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1. 发明授权

US11551486B1 Vehicle monitoring system 有权
公开(公告)号：US11551486B1
公开(公告)日：2023-01-10
申请号：US15694266
申请日：2017-09-01
申请人： Progressive Casualty Insurance Company
发明人： William Curtis Everett , Richard Ashton Hutchinson , Wilbert John Steigerwald, III , William Andrew Say , Patrick Lawrence O'Malley , Dane Allen Shrallow , Raymond Scott Ling , Robert John McMillan
IPC分类号： G07C5/00 , G06Q10/08 , G06Q40/08
摘要： 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 from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files related to a level of risk or safety and other software that may be related to those files.

2. 发明授权

US10657603B1 Intelligent routing control 有权
公开(公告)号：US10657603B1
公开(公告)日：2020-05-19
申请号：US16374480
申请日：2019-04-03
申请人： Progressive Casualty Insurance Company
发明人： Jarrod D. Harding , Rick A. Bliss
IPC分类号： G06N99/00 , G06Q40/08 , G06F16/11 , G06N20/00 , G06F7/14 , G06F16/93
摘要： A system and method classify insurance documents. The system and method receive a request to access documents from an assessment queue stored in a memory of a device where each of the documents contain insurance data and have an associated destination and associated metadata. The system and method convert the set of documents encoded in a first file format to a second file format to remove the metadata. The system and method partition each document of the set of documents into separate stand-alone documents and converts each of the partitioned documents into separate recognition vectors. The system and method classifies the partitioned documents through an additive learning algorithm in which routing data is embedded in second metadata and merge the classified partitioned documents. The merged documents are routed to a remote destination independent of the originally intended destination and the associated metadata.

3. 发明授权

US09183593B2 Customizable insurance system 有权
标题翻译：可定制保险制度
公开(公告)号：US09183593B2
公开(公告)日：2015-11-10
申请号：US13864687
申请日：2013-04-17
申请人： Progressive Casualty Insurance Company
发明人： Dale A. Willis , David L. Rolnik , Glenn M. Renwick , Daniel Michael , Raymond S. Ling , Daniel Gehrmann , Faith Chiang , Patrick K. Callahan , Toby K. Alfred
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： 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.
摘要翻译：自动保险报价系统允许用户通过自助通信渠道申请一个或多个保险报价。该系统包括可以从远程位置接收申请者数据的接口。前端处理器选择性地将申请人数据传送到保存在存储器中的记录保存系统。控制器或报价处理器根据用户的政府法律选择和传送一个或多个允许的保险单，并且根据用户的价格和/或覆盖率偏好进行调整。系统通过界面向用户传达覆盖细节。

4. 发明授权

US08694788B1 Security system 有权
标题翻译：保安系统
公开(公告)号：US08694788B1
公开(公告)日：2014-04-08
申请号：US11117877
申请日：2005-04-29
申请人： Michael F. Thomas , Martin R. Polak , Dennis C. Kunc , Frank N. Stanich, Jr. , Raymond S. Ling
发明人： Michael F. Thomas , Martin R. Polak , Dennis C. Kunc , Frank N. Stanich, Jr. , Raymond S. Ling
IPC分类号： H04L9/32
CPC分类号： H04L63/0823 , H04L63/0478 , H04L63/08
摘要： A security system includes an interface, a main computer, and an application server. The interface enables a user to access a remote document related to a product. The main computer stores documents related to the product and generates a pair of localized encryption keys. The encryption keys include a first key that encrypts data and second key that decrypts the data. An application server that is remote from the interface transmits and receives the document from the interface. The main computer authenticates the integrity of the document in a local operation by signing the document with the first key before it is transmitted to the interface and by signing the document with the second key after it is received from the interface. A method of authenticating the integrity of information related to a selected product stored on a main computer includes generating the localized pair of encryption keys; signing the document with the first key at the main computer; transmitting the signed document to an interface or a Web browser; and signing the document with the second key at the main computer when the document is received from the interface or the Web browser.
摘要翻译：安全系统包括接口，主计算机和应用服务器。该界面使用户能够访问与产品相关的远程文档。主计算机存储与产品相关的文档，并生成一对本地化加密密钥。加密密钥包括加密数据的第一密钥和解密数据的第二密钥。远离界面的应用服务器从接口发送和接收文档。主计算机通过在发送到界面之前用第一个密钥签名文档，并且在从接口接收到第二个密钥之后通过第二个密钥签名文档来在本地操作中验证文档的完整性。验证与存储在主计算机上的所选产品有关的信息的完整性的方法包括生成本地化的加密密钥对; 在主计算机上用第一个键签署文件; 将签名的文档发送到接口或Web浏览器; 并且当从接口或Web浏览器接收到文档时，使用主计算机上的第二个键签署文档。

