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9043358 Enterprise search over private and public data  
A unified search service may collect information related to an enterprise from at least one of publicly available data and private enterprise data. In some implementations, crowd sourcing may be...
9037394 System and method to determine an initial insurance policy benefit based on telematics data collected by a smartphone  
A system and method are disclosed herein to determine an insurance policy benefit based on telematics data. The system includes a computer memory and a processor in communication with the computer...
9037481 System and method for intelligent customer data analytics  
According to some embodiments, an insurance business process may have a series of business process actions. Moreover, point of service customer interaction data associated with the insurance...
9037726 Apparatus and methods for managing messages sent between services  
Disclosed are methods and apparatus for managing services within a computer network. In one embodiment, a message interchange network for exchanging application-level messages between services,...
9026473 Using bi-directional communications in a market-based resource allocation system  
Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. In one exemplary...
9020873 Decision engine using a finite state machine for conducting randomized experiments  
Systems, apparatus, methods and articles of manufacture provide for implementing a decision engine using a finite state machine for conducting randomized experiments. According to some...
9019092 Determining whether a vehicle is parked for automated accident detection, fault attribution, and claims processing  
Sensors installed at a vehicle may automatically detect that a disturbance event, such as a collision, has occurred at the vehicle. A disturbance response module installed at the vehicle may...
9015074 Device and method for facilitating financial transactions  
A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated...
9008285 System and method for interactive voice response unit table-based programming  
An embodiment provides a modular framework for managing multiple router applications in an interactive voice response (IVR) system. In an embodiment, a single table-driven framework approach is...
9009074 Systems and methods for generating electronic spare parts catalogs for complex systems and machines  
Systems and methods are provided for generating and publishing electronic spare parts catalogs that support electronic business processes for managing and selling spare parts for complex machines...
9002720 Online method for training vehicle drivers and determining hazard detection proficiency  
A method for training vehicle drivers to detect hazards, the method having step that include: visually presenting to a driver a continuous drive through a driving environment comprised of at least...
9000903 Systems and methods for vehicle monitoring  
A monitoring service is configured to receive monitoring data from one or more collision detection systems. The monitoring data may comprise collision detection information, such as a collision...
9002719 Device and method for building claim assessment  
Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and...
8996672 Application data layer coverage discovery and gap analysis  
Systems and methods that receive at information technology (IT) management system data from at least two IT management systems, wherein the data identifies resource coverage known to each...
8996234 Driver performance determination based on geolocation  
A system for determining driver performance based on vehicle geolocation comprises one or more onboard vehicle sensors, one or more processors, and a memory. The one or more onboard vehicle...
8996576 Systems and methods for creating geographic connection matrices  
ZIP code connection matrices are created for use in insurance ratemaking by identifying common borders of geographically defined regions. ZIP codes and associated cartographic boundaries are read...
8972203 Disaster-affected area estimation device and program  
By using information collected on-site, estimation of a damage area at that time and also prediction regarding subsequent expansion of a disaster-affected area are performed. The estimation device...
8970375 Memory tag, method for providing information and enabling the release of stored content, and apparatus therefor  
A method of providing information, the method comprising interrogating a memory tag; receiving content from the memory tag by wireless electromagnetic communication in response to the...
8965778 Benefit Management  
Methods, devices and systems are provided for benefit management. One system includes a server including an application interface and access to a data store having one or more client files. A...
8954340 Risk evaluation based on vehicle operator behavior  
A method for ascertaining the risk associated with the driver of a vehicle utilizes three-dimensional (3D) motion sensing data. A server gathers motion sensing data from one or more motion sensing...
8949138 Managing an insurance product with an insurance value chain  
A method of managing an insurance value chain is disclosed. A specification of an insurance policy having a set of attributes is received. Sets of values corresponding to the set of attributes are...
8935036 Systems and methods for updating a driving tip model using telematics data  
Methods and systems for improving vehicular safety by utilizing a driving tip model are provided. According to embodiments, an analysis server can analyze telematics data associated with operation...
8935380 Automated product knowledge catalog  
A product catalog is associated with a rules service allowing administrators to conduct examinations of a computer system's health. Rules services establish a set of rules to be run against a...
8930205 Method and system for personalized healthcare related expense investment planning  
A method and system for personalized healthcare related expense investment planning includes a process for personalized healthcare related expense investment planning whereby, in one embodiment, a...
