Patents by Inventor Kenneth J. Zygiel

Kenneth J. Zygiel 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).

  • USAGE ESTIMATION SYSTEMS AND METHODS FOR RISK ASSOCIATION ADJUSTMENTS
    Publication number: 20240005412
    Abstract: According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of estimated usage attribute values. A back-end application computer server may receive, from a current usage data source, current usage information for the enterprise (e.g., financial information, utility information, IoT information, etc.). Based on the current usage information, the computer server may infer a likely actual current usage for the enterprise. The computer server may then compare the likely actual current usage with the predicted usage attribute value to determine a risk difference result and adjust a risk relationship parameter based on the risk difference result.
    Type: Application
    Filed: September 19, 2023
    Publication date: January 4, 2024
    Inventors: Brandon A. Banks, Kenneth J. Zygiel
  • Usage estimation systems and methods for risk association adjustments
    Patent number: 11798093
    Abstract: According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of estimated usage attribute values. A back-end application computer server may receive, from a current usage data source, current usage information for the enterprise (e.g., financial information, utility information, IoT information, etc.). Based on the current usage information, the computer server may infer a likely actual current usage for the enterprise. The computer server may then compare the likely actual current usage with the predicted usage attribute value to determine a risk difference result and adjust a risk relationship parameter based on the risk difference result.
    Type: Grant
    Filed: October 9, 2020
    Date of Patent: October 24, 2023
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Brandon A. Banks, Kenneth J. Zygiel
  • USAGE ESTIMATION SYSTEMS AND METHODS FOR RISK ASSOCIATION ADJUSTMENTS
    Publication number: 20220114671
    Abstract: According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of estimated usage attribute values. A back-end application computer server may receive, from a current usage data source, current usage information for the enterprise (e.g., financial information, utility information, IoT information, etc.). Based on the current usage information, the computer server may infer a likely actual current usage for the enterprise. The computer server may then compare the likely actual current usage with the predicted usage attribute value to determine a risk difference result and adjust a risk relationship parameter based on the risk difference result.
    Type: Application
    Filed: October 9, 2020
    Publication date: April 14, 2022
    Inventors: Brandon A. Banks, Kenneth J. Zygiel