Agent appointment process via a computer network

• US 20030208384A1
• Filed: 05/01/2002
• Published: 11/06/2003
• Est. Priority Date: 05/01/2002
• Status: Abandoned Application

• Current Assignee: Federal Kemper Life Assurance Company (Dai-ichi Life Holdings, Inc.)
• Original Assignee: Federal Kemper Life Assurance Company (Dai-ichi Life Holdings, Inc.)
• Inventors: Carroll, Sean, Chen, Shawn, Tham, Ivor, Nelson, Letitia A., McAuliffe, Angela D., Rill, Peter P., Bodi, Gregory A., Jensen, Carl D., Sladek, Michael E.
• Application Number:
  US10/138,226
• Publication Number:
  US 20030208384A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

An online system using a computer network for accepting applications for the appointment of an agent by an insurance carrier. The system interacts with the agent, a general agent contracting with the agent and licensing staff of the insurance carrier. In one implementation, the system is adapted to perform at least the following steps: receiving an appointment application for the appointment of an agent by an insurance carrier via the computer network, the appointment application including agent data, a state the agent is seeking an appointment, and a product the agent wishes to solicit; transmitting a request for additional information about the agent from an external database via the computer network; and receiving the additional information from the external database via the computer network. By way of example, the additional information may be license information and/or securities registration information for the agent.

Claims

1. An automated method using a computer network comprising:

receiving an appointment application for the appointment of an agent by an insurance carrier via the computer network, the appointment application including agent data, a state the agent is seeking an appointment, and a product the agent wishes to solicit;

transmitting a request for additional information about the agent to an external database via the computer network; and

receiving the additional information from the external database via the computer network.

2. The method of claim 1 wherein the transmitting the request step comprises:

requesting an information request web page from the external database via the computer network;

receiving the information request web page;

inserting agent information about the agent into the information request web page; and

transmitting the information request web page to the external database via the computer network.

3. The method of claim 2 wherein the receiving the additional information step comprises:

receiving a web page containing the additional information from the external database via the computer network.

4. The method of claim 1 wherein the additional information comprises licensing information about the agent for the state the agent is seeking the appointment.

5. The method of claim 1 wherein the additional information comprises securities registration information about the agent.

6. The method of claim 1 further comprising:

receiving an electronically signed background check authorization from the agent via the computer network, wherein the transmitting the request step comprises;

transmitting the request in response to the receiving the electronically signed background check authorization step.

7. The method of claim 1 wherein the transmitting the request step comprises:

transmitting the request in response to the receiving the appointment application step.

8. The method of claim 1 further comprising:

receiving a notification from a licensing staff member of the insurance carrier indicating that the appointment application is ready for processing, wherein the transmitting the request step comprises;

transmitting the request in response to the receiving the notification step.

9. The method of claim 1 wherein the transmitting the request step comprises:

transmitting the request for the additional information about the agent via the computer network from a website of the National Insurance Producer Registry (NIPR) or a website of the National Association of Security Dealers (NASD).

10. The method of claim 1 further comprising:

transmitting, prior to the receiving the appointment application step, the appointment application for display and appointment information entry via the computer network.

11. The method of claim 1 further comprising:

storing information provided in received appointment application in a database; and

storing the received license information in the database.

12. The method of claim 1 wherein the receiving the appointment application step comprises:

receiving a web page containing at least a portion of the appointment application.

13. The method of claim 1 wherein the receiving the appointment application step comprises:

receiving the appointment application from a general agent contracting with the agent via the computer network.

14. The method of claim 1 wherein the receiving the appointment application step comprises:

receiving the appointment application from the agent via the computer network.

15. The method of claim 1 further comprising:

transmitting a notification to a licensing staff member of the insurance carrier via the computer network to process the appointment application.

16. The method of claim 1 further comprising:

transmitting, in response to the receiving the appointment application step, a request for a background check authorization to the agent via the computer network; and

receiving an electronically signed background check authorization from the agent via the computer network.

17. The method of claim 1 further comprising:

transmitting, in response to the receiving the appointment application step, the appointment application for display and review to the agent via the computer network.

18. The method of claim 17 further comprising:

receiving a confirmation from the agent via the computer network that the information in the appointment application is accurate.

