Patents Assigned to Metropolitan Life Insurance Co.
  • Patent number: 11790318
    Abstract: A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.
    Type: Grant
    Filed: January 14, 2020
    Date of Patent: October 17, 2023
    Assignee: Metropolitan Life Insurance Co.
    Inventors: Denise Cartledge, Henry A. Danis, Jay Jacobus, Susan Burke, Michele Millington, Salvador Sierra, Gwen Smith
  • Patent number: 11722646
    Abstract: A computer-implemented method and system is disclosed for capturing and distributing aerial images and/or videos. Images and/or videos are captured from aircraft and transmitted to a ground station. Users are able to view captured images on a real-time or near real-time basis through a user platform on mobile devices and web browsers. The location of the user may also be determined and used to interpolate the user's location with the captured images.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: August 8, 2023
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventor: Richard Hong
  • Patent number: 11443386
    Abstract: A trust platform receives transaction review values from a plurality of marketplace providers, each transaction review value associated with a person-to-person transaction. The platform weighs each transaction review value to generate a weighted transaction review value based on a characteristic of the transaction. A baseline individual trust score is generated based on an aggregation of the weighted transaction review values which reflects a “trust” attributable to a user. The trust platform is also configured to adjust new transaction review values based on the baseline individual trust score to render such review more accurate.
    Type: Grant
    Filed: September 23, 2020
    Date of Patent: September 13, 2022
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: John Bungert, Terrance Luciani, Andrew O'Mara, Jordan Ashleigh McAlister, Shaun Michael Walter
  • Patent number: 11393040
    Abstract: A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.
    Type: Grant
    Filed: February 13, 2020
    Date of Patent: July 19, 2022
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventor: Amir Weiss
  • Patent number: 11315192
    Abstract: Disclosed herein are selection systems and methods for selecting a disability insurance package from a plurality of disability insurance packages, and for recommending the selected disability insurance package to a client. A selection system can include a query unit, a scoring unit and a recommendation unit. The query unit can present two or more prompts related to disability insurance, each prompt being associated with two or more response choices. A client can select a response choice for each prompt, and the query unit can receive the selected response choices. The scoring unit can associate point values with each of the selected response choices and can calculate a response score by combining the point values. The recommendation unit can select a disability insurance package corresponding the response score resulting from the user's responses to the prompts. Other embodiments of selection systems are also disclosed herein.
    Type: Grant
    Filed: January 24, 2020
    Date of Patent: April 26, 2022
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Barry Higgins, Teresa M. Hoffman, Eric L. Major
  • Patent number: 11151659
    Abstract: The disclosed systems and methods facilitate identifying beneficiaries of matured insurance policies. In a preferred embodiment, the systems and methods leverage one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, users may also search for and receive information related to in-force policies. In cases where the insured is living, the systems and methods can update address and social security number records, enabling more effective policy administration and customer service going forward. The systems and methods may further distribute the matured policy proceeds to the identified beneficiary.
    Type: Grant
    Filed: July 27, 2020
    Date of Patent: October 19, 2021
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Kathleen Schoos, Debra Cruz, Lawrence Vranka
  • Patent number: 11151893
    Abstract: The present invention relates to designing a performance-learning solution and related methods for managing the learning and training needs of an organization in a manner that is responsive to dynamic business needs. In particular, the present invention relates to solutions that are performance-based and provide a learning environment that is targeted towards the improvement of worker productivity and the accomplishment of specific goals.
    Type: Grant
    Filed: April 11, 2008
    Date of Patent: October 19, 2021
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Rick Rabideau, Rosemarie Dizon, Holly Morgan
  • Patent number: 11138668
    Abstract: A data processing implemented sales and activation system is used to distribute insurance products and services. A two stage operation is facilitated by the selectively arranged retail packaging used in conjunction with an on-line activation process to permit enhanced marketing of insurance and other insured products and services.
    Type: Grant
    Filed: September 10, 2012
    Date of Patent: October 5, 2021
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Manish Bhatt, Raymond Burton, Leslie Hyman
  • Patent number: 11132751
    Abstract: A network of sensors is utilized to capture and relay data that is relevant to specific types of insurance coverage. Sensors included in the network can be deployed as specialized devices, or can be found in existing consumer products. Behavioral and environmental data collected from the sensor network is used to establish a feedback relationship between an insurance policy holder's behavior and insurance policy pricing. Various types of insurance products can benefit from behavioral and environmental data, including health insurance, dental insurance, disability insurance and automobile insurance. Collected data can be used for other purposes, such as initial risk assessment, risk monitoring, and prevention services.
    Type: Grant
    Filed: July 7, 2020
    Date of Patent: September 28, 2021
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventor: Terrance Luciani
  • Patent number: 10771748
    Abstract: A computer-implemented method and system is disclosed for capturing and distributing aerial images and/or videos. Images and/or videos are captured from aircraft and transmitted to a ground station. Users are able to view captured images on a real-time or near real-time basis through a user platform on mobile devices and web browsers. The location of the user may also be determined and used to interpolate the user's location with the captured images.
    Type: Grant
    Filed: November 27, 2013
    Date of Patent: September 8, 2020
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventor: Richard Hong
  • Patent number: 10762573
    Abstract: A network of sensors is utilized to capture and relay data that is relevant to specific types of insurance coverage. Sensors included in the network can be deployed as specialized devices, or can be found in existing consumer products. Behavioral and environmental data collected from the sensor network is used to establish a feedback relationship between an insurance policy holder's behavior and insurance policy pricing. Various types of insurance products can benefit from behavioral and environmental data, including health insurance, dental insurance, disability insurance and automobile insurance. Collected data can be used for other purposes, such as initial risk assessment, risk monitoring, and prevention services.
