Skip to main content

Full text of "USPTO Patents Application 09876311"

See other formats


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




(19) World Intellectual Property Organization 

International Bureau 

(43) International Publication Date In t ernatioiial Publication Number 

13 December 2007 (13.12.2007) rL - 1 WO 2007/141697 A3 



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

(21) International Application Number: 

PCT7IB2007/051947 

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

(25) Filing Language: English 

(26) Publication Language: English 

(30) Priority Data: 

2006/04673 7 June 2006 (07.06.2006) 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.; P O Box 454, 0001 
Pretoria (ZA). 

(81) Designated States (unless otherwise indicated, for every 
kind of national protection available): AE, AG, AL, AM, 
AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, 
CN, CO, CR, CU, CZ, DE, DK, DM, DZ, EC, EE, EG, ES, 
FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, 
IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, 
LS, LT, LU, LY, MA, MD, MG, MK, MN, MW, MX, MY, 
MZ, NA, NG, NI, NO, NZ, OM, PG, PH, PL, PT, RO, RS, 
RU, SC, SD, SE, SG, SK, SL, SM, SV, SY, TJ, TM, TN, 
TR, TT, TZ, UA, UG, US, 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 A LIFE INSURANCE PLAN AND A SYSTEM THEREFOR 



receiving a premium from an insured life 



/ 12 

on occurrence of an insured event to the insured life, / 
paying out a predetermined amount to the insured life 



on occurrence of an insured event to a parent of the 
insured life, paying out a predetermined amount to the 
insured life 



FIG 1 

(57) Abstract: A method of managing a life insurance plan includes receiving a premium from an insured life. On occurrence of 
an insured event to the insured life, a predetermined amount is paid out to the insured life and on occurrence of an insured event to 
a parent of the insured life a predetermined amount is paid out to the insured life. 




INTERNATIONAL SEARCH REPORT 



International application No. 
PCT/rB07/51947 



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



USPC: 705/4 

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



B. FIELDS SEARCHED 

Minimum documentation searched (classification system followed by classification symbols) 
U.S. : 705/4 



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) 
Please See Continuation Sheet 



DOCUMENTS CONSIDERED TO BE RELEVANT 



Category * 


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


Relevant to claim No. 


X 


US Patent Application Pub. 2005/0256748 Al (GORE et al.) 1 7 November 2005 


1-8 




(17.1 1.2005), paragraphs 13, 79-80 




A, T 


U.S. Patent Application Pub. 2007/0050217 Al (HOLDEN, JR.) 01 March 2007 


1-8 




(01.03.2007), paragraph 10 





□ 



Further documents are listed in the continuation of Box C. 



□ 



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 



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 

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 

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 
03 June 2008 (03.06.2008) 


Date of mailing onhe^ntejnQio^al^e^g^report 


Name and mailing address of the ISA/US 
Mail Stop PCT, Attn; ISA/US 
Commissioner for Patents 
P.O. Box 1450 

Alexandria, Virginia 22313-1450 
Facsimile No. (571) 273-3201 


Authorized officer S 
Robert W. Morgan \J Vr^/* 
Telephone No. (571)272-3600 



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