Difference between pages "Insurance sector" and "Pressure sensitive adhesives"

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==Rationale==
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==Dashboard==
* Financial markets are a part of the changing business paradigms, across the globe - G. N. Bajpai
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Dolcera dahsboard provides quick and easy navigation through the technology segments. Below is the snapshot of how it look like. Click on the link [http://client.dolcera.com/dashboard/dashboard.html?workfile_id=262 '''Dolcera Dashboard'''] for Pressure Sensitive Adhesives.  
* Today, globalization of competencies, thinking and perspectives has been the part of Strategic Action Plan of all the major players in the financial markets, globally - G. N. Bajpai
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* "The focus over the last year has been around proving the value of IT as a key contributor to business success," - David Holtzman
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* Real-time documents provide faster time to market with a personal touch - Penn National Insurance
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==Search Strategy==
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[http://client.dolcera.com/dashboard/dashboard.html?workfile_id=262 '''Dolcera Dashboard''']
'''Search date:''' 14 Sept, 2006
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'''Database''': Micropatent (PatSearch Fulltext)
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[[image:dashboard.jpg|center|500 px]]
  
'''Search Strings, Hits & Scope:'''
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==Overview==
 +
Pressure sensitive adhesive (PSA, self adhesive, self stick adhesive) is adhesive that forms a bond when pressure is applied to marry the adhesive with the adherend. No solvent, water, or heat is needed to activate the adhesive. It is used in pressure sensitive tapes, labels, note pads, automobile trim, and a wide variety of other products.
  
* '''Search I'''
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As the name "pressure sensitive" indicates, the degree of bond is influenced by the amount of pressure which is used to apply the adhesive to the surface.
** Query: (Life) AND (Insurance OR Reinsurance OR Polic* OR Annuit*)  - 532 hits
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** Search scope – Title, Abstract & Claims, Date - 2000 till date
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** Databases: US, EP, WO, JP, DE, GB and FR (common for all)
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* '''Search II'''
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** Query: (computer) and (Insurance OR Reinsurance) and (Polic* OR Annuit*) – 511 hits
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** Search scope – Title, Abstract & Claims, Date 1991 till date
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* '''Search III'''
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** Query: (Insurance OR Reinsurance OR polic* or Annuit*) limited by assignee (Insurance OR Bank) – 345 hits
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** Search scope – Title, Abstract & Claims, Date – 1991 till date – 345 hits
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* Total # of records  -  Search I + Search II + Search III = 1239 (excluding duplicates and family members but includes off-target)
+
  
'''Note:''' ''All search hits exclude family members and duplicate patent records''
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Surface factors such as smoothness, surface energy, removal of contaminants, etc. are also important to proper bonding.
----
+
  
==Market data - Insurance sector==
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PSAs are usually designed to form a bond and hold properly at room temperatures. PSAs typically reduce or lose their tack at cold temperatures and reduce their shear holding ability at high temperatures: Specialty adhesives are made to function at high or low temperatures. It is important to choose an adhesive formulation which is designed for its intended use conditions.
* Insurance and risk management is an immense global industry. In America alone, the insurance business employs about 2.5 million people<br>
+
* Life and health insurance in the United States will be about a $725 billion in gross revenues business in 2006, compared to only about $500 billion in 2002<br>
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* U.S. life insurance firms hold about $3.8 trillion in assets<br>
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* Personal lines comprise another vast sector of insurance. For example, private passenger automobile insurance will be about a $172 billion annual premium market in the U.S. for 2006<br>
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* Homeowners insurance is about a $50 billion market<br>
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* Property and Casualty insurance premiums will total about $450 billion in the U.S. for 2006
+
  
