Patents by Inventor Frank P. Palmer

Frank P. Palmer has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Credit risk evaluation with responsibility factors
    Patent number: 8407139
    Abstract: A system, device, and method for calculating an enhanced credit score using insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, vehicle monitoring rating factors, and/or credit risk information is disclosed. Insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, and vehicle monitoring rating factors, either individually or in combinations, may be used as inputs to a novel credit-scoring model to calculate an enhanced or improved credit score. The novel credit-scoring model may be implemented in a computer-readable medium comprising computer-executable instructions for causing a computing device to calculate an enhanced credit score. The computer-executable instructions may be arranged into an input module, output module, and calculation module.
    Type: Grant
    Filed: October 31, 2011
    Date of Patent: March 26, 2013
    Assignee: Allstate Insurance Company
    Inventor: Frank P. Palmer
  • Credit risk evaluation with responsibility factors
    Patent number: 8086523
    Abstract: A system, device, and method for calculating an enhanced credit score using insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, vehicle monitoring rating factors, and/or credit risk information is disclosed. Insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, and vehicle monitoring rating factors, either individually or in combinations, may be used as inputs to a novel credit-scoring model to calculate an enhanced or improved credit score for an individual or other type of credit user. The novel credit-scoring model may be implemented in a computer-readable medium comprising computer-executable instructions for causing a computing device to calculate an enhanced credit score. The computer-executable instructions may be arranged into an input module, output module, and calculation module.
    Type: Grant
    Filed: August 7, 2006
    Date of Patent: December 27, 2011
    Assignee: Allstate Insurance Company
    Inventor: Frank P. Palmer