Patents by Inventor Laura Esboldt Heyne

Laura Esboldt Heyne 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).

  • Benchmark premium determination system and method
    Patent number: 8069064
    Abstract: A method and/or system determines a benchmark premium for evaluating an insurance policy for a company. In alternative embodiments, a method and/or system evaluates an insurance policy using a benchmark premium. In one exemplary embodiment, a class action lawsuit frequency distribution, a class action lawsuit severity distribution and/or a non-class action lawsuit loss distribution are determined. A benchmark premium for the company is determined responsive to the class action lawsuit frequency distribution, the class action lawsuit severity distribution and/or the non-class action lawsuit loss distribution.
    Type: Grant
    Filed: February 8, 2008
    Date of Patent: November 29, 2011
    Assignee: The Travelers Indemnity Company
    Inventors: Laura Esboldt Heyne, Steven M. Lacke, Nathan J. Hubbell
  • Premium evaluation systems and methods
    Patent number: 7330820
    Abstract: The invention relates to systems and methods for determining and evaluation insurance policy premiums based on risks associated with class action lawsuits and non-class action lawsuit related risks.
    Type: Grant
    Filed: July 12, 2005
    Date of Patent: February 12, 2008
    Assignee: The St Paul Travelers Companies, Inc.
    Inventors: Laura Esboldt Heyne, Steven Michael Lacke, Nathan Jaymes Hubbell