EP3335184A2 - An innovative art, method, manner, process, procedure and industrial application for a utilitarian model for the general public to integrate preventive healthcare services, health or medical insurance, life insurance and retirement or pension plans synergistically with payment service options such as debit card, credit cards, prepaid cards or digital wallets of banks or financial institutions on a single service delivery facilitation platform with an objective to create a 'unified 360 degree voluntary (or contributory) "social security&health protection scheme" (vsshps), which may alternatively be referred (among many other possible combination terminologies) to as "sustainable health assurance&social security investment platform (also referred to as "shassip" and further shortened by a coined word mark "secqued - Google Patents

An innovative art, method, manner, process, procedure and industrial application for a utilitarian model for the general public to integrate preventive healthcare services, health or medical insurance, life insurance and retirement or pension plans synergistically with payment service options such as debit card, credit cards, prepaid cards or digital wallets of banks or financial institutions on a single service delivery facilitation platform with an objective to create a 'unified 360 degree voluntary (or contributory) "social security&health protection scheme" (vsshps), which may alternatively be referred (among many other possible combination terminologies) to as "sustainable health assurance&social security investment platform (also referred to as "shassip" and further shortened by a coined word mark "secqued

Info

Publication number
EP3335184A2
EP3335184A2 EP16810022.0A EP16810022A EP3335184A2 EP 3335184 A2 EP3335184 A2 EP 3335184A2 EP 16810022 A EP16810022 A EP 16810022A EP 3335184 A2 EP3335184 A2 EP 3335184A2
Authority
EP
European Patent Office
Prior art keywords
health
social security
insurance
platform
referred
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP16810022.0A
Other languages
German (de)
French (fr)
Inventor
Sreejith VIJAYARAJ
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority claimed from PCT/IB2016/054800 external-priority patent/WO2017025898A2/en
Publication of EP3335184A2 publication Critical patent/EP3335184A2/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes

