INTERACTIVE CREDENTIAL SYSTEM AND METHOD

• US 20110016056A1
• Filed: 09/24/2010
• Published: 01/20/2011
• Est. Priority Date: 07/03/2006
• Status: Active Grant

• Current Assignee: Hargroder Companies Incorporated
• Original Assignee: Hargroder Companies Incorporated
• Inventors: HARGRODER, DWAYNE PAUL
• Granted Patent: US 8,554,584 B2
• Time in Patent Office: Days
• US Class Current: 705/325
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

The interactive credential system and method has a database containing employee-employer-applicant surveyed information, industry specific criteria, such as insurance loss history and account performance, an authorization code for authorizing access to the database and a control device, operatively associated with the database, for presenting weighted scores. The system further includes a surveyed party processor operatively associated with the control device, and wherein the surveyed party processor is capable of transmitting the authorization code to view the surveyed information. The system also has a participant processor that is capable of requesting authorization to download the employee-employer-applicant information, including weighted scores computed from the system'"'"'s algorithms processed from industry specific parameters.

Claims

1. A computerized method of collecting and distributing personal information on an individual comprising the steps of:

establishing a network interface between a central server, at least one remote data collection terminal and at least one authorized third party terminal, the central server having computer readable memory associated therewith;

receiving personal information on an individual from the at least one remote data collection terminal;

storing the personal information in a database stored in the computer readable memory;

calculating at least one weighted score from at least one selected factor of the personal information;

storing the at least one weighted score in the computer readable memory;

transmitting authorization data to view the personal information and the at least one weighted score from the at least one authorized third party terminal to the server;

is authenticating and authorizing the at least one third parties'"'"' access to the database; and

displaying the personal information and the at least one weighted score to the at least one third party.

2. The computerized method of collecting and distributing personal information on an individual as recited in claim 1, further comprising the step of requesting authorization to download said personal information and the at least one weighted score.

3. The computerized method of collecting and distributing personal information on an individual as recited in claim 2, wherein said step of requesting authorization to download said personal information and the at least one weighted score includes paying a request fee by the at least one third party in order to view said personal information and the at least one weighted score.

4. The computerized method of collecting and distributing personal information on an individual as recited in claim 3, further comprising the step of transmitting authorization data to update the personal information from the at least one remote data collection terminal to the server.

5. The computerized method of collecting and distributing personal information on an individual as recited in claim 4, further comprising the step of a user of the at least one remote data collection terminal paying a user fee to update the personal information.

6. The computerized method of collecting and distributing personal information on an individual as recited in claim 5, wherein said personal information is selected from the group consisting of:

information related to prior employment of the individual, information related to commercial auto insurance, general liability insurance, garage insurance, property insurance, inland marine insurance, workers'"'"' compensation, health insurance, home insurance, personal auto insurance, cargo insurance, umbrella insurance, excess liability insurance, difference in conditions insurance, motor home insurance, recreational vehicle insurance, motorcycle insurance, watercraft insurance, vehicle insurance, commercial insurance, personal insurance, liability fidelity bonds and surety bonds.

7. The computerized method of collecting and distributing personal information on an individual as recited in claim 5, wherein said personal information is collected and updated in real time.

8. The computerized method of collecting and distributing personal information on an individual as recited in claim 5, wherein said personal information includes insurance-related information selected from the group consisting of insurance payment history, non-renewal history, cancellations of insurance, motor vehicle reports and prior misrepresentations.

9. The computerized method of collecting and distributing personal information on an individual as recited in claim 5, wherein said personal information is sub-divided into categories including prior claim performance, prior customer satisfaction, insurance payment history, motor vehicle report history, insurance premium size, insurance policy duration and prior complaint filings.

10. The computerized method of collecting and distributing personal information on an individual as recited in claim 5, further comprising the step of transmitting an alert signal to the at least one third party terminal based upon at least one change to said personal information and the at least one weighted score.

11. The computerized method of collecting and distributing personal information on an individual as recited in claim 10, wherein said alert signal is selectively transmitted to the at least one third party terminal upon matching of said personal information and the at least one weighted score to at least one selected factor.

12. The computerized method of collecting and distributing personal information on an individual as recited in claim 11, further comprising the step of continuously monitoring said database for a change in the at least one selected factor, and transmitting said alert signal upon detection of the change.

13. A computerized method of collecting and distributing personal information on an individual comprising the steps of:

establishing a network interface between a central server, at least one remote data collection terminal and at least one authorized third party terminal, the central server having computer readable memory associated therewith;

receiving personal information on an individual from the at least one remote data collection terminal;

storing the personal information in a database stored in the computer readable memory;

updating the personal information upon a change therein;

calculating at least one weighted score from at least one selected factor of the personal information;

storing the at least one weighted score in the computer readable memory;

updating the at least one weighted score upon an updated change in the personal information;

transmitting authorization data to view the personal information and the at least one weighted score from the at least one authorized third party terminal to the server;

authenticating and authorizing the at least one third parties'"'"' access to the database;

displaying the personal information and the at least one weighted score to the at least one third party;

continuously monitoring the database for a change in at least one third party-selected factor;

transmitting an alert signal to the at least one third party terminal upon detection of a change in the at least one third party selected factor.

14. The computerized method of collecting and distributing personal information on an individual as recited in claim 13, wherein the step of requesting authorization to download the personal information and the at least one weighted score includes paying a request fee by the at least one third party in order to view the real time insurance loss history and account performance information and the at least one weighted score.

15. The computerized method of collecting and distributing personal information on an individual as recited in claim 14, further comprising the step of transmitting authorization data to update the personal information from the at least one remote data collection terminal to the server.

16. The computerized method of collecting and distributing personal information on an individual as recited in claim 15, further comprising the step of a user of the at least one remote data collection terminal paying a user fee to update the personal information.

17. The computerized method of collecting and distributing personal information on an individual as recited in claim 16, wherein said real time insurance loss history and account performance information is selected from the group consisting of:

information related to prior employment of the individual, information related to commercial auto insurance, general liability insurance, garage insurance, property insurance, inland marine insurance, workers'"'"' compensation, health insurance, home insurance, personal auto insurance, cargo insurance, umbrella insurance, excess liability insurance, difference in conditions insurance, motor home insurance, recreational vehicle insurance, motorcycle insurance, watercraft insurance, vehicle insurance, commercial insurance, personal insurance, liability fidelity bonds and surety bonds.

18. The computerized method of collecting and distributing personal information on an individual as recited in claim 16, wherein said personal information is collected and updated in real time.

19. The computerized method of collecting and distributing personal information on an individual as recited in claim 16, wherein said personal information includes insurance-related information selected from the group consisting of:

insurance payment history, non-renewal history, cancellations of insurance, motor vehicle reports and prior misrepresentations.

20. The computerized method of collecting and distributing personal information on an individual as recited in claim 16, wherein said personal information is sub-divided into categories including prior claim performance, prior customer satisfaction, insurance payment history, motor vehicle report history, insurance premium size, insurance policy duration and prior complaint filings.