Patents by Inventor Michael O. Wardle

Michael O. Wardle 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).

  • Patent number: 11669910
    Abstract: Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
    Type: Grant
    Filed: April 26, 2021
    Date of Patent: June 6, 2023
    Assignee: Hartford Fire Insurance Company
    Inventors: Alex M. Carges, Anna M. Martinez, Robert A. Schenkel, Michael O. Wardle
  • Publication number: 20210350473
    Abstract: Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
    Type: Application
    Filed: April 26, 2021
    Publication date: November 11, 2021
    Inventors: Alex M. Carges, Anna M. Martinez, Robert A. Schenkel, Michael O. Wardle
  • Patent number: 10991052
    Abstract: Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
    Type: Grant
    Filed: May 11, 2020
    Date of Patent: April 27, 2021
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Alex M. Carges, Anna M. Martinez, Robert A. Schenkel, Michael O. Wardle
  • Publication number: 20200273114
    Abstract: Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
    Type: Application
    Filed: May 11, 2020
    Publication date: August 27, 2020
    Inventors: Alex M. Carges, Anna M. Martinez, Robert A. Schenkel, Michael O. Wardle
  • Patent number: 10650461
    Abstract: Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
    Type: Grant
    Filed: October 6, 2015
    Date of Patent: May 12, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Alex M. Carges, Anna M. Martinez, Robert A. Schenkel, Michael O. Wardle
  • Publication number: 20170322928
    Abstract: A system may automatically identify electronic records to be routed to an existing association review process via an automated back-end application computer server. The system may include a data store containing a set of electronic records, each record representing an existing risk association with an entity, and each record may contain a record identifier and a set of record characteristic values, including at least one record characteristic value collected during the existing risk association. The computer server may then access the electronic records and automatically create, by an analytics decision model based on the record characteristic values, a subset of the records for the review process. An indication of the existing association review process subset may then be transmitted in connection with an interactive user interface display and records in the subset may be automatically routed for the existing association review process.
    Type: Application
    Filed: May 4, 2016
    Publication date: November 9, 2017
    Inventors: Stanislav Ivanov Gotchev, Lucas Raymond Roberts, Elizabeth Puchir Sheldon, Michael O. Wardle
  • Publication number: 20170098278
    Abstract: Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
    Type: Application
    Filed: October 6, 2015
    Publication date: April 6, 2017
    Inventors: Alex M. Carges, Anna M. Martinez, Robert A. Schenkel, Michael O. Wardle