5. 发明授权

US10997559B1 Resource management system 有权
公开(公告)号：US10997559B1
公开(公告)日：2021-05-04
申请号：US16998614
申请日：2020-08-20
申请人： PROGRESSIVE CASUALTY INSURANCE COMPANY
发明人： Jason Hoehnen , Sara Edwards , Hassan Al Rawi , Sharon Parks , Dominic Valentino , Allen Layne
IPC分类号： H04L29/06 , G06Q10/10 , G06F16/242 , H04L9/08 , G06Q20/08 , G06Q30/06 , G06Q30/00 , H04L29/08 , G06F9/54 , H04W4/12 , G06Q40/00 , G06Q10/00
摘要： A system automatically manages remote and local data through a declarative client that retrieves, tracks, and caches data in response to a transmission from an interface. The declarative client sits on an immutable image served by a secure private cloud platform. A serverless compute engine receives the immutable image and a plurality of tasks that process the immutable image in a container. An application programming interface in communication with the declarative client extracts data via queries from a database. The declarative client includes a normalized in-memory cache that breaks up results of the queries into individual objects that are each associated with a unique identifier and a unique name. The extracted data is deconstructed downloaded content in which original computer assigned links between data elements are intercepted and mapped to redirected computer-generated local links that locate the downloaded content in a local database.

6. 发明申请

US20180197249A1 MOBILE INSURANCE PLATFORM SYSTEM 审中-公开
公开(公告)号：US20180197249A1
公开(公告)日：2018-07-12
申请号：US15916722
申请日：2018-03-09
申请人： Progressive Casualty Insurance Company
发明人： Matthew Daniel Lehman , Bradley Thomas Philips , Pawan Kumar Divakarla , Toby Kramer Alfred , William Curtis Everett , Brian Joseph Surtz , Raymond Scott Ling
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q20/322
摘要： A mobile insurance architecture includes a wireless communication interface that connects mobile client devices to wireless networks. An insurance server cluster that includes a group of independent network servers operates and appears to mobile client devices as if the group of independent network servers were a single computer server. An adaptive transmission controller communicates with the insurance server cluster and processes content in multiple mobile formats that may be optimized to the screen sizes of the mobile client devices. The insurance server cluster responds to native application clients resident to the mobile client devices. The native application clients contain code stored on a non-transitory media that render insurance quoting services, insurance claims services, on-line insurance policy services, usage based insurance services, mobile monitoring services, or insurance agency management services.

7. 发明授权

US08595034B2 Monitoring system for determining and communicating a cost of insurance 失效
标题翻译：用于确定和传达保险费用的监控系统
公开(公告)号：US08595034B2
公开(公告)日：2013-11-26
申请号：US13338959
申请日：2011-12-28
申请人： Alan Rex Bauer , Kurtis Tavis Burns , Michael Vincent Esposito , Patrick Lawrence O'Malley , Byron John Olexa , Robert John McMillan
发明人： Alan Rex Bauer , Kurtis Tavis Burns , Michael Vincent Esposito , Patrick Lawrence O'Malley , Byron John Olexa , Robert John McMillan
IPC分类号： G06Q40/02
CPC分类号： G06Q40/08 , G06Q40/02 , G07C5/008 , G07C5/08
摘要： Means are provided for recording, storing, calculating, communicating and reviewing one or more operational aspects of a machine. Insurance costs are based, in part, on activities of the machine operator. A discount may be provided in exchange for recording the operational aspects and providing the recorded information to the insurer. The party may review information and decide whether to provide it to the insurer. The means for reviewing may present comparative information. Information that causes insurance costs to vary may be highlighted. Provided data may be used to verify insurance application information, generate actuarial information or determine insurance rates. Operating data may be reviewed on a display medium so a party can observe how his operating behavior compares to that of other operators of similar machines and may be manipulated so a party can understand how changes in operating behavior can affect his insurance rates.
摘要翻译：提供用于记录，存储，计算，传达和审查机器的一个或多个操作方面的手段。保险费用部分基于机器操作员的活动。可以提供折扣来交换记录操作方面并将保存的信息提供给保险公司。该方可以审查信息，并决定是否将其提供给保险公司。审查手段可能会提供比较资料。导致保险成本变化的信息可能会突出显示。提供的数据可用于验证保险申请信息，生成精算信息或确定保险费率。操作数据可以在显示介质上进行审查，所以一方可以观察他的操作行为与类似机器的其他操作者的操作行为相比较，并且可以被操纵，使得一方可以理解操作行为的变化如何影响他的保险费率。

