DEVICE, SYSTEM, AND METHOD OF COLLABORATIVE INSURANCE
First Claim
Patent Images
1. A system for electronic insurance transactions, the system comprising:
- a server to receive a risk description posted through a customer terminal,to publish the risk description to one or more insurer terminals, andto determine whether or not to underwrite an insurance covering at least a portion of a risk included in the risk description based on an analysis of aggregated data,wherein the aggregated data comprises data related to said risk description and data related to one or more other posted risk descriptions.
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Abstract
Device, system and method of collaborative insurance. For example, a system for electronic insurance transactions includes: a server to receive a risk description posted through a customer terminal, to publish the risk description to one or more insurer terminals, and to determine whether or not to underwrite an insurance covering at least a portion of a risk included in the risk description based on an analysis of aggregated data, wherein the aggregated data comprises data related to said risk description and data related to one or more other posted risk descriptions.
44 Citations
20 Claims
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1. A system for electronic insurance transactions, the system comprising:
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a server to receive a risk description posted through a customer terminal, to publish the risk description to one or more insurer terminals, and to determine whether or not to underwrite an insurance covering at least a portion of a risk included in the risk description based on an analysis of aggregated data, wherein the aggregated data comprises data related to said risk description and data related to one or more other posted risk descriptions. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for electronic insurance transactions, the method comprising:
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receiving a risk description posted through a customer terminal; publishing the risk description to one or more insurer terminals; and determining whether or not to underwrite an insurance covering at least a portion of a risk included in the risk description based on an analysis of aggregated data, wherein the aggregated data comprises data related to said risk description and data related to one or more other posted risk descriptions. - View Dependent Claims (15, 16, 17)
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18. A computer program product comprising a computer useable medium including a computer readable program, wherein the computer readable program when executed on a computer causes the computer to perform a method comprising:
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receiving a risk description posted through a customer terminal; publishing the risk description to one or more insurer terminals; and determining whether or not to underwrite an insurance covering at least a portion of a risk included in the risk description based on an analysis of aggregated data, wherein the aggregated data comprises data related to said risk description and data related to one or more other posted risk descriptions. - View Dependent Claims (19)
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20. A server computer comprising:
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a risk-posting module to receive risk descriptions from customer terminals; a database to store posted risk descriptions; a retrieval interface to selectively present on the insurer terminal a risk-of-interest based on a risk profile; a question-posting module to receive from an insurer terminal a question related to the risk-of-interest; and an answer-posting module to receive from one or more customer terminals one or more answers to the question.
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Specification