Michael J Colson

US Patent:

8219414, Jul 10, 2012

Filed:

Sep 25, 2007

Appl. No.:

11/903846

Inventors:

Russell W. Bessette - Orchard Park NY, US
Michael J. Colson - East Amherst NY, US

Assignee:

Computer Task Group, Inc. - Buffalo NY

International Classification:

G06Q 50/00
G06Q 10/00

US Classification:

705 2, 705 3

Abstract:

An improved method of appraising a mammal's health includes the steps of: measuring the values of a plurality of factors indicative of different health parameters at a first time; normalizing the measured values of said factors at the first time; and arranging such normalized measured values at said first time in a first sequence; thereby to have said first sequence represent the mammal's health at the first time. The method may include the additional steps of: measuring the values of such plurality of factors at a second time; normalizing the measured values of such factors at the second time; arranging such normalized measured values in a second sequence; and comparing the second sequence with the first sequence or with a similar sequences from a plurality of similar animals recording the same primary afflicting condition.

US Patent:

8219420, Jul 10, 2012

Filed:

Dec 13, 2002

Appl. No.:

10/319297

Inventors:

Michael P. Heffley - Amherst NY, US
Robert M. States - East Amherst NY, US
Michael J. Colson - East Amherst NY, US

Assignee:

Manning & Napier Information Services, LLC - Amherst NY

International Classification:

G06Q 40/00

US Classification:

705 4

Abstract:

A method and apparatus for coordinating payment of healthcare expenses is disclosed. The method comprises determining a co-payment amount based on a customer's insurance coverage, determining the availability of funds from a plurality of the consumer's prioritized accounts, and deducting at least a portion of the co-payment from the highest priority account having available funds.

US Patent:

8595031, Nov 26, 2013

Filed:

Nov 5, 2003

Appl. No.:

10/605900

Inventors:

Michael P. Heffley - Amherst NY, US
Michael J. Colson - East Amherst NY, US
Scott Strozyk - Clarence Center NY, US
Robert M. States - East Amherst NY, US

Assignee:

Manning & Napier Information Services, LLC - Amherst NY

International Classification:

G06Q 40/00

US Classification:

705 4

Abstract:

A method and apparatus for coordinating payment of healthcare expenses is disclosed. The method comprises determining a co-payment amount based on a customer's insurance coverage, determining the availability of funds from a plurality of the consumer's prioritized accounts, and deducting at least a portion of the co-payment from the highest priority account having available funds.

US Patent:

20090307011, Dec 10, 2009

Filed:

Jun 4, 2008

Appl. No.:

12/156727

Inventors:

Michael J. Colson - East Amherst NY, US
Stephen L. Coyle - Fairport NY, US

International Classification:

G06Q 40/00

US Classification:

705 4

Abstract:

The present invention broadly provides an improved method () of adjusting, with the aid of a digital computer, an insurance premium charged by a payor to a customer so as to correlate more closely with the expected claims of that customer during a policy period. The improved method broadly includes the steps of: obtaining historical data, including the parameters of a past rate, of the customer (); determining risk factors that influence or affect the insurance premium (); creating an algorithm to adjust the insurance premium as a function of the risk factors (); receiving a request for a rate adjustment (); and calculating in the computer an adjustment to the premium as a function of the algorithm so as to increase the correlation between the premium to be charged and the expected claims of the customer during the policy period ().