==Year wise IP activity==
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===Surface Energy===
* Graph depicts IP activity based on publication year
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[[Image:Surface energy.jpg|thumb|right|800|Measuring of Surface Energy]]
* 866 patents filed in a span of 16 years (1991 - 15th Sept, 2006). Out of which 792 patents filed in last 7 years
+
# Surface energy is a measure of how well an adhesive wets out over the surface of the material to which it is applied.
* Trend indicates high IP activity during 2002 followed by sudden fall during 2003, since then recovering gradually
+
# The most common method of determining the surface energy is to measure the contact angle of a water droplet on the substrate surface.
 +
# The contact angle between the solid and the fluid is the angle measured within the fluid, between the solid surface and the tangent plane to the liquid surface at the point of intersection.
 +
# A contact angle of greater than 90° indicates that the fluid (which is ink or adhesive in this case) has not wet the surface. Conversely an angle of less than 90° means that the fluid has wet the surface - if the angle approaches zero then the surface is completely wetted by the fluid.
 +
# The surface energy or the wetability of a particular substrate is measured in dynes/cm. [http://images.google.com/imgres?imgurl=http://www.pcn.org/images/Technical%2520Notes%2520-%2520Corona1.jpg&imgrefurl=http://www.pcn.org/Technical%2520Notes%2520-%2520Corona.html&h=327&w=370&sz=13&hl=en&start=2&um=1&tbnid=Nb4kgRrPYnxojM:&tbnh=108&tbnw=122&prev=/images%3Fq%3Dsurface%2Benergy%26svnum%3D10%26um%3D1%26hl%3Den%26sa%3DX Source]
 +
===Low Surface Energy Substrates===
 +
# Low energy plastics, such as polypropylene (PP), polyethylene (PE) and Teflon (PTFE) are essentially "non- stick" plastics.
 +
# Their molecular structure inhibits the adhesion and printing processes - this molecular structure is basically inert or inactive – these polymers are said to have a low surface energy.
 +
# Materials with low surface energy (LSE) do not allow adhesives to wet out, while materials with high surface energy (HSE) provide excellent wet-out, providing the best adhesion.
 +
# Rubber-based adhesives usually provide better adhesion to LSE surfaces.
 +
# Some substrates require special treatment such as corona treating, primers, top coating, etc., in order to achieve better adhesion.
 +
# On some LSE substrates, adhesion levels improve the longer adhesive is applied. [http://www.chemsultants.com/latestprods/adhesive_definitions.html Source]
  
[[Image:PUYear.png|thumb|center|600 px|Assignee wise IP activity]]
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===Adhesion===
 +
[[Image:Adhesionnew.jpg|thumb|right|800|Adhesion]]
 +
# Adhesion is the molecular force of attraction between unlike materials.
 +
# Adhesion and cohesion, attractive forces between material bodies. A distinction is usually made between an adhesive force, which acts to hold two separate bodies together (or to stick one body to another) and a cohesive force, which acts to hold together the like or unlike atoms, ions, or molecules of a single body.
 +
# For example water molecules stick to each other. This is caused by hydrogen bonds that form between the slightly positive and negative ends of neighboring molecules.
 +
# Water is found in drops; perfect spheres. It’s hard to imagine water behaving any other way due to cohesion and water molecules stick to other surfaces due to adhesion.[http://images.google.com/imgres?imgurl=http://www.ccs.k12.in.us/chsBS/kons/kons/images/water-droplet.jpg&imgrefurl=http://www.ccs.k12.in.us/chsBS/kons/kons/physical_properties_of_water.htm&h=168&w=238&sz=15&hl=en&start=4&tbnid=UrmkX2TGv_os2M:&tbnh=77&tbnw=109&prev=/images%3Fq%3Dwater%2Badhesion%26gbv%3D2%26svnum%3D10%26hl%3Den%26sa%3DG Source]
  
==Assignee wise IP activity==
+
===Pressure Sensitive Adhesive(PSA)===
* Graph depicts assignee and number of patents to their credit
+
# Pressure sensitive adhesives are adhesives that adhere to a variety of substrates when applied with pressure.
*  MITSUI SUMITOMO INSURANCE leading in IP activity race with 60 patents to its credit, followed by TOKIO MARINE & FIRE INSURANCE with 49 and AIOI INSURANCE with 23 patent records to their credit
+
# The primary mode of bonding for a pressure sensitive adhesive is not chemical or mechanical but polar attraction to the substrate surface.
 +
# Applied pressure is necessary in order to achieve sufficient wet-out onto the substrate surface to provide adequate adhesion. [http://www.chemsultants.com/latestprods/adhesive_definitions.html Source]
  
<gflash>800 600 http://www.dolcera.com/website/assets/Insurance_Assigneewise_IPactivity.swf</gflash>
 
