PATRICK J HOULE
Broker in North Sudbury, MA

2003020, Oct 30, 2003

Apr 29, 2002

10/135191

Patrick Houle - Sudbury MA, US
E. Tinsley - Worcester MA, US
Daniel Griffin - Harrisville RI, US
Shawn Salm - Worcester MA, US

Value Benefits Insurance Agency, Inc. - Worcester MA

G06F017/00, G06F017/60

705/004000, 707/104100

The system and method of the present invention includes an integrated insurance system for automating information processing and computerizes different combinations of the quoting, enrollment, billing, monitoring and maintenance functions of the process. In a preferred embodiment, a system for creating and administering insurance contracts, includes a front-end subsystem in communication with a client, a database subsystem accessing a plurality of stored databases, and a back-end subsystem in communication with a plurality of subsystems to source information and monitor the creation, and administration of an insurance contract. The front-end subsystem communicates via a network such as, for example, the Internet, and is further operative with a set of executable instructions to collect contract information, from and deliver contract information to a plurality of clients. The front-end subsystem includes at least one of a set of executable instructions for quoting a plurality of terms of the contract, an enrollment process, a billing process and contract maintenance. The back-end subsystem communicates with a network and accesses the databases. The back-end subsystem includes a system application having a quoting subsystem, an enrollment subsystem, a billing subsystem, and a resource management subsystem, and communicates with the front-end subsystem which in turn communicates with the client and an insurance carrier or vendor to communicate the creation, execution and management of the insurance contract to the client. In preferred embodiments, the back-end subsystem further comprises an underwriting and eligibility subsystem, a reporting subsystem, an archiving subsystem, and an electronic data interchange subsystem. The front-end subsystem communicates with an insurance vendor.

2004014, Jul 22, 2004

Oct 30, 2003

10/697719

Patrick Houle - Sudbury MA, US
E. Tinsley - Worcester MA, US
Daniel Griffin - Harrisville RI, US
Shawn Salm - Worcester MA, US

Value Benefits Insurance Agency, Inc. - Worcester MA

G06F017/60

705/004000

The system and method of the present invention includes an integrated insurance system for automating information processing and computerizes different combinations of the quoting, enrollment, billing, monitoring and maintenance functions of the process. In a preferred embodiment, a system for creating and administering insurance contracts, includes a front-end subsystem in communication with a client, a database subsystem accessing a plurality of stored databases, and a back-end subsystem in communication with a plurality of subsystems to source information and monitor the creation, and administration of an insurance contract. The front-end subsystem communicates via a network such as, for example, the Internet, and is further operative with a set of executable instructions to collect contract information, from and deliver contract information to a plurality of clients. The front-end subsystem includes at least one of a set of executable instructions for quoting a plurality of terms of the contract, an enrollment process, a billing process and contract maintenance. The back-end subsystem communicates with a network and accesses the databases. The back-end subsystem includes a system application having a quoting subsystem, an enrollment subsystem, a billing subsystem, and a resource management subsystem, and communicates with the front-end subsystem which in turn communicates with the client and an insurance carrier or vendor to communicate the creation, execution and management of the insurance contract to the client. In preferred embodiments, the back-end subsystem further comprises an underwriting and eligibility subsystem, a reporting subsystem, an archiving subsystem, an electronic data interchange subsystem, a carrier management subsystem, knowledge base subsystem, auditing subsystem, document management subsystem and an event triggering subsystem. The front-end subsystem communicates with an insurance vendor.

6899829, May 31, 2005

Nov 30, 2001

09/998117

James G. Shelnut - Northboro MA, US
Wade Sonnenberg - Edgartown MA, US
Patrick J. Houle - Sudbury MA, US

Shipley Company, L.L.C. - Marlborough MA

H01B001/04, H01B001/24, C25D005/02, B05D005/12

252511, 252510, 252502, 2525193, 106413, 106445, 427402, 427 96, 427304, 427407, 205159, 205125, 205163, 205118

A conductive polymer colloidal composition that selectively forms a coating on a non-conductive surface. The conductive polymer colloidal composition is composed of a polymer and a sulfonate dopant. The conductive polymer colloidal composition may also contain conductive colloidal particles such as conductive carbon or metal salt particles, oxidants, stabilizers, and preservatives. The conductive polymer colloidal composition may be employed to selectively coat the non-conductive parts of printed wiring boards such that a uniform metal layer can be deposited on the conductive polymer coat. In addition to a uniform metal layer being formed over the conductive polymer, adhesion between the metal layer and the printed wiring board is improved.