Patents Assigned to Navera, Inc.
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Patent number: 9495700Abstract: The present invention employs branded virtual characters to engage and educate users regarding an array of health-related insurance, financial, and other benefits, enabling informed decision-making during this complex process. Information is collected gradually on an “as-needed” basis to avoid overwhelming users with lengthy and redundant requests for information, while still providing a safe environment for users to freely discuss personal, health, financial and related sensitive issues. Throughout the process, the system employs a portfolio-driven approach to identify inter-dependencies among different benefit products and plans, and prioritize and recommend “portfolio-level” benefit solutions. Back-end components enable users to complete transactions (e.g.Type: GrantFiled: October 13, 2014Date of Patent: November 15, 2016Assignee: NAVERA, INC.Inventors: Michael Hoch, Colin Campbell, Sandy Yu, David Wallace
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Publication number: 20140310127Abstract: The present invention employs branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially engage prospective customers on a network platform, such as a social network, and persist over time across other network platforms (eg, university and company websites) to educate consumers until they are ready to purchase—e.g., from their “trusted advisor”—particular products and services offered by various providers. An extensible configuration tool (“Config Tool”) is provided to simplify the continued development of such a system, as well as customization of individual Product Modules (e.g., a Life Insurance Module) by product and service providers (e.g., insurance companies and employers) and other third-party developers (before and during runtime).Type: ApplicationFiled: January 10, 2014Publication date: October 16, 2014Applicant: Navera, Inc.Inventors: MICHAEL HOCH, PETER W. STEVENSON, KEVIN C. DUNN, MICHAEL MILLS, ROGER BRADLEY-JUNGEMANN
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Publication number: 20140129262Abstract: The present invention includes systems and methods employing branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially engage prospective customers on a network platform, such as a social network, and persist over time across other network platforms (eg, university and company websites) to educate consumers until they are ready to purchase—from their “trusted advisor”—particular products and services offered by various providers. Even after completing transactions, these characters continue to provide various services, such as notifying a customer whose circumstances have changed of a relevant product or service, while remaining available to answer questions and provide information upon demand.Type: ApplicationFiled: January 10, 2014Publication date: May 8, 2014Applicant: NAVERA, INC.Inventors: Peter W. Stevenson, Kevin C. Dunn, Michael Mills
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Patent number: 8660924Abstract: The present invention employs branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially engage prospective customers on a network platform, such as a social network, and persist over time across other network platforms (eg, university and company websites) to educate consumers until they are ready to purchase—e.g., from their “trusted advisor”—particular products and services offered by various providers. An extensible configuration tool (“Config Tool”) is provided to simplify the continued development of such a system, as well as customization of individual Product Modules (e.g., a Life Insurance Module) by product and service providers (e.g., insurance companies and employers) and other third-party developers (before and during runtime).Type: GrantFiled: October 4, 2011Date of Patent: February 25, 2014Assignee: Navera, Inc.Inventors: Michael Hoch, Peter W. Stevenson, Kevin C. Dunn, Michael Mills, Roger Bradley-Jungemann
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Patent number: 8635135Abstract: The present invention includes systems and methods employing branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially engage prospective customers on a network platform, such as a social network, and persist over time across other network platforms (eg, university and company websites) to educate consumers until they are ready to purchase—from their “trusted advisor”—particular products and services offered by various providers. Even after completing transactions, these characters continue to provide various services, such as notifying a customer whose circumstances have changed of a relevant product or service, while remaining available to answer questions and provide information upon demand.Type: GrantFiled: October 7, 2011Date of Patent: January 21, 2014Assignee: Navera, Inc.Inventors: Peter W. Stevenson, Kevin C. Dunn, Michael Mills