System and method for an automated validation system
First Claim
1. An automated validation system for validating information used to determine insurance policy adjustments, comprising:
- an application server of an insurance company configured to;
obtain from a database information about at least one current policyholder, at least one property of the at least one current policyholder being covered under a property insurance policy offered by the insurance company, wherein a portion of the information indicates that the at least one property of the at least one current policyholder is receiving remote monitoring services from a service provider, wherein the at least one property is one of a home and its associated grounds, an apartment complex, a condominium building and an office building, the remote monitoring services employing sensors for detecting one or more of fire hazards, carbon monoxide levels, water leakage, break-ins and low temperatures;
validate on a repeated basis more frequently than a term of the property insurance policy and during the term of the property insurance policy, by a trusted third party server employing a secure peer-to-peer communication protocol, that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider, the trusted third party not being either the insurance company or the service provider, said validating occurring more frequently than the term of the property insurance policy, the trusted third party server further receiving policyholder data from the insurance company and customer data from the service provider and said validating being based on the received policyholder data and customer data without the trusted third party server providing policyholder data to the service provider, and wherein the service provider does not provide customer data of the service provider to the application server, the trusted third party server performing validating by comparing names of policyholders to names of customers of the service provider to identify matching names, identifying policyholder names not matching a name of any customer, approximating the names of the policyholders not matching a name of any customer to be within a predefined code distance apart from an original name of the current policyholder and comparing the approximated name with names of customers of the service provider;
store in the database validation results received from the trusted third party server, anda business logic computer in communication with the application server configured to determine an insurance policy adjustment given to the at least one current policyholder, responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is either (i) not currently receiving remote monitoring services from the service provider or (ii) currently receiving remote monitoring services from the service provider different from the remote monitoring services indicated in the portion of the information indicating receipt of remote monitoring services, and responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider as indicated in the portion of the information indicating receipt of remote monitoring services, configured to determine that an insurance policy benefit provided to the policyholder remains unchanged.
1 Assignment
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Accused Products
Abstract
An automated validation system validates whether a property of a policyholder receiving at least one insurance benefit is currently receiving remote monitoring services, as represented by the policyholder. The system includes an application server, a trusted third party server, and a business logic computer. The application server requests the trusted third party server to validate whether the property of the policyholder is presently receiving remote monitoring services from a service provider. A business logic computer can adjust the policyholder'"'"'s insurance policy based on the received validation results.
270 Citations
30 Claims
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1. An automated validation system for validating information used to determine insurance policy adjustments, comprising:
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an application server of an insurance company configured to; obtain from a database information about at least one current policyholder, at least one property of the at least one current policyholder being covered under a property insurance policy offered by the insurance company, wherein a portion of the information indicates that the at least one property of the at least one current policyholder is receiving remote monitoring services from a service provider, wherein the at least one property is one of a home and its associated grounds, an apartment complex, a condominium building and an office building, the remote monitoring services employing sensors for detecting one or more of fire hazards, carbon monoxide levels, water leakage, break-ins and low temperatures; validate on a repeated basis more frequently than a term of the property insurance policy and during the term of the property insurance policy, by a trusted third party server employing a secure peer-to-peer communication protocol, that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider, the trusted third party not being either the insurance company or the service provider, said validating occurring more frequently than the term of the property insurance policy, the trusted third party server further receiving policyholder data from the insurance company and customer data from the service provider and said validating being based on the received policyholder data and customer data without the trusted third party server providing policyholder data to the service provider, and wherein the service provider does not provide customer data of the service provider to the application server, the trusted third party server performing validating by comparing names of policyholders to names of customers of the service provider to identify matching names, identifying policyholder names not matching a name of any customer, approximating the names of the policyholders not matching a name of any customer to be within a predefined code distance apart from an original name of the current policyholder and comparing the approximated name with names of customers of the service provider; store in the database validation results received from the trusted third party server, and a business logic computer in communication with the application server configured to determine an insurance policy adjustment given to the at least one current policyholder, responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is either (i) not currently receiving remote monitoring services from the service provider or (ii) currently receiving remote monitoring services from the service provider different from the remote monitoring services indicated in the portion of the information indicating receipt of remote monitoring services, and responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider as indicated in the portion of the information indicating receipt of remote monitoring services, configured to determine that an insurance policy benefit provided to the policyholder remains unchanged. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for validating information used to determine insurance policy adjustments, comprising:
