Progressive Casualty Insurance Company

Raymond Scott Ling

William Curtis Everett

Richard Ashton Hutchinson

Toby Kramer Alfred

Robert John McMillan

Patrick Lawrence O'Malley

Wilbert John Steigerwald, Iii

William Andrew Say

Dane Allen Shrallow

Brian Joseph Surtz

Bradley Thomas Philips

Matthew Daniel Lehman

Pawan Kumar Divakarla

David W Pratt

Martin R Polak

Glenn M Renwick

Michael F Thomas

Dennis C Kunc

Frank N Stanich, Jr

Dale A Willis

David L Rolnik

Daniel Michael

Faith Chiang

Patrick K Callahan

Michael Vincent Esposito

Elke Marie Blankenship

Charles Allen Kordes

Daniel Gehrmann

Wendy Courtney Garcia

Dan Gehrmann

A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.

Multivariate predictive 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 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.

Vehicle monitoring system

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.

Mobile insurance platform system

An automated system allows users to request one or more insurance quotes through a self-service and/or agent-service communication channel. The system includes an interface that may receive user data from a remote or local system or application. A front-end application or system selectively passes a user's data to a record keeping system. A quote server or a quote processor generates one or more insurance quotes that are customized to the user's price and/or coverage preferences. A recommendation engine recommends one or more insurance coverages based on the information known about that user and in some instances, based on information known about others. The recommendation engine may call attention to selected insurance coverages that do not include a coverage feature or match a recommended coverage level.

Insurance coverage checker 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 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.

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.

Security system

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.

Customizable insurance system

Growing community of inventors

Westlake, OH, United States of America

Raymond Scott Ling