Method and apparatus for internet on-line insurance policy service
DC CAFCFirst Claim
1. An on-line insurance policy service system comprising:
- a computer system that enables an insurance policyholder to access insurance data of an existing insurance policy remotely through a publicly accessible network and executes software embodied on a computer readable medium linked to the insurance data;
an information module embodied on the computer readable medium and running on the computer system that identifies the insurance policyholder and verifies an insurance policy parameter of that insurance policyholder in real-time in response to data received from the insurance policyholder through a publicly accessible network;
an insurance policy adjustment module embodied on the computer readable medium and running on the computer system that adjusts an insurance policyholder'"'"'s selected insurance policy parameter within the existing insurance policy in real-time in response to second data received from the insurance policyholder through the publicly accessible network;
wherein the insurance policy adjustment module generates an insurance document customized to the insurance policyholder and sends the customized insurance document to the insurance policyholder in response to the second data received from the insurance policyholder through the publicly accessible network; and
wherein the existing insurance policy comprises a health, a property-casualty, or a liability insurance policy.
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Abstract
An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
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Citations
53 Claims
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1. An on-line insurance policy service system comprising:
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a computer system that enables an insurance policyholder to access insurance data of an existing insurance policy remotely through a publicly accessible network and executes software embodied on a computer readable medium linked to the insurance data; an information module embodied on the computer readable medium and running on the computer system that identifies the insurance policyholder and verifies an insurance policy parameter of that insurance policyholder in real-time in response to data received from the insurance policyholder through a publicly accessible network; an insurance policy adjustment module embodied on the computer readable medium and running on the computer system that adjusts an insurance policyholder'"'"'s selected insurance policy parameter within the existing insurance policy in real-time in response to second data received from the insurance policyholder through the publicly accessible network;
wherein the insurance policy adjustment module generates an insurance document customized to the insurance policyholder and sends the customized insurance document to the insurance policyholder in response to the second data received from the insurance policyholder through the publicly accessible network; andwherein the existing insurance policy comprises a health, a property-casualty, or a liability insurance policy. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An on-line insurance policy service system comprising:
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a browser that enables an insurance policyholder to access remote insurance information and software linked to the remote insurance information; a publicly accessible network that facilitates data transfers from the browser; an information module remote from the browser coupled to the publicly accessible network that identifies the insurance policyholder and verifies an insurance policy parameter of that insurance policyholder in response to and at the same rate data is received from the insurance policyholder through the publicly accessible network and the browser; an insurance policy adjustment module remote from the browser coupled to the publicly accessible network that adjusts an insurance policyholder'"'"'s selected insurance policy parameter in response to and at the same rate second data is received from the insurance policyholder through the publicly accessible network and the browser; and a payment module remote from the browser coupled to the publicly accessible network that determines a cost of the adjustment to an insurance premium in response to the adjustment of the insurance policyholder'"'"'s selected insurance policy parameter; wherein the insurance policy adjustment module communicates to the browser an acknowledgement comprising the change in the insurance premium resulting from the adjustment in the insurance policyholder'"'"'s selected insurance policy parameter. - View Dependent Claims (11, 12)
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13. An on-line insurance policy service system comprising:
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a computer that responds to commands from a client computer that enables an insurance policyholder to access insurance data accessible through a hierarchical address scheme and a publicly accessible network and executes software embodied on a computer readable medium that is linked to the remote insurance information; an information module embodied on the computer readable medium and running on the computer that identifies the insurance policyholder in real-time and verifies an insurance policy parameter of that insurance policyholder in response to first data received from the insurance policyholder through the publicly accessible distributed network; wherein the first data comprises a personal security code that allows access to insurance policy parameters of the insurance policyholder; and an insurance policy adjustment module embodied on the computer readable medium and running on the computer remote from the client computer that adjusts an insurance policyholder'"'"'s policy parameter in real-time in response to second data received from the insurance policyholder through the publicly accessible distributed network; wherein the second data comprises a selection of the insurance policy parameter; wherein the insurance policy adjustment module provides an acknowledgement to the client computer in response to the adjustment of the selected insurance policy parameter; wherein an insurer'"'"'s computer executes the software that generates an insurance document customized to the insurance policyholder as identified by the personal security code and sends the customized insurance document to the client computer in response to the second data received from the insurance policyholder through the publicly accessible distributed network; and wherein the insurance policy parameter comprises a parameter of a health, a property-casualty, or a liability insurance policy. - View Dependent Claims (14)
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15. An on-line insurance policy service system comprising:
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a publicly accessible distributed network interface for transferring data; an information module embodied on a computer readable medium and running on a secure computer system that couples to the publicly accessible distributed network interface that provides functionality to access insurance data through a hierarchical address scheme, the information module identifies an insurance policyholder and verifies an insurance policy parameter of an existing insurance policy of the insurance policyholder in real-time in response to first data received from the insurance policyholder through the publicly accessible distributed network interface; where the first data comprises a personal security code that allows access to insurance policy parameters of the insurance policyholder; and an insurance policy adjustment module embodied on the computer readable medium and running on the computer system coupled to the publicly accessible distributed network interface, the insurance policy adjustment module adjusts the insurance policyholder'"'"'s insurance policy parameter in real-time in response to second data received from the insurance policyholder through the publicly accessible distributed network interface; where the second data comprises a selection of the insurance policy parameter; where the insurance policy adjustment module provides an acknowledgement in response to the adjustment of the selected insurance policy parameter within the existing insurance policy, and implements the adjustment to the existing insurance policy; where an insurer'"'"'s computer transmits an insurance document customized to the insurance policyholder, as identified by the personal security code, through the publicly accessible distributed network interface in response to the second data received from the insurance policyholder through the publicly accessible distributed network interface; and where the existing insurance policy comprises a health, a property-casualty, or a liability insurance policy. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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53. An on-line insurance policy service system comprising:
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an interface configured to enable an insurance policyholder to access personal and historical insurance information remotely through a publicly accessible network and software linked to the insurance information; a computer system that facilitates data transfers from the interface; an information module embodied on a computer readable medium and running on the computer system coupled to a publicly accessible network that is configured to identify the insurance policyholder and verify an insurance policy parameter of an existing insurance policy of that insurance policyholder in real-time in response to data received from the insurance policyholder through the publicly accessible network and the interface; an insurance policy adjustment module embodied on the computer readable medium and running on the computer system coupled to the publicly accessible network that adjusts an insurance policyholder'"'"'s selected insurance policy parameter in real-time in response to second data received from the insurance policyholder through the publicly accessible network and the interface; a visual output coupled to the information module configured to transmit display data that renders a visual of the insurance policy parameter of the insurance policyholder; and a payment module embodied on the computer readable medium and running on the computer system coupled to the publicly accessible network that determines a cost of the adjustment to an insurance premium in response to the adjustment of the insurance policyholder'"'"'s selected insurance policy parameter; wherein the insurance policy adjustment module communicates to the interface an acknowledgement comprising the change in the insurance premium resulting from the adjustment in the insurance policyholder'"'"'s selected insurance policy parameter, and wherein the existing insurance policy comprises a health, a property-casualty, or a liability insurance policy.
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Specification