8930232 ***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Claim and progression management
 
The present invention is a computer implemented method and system for gathering information from a user related to, filing for, and obtaining government benefits, such as Social Security benefits....
8930227 Online system for training novice drivers and rating insurance products  
A system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, wherein an Internet device presents a visual presentation of a continuous drive through a...
8930229 Systems and methods using a mobile device to collect data for insurance premiums  
A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising:...
8930231 Methods using a mobile device to provide data for insurance premiums to a remote computer  
A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle...
8930228 Interactive systems and methods for insurance-related activities  
Systems and methods for performing insurance related activities are provided. Software can be implemented to provide an application that includes an interactive interface for use by insurance...
8930230 System and method having a hierarchical model with override capability for generating a flexible insurance plan  
A system and method for implementing an insurance plan to coordinate an adjudication of a submitted claim corresponding to the plan. The plan includes a people model and a benefit model, such as...
8930263 Credit data analysis  
A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system...
8930253 Interactive systems and methods for estate planning related activities  
Systems and methods for performing insurance related activities are provided. Software can be implemented to provide a (optionally networked) application that includes an interactive interface for...
8930204 Determining lifestyle recommendations using aggregated personal information  
A computer-implemented method for determining lifestyle recommendations includes receiving lifestyle information and healthcare information corresponding to an individual from a personal...
8924242 Weather risk management system  
This disclosure relates to a system for managing financial risk associated with weather-based service contracts, and more specifically, to a system based on the purchase of weather derivatives to...
8924241 System and method to determine an insurance policy benefit associated with an asset  
A system and method are disclosed herein to determine an insurance benefit associated with an insurance policy for an asset, such as an automobile or a residence. The system includes a computer...
8924240 System for monitoring vehicle and operator behavior  
A system for monitoring operator and motor vehicle behavior, including at least one mobile device; application software resident on the mobile device, wherein the application software is operative...
8924237 Database for pre-screening potentially litigious patients  
A database system stores information about potential patients that allows medical professionals to gauge the legal risk presented by the potential patients, giving the medical professionals the...
8924231 Healthcare provider, administrator and method for effectuating a medication therapy management, adherence and pharmacosurveillance program  
A method is provided that includes initiating adjudication of a primary claim in response to a purchase transaction at a primary payer for a client at a point of sale of a healthcare provider, and...
8918306 System and method for providing dynamic insurance portal transaction authentication and authorization  
Systems and methods are disclosed herein for managing electronic access to a plurality of computerized insurance services. A network interface is configured to receive a user identity provided by...
8914299 System and method for compliance and operations management  
A system and method for identifying at least one legal authority related to the insurance industry and tracking responsive procedures. The system and method include a processor configured to...
8909540 Methods and systems for providing and maintaining retirement income  
Methods and systems for the provision of a targeted risk-protected minimum income benefit or protected distribution through the design and management of a trust that allows for exposure to the...
8903425 Method and system for accessing places  
A method for automatic access to a pre-reserved place may operate on a hotel reservation system, which can communicate with a user smart phone application. The method includes receiving a request...
8892451 Vehicle monitoring system  
A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read...
8892078 Method and system for representing multimedia ring tone for IM  
A method and system for presenting an MRT for an IM is provided. In an Instant Messaging Application Server (IM-AS), an MRT presenting rule of the IM is set for a user; when the IM-AS receives an...
8892452 Systems and methods for adjusting insurance workflow  
Systems and methods are disclosed herein for identifying potential insurance prospects. The potential customers or prospects are identified by determining prospect underwriting affinity scores,...
8886591 Adaptive data model and warehouse palette  
Systems, methods, and other embodiments associated with and\ adaptive data model and warehouse palette are provided. In one embodiment, a method includes providing a user interface for collecting...
8880452 Data structure and method for performing mishap risk of a system  
A computer-implemented method is provided for performing mishap risk assessment within a system. The method includes providing a first set of data including risk information associated with at...
8874454 Systems and methods for assessing a roof  
A damage assessment module operating on a computer system automatically evaluates a roof, estimating damage to the roof by analyzing a point cloud of a roof. The damage assessment module...
8862486 Methods and systems for driver identification  
A method of determining vehicle entry information for a user includes obtaining a yaw measurement using a mobile device, determining, using a processor, a first time span associated with a user...
8862507 System and method for conducting web-based financial transactions in capital markets  
The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to interactively engage in capital market transactions, including...