US 7,890,358 B2Granted

Accessibility insurance coverage management

AssigneeInternational Business Machines Corporation

InventorsRabindranath Dutta, John C. Hartley, Richard Scott Schwerdtfeger

Life of this patent

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Abstract

Accessibility insurance coverage management is provided. An insurance server receives a coverage request from a requester that includes a user identifier corresponding to a user (i.e. policyholder). The insurance server matches the user identifier with a stored policyholder identifier and retrieves accessibility data corresponding to the matched policyholder identifier. If required, the insurance server updates the policyholder's accessibility data by receiving accessibility data from an accessibility database server. The insurance server identifies the policyholder's coverage using the user's accessibility data along with the user's policy information. The insurance server sends a message to the requester which indicates an amount of the particular item corresponding to the coverage request the insurance server covers. The insurance server receives accessibility service bills on a frequent basis, such as monthly. The insurance server verifies the billing information, pays the bill, and updates policyholder claims paid to date information.

Claims14

Dependent claims

An information handling system comprising:

one or more processors;
a memory accessible by the processors;
one or more nonvolatile storage devices accessible by the processors;
and
an accessibility insurance coverage tool to process accessibility insurance coverage requests, the accessibility insurance coverage tool including a set of instructions which are loaded into the memory and executed by at least one of the processors to perform actions of:
receiving a web page request over a computer network from a user, the web page request corresponding to a web page, the web page including visual data;
in response to receiving the web page request, transcoding the visual data from a visual presentation form to an audible presentation form,
wherein the transcoding further comprises:
determining that the visual data is copyright protected;
in response to determining that the visual data is copyright protected, sending a permission request to a copyright server;
in response to sending the permission request to the copyright server, receiving a response from the copyright server indicating that it is permissible to transcode the visual data;
in response to the transcoding, storing transcoding fee data in a transcode billing store, the transcoding fee data including a content identifier corresponding to the web page and a user identifier corresponding to the user;
receiving a coverage request over the computer network from a requestor, wherein the coverage request includes the user identifier, an insurance identifier, and the content identifier;
identifying insurance coverage data corresponding to the user, the identifying based upon the user identifier, the insurance identifier, and the content identifier;
transmitting the insurance coverage data to the requestor over the computer network in response to the coverage request;
determining an insurance payment amount, wherein the insurance payment amount is a first portion of the transcoding fee data;
and
determining a user payment amount, wherein the user payment amount is a second portion of the transcoding fee data.

15 more elements

A computer program product stored on a tangible computer storage medium, the tangible computer storage medium containing instructions for execution by a computer, which, when executed by the computer, cause the computer to implement a method for processing accessibility insurance coverage requests, said method comprising:

receiving a web page request over a computer network from a user, the web page request corresponding to a web page, the web page including visual data;
in response to receiving the web page request, transcoding the visual data from a visual presentation form to an audible presentation form, wherein the transcoding further comprises:
determining that the visual data is copyright protected;
in response to determining that the visual data is copyright protected, sending a permission request to a copyright server;
in response to sending the permission request to the copyright server, receiving a response from the copyright server indicating that it is permissible to transcode the visual data;
in response to the transcoding, storing transcoding fee data in a transcode billing store, the transcoding fee data including a content identifier corresponding to the web page and a user identifier corresponding to the user;
receiving a coverage request over the computer network from a requestor, wherein the coverage request includes the user identifier, an insurance identifier, and the content identifier;
identifying insurance coverage data corresponding to the user, the identifying based upon the user identifier, the insurance identifier, and the content identifier;
transmitting the insurance coverage data to the requestor over the computer network in response to the coverage request;
determining an insurance payment amount, wherein the insurance payment amount is a first portion of the transcoding fee data;
and
determining a user payment amount, wherein the user payment amount is a second portion of the transcoding fee data.

9 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/195,361Filed 20 Aug 2008 · continuation
Priority: 12 Dec 2002
Published: US 2008/0306778 A111 Dec 2008
Granted: 15 Feb 2011
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

G06Q 30/06
Commerce: buying, selling or leasing transactions
G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
G06Q 40/08
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: insurance
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial

Family

Application10/318,522Parent of this continuation · filed 12 Dec 2002
US 2008/0306778 A1Pre-grant publication · published 11 Dec 2008
US 7,480,622 B2Parent of this continuation
US 2004/0117216 A1Published application
US 7,890,358 B2This patent

From the US filing history. Foreign family members aren’t listed.