Sales computer system and process

• US 20040059639A1
• Filed: 05/23/2003
• Published: 03/25/2004
• Est. Priority Date: 11/27/2000
• Status: Abandoned Application

• Current Assignee: Insfin Insurance & Finance Group Pty Limited
• Original Assignee: Insfin Insurance & Finance Group Pty Limited
• Inventors: Pitson, Graham Andrew, Brooks, Mark William, Ripper, Walter Vernon
• Application Number:
  US10/432,804
• Publication Number:
  US 20040059639A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 30/018 Certifying business or products
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 30/08 Auctions
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A sales process, executed by a computer system, including (a) offering a plurality of products for sale, (b) receiving a selection of the products, (c) accessing data submission forms for products of the selection, (d) removing duplicate data requests from the forms, and (e) generating and providing a sequence of forms for the selection. Customer data submitted using the sequence is received, and a cost generated for the selection on the basis of the customer data. The process facilitates execution of a contract, generated on the basis of the customer data for sale of the selection cost. The process is adapted to apply different product supplier schemes having different underwriting and commission structures.

Claims

1. A sales computer system including:

a product selector for offering a plurality of products for sale and receiving a selection of said products; and

a form generator responsive to said selection for accessing data submission forms for the products of said selection, and generating and providing a sequence of forms for said selection.

2. A sales computer system as claimed in claim 1, wherein said form generator removes duplicate data requests from said sequence.

3. A sales computer system as claimed in claim 1, including a cost module responsive to customer data submitted using said sequence for generating a cost for said selection.

4. A sales computer system as claimed in claim 3, wherein said cost module generates a quote for each product of said selection and updates said cost as said customer data is submitted using said sequence.

5. A sales computer system as claimed in claim 3, including a contract engine for generating, on the basis of the customer data, and facilitating execution of a contract for sale of said selection at said cost.

6. A sales computer system as claimed in claim 5, including a transaction engine for executing a payment transaction to obtain payment for said cost.

7. A sales computer system as claimed in claim 5, wherein said contract engine publishes said contract for a client and lodges said contract for a product supplier.

8. A sales computer system as claimed in claim 3, including a plurality of said cost module for respective sets of one or more products having access to business rules and/or data for said sets.

9. A sales computer system as claimed in claim 8, wherein said cost module includes an interface for said product selector.

10. A sales computer system as claimed in claim 8, wherein said cost module includes an interface for said form generator.

11. A sales computer system as claimed in claim 3 or 8, including a scheme manager for adjusting business rules and/or data for said products to provide a predetermined sale scheme that is applied to said sequence.

21. A sales computer system as claimed in any one of claims 1 to 11 and 21, wherein said products include insurance and financial products.

12. A sales process, executed by a computer system, including:

offering a plurality of products for sale;

receiving a selection of said products;

accessing data submission forms for products of said selection;

removing duplicate data requests from said forms; and

generating and providing a sequence of forms for said selection.

13. A sales process as claimed in claim 12, including receiving customer data submitted using said sequence, and generating a cost for said selection on the basis of said customer data.

14. A sales process as claimed in claim 13, including facilitating execution of the contract, generated on the basis of said customer data, for sale of said selection at said cost.

15. A sales process as claimed in claim 14, including generating a quote for each product of said selection and updating said cost as said customer data is submitted using said sequence.

22. A sales process as claimed in any one of claims 12 to 19, wherein said products include insurance and financial products.

23. A sales system having components for executing the steps of a sales process as claimed in any one of claims 12 to 19.

24. Software modules stored on computer readable storage, and having code for executing the steps of a sales process as claimed in any one of claims 12 to 19.

16. A sales process, executed by a computer system, including:

dynamically generating a sequence of data submission forms for sale of a selection of different products, such as insurance and finance products, said sequence excluding duplicate data entry requests;

dynamically generating a quote for the products of said selection on submission of the forms of said sequence; and

dynamically generating and publishing at least one contract for sale of said products on acceptance of said quote.

17. A sales process, executed by a computer system, for sale of different products, including:

selecting said products;

querying underwriting modules for the products to obtain corresponding business rules;

dynamically constructing client data submission forms for sale of said products on the basis of data from said underwriting modules, said forms removing duplication of data entry;

providing said forms in a sequence based on a user profile; and

extracting and transmitting client data submitted using said sequence to different suppliers of the products in respective formats for the suppliers.

18. A sales process as claimed in claim 17, wherein said suppliers are from different industries, such as insurance and finance industries.

19. A sales process as claimed in claim 17 or 18, wherein said underwriting modules are adapted to apply different product supplier schemes having different underwriting and commission structures to said business rules.

20. A sales computer system including:

a form generator responsive to the selection of products for sale for accessing data submission forms for the products of said selection, and generating and providing a sequence of forms for the selection;

a cost module responsive to customer data submitted using said sequence for generating a cost for the selection; and

a scheme module for applying a predetermined sales scheme to said sequence and said cost.