Patents by Inventor Michael Hongming Chan

Michael Hongming Chan 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).

  • Infrastructure method and system for managing deductibles for insurance policies
    Patent number: 7885830
    Abstract: Insurance policy deductibles are managed by a plurality of interrelated tables each including a plurality of variables. The variables in a first table include a geographical variable, a transaction variable and an effective policy date variable. The variables in another table include additional geographic variables, structural characteristics, amount of insurance and provides controls for managing deductibles. The variables in a further table distinguish deductibles available to the policies. In an additional table, the variables identify movement from an old deductible to a new deductible.
    Type: Grant
    Filed: August 26, 2003
    Date of Patent: February 8, 2011
    Assignee: United Services Automobile Association
    Inventors: Jerromy Laverne Johnson, Michael Hongming Chan
  • Infrastructure method and system for managing deductibles for insurance policies
    Publication number: 20040049410
    Abstract: Insurance policy deductibles are managed by a plurality of interrelated tables each including a plurality of variables. The variables in a first table include a geographical variable, a transaction variable and an effective policy date variable. The variables in another table include additional geographic variables, structural characteristics, amount of insurance and provides controls for managing deductibles. The variables in a further table distinguish deductibles available to the policies. In an additional table, the variables identify movement from an old deductible to a new deductible.
    Type: Application
    Filed: August 26, 2003
    Publication date: March 11, 2004
    Applicant: United Services Automobile Association
    Inventors: Jerromy Laverne Johnson, Michael Hongming Chan