Patent US6922720B2 successfully refreshed from Google Patents.
US6922720B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Systems and methods for insuring data over the internet
Assignee: PROTOGO Inc
•
Filing: 2002-03-07
•
Granted: 2005-07-26
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Expires: 2022-03-07
Abstract
Abstract Systems and methods are provided 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 (wireless application protocol), VOIP (voice-over IP), 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 instruction 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 further includes charging a fee to an appropriate account for the selected coverage type and amount.
Inventors
- 👤 Krys Cianciarulo
- 👤 Stephen Cardot
- 👤 Thomas Weiseth
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 14:33
CPC Classifications
H; H04; H04L; H04L67/00; H04L67/01; H04L67/06; G; G06; G06Q; G06Q10/00; G06Q10/10; G06Q20/00; G06Q20/38; G06Q20/382; G06Q20/3823; G06Q30/00; G06Q30/04; G06Q40/00; G06Q40/02; G06Q40/08; G06Q50/00; G06Q50/60; H04L51/00; H04L51/21; H04L51/23; H04L63/00; H04L63/08; H04L63/083
Claims Analysis
Total Claims: 68
Claim 1
Independent Claim
170 words
A system for providing transmission-coverage for transmission of data from a first remote client to a second remote client over a communications network, the system comprising: a computer server communicatively coupled to the first remote client and to the second remote client over the communications network, wherein the server includes: a receiver that is operative to receive a request from the first remote client to cover transmission of a set of data between the first remote client and the second remote client, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission, a charging mechanism that is operative, based on the request, to charge a transmission-coverage fee to an identified account for the selected transmission-coverage type having the selected transmission-coverage amount, and a logging mechanism that is operative to log a status of the transmission into a logging data structure; wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 2
Independent Claim
170 words
A system for providing transmission-coverage for transmission of data from a first remote client to a second remote client over a communications network, the system comprising: a computer server communicatively coupled to the first remote client and to the second remote client over the communications network, wherein the server includes: a receiver that is operative to receive a request from the first remote client to cover transmission of a set of data between the first remote client and the second remote client, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission, a charging mechanism that is operative, based on the request, to charge a transmission-coverage fee to an identified account for the selected transmission-coverage type having the selected transmission-coverage amount, and a logging mechanism that is operative to log a status of the transmission into a logging data structure; wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 3
Dependent Claim
50 words
The system of claim 1 , wherein the request includes data that indirectly selects the selected transmission-coverage type and the selected transmission-coverage amount for the transmission from a data structure that maintains a plurality of contractual relationships, each of which specifies a set of business rules for a given transmission.
Claim 4
Dependent Claim
26 words
The system of claim 1 , wherein the request includes data that directly specifies the selected transmission-coverage type and the selected transmission-coverage amount for the transmission.
Claim 5
Dependent Claim
19 words
The system of claim 1 , wherein at least a portion of the transmission is over an internet network.
Claim 6
Dependent Claim
16 words
The system of claim 1 , wherein the set of data includes a streaming data set.
Claim 7
Dependent Claim
15 words
The system of claim 1 , wherein the set of data includes an electronic document.
Claim 8
Dependent Claim
34 words
The system of claim 1 , wherein the server is further operative to receive a delivery verification to the server, and to log the delivery verification of the transmission into the logging data structure.
Claim 9
Dependent Claim
51 words
The system of claim 1 , wherein the server is further operative to provide on-line, a website interface that receives input from the first remote client into a predefined set of data fields within one or more web pages to select the coverage type and the coverage amount for the transmission.
Claim 10
Dependent Claim
42 words
The system of claim 8 , wherein the input received from the first remote client defines a set of business rules for the transmission and is stored as a data structure that is correlated to the transmission in the logging data structure.
Claim 11
Dependent Claim
40 words
The system of claim 8 , wherein the input received from the first remote client defines a contractual relationship for the transmission and is stored as a data structure that is correlated to the transmission in the logging data structure.
Claim 12
Dependent Claim
52 words
The system of claim 1 , wherein the server is further operative to provide on-line, a website interface that receives input from the first remote client into a predefined set of data fields within one or more web pages to select one of a plurality of different coverage amounts for the transmission.
