SYSTEM AND METHOD FOR ENCOURAGING SAFETY PERFORMANCE

• US 20120072241A1
• Filed: 10/14/2010
• Published: 03/22/2012
• Est. Priority Date: 09/21/2010
• Status: Abandoned Application

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Rippel, Steven P., Krause, Jacqueline LeSage, Grosso, Anthony J.
• Application Number:
  US12/904,567
• Publication Number:
  US 20120072241A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Systems and methods are disclosed herein for sharing of information related to insurance customers'"'"' participation in a group dividend plan. The system includes a database and a business logic processor in communication with the database. The database stores data regarding a plurality of insurance group dividend plans, including, for each plan, data about a group of customers assigned to the plan and safety data associated with each of the assigned customers. The business logic processor can obtain safety data associated with customers in the group. The business logic processor can provide the obtained safety data associated with one customer to a different customer via a social networking application or other interactive graphical user interface. The business logic processor can also determine a dividend to provide to each of a group of customers based at least partially on the safety data.

Claims

1. A system for providing sharing of information related to insurance customers'"'"' participation in a group dividend plan, comprising:

a database configured to store data regarding a plurality of insurance group dividend plans, including, for each plan, a group of customers assigned to the plan and safety data associated with each customer of the group of customers assigned to the plan; and

a business logic processor in communication with the database, configured to

obtain safety data associated with at least a first and a second customer of the group;

provide the obtained safety data associated with the second customer to the first customer; and

determine a dividend to provide to each customer of the group of customers based at least in part on the safety data.

2. The system of claim 1, wherein the safety data is indicative of a customer'"'"'s performance in a loss prevention program implemented as part of the group dividend plan.

3. The system of claim 2, wherein the loss prevention program includes use of a vehicle telematics monitoring system, and wherein the safety data is based upon data output by the telemetrics monitoring system.

4. The system of claim 1, wherein the business logic computer is configured to provide to the first customer the safety data individually associated with the second customer.

5. The system of claim 1, wherein the safety data associated with the second customer comprises an aggregate safety evaluation taking into account safety data associated with multiple customers, including the second customer, assigned to the group.

6. The system of claim 1, wherein the business logic processor is configured to provide the obtained safety data to the customer via a social networking application.

7. The system of claim 1, wherein the business logic processor is in communication with a social networking system configured to allow users of the social networking system to provide safety feedback to customers.

8. The system of claim 7, wherein the business logic processor is configured to automatically suggest improvements to a first customer for improving the first customer'"'"'s safety data.

9. The system of claim 7, wherein the business logic processor is configured to automatically determine and publish on a social network rewards given to a first customer based on the first customer'"'"'s safety data.

10. The system of claim 1, wherein the safety data comprises a driving score.

11. A computerized method for providing sharing of information related to insurance customers'"'"' participation in a group dividend plan, the method comprising:

storing a database data regarding a plurality of insurance group dividend plans, including, for each plan, a group of customers assigned to the plan and safety data associated with each customer of the group of customers assigned to the plan;

obtaining by a computer safety data associated with at least a first and a second customer of the group;

providing via a computer the obtained safety data associated with the second customer to the first customer; and

determining by the computer a dividend to provide to each customer of the group of customers based at least in part on the safety data.

12. The computerized method of claim 11, wherein the safety data is indicative of a customer'"'"'s performance in a loss prevention program implemented as part of the group dividend plan.

13. The computerized method of claim 12, wherein the loss prevention program includes use of a vehicle telematics monitoring system, and wherein the safety data is based upon data output by the telemetrics monitoring system.

14. The computerized method of claim 11, further comprising providing to a first customer the safety data individually associated with the second customer.

15. The computerized method of claim 11, wherein the safety data associated with the second customer comprises an aggregate safety evaluation taking into account safety data associated with multiple customers, including the second customers, assigned to the group.

16. The computerized method of claim 11, further comprising providing the obtained safety data to the customer via a social networking application.