  
'''Note''': Below mentioned assignees patents added together and presented as one in above graph
+
[[image: Sealeant in adhesive.jpg|center|500 px]]
* SUMITOMO LIFE INSURANCE and MITSUI SUMITOMO INSURANCE is presented as MITSUI SUMITOMO INSURANCE
+
* GE MORTGAGE HOLDINGS and GE FINANCIAL ASSURANCE HOLDING is presented as GE FINANCIAL ASSURANCE HOLDING
+
* NICHIDO FIRE & MARINE INSURANCE , TOKIO MARINE AND FIRE INSURANCE , TOKIO MARINE & NICHIDO LIFE  INSURANCE , TOKIO MARINE & NICHIDO FIRE INSURANCE and  TOKIO MARINE & FIRE INSURANCE is presented as TOKIO MARINE & FIRE INSURANCE
+
* NIPPONKOA INSURANCE , NIPPON ELECTRIC and NIPPON LIFE INSURANCE is presented as NIPPON LIFE INSURANCE
+
  
==Country wise IP activity==
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==Market Information==
* Graph indicates IP activity based on priority country
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* According to a report from the Business Communications Company, the 2001 US market for specialty adhesives was about $5.7 billion, and is forecast to grow at 4.3% per year, with medical and dental applications being the fastest-growing sector at 5.9% per year. [http://www.marketfile.com/print/paint/title5/index.htm Source]
* United States with 506 patent records is the most happening destination for insurance related IP activities followed by Japan (314) and Australia (9)
+
* Frost and Sullivan report the size of the European PSA market (medical and non-medical) to be $620 million in 2000, forecast to grow to $796 million in 2007. [http://www.engineeringtalk.com/news/fro/fro122.html Source]
* [[Country code]]
+
* The world value of the overall adhesives market is estimated at US $22 billion.
 +
* '''Total Market Expected to Grow at a CAGR of 9 Percent''': The U.S. PSA markets for labels and narrow-web graphics is expected to growth with a CAGR of 9 percent during the years 2006–2012. The total U.S. PSA markets for labels and narrow-web graphics unit shipments are expected to continue to growth at a CAGR of 6.6 percent due to high end-user growth. The UV technology is a new technology that have started to receive wide acceptance in the industry and that segment of the industry is a fragmented and developing segment with growth rates in double digits. While the solvent-based PSAs are expected to show decreasing growth percents, the water-based and solvent-based segments are expected to growth in the lines of the total industry. [http://www.frost.com/prod/servlet/report-brochure.pag?id=F652-01-00-00-00 Source]
  
<gflash>800 450 http://www.dolcera.com/website/assets/Insurance_Countrywise_IPactivity.swf</gflash>
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* According to '''World Adhesives File 2000-2005''', the leading handful of adhesives suppliers, including pressure sensitive companies, already controlled almost half the global market in 1999. Henkel leads the way with an estimated 12% global market share, which will probably increase to around 14% with the purchase of Dexter’s adhesives interests. Pressure sensitive suppliers 3M and Avery Dennison are ranked second and third, with 9% and 7% shares respectively, followed jointly by National Starch and H.B. Fuller — both at 6%. The newly enlarged Atofina and Rohm and Haas follow closely behind.” [http://answers.google.com/answers/threadview?id=60487 Source]
 +
* Growth of the world market averages about 2-3% per year.
 +
* Packaging adhesives make up the majority of the market.
 +
* The electronic and medical adhesives market is currently experiencing the most rapid growth.
  
==Insurance type - Overall==
+
* Market leaders by country are as follows:
[[image:poverall.png|center|600 px|thumb|Types of insurance]]
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** United States - approximately 2.6 tonnes annually
 +
** China
 +
** Japan
 +
** Germany
 +
** UK [[image:players_logo.jpg|right|500 px]]
 +
* Market leaders by company(which account for one-third of the market share)  are:
 +
** Henkel
 +
** 3M
 +
** Avery Denison
 +
** HB Fuller
 +
** National Starch
 +
** Atofina
  
