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1. 发明申请

US20200089398A1 Systems, Computer Implemented Methods, Geographic Weather-Data Selection Interface Display, and Computer Readable Medium Having Program Products to Generate User-Customized Virtual Weather Data and User-Customized Weather-Risk Products Responsive Thereto 审中-公开
公开(公告)号：US20200089398A1
公开(公告)日：2020-03-19
申请号：US16690209
申请日：2019-11-21
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim J. Watts , Craig R. Landgren , Steven A. Loar , John Kuhling , Myles Watts
IPC分类号： G06F3/0484 , H04L12/24 , G01W1/00 , G06F16/951 , G06F3/0481 , G06Q10/10 , G06F3/0482
摘要： Systems, computer implemented methods, and computer readable medium having program products are provided to customize by a user weather-risk products and to provide a customized weather-risk product to be purchased by user. Embodiments of a system include a tract-user computer having a display to display graphical user interfaces to a user and an input to receive user selections, the tract-user computer being connected to a communications network to receive graphical user interfaces and transmit user selections to a weather-risk product issuer computer. Embodiments of a system can also include a database to associate user selections with actuarial data, location data, and basis weather data and a weather-risk product issuer computer to transmit graphical user interfaces to the tract-user computer, receive user selections, and process user selections to generate virtual weather data and to generate weather-risk products.

2. 发明授权

US10540722B2 Systems, computer-implemented methods, and computer medium to determine premiums for supplemental crop insurance 有权
公开(公告)号：US10540722B2
公开(公告)日：2020-01-21
申请号：US14184883
申请日：2014-02-20
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim Watts , Alex Offerdahl , Joe Atwood , Jim Driscoll , Steve Loar , Jeff Stabnow
IPC分类号： G06Q40/08
摘要： Provided are systems, machines, non-transitory computer medium having computer program instructions stored thereon, and computer-implemented methods for providing a premium for a supplemental crop insurance policy. The methods include identifying policy information for the policy (including a crop type, expected yield, a selected coverage level, and one or more discovery periods), generating simulated potential price trajectories for the crop type over a given time period that includes the one or more discovery periods, determining simulated prices based on the simulated potential price trajectories, generating simulated correlated price-yield realizations for the crop type over the given time period, determining simulated yields based on the simulated correlated price-yield realizations, determining a premium rate as a function of the expected yield, the selected coverage level, the simulated prices and the simulated yields, and providing the premium rate for use in determining a premium amount for the policy.

3. 发明授权

US09306811B2 Systems, computer implemented methods, geographic weather-data selection interface display, and computer readable medium having program products to generate user-customized virtual weather data and user-customized weather-risk products responsive thereto 有权
公开(公告)号：US09306811B2
公开(公告)日：2016-04-05
申请号：US14055329
申请日：2013-10-16
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim J. Watts , Craig R. Landgren , Steven A. Loar , John Kuhling , Myles Watts
IPC分类号： G06F3/048 , H04L12/24 , G06F3/0481 , G06F3/0484 , G06F3/0482 , G06Q10/10 , G01W1/00
CPC分类号： G06F3/04847 , G01W1/00 , G06F3/0481 , G06F3/04817 , G06F3/0482 , G06F3/0484 , G06F3/04842 , G06F17/30864 , G06Q10/10 , H04L41/22
摘要： Systems, computer implemented methods, and computer readable medium having program products are provided to customize by a user weather-risk products and to provide a customized weather-risk product to be purchased by user. Embodiments of a system include a tract-user computer having a display to display graphical user interfaces to a user and an input to receive user selections, the tract-user computer being connected to a communications network to receive graphical user interfaces and transmit user selections to a weather-risk product issuer computer. Embodiments of a system can also include a database to associate user selections with actuarial data, location data, and basis weather data and a weather-risk product issuer computer to transmit graphical user interfaces to the tract-user computer, receive user selections, and process user selections to generate virtual weather data and to generate weather-risk products.