Claim 13
Dependent Claim
36 words
The system of claim 1 , wherein the selected transmission-coverage type includes a combination of two or more coverage types selected from a group consisting of insuring the transmission, bonding the transmission, and underwriting the transmission.
Claim 14
Dependent Claim
56 words
The system of claim 1 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and wherein the request includes data specifying a first transmission-coverage type for transmission of the first subset and a different second transmission-coverage type for transmission of the second subset.
Claim 15
Dependent Claim
56 words
The system of claim 1 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and wherein the request includes data specifying a first transmission-coverage amount for transmission of the first subset and a different second transmission-coverage amount for transmission of the second subset.
Claim 16
Dependent Claim
85 words
The system of claim 1 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and wherein the request includes data specifying a first transmission-coverage type for transmission of the first subset and a different second transmission-coverage type for transmission of the second subset, and wherein the request includes data specifying a first transmission-coverage amount for transmission of the first subset and a different second transmission-coverage amount for transmission of the second subset.
Claim 17
Dependent Claim
23 words
The system of claim 1 , further comprising a plurality of remote clients including the first remote client and the second remote client.
Claim 18
Dependent Claim
26 words
The system of claim 1 , further comprising a security transmission engine logically connected to the first client, wherein the engine encrypts the set of data.
Claim 19
Dependent Claim
20 words
The system of claim 1 , wherein the bonding coverage amount is payable only if the transmission was also mis-received.
Claim 20
Dependent Claim
24 words
The system of claim 1 , wherein the bonding coverage amount is payable only if the transmission was also intercepted by an unintended recipient.
Claim 21
Dependent Claim
25 words
The system of claim 1 , wherein the bonding coverage amount is payable only if the transmission was also tampered with by an unintended recipient.
Claim 22
Independent Claim
117 words
A method comprising: electronically receiving a request from a first remote computer client to cover transmission of a set of data between the first remote client and a second remote client over a communications network, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission, charging with a network server, based on the request, a transmission-coverage fee to an identified account for the specified transmission-coverage type having the specified transmission-coverage amount, and logging with the network server a status of the communication into a logging data structure; wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 23
Independent Claim
117 words
A method comprising: electronically receiving a request from a first remote computer client to cover transmission of a set of data between the first remote client and a second remote client over a communications network, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission, charging with a network server, based on the request, a transmission-coverage fee to an identified account for the specified transmission-coverage type having the specified transmission-coverage amount, and logging with the network server a status of the communication into a logging data structure; wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 24
Dependent Claim
50 words
The method of claim 21 , further comprising, based on the request, indirectly selecting the specified transmission-coverage type and the specified transmission-coverage amount for the transmission from a data structure that maintains a plurality of contractual relationships, each of which specifies a set of business rules for a given transmission.
Claim 25
Dependent Claim
26 words
The method of claim 21 , further comprising, based on the request, directly specifying the specified transmission-coverage type and the specified transmission-coverage amount for the transmission.
Claim 26
Dependent Claim
19 words
The method of claim 21 , wherein at least a portion of the transmission is over an internet network.
Claim 27
Dependent Claim
16 words
The method of claim 21 , wherein the set of data includes a streaming data set.
Claim 28
Dependent Claim
15 words
The method of claim 21 , wherein the set of data includes an electronic document.
Claim 29
Dependent Claim
27 words
The method of claim 21 , further comprising receiving delivery verification to the server, and logging the delivery verification of the transmission into the logging data structure.
Claim 30
Dependent Claim
46 words
The method of claim 21 , further comprising providing on-line, a website interface that receives input from the first remote client into a predefined set of data fields within one or more web pages to select the coverage type and the coverage amount for the transmission.
Claim 31
Dependent Claim
44 words
The method of claim 28 , further comprising receiving input from the first remote client that defines a set of business rules for the transmission and storing the input as a data structure that is correlated to the transmission in the logging data structure.
Claim 32
Dependent Claim
42 words
The method of claim 28 , further comprising receiving input from the first remote client that defines a contractual relationship for the transmission and storing the input as a data structure that is correlated to the transmission in the logging data structure.
