Computer system and method for processing of data related to insurance quoting
First Claim
1. A computer system for processing data related to quotes for at least one insurance product, comprising:
- a data storage device storing data relating to a plurality of insurance processes related to the at least one insurance product, the plurality of insurance processes comprising a data input process and a process for determining at least one premium; and
at least one computer system processor in communication with the data storage device, the at least one computer system processor configured to;
provide a plurality of graphical user interfaces for display, a first of the plurality of graphical user interfaces corresponding to the data input process and configured for entry of information comprising at least name and address data of a proposed insured for the at least one insurance product, a second one of the plurality of graphical user interfaces configured for display of at least one premium for the at least one insurance product, each one of the plurality of graphical user interfaces corresponding to one of the plurality of insurance processes;
receive information relating to the proposed insured entered by a user;
determine the at least one premium for the at least one insurance product; and
provide the at least one premium to the user;
wherein the plurality of insurance processes are arranged in a sequence, and the insurance processes are allowed to be performed only subsequent to performance of a prior one of the plurality of insurance processes in the sequence.
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Abstract
This invention relates generally to a computer system and method for integrating insurance policy underwriting. In one aspect it integrates the older legacy insurance policy generating systems to on line systems where users access the system through browsers. The computer system to perform the process of underwriting, rating, quoting, binding, and booking an insurance policy includes browsers, data bases, processors and a dispatcher that parses the information to select an insurance process. Suitable software programs review messages received from users to determine if certain messages are less than a prescribed limit. If a message is greater than the limit, then the message is parsed into a header information and one or more data fields whereby the header information is provided to a legacy processor and to policy generation software for further creation of policy related information and documentation.
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Citations
67 Claims
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1. A computer system for processing data related to quotes for at least one insurance product, comprising:
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a data storage device storing data relating to a plurality of insurance processes related to the at least one insurance product, the plurality of insurance processes comprising a data input process and a process for determining at least one premium; and at least one computer system processor in communication with the data storage device, the at least one computer system processor configured to; provide a plurality of graphical user interfaces for display, a first of the plurality of graphical user interfaces corresponding to the data input process and configured for entry of information comprising at least name and address data of a proposed insured for the at least one insurance product, a second one of the plurality of graphical user interfaces configured for display of at least one premium for the at least one insurance product, each one of the plurality of graphical user interfaces corresponding to one of the plurality of insurance processes; receive information relating to the proposed insured entered by a user; determine the at least one premium for the at least one insurance product; and provide the at least one premium to the user; wherein the plurality of insurance processes are arranged in a sequence, and the insurance processes are allowed to be performed only subsequent to performance of a prior one of the plurality of insurance processes in the sequence. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A computer-implemented method for processing data related to quotes for at least one insurance product, comprising:
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accessing by at least one computer system processor data stored in a data storage device, the stored data comprising data relating to a plurality of insurance processes related to the at least one insurance product, the plurality of insurance processes comprising a data input process and a process for determining at least one premium; providing by the at least one computer system processor a first graphical user interface for display, corresponding to the data input process and configured for entry of proposed insured information, receiving by the at least one computer system processor information relating to the proposed insured entered by a user via the first graphical user interface; determining by the at least one computer system processor at least one premium for the proposed insured for the at least one insurance product; and providing by the at least one computer system processor a second graphical user interface comprising a quote for the at least one insurance product; wherein each of the graphical user interfaces corresponds to one of the plurality of insurance processes, and the plurality of insurance processes are arranged in a sequence, and are allowed to be performed only subsequent to a prior one of the plurality of insurance processes in the sequence. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A computer system for processing data related to quotes for at least one insurance product, comprising:
- a data storage device storing data relating to a plurality of insurance processes related to the at least one insurance product; and
at least one computer system processor in communication with the data storage device, the at least one computer system processor configured to;
provide a plurality of graphical user interfaces for display, a first of the plurality of graphical user interfaces configured for entry of information comprising at least name and address data of a proposed insured for the at least one insurance product, a second one of the plurality of graphical user interfaces configured for display of at least one premium for the at least one insurance product, each one of the plurality of graphical user interfaces corresponding to one of the plurality of insurance processes;
receive information relating to the proposed insured entered by a user;
determine the at least one premium for the at least one insurance product; and
provide the at least one premium to the user;
wherein the plurality of insurance processes are arranged in a sequence, and the insurance processes comprise, in sequence, at least a data input process, a process for determining at least one premium, and a provide quote process, the insurance processes being allowed to be performed only subsequent to performance of a prior one of the plurality of insurance processes in the sequence. - View Dependent Claims (49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67)
- a data storage device storing data relating to a plurality of insurance processes related to the at least one insurance product; and
Specification