4. 发明授权

US08688483B2 Systems, computer-implemented methods, and computer medium to determine premiums and indemnities for supplemental crop insurance 有权
标题翻译：系统，计算机实施的方法和计算机媒介，以确定补充作物保险的保费和赔偿
公开(公告)号：US08688483B2
公开(公告)日：2014-04-01
申请号：US14016961
申请日：2013-09-03
申请人： Watts and Associates, Inc.
发明人： Tim J. Watts , Alex Offerdahl , Joe Atwood , Jim Driscoll , Steve Loar , Jeff Stabnow
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q50/02
摘要： Provided are systems, machines, non-transitory computer medium having computer program instructions stored thereon, and computer-implemented methods for providing a premium or an indemnity for a supplemental crop insurance policy. The methods including providing for display of a supplemental crop insurance policy information content page including one or more loss parameter fields to be populated by a user with a corresponding set of supplemental crop insurance parameters, receiving a set of supplemental crop insurance parameters submitted by a user via populating the one or more parameter fields of the supplemental crop insurance policy information content page, determining a premium or an indemnity for the supplemental crop insurance policy based at least in part on the set of supplemental crop insurance parameters, and providing for the display of a supplemental crop insurance policy content page including the premium or the indemnity for the supplemental crop insurance policy.
摘要翻译：所提供的系统，机器，具有存储在其上的计算机程序指令的非暂时计算机介质，以及用于为补充作物保险单提供溢价或赔偿的计算机实现的方法。所述方法包括提供补充作物保险单信息内容页面的显示，所述补充作物保险单信息内容页面包括要由用户填充的一个或多个损失参数字段和相应的一组补充作物保险参数，接收由用户提交的一组补充作物保险参数通过填充补充作物保险单信息内容页面的一个或多个参数字段，至少部分地基于补充作物保险参数的集合来确定补充作物保险单的溢价或赔偿，并且提供显示补充作物保险政策内容页面，包括补充作物保险单的保费或赔偿。

5. 发明申请

US20160170627A1 Systems, Computer Implemented Methods, Geographic Weather-Data Selection Interface Display, and Computer Readable Medium Having Program Products to Generate User-Customized Virtual Weather Data and User-Customized Weather-Risk Products Responsive Thereto 审中-公开
标题翻译：系统，计算机实施方法，地理天气数据选择界面显示和计算机可读介质，使程序产品生成用户定制的虚拟天气数据和用户定制的天气 - 风险产品
公开(公告)号：US20160170627A1
公开(公告)日：2016-06-16
申请号：US15051835
申请日：2016-02-24
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim J. Watts , Craig R. Landgren , Steven A. Loar , John Kuhling , Myles Watts
IPC分类号： G06F3/0484 , G06F3/0482 , G06F17/30 , H04L12/24
CPC分类号： G06F3/04847 , G01W1/00 , G06F3/0481 , G06F3/04817 , G06F3/0482 , G06F3/0484 , G06F3/04842 , G06F16/951 , G06Q10/10 , H04L41/22
摘要： Systems, computer implemented methods, and computer readable medium having program products are provided to customize by a user weather-risk products and to provide a customized weather-risk product to be purchased by user. Embodiments of a system include a tract-user computer having a display to display graphical user interfaces to a user and an input to receive user selections, the tract-user computer being connected to a communications network to receive graphical user interfaces and transmit user selections to a weather-risk product issuer computer. Embodiments of a system can also include a database to associate user selections with actuarial data, location data, and basis weather data and a weather-risk product issuer computer to transmit graphical user interfaces to the tract-user computer, receive user selections, and process user selections to generate virtual weather data and to generate weather-risk products.
摘要翻译：提供具有程序产品的系统，计算机实现的方法和具有程序产品的计算机可读介质，以由用户定制天气风险产品，并提供要由用户购买的定制的天气风险产品。系统的实施例包括具有用于向用户显示图形用户界面和用于接收用户选择的输入的显示器的管道用户计算机，所述管道用户计算机连接到通信网络以接收图形用户界面并将用户选择发送到一种天气危险的产品发行者计算机。系统的实施例还可以包括将用户选择与精算数据，位置数据和基础天气数据相关联的数据库以及天气风险产品发行者计算机，以将图形用户界面传送到道路用户计算机，接收用户选择和处理用户选择以生成虚拟天气数据并生成天气风险产品。