Claim 33
Dependent Claim
47 words
The method of claim 21 , further comprising providing on-line, a website interface that receives input from the first remote client into a predefined set of data fields within one or more web pages to select one of a plurality of different coverage amounts for the transmission.
Claim 34
Dependent Claim
36 words
The method of claim 21 , wherein the specified transmission-coverage type includes a combination of two or more coverage types specified from a group consisting of insuring the transmission, bonding the transmission, and underwriting the transmission.
Claim 35
Dependent Claim
56 words
The method of claim 21 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and wherein the request includes data specifying a first transmission-coverage type for transmission of the first subset and a different second transmission-coverage type for transmission of the second subset.
Claim 36
Dependent Claim
56 words
The method of claim 21 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and wherein the request includes data specifying a first transmission-coverage amount for transmission of the first subset and a different second transmission-coverage amount for transmission of the second subset.
Claim 37
Dependent Claim
85 words
The method of claim 21 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and wherein the request includes data specifying a first transmission-coverage type for transmission of the first subset and a different second transmission-coverage type for transmission of the second subset, and wherein the request includes data specifying a first transmission-coverage amount for transmission of the first subset and a different second transmission-coverage amount for transmission of the second subset.
Claim 38
Dependent Claim
32 words
The method of claim 21 , further comprising electronically transmitting the request from the first remote computer client to a server; and electronically transmitting a transmission-completion status to the server for logging.
Claim 39
Dependent Claim
19 words
The method of claim 21 , further comprising encrypting the set of data before a portion of the transmission.
Claim 40
Dependent Claim
25 words
The method of claim 21 , further comprising obtaining the set of data; and redundantly transmitting the set of data to the second remote client.
Claim 41
Dependent Claim
20 words
The method of claim 21 , wherein the bonding coverage amount is payable only if the transmission was also mis-received.
Claim 42
Dependent Claim
24 words
The method of claim 21 , wherein the bonding coverage amount is payable only if the transmission was also intercepted by an unintended recipient.
Claim 43
Dependent Claim
25 words
The method of claim 21 , wherein the bonding coverage amount is payable only if the transmission was also tampered with by an unintended recipient.
Claim 44
Independent Claim
123 words
An apparatus comprising: means for electronically receiving a request from a first remote computer client to cover transmission of a set of data between the first remote client and a second remote client over a communications network, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission, means for charging with a network server, based on the request, a transmission-coverage fee to an identified account for the specified transmission-coverage type having the specified transmission-coverage amount, and means for logging with the network server a status of the communication into a logging data structures; wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 45
Independent Claim
123 words
An apparatus comprising: means for electronically receiving a request from a first remote computer client to cover transmission of a set of data between the first remote client and a second remote client over a communications network, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission, means for charging with a network server, based on the request, a transmission-coverage fee to an identified account for the specified transmission-coverage type having the specified transmission-coverage amount, and means for logging with the network server a status of the communication into a logging data structures; wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 46
Dependent Claim
48 words
The apparatus of claim 42 , further comprising means for indirectly selecting the specified transmission-coverage type and the specified transmission-coverage amount for the transmission from a data structure that maintains a plurality of contractual relationships, each of which specifies a set of business rules for a given transmission.
Claim 47
Dependent Claim
24 words
The apparatus of claim 42 , further comprising means for directly specifying the specified transmission-coverage type and the specified transmission-coverage amount for the transmission.
Claim 48
Dependent Claim
16 words
The apparatus of claim 42 , wherein the set of data includes a streaming data set.
Claim 49
Dependent Claim
15 words
The apparatus of claim 42 , wherein the set of data includes an electronic document.
Claim 50
Dependent Claim
31 words
The apparatus of claim 42 , further comprising means for to receiving a delivery verification, and means for automatically logging the delivery verification of the transmission into the logging data structure.
Claim 51
Dependent Claim
51 words
The apparatus of claim 42 , wherein the server is further operative to provide on-line, a website interface that receives input from the first remote client into a predefined set of data fields within one or more web pages to select the coverage type and the coverage amount for the transmission.
Claim 52
Dependent Claim
42 words
The apparatus of claim 48 , wherein the input received from the first remote client defines a set of business rules for the transmission and is stored as a data structure that is correlated to the transmission in the logging data structure.
