Computer system for generating calculator interface elements for remote device display

• US 9,652,807 B2
• Filed: 04/08/2016
• Issued: 05/16/2017
• Est. Priority Date: 08/10/2011
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Thomas, Hal S., Patel, Kamal D., Pelaez, Andres, Sprague, Deborah D., Varner, Jason T.
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US15/094,828
• Publication Number:
  US 20160225099A1
• Time in Patent Office: 403 Days
• Field of Search: 705 3- 44
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Described are computer systems for interactions with a user device and third party computers. In an embodiment, a computer system for determining and displaying total loss calculations includes accessing third party computer systems for a plurality of data items. The computer system may include data storage devices, computer processors, a communications device, and a memory coupled to the computer processors. The memory may store program instructions which are operative with the computer processors to provide to a user device for display a total loss calculator graphical interface, receive inputs from the user device, request data from third party computers based on the received inputs, determine whether the data needed to perform a total loss calculation has been received, and perform a total loss calculation based on the requested data from the third party computer and the user inputs received from the graphical interface provided to the user device.

Claims

1. A system for generating a calculator interface including displays for conducting comprehensive integrated calculations including accessing third party computer systems for a plurality of data items, comprising:

a calculator interface server computer configured to;

provide, by a communications device via a data network to a user device in relation to a totaled vehicle, a total loss calculator graphical interface including an enabled state selection input field and a disabled state guidelines viewer;

responsive to receipt of the state selection input;

enable, by the communications device via the data network to the user device, the state guidelines viewer for the total loss calculator graphical interface, said state guidelines viewer corresponding to the state selection input and including selectable state specific information for viewing; and

request, by the communications device via the data network from a state jurisdictional computer, state jurisdictional data and state cost data for the totaled vehicle;

determine whether all required data to calculate a total loss amount has been received;

responsive to a positive determination that all of the required data to calculate the total loss amount has been received;

calculate a net total amount for the totaled vehicle including a first net total amount in a first scenario where a coverage entity obtains the totaled vehicle and a second net total amount in a second scenario where an owner retains the totaled vehicle, the first and second net total amounts calculated based on application of a plurality of fee rules associated with the state jurisdictional data, the state cost data, and said state selection input; and

provide by the communications device via the data network to the user device, a first display on a first portion of the total loss calculator graphical interface of the first net total amount corresponding to the first scenario where the coverage entity obtains the totaled vehicle and a second display on a second portion of the total loss calculator graphical interface of the second net total amount corresponding to the second scenario where the owner retains the totaled vehicle.

2. The computer system of claim 1, wherein the calculator interface server computer is further configured to, responsive to a negative determination that all of the required data to calculate the total loss amount has been received, provide a third display on the total loss calculator graphical interface indicating additional data needed.

3. The computer system of claim 1, wherein the total loss calculator graphical interface provided to the user device further includes an enabled claim identification input field and a validation button selectable to cause validation of the claim identification input;

and

wherein the calculator interface server computer is further configured to;

responsive to receipt, from the user device via the data network by the communications device, of the claim identification input and selection of the validation button, validate the claim identification input for a claim corresponding to the totaled vehicle; and

responsive to positive validation of the claim identification input, enable, by the communications device via the data network to the user device, the state selection input field for the total loss calculator graphical interface and disable the claim identification input field.

4. The computer system of claim 1, wherein the calculator interface server computer is further configured, responsive to receipt of the state selection input, to:

provide by the communications device via the data network to the user device, a calculate button on the total loss calculator graphical interface, said calculate button being selectable to cause calculation of the total loss amount based on the state jurisdictional data, the state cost data, and data entered by the user in the total loss calculator graphical interface;

wherein the calculator interface server computer being configured to determine whether all required data to calculate the total loss amount has been received is configured to determine whether all the required data to calculate the total loss amount has been received responsive to receipt of selection of the calculate button.

5. The computer system of claim 1, wherein the calculator interface server computer being configured to request the state cost data comprises memory storing instructions operative with the one or more computer processors to:

transmit, by the communications device via the data network, the state selection input and a request for the state cost data to a third party state cost computer of a third party source of cost data; and

receive, by the communications device via the data network from the third party state cost computer, the state cost data.

6. The computer system of claim 1, wherein the calculator interface server computer being configured to request state jurisdictional data comprises memory storing instructions operative with the one or more computer processors to:

transmit, by the communications device via the data network, the state selection input and a request for the state jurisdictional data to a third party jurisdictional computer of a third party source of jurisdictional data; and

receive, by the communications device via the data network from the third party jurisdictional computer, the state jurisdictional data.

