should be focused on to drive key business outcomes. Variable value combinations that are predominant drivers of key observations are automatically determined from several competing variable value combinations. The identified variable value combinations can then be then used to predict future trends underlying the business intelligence data. In another embodiment, an observed outcome is decomposed into multiple contributing drivers and the impact of each of the contributing drivers can be analyzed and numerically quantified—as a static snapshot or as a time-varying evolution.

Abstract: A mapping data of a location associated with a traffic collision incident can be presented within an automobile incident application interface executing within a computing device. A visualization of the incident can be performed within the interface. The visualization can be a computer generated graphic re-creation of the incident having a starting location and a collision location associated with an object model. The object model can be a graphical representation of a vehicle. A user input can be received during the visualization. The user input can include manipulating the position of an object model presented upon the mapping data. The manipulation can be a translation, rotation, and/or scaling operation. The object model can be associated with visualization data which can link the object model with a heading and/or a track. The appropriate heading and track of the object model can be visually presented within the interface.

Abstract: A method includes defining a plurality of crop field boundaries such that an area of land falls within each of the plurality of field boundaries. The method further includes maintaining the plurality of crop field boundaries within the crop recordkeeping system, using a first of the crop field boundaries in performing a first function of the crop recordkeeping system executing on a computer, and using a second of the crop field boundaries in performing a second function of the crop recordkeeping system executing on the computer.

Abstract: A system and method are described herein for acquiring and maintaining, in a centralized repository, driver and vehicle information for the purpose of rendering a rating for individual drivers and vehicles in accordance with established criteria and standards. A driver rating indicates the relative desirability of the particular driver given the expected wear and tear upon a vehicle arising from driver's use of the vehicle. A vehicle rating indicates the relative desirability of the particular vehicle given the use and maintenance history. Additional information is also maintained in the centralized repository that could be used to indicate an event for which a surcharge or discount is applicable. Thereafter, specified filtering criteria are applied bi-laterally to determine a set of rated vehicles that can be used by a particular rated driver.

Abstract: Under an embodiment of the invention, a web site system maintains a real estate web page. The web page has an aerial image map of a geographic region that can be navigated by a user. The web site system facilitates online collaboration for real estate transactions. When the user registers, the system creates a user account for real estate information. Real estate agents and/or other real estate service providers selected by the user are granted shared access to the user's account by the web site system.

Abstract: A mobile computerized apparatus configured to provide membership status in a roadside assistance program after occurrence of a roadside event is disclosed. The apparatus executes instructions that cause/allow the apparatus to receive input related to an electronic membership card, retrieve from a data store membership information associated with the vehicle, and dynamically update the electronic membership card for display on the apparatus.

Abstract: Methods and systems are disclosed for issuing bills on an account to a primary account holder and at least one secondary account holder. The methods and systems allow separate component bills to be sent to the primary and secondary account holders based on instructions received from the primary account holder. In one embodiment, the component bills represent the portion of the total bill that is attributable to the recipient of the component bill. In another embodiment, payment reminders are sent to the primary and secondary account holders before the payment deadline. Account identification information can be encoded on each payment received from a primary or secondary account holder so that the payment can be properly credited to the account.

Abstract: An IP endpoint comprising a processor; a memory; and an application stored in the memory that, when executed by the processor receives from a mobile communications device a mobile device report indicating congestion experienced by data transmitted by the mobile communications device during an interval, receives from a network element an element report indicating congestion experienced by data transmitted by the network element during another interval, and generates a congestion model based on the mobile device report and the element report.

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.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for determining the identity of an object in an image where the object in the image is in a disassembled state. In one aspect, a method includes accessing previous interactive sessions, each of the interactive sessions including images of a reference object in one or more disassembled states and each of the interactive sessions specifying an identity of the reference object in an assembled state; processing an image of a first object to identify characteristics of the first object, the first object being in a disassembled state in the image; comparing the image of the first object in the disassembled state to images of reference objects in disassembled states; and determining an identity of the first object based on the comparison and the identities of the reference objects in assembled states specified in the interactive sessions.

Abstract: The present disclosure relates to compositions comprising 2,3,3,3-tetrafluoropropene that may be useful as heat transfer compositions, aerosol propellants, foaming agents, blowing agents, solvents, cleaning agents, carrier fluids, displacement drying agents, buffing abrasion agents, polymerization media, expansion agents for polyolefins and polyurethane, gaseous dielectrics, extinguishing agents, and fire suppression agents in liquid or gaseous form. Additionally, the present disclosure relates to compositions comprising 1,1,2,3-tetrachloropropene, 2-chloro-3,3,3-trifluoropropene, or 2-chloro-1,1,1,2-tetrafluoropropane, which may be useful in processes to produce 2,3,3,3-tetrafluoropropene.

Abstract: A system for determining a driver log entry comprises a processor and a memory. The processor is configured to determine a log start time. The processor is configured to determine a driver identity after the log start time. The processor is configured to determine whether a change to the driver identity has occurred based at least in part on a sensor data. In the event that the driver identity has changed, the processor is configured to determine a log stop time and determine a driver log entry using the log start time, the driver identity, and the log stop time.