==Distribution of assignees in the top ten domains==
+
==Intellectual Property==
  
[[Image:Domain-Assigneep.png|thumb|center|700 px|Distribution of assignees in the top ten domains]]
+
===Patent Search Table===
 +
{|border="1" cellspacing="0" cellpadding="4" width="100%"
 +
|colspan = "5"|
 +
* Patent search on Micropat
 +
* Databases searched: '''USG USA EPA EPB WO JP DEG DEA DET DEU GBA FRA'''
 +
|-
 +
|bgcolor = "#FFFF99"|'''Query.No.'''
 +
|bgcolor = "#FFFF99"|'''Searched Sections'''
 +
|bgcolor = "#FFFF99"|'''Years Searched'''
 +
|bgcolor = "#FFFF99"|'''Query'''
 +
|bgcolor = "#FFFF99"|'''Hits'''
 +
|-
 +
|1
 +
|Claims, Title or Abstract
 +
|1836 – Date
 +
||(rubber OR acryl* OR silicone OR oil*1 OR resin*1 OR ethylen* OR isoprene OR terpene OR copolymer* OR vinyl* OR siloxane* ((acid OR anhydride) ADJ1 (acrylic OR crotonic OR (vinyl ADJ1 acetic) OR fumaric OR maleic OR malonic OR succinic OR itaconic OR citraconic)) OR polymer* OR styrene OR ester*) SAME (((pressure ADJ1 sensitive) NEAR2 (adhesive* OR glue OR paste OR (binding ADJ1 agent) OR (epoxy ADJ1 resin*) OR film) OR PSA OR PSAs) OR (adhesion* WITH (peel OR tensile OR shear) OR stick*) OR (radical* ADJ1 (initiator* OR maker*)))
 +
|76006
 +
|-
 +
|2
 +
|Claims, Title or Abstract
 +
|1836 – Date
 +
|(((low ADJ surface ADJ energy) WITH (substrate*1 OR polymer OR compound* OR material OR film)) OR (surface ADJ1 tension) OR (surface ADJ1 rough*) OR viscosity OR (oily ADJ surface) OR (low ADJ1 energy ADJ1 surface*)) AND (polyolefin*1 OR polyethylene*1 OR polypropylene*1 OR (polyvinyl ADJ1 chloride ADJ1 film) OR (oil ADJ1 contaminated ADJ1 metal) OR polybutene OR polyisoprene*1 OR (polyvinylidene ADJ1 fluoride*) OR polytetrafluoroethylene*1 OR polyester*1 OR polyamide*1 OR polyacetal*1 OR polystyrene*1 OR polyurethane* OR polyurea OR silan* OR polycarbonate*)
 +
|75602
 +
|-
 +
|3
 +
|Claims, Title or Abstract
 +
|1836 – Date
 +
|1 AND 2
 +
|2272
 +
|-
 +
|}
 +
* Total number of patents - 2272
 +
* Total number of unique patent families - 1483
  
==Top five domains and the foreign filing trends==
+
===Taxonomy for analysis===
[[image:Chart-Country-domain.png|center|600 px|thumb|Top five domains and the foreign filing trends]]
+
[[Image:adhesion-3Mnew2.jpg|thumb|center|800px|Taxonomy map - Adhesion]]
  
==Foreign filing trends of top players==
+
===Taxonomy for PSA composition===
* The chart information is based on patent family members and not based on priority country filing
+
[[Image:adhesion-final version.jpg|thumb|center|800px|Taxonomy map - Adhesion]]
[[image:Country-Assigneep.png|center|600 px|thumb|Country-Assignee]]
+
  
==Trend in least and most crowded domains==
+
===IP Activity===
[[Image:domain-filingdatep.png|thumb|center|800 px|Trend in least and most crowded domains]]
+
[[image:Priority year_PSA.jpg|center|600 px|thunb|Competitors]]
  
==Distribution of analyzed patents - Based on insurance type==
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===Major Competitors===
* 95 patents out of 866 randomly picked for analysis and categorized based on type of insurance, number in () indicates # of patent records
+
[[image:competitors_PSA.jpg|center|600 px|thunb|Competitors]]
* For definitions follow the  [[link]]
+
* '''Trend - Top insurance filing sectors'''
+
** Maximum number of patents file under life insurance category (39) followed by
+
** Automobile insurance (25) and
+
** Property insurance (7)
+
[[Image:final95p.png|thumb|center|600 px|Distribution of patents - Level-I Analysis]]
+
  
==Distribution of patents - Based on activity==
+
===Composition components matrix===
* Above 95 patents further analyzed for more granularity to project various patterns involved
+
{|border="2" cellspacing="0" cellpadding="4" width="100%"
* '''Trend based on various activities under insurance: '''  
+
|align = "center" bgcolor = "#C0C0C0"|'''Assignees'''
** Maximum patent filed on administrative services (24) followed by
+
|align = "center" bgcolor = "#C0C0C0"|'''Rubber'''
** Sales force technology (32)
+
|align = "center" bgcolor = "#C0C0C0"|'''Silicone'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Polymers'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Acrylic'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Tackifying resin'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Plasticizer oil'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Carboxylic acids'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Acid Esters'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Priority Year'''
 +
|align = "center" bgcolor = "#C0C0C0"|'''Patent numbers'''
 +
|-
 +
|rowspan = "3"|3M Innovative Properties Company
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
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|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|2000
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6630531 US6630531]</u></font>
 +
|-
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
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|align = "center"|x
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|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|2000
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6632872 US6632872]</u></font>
 +
|-
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|2000
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6455634 US6455634]</u></font>
 +
|-
 +
|American Tape Company
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
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|align = "center"|&nbsp;
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|1997
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5798175 US5798175]</u></font>
 +
|-
 +
|Ashland Oil, Inc.
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1991
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5434213 US5434213]</u></font>
 +
|-
 +
|rowspan = "4"|Atlantic Richfield Company
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1984
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=4656213 US4656213]</u></font>
 +
|-
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1996
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5817426 US5817426]</u></font>
 +
|-
 +
|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1996
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5817426 US5817426]</u></font>
 +
|-
  
