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`PCT/US01/49935
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`A SYSTEM AND METHOD FOR IMPROVING THE
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`OPERATION OF A BUSINESS ENTITY AND MONITORING AND
`REPORTING THE RESULTS THEREOF
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`TECHNICAL FIELD
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`This invention relates to the field of insurance contracting and, more
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`particularly to the field of providing a business model that effectively allows
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`the provision of reduced insurance premiums and reduced risk of loss.
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`BACKGROUND OF THE INVENTION
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`10
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`15
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`The insurance industry is religiously governed by the law of averages.
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`To be profitable, insurance companies must sell policies at premiums that will
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`exceed the cost necessary to cover expected claims and operating expenses.
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`Identifying the operating expenses for the insurance company is basic business
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`management. However, identifying the expected claims that Will arise from an
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`insurance company’s client base is a complex task. The typical insurance
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`company has a team of actuarial scientist that pour through statistics, cost
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`curves, trends, risk assessments, and a pocket protector full of other Variables in
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`an effort to accurately identify the risk of loss associated with particular client
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`profiles or genres. Too many ill conceived projections can drag an insurance
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`20
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`company into bankruptcy.
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`Thus, the insurance company is met with at least two competing interests
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`or goals. On one hand, it needs to guaranty the reception of premiums adequate
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`to keep the company profitable. On the other hand, the insurance company
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`needs to offer price competitive programs that will attract a large number of
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`clients.
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`If the premiums for the insurance programs are set too low,
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`the
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`insurance company runs the risk of becoming cash poor.
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`If the premiums for
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`the insurance programs are set too high, the insurance company may not be
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`able to attract enough clients to make the program worth while. The optimum
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`scenario is to provide competitively priced programs to low risk clients.
`Therefore, there is a need in the art for a technique to help reduce the premiums
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`of an insurance program while at the same time, reducing the risk attributed to
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`10
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`insuring a particular entity.
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`The health care provider industry heavily relies on the insurance
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`industry. Of particular interest is the long-term health care industry, such as
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`nursing homes, elderly homes or the like. During the 1998 to 2000 time-flame,
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`these long-term health care providers experienced insurance premium increases
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`15
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`as high as 350% per year. One reason that these escalating premiums can be
`attributed to is the high-risk nature of the business. The number one claim
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`levied against long-term health care providers are fall claims.
`In addition,
`wound care claims, such as bed sores, result in multimillion dollar judgments
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`against the health care provider. These judgments are ultimately paid by the
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`20
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`insurance companies.
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`The insurance risk of long—term health care providers dramatically
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`increased with the implementation of the new Medicare system. When initially
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`implemented,
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`the rates offered by the Medicare system were drastically
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`insufficient to meet the cost of the services provided. As a result, it was
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`necessary for many long-term health care providers to reduce their nursing staff
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`and to cut corners in obtaining proper medical equipment and supplies.‘
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`Although corrective reimbursement changes have been made, this industry is
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`still plagued with a high turnover rate of clinical and support personnel. The
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`high turnover rate directly has an effect on the number of incidents that occur in
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`such a long-term health care provider establishment.
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`High-risk entities, such as long-term health care providers are stuck in a
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`“catch 22” situation. The providers cannot afford to provide the level of
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`service necessary to reduce their insurability risks. Because of the high risk,
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`the insurance premiums for such entities continue to escalate which results in
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`increasing the insurability risk of the entity. Thus, there is a need in the art for
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`a technique to help reduce the insurability risk of a long—ter1n health care
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`provider and to reduce the insurance premiums charged to the same.
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`Similar to the long-term health care industry, many other industries are
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`also plagued by escalating insurance premiums do to their high-risk status.
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`Thus there is a need in the art for a general technique that can help reduce the
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`insurability risk of an entity and to provide affordable and profitable insurance
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`programs to the entities.
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`SUMMARY OF THE INVENTION
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`The present invention satisfies the above needs by providing a method
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`and a system that operate to (a) reduce the insurability risk of an insured entity,
`(b) reduce the insurance premiums for insurance programs, (c) increase the
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`profitability of the insuring entities by decreasing the probability of incident
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`claims being levied against the insured entity, and (d) reduce the ‘overall risk
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`factors in the health care industry, or other industry, being serviced by another
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`entity to improve operations.
