CN101464925A - Patent insurance underwriting evaluation system and method - Google Patents
Patent insurance underwriting evaluation system and method Download PDFInfo
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- CN101464925A CN101464925A CNA2007101600296A CN200710160029A CN101464925A CN 101464925 A CN101464925 A CN 101464925A CN A2007101600296 A CNA2007101600296 A CN A2007101600296A CN 200710160029 A CN200710160029 A CN 200710160029A CN 101464925 A CN101464925 A CN 101464925A
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Abstract
The invention discloses a patent insurance underwriting system which comprises a patent underwriting data evaluation module, a patent risk evaluation module and a patent insurance rate evaluation module, wherein, the patent underwriting data evaluation module is used for evaluating the primary underwriting; the patent risk evaluation module is used for evaluating the risks of the patent application; and the patent insurance rate evaluation module is used for evaluating the insurance rate of the patent and the insurance amount. The invention has the advantages that quantified and automated processing can be performed by a computer, and the underwriting speed is high, and the insurance risk can be minimized.
Description
Technical field
The invention relates to a kind of patent insurance underwriting evaluation system and method, be used for the patented claim process or obtain after the card, whether insurance company uses assessment and examines and protect this patent case, and whether insurant and patent agent also can understand the management of its patent thus appropriate.
Background technology
Under the situation of competition in the international market fierceness, patent right becomes the important tool of Business survival and competition, high-tech industry is competitively applied for a patent now, utilizes patent action in recent years more easily, as striking competitors, collect the sharp weapon of compensation, even patent is used as a kind of operation strategy of enterprise, and make adversary's patent invalid by objection, means attempt such as invalid, be anticipated that, in flourish epoch, enterprise operation must more be dependent on patent layout and innovation research and development at intelligence wealth.
For enterprise, a national applications patent, be illustrated in the chance that this state has an exclusivity innovation market, and this chance may be owing to miscarriage among application process when international monopoly layout (especially application and maintenance management), perhaps after obtaining card, be disabled again unexpectedly, and lose big good market, even after production marketing, told infringement; This situation is suffered heavy losses beyond doubt for a patented claim person.
Therefore, the present invention wishes by a suitable patent insurance system, allow inventor and patent applicant when its innovation, can obtain to ensure by this insurance system and management method thereof, thereby make the inventor can not block the power of its innovation because of foregoing problems, under the situation that innovation is suitably ensured, the human lives could continue progressive the improvement, and this patent insurance system must be passed through a rational patent insurance underwriting appraisal procedure, make the underwriter be assessed risk, whether decision is made, simultaneously, the insurant also can understand the risk of its patented claim thus, whether continues the infusion of financial resources running with assessment.
International at present patent insurance system is not very built complete as yet, and minority is made the dealer with artificial or half manual type analysis and evaluation, not only can't examine the guarantor fast, also is difficult to discover the leak of insurance.
Summary of the invention
The object of the present invention is to provide a kind of patent nuclear that comprises to protect data assessment module, patent risk evaluation module, and the patent insurance underwriting evaluation system and the method for patent piemium rate evaluation module.
The object of the present invention is to provide a kind ofly comprise that patent exists really, this patent really by the insurant applies for, this patent not Exclusive Licensing in other people etc. tentatively can examine guarantor property evaluating system and method.
The object of the present invention is to provide a kind of risk assessment data system and method that comprises patent retrieval analysis report, validity of patent analysis report, patent agent's specialty proof etc.
The object of the present invention is to provide a kind of patent retrieval analysis report to comprise at least: in the file set before the applying date of the patent of assessing or the priority date, to reach all patent documents more than a certain preset standard value with the similarity of this assessment patent.
The object of the present invention is to provide a kind of validity of patent analysis report to comprise at least: to meet the patent statute analysis report, meet Patent Law important document analysis report.
The object of the present invention is to provide a kind of computing method of patent sum of insurance.
The invention provides a kind of patent insurance underwriting evaluation system, comprise:
One patent nuclear is protected the data assessment module, tentatively can examine guarantor's property in order to assess this patent, comprises following steps:
(1) input one patent;
(2) judging whether this patent has tentatively us can examine guarantor's property, looks it and whether reaches default basic nuclear and protect condition, judges whether it has tentatively can examine guarantor's property, is then to carry out next step, otherwise stops;
One patent risk evaluation module in order to assess the risk of this patented claim, comprises following steps:
(1) nuclear of input one patent is protected data, and it is the data that provided by insurant and/or proposer that this nuclear is protected data;
(2) obtain the risk assessment data of this patent, the data acquisition that these risk assessment data are is evaluation criteria for the patent statute of foundation patented claim country and important document and other subjective and objective condition;
(3) judge this patent in the patented claim process according to the risk assessment data, perhaps obtain card risk afterwards, look it and whether reach default standard value, judge whether to bear this patented claim or obtain card risk afterwards;
One patent piemium rate evaluation module, piemium rate and sum of insurance in order to assess this patent comprise following steps:
(1) nuclear of input one patent is protected data and risk assessment data;
(2) appraise and decide or revise piemium rate and sum of insurance according to these risk assessment data.