Claim 53
Dependent Claim
40 words
The apparatus of claim 48 , wherein the input received from the first remote client defines a contractual relationship for the transmission and is stored as a data structure that is correlated to the transmission in the logging data structure.
Claim 54
Dependent Claim
52 words
The apparatus of claim 48 , wherein the server is further operative to provide on-line, a website interface that receives input from the first remote client into a predefined set of data fields within one or more web pages to select one of a plurality of different coverage amounts for the transmission.
Claim 55
Dependent Claim
23 words
The apparatus of claim 42 , further comprising means for transmitting at least a portion of the transmission is over an internet network.
Claim 56
Dependent Claim
21 words
The apparatus of claim 42 , further comprising means for encrypting the set of data before a portion of the transmission.
Claim 57
Dependent Claim
23 words
The apparatus of claim 42 , further comprising means for obtaining and redundantly transmitting the set of data to the second remote client.
Claim 58
Dependent Claim
20 words
The apparatus of claim 42 , wherein the bonding coverage amount is payable only if the transmission was also mis-received.
Claim 59
Dependent Claim
24 words
The apparatus of claim 42 , wherein the bonding coverage amount is payable only if the transmission was also intercepted by an unintended recipient.
Claim 60
Dependent Claim
25 words
The apparatus of claim 42 , wherein the bonding coverage amount is payable only if the transmission was also tampered with by an unintended recipient.
Claim 61
Dependent Claim
133 words
A computer-readable medium having instructions stored thereon that cause a suitably programmed information-processing system to perform a method comprising: electronically receiving a request from a first remote computer client to cover transmission of a set of data between the first remote client and a second remote client over a communications network, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission charging with a network server, based on the request, a transmission-coverage fee to an identified account for the specified transmission-coverage type having the specified transmission-coverage amount, and logging with the network server a status of the communication into a logging data structure wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 62
Dependent Claim
133 words
A computer-readable medium having instructions stored thereon that cause a suitably programmed information-processing system to perform a method comprising: electronically receiving a request from a first remote computer client to cover transmission of a set of data between the first remote client and a second remote client over a communications network, wherein the request includes data specifying a selected transmission-coverage type and a selected transmission-coverage amount for the transmission charging with a network server, based on the request, a transmission-coverage fee to an identified account for the specified transmission-coverage type having the specified transmission-coverage amount, and logging with the network server a status of the communication into a logging data structure wherein the selected transmission-coverage type is bonding that provides a bonding coverage amount that is payable in the event the transmission fails.
Claim 63
Dependent Claim
58 words
The medium of claim 58 , wherein instructions stored on the medium further cause performance of the method to include indirectly selecting the specified transmission-coverage type and the specified transmission-coverage amount for the transmission from a data structure that maintains a plurality of contractual relationships, each of which specifies a set of business rules for a given transmission.
Claim 64
Dependent Claim
34 words
The medium of claim 58 , wherein instructions stored on the medium further cause performance of the method to include directly specifying the specified transmission-coverage type and the specified transmission-coverage amount for the transmission.
Claim 65
Dependent Claim
40 words
The medium of claim 58 , wherein instructions stored on the medium further cause performance of the method to include receiving a delivery verification to the server, and logging the delivery verification of the transmission into the logging data structure.
Claim 66
Dependent Claim
58 words
The medium of claim 58 , wherein instructions stored on the medium further cause performance of the method to include providing on-line, a website interface that receives input from the first remote client into a predefined set of data fields within one or more web pages to select the coverage type and the coverage amount for the transmission.
Claim 67
Dependent Claim
22 words
The medium of claim 58 , wherein medium further includes data that comprises a set of business rules for insuring the transmission.
Claim 68
Dependent Claim
19 words
The medium of claim 58 , wherein medium further includes data that defines a contractual relationship for the transmission.
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USPTO Annuity & Maintenance Windows
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| 3.5 Years (Year 4) | 2008-07-25 | 2009-01-24 | 2009-07-26 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2012-07-25 | 2013-01-24 | 2013-07-26 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2016-07-25 | 2017-01-24 | 2017-07-26 | $7700.00 | Window Closed / Lapsed |