Patents by Inventor Cheryl L. Urminski

Cheryl L. Urminski 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).

  • Method and apparatus for internet on-line insurance policy service
    Patent number: 8712795
    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.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: April 29, 2014
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • Method and apparatus for internet on-line insurance policy service
    Patent number: 8484046
    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.
    Type: Grant
    Filed: December 15, 2010
    Date of Patent: July 9, 2013
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • Method and apparatus for internet on-line insurance policy service
    Patent number: 7877269
    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.
    Type: Grant
    Filed: October 13, 2006
    Date of Patent: January 25, 2011
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • Apparatus for internet on-line insurance policy service
    Patent number: 7124088
    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.
    Type: Grant
    Filed: July 30, 1999
    Date of Patent: October 17, 2006
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • METHOD AND APPARATUS FOR INTERNET ON-LINE INSURANCE POLICY SERVICE
    Publication number: 20020116228
    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.
    Type: Application
    Filed: July 30, 1999
    Publication date: August 22, 2002
    Inventors: ALAN R. BAUER, AMANDA L. BOWMAN, RICHARD J. KEYSER, MEGAN N. MCNAMARA, CHERYL L. URMINSKI, LESLIE YOUNGSTROM, TOBY ALFRED