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Assignee: Allstate Insurance Company


Location: Northbrook, IL
No. of patents: 29

NumberTitleIssue Date
D652425Portion of a display screen with a user interface
01/17/2012
8086523Credit risk evaluation with responsibility factors
A system, device, and method for calculating an enhanced credit score using insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, vehicle monitoring rating factors, and/or credit risk information is disclosed...
12/27/2011
8065169Real-time insurance estimate based on non-personal identifying information
Methods and systems for providing estimated insurance quotes/premiums are described herein. After analyzing rate factors, a subset of rate factors are selected that yield a fairly accurate estimated insurance premium from a minimum amount of information easily obtai...
11/22/2011
8046246Processing an application for insurance coverage
Systems and methods provide customizable insurance according to consumer preferences. Demand simulators may be used to guide the creation of optimized packages of features, which consumers may select from to form an insurance product appropriate for their particular...
10/25/2011
8046245Systems and methods for optimizing property risk ratings
Systems and methods provide optimized property risk ratings and, more particularly, optimized property risk ratings defined by evaluating ratings on a by peril basis. Systems and methods also price insurance products and underwrite insurance products using risk data...
10/25/2011
8046244Systems and methods for customizing insurance
Systems and methods provide customizable insurance according to consumer preferences. Demand simulators may be used to guide the creation of optimized packages of features, which consumers may select from to form an insurance product appropriate for their particular...
10/25/2011
8041648Retail location services
Methods of preparing retail establishments are disclosed. An area for a retail location may be chosen and an individual may be selected to manage the retail location. The selection of the area may include an evaluation of geographical factors. From the area, a retai...
10/18/2011
8036968Annuity having interest rate coupled to a referenced interest rate
The methods described herein provide a guaranteed rate of return for a guarantee period of a financial account while at the same time providing upward adjustments to the interest rate if there is a corresponding increase in a specified referenced rate. The guarantee...
10/11/2011
D645051Portion of a display screen with a color user interface
09/13/2011
7996247Insurance premium gap analysis
A method and apparatus for determining the amount of premium, policies, or quotations needed to improve market share in various geographic locations based on user selected criteria. The method comprises calculating a total estimated expenditure on insurance by zip c...
08/09/2011
D642589Portion of a display screen with a user interface
08/02/2011
D642194Portion of a display screen with a user interface
07/26/2011
7937278Usage-based insurance cost determination system and method
A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distan...
05/03/2011
D628626Reporting sheet
12/07/2010
D628625Reporting sheet
12/07/2010
D624120Reporting sheet
09/21/2010
D624119Reporting sheet
09/21/2010
7774217Systems and methods for customizing automobile insurance
Systems and methods provide customizable insurance according to consumer preferences. Demand simulators may be used to guide the creation of optimized packages of features, which consumers may select from to form an insurance product appropriate for their particular...
08/10/2010
7769609Systems and methods for determining territorial rates
Methods and systems use regions defined by ZIP codes to adjust loss cost data. First, historical loss costs are identified by ZIP code, and then organized into an order. The organized historical loss costs are assigned a unique loss cost value for each ZIP code, whi...
08/03/2010
7769608Systems and methods for optimizing property risk ratings
Systems and methods provide optimized property risk ratings and, more particularly, optimized property risk ratings defined by evaluating ratings on a by peril basis. Systems and methods also price insurance products and underwrite insurance products using risk data...
08/03/2010
7676414Annuity having interest rate coupled to a referenced interest rate
An annuity provides a guaranteed rate of return for a guarantee period while at the same time providing upward adjustments to the interest rate if there is a corresponding increase in a specified referenced rate. The guaranteed base interest rate is set at the begin...
03/09/2010
D607463Portion of a display screen showing a user interface
01/05/2010
7624058Annuity having interest rate coupled to a referenced interest rate
An annuity provides a guaranteed rate of return for a guarantee period while at the same time providing upward adjustments to the interest rate if there is a corresponding increase in a specified referenced rate. The guaranteed base interest rate is set at the begin...
11/24/2009
7613644Annuity having interest rate coupled to a referenced interest rate
An annuity provides a guaranteed rate of return for a guarantee period while at the same time providing upward adjustments to the interest rate if there is a corresponding increase in a specified referenced rate. The guaranteed base interest rate is set at the begin...
11/03/2009
7596542Systems 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 from a database. Pairs of coordinates for the boundaries are stored in...
09/29/2009
D587725Portion of a display screen with a user interface
03/03/2009
7080032Annuity having interest rate coupled to a referenced interest rate
An annuity provides a guaranteed rate of return for a guarantee period while at the same time providing upward adjustments to the interest rate if there is a corresponding increase in a specified referenced rate, which may be a United States Treasury rate or an inte...
07/18/2006
6584467Method and apparatus for obtaining data from vendors in real time
A system and method of controlling a computer network to obtain information needed to render risk evaluative decisions from vendors in real time. The information may be obtained for agents preparing insurance applications or for an automated application p...
06/24/2003
5809478Method for accessing and evaluating information for processing an application for insurance
A method of controlling a computer network to render information needs and risk evaluative decisions includes the matching of profiles, defined by data characteristics and collective characteristics, to customer data. Multiple profiles are matched to arri...
09/15/1998
 
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