Patents by Inventor Robert Michael Bohanek

Robert Michael Bohanek 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: 9053469
    Abstract: Methods and systems for providing usage based insurance for one or more vehicles for an insured individual or party. In an example, fuel transaction data is received for a party, the fuel transaction data includes a fuel cost; insurance policy data is received for an insurance policy; a premium is determined for the insurance policy using a computing device and the premium is added to the fuel cost. In an example, a geographic location for a vehicle is determined and a premium is determined using at the least the geographic location. In an example, a number of miles driven in a time period is determined and a premium is determined using at the least the number of miles driven. In an example, a premium is determined for an insurance policy using at least a portion of the fuel transaction data. In an example, at least one vehicle related parameter is predicted from the fuel transaction data and a premium is determined using the vehicle related parameter.
    Type: Grant
    Filed: July 10, 2009
    Date of Patent: June 9, 2015
    Assignee: United Services Automobile Association
    Inventors: Robert Michael Bohanek, Charles Lee Oakes, III, Bharat Prasad
  • Patent number: 8126745
    Abstract: Digital assets may be insured against loss. The digital assets may comprise commercial products and/or user-generated data. An insurance product may provide either for monetary reimbursement or replacement (e.g., repurchase) of the digital assets and/or for backup services to backup insured digital assets so that the insured digital assets may be retrieved if the original user copies are lost.
    Type: Grant
    Filed: June 18, 2008
    Date of Patent: February 28, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventor: Robert Michael Bohanek
  • Patent number: 7974861
    Abstract: Digital assets may be insured against loss. The digital assets may comprise commercial products and/or user-generated data. An insurance product may provide either for monetary reimbursement or replacement (e.g., repurchase) of the digital assets and/or for backup services to backup insured digital assets so that the insured digital assets may be retrieved if the original user copies are lost.
    Type: Grant
    Filed: October 17, 2008
    Date of Patent: July 5, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventor: Robert Michael Bohanek
  • Patent number: 7765118
    Abstract: A user may use a financial card to make a purchase at a merchant. An institution system may receive and analyze transaction data associated with the purchase. The institution system may send a notice to the user asking if the user would like insurance coverage for the item(s) pertaining to the purchase. The notice may request the user send a photo of the item(s) or documentation pertaining to the item(s) to the institution system.
    Type: Grant
    Filed: October 17, 2008
    Date of Patent: July 27, 2010
    Assignee: United Services Automobile Association (USAA)
    Inventor: Robert Michael Bohanek
  • Patent number: 7734485
    Abstract: A user may use a financial card to make a purchase at a merchant. An institution system may receive and analyze transaction data associated with the purchase. The institution system may send a notice to the user asking if the user would like insurance coverage for the item(s) pertaining to the purchase. The notice may request the user send a photo of the item(s) or documentation pertaining to the item(s) to the institution system.
    Type: Grant
    Filed: October 17, 2008
    Date of Patent: June 8, 2010
    Assignee: United Services Automobile Association (USAA)
    Inventor: Robert Michael Bohanek
  • Patent number: 7729930
    Abstract: A user may use a financial card to make a purchase at a merchant. An institution system may receive and analyze transaction data associated with the purchase. The institution system may send a notice to the user asking if the user would like insurance coverage for the item(s) pertaining to the purchase. The notice may request the user send a photo of the item(s) or documentation pertaining to the item(s) to the institution system.
    Type: Grant
    Filed: June 25, 2008
    Date of Patent: June 1, 2010
    Assignee: United Services Automobile Association (USAA)
    Inventor: Robert Michael Bohanek