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There are a number of new applications from first time Peer-to-Patent participants now available for review. These new participants include large corporations, small businesses, and individual inventors, with patent applications covering both business methods and computer technology. Thank you for your continued participation and expertise!
We've received our first patent application drafted specifically for review on Peer-to-Patent. The patent application was filed by independent inventor Thomas Bakos and is in class 705. It discloses a Risk Assessment Company (RAC) that maintains an up to date database of its members based on their normal periodic health checkups. The RAC can then offer life or health insurance policies from a plurality of carriers to any given member at any given time based on the underwriting class as determined by the data in the database. The RAC can further provide a member with a life or health expectancy report containing suggestions on how the member can improve his or her life or health expectancy. The claimed invention seeks to resolve problems associated with insurance underwriting, such as the redundancy resulting from a person seeking insurance quotes from a plurality of providers, each having to perform their underwriting process. The redundancy issue manifests as an increased cost to insurers who must recover their underwriting expenditures on those applicants who do not purchase insurance from those that do, which is handed off to consumers in the form of higher premiums. Additional benefits of the claimed invention to its subscribers include: a constant storage location for accurate and complete medical records regardless of doctor, job, residence, or insurance changes; immediate emergency access to medical records when traveling away from home; and access to an online medical library.
Another new patent application is assigned to Citibank, its first submission to Peer-to-Patent. Citibank's patent application relates to the field of authentication (i.e. determining if an entity is whom it claims to be). Existing methods of authentication have disadvantages arising from the fact that the user must themselves be security conscious (in the case of knowledge-based authentication) or the need for highly specialized equipment (in the case of biometric-based authentication). The application discloses an invention that establishes an authorized user’s pattern of usage for a device, compares observed usage of a device to an expected pattern of usage of the device, and determines whether differences between the observed usage and the expected pattern of usage exceeds a threshold. If so, the claimed invention requires that the user submit a form of authorization for continued usage of the device. If the required authorization is not received, the device is then disabled.
Proctor & Gamble has also submitted its first patent application for public review. The invention relates to a method and system for modeling articles, such as consumer goods. In order to reduce product costs and optimize product quality, many producers of goods employ computer modeling of articles in order to determine how materials respond to a variety of different loading conditions. By conducting computer simulations rather than performing tests in a lab, producers can realize considerable savings in terms of time and money. Currently, most material models are created on a case-by-case basis. Because of the complexity associated with creating models, it is not uncommon for those persons whose job it is to create computer models to hold advanced degrees and thus model creation may be beyond the skills of the average technologist whose job it is to select materials or processing conditions for a new product. This patent application discloses a generalized constitutive modeling method and system whereby the average technologist would be capable of model creation.
Lynch Marks has submitted 2 applications for public review, both related to shipping. Persons shipping an item can choose from a number of different couriers and each courier provides a variety of shipping options (i.e. packaging options, recipient acknowledgement, etc.). Cost generally is an important factor in choosing a shipping vendor and shipping options. To choose a shipping vendor and shipping options requires that the user determine and compare costs while assessing the benefit provided by the various shipping options available from each shipping vendor. Presently, determining costs may require a user to separately contact each shipping vendor, provide article specifications to each vendor, determine what shipping options are available from each vendor, and gather quotes from each vendor concerning shipments and a variety of shipping specifications. The patent applications discloses systems and methods for providing real-time pricing of shipping vendors. Information concerning desired shipping specifications is sent to various shipping vendors and in response, real-time pricing information is received and displayed to the user. The user can then choose a vendor or multiple vendors and generate shipping labels. Another application from Lynch Marks relates to mailing processes, as employed by shipping vendors like FedEx, UPS, and DHL. The current system requires various types of information (such as billing information, mailing label information, and postage information) from multiple sources, which complicates record keeping and information analysis. Managing information from so many sources may be inefficient, time consuming, and error-prone. The patent application discloses an exemplary system and method for documenting mail work flows. |
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