Patents by Inventor Spencer E. Read

Spencer E. Read 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).

  • Systems and methods for utilizing imaging informatics
    Patent number: 12327264
    Abstract: A computer device and method for processing an insurance claim and making decisions regarding an insurance policy utilizing informatic data received from one or more informatic camera sensor devices configured to capture imagery data relating to an insured property. Analysis is performed on the received imagery informatic data to determine an assessment variable regarding the insured property. An insurance policy associated with the insured property is also received by the computer and analyzed to determine insurance coverage terms and conditions for the insured property. Predefined business rules are preferably applied by the computer using at least the determined assessment variable and the determined insurance coverage terms and conditions for the insured property to determine an event relating to the insurance policy associated with the insured property.
    Type: Grant
    Filed: January 17, 2022
    Date of Patent: June 10, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, David S. Franck, Michael J. Allen, Daniela M. Wheeler, Spencer E. Read, Kathleen L Swain
  • Systems and methods for utilizing imaging informatics
    Patent number: 11227339
    Abstract: A computer device and method for processing an insurance claim and making decisions regarding an insurance policy utilizing informatic data received from one or more informatic camera sensor devices configured to capture imagery data relating to an insured property. Analysis is performed on the received imagery informatic data to determine an assessment variable regarding the insured property. An insurance policy associated with the insured property is also received by the computer and analyzed to determine insurance coverage terms and conditions for the insured property. Predefined business rules are preferably applied by the computer using at least the determined assessment variable and the determined insurance coverage terms and conditions for the insured property to determine an event relating to the insurance policy associated with the insured property.
    Type: Grant
    Filed: December 21, 2018
    Date of Patent: January 18, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, David S. Franck, Michael J. Allen, Daniela M. Wheeler, Spencer E. Read, Kathleen L. Swain
  • Method and system for making rapid insurance policy decisions
    Patent number: 10740847
    Abstract: A computer system and method for processing data to make rapid decisions regarding an insurance policy. Data is received from one or more informatic sensor devices and databases relating to an insured or insured property. A decision is identified that is to be rendered regarding an insurance policy in association with the insured. Predictive analytics is performed on the received data to determine the decision to be rendered regarding the insurance policy. Notification is provided of the determined decision regarding the insurance policy.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: August 11, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, David S. Franck, Karen M. Moritz, Spencer E. Read, Daniela M. Wheeler, Eric Vaith, Erin E. McCaw, Christopher Maurice Norman, Jodi Jean Healy, Bharat Prasad, Kathleen L. Swain, Michael J. Allen