6. 发明申请

US20140207495A1 SYSTEMS, COMPUTER-IMPLEMENTED METHODS, AND COMPUTER MEDIUM TO DETERMINE PREMIUMS AND INDEMNITIES FOR SUPPLEMENTAL CROP INSURANCE 审中-公开
标题翻译：系统，计算机执行方法和计算机媒介确定补充作物保险的优先权和赔偿责任
公开(公告)号：US20140207495A1
公开(公告)日：2014-07-24
申请号：US14202894
申请日：2014-03-10
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim Watts , Alex Offerdahl , Joe Atwood , Jim Driscoll , Steve Loar , Jeff Stabnow
IPC分类号： G06Q40/08 , G06Q50/02
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q50/02
摘要： Provided are systems, machines, non-transitory computer medium having computer program instructions stored thereon, and computer-implemented methods for providing a premium or an indemnity for a supplemental crop insurance policy. The methods including providing for display of a supplemental crop insurance policy information content page including one or more loss parameter fields to be populated by a user with a corresponding set of supplemental crop insurance parameters, receiving a set of supplemental crop insurance parameters submitted by a user via populating the one or more parameter fields of the supplemental crop insurance policy information content page, determining a premium or an indemnity for the supplemental crop insurance policy based at least in part on the set of supplemental crop insurance parameters, and providing for the display of a supplemental crop insurance policy content page including the premium or the indemnity for the supplemental crop insurance policy.
摘要翻译：所提供的系统，机器，具有存储在其上的计算机程序指令的非暂时计算机介质，以及用于为补充作物保险单提供溢价或赔偿的计算机实现的方法。所述方法包括提供补充作物保险单信息内容页面的显示，所述补充作物保险单信息内容页面包括要由用户填充的一个或多个损失参数字段和相应的一组补充作物保险参数，接收由用户提交的一组补充作物保险参数通过填充补充作物保险单信息内容页面的一个或多个参数字段，至少部分地基于补充作物保险参数的集合来确定补充作物保险单的溢价或赔偿，并且提供显示补充作物保险政策内容页面，包括补充作物保险单的保费或赔偿。

7. 发明申请

US20140172470A1 Systems, Computer-Implemented Methods, and Computer Medium to Determine Premiums for Supplemental Crop Insurance 审中-公开
标题翻译：系统，计算机实施方法和计算机媒介，以确定补充作物保险的保费
公开(公告)号：US20140172470A1
公开(公告)日：2014-06-19
申请号：US14184883
申请日：2014-02-20
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim Watts , Alex Offerdahl , Joe Atwood , Jim Driscoll , Steve Loar , Jeff Stabnow
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： Provided are systems, machines, non-transitory computer medium having computer program instructions stored thereon, and computer-implemented methods for providing a premium for a supplemental crop insurance policy. The methods include identifying policy information for the policy (including a crop type, expected yield, a selected coverage level, and one or more discovery periods), generating simulated potential price trajectories for the crop type over a given time period that includes the one or more discovery periods, determining simulated prices based on the simulated potential price trajectories, generating simulated correlated price-yield realizations for the crop type over the given time period, determining simulated yields based on the simulated correlated price-yield realizations, determining a premium rate as a function of the expected yield, the selected coverage level, the simulated prices and the simulated yields, and providing the premium rate for use in determining a premium amount for the policy.
摘要翻译：所提供的系统，机器，其上存储有计算机程序指令的非暂时计算机介质以及用于为补充作物保险单提供溢价的计算机实现的方法。所述方法包括识别策略的策略信息（包括作物类型，预期产量，所选覆盖水平和一个或多个发现周期），在给定时间段内生成用于作物类型的模拟潜在价格轨迹，所述给定时间段包括所述一个或更多的发现期，根据模拟的潜在价格轨迹确定模拟价格，在给定时间段内为作物类型生成模拟的相关价格收益实现，基于模拟的相关价格收益实现确定模拟收益率，确定溢价率为预期收益率，所选覆盖水平，模拟价格和模拟收益率的函数，以及提供用于确定保单的保费金额的溢价率。