Above-mentioned patent insurance underwriting evaluation system, wherein this patent nuclear is protected the default basic nuclear of data assessment module and is protected condition, at least comprise: this patent exists really, this patent really by insurant and/or proposer applied for, Exclusive Licensing is not in other people for this patent, and this patent is not had any mortgage, establishes the situation of matter.
Above-mentioned patent insurance underwriting evaluation system, wherein this insurant refers to that the patent exclusive right is had insurable interest, suffers a loss when the peril of accepting insurance takes place, and enjoys the people of insurance claim; The proposer refers to insure and bear the people of payment of premium obligation to the underwriter with own or other people all patents, and the proposer insures with oneself patent and is the insurant, and as if insuring with other people patent, it is the insurant that this patent exclusive right is enjoyed the people.
Above-mentioned patent insurance underwriting evaluation system, wherein the risk assessment data of this patent risk evaluation module indication comprise: patent retrieval analysis report, validity of patent analysis report, patent agent's specialty proof at least.
Above-mentioned patent insurance underwriting evaluation system, this patent retrieval analysis report wherein, at least comprise: in the file set before the applying date of the patent of assessing or the priority date, reach all patent documents more than a certain preset standard value with the similarity of this assessment patent.
Above-mentioned patent insurance underwriting evaluation system, wherein this patent retrieval is analyzed and is comprised following steps:
(1) input one patent;
(2) judge the applying date of this patent or the file set before the priority date, and the similarity between this patent, the file that similarity is reached more than the predetermined standard value is made up and is listed in report.
Above-mentioned patent insurance underwriting evaluation system, wherein this validity of patent analysis report comprises: meet the patent statute analysis report, meet Patent Law important document analysis report at least.
Above-mentioned patent insurance underwriting evaluation system, wherein this validity of patent analysis comprises following steps:
(1) input one patent;
(2) judge the data acquisition of patent statute and important document and other subjective and objective factor, protect data with the nuclear that insurant and/or proposer are provided and whether be consistent and list report in, to determine its risk height;
(3) abovementioned steps gained result is consistent and promptly is judged to effective patent, then its result is not divided into amend item and can not amend item but meet, in case of can not then can refusing to make by amend item, but as amend item after revising really, then can recover to make.
Above-mentioned patent insurance underwriting evaluation system, wherein the risk of this patent risk evaluation module indication comprises: substantial risk, moral hazard and psychological risk at least; Aforementioned substantial risk is patent content, Patent right requirement scope, patented claim administrative situation; Aforementioned moral hazard is the moral face assessment by the insurant, as insurant's financial position, interpersonal relation, bad personality; Aforementioned psychological risk is by insurant's efficiency of management and managerial ability assessment.
Above-mentioned patent insurance underwriting evaluation system, wherein the nuclear of this patent piemium rate evaluation module indication is protected data, further comprises patent mirror valence mumber certificate.
Above-mentioned patent insurance underwriting evaluation system, the computing method of this sum of insurance wherein comprise following steps at least:
(1) ratio of depreciation of calculating patent:
Ratio of depreciation=used a year number ÷ term of a patent year number, or ratio of depreciation=used year number ÷ (term of a patent year number+X coefficient);
(2) patent is worth * (1-ratio of depreciation).
Above-mentioned patent insurance underwriting evaluation system, wherein the X coefficient in the computing method of this sum of insurance is to be a predetermined numerical value.
The invention provides a kind of patent nuclear and protect the data assessment method, comprise following steps:
(1) input one patent;
(2) judging whether this patent has tentatively us can examine guarantor's property, looks it and whether reaches default basic nuclear and protect condition, judges whether it has tentatively can examine guarantor's property, is then to carry out next step, otherwise stops.
Above-mentioned patent insurance underwriting appraisal procedure, basic nuclear that wherein should be default is protected condition, comprises at least: this patent exists really, this patent really for insurant and/or proposer apply for, this patent not Exclusive Licensing do not have any mortgage, establish the facts of matter in other people, this patent.
Above-mentioned patent insurance underwriting appraisal procedure, wherein this insurant refers to that the patent exclusive right is had insurable interest, suffers a loss when the peril of accepting insurance takes place, and enjoys the people of insurance claim; The proposer refers to insure and bear the people of payment of premium obligation to the underwriter with own or other people all patents, and the proposer insures with oneself patent and is the insurant, and as if insuring with other people patent, it is the insurant that this patent exclusive right is enjoyed the people.
The invention provides a kind of patent methods of risk assessment, comprise following steps:
(1) nuclear of input one patent is protected data, and it is the data that provided by insurant and/or proposer that this nuclear is protected data;
(2) obtain the risk assessment data of this patent, the data acquisition that these risk assessment data are is evaluation criteria for the patent statute of foundation patented claim country and important document and other subjective and objective condition;
(3) judge this patent in the patented claim process according to the risk assessment data, perhaps obtain card risk afterwards, look it and whether reach default standard value, judge whether to bear this patented claim or obtain card risk afterwards.
Above-mentioned patent methods of risk assessment, wherein these risk assessment data comprise: patent retrieval analysis report, validity of patent analysis report, patent agent's specialty proof at least.
