Patents by Inventor Andreas P. Graham

Andreas P. Graham 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).

  • Computer system for underwriting a personal guaranty liability by utilizing a risk apportionment system
    Patent number: 8095396
    Abstract: A risk apportionment system for providing personal guarantee insurance or commercial collateral insurance may include a risk management module that can run on one or more processors. The risk management module can evaluate a guarantor for the insurance, where the guarantor is required by an obligor to provide a personal guaranty on a business obligation. The risk management module includes, in some implementations, a policy risk component that determines a degree of policy risk to an insurer corresponding to the guarantor and a portfolio risk component that determines a degree of portfolio risk to the insurer corresponding to the guarantor. The system may further include a policy generator operative to generate an insurance policy providing for a variable retention in response to a determination that the degrees of policy and portfolio risk corresponding to the guarantor are below a threshold of risk.
    Type: Grant
    Filed: March 13, 2009
    Date of Patent: January 10, 2012
    Assignee: Asterisk Financial Group, Inc.
    Inventors: Casper W. Zublin, Jr., Andreas P. Graham