[[Image:IA95.jpeg|thumb|center|750 px|Distribution of patents - Categorization - Level-II Analysis]]
+
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1997
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6461707 US6461707]</u></font>
 +
|-
 +
|Coloplast
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1980
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6437038 US6437038]</u></font>
 +
|-
 +
|rowspan = "5"|Dow Corning Corporation
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1970
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5916981 US5916981]</u></font>
 +
|-
 +
|&nbsp;
 +
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1990
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6337086 US6337086]</u></font>
 +
|-
  
==Overall Trend - Based on insurance sector and respective activities==
+
|&nbsp;
'''Automobile Insurance'''
+
|align = "center"|x
* Customize insurance policy and customized  insurance premium for different cars and people
+
|align = "center"|&nbsp;
* Keeping uninsured from driving
+
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1990
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6121368 US6121368]</u></font>
 +
|-
  
'''Casualty insurance'''
+
|align = "center"|&nbsp;
* Automatic accident reporting system of an insured person
+
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1994
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5561203 US5561203]</u></font>
 +
|-
  
'''Health insurance'''
+
|align = "center"|&nbsp;
* Pharmacy benefits calculator – selects a cost effective insurance plan form the group of plans
+
|align = "center"|x
 +
|align = "center"|x
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|align = "center"|&nbsp;
 +
|1996
 +
|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5861472 US5861472]</u></font>
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|-
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|Exxon Chemical Patents Inc.
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|1993
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5714254 US5714254]</u></font>
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|-
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|Fujikura Ltd.
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|2000
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6388556 US6388556]</u></font>
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|-
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|General Electric Company
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|2000
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6387487 US6387487]</u></font>
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|-
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|H Fuller Licensing & Financing, Inc.
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|1996
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5741840 US5741840]</u></font>
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|-
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|H. B. Fuller Licensing & Financing, Inc.
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|1997
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5869562 US5869562]</u></font>
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|-
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|Johnson & Johnson Products Inc.
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|1981
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=4335026 US4335026]</u></font>
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|-
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|rowspan = "2"|Minnesota Mining and Manufacturing Company
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|1993
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5602221 US5602221]</u></font>
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|1993
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5612136 US5612136]</u></font>
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|-
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|Nichiban Company Limited
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|1997
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=6274235 US6274235]</u></font>
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|-
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|None
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|1996
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|<font color="#0000FF"><u>[http://appft1.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PG01&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.html&r=1&f=G&l=50&s1=%2220030136510%22.PGNR.&OS=DN/20030136510&RS=DN/20030136510 US20030136510]</u></font>
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|PPG Industries, Inc.
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|1996
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5776548 US5776548]</u></font>
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|-
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|Ralf Korpman Associates, Inc.
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|1992
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|<font color="#0000FF"><u>[http://patft.uspto.gov/netacgi/nph-Parser?patentnumber=5760135 US5760135]</u></font>
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|-
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|}
  
'''Life Insurance'''
+
===Technology Tree===
* Annuity – Automated benefit scheme administration apparatus
+
* Package – Selling other services (funeral plan) along with life insurance
+
* Retirement – Computer based retirement planning and income arrangement system
+
  
'''Property insurance'''
+
As it is evident from the the technology tree below, although the IP activity in the area of Pressure sensitive adhesive was initiated during 1970s, companies are continuously trying new combinations of different components.
* GPS Mobile insurance system – Monitoring current location and condition
+
[[image:Technology tree.jpg|center|500 px]]
  