Above-mentioned patent methods of risk assessment, this patent retrieval analysis report wherein comprises at least: in the file set before the applying date of the patent of assessing or the priority date, reach all patent documents more than a certain preset standard value with the similarity of this assessment patent.
Above-mentioned patent methods of risk assessment, wherein this patent retrieval is analyzed and is comprised following steps:
(1) input one patent;
(2) judge the applying date of this patent or the file set before the priority date, and the similarity between this patent, the file that similarity is reached more than the predetermined standard value is made up and is listed in report.
Above-mentioned patent methods of risk assessment, wherein this validity of patent analysis report comprises: meet the patent statute analysis report, meet Patent Law important document analysis report at least.
Above-mentioned patent methods of risk assessment, wherein this validity of patent analysis comprises following steps:
(1) input one patent;
(2) judge the data acquisition of patent statute and important document and other subjective and objective factor, protect data with the nuclear that insurant and/or proposer are provided and whether be consistent and list report in, to determine its risk height;
(3) abovementioned steps gained result is consistent and promptly is judged to effective patent, then its result is not divided into amend item and can not amend item but meet, in case of can not then can refusing to make by amend item, but as amend item after revising really, then can recover to make.
Above-mentioned patent methods of risk assessment, wherein the risk of indication comprises: substantial risk, moral hazard and psychological risk at least; Aforementioned substantial risk is patent content, Patent right requirement scope, patented claim administrative situation; Aforementioned moral hazard is the moral face assessment by the insurant, as insurant's financial position, interpersonal relation, bad personality; Aforementioned psychological risk is by insurant's efficiency of management and managerial ability assessment.
The invention provides a kind of patent piemium rate appraisal procedure, comprise following steps:
(1) nuclear of input one patent is protected data and risk assessment data;
(2) appraise and decide or revise piemium rate and sum of insurance according to these risk assessment data.
Above-mentioned patent piemium rate appraisal procedure wherein should be protected data by nuclear, further comprised patent mirror valence mumber certificate.
Above-mentioned patent piemium rate appraisal procedure, the computing method of this sum of insurance wherein comprise following steps at least:
(1) ratio of depreciation of calculating patent:
Ratio of depreciation=used a year number ÷ term of a patent year number, or ratio of depreciation=used year number ÷ (term of a patent year number+X coefficient);
(2) patent is worth * (1-ratio of depreciation).
Above-mentioned patent piemium rate appraisal procedure, wherein the X coefficient in the computing method of this sum of insurance is to be a predetermined numerical value.
The invention has the advantages that can quantize with computing machine, robotization handles, not only nuclear is protected fast, and insurance risk can be reduced to minimum.
Description of drawings
Fig. 1 is the calcspar that shows computer installation of the present invention.
Fig. 2 shows computing machine of the present invention, network and the online figure of system.
Fig. 3 shows patent insurance underwriting evaluation system figure of the present invention.
Fig. 4 shows patent insurance underwriting evaluation module figure of the present invention.
Fig. 5 shows patent risk evaluation module figure of the present invention.
Fig. 6 shows patent retrieval analysis chart of the present invention.
Fig. 7 shows validity of patent analysis chart of the present invention.
Fig. 8 shows patent piemium rate evaluation module figure of the present invention.
Fig. 9 shows patent nuclear guarantor process flow diagram of the present invention.
The main element symbol description:
The 100---computer installation
The 102---desktop computer
The 104---mobile computer
The super brain machine of 106---(UMPC), MID
The 108---server
The 110---power supply device
120---central processing unit (CPU)
The 130---internal memory
135---?RAM
140---?ROM
The 150---software service
155---operating system
The 160---application software
165---database and data
170---archives and data casket
180---motherboard device
The 200---storage device
The 205---hard disk
The 210---floppy disk
The 215---CD
The 220---flash memory
230---display card device
The 235---display
The 240---I/O device
250---wire/wireless hookup mechanism (bluetooth/RF/ infrared ray/USB)
The 255---keyboard/mouse
The 260---tabulating machine
The 265---modulator-demodular unit
270---network card device
275---wire/radio network equipment
The audio-visual card device of 280---video
285---video recorder/microphone
The online figure of 300---computing machine, network and system
310---user (underwriter/insurance agent/patent agent/proposer/insurant etc.)