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`The present invention formulates a program for the insured entity that
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`contains various program requirements. Procedures designed for the insured
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`entity to meet the program requirements are implemented and monitored to
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`identify the proximity of the insured entity meeting the program requirements.
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`Once the present invention calculates the proximity of the insured entity
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`meeting these program requirements,
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`the proximity is calculated to
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`an
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`interested third party, such as the insurer. Thus, the present invention by
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`monitoring the insured entity, and communicating information relating to the
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`insured entity to the insuring entity, allows the insuring entity to reduce the
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`10
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`insurance costs to the insured entity if such monitoring results in favorable
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`information for the insurer.
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`BRIEF DESCRIPTION OF THE DRAWINGS
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`Fig.
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`1
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`is a functional block diagram illustrating an exemplary
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`embodiment of the business model of the present invention.
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`Fig. 2 is a functional block diagram illustrating an exemplary
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`embodiment of the business model of the present invention.
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`Fig. 3 is a flow diagram illustrating the steps and procedures that are
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`involved in the exemplary implementation of the present invention illustrated
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`in Fig. 1
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`Fig. 4 is a fiinctional block diagram illustrating one specific application
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`of the present invention.
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`DETAILED DESCRIPTION
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`Referring now to the figures in which like numerals refer to like elements
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`throughout the several views, various embodiments and aspects of the present
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`invention are described. The present invention provides a system and method
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`and business model for providing reduced—cost and cost-effective insurance
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`programs, and has been described in relation to particular embodiments which
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`are intended in all respects to be illustrative rather than restrictive. Those
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`skilled in the art will understand that the principles of the present invention
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`may be applied to, and embodied in, Various program modules for execution on
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`differing types of computers and/or equipment, operating in differing types of
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`networks, regardless of the application. Although the business model of the
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`present invention has been described as being integrated within an insuring
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`entity, it should be understood that the business model of the present invention
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`can actually exist independent of an insuring entity.
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`In addition, the present
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`invention has been described as being interactive with a user; however, those
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`skilled in the art will appreciate that the user interface may also be substituted
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`with a computer or machine interface.
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`Fig.
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`l is a functional block diagram illustrating an exemplary structure
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`of the business model of the present invention. The business model includes
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`three entity classes: strategic partners 100, program catalysts 140 , and program
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`clients 130.
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`The strategic partners include one or more entities that
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`cooperatively, or independently, provide contractual programs 115 to program
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`clients 140. Examples of such programs include, but are not limited to, life,
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`health, product
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`liability or other insurance programs, warranty programs,
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`malpractice liability and maintenance programs. As illustrated in Fig. 1, the
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`strategic partners 100 include multiple strategic partners 110, a priority
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`strategic partner 105 and distribution 120.
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`The program clients 130 may include a variety of entities and the present
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`invention is not limited to any particular entity or class of entities. However,
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`examples of program clients 130 are provided within the specification and each
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`such provision is to be intended for illustrative purposes only and is not
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`intended to be restrictive or to limit the scope of the present invention. A few
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`examples of program clients 130 include a health care provider, an individual
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`person, a building owner, a Vehicle owner, individual entity/corporation or the
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`like.
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`The program catalyst 140 operates to assist the program clients 130 in
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`meeting the obligations and requirements of the program. The obligations and
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`requirements of the program may be set by the program catalyst 140 based on
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`its experience and expertise, the strategic partners 100, and even in some cases,
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`the program clients.
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`The business model of the present invention allow the strategic partners
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`100, operating independently or in conjunction with a program catalyst 140, to
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`create programs to be offered to the program clients 130. One a program 115 is
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`in place, the program catalyst 140 works with the program client 130 to ensure
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`that certain obligations, requirements, performance standards, or the like are
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`being met. The program catalyst 140 then utilizes a web-enabled, proprietary
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`software reporting system to provide instantaneous feedback to the strategic
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`partners 100 and/or the program clients 130 regarding the performance of the
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`program 115. However, it should be understood that the Program catalyst is
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`not required to utilize the reporting system but rather, this activity simply
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`comprises one inventive aspect.