    Type: Grant
    Filed: September 2, 2016
    Date of Patent: September 1, 2020
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventor: Terrance Luciani
  • Patent number: 10762571
    Abstract: An unmanned insurance drone can include a drone body and a sensor unit disposed on the drone body to collect sensor data. An on-board data processor converts the sensor data into insurance related information, and a wireless communication unit in communication with the data processor to transmit the insurance related information. In another example, the data processor may not be on the drone but remotely located. The location can be with the pilot or a control collection location. If the insurance related information is separate from the drone, than the wireless communication unit can transmit the raw sensor data to the processor.
    Type: Grant
    Filed: September 2, 2015
    Date of Patent: September 1, 2020
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Terrance C. Luciani, Barbara A. Distasio, John Bungert, Matt Sumner, Thomas L. Bozzo
  • Publication number: 20200258161
    Abstract: A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.
    Type: Application
    Filed: February 13, 2020
    Publication date: August 13, 2020
    Applicant: Metropolitan Life Insurance Co.
    Inventor: Amir WEISS
  • Patent number: 10725985
    Abstract: A system for a financial institution (or vendor thereof) to comply with its due diligence, reporting and monitoring obligations under FACTA or similar regulations. The present invention deploys a computer-based Enterprise Data Quality (EDQ) platform for the collection and management of customer financial data. The platform is configured to profile and validate the quality of existing database structures and content and, to the extent necessary to achieve regulatory compliance, normalize and standardize database records. The platform is further configured to detect and flag data anomalies, and provides an automatic alert distribution feature. The EDQ platform further includes a reporting feature to enable an accessible audit trail. The platform gathers data feeds from existing systems and supports the collection of data from new customers.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: July 28, 2020
    Assignee: Metropolitan Life Insurance Co.
    Inventors: John Varghes, Laura Heeger, Jonathan Corbett, Anthony Stern
  • Patent number: 10726488
    Abstract: A computer-implemented method and system is disclosed for identifying beneficiaries of matured insurance policies. In a preferred embodiment, the invention will utilize one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, the users may also search for and receive information related to in force policies. In cases where the insured is living, the invention may be utilized to update address and social security number records, enabling more effective policy administration and customer service going forward. Also provided is an automated system for distributing the matured policy proceeds to the identified beneficiary.
    Type: Grant
    Filed: November 27, 2013
    Date of Patent: July 28, 2020
    Assignee: Metropolitan Life Insurance Co.
    Inventors: Kathleen Schoos, Debra Cruz, Lawrence Vranka
  • Publication number: 20200160453
    Abstract: Disclosed herein are selection systems and methods for selecting a disability insurance package from a plurality of disability insurance packages, and for recommending the selected disability insurance package to a client. A selection system can include a query unit, a scoring unit and a recommendation unit. The query unit can present two or more prompts related to disability insurance, each prompt being associated with two or more response choices. A client can select a response choice for each prompt, and the query unit can receive the selected response choices. The scoring unit can associate point values with each of the selected response choices and can calculate a response score by combining the point values. The recommendation unit can select a disability insurance package corresponding the response score resulting from the user's responses to the prompts. Other embodiments of selection systems are also disclosed herein.
    Type: Application
    Filed: January 24, 2020
    Publication date: May 21, 2020
    Applicant: Metropolitan Life Insurance Co.
    Inventors: Barry HIGGINS, Teresa M. HOFFMAN, Eric L. MAJOR
  • Publication number: 20200151669
    Abstract: A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.
    Type: Application
    Filed: January 14, 2020
    Publication date: May 14, 2020
    Applicant: Metropolitan Life Insurance Co.
    Inventors: Denise Cartledge, Henry A. Danis, Jay Jacobus, Susan Burke, Michele Millington, Salvador Sierra, Gwen Smith
  • Patent number: 10580076
    Abstract: A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.
    Type: Grant
    Filed: May 2, 2014
    Date of Patent: March 3, 2020
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventor: Amir Weiss
  • Patent number: 10559036
    Abstract: Disclosed herein are selection systems and methods for selecting a disability insurance package from a plurality of disability insurance packages, and for recommending the selected disability insurance package to a client. A selection system can include a query unit, a scoring unit and a recommendation unit. The query unit can present two or more prompts related to disability insurance, each prompt being associated with two or more response choices. A client can select a response choice for each prompt, and the query unit can receive the selected response choices. The scoring unit can associate point values with each of the selected response choices and can calculate a response score by combining the point values. The recommendation unit can select a disability insurance package corresponding the response score resulting from the user's responses to the prompts. Other embodiments of selection systems are also disclosed herein.
    Type: Grant
    Filed: August 5, 2010
    Date of Patent: February 11, 2020
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Barry Higgins, Teresa M. Hoffman, Eric L. Major
  • Patent number: 10546272
    Abstract: A system includes a data storage medium to store a plurality of user profiles and at least one work project, each of the work project including at least one task that is characterized by a task definition, and a processor to receive a request for work from a user, the processor including a task management engine to allocate the at least one task to the user based on the user profile and the task definition in response to the request for work.
    Type: Grant
    Filed: May 7, 2008
    Date of Patent: January 28, 2020
    Assignee: METROPOLITAN LIFE INSURANCE CO.
    Inventors: Denise Cartledge, Henry Danis, Jay Jacobus, Susan Burke, Michele Millington