SYSTEM AND METHOD FOR ELECTRONIC POLICYHOLDER REVIEW USING DYNAMIC INTERVIEWS
First Claim
1. A computer-implemented method of performing an electronic audit of an insurance policy comprising:
- receiving a registration of an insured through an electronic audit system of an insurer, the electronic audit system comprising at least one processing device, wherein the insured holds an insurance policy with the insurer;
receiving a first plurality of responses through the electronic audit system, wherein each of the first plurality of responses is responsive to at least one of a plurality of account queries;
receiving a second plurality of responses through the electronic audit system, wherein each of the second plurality of responses is responsive to at least one of a plurality of risk path queries, and wherein at least one of the plurality of risk path queries is based on at least one of the second plurality of responses; and
determining, based on at least one of the first plurality of responses and the second plurality of responses, an adjustment to an insurance premium paid by the insured for the insurance policy.
1 Assignment
0 Petitions
Accused Products
Abstract
A policyholder report may be obtained by an insurer from an insured through a series of questions presented by an automated, electronic system. The insured may access the system through a portal, such as a graphical user interface, which may ask the insured a dynamic series of account and/or risk-based questions at or near the expiration of an insurance policy term, and permit the insured to submit verification and supporting information through the portal. Based on the insured'"'"'s responses to the questions and the information provided, the insurer may complete a review and/or audit, and determine an adjustment to the premium. Additionally, the system may permit the insured and the insurer to review the audit during all stages of completion, and may allow the insured to opt out of the electronic process at any time, or to dispute the results of the audit through the portal.
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Citations
28 Claims
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1. A computer-implemented method of performing an electronic audit of an insurance policy comprising:
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receiving a registration of an insured through an electronic audit system of an insurer, the electronic audit system comprising at least one processing device, wherein the insured holds an insurance policy with the insurer; receiving a first plurality of responses through the electronic audit system, wherein each of the first plurality of responses is responsive to at least one of a plurality of account queries; receiving a second plurality of responses through the electronic audit system, wherein each of the second plurality of responses is responsive to at least one of a plurality of risk path queries, and wherein at least one of the plurality of risk path queries is based on at least one of the second plurality of responses; and determining, based on at least one of the first plurality of responses and the second plurality of responses, an adjustment to an insurance premium paid by the insured for 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 electronic audit system, comprising:
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a computerized processing device; and a memory device in communication with the computerized processing device and storing specially-programmed instructions that when executed by the computerized processing device result in; receiving by an insurer from an insured a registration, wherein the insured holds an insurance policy with the insurer; receiving a first plurality of responses, wherein each of the first plurality of responses is responsive to at least one of a plurality of account queries; receiving a second plurality of responses, wherein each of the second plurality of responses is responsive to at least one of a plurality of risk path queries, and wherein at least one of the plurality of risk path queries is based on at least one of the second plurality of responses; and determining, based on at least one of the first plurality of responses and the second plurality of responses, an adjustment to an insurance premium paid by the insured for the insurance policy. - View Dependent Claims (21, 22)
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23. A computer-readable memory storing instructions that when executed by a computer comprising at least one processor result in:
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receiving, by a specially programmed computer device and from an insured, a registration of the insured, wherein the insured holds an insurance policy with an insurer; receiving, by the specially programmed computer device, a first plurality of responses, wherein each of the first plurality of responses is responsive to at least one of a plurality of account queries; receiving, by the specially programmed computer device, a second plurality of responses, wherein each of the second plurality of responses is responsive to at least one of a plurality of risk path queries, and wherein at least one of the plurality of risk path queries is based on at least one of the second plurality of responses; and determining, by the specially programmed computer device and based on at least one of the first plurality of responses and the second plurality of responses, an adjustment to an insurance premium paid by the insured for the insurance policy. - View Dependent Claims (24, 25)
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26. A computer-implemented method of performing an electronic dispute resolution of an insurance policy audit comprising:
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providing to an insured through an electronic audit system of an insurer, the electronic audit system comprising at least one processing device, an adjustment to an insurance premium paid by the insured for an insurance policy held with the insurer; receiving a request for a review of the adjustment from the insured through the electronic audit system; receiving a plurality of responses through the electronic audit system, wherein each of the plurality of responses is responsive to at least one of a plurality of risk path queries, and wherein at least one of the plurality of risk path queries is based on at least one of the plurality of responses; and determining, based on at least one of the plurality of responses, a modified adjustment to the insurance premium. - View Dependent Claims (27, 28)
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Specification