7. The computer system of claim 1, wherein the calculator interface server computer is further configured to:

transmit, by the communications device via the data network, a request for vehicle value data for the totaled vehicle to a third party vehicle value computer of a third party source of vehicle value data; and

receive, by the communications device via the data network from the third party vehicle value computer, the vehicle value data for the totaled vehicle;

wherein the first and second net total amounts are further based on the received vehicle value data for the totaled vehicle.

8. The computer system of claim 1, wherein the calculator interface server computer is further configured to:

responsive to the positive determination that all of the required data to calculated the total loss amount has been received, transmit, by the communications device via the data network, the state selection input to a vehicle rental computer for determination of one or both of an estimate of a number of days and a price that the coverage entity will pay for rental of a rental vehicle by an owner of the totaled vehicle.

9. The computer system of claim 1, wherein the calculator interface server computer is further configured to provide to the user device for display, by the communications device, a vehicle replacement interface through the total loss calculator graphical interface.

10. A method for determining and displaying integrated calculations on a configurable user interface including accessing third party computer systems for a plurality of data items, comprising:

providing, by a calculator interface server computer by a communications device of the calculator interface server computer, via a data network to a user device in relation to a totaled vehicle, a total loss calculator graphical interface including an enabled state selection input field and a disabled state guidelines viewer;

responsive to receipt of the state selection input;

enabling, by the communications device of the calculator interface server computer via the data network, a state guidelines viewer for the total loss calculator graphical interface on the user device, said state guidelines viewer corresponding to the state selection input and including selectable state specific information for viewing; and

requesting, by the communications device of the calculator interface server computer via the data network from a state jurisdictional computer, state jurisdictional data and state cost data for the totaled vehicle;

determining, by the calculator interface server computer, whether all required data to calculate a total loss amount has been received;

responsive to a positive determination that all of the required data to calculated the total loss amount has been received;

calculating, by the calculator interface server computer, a net total amount for the totaled vehicle including a first net total amount in a first scenario where a coverage entity obtains the totaled vehicle and a second net total amount in a second scenario where an owner retains the totaled vehicle, the first and second net total amounts calculated based on an application of a plurality of fee rules associated with the state jurisdictional data, the state cost data, and said state selection input; and

providing, by the communications device of the calculator interface server computer via the data network to the user device, a first display on a first portion of the total loss calculator graphical interface of the first net total amount corresponding to the first scenario where the coverage entity obtains the totaled vehicle and a second display on a second portion of the total loss calculator graphical interface of the second net total amount corresponding to the second scenario where the owner retains the totaled vehicle.

11. The method of claim 10, further comprising, responsive to a negative determination that all of the required data to calculate the total loss amount has been received, providing, by the communications device of the calculator interface server computer via the data network, a third display on the total loss calculator graphical interface of the user device indicating additional data needed.

12. The method of claim 10, wherein the provided total loss calculator graphical interface further includes an enabled claim identification input field and a validation button selectable to cause validation of the claim identification input;

and wherein the method further comprises;

responsive to receiving from the user device via the data network, by the communications device, of the claim identification input and selection of the validation button, validate, by the calculator interface server computer, the claim identification input for a claim corresponding to the totaled vehicle; and

responsive to positive validation of the claim identification input, enabling, by the communications device of the calculator interface server computer via the data network to the user device, the state selection input field for the total loss calculator graphical interface, and disabling the claim identification input field.

13. The method of claim 12, further comprising:

providing, by the communications device of the calculator interface server computer via the data network to the user device, a calculate button on the total loss calculator graphical interface, said calculate button being selectable to cause calculation of the total loss amount based on the state jurisdictional data, the state cost data, and data input by the user into the total loss calculator graphical interface; and

wherein determining whether all required data to calculate the total loss amount has been received is performed responsive to receipt of selection of the calculate button.

14. The method of claim 10, wherein requesting state cost data comprises:

transmitting, by the communications device of the calculator interface server computer via the data network, the state selection input and a request for the state cost data to a third party state cost computer of a third party source of cost data; and

receiving, by the communications device of the calculator interface server computer via the data network from the third party state cost computer, the state cost data.

15. The method of claim 10, wherein requesting state jurisdictional data comprises:

transmitting, by the communications device of the calculator interface server computer via the data network, the state selection input and a request for the state jurisdictional data to a third party jurisdictional computer of a third party source of jurisdictional data; and

receiving, by the communications device of the calculator interface server computer via the data network from the third party jurisdictional computer, the state jurisdictional data.

16. The method of claim 10, further comprising:

transmitting, by the communications device of the calculator interface server computer via the data network, a request for vehicle value data for the totaled vehicle to a third party vehicle value computer of a third party source of vehicle value data; and

receiving, by the communications device of the calculator interface server computer via the data network from the third party vehicle value computer, the vehicle value data for the totaled vehicle;

wherein the first and second net total amounts are further based on the received vehicle value data for the totaled vehicle.