The 350---wireless communication transmission device
The 355---mobile phone
360---?PDA
Other communication device of 365---
The 400---Internet system
The 410---Website server
420---user's password
The 450---LAN system
460---server-side network equipment
465---server-side network system
The 470---system database
The 500---patent insurance underwriting evaluation system
505---nuclear is protected data query/correction
510---correction conditions and communication
Last correction conditions of 515---and negotiation
The 520---surrender
530---accepts insurance
But 535---amend item
550---winds up the case
600---patent insurance underwriting evaluation module
The 610---importation patent
The default basic nuclear guarantor condition of 620---
630---has tentatively can examine guarantor's property
650---patent risk evaluation module
660---importation patent nuclear is protected data
The risk assessment data of 665---patent
Whether 670---is identical or different with the preset standard value
Whether 675---can accept this risk
700---analyses patent retrieval side
710---judges the file set before applying date of this patent or the priority date, and the similarity between this patent, and similarity is reached file more than the predetermined standard value, is made up and list in report
720---patent retrieval analysis report
The 750---validity of patent is analyzed
Whether 760---judges the data acquisition of patent statute and important document and other subjective and objective factor, protect data with the nuclear that insurant or proposer are provided and conform to, and list report in, to determine the height of its risk
The effective patent of 770---
780---validity of patent analysis report
800---patent piemium rate evaluation module
810---importation patent nuclear is protected and risk assessment data and patent mirror valence mumber certificate
820---appraises and decides the piemium rate and the amount of money
830---revises the piemium rate and the amount of money
The 840---signing piemium rate and the amount of money
900---patent nuclear is protected process flow diagram
The 910---proposal of insurance
920---nuclear is protected data and is provided
Very whether 930---the matter business
Embodiment
Please refer to Fig. 1, show the calcspar of computer installation of the present invention; Show computer installation 100 of the present invention in this embodiment, comprise at least a power supply device 110, at least comprise a central processing unit (CPU) 120, at least comprise an internal memory 130, at least comprise a software service 150, at least comprise a motherboard device 180, at least comprise a storage device 200, at least comprise a display card device 230, at least comprise an I/O device 240, at least comprise a wire/wireless hookup mechanism (bluetooth/RF/ infrared ray/USB) 250, at least comprise a network card device 270, comprise the audio-visual card device 280 of a video at least.
Computer installation 100 of the present invention is computer architecture a kind of mode wherein, and power supply device 110 of the present invention can provide and satisfies whole electricity needs on the computer installation 100 for one; This computer installation 100 have can carry out various computer instructions software service 150 thereon, this device can be a desktop computer 102, a mobile computer 104, one super brain machine (UMPC), MID 106 or a server 108; Can be in one software service 150 and comprise an operating system 155 at least, at least comprise an application software 160, at least comprise a database and data 165, at least comprise archives and data casket 170, computer system of the present invention also belongs to one of computer software unit 150, place a storage device 200 or an internal memory 130 etc. allow computing machine read access at any time, when executive software, major part all with the data reading to deposit, get and one of be stored in a hard disk 205 or the internal memory 130 among a RAM 135 or the ROM 140, to make things convenient for central processing unit (CPU) 120 read access and computing at any time, operations such as compute are to improve computing machine usefulness; For convenient user (underwriter/insurance agent/patent agent/proposer/insurant etc.) 310 will these data export to device into, therefore user 310 can utilize comprise at least a floppy disk 210, at least comprise a CD 215, comprise a flash memory 220 etc. at least and store various data, also be not easy to use person 310 to use, preserve and carry; User 310 can (bluetooth/RF/ infrared ray/USB) 250 etc. links use with a keyboard/mouse 255, a display 235, a tabulating machine 260, a modulator-demodular unit 265 etc. by the I/O device 240 on this device, a wire/wireless hookup mechanism, allow the above-mentioned equipment of utilization that user 310 can be real-time, satisfy user 310 in input literary composition numeral, assign various instructions, watch result and report, on LAN system 450 to the demand of server-side network equipment 460 etc.; One motherboard device 180 is the carrier of various crystal of device and printed wire, and its fundamental purpose is for linking various assemblies, device and the system on the computer installation 100, with operation and the effective utilization that improves this brain device 100; One central processing unit (CPU) 120, heart for computer installation 100, to accept and to carry out instructions on this computer installation 100, computing, function etc. is fundamental purpose, the speed of its computing, power consumption, logical organization, temperature, heat dissipating state etc. all can directly have influence on the superiority-inferiority of computer installation 100; User 310 can be by this device a wire/radio network equipment 275, make it can be linked to server-side network equipment 460 on the Internet system 400, on network world, share resource, browse, on line operation and data download etc. with other people; The audio-visual card device 280 of one video, need to use with one video recorder/microphone 285 collocation, its fundamental purpose is for increasing the audio-visual laser propagation effect of video on this device, in order to user 310 convenient use on LAN system 450 or Internet system 400, and can implement functions such as Internet video talk, the networking telephone, network monitoring, to improve the computing machine effective utilization; One wireless communication transmission device 350, user 310 also can pass through this device, by the modes that link mutually with Internet system 400, carry out the pattern of computer operation, operation or the management of dynamic formula, reach and collect and assign latest command in real time, need in indoor computed constraint to break away from over.
The use of this computer installation 100 is not limited to the use of single computing machine, also can adopt the mode of several computer installations 100 with series connection arranged side by side, enlarges its operation effect and arithmetic capability and scale.
Please refer to Fig. 2, is to show computing machine of the present invention, network and the online figure of system; Be to show computing machine of the present invention in this embodiment, the online Figure 30 0 of network and system, at least comprise a user (underwriter/insurance agent/patent agent/proposer/insurant etc.) 310, different users 310, can be according to the computer installation 100 of its use, as a desktop computer 102, one mobile computer 104, one super brain machine (UMPC), MID 106, one server 108 etc., or use a wireless communication transmission device 350, as a mobile phone 355, one PDA 360, one other communication device 365 etc., respectively with Internet system 400 or LAN system 450 etc., enter in the server-side network equipment 460 after online and use.
