Patents by Inventor Phillip E. Harker

Phillip E. Harker 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).

  • Methods for Real-Time Underwriting
    Publication number: 20080183508
    Abstract: Methods for providing substantially real-time quotes are provided. In one respect, a method may receive from a potential customer authorization to access at least the potential customer's pharmacy profile. The pharmacy profile may be retrieved and a risk score may be generated as a function of the pharmacy profile. A quote may be generated based on the risk and may be provided to the potential customer at substantially real-time.
    Type: Application
    Filed: January 30, 2008
    Publication date: July 31, 2008
    Inventors: Phillip E. Harker, Stephen C. Pranke, James A. Minnich