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Consumer-Centered Risk Analysis and Insurance Purchasing Systems and Methods

  • US 20150006206A1
  • Filed: 06/30/2014
  • Published: 01/01/2015
  • Est. Priority Date: 07/01/2013
  • Status: Active Grant
First Claim
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1. A risk and policy analysis, advisory, and insurance purchasing system comprising:

  • a user database for storing user data;

    a default profile database comprising a plurality of default profiles and related data;

    a data import-export system to electronically import or export data from and to a plurality of sources connected via a network, the data import-export system comprising;

    an import-export engine electronically connected via a network to a plurality of sources;

    an interview engine comprising a store of questions concerning risks and a cognitive logic processor configured to select and present questions from the store based on one or more answers to one or more previously presented questions from the store;

    an analysis engine configured to evaluate answers to questions from the store, determine a risk profile based on the evaluation, select insurance provisions responsive to the risk profile, and present the results of the selection;

    a plurality of internal databases and sources connected through a network; and

    a plurality of external databases and sources connected through a network.

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