Method and system for providing online insurance information
First Claim
1. A computer-implemented method for providing insurance information across a network, comprising:
- receiving an access code from a user;
receiving a password from a user;
determining the user class of the user from the access code and password;
in the event that the user is an agent, permitting the agent to enter insurance information for an insured;
storing the insurance information along with the date and time of entry as a record;
generating an access code and password corresponding to the insured;
in the event that the user is a holder, permitting the holder to view insurance information for the insured corresponding to the holder'"'"'s access code and password;
receiving a set of requirements from the holder; and
displaying an exception report to the holder, the exception report indicating which of the insured'"'"'s insurance information violated the set of requirements.
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Accused Products
Abstract
A method and system for transferring, evaluating, tracking, and reporting insurance information over a network. The invention includes a database containing individual data fields storing insurance information, including various limits and coverage features for insurance policies. Agents may access the database either locally or across a network to enter insurance policy information for one or more insureds. Each insured is assigned at least one permanent access code and password combination. The insured or a corresponding certificate holder may access and view the insurance information using an access code and password combination. Further, an effective coverage date may be selected, and only insurance information valid as of that date will be displayed. The holder may specify a set of insurance requirements that all insureds in a relationship with the holder must meet. The holder may also create a compliance report and/or exception report in order to easily view a list of all insureds and their coverages, reported by insurance category. The compliance report and exception report may also display whether each insured'"'"'s coverage meets the holder'"'"'s requirements.
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Citations
10 Claims
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1. A computer-implemented method for providing insurance information across a network, comprising:
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receiving an access code from a user;
receiving a password from a user;
determining the user class of the user from the access code and password;
in the event that the user is an agent, permitting the agent to enter insurance information for an insured;
storing the insurance information along with the date and time of entry as a record;
generating an access code and password corresponding to the insured;
in the event that the user is a holder, permitting the holder to view insurance information for the insured corresponding to the holder'"'"'s access code and password;
receiving a set of requirements from the holder; and
displaying an exception report to the holder, the exception report indicating which of the insured'"'"'s insurance information violated the set of requirements. - View Dependent Claims (2, 3, 4, 5)
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6. A computer-implemented method for retrieving and evaluating insurance information across a network, comprising:
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inputting an access code and password for at least one insured;
receiving at least one insurance record comprised of at least one category of insurance coverage for the at least one insured;
inputting at least one user-specified insurance requirement;
comparing the insurance record to the user-specified insurance requirement; and
displaying the results of the comparison. - View Dependent Claims (7, 8, 9, 10)
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Specification