Definitions

  • the invention relates to an Art, Method, Manner, Process, Procedure, Utility model designed with an objective to provide a viable Social Security option especially for the people of developing countries like India where, the Government driven social security measures are ineffective and woefully inadequate.
  • the utility model integrates (1) Sustainable model of Preventive or Proactive Healthcare Services, (2) Health or Medical Insurance, (3) Life Insurance (which may include death & disability insurance) and (4) Retirement or Pension plans on a single service delivery platform with an obj ective to create a 'unified 360 degree voluntary (or contributory) Social Security & Health Protection Scheme" (VSSHPS), Or “Sustainable Health Assurance & Social Security Investment Platform (SHASSIP) ", hereinafter referred in this document as 'SecQlied", suitable for the subscription of both the employees of Corporate or other organized sectors as well as for the employees of unorganized sectors and other individuals.
  • VSSHPS Social Security & Health Protection Scheme
  • SHASSIP Suddensable Health Assurance & Social Security Investment Platform
  • the solution needs to be contiguously offered in concert with a Bank or Financial Institution to enable easy payment & administration process.
  • the utility model also helps an individual diligently deploy this card for promptly making periodic subscription pay outs (for maintaining the healthcare service pay out, health & life insurance premiums and investments in approved retirement plans) whilst also using the card for regular shopping.
  • Special Cash back facility is provided on this card through the solution provider's affiliated vendors on selected shopping avenues and merchandise. A part or full value of such 'cash back credits' to be used to re-invest or "top up” the insurance or pension program originally granted to the individual as part of the scheme. This helps in further enhancing the returns or value of the investment of the subscriber
  • the key specifications are -
  • Employers can structure the investments in the employee's compensation packages and thus offer the "total Social Security" to it's employees with a single window coordination and processing.
  • a proper 360 degree Personal Social Security can be defined as - "The need of a person to rightfully live healthy (Proactive Healthcare needs), failure of which, he should be secured or guarded against the financial burden of his hospitalization & treatments (Health Insurance needs), failure of which, the surviving family members should be secured or guarded against the possible financial loss of the key bread winner of the family on account of his untimely demise (Life Insurance needs) AND at the survival phase of all these, the larger need of the individual to gracefully age and maintain a healthy and financially secured retirement life - (Retirement Income/Pension needs)
  • “SecQued” in other words is a "self imposed levy/tax on a person, voluntarily thrust upon himself, the complete benefits of which can be directly attributable, identifiable and quantifiable against his own welfare measures covering his proactive healthcare needs, health & life insurance needs and retirement needs.
  • Sustainability is the foundation for the success of any social security investment program. Challenge is more when it comes to maintain persistency of regular and disciplined investments though small in nature, for long term tenure. There needs to be a proper “Incentivization” to promote this behavior. "SecQued” addresses this aspect through a highly innovative plough back concept of "cash backs” and other monetization benefits, made as an integral part of this solution.
  • India Every third person in an Indian city today is a youth, the median individual in India will soon be 29 years, very likely a cit -dweller, making it the youngest country in the world. By 2020, India is set to become the world's youngest country with 64 per cent of its population in the working age group. This invariably emphasizes the need to have in place a proper sustainable solution for individual's health assurance & social security needs. It will be highly unaffordable and
  • the business entities or authorised agents can use this platform to integrate and link their affiliated insurance/pension programs as well as their affiliated Debit/Credit/prepaid cards or digital wal let partners and then up-sell/cross sell the solution (SecQued) to their captive customers or use this tool/platform to target fresh client acquisition for their business. This will be done under a revenue share agreement for the card transaction fee and other permissible revenue accruals of the business entity with the promoter/developer and marketer of this platform.
  • cash backs or cash back points are generally utilised or redeemed by the customers again to buy additional goods and services in general and not streamlined or dedicated towards a sustainable social security or health assurance program.
  • this integrated technology platform/solution/system/utility model has to be protected under all the relevant laws of Intellectual property rights such as Patent & Copyright laws for exclusive usage rights and also to ensure prevention of COMPLETE or PARTIAL duplication or copying of this unique technology platform/solution/system/utility model.
  • 'SeQued' can be defined as a Web/Mobile based application (through a front end secured login access) intended primarily to act as a facilitation platform that provide a holistic & sustainable solution to 360 degree Health protection & Social Security needs of the people" which is optimally structured for additional wealth enhancement proportionate to the customer's 'spend transactions' for various shopping needs at offline and online stores using the payment modes provided under this platform (Debit Card/Credit Card/Pre-paid Card or Mobile/Web Digital Wallet)

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Technology Law (AREA)
  • Tourism & Hospitality (AREA)
  • Educational Administration (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Primary Health Care (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Description