When user 310 enters Internet system 400, can enter in the Website server 410 earlier, its inner mode of operation can require usefulness person's 310 input user passwords 420, think checking and the usefulness of discerning its identity, as verifying by after the identification of user's password 420, user 310 just can enter in the server-side network equipment 460 and move according to the extent of competence of its use; What user 310 at first touched is a server-side network system 465, and after entering native system, user 310 promptly opens to make in the rights of using scope of patent insurance underwriting evaluation system 500 and operates native system; User 310 can be in native system, in system database 470, read required data, do the increasing of its necessity, delete, repair, benefit etc. inputs or outputs action, then with above-mentionedly increase, delete, repair, the latest data of benefit etc., again return and deposit in the system database 470, native system will produce brand-new data again according to user 310 instruction after the operation of native system, use for oneself or other people in the future; If necessary, user 310 also can set and by server-side network system 465, with the instruction that some data is established according to the software journey, return and give user 310, allows user 310 all can grasp or obtain up-to-date information at any time.
, be to show patent insurance evaluating system 500 of the present invention please, include three functional modules, be respectively patent insurance underwriting evaluation module 600, tentatively can examine guarantor's property in order to assess this patent referring to Fig. 3; Patent risk evaluation module 650 is in order to assess the risk of this patented claim; Patent piemium rate evaluation module 800 is in order to piemium rate and the sum of insurance of assessing this patent.
Please, be the implementation step of patent insurance underwriting evaluation module 600 referring to Fig. 4; Step 610 importation patent, for example number of importation patent, date and content thereof or the like; To preset basic nuclear guarantor condition 620 earlier sets up, entering step 630 has and tentatively can examine the judgement of guarantor property, should basic nuclear guarantor condition for example this patent exists really, this patent really by the insurant applied for, this patent not Exclusive Licensing in other people, and this patent does not have any mortgage, establishes matter facts or the like, judge whether this patent meets this default basic nuclear guarantor condition, be then to enter next step 650 patent risk evaluation module, otherwise enter surrender 520; If surrender then enters and winds up the case 550, then enter correction conditions and link up 510 as not surrender, but, then enter importation patent 610 as correction conditions after linking up, open new steps flow chart again.
Please, be the implementation step of patent risk evaluation module 650 referring to Fig. 5; Step 660 importation patent nuclear is protected data, and it is the data that provided by insurant and/or proposer that this nuclear is protected data; Step 665 obtains the risk assessment data of this patent, and these risk assessment data are data acquisitions of all patent statutes and important document and other subjective and objective condition, uses and sets up the preset standard value; Step 670 judges whether patent nuclear guarantor data 660 are identical with the preset standard value, and judge whether to bear this risk, be then to enter patent piemium rate evaluation module 800, otherwise enter surrender 520, if surrender then enters and winds up the case 550, then enter correction conditions and link up 510 as not surrender, but as correction conditions after linking up, then enter patent nuclear and protect data 660, open new steps flow chart again; The setting of " patent statute joint patent applying right must be filed an application by all joint owners " is for example arranged in the preset standard value, file an application by all joint owners if this patent is non-, then enter surrender 520, if surrender then enters and winds up the case 550, if not surrender then enters correction conditions and links up 510, but as correction conditions (according to patent statute) really after linking up, then enter patent nuclear and protect data 660, open new steps flow chart again.
In the step of Fig. 5, the risk assessment data 665 of its patent still comprise patent retrieval analysis report (showing as Fig. 6), validity of patent analysis report (showing as Fig. 7) etc., use the effect of strengthening the patent risk assessment.
Please, be the implementation step of patent retrieval analysis 700 referring to Fig. 6; Step 610 input one patent, step 710 is judged the applying date of this patent or the file set before the priority date, and the similarity between this patent, similarity is reached file more than the predetermined standard value, made up and listed in report, reach more than the predetermined standard value because of its similarity simultaneously, therefore enter surrender 520, surrender is then wound up the case as final decision, otherwise enter correction conditions and link up 510, but, then reenter step 610 importation patent as correction conditions (according to patent statute) really after linking up, again open new steps flow chart, be described as follows:
Patent retrieval analyzes 700, mainly be assistance by computer installation 100 and application software 160 thereof, when user's 310 importation patents 610, shelves name with this patent, the keyword that topic mark or setting will be retrieved is as the inspection index word, can select to adopt singly choosing or final election mode and dwindle or enlarge the scope of patent retrieval, enter in the patent database system then, come the relevant or comparatively approaching word of similarity with above-mentioned inspection index word by the pen retrieval, speech etc., in case the patent name that computer search just will this pen to the back, the applying date, priority date, the inventor, the applicant, related datas (software can set up the data of pre-extracts on their own) such as pen time LSN, automatic extraction is temporary in to the patent retrieval file in the hard disk 205 specified archives and data casket 170, till whole patent data research finishes, at this moment, it is comparatively complete that user 310 can obtain portion, and more approaching patent data of similarity and stroke count record have been retrieved, made up the back and list in the report, the stroke count record is done a comparison with predetermined standard value more then, if its comparison value is during greater than predetermined standard value, then enter surrender 520 job procedures, if the final decision surrender is then wound up the case, and this is recorded in the patent retrieval analysis report 720, otherwise enter in the correction conditions and 510 programs of communication, but as correction conditions (according to patent statute) really after linking up, then enter step 610 importation patent again again, again open new steps flow chart, its program begins the beguine once as previously mentioned, till patent retrieval was passed through, this case was was just accepted.