19. The method of claim 17 further comprising:

receiving an edited appointment application from the agent via the computer network, the edited appointment application including additional information about the agent to complete the appointment application.

20. The method of claim 1 further comprising:

transmitting, in response to the receiving the appointment application step, a request for a commission level of a general agent contracting with the agent via the computer network, the commission level provided in the relationship between the agent and the general agent; and

receiving the commission level from the general agent via the computer network.

21. An automated method using a computer network:

receiving an appointment application for the appointment of an agent by an insurance carrier via a computer network, the appointment application including agent data, a state the agent is seeking an appointment for, and a product the agent wishes to solicit;

transmitting, in response to the receiving the appointment application, a request for a background check authorization for display to the agent via the computer network; and

receiving an electronically signed background check authorization from the agent via the computer network.

22. The method of claim 21 wherein the receiving the appointment application comprises receiving the appointment application from a general agent contracting with the agent via the computer network.

23. The method of claim 22 wherein the received appointment application includes a commission level of the general agent as provided in the relationship between the agent and the general agent

24. The method of claim 21 wherein the transmitting the request step comprises:

transmitting, in response to the receiving the appointment application, an electronic notification to the agent via the computer network, the electronic notification requesting authorization to perform a background check and including a link to a background check authorization web page.

25. The method of claim 24 further comprising:

receiving, in response to the transmitting the request step, a request for the background check authorization web page from the agent via the computer network; and

transmitting the background check authorization web page for display to the agent via the computer network;

wherein the receiving the electronically signed background check authorization step comprises;

receiving the background check authorization web page having been electronically signed from the agent via the computer network.

26. The method of claim 21 further comprising:

transmitting, in response to the receiving the appointment application step, the appointment application for display to the agent via the computer network.

27. The method of claim 26 further comprising:

receiving a confirmation from the agent via the computer network that the information in the appointment application is accurate.

28. The method of claim 27 wherein the transmitting the request step comprises:

transmitting the request, in response to the receiving the confirmation from the agent step.

29. The method of claim 26 further comprising:

receiving an edited appointment application from the agent via the computer network, the edited appointment application including additional information about the agent to complete the appointment application.

30. The method of claim 29 wherein the transmitting the request step comprises:

transmitting the request, in response to the receiving the edited application from the agent step.

31. The method of claim 26 wherein the appointment application is received from a general agent contracting with the agent, and wherein the transmitting the appointment application step comprises:

transmitting, in response to the receiving the appointment application step, an electronic notification to the agent via the computer network, the electronic notification indicating that the appointment application submitted on behalf of the agent is ready for review, the electronic notification including a link to an application validation web page.

32. The method of claim 31 further comprising:

receiving a request for the application validation web page from the agent via the computer network;

transmitting the application validation web page for display to the agent via the computer network; and

receiving the application validation web page from the agent via the computer network, the application validation web page indicating that information in the appointment application is accurate.

33. The method of claim 26 wherein the transmitting the appointment application step comprises:

transmitting, in response to the receiving the appointment application step, an electronic notification to the agent via the computer network, the electronic notification indicating that the appointment application submitted on behalf of the agent requires additional information, the electronic notification including a link to an application information entry web page.

34. The method of claim 33 further comprising:

receiving a request for the application information entry web page from the agent via the computer network; and

transmitting the application information entry web page for display to the agent via the computer network; and

receiving the application information entry page including the additional information from the agent via the computer network.

35. The method of claim 21 further comprising:

transmitting a request for additional information about the agent from an external database via the computer network; and

receiving the additional information from the external registry via the computer network.

36. The method of claim 21 further comprising:

transmitting, prior to the receiving the appointment application step, the appointment application for display and appointment information entry via the computer network.

37. The method of claim 21 further comprising:

storing information provided in received appointment application in a database; and

storing the signed background check authorization in the database.

38. The method of claim 21 wherein the receiving the appointment application step comprises:

receiving a web page via the computer network, the web page containing at least a portion of the appointment application.

39. An automated method using a computer network:

receiving an appointment application for the appointment of an agent by an insurance carrier via a computer network, the appointment application including agent data, a state the agent is seeking an appointment for, and a product the agent wishes to solicit;

transmitting, in response to the receiving the appointment application, a request for display to a general agent contracting with the agent via the computer network, the request for a commission level of the general agent, the commission level being provided in the relationship between the agent and the general agent; and

receiving the commission level from the general agent via the computer network.