COMPLETE SPECIFICATION
The invention relates to an Art, Method, Manner, Process, Procedure, Utility model designed with an objective to provide a viable Social Security option especially for the people of developing countries like India where, the Government driven social security measures are ineffective and woefully inadequate. The utility model integrates (1) Sustainable model of Preventive or Proactive Healthcare Services, (2) Health or Medical Insurance, (3) Life Insurance (which may include death & disability insurance) and (4) Retirement or Pension plans on a single service delivery platform with an obj ective to create a 'unified 360 degree voluntary (or contributory) Social Security & Health Protection Scheme" (VSSHPS), Or "Sustainable Health Assurance & Social Security Investment Platform (SHASSIP) ", hereinafter referred in this document as 'SecQlied", suitable for the subscription of both the employees of Corporate or other organized sectors as well as for the employees of unorganized sectors and other individuals.
The solution needs to be contiguously offered in concert with a Bank or Financial Institution to enable easy payment & administration process. A co-branded (bank & the solution provider) debit card or prepaid card (Like Visa, Master card etc.,) with or without a credit line or a credit card itself to be issued to the individual subscribers of the scheme by the bank through the solution provider "SecQued". The utility model also helps an individual diligently deploy this card for promptly making periodic subscription pay outs (for maintaining the healthcare service pay out, health & life insurance premiums and investments in approved retirement plans) whilst also using the card for regular shopping. Special Cash back facility is provided on this card through the solution provider's affiliated vendors on selected shopping avenues and merchandise. A part or full value of such 'cash back credits' to be used to re-invest or "top up" the insurance or pension program originally granted to the individual as part of the scheme. This helps in further enhancing the returns or value of the investment of the subscriber
The key specifications are -
• Networking Healthcare services, Insurance/ Pension products and certain Banking services (Credit/Debit/Prepaid cards and/or Digital Wallets) in a single unified digital technology platform to offer 360 degree Sustainable Social Security solution for a customer which is optimally structured for additional wealth enhancement proportionate to the customer's ' spend transactions' for various shopping needs at offline and online stores using the payment modes provided under this platform "SecQeued" Co-branded Debit Card/Credit Card/Pre-paid Card or Mobile/Web Digital Wallet).
• Optimal channelization & productive usage of cash back incentives & other monetizable incentives offered by various merchants, manufactures, banks and other related entities to a product service sale to an end buyer/user /customer exclusively into his social security investment portfolios, primarily for enhancing the kitty of retirement wealth or for securing additional health & life insurance coverage.
• Systematic Investment Plan for a person's "Social Security Investment needs" (SIP in Social Security Investments). By investing a small sum periodically (monthly/quarterly/ half yearly or yearly), an individual is able to create sufficient pool to secure his healthcare, health insurance, life Insurance and retirement needs.
• Unified tracking and monitoring solution for an individual's health & healthcare aspects, Health Insurance details, Life Insurance details/ Retirement Solution details and other Financial Investment details (optional) - This comprehensive cloud based digital platform (Web Application or Mobile Application) enables personalized secured tracking and monitoring of all these critical aspects of a person and thus helps him to lead a more secured & stress free life.
• Well defined and sustainable model of "Social Security" - Making 'continual and structured preventive healthcare' an integral part in the definition of 360 degree social security to ensure that the complete elements of Social Security are sustainable in the long run. Preventive healthcare forms a strong foundation to minimize incidence of higher claims under Health Insurance and Life Insurance cover and thus makes both these insurance coverage affordable with stable premiums for the subscribers.
• Built- in solution to ensure life time sustainability - Online self sustainable utility model coupled with periodical offline follow-up services for healthcare, insurance and pension services helps a person to perform timely actions and thus keep all his healthcare and social security programs renewed and updated
• Best fitment solution for Corporate/Industrial Employee's Social Security needs:
Employers can structure the investments in the employee's compensation packages and thus offer the "total Social Security" to it's employees with a single window coordination and processing.
