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(12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) 



(19) World Intellectual Property Organization 

International Bureau 

(43) International Publication Date 
13 December 2007 (13.12.2007) 




PCT 



(10) International Publication Number 

WO 2007/141698 A3 



(51) International Patent Classification: 
G06Q 40/00 (2006.01) 

(21) International Application Number: 

PCT7IB2007/051948 

(22) International Filing Date: 23 May 2007 (23.05.2007) 

(25) Filing Language: English 

(26) Publication Language: English 



(30) Priority Data: 

2006/04687 



6 June 2006 (06.06.2006) ZA 



(71) Applicant (for all designated States except US): DISCOV- 
ERY HOLDINGS LIMITED [ZA/ZA]; 155 West Street, 
Sandton (ZA). 

(72) Inventors; and 

(75) Inventors/Applicants (for US only): GORE, Adrian 

[ZA/ZA]; 10 7th Street, 2142 Houghton Estate (ZA). 
MAYERS, Herschel, Phillip [ZA/ZA]; 32 Wordsworth 
Avenue, Senderwood, Johannesburg (ZA). RABSON, 
Kenneth, Steven [ZA/ZA]; 5 College Mews, Regina 
Avenue Fairmount Extension, 2192 Johannesburg (ZA). 



(74) Agents: SPOOR & FISHER et al. 

Pretoria (ZA). 



P O Box 454, 0001 



(81) Designated States (unless 
kind of national protection 
AT, AU, AZ, BA, BB, BG, 
CN, CO, CR, CU, CZ, DE, 
FI, GB, GD, GE, GH, GM 
IS, JP, KE, KG, KM, KN, 
LS, LT, LU, LY, MA, MD, 
MZ, NA, NG, NI, NO, NZ 
RU, SC, SD, SE, SG, SK, 
TR, TT, TZ, UA, UG, US, 



otherwise indicated, for every 
available): AE, AG, AL, AM, 
BH, BR, BW, BY, BZ, CA, CH, 
DK, DM, DZ, EC, EE, EG, ES, 
GT, HN, HR, I II I, ID, IL, IN, 
KP, KR, KZ, LA, LC, LK, LR, 
MG, MK, MN, MW, MX, MY, 
, OM, PG, PH, PL, PT, RO, RS, 
SL, SM, SV, SY, TJ, TM, TN, 
UZ, VC, VN, ZA, ZM, ZW. 



(84) Designated States (unless otherwise indicated, for every 
kind of regional protection available): ARIPO (BW, GH, 
GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, 
ZW), Eurasian (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), 
European (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, 
FR, GB, GR, HU, IE, IS, IT, LT, LU, LV, MC, MT, NL, PL, 
PT, RO, SE, SI, SK, TR), OAPI (BF, BJ, CF, CG, CI, CM, 
GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG). 

Published: 

— with international search report 

(88) Date of publication of the international search report: 

23 April 2009 



(54) Title: A METHOD OF MANAGING AN INSURANCE PLAN AND A SYSTEM THEREFOR 



calculating an amount of expenditure of a member using a 
credit or debit card issued to the member 



10. 



< 



using the calculated amount of expenditure to calculate a 
discount amount being a discount on a premium payable by 
the member, wherein the discount amount is a percentage 
of the amount of expenditure of the member using the 
credit or debit card issued to the member 



12 



g FIG 1 

(57) Abstract: A method of managing a life or health insurance plan includes calculating an amount of expenditure of a member 
using a credit or debit card issued to the member and then using the calculated amount of expenditure to calculate a premium payable 
by the member, wherein the premium is reduced by a percentage of the amount of expenditure of the member using the credit or 
debit card issued to the member. 



INTERNATIONAL SEARCH REPORT 


International application No. 
PCT/1B07/51948 


A. CLASSIFICATION OF SUBJECT MATTER 
IPC: G06Q 40/00(2006.01) 








USPC: 705/4 

According to International Patent Classification (IPC) or to both national classification and IPC 




B. FIELDS SEARCHED 


Minimum documentation searched (classification system followed by classification symbols) 
U.S. : Please See Continuation Sheet 


Documentation searched other than minimum documentation to the extent that such documents are included in the fields searched 


Electronic data base consulted during the international search (name of data base and, where . practicable, search terms used) 


C. DOCUMENTS CONSIDERED TO BE RELEVANT 


Category * 


Citation of document, with indication, where appropriate, of the relevant passages 


Relevant to claim No. 


Y 


US 2002/0143585 AI (Kodama et al.) 3 October 2002 (03.10.2002) 




1-4 


Y 


US 6,105,865 (Hardesty) 22 August 2000 (22.08.2000) 




1-4 


[ [ Further documents are listed in the continuation of Box C. 


1 ) See patent family annex. 




* Special categories of cited documents: 

"A" document defining the general state of the art which is not considered to be of 
particular relevance 

"E" earlier application or patent published on or after the international filing date 

"L" document which may throw doubts on priority claim(s) or which is cited to 
establish the publication date of another citation or other special reason (as 
specified) 

"O" document referring to an oral disclosure, use, exhibition or other means 

"P" document published prior to the international filing date but later than the 
priority date claimed 


"T" later document published after the international filing date or priority 
date and not in conflict with the application but cited to understand the 
principle or theory underlying the invention 

"X" document of particular relevance; the claimed invention cannot be 

considered novel or cannot be considered to involve an inventive step 
when the document is taken alone 

"Y" document of particular relevance; the claimed invention cannot be 
considered to involve an inventive step when the document is 
combined with one or more other such documents, such combination 
being obvious to a person skilled in the art 

document member of the same patent family 


Date of the actual completion of the international search 

12 May .2008 (12.05.2008) ^ 


Date of mailing of ^ tenj J ^f|Jj 


Jgeport 


Name and mailing address of the ISA/US / h 
Mail Stop PCT, Attn: ISA/US I/Q> 
Commissioner for Patents 

P.O. Box 1450 / 
Alexandria, Virginia 22313-1450 / 

Facsimile No. (571)273-3201 / / 


yUithorized officer - 
Joseph Thomas /f^UvMvC^^ 
Telephone No. 703-518-4462 



Form PCT/ISA/2 10 (second sheet) (April 2007) 



INTERNATIONAL SEARCH REPORT 



International application No. 
PCT/IB07/51948 



Continuation of B. FIELDS SEARCHED Item 1: 

705/4 

235/380 

705/35