==Insurance type Vs assignee and their activities==
+
==Key findings==
'''Automobile insurance'''
+
* In the medical field, pressure-sensitive adhesive tapes are used for many different applications in the hospital and health areas and also they can be used to adhere two surfaces together such as the flaps of packing material or fabric to a surface
 +
* In many commercial applications of pressure-sensitive adhesives, it would be preferred to use an acrylate polymer or copolymer having an intrinsic viscosity of at least about 2.5 dl/g
 +
* Ideally, a process for producing an acrylate-based polymer for a pressure-sensitive adhesive provides a means for controlling both molecular weight, i.e., intrinsic viscosity, and molecular weight distribution.
 +
* Pressure-sensitive adhesives require a delicate balance of viscous and elastic properties that result in a four-fold balance of adhesion, cohesion, stretchiness and elasticity. Pressure-sensitive adhesives generally comprise elastomers that are either inherently tacky, or elastomers or thermoplastic elastomers that are tackified with the addition of tackifying resins.
  
[[Image:Automobile1.png|thumb|center|750 px|Automobile insurance - Assignee wise patent distribution]]
+
==Analysis Sheet==
 +
[[Media:Sample analysis sheet.xls|Sample Analysis Sheet]]
  
'''Life insurance'''
 
 
[[Image:Life_Insurance.png|thumb|center|750 px|Life insurance - Assignee wise patent distribution]]
 
 
'''Casualty + Health + Credit + Intellectual property and Financial loss insurance - Presented together'''
 
 
[[Image:Combined.png|thumb|center|750 px|Assignee wise patent distribution]]
 
 
===SWOT Analysis - Insurance sector===
 
 
[[Image:SWOT.jpg|thumb|center|750 px|SWOT analysis of insuance sector]]
 
 
----
 
[[Media:Insurance_Analysis.xls]] - Spreadsheet of 866 records <br>
 
[[Media:Insurance_Analysis_-_95_Records.xls]] - Spreadsheet of 95/866 analyzed reocrds
 
  
 
==Contact Dolcera==
 
==Contact Dolcera==
  
'''Samir Raiyani'''
+
{| style="border:1px solid #AAA; background:#E9E9E9" align="center"
 
+
|-
'''201 A South Delaware St. #306'''
+
! style="background:lightgrey" | Samir Raiyani
'''San Mateo, CA 94401 USA'''
+
|-
'''Phone: +1-650-269-7952'''
+
| '''Email''': [mailto:info@dolcera.com info@dolcera.com]
'''Fax: +1-866-690-7517'''
+
|-
'''info@dolcera.com'''
+
| '''Phone''': +1-650-269-7952
 +
|}

Revision as of 00:17, 30 April 2009

Dashboard

Dolcera dahsboard provides quick and easy navigation through the technology segments. Below is the snapshot of how it look like. Click on the link Dolcera Dashboard for Pressure Sensitive Adhesives.

Dolcera Dashboard

Dashboard.jpg

Overview

Pressure sensitive adhesive (PSA, self adhesive, self stick adhesive) is adhesive that forms a bond when pressure is applied to marry the adhesive with the adherend. No solvent, water, or heat is needed to activate the adhesive. It is used in pressure sensitive tapes, labels, note pads, automobile trim, and a wide variety of other products.

As the name "pressure sensitive" indicates, the degree of bond is influenced by the amount of pressure which is used to apply the adhesive to the surface.

Surface factors such as smoothness, surface energy, removal of contaminants, etc. are also important to proper bonding.

PSAs are usually designed to form a bond and hold properly at room temperatures. PSAs typically reduce or lose their tack at cold temperatures and reduce their shear holding ability at high temperatures: Specialty adhesives are made to function at high or low temperatures. It is important to choose an adhesive formulation which is designed for its intended use conditions.

Surface Energy

Measuring of Surface Energy
  1. Surface energy is a measure of how well an adhesive wets out over the surface of the material to which it is applied.
  2. The most common method of determining the surface energy is to measure the contact angle of a water droplet on the substrate surface.
  3. The contact angle between the solid and the fluid is the angle measured within the fluid, between the solid surface and the tangent plane to the liquid surface at the point of intersection.
  4. A contact angle of greater than 90° indicates that the fluid (which is ink or adhesive in this case) has not wet the surface. Conversely an angle of less than 90° means that the fluid has wet the surface - if the angle approaches zero then the surface is completely wetted by the fluid.
  5. The surface energy or the wetability of a particular substrate is measured in dynes/cm. Source