Abstract:
BACKGROUND OF THE INVENTION
Social Security is generally regarded as a subject matter of "direct responsibility of the
Government". Unless the country is rich enough, (which is not the case of the majority Nations today); there are hardly any significant measures of proper State driven social security initiatives seen across the world today. Further, majority of the available solutions are today restricted within the workforce of "organized sector" while, sadly, over 80% of most of the countries employable populations are occupied in 'unorganized sectors. In most of the developing countries, penetration of insurance, pension and healthcare services are extremely low compared to developed countries. With the ever increasing rise in the cost of living coupled with the rapid growth of lifestyle diseases across the world, people become poorer year on year on account of unaffordable healthcare expenditure and lack of government sponsored social security & welfare measures.
An ideal Social Security is not about planning for or just providing for reactive contingencies such as health coverage, life insurance coverage and retirement income or pension assurance. What needs to be understood in the right perspective is the fact that "no measure of such social security will be effective & sustainable in the long run unless the core aspect of "lifestyle disease Risks" or Non-communicable disease risk are first addressed. Without a proper check & balance of the "health risks aspects of the people, "both Health Insurance and Life Insurance which are two major elements of "social security' will become unaffordable and unsustainable in the long run.
So, what we need is essentially an integrated approach which will cover Health Insurance, Life Insurance & Retirement Solution along with a "Sustainable model of preventive or proactive healthcare program" focused on eliminating or preventing or managing the world's biggest menace called -"Lifestyle Diseases".
In short, a proper 360 degree Personal Social Security can be defined as - "The need of a person to rightfully live healthy (Proactive Healthcare needs), failure of which, he should be secured or guarded against the financial burden of his hospitalization & treatments (Health Insurance needs), failure of which, the surviving family members should be secured or guarded against the possible financial loss of the key bread winner of the family on account of his untimely demise (Life Insurance needs) AND at the survival phase of all these, the larger need of the individual to gracefully age and maintain a healthy and financially secured retirement life - (Retirement Income/Pension needs)
As of now, we do not have a proper facilitation platform that integrates all the above mentioned 4 major elements under a unified access point. "SecQued" is an innovation perfectly addressing this specific need.
Government collects taxes and other levies from the people which are then apportioned across the State's various developmental & welfare activities. But at an individual's level, it is difficult to make a direct correlation of such welfare accruals to a person specifically in relation to his/her social security aspects such as healthcare, health insurance, life insurance & retirement earnings.
"SecQued" in other words is a "self imposed levy/tax on a person, voluntarily thrust upon himself, the complete benefits of which can be directly attributable, identifiable and quantifiable against his own welfare measures covering his proactive healthcare needs, health & life insurance needs and retirement needs.
Sustainability is the foundation for the success of any social security investment program. Challenge is more when it comes to maintain persistency of regular and disciplined investments though small in nature, for long term tenure. There needs to be a proper "Incentivization" to promote this behavior. "SecQued" addresses this aspect through a highly innovative plough back concept of "cash backs" and other monetization benefits, made as an integral part of this solution.
One of the definite actions every individual perform invariably to make his living is to "spend the money" that he/she earns, the outer limit of which, is only defined by the quantum of his earnings. 'SecQued' creatively incentivize these spending and generates a parallel funnel with "Cash back or Other Monetization programs at the merchant's end" which is then productively channelized and utilized to enhance the wealth of the person (such as re-investment or 'top up" in his personal pension plan ) or to maintain/enhance healthcare services or health or life insurance coverage brought under the unified platform. Background - Some Statistics. (Specific reference given for Indian demography, representing developing nations) -Why do we need an Effective, Viable and Alternative Social Security platform? s Young Nation