40. The method of claim 39 wherein the receiving the appointment application comprises:

receiving the appointment application from the agent via the computer network.

41. The method of claim 39 wherein the transmitting the request step comprises:

transmitting, in response to the receiving the appointment application, an electronic notification to the general agent via the computer network, the electronic notification requesting the commission information and including a link to a commission entry web page.

42. The method of claim 41 wherein the electronic notification comprises an email.

43. The method of claim 42 further comprising:

receiving a request for the commission entry web page from the general agent via the computer network; and

transmitting the commission entry web page for display to the general agent via the computer network;

wherein the receiving the commission level step comprises;

receiving the commission entry web page including the commission level from the general agent via the computer network.

44. The method of claim 39 further comprising:

transmitting a request for additional information about the agent from an external database via the computer network; and

receiving the additional information from the external registry via the computer network.

45. The method of claim 39 further comprising:

transmitting, prior to the receiving the appointment application step, the appointment application for display and appointment information entry via the computer network.

46. The method of claim 39 further comprising:

storing information provided in received appointment application in a database; and

storing the commission information in the database.

47. The method of claim 39 wherein the receiving the appointment application step comprises:

receiving a web page via the computer network, the web page containing at least a portion of the appointment application.

48. A method for application processing via a computer network comprising:

receiving an application from a first party via a computer network, the application containing information from the first party and requiring additional information from a second party to complete the application;

determining that the additional information from the second party is needed;

automatically transmitting a request for the additional information to the second party via the computer network; and

receiving the additional information from the second party via the computer network.

49. The method of claim 48 wherein the transmitting comprises transmitting an electronic notification to the second party requesting the additional information, the electronic notification including a link to an information submission web page.

50. The method of claim 49 wherein electronic notification comprises an email.

51. The method of claim 49 further comprising:

receiving a request for the information submission web page from the second party via the computer network; and

transmitting the information submission web page for display to the second party via the computer network;

wherein the receiving the additional information step comprises;

receiving the information submission web page including the additional information from the second party via the computer network.

52. An automated appointment application system using a computer network comprising:

a server including a processor adapted to perform the following steps;

receiving an appointment application for the appointment of an agent by an insurance carrier via the computer network, the appointment application including agent data, a state the agent is seeking an appointment, and a product the agent wishes to solicit;

transmitting a request for additional information about the agent from an external database via the computer network; and

receiving the additional information from the external registry via the computer network.

53. An automated appointment application system using a computer network comprising:

a server including a processor adapted to perform the following steps;

receiving an appointment application for the appointment of an agent by an insurance carrier via a computer network, the appointment application including agent data, a state the agent is seeking an appointment for, and a product the agent wishes to solicit;

transmitting, in response to the receiving the appointment application, a request for a background check authorization for display to the agent via the computer network; and

receiving an electronically signed background check authorization from the agent via the computer network.

54. An automated appointment application system using a computer network comprising:

a server including a processor adapted to execute an application for performing the following steps;

receiving an appointment application for the appointment of an agent by an insurance carrier via a computer network, the appointment application including agent data, a state the agent is seeking an appointment for, and a product the agent wishes to solicit;

transmitting, in response to the receiving the appointment application, a request for display to a general agent contracting with the agent via the computer network, the request for a commission level of the general agent, the commission level being provided in the relationship between the agent and the general agent; and

receiving the commission level from the general agent via the computer network.

55. An automated appointment application system using a computer network comprising:

a first network interface server for transmitting and receiving web pages via the computer network, the web pages containing an appointment application for the appointment of an agent by an insurance carrier;

an application server for processing the information contained in the web pages and for determining if additional information is needed to complete the appointment application;

a second network interface server for transmitting electronic notifications via the computer network to the agent and a general agent contracting with the agent, at least one electronic notification indicating that the additional information is required to process the appointment application, the at least one electronic notification including a link to a web page that provides an entry field for the additional information;

wherein the application server requests through the first network interface server licensing information about the agent from an external database via the computer network; and

a database server for storing the appointment information, the additional information and the licensing information.