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obtaining by an application server of an insurance company from a database information about at least one current policyholder, at least one property of the at least one current policyholder covered under a property insurance policy offered by the insurance company, wherein a portion of the information indicates that at least one property of the at least one policyholder is receiving remote monitoring services from a service provider, wherein the at least one property is one of a home and its associated grounds, an apartment complex, a condominium building, and an office building, the remote monitoring services employing sensors for detecting one or more of fire hazards, carbon monoxide levels, water leakage, break-ins and low temperatures; validating, employing a secure peer-to-peer communication protocol, by a trusted third party server on a repeated basis more frequently than a term of the property insurance policy and during the term of the property insurance policy, that the at least one property of the at least one policyholder is currently receiving remote monitoring services from the service provider, the trusted third party not being either the insurance company or the service provider, said validating occurring more frequently than the term of the property insurance policy, the trusted third party server further receiving policyholder data from the insurance company and customer data from the service provider and said validating being based on the received policyholder data and customer data without the trusted third party providing policyholder data to the service provider, and wherein the service provider does not provide customer data of the service provider to the application server, the trusted third party server performing validating by comparing names of policyholders to names of customers of the service provider to identify matching names, identifying policyholder names not matching a name of any customer, approximating the names of the policyholders not matching a name of any customer to be within a predefined code distance apart from an original name of the current policyholder and comparing the approximated name with names of customers of the service provider; storing by the application server in the database validation results received from the trusted third party server; and responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is either (i) not currently receiving remote monitoring services from the service provider or (ii) currently receiving remote monitoring services from the service provider different from the remote monitoring services indicated in the portion of the information indicating receipt of remote monitoring services, determining by a business logic computer in communication with the application server an insurance policy adjustment given to the at least one policyholder, and responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider as indicated in the portion of the information indicating receipt of remote monitoring services, determining by the business logic computer that an insurance policy benefit provided to the policyholder remains unchanged. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27)
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28. A computerized system for validation, comprising:
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an application server of an insurance company configured to; obtain from a database information about at least one current policyholder, at least one property of the at least one current policyholder being covered under a property insurance policy offered by the insurance company, wherein a portion of the information indicates that the at least one property of the at least one current policyholder is receiving remote monitoring services from a service provider, wherein the at least one property is one of a home and its associated grounds, an apartment complex, a condominium building and an office building, the remote monitoring services employing sensors for detecting one or more of fire hazards, carbon monoxide levels, water leakage, break-ins and low temperatures; permit the at least one current policyholder to establish an online account with the insurance company; permit the at least one current policyholder to login to the online insurance company account; while the at least one current policyholder is simultaneously logged in to the online insurance company account and to an account with a computer system of the service provider, receive, by the application server, a token from the service provider system, the token indicative that the at least one current policyholder is an active customer of the service provider; establish a communication session between the application server and the service provider system and receive from the service provider system additional information indicative of services provided to the at least one current policyholder by the service provider; and store in the database validation results indicative of whether the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider, received from the at least one current policyholder account, and a business logic computer in communication with the application server configured to determine an insurance policy adjustment given to the at least one current policyholder, responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services, that the at least one property of the at least one current policyholder is either (i) not currently receiving remote monitoring services from the service provider or (ii) currently receiving remote monitoring services from the service provider different from the remote monitoring services indicated in the portion of the information indicating receipt of remote monitoring services, and responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider as indicated in the portion of the information indicating receipt of remote monitoring services, configured to determine that an insurance policy benefit provided to the policyholder remains unchanged. - View Dependent Claims (29, 30)
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Specification