8. 发明授权

US08484046B1 Method and apparatus for internet on-line insurance policy service 有权
标题翻译：互联网在线保险服务的方法和设备
公开(公告)号：US08484046B1
公开(公告)日：2013-07-09
申请号：US12969211
申请日：2010-12-15
申请人： Alan R. Bauer , Amanda L. Bowman , Richard J. Keyser , Megan N. McNamara , Cheryl L. Urminski , Leslie Youngstrom , Toby Alfred
发明人： Alan R. Bauer , Amanda L. Bowman , Richard J. Keyser , Megan N. McNamara , Cheryl L. Urminski , Leslie Youngstrom , Toby Alfred
IPC分类号： G06Q10/00
CPC分类号： G06Q10/10 , G06Q40/08 , G06Q50/22
摘要： 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.
摘要翻译：互联网在线保险政策服务系统，有助于政策信息的实时自动化沟通，调整政策参数，计算和传达所产生的政策报价，实施政策变更，同时避免保险人员参与和监督沟通。该系统包括与现有策略信息的在线实时通信相关的多个软件模块，对策略参数的广泛变化的测试，计算和传达由这种变化导致的策略溢价的变化，传达期望的变化在政策参数和实施所需的政策变化。其他模块涉及索赔信息的通信和在线表单的提供。

9. 发明授权

US08140358B1 Vehicle monitoring system 有权
标题翻译：车辆监控系统
公开(公告)号：US08140358B1
公开(公告)日：2012-03-20
申请号：US12132487
申请日：2008-06-03
申请人： Raymond Scott Ling , Richard Ashton Hutchinson , Wilbert John Steigerwald, III , William Andrew Say , Patrick Lawrence O'Malley , Dane Allen Shrallow , William Curtis Everett , Robert John McMillan
发明人： Raymond Scott Ling , Richard Ashton Hutchinson , Wilbert John Steigerwald, III , William Andrew Say , Patrick Lawrence O'Malley , Dane Allen Shrallow , William Curtis Everett , Robert John McMillan
IPC分类号： G06Q40/00
CPC分类号： G07C5/008 , G06Q10/0833 , G06Q40/08
摘要： 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 from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files related to a level of risk or safety and other software that may be related to those files.
摘要翻译：数据记录设备跟踪车辆或驾驶员的操作动作。该设备包括可以是可移动的或便携式的存储设备，其具有可从车辆中读取并可被写入车辆的第一存储器部分和可以从车辆中读取并且可以被写入车辆的第二存储器部分。第二存储器部分可以保留与存储在第一可移动存储设备中的数据相关联的数据属性。处理器从汽车总线读取数据，将数据从车辆传感器传输到其他汽车部件。处理器将数据写入反映风险或安全级别的第一存储器部分和第二存储器部分。通信设备将存储设备链接到计算机网络。通信设备可以通过允许用户访问与风险级别或安全性相关的文件以及可能与这些文件相关的其他软件的软件来访问。

10. 发明授权

US07877269B2 Method and apparatus for internet on-line insurance policy service 有权
标题翻译：互联网在线保险服务的方法和设备
公开(公告)号：US07877269B2
公开(公告)日：2011-01-25
申请号：US11580324
申请日：2006-10-13
申请人： Alan R. Bauer , Amanda L. Bowman , Richard J. Keyser , Megan N. McNamara , Cheryl L. Urminski , Leslie Youngstrom , Toby Alfred
发明人： Alan R. Bauer , Amanda L. Bowman , Richard J. Keyser , Megan N. McNamara , Cheryl L. Urminski , Leslie Youngstrom , Toby Alfred
IPC分类号： G06Q10/00
CPC分类号： G06Q10/10 , G06Q40/08 , G06Q50/22
摘要： 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.
摘要翻译：互联网在线保险政策服务系统，有助于政策信息的实时自动化沟通，调整政策参数，计算和传达所产生的政策报价，实施政策变更，同时避免保险人员参与和监督沟通。该系统包括与现有策略信息的在线实时通信相关的多个软件模块，对策略参数的广泛变化的测试，计算和传达由这种变化导致的策略溢价的变化，传达期望的变化在政策参数和实施所需的政策变化。其他模块涉及索赔信息的通信和在线表单的提供。

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