Systems and methods for administering comprehensive protection plans

• US 9,824,396 B2
• Filed: 09/07/2012
• Issued: 11/21/2017
• Est. Priority Date: 10/19/2009
• 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: Stepeck, Carin Lynn, Winter, Henry J., Harasimowitz, Stanley Michael
• Primary Examiner(s): Hamilton, Sara C
• Application Number:
  US13/606,315
• Publication Number:
  US 20120330691A1
• Time in Patent Office: 1,901 Days
• Field of Search: 705 4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Systems, methods means and computer program code for administering comprehensive protection plans are provided which include a computer system to process an insurance claim, the system having a first policy database storing policy data associated with a first type of insurance, a second policy database storing policy data associated with a second type of insurance, a requestor device and a claims processing system for receiving an insurance claim associated with a customer, determining that the claim involves a single loss event and more than one type of property damage, retrieving from the first policy database, information associated with a first policy of the customer and at least a second policy of the customer, the information including a first deductible associated with the first policy and a second deductible associated with the second policy, determining which of the first and second deductible to apply to the claim, and updating the first and second policy databases based on the determined deductible.

Claims

1. A computer system comprising:

a first asset type computer system storing first asset type data records corresponding to a first asset type;

a second asset type computer system storing second asset type data records corresponding to a second asset type, and the second asset type computer system being separate from the first asset type computer system;

a parameter coordination computer system interposed between the first asset type computer system, the second asset type computer system, and an event processing computer system, to communicatively couple each of the first asset type computer system, the second asset type computer system, and the event processing computer system, to the parameter coordination computer system, wherein the parameter coordination computer system is configured to;

responsive to a plurality of asset coverage requests received from a plurality of corresponding requestor terminals, render a display, for each of the plurality of asset coverage requests for a corresponding one of the plurality of requestor terminals, the display including;

a first screen area which displays first package data;

a second screen area which displays second package data; and

a third screen area which displays a dynamically generated script which explains differences between the first package data and the second package data, wherein at least one of the first package data and the second package data includes a parameter coordination feature;

wherein the display automatically renders the plurality of screen areas to be equal in horizontal dimension, and arranges the plurality of screen areas of equal horizontal dimension horizontally adjacent to one another in a non-overlapping and simultaneously visible configuration across at least a portion of the available display area; and

receive, from one or more of the plurality of corresponding requestor terminals, one or more first and second package data selections corresponding to package selections made on corresponding ones of the plurality of requestor terminals, the first and second package data selections including at least one package selection corresponding to a package including the parameter coordination feature; and

store, in a data storage device, one or more package data records, each package data record corresponding to one of the one or more first and second package data selections, and each package data record including a program ID data value indicative of whether the corresponding package includes the parameter coordination feature;

wherein the event processing computer system is configured to;

receive event data and event coverage data corresponding to an event;

retrieve, from the data storage device, the package data record corresponding to the event coverage data, the retrieved package data record including the program ID data field having the data value indicative of whether the corresponding package includes the parameter coordination feature;

determine, based on the value of the program ID data field of the retrieved package data record, whether the parameter coordination feature applies to the event, wherein the parameter coordination feature provides for coordination of a first parameter stored in the first asset computer system and a second parameter stored in the second asset computer system;

determine, based on the event data, whether the event involves one or both of the first asset type and the second asset type;

responsive to a determination that the event involves both the first asset type and the second asset type, extract from the first asset type computer system, the first parameter, and extract, from the second asset type computer system, the second parameter;

apply parameter coordination rules to determine which one of the first parameter and the second parameter apply to the event;

dynamically update, based on the determined one of the first parameter and the second parameter, one of the first asset type computer system and the second asset type computer system to indicate application of the determined one of the first parameter and the second parameter; and

set, based on the determined one of the first parameter and the second parameter, a parameter coordination flag in the other of the first asset type computer system and the second asset type computer system, to track application of the determined one of the first parameter and the second parameter in the other of the first asset type computer system and the second asset type computer system.

2. The computer system of claim 1, wherein the event processing computer being configured to determine which one of the first parameter and the second parameter is applicable to the event further comprises the event processing computer being configured to:

identify which one of the first parameter and the second parameter has a higher value;

determine that the identified one of the first parameter and the second parameter is applicable to the event.

3. The computer system of claim 1, wherein the event processing computer being configured to determine which one of the first parameter and the second parameter is applicable to the event further comprises the event processing computer being configured to:

identify which one of the first parameter and the second parameter has a higher value;

responsive to a determination that the first parameter and the second parameter have the same value;

identify which one of the first parameter and the second parameter is associated with a higher reduction benefit;

determine that the identified one of the first parameter and the second parameter has the higher reduction benefit is applicable to the event.

