System and method of utilizing radio bars to tailor coverage options for an insurance policy

• US 10,102,588 B1
• Filed: 07/29/2015
• Issued: 10/16/2018
• Est. Priority Date: 09/16/2014
• Status: Active Grant

• Current Assignee: Sapient Corporation (Publicis.Sapient)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Gonsalves, Mary Elizabeth, Barbera, Sunni, Giesler, Chris, Shimer, Aaron, Trovato, Arturo
• Primary Examiner(s): Subramanian, Narayanswamy
• Assistant Examiner(s): Bridges, Christopher
• Application Number:
  US14/812,115
• Time in Patent Office: 1,175 Days
• Field of Search: None
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

In a method, a client device may be caused to provide an interactive display to the customer. The display may include controls usable by the customer to select different coverage combinations for a hypothetical policy, and an insurance premium quote for the hypothetical policy. Each control may enable the customer to adjust coverage for a different coverage type, be associated with a control graphic, and include a respective set of radio buttons distributed along a line within the control graphic. Each radio button may correspond to a different coverage level. The client device may also be caused to display, each time the customer adjusts a control by selecting a new radio button, a current selection indicator at the new radio button. The client device may also be caused to set, each time the customer selects a new coverage combination, the premium quote to a value corresponding to the new combination.

Claims

1. A computer-implemented method comprising:

causing, by one or more processors, a client device of a customer to provide an interactive display to the customer, the interactive display including (i) a plurality of controls usable by the customer to select different ones of a plurality of coverage combinations for a hypothetical insurance policy, and (ii) an insurance premium quote for the hypothetical insurance policy, wherein

each control of the plurality of controls (i) enables the customer to adjust coverage for a respective one of a plurality of coverage types, (ii) is associated with a respective one of a plurality of control graphics, and (iii) includes a respective set of radio buttons distributed along a line within the respective control graphic, and

each radio button in the respective set of radio buttons corresponds to a different coverage level available for the respective one of the plurality of coverage types;

causing, by one or more processors, and each time that the customer adjusts one of the plurality of controls by selecting a new radio button, of the respective set of radio buttons, that does not correspond to a coverage level of a current insurance policy held by the customer, the client device to

display a current selection indicator at the new radio button,

display a current coverage indicator at a radio button, of the respective set of radio buttons included in the control, that corresponds to the coverage level of the current insurance policy, and

highlight all radio buttons, in the respective set of radio buttons, starting at a radio button closest to a first end of the line within the respective control graphic and ending at the new radio button; and

causing, by the one or more processors, the client device to set, each time that the customer selects a new coverage combination of the plurality of coverage combinations, the insurance premium quote to a value that corresponds to the new coverage combination to facilitate virtually adjusting an insurance quote.

2. The computer-implemented method of claim 1, wherein the respective set of radio buttons includes a different radio button for every coverage level available for the respective one of the plurality of coverage types.

3. The computer-implemented method of claim 1, wherein causing the client device to set, each time that the customer selects a new coverage combination, the insurance premium quote to the value that corresponds to the new coverage combination includes:

causing the client device to set the insurance premium quote to the value that corresponds to the new coverage combination each time that the customer (i) adjusts one or more of the plurality of controls to reflect the new coverage combination, and then (ii) requests that a quote be provided for the new coverage combination.

4. The computer-implemented method of claim 1, wherein causing the client device to set, each time that the customer selects a new coverage combination, the insurance premium quote to the value that corresponds to the new coverage combination includes:

causing the client device to set the insurance premium quote to the value that corresponds to the new coverage combination each time that the customer adjusts a single control of the plurality of controls.

5. The computer-implemented method of claim 1, wherein causing the client device to highlight all radio buttons starting at the radio button closest to the first end of the line includes:

causing the client device to highlight a continuous length of the line within the respective control graphic, the continuous length extending at least between (i) the radio button closest to the first end of the line and (ii) the new radio button.

6. The computer-implemented method of claim 5, wherein causing the client device to highlight the continuous length includes causing the client device to highlight the continuous length by adding to the control a highlight that transitions in a continuous manner from a first color at the first end of the line to a second color at a second end of the line.

7. The computer-implemented method of claim 1, wherein causing the client device to provide an interactive display including a plurality of controls includes causing the client device to provide an interactive display including a plurality of touch screen controls.

8. The computer-implemented method of claim 1, wherein causing the client device to provide an interactive display including a plurality of controls includes causing the client device to provide an interactive display including a plurality of controls usable by the customer to one or both of (i) adjust one or more deductibles of the hypothetical policy, and (ii) adjust one or more coverage limits of the hypothetical policy.

9. The computer-implemented method of claim 1, wherein each of causing the client device to provide the interactive display to the customer, causing the client device to display the current selection indicator at the new radio button, and causing the client device to set the insurance premium quote to the value that corresponds to the new coverage combination includes:

providing a set of scripting language instructions to the client device.

10. The computer-implemented method of claim 1, further comprising:

causing, by one or more processors, the client device to provide, for each control of the plurality of controls, an additional control that, when activated by the customer, causes the control to automatically adjust to reflect a coverage level of a current insurance policy held by the customer.

11. The computer-implemented method of claim 1, further comprising:

causing, by one or more processors, the client device to provide an additional control that, when activated by the customer, causes the plurality of controls to automatically and collectively adjust such that the plurality of controls reflects coverage levels of a current insurance policy held by the customer.

12. A tangible, non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:

cause a client device of a customer to provide an interactive display to the customer, the interactive display including (i) a plurality of controls usable by the customer to select different ones of a plurality of coverage combinations for a hypothetical policy, and (ii) an insurance premium quote for the hypothetical policy, wherein

each control of the plurality of controls (i) enables the customer to adjust coverage for a respective one of a plurality of coverage types, (ii) is associated with a respective one of a plurality of control graphics, and (iii) includes a respective set of radio buttons distributed along a line within the respective control graphic, and

each radio button in the respective set of radio buttons corresponds to a different coverage level available for the respective one of the plurality of coverage types;

cause, each time that the customer adjusts one of the plurality of controls by selecting a new radio button, of the respective set of radio buttons, that does not correspond to a coverage level of a current insurance policy held by the customer, the client device to

display a current selection indicator at the new radio button,

display a current coverage indicator at a radio button, of the respective set of radio buttons included in the control, that corresponds to the coverage level of the current insurance policy, and

highlight all radio buttons, in the respective set of radio buttons, starting at a radio button closest to a first end of the line within the respective control graphic and ending at the new radio button; and

cause the client device to set, each time that the customer selects a new coverage combination of the plurality of coverage combinations, the insurance premium quote to a value that corresponds to the new coverage combination.

13. The tangible, non-transitory computer-readable medium of claim 12, wherein the respective set of radio buttons includes a different radio button for every coverage level available for the respective one of the plurality of coverage types.

14. The tangible, non-transitory computer-readable medium of claim 12, wherein the plurality of controls include a plurality of touch screen controls.

15. The tangible, non-transitory computer-readable medium of claim 12, wherein the instructions further cause the one or more processors to:

cause the client device to provide, for each control of the plurality of controls, an additional control that, when activated by the customer, causes the control to automatically adjust to reflect a coverage level of a current insurance policy held by the customer; and

cause the client device to provide an additional control that, when activated by the customer, causes the plurality of controls to automatically and collectively adjust such that the plurality of controls reflects coverage levels of a current insurance policy held by the customer.