Patents by Inventor Mark D. Warfel
Mark D. Warfel 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).
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Publication number: 20260340734Abstract: Method and systems generate optimized and online targeted messages. Various campaign criteria are provided having different advertising or marketing goals that cause the delivery of targeted messages. Messages may be generated based upon customer data, customer preferences, life events, marketing campaigns, predictive models, and/or propensity scores. For instance, messages may be sent when a propensity threshold score is exceeded indicating a high likelihood of a milestone event, which may be indicative of customer behavior or an event that is relevant to the campaign goal, thereby sending more relevant messages to customers. A milestone propensity score may be calculated using a predictive modeling algorithm having weighted data variables, which may include data provided by the customer or accessed through various sources, such as monitoring customer online interactions with their permission.Type: ApplicationFiled: November 5, 2025Publication date: October 29, 2026Inventors: Mark D. Warfel, Ginger L. Hlebasko, Rebecca L. Hill, Jillian J. Wille, Rama Kumari Naraparaju, Michael E. Wilkerson, Trent Durflinger, Quincy J. Carolan
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Patent number: 12469087Abstract: Method and systems generate optimized and online targeted messages. Various campaign criteria are provided having different advertising or marketing goals that cause the delivery of targeted messages. Messages may be generated based upon customer data, customer preferences, life events, marketing campaigns, predictive models, and/or propensity scores. For instance, messages may be sent when a propensity threshold score is exceeded indicating a high likelihood of a milestone event, which may be indicative of customer behavior or an event that is relevant to the campaign goal, thereby sending more relevant messages to customers. A milestone propensity score may be calculated using a predictive modeling algorithm having weighted data variables, which may include data provided by the customer or accessed through various sources, such as monitoring customer online interactions with their permission.Type: GrantFiled: March 27, 2024Date of Patent: November 11, 2025Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark D. Warfel, Ginger L. Hlebasko, Rebecca L. Hill, Jillian J. Wille, Rama Kumari Naraparaju, Michael E. Wilkerson, Trent Durflinger, Quincy J. Carolan
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Publication number: 20240242290Abstract: Method and systems generate optimized and online targeted messages. Various campaign criteria are provided having different advertising or marketing goals that cause the delivery of targeted messages. Messages may be generated based upon customer data, customer preferences, life events, marketing campaigns, predictive models, and/or propensity scores. For instance, messages may be sent when a propensity threshold score is exceeded indicating a high likelihood of a milestone event, which may be indicative of customer behavior or an event that is relevant to the campaign goal, thereby sending more relevant messages to customers. A milestone propensity score may be calculated using a predictive modeling algorithm having weighted data variables, which may include data provided by the customer or accessed through various sources, such as monitoring customer online interactions with their permission.Type: ApplicationFiled: March 27, 2024Publication date: July 18, 2024Inventors: Mark D. Warfel, Ginger L. Hlebasko, Rebecca L. Hill, Jillian J. Wille, Rama Kumari Naraparaju, Michael E. Wilkerson, Trent Durflinger, Quincy J. Carolan
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Patent number: 11972488Abstract: Method and systems generate optimized and online targeted messages. Various campaign criteria are provided having different advertising or marketing goals that cause the delivery of targeted messages. Messages may be generated based upon customer data, customer preferences, life events, marketing campaigns, predictive models, and/or propensity scores. For instance, messages may be sent when a propensity threshold score is exceeded indicating a high likelihood of a milestone event, which may be indicative of customer behavior or an event that is relevant to the campaign goal, thereby sending more relevant messages to customers. A milestone propensity score may be calculated using a predictive modeling algorithm having weighted data variables, which may include data provided by the customer or accessed through various sources, such as monitoring customer online interactions with their permission.Type: GrantFiled: March 30, 2021Date of Patent: April 30, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark D. Warfel, Ginger L. Hlebasko, Rebecca L. Hill, Jillian J. Wille, Rama Kumari Naraparaju, Michael E. Wilkerson, Trent Durflinger, Quincy J. Carolan
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Publication number: 20210217099Abstract: Method and systems generate optimized and online targeted messages. Various campaign criteria are provided having different advertising or marketing goals that cause the delivery of targeted messages. Messages may be generated based upon customer data, customer preferences, life events, marketing campaigns, predictive models, and/or propensity scores. For instance, messages may be sent when a propensity threshold score is exceeded indicating a high likelihood of a milestone event, which may be indicative of customer behavior or an event that is relevant to the campaign goal, thereby sending more relevant messages to customers. A milestone propensity score may be calculated using a predictive modeling algorithm having weighted data variables, which may include data provided by the customer or accessed through various sources, such as monitoring customer online interactions with their permission.Type: ApplicationFiled: March 30, 2021Publication date: July 15, 2021Inventors: Mark D. Warfel, Ginger L. Hlebasko, Rebecca L. Hill, Jillian J. Wille, Rama Kumari Naraparaju, Michael E. Wilkerson, Trent Durflinger, Quincy J. Carolan
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Patent number: 10997662Abstract: Method and systems generate optimized and online targeted messages. Various campaign criteria are provided having different advertising or marketing goals that cause the delivery of targeted messages. Messages may be generated based upon customer data, customer preferences, life events, marketing campaigns, predictive models, and/or propensity scores. For instance, messages may be sent when a propensity threshold score is exceeded indicating a high likelihood of a milestone event, which may be indicative of customer behavior or an event that is relevant to the campaign goal, thereby sending more relevant messages to customers. A milestone propensity score may be calculated using a predictive modeling algorithm having weighted data variables, which may include data provided by the customer or accessed through various sources, such as monitoring customer online interactions with their permission.Type: GrantFiled: August 3, 2015Date of Patent: May 4, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark D. Warfel, Ginger L. Hlebasko, Rebecca L. Hill, Jillian J. Wille, Rama Kumari Naraparaju, Michael E. Wilkerson, Trent Durflinger, Quincy J. Carolan