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`Fig. 2 is
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`a
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`functional block diagram illustrating an exemplary
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`embodiment
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`of the business model of the present
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`invention.
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`In this
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`embodiment, the operation of the business model of the present invention is
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`illustrated in the provision of an insurance program offered to a long-term
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`health care provider is illustrated. The strategic partners in this embodiment
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`include entities that provide or are affiliated with the insurance industry
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`“insuring entities” 200.
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`The program clients in this embodiment include
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`insured entities 230.
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`The insuring entities 200 include insurance providers 210, authorizing or
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`initiating brokers (MGAI) 205 and managing general agents (“MGAS”) 220.
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`The insured entities 230 may include a variety of entities and the present
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`invention is not limited to any particular entity or class of entities; however, for
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`this example, the insured entity 230 is a long-term health care provider, such as
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`a nursing home. The program catalyst 240 operates to assist the insured entity
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`230 in meeting the obligations and requirements of the insurance program
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`offered by the insuring entities 200.
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`Insuring entities 200 typically provide multiple insurance programs from
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`which a potential insured entity 230 can select. Under the business model of
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`the present invention, at least one of these insurance programs is offered at a
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`reduced premium,‘ and in exchange for the reduced premium, the services of the
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`program catalyst 240 are employed. The program catalyst 240 works closely
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`15
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`with the insured entity 230 and provides a program management and risk
`management function. The program catalyst 230 also works closely with the
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`20
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`insuring entities 200 to provide program feedback intended to assist
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`the
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`insuring entities 200 in the administration of the insurance program. Thus, the
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`program catalyst may include the provision of clinically driven programs 242
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`in one embodiment and Web-enabled reporting 241 in another embodiment, or
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`yet in even another embodiment, both.
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`Fig. 3 is a flow diagram illustrating the steps and procedures that are
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`involved in the exemplary implementation of the present invention illustrated
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`in Fig. 1. Initially an insurance program is formulated 310. The result of this
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`process is a insurance contract or program 215 that can be subscribed to our
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`purchased by a potential program customer — the insured entity 230. Several
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`techniques including various participants may be employed in this process and
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`the present
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`invention is not limited to any particular technique.
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`In one
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`embodiment, several insurance providers are pooled together to underwrite the
`insurance program. This technique advantageously allows the risk associated
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`10
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`with the insurance to be diluted by spreading any losses to all of the pooled
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`insurers. Those skilled in the art and knowledgeable about the insurance
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`industry will realize that this is simply one technique that can be used to create
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`the insurance program.
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`In other embodiments, a single insurer may offer the
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`program.
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`Once the insurance program is formulated 310, the insuring entities 200
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`and one or more potential
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`insured entities
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`2340, enter
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`into insurance
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`relationships 320. This procedure may be conducted in a Variety of manners
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`and the present invention is not limited to any particular manner. Rather, the
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`present invention is only dependent upon ultimately establishing an insurance
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`relationship between the insured entity 230 and an insuring entity 200.
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`In the
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`embodiment illustrated in Fig. 2,
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`the insurance program can be sold to a
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`potential insured entity 230 either directly 250 or through a managing general
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`agent (“MGA”) 220 255 256.
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`In the first instance, the insured entity 230 pays
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`insurance premiums to the insuring entity 205 259. In the second instance, the
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`25
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`insured entity 230 pays insurance premiums to the MGA 220 258 and the MGA
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`220 provides payment to the authorizing or initiating brokers 205 258.
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`An additional step that must be performed is the creation of a
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`relationship between the insuring entity 200 and the program catalyst 240 330.
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`The program catalyst can take on a variety of forms and the present invention is
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`not limited to one particular form nor to the examples provided herein.
