Method and system for processing and optimizing travel insurance transactions
First Claim
1. A method for processing communications between a travel insurer and a travel service provider, comprising the steps of:
- storing, at a travel insurer system, a plurality of mappings between messaging formats used by a plurality of travel service providers and a messaging format used by a travel insurer;
receiving, at the travel insurer system, itinerary data in a first messaging format corresponding to a consumer travel itinerary generated by a first travel service provider, wherein the itinerary data includes destination information and cost information;
converting, at the travel insurer system, the itinerary data in the first messaging format to itinerary data in the travel insurer messaging format based on a stored mapping of the first messaging format to the travel insurer messaging format;
determining, at the travel insurer system, at least one optimal travel insurance policy based on the itinerary data in the travel insurer messaging format; and
transmitting information pertaining to the at least one optimal travel insurance policy to the first travel service provider for presentation to a customer of the travel service provider.
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Accused Products
Abstract
A method and system for processing communications between travel service providers and travel insurers where travel service providers use different messaging formats. A travel service provider transmits itinerary data to a travel insurer in one messaging format. The travel insurer may then convert the itinerary data into a format compatible with the travel insurer'"'"'s system and determine an optimal policy choice based on the itinerary data. The travel insurer may then transmit this choice to the travel service provider in the travel service provider'"'"'s preferred messaging format, and the travel service provider offers the product to the consumer through the travel service provider'"'"'s interface.
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Citations
21 Claims
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1. A method for processing communications between a travel insurer and a travel service provider, comprising the steps of:
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storing, at a travel insurer system, a plurality of mappings between messaging formats used by a plurality of travel service providers and a messaging format used by a travel insurer; receiving, at the travel insurer system, itinerary data in a first messaging format corresponding to a consumer travel itinerary generated by a first travel service provider, wherein the itinerary data includes destination information and cost information; converting, at the travel insurer system, the itinerary data in the first messaging format to itinerary data in the travel insurer messaging format based on a stored mapping of the first messaging format to the travel insurer messaging format; determining, at the travel insurer system, at least one optimal travel insurance policy based on the itinerary data in the travel insurer messaging format; and transmitting information pertaining to the at least one optimal travel insurance policy to the first travel service provider for presentation to a customer of the travel service provider. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A travel insurer system, for processing communications with a travel service provider, having at least one tangible non-transient computer-readable medium with computer-executable instructions stored thereon, the computer-executable instructions, when executed by a processor, causing the following steps to be performed:
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storing a plurality of mappings between messaging formats used by a plurality of travel service providers and a messaging format used by a travel insurer; receiving itinerary data in a first messaging format corresponding to a consumer travel itinerary generated by a first travel provider, wherein the itinerary data includes destination information and cost information; converting the itinerary data in the first messaging format to itinerary data in the travel insurer messaging format based on a stored mapping of the first messaging format to the travel insurer messaging format; determining at least one optimal travel insurance policy based on the itinerary data in the travel insurer messaging format; and transmitting information pertaining to the at least one optimal travel insurance policy to the travel service provider for presentation to a customer of the travel service provider. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A travel insurer system, comprising:
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at least one server including a data processor, the at least one server being configured for receiving itinerary data in a travel service provider format corresponding to a consumer travel itinerary generated by a first travel service provider, wherein the itinerary data includes destination information and cost information, for converting the itinerary data into a travel insurer messaging format compatible with the travel insurance system, for determining at least one optimal travel insurance policy based on the converted itinerary data, and for transmitting information pertaining to the at least one travel insurance optimal policy to the first travel service provider for presentation to a customer of the travel service provider; and at least one database for storing a plurality of mappings between messaging formats used by a plurality of travel service providers and a messaging format used by a travel insurer and for storing information used by the rating and issuance engine to determine the at least one optimal travel insurance policy. - View Dependent Claims (18, 19, 20, 21)
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Specification