Please continue referring to Fig. 6, aforementioned similarity reaches the above file of predetermined standard value, is made up and list in the present embodiment in the step 720 patent retrieval analysis report, goes forward side by side and becomes and add the epistasis supplementary data in the risk assessment data 665 of patent.
Please, be the implementation step of validity of patent analysis 750 referring to Fig. 7; Step 610 importation patent; Whether step 760 is judged the data acquisition of patent statute and important document and other subjective and objective factor, protect data with the nuclear that insurant and/or proposer are provided and conform to, and list report in, to determine the height of its risk; Be then to enter effective patent 770, and enter validity of patent analysis report 780, and become and add the epistasis supplementary data in the risk assessment data 665 (as Fig. 5) of patent; Otherwise enter correction conditions and link up 510, but, then reenter step 610 importation patent, open new steps flow chart again, be described as follows as correction conditions (according to patent statute) really after linking up:
Protect in the data at the nuclear that insurant and/or proposer provided, must have one by questionnaire that insurant and/or proposer filled in, this questionnaire is to constitute according to patent statute and important document and other subjective and objective factor, answer with "Yes" and "No" in the present embodiment, and further this answer input computing machine is carried out robotization classification and evaluation process, this questionnaire design content can just be distinguished according to risk, for nuclear guarantor person reference.
Earlier figures 5 patent risk evaluation module 650 continue to enter patent piemium rate evaluation module 800 after implementing, please referring to the implementation step of Fig. 8; After step 810 importation patent nuclear guarantor and risk assessment data and the patent mirror valence mumber certificate, appraise and decide the piemium rate and the amount of money with step 820, the computing method of this sum of insurance are following steps:
(1) ratio of depreciation of calculating patent:
Ratio of depreciation=used a year number ÷ term of a patent year number, or ratio of depreciation=used year number ÷ (term of a patent year number+X coefficient);
(2) patent is worth * (1-ratio of depreciation).
Above-mentioned patent piemium rate appraisal procedure, wherein the X coefficient in the computing method of this sum of insurance is to be a predetermined numerical value, this numerical value is undertaken stipulating after the finance estimation by the underwriter.
Please continue referring to Fig. 8, after in case piemium rate and sum of insurance are appraised and decided, be then to enter to revise the piemium rate and the amount of money 820, and the signing piemium rate and the amount of money 840, and judge whether good matter business 930, be then to accept insurance, otherwise surrender is wound up the case or is entered last correction conditions and consult 515, after linking up, can revise really, then reenter step 810 importation patent nuclear guarantor and risk assessment data and patent mirror valence mumber certificate, open new steps flow chart again.
Please continue,, then enter surrender to wind up the case, or enter step 510 correction conditions and communication, open new steps flow chart again if step 820 is appraised and decided piemium rate and sum of insurance is not referring to Fig. 8.
Please referring to Fig. 9, for the patent nuclear of present embodiment is protected process flow diagram 900, sign after the proposal of insurance 910 by proposer or insurant, entering step 920 nuclear guarantor data provides, then enter step 600 patent insurance underwriting evaluation module and 640 analysis and evaluations nuclear in this way and protect data, otherwise surrender is wound up the case or entered 510 correction conditions and communication; The step of other module is please referring to Fig. 5, Fig. 6, Fig. 7, Fig. 8, do not do at this and to give unnecessary details, only in step 650 patent risk evaluation module, except aforementioned every assessment, still assess substantial risk 675 as patent content, Patent right requirement scope, patented claim administrative situation; Moral hazard 680 is the moral face assessments by the insurant, as insurant's financial position, interpersonal relation, bad personality; Psychology risk 685 is to be assessed by aspects such as insurant's efficiency of management and managerial abilities.
After describing preferred embodiment of the present invention in detail, those skilled in the art can clearly understand, and can carry out various variations and change not breaking away under following claim and the spirit, also are not subject to the embodiment of the embodiment of instructions.
Claims (26)
1, a kind of patent insurance underwriting evaluation system comprises:
One patent nuclear is protected the data assessment module, tentatively can examine guarantor's property in order to assess this patent, comprises following steps:
(1) input one patent;
(2) judging whether this patent has tentatively us can examine guarantor's property, looks it and whether reaches default basic nuclear and protect condition, judges whether it has tentatively can examine guarantor's property, is then to carry out next step, otherwise stops;
One patent risk evaluation module in order to assess the risk of this patented claim, comprises following steps:
(1) nuclear of input one patent is protected data, and it is the data that provided by insurant and/or proposer that this nuclear is protected data;
(2) obtain the risk assessment data of this patent, the data acquisition that these risk assessment data are is evaluation criteria for the patent statute of foundation patented claim country and important document and other subjective and objective condition;
(3) judge this patent in the patented claim process according to the risk assessment data, perhaps obtain card risk afterwards, look it and whether reach default standard value, judge whether to bear this patented claim or obtain card risk afterwards;
One patent piemium rate evaluation module, piemium rate and sum of insurance in order to assess this patent comprise following steps:
(1) nuclear of input one patent is protected data and risk assessment data;
(2) appraise and decide or revise piemium rate and sum of insurance according to these risk assessment data.