Low Surface Energy Substrates

  1. Low energy plastics, such as polypropylene (PP), polyethylene (PE) and Teflon (PTFE) are essentially "non- stick" plastics.
  2. Their molecular structure inhibits the adhesion and printing processes - this molecular structure is basically inert or inactive – these polymers are said to have a low surface energy.
  3. Materials with low surface energy (LSE) do not allow adhesives to wet out, while materials with high surface energy (HSE) provide excellent wet-out, providing the best adhesion.
  4. Rubber-based adhesives usually provide better adhesion to LSE surfaces.
  5. Some substrates require special treatment such as corona treating, primers, top coating, etc., in order to achieve better adhesion.
  6. On some LSE substrates, adhesion levels improve the longer adhesive is applied. Source

Adhesion

Adhesion
  1. Adhesion is the molecular force of attraction between unlike materials.
  2. Adhesion and cohesion, attractive forces between material bodies. A distinction is usually made between an adhesive force, which acts to hold two separate bodies together (or to stick one body to another) and a cohesive force, which acts to hold together the like or unlike atoms, ions, or molecules of a single body.
  3. For example water molecules stick to each other. This is caused by hydrogen bonds that form between the slightly positive and negative ends of neighboring molecules.
  4. Water is found in drops; perfect spheres. It’s hard to imagine water behaving any other way due to cohesion and water molecules stick to other surfaces due to adhesion.Source

Pressure Sensitive Adhesive(PSA)

  1. Pressure sensitive adhesives are adhesives that adhere to a variety of substrates when applied with pressure.
  2. The primary mode of bonding for a pressure sensitive adhesive is not chemical or mechanical but polar attraction to the substrate surface.
  3. Applied pressure is necessary in order to achieve sufficient wet-out onto the substrate surface to provide adequate adhesion. Source


Sealeant in adhesive.jpg

Market Information

  • According to a report from the Business Communications Company, the 2001 US market for specialty adhesives was about $5.7 billion, and is forecast to grow at 4.3% per year, with medical and dental applications being the fastest-growing sector at 5.9% per year. Source
  • Frost and Sullivan report the size of the European PSA market (medical and non-medical) to be $620 million in 2000, forecast to grow to $796 million in 2007. Source
  • The world value of the overall adhesives market is estimated at US $22 billion.
  • Total Market Expected to Grow at a CAGR of 9 Percent: The U.S. PSA markets for labels and narrow-web graphics is expected to growth with a CAGR of 9 percent during the years 2006–2012. The total U.S. PSA markets for labels and narrow-web graphics unit shipments are expected to continue to growth at a CAGR of 6.6 percent due to high end-user growth. The UV technology is a new technology that have started to receive wide acceptance in the industry and that segment of the industry is a fragmented and developing segment with growth rates in double digits. While the solvent-based PSAs are expected to show decreasing growth percents, the water-based and solvent-based segments are expected to growth in the lines of the total industry. Source
  • According to World Adhesives File 2000-2005, the leading handful of adhesives suppliers, including pressure sensitive companies, already controlled almost half the global market in 1999. Henkel leads the way with an estimated 12% global market share, which will probably increase to around 14% with the purchase of Dexter’s adhesives interests. Pressure sensitive suppliers 3M and Avery Dennison are ranked second and third, with 9% and 7% shares respectively, followed jointly by National Starch and H.B. Fuller — both at 6%. The newly enlarged Atofina and Rohm and Haas follow closely behind.” Source
  • Growth of the world market averages about 2-3% per year.
  • Packaging adhesives make up the majority of the market.
  • The electronic and medical adhesives market is currently experiencing the most rapid growth.
  • Market leaders by country are as follows:
    • United States - approximately 2.6 tonnes annually
    • China
    • Japan
    • Germany
    • UK
      Players logo.jpg
  • Market leaders by company(which account for one-third of the market share) are:
    • Henkel
    • 3M
    • Avery Denison
    • HB Fuller
    • National Starch
    • Atofina

