Patent US7020692B2 successfully refreshed from Google Patents.
US7020692B2
Expired / Lapsed
US
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Systems and methods for insuring data transmissions
Assignee: Transurety LLC
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Filing: 2004-08-19
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Granted: 2006-03-28
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Expires: 2024-08-19
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: 82
Claim 1
Independent Claim
145 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 to insure transmission of a set of data between the first client and the second client, wherein the request includes data specifying a coverage amount for the insurance on the transmission, a charging mechanism that is operative, based on the request, to charge an insurance premium fee to an identified account, and a logging mechanism that is operative to log a status of the transmission into a logging data structure; wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 2
Independent Claim
145 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 to insure transmission of a set of data between the first client and the second client, wherein the request includes data specifying a coverage amount for the insurance on the transmission, a charging mechanism that is operative, based on the request, to charge an insurance premium fee to an identified account, and a logging mechanism that is operative to log a status of the transmission into a logging data structure; wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 3
Dependent Claim
43 words
The system of claim 1 , wherein the request includes data that indirectly selects the specified 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 transmissions.
Claim 4
Dependent Claim
21 words
The system of claim 1 , wherein the request includes data that directly specifies the specified 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
46 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 client into a predefined set of data fields within one or more web pages to select the coverage amount for the transmission.
Claim 10
Dependent Claim
37 words
The system of claim 8 , wherein the input received 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
35 words
The system of claim 8 , wherein the input received 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
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 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
33 words
The system of claim 1 , wherein coverage 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 12 , 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
85 words
The system of claim 12 , 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 16
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 17
Dependent Claim
21 words
The system of claim 1 , further comprising a plurality of remote clients including the first client and the second 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
19 words
The system of claim 1 , wherein the coverage amount is payable only if the transmission was also mis-received.
Claim 20
Dependent Claim
23 words
The system of claim 1 , wherein the coverage amount is payable only if the transmission was also intercepted by an unintended recipient.
Claim 21
Dependent Claim
24 words
The system of claim 1 , wherein the coverage amount is payable only if the transmission was also tampered with by an unintended recipient.
Claim 22
Independent Claim
90 words
A method comprising: electronically receiving a request to insure transmission of a set of data between a first remote client and a second remote client over a communications network, wherein the request includes data specifying a coverage amount for the transmission, charging with a network server, based on the request, an insurance premium fee to an identified account, and logging with the network server a status of the communication into a logging data structure; wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 23
Independent Claim
90 words
A method comprising: electronically receiving a request to insure transmission of a set of data between a first remote client and a second remote client over a communications network, wherein the request includes data specifying a coverage amount for the transmission, charging with a network server, based on the request, an insurance premium fee to an identified account, and logging with the network server a status of the communication into a logging data structure; wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 24
Dependent Claim
43 words
The method of claim 21 , further comprising, based on the request, indirectly selecting the specified 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 transmissions.
Claim 25
Dependent Claim
21 words
The method of claim 21 , further comprising, based on the request, directly specifying the specified 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
42 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 amount for the transmission.
Claim 31
Dependent Claim
39 words
The method of claim 28 , further comprising receiving input 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
37 words
The method of claim 28 , further comprising receiving input 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
33 words
The method of claim 21 , wherein coverage 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 32 , 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
85 words
The method of claim 32 , 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 37
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 38
Dependent Claim
40 words
The method of claim 21 , further comprising transmitting the data from the first remote client to a server; transmitting the data from the server to the second remote client; and 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
19 words
The method of claim 21 , wherein the coverage amount is payable only if the transmission was also mis-received.
Claim 41
Dependent Claim
23 words
The method of claim 21 , wherein the coverage amount is payable only if the transmission was also intercepted by an unintended recipient.
Claim 42
Dependent Claim
24 words
The method of claim 21 , wherein the coverage amount is payable only if the transmission was also tampered with by an unintended recipient.
Claim 43
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 44
Independent Claim
95 words
An apparatus comprising: means for electronically receiving a request to insure transmission of a set of data between a first remote client and a second remote client over a communications network, wherein the request includes data specifying a coverage amount for the transmission; means charging with a network server, based on the request, an insurance premium fee to an identified account, and means for logging with the network server a status of the communication into a logging data structure; wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 45
Independent Claim
95 words
An apparatus comprising: means for electronically receiving a request to insure transmission of a set of data between a first remote client and a second remote client over a communications network, wherein the request includes data specifying a coverage amount for the transmission; means charging with a network server, based on the request, an insurance premium fee to an identified account, and means for logging with the network server a status of the communication into a logging data structure; wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 46
Dependent Claim
45 words
The apparatus of claim 42 , further comprising means for, based on the request, indirectly selecting the specified 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 transmissions.