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`In one
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`embodiment, the program catalyst 240 is a service company that provides
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`services to the insured entity 200 on behalf of the insuring entity 230. As an
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`example, if the insured entity 230 is a long-tenn health care provider, the
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`program catalyst may provide risk management/assessment services to help
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`reduce the number of incidents within the facilities of the insured entity 230.
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`In the preferred embodiment, directed toward the health care industry, an
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`exemplary program catalyst 240 can utilize the latest
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`technologies and
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`techniques to reduce the risk of accidents occurring in the health care arena.
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`These
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`efforts
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`can be directed towards
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`fall prevention, wound care,
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`documentation guidelines, nutritional issues, security issues, pharmacy/drug
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`programs, sexual harassment programs, or the like. Advantageously,
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`the
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`program catalyst 240 of the preferred embodiment of the present invention
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`utilizes
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`licensed clinicians
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`and nurse managers
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`to provide
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`the
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`risk
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`management/assessment services.
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`The relationship between the insuring entity 200 and the program
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`catalyst 240 may take the form of a services contract under which the program
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`catalyst 240 is paid for services rendered. Alternatively, the business model of
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`the present invention also anticipates that the program catalyst 240 may enter
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`into an agreement with the insured entity 230 for the provision of the services.
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`In yet another alternate embodiment, the program catalyst 240 and the insuring
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`entity 200 may be the same entity.
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`In yet another embodiment, the program
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`catalyst 240 may be an integral part of the insured entity 230.
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`In yet another
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`embodiment, the program catalyst 240 may enter into an agreement with the
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`priority strategic partner - the MGA1 205.
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`Regardless of which of the above-described embodiments are utilized, at
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`T step 340 the program catalyst 240 provides services to the insured entity 230
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`and then provides a reporting service to the insuring entity 200 and/or the
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`insured entity 230.
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`In the preferred embodiment, a web—based and/or a Web-
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`enabled software solution is utilized by the program catalyst 240 in providing
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`these services. Periodically (i.e., once per week, month, etc.), a member of the
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`program catalyst 240 team (i.e., a nurse manager) will utilize the software
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`solution to address the key factors of the risk management program. Based on
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`the input from the program catalyst 240 team member, scoring data for relevant
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`issues are generated. This scoring data identifies a relevant issue in the
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`applicable industry and attaches a performance score to indicate the insured
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`entity’s conformance or adherence to operational requirements associated with
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`this issue.
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`In one embodiment, a value of 1 is assigned for poor performance
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`and a 5 is assigned for excellent or above standard performance. These scores
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`are a compilation of many factors, scored/measured on any particular subject
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`matter Within the program. Advantageously, the web—based software solution
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`enables the program catalyst 240 to generate and deliver to pertinent parties in
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`20
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`a timely and expedient manner.
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`Finally the insuring entity 200 can utilize the provided reports to modify,
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`enhance or cancel
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`insurance programs 350.
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`Based on the reported
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`performances of the insured entities 230, weak points and strong points can be
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`identified. For the weak points, countermeasures can be employed, either
`directly or through the program catalyst to further reduce the amount of risk.
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`The program catalyst 140 also provides access to the web-enabled software
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`solution so that it serves as key and primary communication tool between the
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`program catalyst 240 and the insuring entities 200.
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`In addition, the program
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`catalyst 240 can also provide training services to the insured entity 230. The
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`training services instruct the insured entity regarding procedures and operations
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`to help them attain a high scores.
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`Although the business model of the present invention has been described
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`as being integrated Within an insuring entity, it should be understood that the
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`business model of the present invention can actually exist independent of an
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`insuring entity. As an independent business model, the present invention
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`provides an entity that provides special and skilled services to particular entity.
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`The provision of these special and skilled services from an independent party
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`» are focused on the attainment of certain goals and objectives for the particular
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`entity that are either established by the particular entity or some other third
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`party. The entity providing the special and skilled services also employs the
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`’ use of a web-enabled software solution that provides feedback pertaining to
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`progress made toward reaching the goals and objectives. This feedback is
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`provided through the Web-enables software as a score system. The score
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`system identifies the particular issues pertaining to the attainment of the goals
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`and then provides a score to indicate the progress made in attaining the goal.