Abstract: Method for analyzing a crash event. The method may comprise receiving an acceleration of a vehicle over a predetermined length of time, the vehicle involved in the crash event, determining a change in velocity of the vehicle based on the acceleration, determining vehicle information relating to the vehicle involved in the crash event, and estimating a damage cost for the vehicle involved in the crash event, and/or estimating injuries to occupant(s) of the vehicle involved in the crash event. Estimating damage cost(s) may include determining crash force information for the vehicle, determining physical-damage characteristics of the vehicle subsequent to the crash event, and calculating the estimated damage cost to the vehicle. Estimating injuries to the occupant(s) may include determining occupant information relating to the occupant of the vehicle, calculating estimated forces exerted on the occupant, and calculating an injury probability for various body portions for the occupant.

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

Abstract: A unified search service may collect information related to an enterprise from at least one of publicly available data and private enterprise data. In some implementations, crowd sourcing may be used to determine a source list of one or more sources of information. Authored content can be generated, such as by combining one or more items of information from the public data with one or more items of information from the private enterprise data. Further, in some implementations, a public index may be generated from the public data, and one or more affiliation indexes may be generated from the private enterprise data. For example, a first affiliation index may contain confidential enterprise information, while a second affiliation index may contain non-confidential enterprise information. A user's affiliation to the enterprise may be taken into consideration when determining which indexes to use when responding to a search request from the user.

Abstract: A system and method for prescription management is disclosed. The system includes a prescription management non-transitory storage medium that guides a healthcare provider licensed to write one or more prescriptions, the healthcare provider licensed to write the one or more prescriptions chooses from one or more prescriptions offered by an insurance carrier. The method includes a patient user enrolling in a Medicaid or a health insurance plan on a website, controlling the web database system by a Medicaid provider or a health insurance carrier and the Medicaid provider or the health insurance carrier selecting one or more economical prescriptions from the web database system to treat the patient user.

Abstract: A method and system for estimating the best price for a prescription at a local pharmacy where both the patient and the physician are able to see the best prescription price and location of the pharmacy to make a healthcare choice.

Abstract: An insurance product provides coverage for value escalation in a highly capitalized project. One or more indices are used to obtain a quantification of volatility of the value of the project over the project lifecycle. Probabilities of value changes over the project lifecycle can be generated from an index, which can be solely representative of the project value, or can be the result of combinations of one or more indices to approximate project value changes. The project value change probabilities are used to estimate an amount of insurance coverage that can be applied to cover project value changes. The party responsible for the project can purchase the insurance product with a premium derived from the amount and type of coverage tied to the index. The insurance product assists the responsible party in containing changes in project value over the course of the project life cycle.

Abstract: A method comprising receiving at least one document that is associated with a life insurance policy; assigning a respective value to each of the at least one document, in which the value indicates a level of importance; determining a summation of the at least one document; determining an indication for the life insurance policy, in which the indication is based on the summation of the at least one document and at least one of the values; and displaying the indication.

Abstract: A system and method are disclosed herein to determine an insurance policy benefit based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative of preliminary telematics data collected by a smartphone associated with a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data collected prior to issuance of an insurance policy for the vehicle. The processor is configured to calculate and apply an initial insurance policy benefit in exchange for receiving the data indicative of actual telematics data. When the data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final insurance policy benefit and replace the initial insurance policy benefit with the final insurance policy benefit.

Abstract: Disclosed are methods and apparatus for managing services within a computer network. In one embodiment, a message interchange network for exchanging application-level messages between services, which are located outside the message interchange network, is provided. At the message interchange network, a plurality of application-level messages, which each specify which one or more receiving services are to receive the each application-level message, are received. Each received application-level message is forward towards the one or more receiving services. Correlation information regarding each application-level message that is received into message interchange network is retained. The application-level messages are sent between pairs of the services, and the retained correlation information for each application-level message pertains to each application-level message and any other application-level messages related to the each application-level message.

Abstract: According to some embodiments, an insurance business process may have a series of business process actions. Moreover, point of service customer interaction data associated with the insurance business process may be received along with external third-party information associated with a context of the insurance business process. Based on the external third-party data, the point of service customer interaction data may be systematically analyzed to identify a trend. The trend may be analytically mapped to a first business process action in the insurance business process. An indication of a recommended change to the first business process action may then be output based at least in part on the identified trend.

Abstract: There are included: a step for receiving, through communication, pieces of operation information each including (a) operating state information of a device and (b) user information for identifying a user, in association with each other; a step storing the pieces of the operation information received in the receiving into a first storage unit; a step for reading, from a second storage unit, behavior tendency information including, in association with each other, (c) operating state information of at least one device and (d) a predetermined user behavior tendency of the user; and a step for specifying the predetermined user behavior tendency which corresponds to the operating state information of at least one device, by searching the pieces of the operation information for the operating state information of at least one device which is included in the behavior tendency information.

Abstract: What is provided is a computer-implemented method, apparatus and article for funding life insurance premiums using one or more fixed structured settlements. A loan may be taken to fund an insurance policy, in an amount equal to a first premium payment for the life insurance policy and funds sufficient to purchase the fixed structured settlement to pay the total and subsequent scheduled premiums. The fixed structured settlement has returns of income payable in fixed amounts according to a payout schedule. The income from the fixed structured settlement may be paid to the loan, and then used to pay the insurance policy premium amounts that are due according to a premium schedule. The fixed structured settlement may be selected based upon having net income paid in amounts sufficient to meet the insurance policy premiums due and loan costs, with a payout schedule sufficient to meet the premium schedule.