Abstract: A system and method simulates conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.

Abstract: A system and method predicts events in a computer system. The system and method includes a controller that receives a crash profile. The controller generates granular information that identifies data indicative of a potential server cluster failure in an enterprise system without needing to identify an originating cause of the potential server cluster failure. The system and method trains a model by sampling portions of a profile that may include directives and data indicative of a normal operating state and a conditioned preamble operating state. The system and method provides a trained model to a prediction engine. The system and method modifies an allocation of computing resources in response to the prediction of the potential server cluster failure by the prediction engine monitoring one or more servers of a server cluster.

Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.

Abstract: A system and method simulates conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.

Abstract: An automated system allows users to request one or more insurance quotes through a self-service and/or agent-service communication channel. The system includes an interface that may receive user data from a remote or local system or application. A front-end application or system selectively passes a user's data to a record keeping system. A quote server or a quote processor generates one or more insurance quotes that are customized to the user's price and/or coverage preferences. A recommendation engine recommends one or more insurance coverages based on the information known about that user and in some instances, based on information known about others. The recommendation engine may call attention to selected insurance coverages that do not include a coverage feature or match a recommended coverage level.

Abstract: A multiproduct quoting system facilitates the purchase of multiple insurance products from two or more insurance underwriters as a bundled insurance package. A multiproduct server renders consolidated views of the multiple insurance products or combined rates of the multiple insurance products based on a plurality of insurance scores. A payment server coupled to the multiproduct server renders individualized payment plans for each of the multiple insurance products. An insurance policy module in communication with the multiproduct server renders an integrated insurance document that reflects a user's selected insurance policy parameters.

Abstract: A mobile insurance architecture includes a wireless communication interface that connects mobile client devices to wireless networks. An insurance server cluster that includes a group of independent network servers operates and appears to mobile client devices as if the group of independent network servers were a single computer server. An adaptive transmission controller communicates with the insurance server cluster and processes content in multiple mobile formats that may be optimized to the screen sizes of the mobile client devices. The insurance server cluster responds to native application clients resident to the mobile client devices. The native application clients contain code stored on a non-transitory media that render insurance quoting services, insurance claims services, on-line insurance policy services, usage based insurance services, mobile monitoring services, or insurance agency management services.

Abstract: A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files.

Abstract: A multiproduct quoting system facilitates the purchase of multiple insurance products from two or more insurance underwriters as a bundled insurance package. A multiproduct server renders consolidated views of the multiple insurance products or combined rates of the multiple insurance products based on a plurality of insurance scores. A payment server coupled to the multiproduct server renders individualized payment plans for each of the multiple insurance products. An insurance policy module in communication with the multiproduct server renders an integrated insurance document that reflects a user's selected insurance policy parameters.

Abstract: A security system includes an interface, a main computer, and an application server. The interface enables a user to access a remote document related to a product. The main computer stores documents related to the product and generates a pair of localized encryption keys. The encryption keys include a first key that encrypts data and second key that decrypts the data. An application server that is remote from the interface transmits and receives the document from the interface. The main computer authenticates the integrity of the document in a local operation by signing the document with the first key before it is transmitted to the interface and by signing the document with the second key after it is received from the interface.

Abstract: A context-based call routing architecture includes an interactive voice recognition device configured to processes incoming voice telephone calls through automatic voice recognition. A customer search Web service in communication with the interactive voice recognition device is configured to automatically access customer data and a priority variable stored in a relational database. An intelligent contact management system is configured to route and assign incoming voice telephone calls to a priority queue accessible to a Private Branch Exchange system. The priority variable may be based on loyalty metrics.

Abstract: An automated insurance quote system allows users to apply for one or more insurance quotes through a self-service communication channel. The system includes an interface that may receive applicant data from a remote location. A front-end processor selectively passes applicant data to a record keeping system retained in a memory. A controller or quote processors selects and transmits one or more insurance policies that are allowed under a user's governmental law and are tailored to the user's price and/or coverage preferences. The system conveys coverage details to users through the interface.

Abstract: A rich-media system allows a user to illustrate damage and request payment in accordance with an insurance policy or another arrangement. The rich-media system includes network servers that may operate and appear to remote client applications and remote computers as if the network servers were a single computer. A damage indicator tool resident to one of the network servers enables a remote user to visually illustrate damage to an item through a rich-media application. The damage indicator may support a relative pointing device and an absolute pointing device. An incident animator tool linked to the damage indicator tool in some rich media systems enables the remote user to visually recreate an event in a second rich media application. An optional scheduler linked to the incident animator tool and the damage indicator tool may enable the remote user to schedule an appointment to have the damage inspected or repaired.

Abstract: A context-based call routing architecture includes an interactive voice recognition device configured to processes incoming voice telephone calls through automatic voice recognition. A customer search Web service in communication with the interactive voice recognition device is configured to automatically access customer data and a priority variable stored in a relational database. An intelligent contact management system is configured to route and assign incoming voice telephone calls to a priority queue accessible to a Private Branch Exchange system. The priority variable may be based on loyalty metrics.

Abstract: A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files.

Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.

Abstract: A security system includes an interface, a main computer, and an application server. The interface enables a user to access a remote document related to a product. The main computer stores documents related to the product and generates a pair of localized encryption keys. The encryption keys include a first key that encrypts data and second key that decrypts the data. An application server that is remote from the interface transmits and receives the document from the interface. The main computer authenticates the integrity of the document in a local operation by signing the document with the first key before it is transmitted to the interface and by signing the document with the second key after it is received from the interface.

Abstract: Means are provided for recording, storing, calculating, communicating and reviewing one or more operational aspects of a machine. Insurance costs are based, in part, on activities of the machine operator. A discount may be provided in exchange for recording the operational aspects and providing the recorded information to the insurer. The party may review information and decide whether to provide it to the insurer. The means for reviewing may present comparative information. Information that causes insurance costs to vary may be highlighted. Provided data may be used to verify insurance application information, generate actuarial information or determine insurance rates. Operating data may be reviewed on a display medium so a party can observe how his operating behavior compares to that of other operators of similar machines and may be manipulated so a party can understand how changes in operating behavior can affect his insurance rates.

Abstract: A rich-media system allows a user to illustrate damage and request payment in accordance with an insurance policy or another arrangement. The rich-media system includes network servers that may operate and appear to remote client applications and remote computers as if the network servers were a single computer. A damage indicator tool resident to one of the network servers enables a remote user to visually illustrate damage to an item through a rich-media application. The damage indicator may support a relative pointing device and an absolute pointing device. An incident animator tool linked to the damage indicator tool in some rich media systems enables the remote user to visually recreate an event in a second rich media application. An optional scheduler linked to the incident animator tool and the damage indicator tool may enable the remote user to schedule an appointment to have the damage inspected or repaired.

Abstract: An automated insurance quote system allows users to apply for one or more insurance quotes through a self-service communication channel. The system includes an interface that may receive applicant data from a remote location. A front-end processor selectively passes applicant data to a record keeping system retained in a memory. A controller or quote processors selects and transmits one or more insurance policies that are allowed under a user's governmental law and are tailored to the user's price and/or coverage preferences. The system conveys coverage details to users through the interface.