8. 发明申请

US20140047344A1 Systems, Computer Implemented Methods, Geographic Weather-Data Selection Interface Display, and Computer Readable Medium Having Program Products to Generate User-Customized Virtual Weather Data and User-Customized Weather-Risk Products Responsive Thereto 有权
标题翻译：系统，计算机实施方法，地理天气数据选择界面显示和计算机可读介质，使程序产品生成用户定制的虚拟天气数据和用户定制的天气 - 风险产品
公开(公告)号：US20140047344A1
公开(公告)日：2014-02-13
申请号：US14055329
申请日：2013-10-16
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim J. Watts , Craig R. Landgren , Steven A. Loar , John Kuhling , Myles Watts
IPC分类号： H04L12/24
CPC分类号： G06F3/04847 , G01W1/00 , G06F3/0481 , G06F3/04817 , G06F3/0482 , G06F3/0484 , G06F3/04842 , G06F17/30864 , G06Q10/10 , H04L41/22
摘要： Systems, computer implemented methods, and computer readable medium having program products are provided to customize by a user weather-risk products and to provide a customized weather-risk product to be purchased by user. Embodiments of a system include a tract-user computer having a display to display graphical user interfaces to a user and an input to receive user selections, the tract-user computer being connected to a communications network to receive graphical user interfaces and transmit user selections to a weather-risk product issuer computer. Embodiments of a system can also include a database to associate user selections with actuarial data, location data, and basis weather data and a weather-risk product issuer computer to transmit graphical user interfaces to the tract-user computer, receive user selections, and process user selections to generate virtual weather data and to generate weather-risk products.
摘要翻译：提供具有程序产品的系统，计算机实现的方法和具有程序产品的计算机可读介质，以由用户定制天气风险产品，并提供要由用户购买的定制的天气风险产品。系统的实施例包括具有用于向用户显示图形用户界面和用于接收用户选择的输入的显示器的管道用户计算机，所述管道用户计算机连接到通信网络以接收图形用户界面并将用户选择发送到一种天气危险的产品发行者计算机。系统的实施例还可以包括将用户选择与精算数据，位置数据和基础天气数据相关联的数据库以及天气风险产品发行者计算机，以将图形用户界面传送到道路用户计算机，接收用户选择和处理用户选择以生成虚拟天气数据并生成天气风险产品。

9. 发明申请

US20140012606A1 Systems, Computer-Implemented Methods, and Computer Medium to Determine Premiums and Indemnities for Supplemental Crop Insurance 有权
标题翻译：系统，计算机实施方法和计算机媒介，以确定补充作物保险的保费和赔偿
公开(公告)号：US20140012606A1
公开(公告)日：2014-01-09
申请号：US14016961
申请日：2013-09-03
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim J. Watts , Alex Offerdahl , Joe Atwood , Jim Driscoll , Steve Loar , Jeff Stabnow
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q40/00 , G06Q50/02
摘要： Provided are systems, machines, non-transitory computer medium having computer program instructions stored thereon, and computer-implemented methods for providing a premium or an indemnity for a supplemental crop insurance policy. The methods including providing for display of a supplemental crop insurance policy information content page including one or more loss parameter fields to be populated by a user with a corresponding set of supplemental crop insurance parameters, receiving a set of supplemental crop insurance parameters submitted by a user via populating the one or more parameter fields of the supplemental crop insurance policy information content page, determining a premium or an indemnity for the supplemental crop insurance policy based at least in part on the set of supplemental crop insurance parameters, and providing for the display of a supplemental crop insurance policy content page including the premium or the indemnity for the supplemental crop insurance policy.
摘要翻译：所提供的系统，机器，具有存储在其上的计算机程序指令的非暂时计算机介质，以及用于为补充作物保险单提供溢价或赔偿的计算机实现的方法。所述方法包括提供补充作物保险单信息内容页面的显示，所述补充作物保险单信息内容页面包括要由用户填充的一个或多个损失参数字段和相应的一组补充作物保险参数，接收由用户提交的一组补充作物保险参数通过填充补充作物保险单信息内容页面的一个或多个参数字段，至少部分地基于补充作物保险参数的集合来确定补充作物保险单的溢价或赔偿，并且提供显示补充作物保险政策内容页面，包括补充作物保险单的保费或赔偿。

10. 发明授权

US10521095B2 Systems, computer implemented methods, geographic weather-data selection interface display, and computer readable medium having program products to generate user-customized virtual weather data and user-customized weather-risk products responsive thereto 有权
公开(公告)号：US10521095B2
公开(公告)日：2019-12-31
申请号：US15051835
申请日：2016-02-24
申请人： WATTS AND ASSOCIATES, INC.
发明人： Tim J. Watts , Craig R. Landgren , Steven A. Loar , John Kuhling , Myles Watts
IPC分类号： G06F3/0481 , G06F3/0484 , G06F3/0482 , G06Q10/10 , G06F16/951 , G01W1/00 , H04L12/24
摘要： Systems, computer implemented methods, and computer readable medium having program products are provided to customize by a user weather-risk products and to provide a customized weather-risk product to be purchased by user. Embodiments of a system include a tract-user computer having a display to display graphical user interfaces to a user and an input to receive user selections, the tract-user computer being connected to a communications network to receive graphical user interfaces and transmit user selections to a weather-risk product issuer computer. Embodiments of a system can also include a database to associate user selections with actuarial data, location data, and basis weather data and a weather-risk product issuer computer to transmit graphical user interfaces to the tract-user computer, receive user selections, and process user selections to generate virtual weather data and to generate weather-risk products.

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