SYSTEMS AND METHODS FOR IMPROVING ACCURACY OF INSURANCE QUOTES
First Claim
1. A method for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product, the method performed by one or more processors comprising:
- determining personal identifying data of the consumer;
matching the determined personal identifying data with one of a plurality of personal identifiers listed in an index file stored on a memory;
identifying a plurality of insurance claims associated with the matched personal identifier;
determining which of the identified insurance claims are chargeable based on a claim criteria provided by the insurance business; and
returning a claim score to the insurance business indicative of a number of claims determined to be chargeable.
1 Assignment
0 Petitions
Accused Products
Abstract
A method for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product is provided. The method determines personal identifying data of the consumer, matches the determined identifying data with one of the personal identifiers listed in an index file. The method identifies a plurality of insurance claims associated with the matched personal identifier, determines which of the identified insurance claims are chargeable based on a claim criteria provided by the insurance business, and returns a claim score to the insurance business indicative of a number of claims determined to be chargeable. The method further identifies a plurality of personal injury insurance claims associated with the matched personal identifier, determines which of the identified personal injury insurance claims are pertinent based on claim criteria provided by the insurance business, and returns an alert to the insurance business identifying pertinent personal injury claims.
6 Citations
29 Claims
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1. A method for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product, the method performed by one or more processors comprising:
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determining personal identifying data of the consumer; matching the determined personal identifying data with one of a plurality of personal identifiers listed in an index file stored on a memory; identifying a plurality of insurance claims associated with the matched personal identifier; determining which of the identified insurance claims are chargeable based on a claim criteria provided by the insurance business; and returning a claim score to the insurance business indicative of a number of claims determined to be chargeable. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product, the method performed by one or more processors comprising;
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determining personal identifying data of the consumer; matching the determined personal identifying data with one of a plurality of personal identifiers listed in an index file stored on a memory; identifying a plurality of personal injury insurance claims associated with the matched personal identifier; determining which of the identified personal injury insurance claims are pertinent based on claim criteria provided by the insurance business; and returning an alert to the insurance business identifying pertinent personal injury claims. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
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15. A computer-based system for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product, the system comprising:
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a computer having at least one processor; a computer memory accessible by the at least one processor for executing code instructions stored in the computer memory, the code instructions comprising; a first code segment enabling the at least one processor to determine personal identifying data of the consumer; a second code segment enabling the at least one processor to match the determined personal identifying data with one of a plurality of personal identifiers listed in an index file stored on a memory; a third code segment enabling the at least one processor to identify a plurality of insurance claims associated with the matched personal identifier; a fourth code segment enabling the at least one processor to determine which of the identified insurance claims are chargeable based on a claim criteria provided by the insurance business; and a fifth code segment enabling the at least one processor to return a claim score to the insurance business indicative of a number of claims determined to be chargeable. - View Dependent Claims (16, 17, 18, 19, 20)
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21. A non-transitory computer-readable medium encoded with instructions for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product, the encoded instructions comprising:
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a first code segment enabling a computer to determine personal identifying data of the consumer; a second code segment enabling the computer to match the determined personal identifying data with one of a plurality of personal identifiers listed in an index file stored on a memory; a third code segment enabling the computer to identify a plurality of personal injury insurance claims associated with the matched personal identifier; a fourth code segment enabling the computer to determine which of the identified personal injury insurance claims are pertinent based on claim criteria provided by the insurance business; and a fifth code segment enabling the computer to return an alert to the insurance business identifying pertinent personal injury claims. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28)
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29. A method for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product, the method performed by one or more processors comprising;
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determining personal identifying data of the consumer; matching the determined personal identifying data with one of a plurality of personal identifiers listed in an index file stored on a memory; identifying a plurality of insurance claims associated with the matched personal identifier; determining which of the identified insurance claims are chargeable based on a claim criteria provided by the insurance business; returning a first alert to the insurance business indicative of a number of claims determined to be chargeable; identifying a plurality of personal injury insurance claims associated with the matched personal identifier; determining which of the identified personal injury insurance claims are pertinent based on claim criteria provided by the insurance business; and returning a second alert to the insurance business identifying pertinent personal injury claims.
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Specification