4. The computer system of claim 3, wherein the event processing computer being configured to determine which one of the first parameter and the second parameter is applicable to the event further comprises the event processing computer being configured to:

responsive to a determination that the first parameter and the second parameter are associated with one of (i) the same reduction benefit and (ii) no reduction benefit, identify the one of the first parameter and the second parameter that corresponds to a higher asset value of an asset loss caused by the event;

determine that the identified one of the first parameter and the second parameter is applicable to the event.

5. A computer-implemented method comprising:

interposing a parameter coordination computer system between an event processing computer system, a first asset type computer system, and a second asset type computer system and communicatively coupling each of the event processing computer system, the first asset type computer system, and the second asset type computer system to the parameter coordination computer system;

responsive to receipt of asset coverage requests received from a plurality of corresponding requestor terminals, rendering, by the parameter coordination computer system for each of the plurality of asset coverage requests for a corresponding one of the plurality of requestor terminals, a display including;

a first screen area which displays first package data;

a second screen area which displays second package data; and

a third screen area which displays a dynamically generated script which explains differences between the first package data and the second package data, wherein at least one of the first package data and the second package data includes a parameter coordination feature;

wherein the display automatically renders the plurality of screen areas to be equal in horizontal dimension, and arranges the plurality of screen areas of equal horizontal dimension horizontally adjacent to one another in a non-overlapping and simultaneously visible configuration across at least a portion of the available display area; and

receive, by the parameter coordination computer system from one or more of the plurality of corresponding requestor terminals, one or more first and second package data selections corresponding to package selections made on corresponding ones of the plurality of requestor terminals, the first and second package data selections including at least one package selection corresponding to a package including the parameter coordination feature; and

storing, by the parameter coordination computer system in a data storage device, one or more package data records, each package data record corresponding to one of the one or more first and second asset package data selections, and each package data record including a program ID data value indicative of whether the corresponding package includes the parameter coordination feature;

receiving, by the event processing computer system, event data and event coverage data corresponding to an event;

retrieving, by the event processing computer system from the data storage device, the package data record corresponding to the event coverage data, the retrieved package data record including the program ID data field having the data value indicative of whether the corresponding package includes the parameter coordination feature;

determining, by the event processing computer system based on the value of the program ID data field of the retrieved package data record, whether the parameter coordination feature applies to the event, wherein the parameter coordination feature provides for coordination of a first parameter stored in the first asset computer system and a second parameter stored in the second asset computer system;

determining, by the event processing computer system based on the event data, whether the event involves one or both of the first asset type and the second asset type;

responsive to a determination that the event involves both the first asset type and the second asset type, extracting from the first asset type computer system, the first parameter, and extract, from the second asset type computer system, the second parameter;

applying, by the event processing computer system, parameter coordination rules to determine which one of the first parameter and the second parameter apply to the event;

dynamically updating, by the event processing computer system based on the determined one of the first parameter and the second parameter, one of the first asset type computer system and the second asset type computer system to indicate application of the determined one of the first parameter and the second parameter; and

setting, by the event processing computer system based on the determined one of the first parameter and the second parameter, a parameter coordination flag in the other of the first asset type computer system and the second asset type computer system, to track application of the determined one of the first parameter and the second parameter in the other of the first asset type computer system and the second asset type computer system.

6. The computerized method of claim 5, wherein the determining which one of the first parameter and the second parameter is applicable to the event further comprises:

identifying, by the event processing computer system, which one of the first parameter and the second parameter has a higher value; and

determining, by the event processing computer system, that the identified one of the first parameter and the second parameter is applicable to the event.

7. The method of claim 5, wherein the determining which one of the first parameter and the second parameter is applicable to the event further comprises:

identifying, by the event processing computer system, which one of the first parameter and the second parameter has a higher value;

responsive to a determination that the first parameter and the second parameter have the same value;

identifying, by the event processing computer system, which one of the first parameter and the second parameter is associated with a higher reduction benefit; and

determining, by the event processing computer system, that the identified one of the first parameter and the second parameter has the higher reduction benefit is applicable to the event.

8. The method of claim 5, wherein determining which one of the first parameter and the second parameter is applicable to the event further comprises:

responsive to a determination that the first parameter and the second parameter are associated with one of (i) the same reduction benefit and (ii) no reduction benefit, identifying, by the event processing computer system, the one of the first parameter and the second parameter that corresponds to a higher asset value of an asset loss caused by the event; and

determining, by the event processing computer system, that the identified one of the first parameter and the second parameter is applicable to the event.