System and method for completing and distributing electronic certificates
First Claim
1. A system for generating insurance certificates, the system comprising:
- a first database comprising policy data items that are associated with policy information for a plurality of insureds;
an agency computing device which receives policy data items, from the first database, and a digital representation of an insurance certificate form, wherein the agency computing device inserts one or more policy data items in the digital representation of the insurance certificate form to generate an electronic insurance certificate for each insured;
a computer network connected to the agency computing device;
a client computing device connected to the computer network; and
a certificate server connected to the client computing device via the computer network, wherein the certificate server maintains one or more electronic insurance certificates received from the agency computing device, wherein, upon a request from the client computing device, the certificate server merges one or more certificate holder information items regarding a certificate holder with a corresponding electronic insurance certificate to produce a completed insurance certificate, and wherein the certificate server automatically transmits the completed insurance certificate to the certificate holder.
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Accused Products
Abstract
A system and method for maintaining and transmitting certificates of insurance. The system includes a certificate server which is in data communication with one or more agency computers and one or more insured computers. An insurance agent using one or more of the agency computers can create a pro forma certificate of insurance that is transmitted to the certificate server. The agent can configure the certificate server to allow an insured to request issuance of one or more certificates of insurance regarding an insurance policy that is held by the insured. Further, the agent can prepare one or more replacement certificates and request the certificate server to automatically transmit the replacement certificates to existing certificate holders. The certificate server provides security to ensure that unauthorized individuals do not issue certificates. Further, insureds can use the certificate server to request information regarding each of the certificates that have been issued with respect to insurance policies that are held by the insured.
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Citations
67 Claims
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1. A system for generating insurance certificates, the system comprising:
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a first database comprising policy data items that are associated with policy information for a plurality of insureds;
an agency computing device which receives policy data items, from the first database, and a digital representation of an insurance certificate form, wherein the agency computing device inserts one or more policy data items in the digital representation of the insurance certificate form to generate an electronic insurance certificate for each insured;
a computer network connected to the agency computing device;
a client computing device connected to the computer network; and
a certificate server connected to the client computing device via the computer network, wherein the certificate server maintains one or more electronic insurance certificates received from the agency computing device, wherein, upon a request from the client computing device, the certificate server merges one or more certificate holder information items regarding a certificate holder with a corresponding electronic insurance certificate to produce a completed insurance certificate, and wherein the certificate server automatically transmits the completed insurance certificate to the certificate holder. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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40. A system for generating insurance certificates, the system comprising:
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a computer network;
an agency computing device connected to the computer network and configured to insert one or more policy data items that are associated with policy information for a plurality of insureds in a digital representation of an insurance certificate form to generate an electronic insurance certificate for each insured;
a client computing device connected to the computer network; and
a certificate server connected to the client computing device via the computer network, wherein the certificate server maintains one or more of the electronic insurance certificates received from the agency computing device, wherein, upon a request from the client computing device, the certificate server merges one or more certificate holder information items with a corresponding electronic insurance certificate to produce a completed insurance certificate, and wherein the certificate server automatically transmits the completed insurance certificate to the certificate holder. - View Dependent Claims (41, 42, 43, 44, 45, 46, 47, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67)
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48. A system for generating insurance certificates, the system comprising:
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a computer network;
a client computing device connected to the computer network, and configured to provide certificate holder information; and
a certificate server connected to the client computing device via the computer network, and configured to provide certificate holder information, wherein the certificate server maintains one or more electronic insurance certificates, wherein, upon a request from the client computing device, the certificate server merges one or more certificate holder information items with a corresponding electronic insurance certificate to produce a final insurance certificate, and wherein the certificate server automatically transmits the final insurance certificate to the certificate holder.
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49. A method of generating insurance certificates, the method comprising:
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providing an electronic insurance certificate form;
inserting one or more policy data items that are associated with policy information for an insured in the electronic insurance certificate form to generate an electronic insurance certificate;
storing the electronic insurance certificate in a first database;
merging one or more certificate holder data items that are associated with a certificate holder with the electronic insurance certificate to generate a completed insurance certificate; and
transmitting the completed insurance certificate to a certificate holder at a remote location via a network.
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Specification