Patents by Inventor William Michael Durham

William Michael Durham 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).

  • Publication number: 20180260906
    Abstract: A system for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.
    Type: Application
    Filed: December 8, 2017
    Publication date: September 13, 2018
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, William Michael Durham, Dan Yang, Marc Pavese, Diane Marie Russell
  • Publication number: 20150019269
    Abstract: A system for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.
    Type: Application
    Filed: July 28, 2014
    Publication date: January 15, 2015
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, William Michael Durham, Dan Yang, Marc Pavese, Diane Marie Russell
  • Patent number: 8793146
    Abstract: A system for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.
    Type: Grant
    Filed: June 17, 2002
    Date of Patent: July 29, 2014
    Assignee: Genworth Holdings, Inc.
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, William Michael Durham, Dan Yang, Marc Pavese, Diane Marie Russell
  • Patent number: 7844476
    Abstract: A process for at least a partial underwriting of insurance policies is described. Based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made. This decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.
    Type: Grant
    Filed: June 14, 2002
    Date of Patent: November 30, 2010
    Assignee: Genworth Financial, Inc.
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, Dan Yang, Marc Pavese, Angela Neff Patterson, Antonio Mogro-Campero, Anil Varma, William Michael Durham, Diane Marie Russell, Rajesh Venkat Subbu
  • Patent number: 7844477
    Abstract: A process for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.
    Type: Grant
    Filed: June 18, 2002
    Date of Patent: November 30, 2010
    Assignee: Genworth Financial, Inc.
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, William Michael Durham, Dan Yang, Marc Pavese, Diane Marie Russell
  • Patent number: 7630910
    Abstract: A system for at least a partial underwriting of insurance policies is described. based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made. this decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.
    Type: Grant
    Filed: June 14, 2002
    Date of Patent: December 8, 2009
    Assignee: Genworth Financial, Inc.
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, Dan Yang, Marc Pavese, Angela Neff Patterson, Antonio Mogro-Campero, Anil Varma, William Michael Durham, Diane Marie Russell, Rajesh Venkat Subbu
  • Publication number: 20030187699
    Abstract: A system for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.
    Type: Application
    Filed: June 17, 2002
    Publication date: October 2, 2003
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, William Michael Durham, Dan Yang, Marc Pavese, Diane Marie Russell
  • Publication number: 20030187697
    Abstract: A process for at least a partial underwriting of insurance policies is described. Based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made. This decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.
    Type: Application
    Filed: June 14, 2002
    Publication date: October 2, 2003
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, Dan Yang, Marc Pavese, Angela Neff Patterson, Antonio Mogro-Campero, Anil Varma, William Michael Durham, Diane Marie Russell, Rajesh Venkat Subbu
  • Publication number: 20030187696
    Abstract: A system for at least a partial underwriting of insurance policies is described. based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made this decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.
    Type: Application
    Filed: June 14, 2002
    Publication date: October 2, 2003
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, Dan Yang, Marc Pavese, Angela Neff Patterson, Antonio Mogro-Campero, Anil Varma, William Michael Durham, Diane Marie Russell, Rajesh Venkat Subbu
  • Publication number: 20030187700
    Abstract: A process for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.
    Type: Application
    Filed: June 18, 2002
    Publication date: October 2, 2003
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, William Michael Durham, Dan Yang, Marc Pavese, Diane Marie Russell
  • Publication number: 20030182159
    Abstract: A process to structure and summarize the key information required by automated decision-making systems for insurance underwriting is described. The automated underwriting system may be based on rules corresponding to underwriting components, wherein based on the degree of satisfaction of each rule, a component may be assigned to a category, and based on the category for each component, the insurance application may be assigned an underwriting category, or the automated underwriting system may be based on an evaluation of the similarity of a given application to previous application requests, to decide an underwriting category. Most of the key information required for automated insurance underwriting is structured and standardized, except for the Attending Physician Statement (APS), which is almost as unique as each individual physician.
    Type: Application
    Filed: June 20, 2002
    Publication date: September 25, 2003
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, Angela Neff Patterson, Diane Marie Russell, William Michael Durham, Dan Yang, Marc Pavese, David Hjalmar Coburn, Antonio Mogro-Campero, Valerie Annette Merchant, John Anthony Orlando
  • Publication number: 20030177032
    Abstract: A system to structure and summarize the key information required by automated decision-making systems for insurance underwriting is described. The automated underwriting system may be based on rules corresponding to underwriting components, wherein based on the degree of satisfaction of each rule, a component may be assigned to a category, and based on the category for each component, the insurance application may be assigned an underwriting category, or the automated underwriting system may be based on an evaluation of the similarity of a given application to previous application requests, to decide an underwriting category. Most of the key information required for automated insurance underwriting is structured and standardized, except for the Attending Physician Statement (APS), which is almost as unique as each individual physician.
    Type: Application
    Filed: June 20, 2002
    Publication date: September 18, 2003
    Inventors: Piero Patrone Bonissone, Richard Paul Messmer, Angela Neff Patterson, Diane Marie Russell, William Michael Durham, Dan Yang, Marc Pavese, David Hjalmar Coburn, Antonio Mogro-Campero, Valerie Annette Merchent, John Anthony Orlando