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).
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Patent number: 8712795Abstract: 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: GrantFiled: September 14, 2012Date of Patent: April 29, 2014Assignee: Progressive Casualty Insurance CompanyInventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
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Patent number: 8484046Abstract: 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: GrantFiled: December 15, 2010Date of Patent: July 9, 2013Assignee: Progressive Casualty Insurance CompanyInventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
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Patent number: 8433588Abstract: 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: GrantFiled: June 10, 2009Date of Patent: April 30, 2013Assignee: Progressive Casualty Insurance CompanyInventors: Dale Willis, David Rolnik, Glenn Renwick, Daniel Michael, Raymond Ling, Dan Gehrmann, Faith Chiang, Patrick Callahan, Toby Alfred
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Patent number: 7877269Abstract: 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: GrantFiled: October 13, 2006Date of Patent: January 25, 2011Assignee: Progressive Casualty Insurance CompanyInventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
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Publication number: 20100223078Abstract: 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: ApplicationFiled: June 10, 2009Publication date: September 2, 2010Inventors: Dale Willis, David Rolnik, Glenn Renwick, Daniel Michael, Ray Ling, Dan Gehrmann, Faith Chiang, Patrick Callahan, Toby Alfred
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Publication number: 20070038488Abstract: 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: ApplicationFiled: October 13, 2006Publication date: February 15, 2007Inventors: Alan Bauer, Amanda Bowman, Richard Keyser, Megan McNamara, Cheryl Urminski, Leslie Youngstrom, Toby Alfred
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Patent number: 7124088Abstract: 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: GrantFiled: July 30, 1999Date of Patent: October 17, 2006Assignee: Progressive Casualty Insurance CompanyInventors: Alan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred
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Publication number: 20020116228Abstract: 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: ApplicationFiled: July 30, 1999Publication date: August 22, 2002Inventors: ALAN R. BAUER, AMANDA L. BOWMAN, RICHARD J. KEYSER, MEGAN N. MCNAMARA, CHERYL L. URMINSKI, LESLIE YOUNGSTROM, TOBY ALFRED