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`20
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`Fig. 4 is a fimctional block diagram illustrating one specific application
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`of the present invention.
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`In this embodiment, the risk management provider
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`440 teams up with one or more insurance carriers 400 to create a new insurance
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`product 470. This new insurance product 470 provides multiple benefits such
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`as reduced premiums, reduced risk of claims through providing adherence
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`assurances, and increased standard in providing services by the insured. The
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`new insurance product 470 is then distributed through authorized brokers
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`distribution 420, or some other distribution channel, to entities in the health
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`care industry 430, such as nursing homes, hospitals, fiiture insured/customers.
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`In providing the feedback, the risk management provider 440 will provide a
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`program directed towards meeting a particular standard. The standard will be
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`the score for compliance measurement that Will be a mandate with the new
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`insurance product 470. These scores are communicated to the insurance
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`carriers 100 at intervals of their request (i.e., monthly). The scores are also sent
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`to the insured client/ health care facility.
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`Under this application, the program catalyst 140 provides skilled clinical
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`delivery of holistic risk management programs, coupled with the use of a
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`proprietary, web-enabled software solution to provide scores/measurements of
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`the perforinance under the programs. Advantageously, this application of the
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`present invention assists in providing a higher level of care to patients.
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`In
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`addition,
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`this application of the present
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`invention provides cost and
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`performance benefits to health care facilities and insurance companies/carriers.
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`Thus, the business model of the present invention can be utilized to provide
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`holistic clinically-driven risk management programs that facilitates bring two
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`major industries together creating great opportunities, and equally important, to
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`raise the standard of care within the health care industry.
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`Under this application of the present invention, it is readily observed that
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`the program catalyst or the risk management provider 340 can easily modify its
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`program to best suit the needs of the partners that rely on the business model.
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`For instance, the risk management/assessment program may be customized to
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`meet the specific requirements of various insurance policies, or to adjust the
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`program to best suit the enviromnent within which the health care provider is
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`located. For example, the program may be adjusted to accommodate large
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`amounts of inclement weather, multiple floors with steps, or particular
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`characteristics of the patients and staff.
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`Alternate embodiments will become apparent to those skilled in the art
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`to which the present invention pertains without departing from its spirit and
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`scope. Accordingly, the scope of the present invention is described by the
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`appended claims and supported by the foregoing description.
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`CLAIMS
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`What is claimed is:
`
`1.
`
`A method for providing improved performance of a target entity, the
`
`method comprising the steps of:
`
`formulating a program containing program requirements;
`
`implementing procedures designed for the target entity to meet the
`
`program requirements;
`
`monitoring the results of the procedures to identify the proximity
`
`of the target entity meeting the program requirements;
`
`identifying the proximity of the target entity meeting the program
`
`requirements;
`
`communicating the proximity to an interested third party.
`
`2.
`
`The method of Claim 1, wherein the formulating a program containing
`
`program requirements step comprises a target entity purchasing the insurance
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`program.
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`3.
`
`The method of Claim 1, wherein formulating a program containing
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`20
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`program requirements comprises a single insurer offering the program.
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`4.
`
`The method of Claim 1, wherein the formulating a program containing
`
`program requirements step comprises several insurance providers underwriting
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`the insurance program.
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`5.
`
`The method of Claim 1, wherein monitoring the results of the procedures
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`to identify the proximity of the target entity meeting the program requirements
`
`further comprises providing feedback to the target entity regarding satisfaction
`
`of the program requirements.
`
`6.
`
`The method of Claim 1,
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`wherein communicate the proximity to an
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`interested third party further comprises the steps of:
`
`attributing a score to the monitored results; and
`
`providing the score to the interested third party.
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`10
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`15
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`7.
`
`The method of Claim 6, wherein attributing a score to the monitored
`
`results fiirther comprises attributing a numerical score indicating the
`
`conformance of the target entity to the program requirements.
`
`8.
`
`The method of Claim 7, wherein communicate the proximity to an
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`interested third party further comprises the step of providing the score to the
`
`target entity.
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`9.
