公开(公告)号：US07937278B1

公开(公告)日：2011-05-03

申请号：US11327559

申请日：2006-01-06

申请人： Frederick F. Cripe ,  Stephen Fiete

发明人： Frederick F. Cripe ,  Stephen Fiete

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/08

摘要： A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distance driven by a customer. In one embodiment of the present invention, the first miles or kilometers driven by a customer are assigned a greater level of risk than later-driven miles or kilometers. The present invention provides an actuarial method that more closely conforms the cost of insurance for a particular vehicle to its annual mileage by creating a Rate Per Mile Factor (RMF), where the RMF is expressed as a function of annual mileage.

摘要翻译： 一种计算和运用保险费用的制度和方法。 对于本发明的一个实施例的车辆保险，以非线性方式在每英里的基础上计算保险成本，基于客户驱动的距离来分配不同级别的风险。 在本发明的一个实施例中，由客户驱动的第一里程或公里被分配比后来驾驶的里程或公里更大的风险水平。 本发明提供了一种精算方法，其通过创建速率每英里因子（RMF）来更紧密地将特定车辆的保险成本达到其年度里程，其中RMF被表示为年里程的函数。

公开(公告)号：US08812330B1

公开(公告)日：2014-08-19

申请号：US13609595

申请日：2012-09-11

申请人： Frederick F. Cripe ,  Stephen Fiete

发明人： Frederick F. Cripe ,  Stephen Fiete

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/08

摘要： A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distance driven by a customer. In one embodiment of the present invention, the first miles or kilometers driven by a customer are assigned a greater level of risk than later-driven miles or kilometers. The present invention provides an actuarial method that more closely conforms the cost of insurance for a particular vehicle to its annual mileage by creating a Rate Per Mile Factor (RMF), where the RMF is expressed as a function of annual mileage.

摘要翻译： 一种计算和运用保险费用的制度和方法。 对于本发明的一个实施例的车辆保险，以非线性方式在每英里的基础上计算保险成本，基于客户驱动的距离来分配不同级别的风险。 在本发明的一个实施例中，由客户驱动的第一里程或公里被分配比后来驾驶的里程或公里更大的风险水平。 本发明提供了一种精算方法，其通过创建速率每英里因子（RMF）来更紧密地将特定车辆的保险成本达到其年度里程，其中RMF被表示为年里程的函数。

公开(公告)号：US08280752B1

公开(公告)日：2012-10-02

申请号：US13079330

申请日：2011-04-04

申请人： Frederick F. Cripe ,  Stephen Fiete

发明人： Frederick F. Cripe ,  Stephen Fiete

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/08

摘要： A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distance driven by a customer. In one embodiment of the present invention, the first miles or kilometers driven by a customer are assigned a greater level of risk than later-driven miles or kilometers. The present invention provides an actuarial method that more closely conforms the cost of insurance for a particular vehicle to its annual mileage by creating a Rate Per Mile Factor (RMF), where the RMF is expressed as a function of annual mileage.

摘要翻译： 一种计算和运用保险费用的制度和方法。 对于本发明的一个实施例的车辆保险，以非线性方式在每英里的基础上计算保险成本，基于客户驱动的距离来分配不同级别的风险。 在本发明的一个实施例中，由客户驱动的第一里程或公里被分配比后来驾驶的里程或公里更大的风险水平。 本发明提供了一种精算方法，其通过创建速率每英里因子（RMF）来更紧密地将特定车辆的保险成本达到其年度里程，其中RMF被表示为年里程的函数。