Intellectual Property

Patent Search Table

  • Patent search on Micropat
  • Databases searched: USG USA EPA EPB WO JP DEG DEA DET DEU GBA FRA
Query.No. Searched Sections Years Searched Query Hits
1 Claims, Title or Abstract 1836 – Date (rubber OR acryl* OR silicone OR oil*1 OR resin*1 OR ethylen* OR isoprene OR terpene OR copolymer* OR vinyl* OR siloxane* ((acid OR anhydride) ADJ1 (acrylic OR crotonic OR (vinyl ADJ1 acetic) OR fumaric OR maleic OR malonic OR succinic OR itaconic OR citraconic)) OR polymer* OR styrene OR ester*) SAME (((pressure ADJ1 sensitive) NEAR2 (adhesive* OR glue OR paste OR (binding ADJ1 agent) OR (epoxy ADJ1 resin*) OR film) OR PSA OR PSAs) OR (adhesion* WITH (peel OR tensile OR shear) OR stick*) OR (radical* ADJ1 (initiator* OR maker*))) 76006
2 Claims, Title or Abstract 1836 – Date (((low ADJ surface ADJ energy) WITH (substrate*1 OR polymer OR compound* OR material OR film)) OR (surface ADJ1 tension) OR (surface ADJ1 rough*) OR viscosity OR (oily ADJ surface) OR (low ADJ1 energy ADJ1 surface*)) AND (polyolefin*1 OR polyethylene*1 OR polypropylene*1 OR (polyvinyl ADJ1 chloride ADJ1 film) OR (oil ADJ1 contaminated ADJ1 metal) OR polybutene OR polyisoprene*1 OR (polyvinylidene ADJ1 fluoride*) OR polytetrafluoroethylene*1 OR polyester*1 OR polyamide*1 OR polyacetal*1 OR polystyrene*1 OR polyurethane* OR polyurea OR silan* OR polycarbonate*) 75602
3 Claims, Title or Abstract 1836 – Date 1 AND 2 2272
  • Total number of patents - 2272
  • Total number of unique patent families - 1483

Taxonomy for analysis

Taxonomy map - Adhesion

Taxonomy for PSA composition

Taxonomy map - Adhesion

IP Activity

Competitors

Major Competitors

Competitors

Composition components matrix

Assignees Rubber Silicone Polymers Acrylic Tackifying resin Plasticizer oil Carboxylic acids Acid Esters Priority Year Patent numbers
3M Innovative Properties Company x   x x x x     2000 US6630531
x   x x x       2000 US6632872
    x x         2000 US6455634
American Tape Company x         x     1997 US5798175
Ashland Oil, Inc. x   x x         1991 US5434213
Atlantic Richfield Company     x x x x     1984 US4656213
x   x x x       1996 US5817426
    x x x       1996 US5817426
x     x         1997 US6461707
Coloplast x   x   x       1980 US6437038
Dow Corning Corporation   x x     x     1970 US5916981
  x x           1990 US6337086
  x             1990 US6121368
  x x           1994 US5561203
  x x           1996 US5861472
Exxon Chemical Patents Inc.     x   x       1993 US5714254
Fujikura Ltd.                 2000 US6388556
General Electric Company   x x           2000 US6387487
H Fuller Licensing & Financing, Inc. x   x x x x     1996 US5741840
H. B. Fuller Licensing & Financing, Inc. x   x   x       1997 US5869562
Johnson & Johnson Products Inc. x   x   x x     1981 US4335026
Minnesota Mining and Manufacturing Company       x     x x 1993 US5602221
    x x       x 1993 US5612136
Nichiban Company Limited x               1997 US6274235
None x     x x     x 1996 US20030136510
PPG Industries, Inc. x   x x     x   1996 US5776548
Ralf Korpman Associates, Inc. x               1992 US5760135

Technology Tree

As it is evident from the the technology tree below, although the IP activity in the area of Pressure sensitive adhesive was initiated during 1970s, companies are continuously trying new combinations of different components.

Technology tree.jpg

Key findings

  • In the medical field, pressure-sensitive adhesive tapes are used for many different applications in the hospital and health areas and also they can be used to adhere two surfaces together such as the flaps of packing material or fabric to a surface
  • In many commercial applications of pressure-sensitive adhesives, it would be preferred to use an acrylate polymer or copolymer having an intrinsic viscosity of at least about 2.5 dl/g
  • Ideally, a process for producing an acrylate-based polymer for a pressure-sensitive adhesive provides a means for controlling both molecular weight, i.e., intrinsic viscosity, and molecular weight distribution.
  • Pressure-sensitive adhesives require a delicate balance of viscous and elastic properties that result in a four-fold balance of adhesion, cohesion, stretchiness and elasticity. Pressure-sensitive adhesives generally comprise elastomers that are either inherently tacky, or elastomers or thermoplastic elastomers that are tackified with the addition of tackifying resins.

Analysis Sheet

Sample Analysis Sheet


Contact Dolcera

Samir Raiyani
Email: info@dolcera.com
Phone: +1-650-269-7952