Techniques for underwriting insurance policies using web-centric insurance management system
4 Assignments
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Accused Products
Abstract
A scalable, adaptable, modular, and web-centric Insurance Back-Office System (IBOS) for serving the needs of carriers, agencies, agents, and service providers in the insurance industry is disclosed. The IBOS provides a framework for allowing web-centric collaboration among agents, agencies, carriers, and service providers, using applications that manage applicants, cases, and policies in an efficient and secure manner. The IBOS infrastructure is designed to facilitate the creation of a new application, module, tool, or view in a simplified manner. The web-centric application includes a first module for creating a case and a second module for tracking the case after the case has been submitted to the carrier for consideration.
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Citations
31 Claims
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1-3. -3. (canceled)
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4. A method for facilitating communication among at least one participant in an insurance-underwriting process, the method comprising:
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providing a web-based system for storing and organizing a plurality of data related to the insurance-underwriting process, the web-based system adapted to allow collaboration among the at least one participant via the Internet, the web-based system comprising a first module for creating a case and a second module for tracking the case among the at least one participant after the case has been submitted to a carrier for consideration; sharing, via the web-based system, the plurality of data among the at least one participant; wherein the web-based system comprises a multi-layer, modular architecture, the multi-layer modular architecture including a plurality of applications, each application in the plurality of applications including a plurality of modules and employing a desktop visual metaphor for accessing the plurality of modules; and wherein the at least one participant comprises at least one user, and the web-based system is adapted to restrict the plurality of data accessible to the at least one user based on a plurality of attributes of the at least one user. - View Dependent Claims (5, 6, 7, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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8. (canceled)
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20. A system for facilitating communication among participants in an insurance-underwriting process, the system comprising:
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at least one database adapted to store a plurality of data related to the insurance-underwriting process; at least one server coupled to the at least one database, the at least one server adapted to host a web-based system for allowing collaboration among the participants via the Internet; at least one client coupled to the at least one server, the at least one client adapted to allow access to the web-based system; wherein the web-based system comprises a multi-layer, modular architecture, the multi-layer modular architecture including a plurality of applications, each application in the plurality of applications including a plurality of modules and employing a desktop visual metaphor for accessing the plurality of modules; and wherein the participants comprise at least one user, and the web-based system is adapted to restrict the plurality of data accessible to the at least one user based on a plurality of attributes of the at least one user. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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Specification