17. The computerized method of claim 11, further comprising communicating with a social networking system configured to allow users of the social networking system to provide safety feedback to customers.

18. The computerized method of claim 17, further comprising automatically suggesting improvements to a first customer for improving the first customer'"'"'s safety data.

19. The system of claim 17, further comprising automatically determining and publishing on a social network rewards given to a first customer based on the first customer'"'"'s safety data.

20. The system of claim 11, wherein the safety data comprises a driving score.

21. A system for providing sharing of information related to insurance customers'"'"' participation in a group dividend plan, comprising:

a processor configured to generate an interactive graphical user interface for use by a first customer, wherein the interface is further configured to;

receive from a remote database safety data;

associate the received safety data with at least a first and a second customer of an insurance company participating in a common group dividend plan; and

depict the obtained safety data associated with the second customer to the first customer.

22. The system of claim 21, wherein the safety data comprises data indicative of sensor data output by a telematics monitoring system.

23. The system of claim 21, wherein the safety data is indicative of a customer'"'"'s performance in a loss prevention program implemented as part of the group dividend plan.

24. The system of claim 21, wherein the interactive graphical user interface is configured to provide to a first customer the safety data individually associated with the second customer.

25. The system of claim 21, wherein the safety data associated with the second customer comprises an aggregate safety evaluation taking into account safety data associated with multiple customers, including the second customer, assigned to the group.

26. The system of claim 21, wherein the interactive graphical user interface comprises a social networking application for allowing the sharing and communication of information among customers of the plan.

27. The system of claim 21, wherein the interactive graphical user interface is configured to allow the first customer to provide safety feedback to the second customer upon viewing of safety data associated with the second customer.

28. The system of claim 21, wherein the interactive graphical user interface is configured to display an award earned by a first customer.

29. The system of claim 21, wherein the interactive graphical user interface is configured to provide an option for a first customer to cause an award earned by the first customer to be displayed to a second customer.

30. The system of claim 21, wherein the interactive graphical user interface is configured to allow a customer of a first group to view aggregate safety data of a second group.

31. A non-transitory computer readable medium storing computer executable instructions, which, when executed by a processor, cause the processor to carry out a method for sharing information related to insurance customers'"'"' participation in a group dividend plan comprising:

generating an interactive graphical user interface for use by a first customer, wherein the interface is further configured to;

receive from a remote database safety data associated with at least a first and a second customer of an insurance company participating in a common group dividend plan; and

depict the obtained safety data associated with the second customer to the first customer.

32. The non-transitory computer readable medium of claim 31, wherein the safety data comprises data indicative of sensor data output by a telematics monitoring system.

33. The non-transitory computer readable medium of claim 31, wherein the safety data is indicative of a customer'"'"'s performance in a loss prevention program implemented as part of the group dividend plan.

34. The non-transitory computer readable medium of claim 31, wherein the interactive graphical user interface is configured to provide to a first customer the safety data individually associated with the second customer.

35. The non-transitory computer readable medium of claim 31, wherein the safety data associated with the second customer comprises an aggregate safety evaluation taking into account safety data associated with multiple customers, including the second customer, assigned to the group.

36. The non-transitory computer readable medium of claim 31, wherein the interactive graphical user interface comprises a social networking application for allowing the sharing and communication of information among customers of the plan.

37. The non-transitory computer readable medium of claim 31, wherein the interactive graphical user interface is configured to allow the first customer to provide safety feedback to the second customer upon viewing of safety data associated with the second customer.

38. The non-transitory computer readable medium of claim 31, wherein the interactive graphical user interface is configured to display an award earned by a first customer.

39. The non-transitory computer readable medium of claim 31, wherein the interactive graphical user interface is configured to provide an option for a first customer to cause an award earned by the first customer to be displayed to a second customer.

40. The non-transitory computer readable medium of claim 31, wherein the interactive graphical user interface is configured to allow a customer of a first group to view aggregate safety data of a second group.