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Insurance data management system

  • US 10,453,148 B2
  • Filed: 09/30/2015
  • Issued: 10/22/2019
  • Est. Priority Date: 08/03/2012
  • Status: Active Grant
First Claim
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1. A method comprising the steps of:

  • a) providing an insurance portfolio data management system comprising a structured database containing property and casualty insurance data for insurance customers, the insurance portfolio data management system configured to electronically communicate with a handheld mobile computing device, a third party data source, and a multiplicity of underwriter computers, each of the multiplicity of underwriter computers associated with an underwriting form having a particular standardized underwriting data requirement;

    b) providing said handheld mobile computing device comprising a display providing a user interface, a global positioning device that creates geocodes and time and date stamps corresponding to a location of the handheld mobile computing device and one or more master forms displayable on the display of the handheld mobile computing device for entering property and casualty insurance underwriting data in a variety of prompted fields, said master forms prompting the entry of data comprehensive of particular standardized data requirements for multiple underwriters;

    c) entering identification indicia of a licensed insurance agent into said handheld mobile computing device, thereby verifying the presence of the licensed insurance agent or assistant;

    d) downloading third party data from the third party source to pre-populate at least some of the prompted fields in the one or more master forms;

    e) entering data through the user interface into prompted fields on the one or more master forms on the display of said handheld mobile computing device;

    f) entering an electronic customer signature through the display of the handheld mobile computing device after steps d) and e) to verify the downloaded data from said third party data source and data entered through the user interface into prompted fields on the one or more master forms on the display of said handheld mobile computing device;

    g) associating a geocode and time and date stamp created by said global positioning device of the handheld mobile computing device with the entry of said electronic signature and the downloaded data from said third party data source and data entered through the user interface into prompted fields on the one or more master forms on the display of said handheld mobile computing device to create a signature verified, geocoded and time and date stamped record of underwriting data;

    h) associating said identification indicia of said licensed insurance agent entered into said handheld mobile computing device with the signature verified, geocoded and time and date stamped record of underwriting data;

    i) after step h), uploading the signature verified, geocoded and time and date stamped record of underwriting data with the identification of the licensed insurance agent associated therewith for the respective customer to the insurance portfolio data management system;

    j) automatically creating with the insurance portfolio data management system one or more underwriter specific standardized files having a particularized format with said particular standardized data requirements for a particular underwriter associated with at least one of the multiplicity of underwriter computers from some or all of the signature verified, geocoded and time and date stamped record of underwriting data, with the identification of the licensed insurance agent associated therewith;

    k) electronically transmitting from the insurance portfolio data management system at least one of the underwriter specific standardized files to at least one of the multiplicity of underwriter computers associated with the underwriter having the same particular standardized underwriting data requirement as the electronically transmitted underwriter specific standardized file;

    l) receiving an electronic request from at least one of the multiplicity of underwriter computers for supplemental underwriting data for the respective customer on the handheld mobile computing device;

    m) entering supplemental underwriting data through the interface of the handheld mobile computing device to supplement the signature verified, geocoded and time and date stamped record of underwriting data for the respective customer,n) associating a geocode and time and date stamp created by said global positioning device of the handheld mobile computing device with the entered supplemental underwriting data;

    o) uploading from said handheld mobile computing device the geocoded and time and date stamped supplemental underwriting data to the insurance portfolio data management system as part of the respective record of underwriting data, andp) providing from the insurance portfolio data management system the geocoded and time and data stamped supplemental underwriting data to the at least one of the multiplicity of underwriter computers from which the electronic request for supplemental underwriting data was received.

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