2, patent insurance underwriting evaluation system according to claim 1, wherein this patent nuclear is protected the default basic nuclear of data assessment module and is protected condition, at least comprise: this patent exists really, this patent really by insurant and/or proposer applied for, Exclusive Licensing is not in other people for this patent, and this patent is not had any mortgage, establishes the situation of matter.
3, patent insurance underwriting evaluation system according to claim 2, wherein this insurant refers to that the patent exclusive right is had insurable interest, suffers a loss when the peril of accepting insurance takes place, and enjoys the people of insurance claim; The proposer refers to insure and bear the people of payment of premium obligation to the underwriter with own or other people all patents, and the proposer insures with oneself patent and is the insurant, and as if insuring with other people patent, it is the insurant that this patent exclusive right is enjoyed the people.
4, patent insurance underwriting evaluation system according to claim 1, wherein the risk assessment data of this patent risk evaluation module indication comprise: patent retrieval analysis report, validity of patent analysis report, patent agent's specialty proof at least.
5, patent insurance underwriting evaluation system according to claim 4, this patent retrieval analysis report wherein, at least comprise: in the file set before the applying date of the patent of assessing or the priority date, reach all patent documents more than a certain preset standard value with the similarity of this assessment patent.
6, patent insurance underwriting evaluation system according to claim 5, wherein this patent retrieval is analyzed and is comprised following steps:
(1) input one patent;
(2) judge the applying date of this patent or the file set before the priority date, and the similarity between this patent, the file that similarity is reached more than the predetermined standard value is made up and is listed in report.
7, patent insurance underwriting evaluation system according to claim 4, wherein this validity of patent analysis report comprises: meet the patent statute analysis report, meet Patent Law important document analysis report at least.
8, patent insurance underwriting evaluation system according to claim 7, wherein this validity of patent analysis comprises following steps:
(1) input one patent;
(2) judge the data acquisition of patent statute and important document and other subjective and objective factor, protect data with the nuclear that insurant and/or proposer are provided and whether be consistent and list report in, to determine its risk height;
(3) abovementioned steps gained result is consistent and promptly is judged to effective patent, then its result is not divided into amend item and can not amend item but meet, in case of can not then can refusing to make by amend item, but as amend item after revising really, then can recover to make.
9, patent insurance underwriting evaluation system according to claim 1, wherein the risk of this patent risk evaluation module indication comprises: substantial risk, moral hazard and psychological risk at least; Aforementioned substantial risk is patent content, Patent right requirement scope, patented claim administrative situation; Aforementioned moral hazard is the moral face assessment by the insurant, as insurant's financial position, interpersonal relation, bad personality; Aforementioned psychological risk is by insurant's efficiency of management and managerial ability assessment.
10, patent insurance underwriting evaluation system according to claim 1, wherein the nuclear of this patent piemium rate evaluation module indication is protected data, further comprises patent mirror valence mumber certificate.
11, patent insurance underwriting evaluation system according to claim 1, the computing method of this sum of insurance wherein comprise following steps at least:
(1) ratio of depreciation of calculating patent:
Ratio of depreciation=used a year number ÷ term of a patent year number, or ratio of depreciation=used year number ÷ (term of a patent year number+X coefficient);
(2) patent is worth * (1-ratio of depreciation).
12, patent insurance underwriting evaluation system according to claim 11, wherein the X coefficient in the computing method of this sum of insurance is to be a predetermined numerical value.
13, a kind of patent nuclear is protected the data assessment method, comprises following steps:
(1) input one patent;
(2) judging whether this patent has tentatively us can examine guarantor's property, looks it and whether reaches default basic nuclear and protect condition, judges whether it has tentatively can examine guarantor's property, is then to carry out next step, otherwise stops.
14, patent insurance underwriting appraisal procedure according to claim 13, basic nuclear that wherein should be default is protected condition, comprises at least: this patent exists really, this patent really for insurant and/or proposer apply for, this patent not Exclusive Licensing do not have any mortgage, establish the situation of matter in other people, this patent.
15, patent insurance underwriting appraisal procedure according to claim 14, wherein this insurant refers to that the patent exclusive right is had insurable interest, suffers a loss when the peril of accepting insurance takes place, and enjoys the people of insurance claim; The proposer refers to insure and bear the people of payment of premium obligation to the underwriter with own or other people all patents, and the proposer insures with oneself patent and is the insurant, and as if insuring with other people patent, it is the insurant that this patent exclusive right is enjoyed the people.