`
`A method for providing reduced insurance premiums for an insured
`
`entity from an insuring entity, the method comprising the steps of:
`
`formulating an insurance program containing predetermined
`
`program requirements;
`
`implementing procedures designed for the insured entity to meet
`
`the program requirements;
`
`monitoring the results of the procedures to identify the proximity
`
`of the insured entity meeting the program requirements;
`
`identify the proximity of the insured entity meeting the program
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`10
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`requirements;
`
`attributing a score to the monitored results; and
`
`providing the score to the insuring entity.
`
`10. V The method of Claim 9, wherein the formulating an insurance program
`
`step comprises an insured entity purchasing the insurance program.
`
`11.
`
`The method of Claim 9, wherein the formulating an insurance program
`
`step comprises a single insurer offering the program.
`
`12.
`
`The method of Claim 9, wherein the formulating an insurance program
`
`step comprises several insurance providers underwriting the insurance program.
`
`13.
`
`The method of Claim 9, further comprising the step of providing the
`
`monitored results to the insured entity.
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`15
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`20
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`25
`
`16
`
`Page 001204
`
`

`
`WO 02/41119
`
`PCT/US01/49935
`
`14.
`
`The method of Claim 9, wherein providing the monitored results to an
`
`insuring entity further comprises providing the monitored results by utilizing a
`
`web enabled software solution.
`
`15 .
`
`The method of Claim 14 wherein providing the monitored results by
`
`utilizing a web enabled software solution filrther comprises providing services
`
`to the insured entity and providing reports to the insured entity and the insuring
`
`entity.
`
`10
`
`16.
`
`The method of Claim 9, wherein attributing a score to the monitored
`
`results comprises attributing a numerical score indicated the conformance of
`
`the insured entity to the program requirements.
`
`17
`
`Page 001205
`
`

`
`WO 02/41119
`
`PCT/US01/49935
`
`17.
`
`A method for creating an insurance product for an insured entity
`
`while minimizing insurance risks and reducing premium costs, said method
`
`comprising the steps of:
`
`creating a new insurance product;
`
`distributing the new insurance product to the insured entity though
`
`a distribution channel;
`
`providing a program designed for the insured entity to meet
`
`program requirements;
`
`determining the proximity of the insured entity to the program
`
`10
`
`requirements; and
`
`communicating the proximity to a third party.
`
`18.
`
`The method of Claim 17, wherein creating a new insurance product
`
`comprises creating an insurance product comprising reduced premiums,
`
`reduced risk of claims by adherence assurances, and an increased standard in
`
`provided services.
`
`19.
`
`The method of Claim 17, wherein distributing the new insurance product
`
`to the insured entity though a distribution channel comprises distributing the
`
`new insurance product through authorized brokers.
`
`15
`
`20
`
`18
`
`Page 001206
`
`

`
`WO 02/41119
`
`PCT/US01/49935
`
`20. A system for providing reduced insurance premiums for an insured entity
`
`from an insuring entity, the system comprising:
`
`a system server connected to a telecommunications network;
`
`an independent program catalyst, residing on said system server, and
`
`operative to:
`
`4
`
`formulate an insurance program containing predetermined
`
`program requirements for the insured entity to be insured by the insuring entity;
`
`implement procedures designed to enable the insured entity to
`
`meet the program requirements;
`
`monitoring the results of the procedures to identify the proximity ’
`
`of the insured entity meeting the program requirements; and
`
`attribute a score to the monitored results;
`
`a web-enable software solution for communicating between the insuring
`
`entity, the insured entity, and the program catalyst.
`
`21.
`
`The system of Claim 20, wherein said score comprises an indication of
`
`the insured entity's conformance with said program requirements.
`
`10
`
`15
`
`22.
`
`The system of Claim 20, wherein the program catalyst is further
`
`20
`
`operative to provide feedback to the insuring entity regarding said monitored
`
`results and said score.
`
`23.
`
`The system of Claim 20, wherein the program catalyst provides feedback
`
`to the insuring entity by utilizing the web-enable software.
