Method and system for determining insurance needs
First Claim
1. A computer-implemented method for generating an assessment of insurance needs for an individual, the method comprising:
- receiving, by a computer, one or more data feeds comprising personal information corresponding to the individual, wherein the received data feeds comprise an authorization condition requiring deletion of the received data feeds by the computer after a single use of the data feeds;
determining, by the computer, a personal identifier associated with the individual based on the received data feeds;
requesting, by the computer, a search of a public computer network for data items having an indicia of the personal identifier;
receiving, by the computer, an indication of a first data item in response to the search of the public computer network;
automatically retrieving, by the computer, the first data item from a remote location in response to receiving the indication; and
generating, by the computer, an assessment of insurance needs for the individual based at least on a portion of the received data feeds and the first data item.
2 Assignments
0 Petitions
Accused Products
Abstract
A computer-implemented method for generating an assessment of insurance needs for an individual includes receiving one or more data feeds comprising personal information corresponding to the individual. The received data feeds are associated with an authorization condition requiring deletion of the received data feeds by the computer after a single use. A personal identifier associated with the individual is determined based on the received data feeds and search of a public computer network is requested for data items having an indicia of the personal identifier. In response to the search of the public computer network, an indication of a first data item is received. The first data item is automatically retrieved from a remote location in response to receiving the indication and an assessment of insurance needs for the individual is generated based at least on a portion of the received data feeds and the first data item.
-
Citations
20 Claims
-
1. A computer-implemented method for generating an assessment of insurance needs for an individual, the method comprising:
-
receiving, by a computer, one or more data feeds comprising personal information corresponding to the individual, wherein the received data feeds comprise an authorization condition requiring deletion of the received data feeds by the computer after a single use of the data feeds; determining, by the computer, a personal identifier associated with the individual based on the received data feeds; requesting, by the computer, a search of a public computer network for data items having an indicia of the personal identifier; receiving, by the computer, an indication of a first data item in response to the search of the public computer network; automatically retrieving, by the computer, the first data item from a remote location in response to receiving the indication; and generating, by the computer, an assessment of insurance needs for the individual based at least on a portion of the received data feeds and the first data item. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A computer-implemented method for generating an actuarial analysis of risk, the method comprising:
-
receiving, by a computing device, a plurality of data feeds comprising personal information corresponding to a plurality of individuals, wherein each received data feed comprises an authorization condition requiring deletion of a respective data feed by the computing device after a single use of the data feeds; determining, by the computing device, a plurality of personal identifiers associated with the individuals based on the received data feeds; requesting, by the computing device, a search of a public computer network for data items having an indicia of one or more of the personal identifiers; receiving, by the computing device, an indication of at least one first data item in response to the search; automatically retrieving, by the computing device, the at least one first data item from one or more remote locations in response to receiving the indication; and generating, by the computing device, an actuarial analysis of risk based at least on a portion of the received data feeds and the at least one first data item. - View Dependent Claims (10, 11, 12, 13, 14, 15)
-
-
16. A system for generating an assessment of insurance needs for an individual, the system comprising:
-
a first receiver configured to receive one or more data feeds comprising an authorization condition requiring deletion of the received data feeds by the system after a single use of the data feeds; a first processor configured to determine a personal identifier associated with the individual based on the received data feeds and request a search of a public computer network for data items having an indicia of the personal identifier; a second receiver configured to receive an indication of a first data item in response to the search of the public computer network; and a second processor configured to automatically retrieve the first data item from a remote location in response to receiving the indication, and generate an assessment of insurance needs for the individual based at least on a portion of the received data feeds and the first data item. - View Dependent Claims (17, 18, 19, 20)
-
Specification