Claim 47
Dependent Claim
23 words
The apparatus of claim 42 , further comprising means for, based on the request, directly specifying the specified 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
30 words
The apparatus of claim 42 , further comprising means for to receiving a delivery verification, and for automatically logging the delivery verification of the transmission into the logging data structure.
Claim 51
Dependent Claim
39 words
The apparatus of claim 42 , further comprising means for providing on-line, a website interface that receives input into a predefined set of data fields within one or more web pages to select the coverage amount for the transmission.
Claim 52
Dependent Claim
37 words
The apparatus of claim 48 , wherein the input received 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
35 words
The apparatus of claim 48 , wherein the input received 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
45 words
The apparatus of claim 42 , further comprising means for providing provide on-line, a website interface that receives input 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
33 words
The apparatus of claim 42 , wherein coverage 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 56
Dependent Claim
55 words
The apparatus of claim 42 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and further comprising means for 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 57
Dependent Claim
55 words
The apparatus of claim 42 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and further comprising means for 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 58
Dependent Claim
80 words
The apparatus of claim 42 , wherein the transmission of the set of data includes a plurality of subsets including a first subset and a second subset, and further comprising means for 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 for 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 59
Dependent Claim
61 words
The apparatus of claim 42 , further comprising: means for transmitting at least a portion of the transmission is over an internet network means for transmitting the data from the first remote client to a server; means for transmitting the data from the server to the second remote client; and means for transmitting a transmission-completion status to the server for logging.
Claim 60
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 61
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 62
Dependent Claim
19 words
The apparatus of claim 42 , wherein the coverage amount is payable only if the transmission was also mis-received.
Claim 63
Dependent Claim
23 words
The apparatus of claim 42 , wherein the coverage amount is payable only if the transmission was also intercepted by an unintended recipient.
Claim 64
Dependent Claim
107 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 to insure 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 an coverage amount for the transmission, charging with a network server, based on the request, an insurance premium fee to an identified account, and logging with the network server a status of the communication into a logging data structure; wherein the requested insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 65
Dependent Claim
107 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 to insure 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 an coverage amount for the transmission, charging with a network server, based on the request, an insurance premium fee to an identified account, and logging with the network server a status of the communication into a logging data structure; wherein the requested insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 66
Dependent Claim
57 words
The medium of claim 61 , wherein instructions stored on the medium further cause performance of the method to include, based on the request, indirectly selecting the specified 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 67
Dependent Claim
33 words
The medium of claim 61 , wherein instructions stored on the medium further cause performance of the method to include based on the request, directly specifying the specified coverage amount for the transmission.
Claim 68
Dependent Claim
39 words
The medium of claim 61 , wherein instructions stored on the medium further cause performance of the method to include receiving delivery verification to the server, and logging the delivery verification of the transmission into the logging data structure.
Claim 69
Dependent Claim
20 words
The medium of claim 61 , wherein the medium further includes data that defines a contractual relationship for the transmission.
Claim 70
Dependent Claim
54 words
The medium of claim 61 , 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 amount for the transmission.
Claim 71
Dependent Claim
23 words
The medium of claim 61 , wherein the medium further includes data that comprises a set of business rules for insuring the transmission.
Claim 72
Independent Claim
139 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 network server communicatively coupled to the first remote client and to the second remote client over the communications network, wherein the server includes: means for electronically receiving a request to insure, for a coverage amount, transmission of a set of data between the first remote client and the second remote client over the communications network, for charging with the network server, based on the request, an insurance premium fee based on the specified coverage amount to an identified account, and for logging with the network server a status of the communication into a logging data structure, wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 73
Independent Claim
139 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 network server communicatively coupled to the first remote client and to the second remote client over the communications network, wherein the server includes: means for electronically receiving a request to insure, for a coverage amount, transmission of a set of data between the first remote client and the second remote client over the communications network, for charging with the network server, based on the request, an insurance premium fee based on the specified coverage amount to an identified account, and for logging with the network server a status of the communication into a logging data structure, wherein the insurance provides that the coverage amount is payable in the event the transmission fails.
Claim 74
Dependent Claim
45 words
The system of claim 68 , wherein the request includes data that indirectly selects the specified 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 75
Dependent Claim
21 words
The system of claim 68 , wherein the request includes data that directly specifies the specified coverage amount for the transmission.
Claim 76
Dependent Claim
52 words
The system of claim 68 , 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 77
Dependent Claim
16 words
The system of claim 68 , wherein the set of data includes a streaming data set.
Claim 78
Dependent Claim
15 words
The system of claim 68 , wherein the set of data includes an electronic document.
Claim 79
Dependent Claim
34 words
The system of claim 68 , 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 80
Dependent Claim
47 words
The system of claim 68 , 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 amount for the transmission.
Claim 81
Dependent Claim
37 words
The system of claim 75 , wherein the input received 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 82
Dependent Claim
36 words
The system of claim 75 , wherein the input received from 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.
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