`
`19
`
`Page 001207
`
`

`
`WO 02/41119
`
`PCT/US01/49935
`
`24. A system for providing improved performances for a target entity, the
`
`system comprising the components of:
`
`an independent program catalyst that is operative to:
`
`identify program requirements:
`
`implement procedures directed towards assisting the target
`
`entity in meeting the program requirements;
`
`monitoring the results of the target entity to identify the
`
`proximity to meeting the program requirements;
`
`attributing a score to the monitored results; and
`
`a web—enable software solution for providing the monitoring
`
`results and the scores to the target entity, the independent program catalyst and
`
`an interested third party.
`
`25.
`
`The system of Claim 24, wherein said score comprises an indication of
`
`the insured entity's conformance with said program requirements.
`
`26.
`
`The system of Claim 24, wherein the program catalyst is further
`
`operative to provide feedback to the insuring entity regarding said monitored
`
`results and said score.
`
`27.
`
`The system of Claim 24, wherein the program catalyst provides feedback
`
`to the insuring entity by utilizing the web—enable software.
`
`10
`
`15
`
`20
`
`20
`
`Page 001208
`
`

`
`W0 02/41119
`
`PCT/US01/49935
`
`
`
`/{ Distribution :r"
`100 ‘~.\
`/'
`
`
`
`Program Catalyst
`
`
`Program Client
`
`
`Fig. 1
`
`Page 001209
`
`

`
`WO 02/41119
`
`PCT/US01/49935
`
`
`
`‘
`
`‘ Program
`Catalyst
`eb-enable -
`Clinically
`reporting
`Driven
`
`grams
`
`
`
`
`
`Fig. 2
`
`2/4
`
`Page 001210
`
`

`
`W0 02/41119
`
`PCT/US01/49935
`
`Process Flow
`
`31 O
`
`320
`
`330
`
`is) V
`
`340
`
`
`
`.
`.
`.
`.
`.
`Insuring entity and/or priority strategic
`pamers and program catalyst enter into
`contract for provision of services to
`insured entity
`
`Program catalyst provides services to
`insured entity and provides risk reports to
`
`insuring entity and/or insured entity
`
`Formulate Program (Insurance Program)
`
`Insuring entity and insured entity enter into
`insurance relationship
`
`I
`
`Insuring entity may modify insurance
`
`programs based on risk reports
`
`350
`
`3/4
`
`Fig. 3
`
`Page 001211
`
`

`
`WO 02/41119
`
`PCT/US01/49935
`
`
`
`
`
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`
`Page 001212
`
`
`
`
`
`
`

`
`(12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT)
`
`(19) World Intellectual Property Organization
`International Bureau
`
`(43) International Publication Date
`4 September 2003 (04.09.2003)
`
`(10) International Publication Number
`W0 03/073339 A1
`
`
`
`International Patent Classification’:
`G08G 1/123, G07C 5/00
`
`G06F 17/60,
`
`International Application Number:
`
`PCT/IEO3/00028
`
`International Filing Date: 26 February 2003 (26.02.2003)
`
`Filing Language:
`
`Publication Language:
`
`English
`
`English
`
`Priority Data:
`S020l49
`S020259
`S020786
`
`26 February 2002 (26.02.2002)
`9 April 2002 (09.04.2002)
`1 October 2002 (01.10.2002)
`
`IE
`IE
`IE
`
`Applicant 0‘or all designated States except US): LICENS-
`ING AND INVENTION COMPANY LINIITED [IE/IE];
`DEM House, Unit 4, Monread Commercial Park, Nass,
`County Kildare (IE).
`
`Inventors; and
`Inventors/Applicants (for US only): CHAMBERLAIN,
`Brian [IE/IE]; 35 The Coppice, Woodfarm Acres, Dublin
`
`20 (IE). MCCLEAN, Derek [IE/IE]; Kerdiffstown, Salins,
`County Kildare (IE). MARTIN, Leo [IE/IE]; 62 Lower
`Drumcondra Road, Dublin 9 (IE). REDLER, Y. [IL/IL];
`Hayezira, 3 Poleg Industrial Zone, Netania (IL). LALLY,
`R

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