Method and apparatus for obtaining data from vendors in real time

• US 6,584,467 B1
• Filed: 07/22/1999
• Issued: 06/24/2003
• Est. Priority Date: 12/08/1995
• Status: Expired due to Term

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Haught, Gerald R., Pihl, Ernest M. Jr., Batman, James M., Babij, Karl M.
• Primary Examiner(s): Hafiz, Tariq R.
• Assistant Examiner(s): Jeanty, Romain
• Application Number:
  US09/358,463
• Time in Patent Office: 1,433 Days
• Field of Search: 705/1, 705/4, 705/38, 709/200, 709/201, 709/217, 707/3, 707/4, 707/10, 707/104.1
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: Y10S 707/99933 Query processing, i.e. searching
• CPC Class Codes: Y10S 707/99934 Query formulation, input preparation, or translation
• CPC Class Codes: Y10S 707/99945 Object-oriented database structure processing

Abstract

A system and method of controlling a computer network to obtain information needed to render risk evaluative decisions from vendors in real time. The information may be obtained for agents preparing insurance applications or for an automated application processing system. Agents or automated application processing systems require access to an external vendor to obtain information about a customer, such as car accident or credit records. The request for data must be formatted to be read by the vendor system, which sends the responding data in real time. This responding data is forwarded to the requesting party for further processing of the application.

Claims

1. A method of controlling a computer network to assemble data for rendering decisions based on the data, the network including a data manager having a memory, and a data gathering system coupled to vendors of data, the method comprising the steps, performed by the data manager, of:

processing a request for data to evaluate an application; and

invoking real time information interface processes to retrieve needed additional data through the data gathering system, the step of invoking including the substeps of

applying a series of templates to the request,

formatting the request according to the data vendors,

sending formatted request to the appropriate data vendors for real time processing,

receiving data from the data vendors in response to the formatted request in real time,

matching the received data with the request, and

delivering the matched data to the data manager.

2. The method of claim 1 further including the steps of:

archiving the request at the data manager; and

corresponding the matched data at the data manager with the archived request.

3. The method of claim 1 wherein the invoking step further includes the step of:

storing data received from the vendors in the archive file.

4. The method of claim 2 further including the step of:

checking the archive for the requested data before invoking the information interface processes.

5. The method of claim 1 further including the step of:

determining whether the data gathering system returns matched data within a predetermined period of time.

6. The method of claim 5 further including the step of:

informing the requester that the requested data is unavailable when the matched data is not returned within a predetermined period of time.

7. The method of claim 1 wherein the step of processing a request includes the substeps of

automatically processes applications, and

generating the request for data when needed to process an application.

8. A system for assembling data to render decisions based on the data, the system including:

a data manager having a memory;

means for processing a request for data to evaluate an application;

a data gathering system coupled to vendors of data;

means for invoking real time information interface processes to retrieve needed additional data through the data gathering system;

means for applying a series of templates to the request;

means for formatting the request according to the data vendors;

means for sending formatted request to the appropriate data vendors for real time processing;

means for receiving data from the data vendors in response to the formatted request in real time;

means for matching the received data with the request; and

means for delivering the matched data to the data manager.

9. The system of claim 8 further including:

means for archiving the request at the data manager; and

means for corresponding the matched data at the data manager with the archived request.

10. The system of claim 9 wherein the means for invoking further includes:

means for storing data received from the vendors in the archive file.

11. The system of claim 9 further including:

means for checking the archive for the requested data before invoking the information interface processes.

12. The system of claim 8 further including:

means for determining whether the data gathering system returns matched data within a predetermined period of time.

13. The method of claim 12 further including:

means for informing the requester that the requested data is unavailable when the matched data is not returned within a predetermined period of time.

14. The method of claim 8 wherein the data manager includes:

means for automatically processing applications, and means for generating the request for data when needed to process an application.