Every third person in an Indian city today is a youth, the median individual in India will soon be 29 years, very likely a cit -dweller, making it the youngest country in the world. By 2020, India is set to become the world's youngest country with 64 per cent of its population in the working age group. This invariably emphasizes the need to have in place a proper sustainable solution for individual's health assurance & social security needs. It will be highly unaffordable and
Impractical for a Government of a developing nation like India to make an adequate budget allocation to cover this requirements. Hence we need to evaluate the alternative solutions to address this critical need.
■ Non Communicable/Lifestyle disease:
■ Growing at an alarmingly epidemic proportion - accounts for over 70% of deaths worldwide.
■ The World health Organization (WHO) has identified India as one of the nations that is going to have most of the lifestyle disorders in the near future.
■ Account for over 75% of total healthcare spent, making health insurance & Healthcare services unaffordable
■ Over 70% of healthcare cost is met by the families out of their own pocket.
More and more people are pushed into poverty every year
■ Causing gross welfare loss of over 12% of India's GDP translating into approximately
$250bln a year!
■ Status of Health Insurance/Life Insurance & Retirement schemes in India
■ Only 17% of the country's population is covered by some means of Health
Insurance; of which close to 90% is Government sponsored & Group schemes.
■ Country's total insurance penetration is way below the global average
(3.9% of GDP - Both Life & General Insurance)
■ Of the 400 million working age Indians, less than 12% are covered
by some form of retirement benefit scheme.
■ 93% of the working class falls in unorganized sectors with an apprx. number
of around 370 M lns.
Till date, there is no such exclusive, dedicated and integrated system or platforms available in the world which combines all elements of an ideal social security investment needs and offer 360 degree Sustainable Social Security solution for an individual which is optimally designed and structured for additional 'free or bonus earnings' proportionate to the customer's 'spend transactions' for his various shopping needs at offline and online stores using the payment modes provided under this platform(Debit Card/Credit Card/Pre-paid Card or MobileAVeb Digital Wallet) and productively routed back to the customer towards his social security wealth enhancement. The business entities or authorised agents can use this platform to integrate and link their affiliated insurance/pension programs as well as their affiliated Debit/Credit/prepaid cards or digital wal let partners and then up-sell/cross sell the solution (SecQued) to their captive customers or use this tool/platform to target fresh client acquisition for their business. This will be done under a revenue share agreement for the card transaction fee and other permissible revenue accruals of the business entity with the promoter/developer and marketer of this platform. As of now, cash backs or cash back points are generally utilised or redeemed by the customers again to buy additional goods and services in general and not streamlined or dedicated towards a sustainable social security or health assurance program. The larger potential or power of optimally channelizing "Cash Back or other monetization benefits" accrued out of a person's "Spend transactions" in sustaining & enhancing his/her long term wealth creation under his retirement or personal pension plans has not been specifically identified, utilized and programmed by any entities as part of either a total or partial social security investment program/platform. Similarlly, the larger potential power of optimally channelizing "Cash Back or other monetization benefits" in sustaining & enhancing a person's long term health insurance & life insurance or any such systematic investment program (SIP) in mutual funds or unit linked or non-unit linked insurance needs has not been specifically identified, utilized and programmed by any entities as part of either a total or a partial social security investment program/platform.
So, this integrated technology platform/solution/system/utility model has to be protected under all the relevant laws of Intellectual property rights such as Patent & Copyright laws for exclusive usage rights and also to ensure prevention of COMPLETE or PARTIAL duplication or copying of this unique technology platform/solution/system/utility model.
SUMMARY OF THE INVENTION
• 'SeQued' can be defined as a Web/Mobile based application (through a front end secured login access) intended primarily to act as a facilitation platform that provide a holistic & sustainable solution to 360 degree Health protection & Social Security needs of the people" which is optimally structured for additional wealth enhancement proportionate to the customer's 'spend transactions' for various shopping needs at offline and online stores using the payment modes provided under this platform (Debit Card/Credit Card/Pre-paid Card or Mobile/Web Digital Wallet)

