“Risk Sharing Support System” in Patent Application Approval Process (USPTO 20180018736)
By a
This patent application has not been assigned to a company or institution.
The following quote was obtained by the news editors from the background information supplied by the inventors: "In a case wherein a traffic accident, fatal accident, and the like occur, damage or harm is incurred, so that in order to ensure or cover the damage or harm, insurances are often used. As for the insurances, various types of insurance products according to the risks are provided by respective insurance companies under the Insurance Business Act (Non-Patent Document 1, Non-Patent Document 2)."
In addition to the background information obtained for this patent application, VerticalNews journalists also obtained the inventor's summary information for this patent application: "Problems to be Solved by the Invention
"In conventional insurance products, in a case wherein an event where an insurance has to be paid occurs, in a case of a corporation, a capital fund; in a case of security products, a principal; and in a case of
"Since the insurance companies providing the conventional insurance products carry out businesses in accordance with regulations under the Insurance Business Act, there are especially required transparency, safety, and stability. Consequently, regarding an enormous risk such as tsunami, earthquake, or the like; a risk influenced by behavior or will of a person such as childbirth, terrorism, or the like; a risk influenced by a social condition such as care, advanced medical care, unemployment, or the like; a risk in a field wherein scientific knowledges are insufficient such as a damage caused by radiation, and the like; a long-term risk which can be easily affected by interest rates; a risk of longevity which is greatly affected by a progress of science or medical care; and the like, there is a case wherein an acceptance by the insurance company is difficult, expensive, restricted, or in the first place, the acceptance is rejected.
"However, even if the risk causes a high cost or is impossible to be accepted by the conventional insurance products as mentioned above, economic benefits such as risk mitigation can be brought to the participants if risk transfer is carried out by sharing the risk thereof among the participants. However, conventionally, there is no mechanism for providing that.
"Means for Solving the Problems
"Therefore, in view of the aforementioned problems, the present inventor has invented a risk sharing support system which supports risk sharing that can pay an amount so as to bring a risk mitigation effect by the law of large numbers in a case wherein a predetermined event occurs by sharing (risk mitigation) occurrences of various types of risks such as childbirth, earthquake, radiation exposure, Tsunami, terrorism, end-of-life care, and the like among participants facing a similar risk collected through the Internet and the like.
"The first invention is the risk sharing support system carrying out processing regarding a risk sharing commodity using the law of large numbers to the participants collected through a network. The risk sharing support system comprises a commodity information storage portion storing information regarding the risk sharing commodity; a commodity information providing processing portion sending the information regarding the risk sharing commodity stored in the commodity information storage portion to a participant terminal used by the participant; a participation application receiving processing portion receiving application information regarding the risk sharing commodity from the participant terminal; a participant information storage portion storing information regarding the participant wherein the application was received; a payment receiving processing portion receiving a payment request from the participant terminal of the participant who satisfied a payment condition prescribed in advance regarding the risk sharing commodity wherein the participant participates; and a payment amount calculation processing portion calculating an amount to be paid relative to the participant who received the payment request of the risk sharing commodity. In the risk sharing support system, the payment amount calculation processing portion calculates the payment amount per one item using information of a total amount of a participation price per one item prescribed in advance, and information of the number of items which become a payment object.
"An insurance company does not accept the risk in a conventional manner, and a generated risk is shared among the participants so as to mitigate the risk by the law of large numbers. Then, the present invention is formed so as to support a series of processing from the participation to the payment regarding the risk sharing commodity which shares the risk.
"In the aforementioned invention, the risk sharing support system can be formed such that the commodity information storage portion stores information of an advertisement revenue by a web page regarding the risk sharing commodity and the like and/or a donation revenue relative to the risk sharing commodity, and information of an amount of a carry forward; and the payment amount calculation processing portion extracts the information of the advertisement revenue and/or the donation revenue, and the information of the amount of the carry forward stored in the commodity information storage portion, adds those to the total amount of the participation price, and using an amount thereof and the number of items which become the payment object, calculates the payment amount per one item.
"In the aforementioned invention, the risk sharing support system can be formed such that the payment amount calculation processing portion calculates the payment amount per one item by carrying out an arithmetic operation of the aforementioned added amount the number of items of the payment object-handling fee.
"The aforementioned respective inventions are formed so as to easily carry out calculation processing of a payment amount thereof in a case wherein the advertisement revenue or the donation revenue, and the carry forward are added up to be used for a payment source, in addition to the total amount of the participation price of the participant.
"In the aforementioned invention, the risk sharing support system can be formed such that the commodity information storage portion further stores information of a donation article relative to the risk sharing commodity, and the payment amount calculation processing portion extracts the information of the donation article stored in the commodity information storage portion, and specifies the donation article per one item and/or the number of the donation article.
"The present invention is formed so that in a case wherein the donation article is allocated relative to the risk sharing commodity, the donation article or the number thereof can be easily specified.
"The first invention can be provided by allowing a computer to read a program of the present invention, and performing the program of the present invention. Namely, the present invention is a risk sharing support program allowing the computer to function as the commodity information providing processing portion extracting the information regarding the risk sharing commodity stored in the commodity information storage portion using the law of large numbers to the participants collected through the network, and sending the information regarding the risk sharing commodity to the participant terminal used by the participant; the participation application receiving processing portion receiving the application information regarding the risk sharing commodity from the participant terminal, and storing that in the participant information storage portion storing the information regarding the participant; the payment receiving processing portion receiving the payment request from the participant terminal of the participant who satisfied the payment condition prescribed in advance regarding the risk sharing commodity wherein the participant participates; and the payment amount calculation processing portion calculating the amount to be paid relative to the participant who received the payment request regarding the risk sharing commodity. In the risk sharing support program, the payment amount calculation processing portion calculates the payment amount per one item using the information of the total amount of the participation price per one item prescribed in advance, and the information of the number of items which become the payment object."
URL and more information on this patent application, see: NOGAMI, Kenichi. Risk Sharing Support System. Filed
Keywords for this news article include: Advertising, Patent Application, Information Technology, Information and
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