AUTOMATED INSURANCE SYSTEM
First Claim
1. An automated management system for an insurance policy issued by an insurance provider to an insurance policy holder, said system comprising:
- a computer-based item database for storing details of items covered by said insurance policy;
at least one interface configured for enabling the inputting of data into at least one of said system and said database;
a Rules Engine, which is configured to check data that is input via said at least one interface against pre-defined rules, and to effect a rules outcome based on the nature of said input data and said pre-defined rules; and
an Event Engine, which is configured to be actuated by, and based on, an actuating event being at least one ofa rules outcome effected by said Rules Engine, anddata that is input via said at least one interface, to effect a pre-determined outcome event in relation to the insurance policy.
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Accused Products
Abstract
There is disclosed an automated management system (30) for an insurance policy issued by an insurance provider to an policy holder. The system comprises a computer-based database (33) for items covered by the policy, interfaces (14) for inputting data into the system and/or database, and a Rules Engine (35), for checking input data against pre-defined rules. An Event Engine (34) is configured to be actuated by a rules outcome effected by the Rules Engine, and/or data that is input via the interface. The Event Engine, when actuated, effects a pre-determined outcome event in relation to the insurance policy.
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Citations
20 Claims
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1. An automated management system for an insurance policy issued by an insurance provider to an insurance policy holder, said system comprising:
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a computer-based item database for storing details of items covered by said insurance policy; at least one interface configured for enabling the inputting of data into at least one of said system and said database; a Rules Engine, which is configured to check data that is input via said at least one interface against pre-defined rules, and to effect a rules outcome based on the nature of said input data and said pre-defined rules; and an Event Engine, which is configured to be actuated by, and based on, an actuating event being at least one of a rules outcome effected by said Rules Engine, and data that is input via said at least one interface, to effect a pre-determined outcome event in relation to the insurance policy. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. An automated process for insuring an item with an insurance policy issued by an insurance provider to an insurance policy holder, using an automated management system adapted for management of said policy, the process including the steps of:
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(i) receiving, via a point-of-sale interface of said system, data pertaining to a transaction for the purchase of the item by or for a particular said policy holder, said transaction occurring at a point-of-sale of a retail store; (ii) detecting said receipt as an actuating event by an Event Engine of said system and effecting an event outcome which involves causing details of said receipt to be transmitted to a Rules Engine of the system; (iii) checking said received data, by the Rules Engine, against predefined rules, and effecting a rules outcome based on the nature of said received data and said pre-defined rules; (iv) if permitted by the rules outcome, effecting a further event outcome based on said rules outcome, said further event outcome causing said data to be stored in a computer-based item database of said system and details of said purchased item to be transmitted to an insurance premium quote engine of said system; (v) calculating, by said insurance premium quote engine, a new insurance premium payable by the policy holder in relation to said policy; and (vi) communicating, by said insurance premium quote engine, said new premium to a predetermined destination for said policy holder.
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Specification