Claims

I claim: l. A confluence of a unique art, a customized method, effective and
viable manner coupled with innovative industrial applications and digital technology to set up a utilitarian
platform/solution/system/model illustrated under Figures 1 with capability to provide exclusive, dedicated and integrated solutions illustrated under Figure 2 which combines all elements for an ideal social security system that offers a Three Hundred and Sixty Degree perspective and solution with further spin offs of earning concessions and money back advantages on spendings illustrated under Figure 3 with a competitive advantage over the prior art that is illustrated in Figure 4.
2. A confluence of a unique Art, a customized method, effective and viable manner coupled with innovative industrial applications and digital technology to set up. a utilitarian platform/solution/system/model that facilitates and links existing Business to Business (B2B) capabilties and strengths to create synergies in business operations for these entities and customization of their existing products and services with spin offs of new products and services that can be marketed or offered to Banks, Insurance brokers, Corporates & retail insurance agents and other Financial Service entities.
3. A confluence of a unique Art, a customized method, effective and
viable manner coupled with innovative industrial applications and digital technology to set up a utilitarian
platform/solution/system/model that enables 'utilisation concept, methods & process' of "Spend Incentives" such as Cash backs & other monetization plans" as illustrated in Figure 3 to deliver more benefits productively to sustain & enhance health & wealth investments offered under a dedicated social security solution platform as comparitively illustrated in Figure 4.
4. A confluence of a unique Art, customised method, effective and viable manner coupled with innovative industrial applications and digital technology to set up a utilitarian plat form /solution/system/model that combines any one of or all of or combinations of the four essential elements of Social Security Programs (ie. (1) Preventive Healthcare, (2) Heath Insurance, (3) Life Insurance, (4)
Retirement/Pension Investment Solutions) with certain banking or financial services products (credit/debit/prepaid cards and /or digital wallets) and defines a utilisation method and process of the "Spend Incentives" such as cash backs and or other monetization credits earned through the use of these cards or wallets for both online and offline shopping, for the application or utilisation directly into either for the sustenance of Insurance or pension plans (towards payment of regular premiums or instalments du) or for the additional investment or enhancement of the wealth accumulation under such insurance or retirement plans (other that that of the perioical premium or instalements-say additional top-up investments) availed by the customer fro any government owned insurance or pension
management entities (for eg: National Pension System in India) or from other private insurance or pension business entities
EP16810022.0A 2016-08-10 2016-08-10 An innovative art, method, manner, process, procedure and industrial application for a utilitarian model for the general public to integrate preventive healthcare services, health or medical insurance, life insurance and retirement or pension plans synergistically with payment service options such as debit card, credit cards, prepaid cards or digital wallets of banks or financial institutions on a single service delivery facilitation platform with an objective to create a 'unified 360 degree voluntary (or contributory) "social security&health protection scheme" (vsshps), which may alternatively be referred (among many other possible combination terminologies) to as "sustainable health assurance&social security investment platform (also referred to as "shassip" and further shortened by a coined word mark "secqued Withdrawn EP3335184A2 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IB2016/054800 WO2017025898A2 (en) 2015-08-10 2016-08-10 An innovative art, method, manner, process, procedure and industrial application for a utilitarian model for the general public to integrate preventive healthcare services, health or medical insurance, life insurance and retirement or pension plans synergistically with payment service options such as debit card, credit cards, prepaid cards or digital wallets of banks or financial institutions on a single service delivery facilitation platform with an objective to create a 'unified 360 degree voluntary (or contributory) "social security & health protection scheme" (vsshps), which may alternatively be referred (among many other possible combination terminologies) to as "sustainable health assurance & social security investment platform (also referred to as "shassip" and further shortened by a coined word mark "secqued

Publications (1)

Publication Number Publication Date
EP3335184A2 true EP3335184A2 (en) 2018-06-20

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Application Number Title Priority Date Filing Date
EP16810022.0A Withdrawn EP3335184A2 (en) 2016-08-10 2016-08-10 An innovative art, method, manner, process, procedure and industrial application for a utilitarian model for the general public to integrate preventive healthcare services, health or medical insurance, life insurance and retirement or pension plans synergistically with payment service options such as debit card, credit cards, prepaid cards or digital wallets of banks or financial institutions on a single service delivery facilitation platform with an objective to create a 'unified 360 degree voluntary (or contributory) "social security&health protection scheme" (vsshps), which may alternatively be referred (among many other possible combination terminologies) to as "sustainable health assurance&social security investment platform (also referred to as "shassip" and further shortened by a coined word mark "secqued

Country Status (1)

Country Link
EP (1) EP3335184A2 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116805175A (en) * 2023-06-02 2023-09-26 中哲国际工程设计有限公司 Medical care building operation and maintenance management system based on CIM technology

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116805175A (en) * 2023-06-02 2023-09-26 中哲国际工程设计有限公司 Medical care building operation and maintenance management system based on CIM technology
CN116805175B (en) * 2023-06-02 2023-12-26 中哲国际工程设计有限公司 Medical care building operation and maintenance management system based on CIM technology

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