Systems and methods for automatically updating data representative of insurance related information
First Claim
1. A computer-implemented method for an insured individual to automatically determine whether vehicle rental coverage is available via an insurance policy of the insured individual, the method comprising:
- automatically receiving, by a processor of a computing device, current data in response to an action by the insured individual via a user input device, wherein the current data is representative of current insurance related information related to an existing valid insurance claim and an assigned vehicle rental performer;
automatically generating, by a processor of a computing device, a current display, on a display device connected to the computing device, based on the current data, wherein the display presents current insurance related information to the insured individual including a vehicle rental branch and date of pick up;
automatically receiving, by a processor of a computing device, change data from the insured individual via the user input device, where the change data is representative of desired change information associated with the current insurance related information, and wherein the desired change information pertains to the vehicle rental;
automatically receiving, by a processor of a computing device, update rules data from an update rules data database stored on a memory of the computing device, wherein the update rules data is representative of rules related to updates to the current insurance related information that are permitted by the insured individual in accordance with the insurance policy, and wherein at least one rule is indicative of whether the vehicle rental is available in accordance with the insurance policy;
automatically determining, by a processor of a computing device, whether at least one change to the current insurance related information is acceptable based on the change data and the update rules data, wherein the at least one change is related to the vehicle rental;
if the at least one change is determined to be acceptable, the current insurance related information is changed based on the change data; and
if the at least one change is determined to not be acceptable, the current insurance related information remains unchanged.
1 Assignment
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Accused Products
Abstract
The present disclosure generally relates to systems and methods for automatically updating data representative of insurance related information. In particular, the present disclosure relates to systems and methods for automatically updating data representative of insurance related information based on data, representative of desired updates, entered by a customer and data representative of update rules. The data representative of desired updates may be compared to the data representative of the update rules to generate updates to data representative of insurance related information.
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Citations
22 Claims
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1. A computer-implemented method for an insured individual to automatically determine whether vehicle rental coverage is available via an insurance policy of the insured individual, the method comprising:
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automatically receiving, by a processor of a computing device, current data in response to an action by the insured individual via a user input device, wherein the current data is representative of current insurance related information related to an existing valid insurance claim and an assigned vehicle rental performer; automatically generating, by a processor of a computing device, a current display, on a display device connected to the computing device, based on the current data, wherein the display presents current insurance related information to the insured individual including a vehicle rental branch and date of pick up; automatically receiving, by a processor of a computing device, change data from the insured individual via the user input device, where the change data is representative of desired change information associated with the current insurance related information, and wherein the desired change information pertains to the vehicle rental; automatically receiving, by a processor of a computing device, update rules data from an update rules data database stored on a memory of the computing device, wherein the update rules data is representative of rules related to updates to the current insurance related information that are permitted by the insured individual in accordance with the insurance policy, and wherein at least one rule is indicative of whether the vehicle rental is available in accordance with the insurance policy; automatically determining, by a processor of a computing device, whether at least one change to the current insurance related information is acceptable based on the change data and the update rules data, wherein the at least one change is related to the vehicle rental; if the at least one change is determined to be acceptable, the current insurance related information is changed based on the change data; and if the at least one change is determined to not be acceptable, the current insurance related information remains unchanged. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer system for an insured individual to automatically determine whether property rental coverage is available via an insurance policy of the insured individual, the computer system comprising:
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at least one processor and at least one memory communicatively coupled to the at least one memory; a current data receiving module stored on a memory that, when executed by a processor of a computing device, causes the processor to automatically receive current data in response to an action by the insured individual via a user input device, wherein the current data is representative of current insurance related information related to an existing valid insurance claim and an assigned property rental performer; a current display generating module stored on a memory that, when executed by a processor of a computing device, causes the processor to automatically generate a current display based on the current data, wherein the display presents current insurance related information to the insured individual, wherein the current insurance related information is representative of the availability property rental; a change data receiving module stored on a memory that, when executed by a processor of a computing device, causes the processor to receive change data from the insured individual, where the change data is representative of desired change information associated with the current insurance related information, and wherein the desired change information pertains to the property rental; an update rules data receiving module stored on a memory that, when executed by a processor of a computing device, causes the processor to automatically receive update rules data, wherein the update rules data is representative of rules related to updates to the current insurance related information, that are permitted by the insured individual in accordance with the insurance policy, and wherein at least one rule is indicative of whether property rental is available in accordance with the insurance policy; an acceptable change determining module stored on a memory that, when executed by a processor of a computing device, causes the processor to automatically determine whether at least one change to the current insurance related information is acceptable based on the change data and the update rules data, wherein the at least one change is related to the property rental; if the at least one change is determined to be acceptable, the current insurance related information is changed based on the change data; and if the at least one change is determined to not be acceptable, the current insurance related information remains unchanged. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A non-transitory computer-readable memory storing instructions for an insured individual to automatically determine whether vehicle rental coverage is available via an insurance policy of the insured individual, the instructions comprising:
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a current data receiving module that, when executed by a processor of a client device, causes the processor of the client device to automatically receive current data from a remote computing device in response to an action by the insured individual via a user input device, wherein the current data is representative of current insurance related information related to an existing valid insurance claim and an assigned vehicle rental performer; a current display generating module that, when executed by a processor of a client device, causes the processor of the client device to automatically generate a current display based on the current data, wherein the display presents current insurance related information to the insured individual; a change data receiving module that, when executed by a processor of a remote computing device, causes the processor of the remote computing device to automatically receive change data from the insured individual via a client device, where the change data is representative of desired change information associated with the current insurance related information, and wherein the desired change information pertains to a vehicle rental; an update rules data receiving module that, when executed by a processor of a remote computing device, causes the processor of the remote computing device to automatically receive update rules data, wherein the update rules data is representative of rules related to updates to the current insurance related information, that are permitted by the insured individual in accordance with the insurance policy, and wherein at least one rule is indicative of whether vehicle rental is available in accordance with the insurance policy; and an acceptable change determining module that, when executed by a processor of a remote computing device, causes the processor of the remote computing device to automatically determine whether at least one change to the current insurance related information is acceptable based on the change data and the update rules data, wherein the at least one change is related to the vehicle rental; if the at least one change is determined to be acceptable, the current insurance related information is changed based on the change data; and if the at least one change is determined to not be acceptable, the current insurance related information remains unchanged. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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Specification