16, a kind of patent methods of risk assessment comprises following steps:
(1) nuclear of input one patent is protected data, and it is the data that provided by insurant and/or proposer that this nuclear is protected data;
(2) obtain the risk assessment data of this patent, the data acquisition that these risk assessment data are is evaluation criteria for the patent statute of foundation patented claim country and important document and other subjective and objective condition;
(3) judge this patent in the patented claim process according to the risk assessment data, perhaps obtain card risk afterwards, look it and whether reach default standard value, judge whether to bear this patented claim or obtain card risk afterwards.
17, patent methods of risk assessment according to claim 16, wherein these risk assessment data comprise: patent retrieval analysis report, validity of patent analysis report, patent agent's specialty proof at least.
18, patent methods of risk assessment according to claim 17, this patent retrieval analysis report wherein, at least comprise: in the file set before the applying date of the patent of assessing or the priority date, reach all patent documents more than a certain preset standard value with the similarity of this assessment patent.
19, patent methods of risk assessment according to claim 18, wherein this patent retrieval is analyzed and is comprised following steps:
(1) input one patent;
(2) judge the applying date of this patent or the file set before the priority date, and the similarity between this patent, the file that similarity is reached more than the predetermined standard value is made up and is listed in report.
20, patent methods of risk assessment according to claim 17, wherein this validity of patent analysis report comprises: meet the patent statute analysis report, meet Patent Law important document analysis report at least.
21, patent methods of risk assessment according to claim 20, wherein this validity of patent analysis comprises following steps:
(1) input one patent;
(2) judge the data acquisition of patent statute and important document and other subjective and objective factor, protect data with the nuclear that insurant and/or proposer are provided and whether be consistent and list report in, to determine its risk height;
(3) abovementioned steps gained result is consistent and promptly is judged to effective patent, then its result is not divided into amend item and can not amend item but meet, in case of can not then can refusing to make by amend item, but as amend item after revising really, then can recover to make.
22, patent methods of risk assessment according to claim 16, wherein the risk of indication comprises: substantial risk, moral hazard and psychological risk at least; Aforementioned substantial risk is patent content, Patent right requirement scope, patented claim administrative situation; Aforementioned moral hazard is the moral face assessment by the insurant, as insurant's financial position, interpersonal relation, bad personality; Aforementioned psychological risk is by insurant's efficiency of management and managerial ability assessment.
23, a kind of patent piemium rate appraisal procedure comprises following steps:
(1) nuclear of input one patent is protected data and risk assessment data;
(2) appraise and decide or revise piemium rate and sum of insurance according to these risk assessment data.
24, patent piemium rate appraisal procedure according to claim 23 wherein should be protected data by nuclear, further comprised patent mirror valence mumber certificate.
25, patent piemium rate appraisal procedure according to claim 23, the computing method of this sum of insurance wherein comprise following steps at least:
(1) ratio of depreciation of calculating patent:
Ratio of depreciation=used a year number ÷ term of a patent year number, or ratio of depreciation=used year number ÷ (term of a patent year number+X coefficient);
(2) patent is worth * (1-ratio of depreciation).
26, patent piemium rate appraisal procedure according to claim 25, wherein the X coefficient in the computing method of this sum of insurance is to be a predetermined numerical value.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101600296A CN101464925A (en) | 2007-12-20 | 2007-12-20 | Patent insurance underwriting evaluation system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101600296A CN101464925A (en) | 2007-12-20 | 2007-12-20 | Patent insurance underwriting evaluation system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101464925A true CN101464925A (en) | 2009-06-24 |
Family
ID=40805500
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101600296A Pending CN101464925A (en) | 2007-12-20 | 2007-12-20 | Patent insurance underwriting evaluation system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101464925A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102194198A (en) * | 2010-03-17 | 2011-09-21 | 乔美国际网络股份有限公司 | Processing device and mutual assistance type insurance processing method for same |
| CN104584055A (en) * | 2013-08-23 | 2015-04-29 | 易保网络技术(上海)有限公司 | Systems and methods for insurance design using standard insurance contexts and factors |
| CN109285076A (en) * | 2018-02-07 | 2019-01-29 | 中国平安人寿保险股份有限公司 | Intelligent core protects processing method, server and storage medium |
| CN111417977A (en) * | 2017-10-23 | 2020-07-14 | E·L·斯潘根贝格 | System and method for managing patent risks |
| CN111539834A (en) * | 2020-04-21 | 2020-08-14 | 慧择保险经纪有限公司 | Pre-check method and device |
-
2007
- 2007-12-20 CN CNA2007101600296A patent/CN101464925A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102194198A (en) * | 2010-03-17 | 2011-09-21 | 乔美国际网络股份有限公司 | Processing device and mutual assistance type insurance processing method for same |
| CN104584055A (en) * | 2013-08-23 | 2015-04-29 | 易保网络技术(上海)有限公司 | Systems and methods for insurance design using standard insurance contexts and factors |
| CN111417977A (en) * | 2017-10-23 | 2020-07-14 | E·L·斯潘根贝格 | System and method for managing patent risks |
| CN109285076A (en) * | 2018-02-07 | 2019-01-29 | 中国平安人寿保险股份有限公司 | Intelligent core protects processing method, server and storage medium |
| CN111539834A (en) * | 2020-04-21 | 2020-08-14 | 慧择保险经纪有限公司 | Pre-check method and device |
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Open date: 20090624 |