Patents by Inventor Toby Alfred

Toby Alfred 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: 8712795
    Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: April 29, 2014
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • Patent number: 8484046
    Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
    Type: Grant
    Filed: December 15, 2010
    Date of Patent: July 9, 2013
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • Patent number: 8433588
    Abstract: An automated insurance quote system allows users to apply for one or more insurance quotes through a self-service communication channel. The system includes an interface that may receive applicant data from a remote location. A front-end processor selectively passes applicant data to a record keeping system retained in a memory. A controller or quote processors selects and transmits one or more insurance policies that are allowed under a user's governmental law and are tailored to the user's price and/or coverage preferences. The system conveys coverage details to users through the interface.
    Type: Grant
    Filed: June 10, 2009
    Date of Patent: April 30, 2013
    Assignee: Progressive Casualty Insurance Company
    Inventors: Dale Willis, David Rolnik, Glenn Renwick, Daniel Michael, Raymond Ling, Dan Gehrmann, Faith Chiang, Patrick Callahan, Toby Alfred
  • Patent number: 7877269
    Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
    Type: Grant
    Filed: October 13, 2006
    Date of Patent: January 25, 2011
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • Publication number: 20100223078
    Abstract: An automated insurance quote system allows users to apply for one or more insurance quotes through a self-service communication channel. The system includes an interface that may receive applicant data from a remote location. A front-end processor selectively passes applicant data to a record keeping system retained in a memory. A controller or quote processors selects and transmits one or more insurance policies that are allowed under a user's governmental law and are tailored to the user's price and/or coverage preferences. The system conveys coverage details to users through the interface.
    Type: Application
    Filed: June 10, 2009
    Publication date: September 2, 2010
    Inventors: Dale Willis, David Rolnik, Glenn Renwick, Daniel Michael, Ray Ling, Dan Gehrmann, Faith Chiang, Patrick Callahan, Toby Alfred
  • Publication number: 20070038488
    Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
    Type: Application
    Filed: October 13, 2006
    Publication date: February 15, 2007
    Inventors: Alan Bauer, Amanda Bowman, Richard Keyser, Megan McNamara, Cheryl Urminski, Leslie Youngstrom, Toby Alfred
  • Patent number: 7124088
    Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
    Type: Grant
    Filed: July 30, 1999
    Date of Patent: October 17, 2006
    Assignee: Progressive Casualty Insurance Company
    Inventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
  • Publication number: 20020116228
    Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
    Type: Application
    Filed: July 30, 1999
    Publication date: August 22, 2002
    Inventors: ALAN R. BAUER, AMANDA L. BOWMAN, RICHARD J. KEYSER, MEGAN N. MCNAMARA, CHERYL L. URMINSKI, LESLIE YOUNGSTROM, TOBY ALFRED