Terrence A Mclean

US Patent:

8090600, Jan 3, 2012

Filed:

Jul 31, 2007

Appl. No.:

11/831834

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

Assignee:

Insight Catastrophe Solutions - New York NY

International Classification:

G06F 17/60

US Classification:

705 4, 705 2, 705 3

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk rater data-structure, which comprises an abstracted representation of a risk rating scheme that may be loaded into and/or interpreted by other system components to generate a user interface for processing risk information and generating insurance quotes.

US Patent:

8396726, Mar 12, 2013

Filed:

Nov 22, 2011

Appl. No.:

13/301951

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

Assignee:

Insight Catastrophe Solutions, LLC - New York NY

International Classification:

G06Q 40/00

US Classification:

705 4, 705 2, 705 3

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk rater data-structure, which comprises an abstracted representation of a risk rating scheme that may be loaded into and/or interpreted by other system components to generate a user interface for processing risk information and generating insurance quotes.

US Patent:

8442893, May 14, 2013

Filed:

Sep 27, 2010

Appl. No.:

12/891360

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

Assignee:

Insight Catastrophe Solutions, LLC - New York NY

International Classification:

G06Q 40/00

US Classification:

705 36R, 705 35, 705 38, 283 57, 283 58, 283 59

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.

US Patent:

8635140, Jan 21, 2014

Filed:

Sep 29, 2010

Appl. No.:

12/893278

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

Assignee:

Insight Catastrophe Group, LLC - New York NY

International Classification:

G06Q 40/00

US Classification:

705 36R, 705 35, 705 38, 283 57, 283 58, 283 59

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.

US Patent:

20080052135, Feb 28, 2008

Filed:

Jul 31, 2007

Appl. No.:

11/831848

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

International Classification:

G06Q 40/00

US Classification:

705004000

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of a risk evaluation product builder, which allows users to manipulate visual tools to generate a data-structure comprising an embodiment of a risk rating scheme and insurance quoting product.

US Patent:

20080052136, Feb 28, 2008

Filed:

Jul 31, 2007

Appl. No.:

11/831856

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

International Classification:

G06Q 40/00

US Classification:

705004000

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive a quote indicative of a price for binding an insurance policy to the candidate risk.

US Patent:

20080052137, Feb 28, 2008

Filed:

Jul 31, 2007

Appl. No.:

11/831869

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

International Classification:

G06Q 40/00

US Classification:

705004000

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.

US Patent:

20080065426, Mar 13, 2008

Filed:

Jul 31, 2007

Appl. No.:

11/831765

Inventors:

Richard Ziade - New York NY, US
Terrence McLean - New York NY, US

International Classification:

G06Q 40/00
G06F 17/10

US Classification:

705004000

Abstract:

The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of these tools, whereby loading a workbook data-structure yields a user interface into which a user may enter information descriptive of a candidate risk and receive a quote indicative of the price of binding an insurance policy for the candidate risk.