METHODS AND SYSTEMS FOR PROVIDING CUSTOMIZED RISK MITIGATION/RECOVERY TO AN INSURANCE CUSTOMER
First Claim
1. A loss mitigation computer system, comprising:
- a computer processing device; and
computer software that when executed by the computer processing device results in;
providing a customer interface;
receiving, by the customer interface and from an insurance customer computer system and via a communications network, customer data;
processing the customer data;
identifying, responsive to the customer data, at least one peril comprising at least one of theft and damage;
generating at least one risk mitigation option based on the at least one peril;
transmitting the at least one risk mitigation option to the insurance customer computer system;
receiving, from the insurance customer computer system, at least one customer selected risk mitigation option responsive to the generated at least one risk mitigation option; and
generating at least one of a calculated insurance premium, a current risk assessment, a future risk assessment, recommendations, and a gap analysis, based on the received at least one customer selected risk mitigation option.
1 Assignment
0 Petitions
Accused Products
Abstract
A loss mitigation computer system includes a customer interface electronically receiving customer information data from a customer computer system via a communications network, a risk assessment computer processing module processing the customer information data and identifying at least one peril associated with the customer information data, a risk mitigation computer processing module generating at least one risk mitigation option based on the at least one peril and receiving customer selected risk mitigation options responsive to the generated at least one risk mitigation option from the customer computer system; and a customization computer processing module generating at least one of a calculated insurance premium, a current risk assessment, a future risk assessment, recommendations, and a gap analysis based on the received at least one customer selected risk mitigation option. Various alternative embodiments are also disclosed, including a computer implemented loss mitigation method and/or loss recovery system.
23 Citations
19 Claims
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1. A loss mitigation computer system, comprising:
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a computer processing device; and computer software that when executed by the computer processing device results in; providing a customer interface; receiving, by the customer interface and from an insurance customer computer system and via a communications network, customer data; processing the customer data; identifying, responsive to the customer data, at least one peril comprising at least one of theft and damage; generating at least one risk mitigation option based on the at least one peril; transmitting the at least one risk mitigation option to the insurance customer computer system; receiving, from the insurance customer computer system, at least one customer selected risk mitigation option responsive to the generated at least one risk mitigation option; and generating at least one of a calculated insurance premium, a current risk assessment, a future risk assessment, recommendations, and a gap analysis, based on the received at least one customer selected risk mitigation option. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method, comprising:
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providing, by a computer processing device, a customer interface; receiving, by the customer interface and from an insurance customer computer system and via a communications network, customer data; processing, by the computer processing device, the customer data; identifying, by the computer processing device and responsive to the customer data, at least one peril comprising at least one of theft and damage; generating, by the computer processing device, at least one risk mitigation option based on the at least one peril; transmitting, by the computer processing device and to the insurance customer computer system, the at least one risk mitigation option; receiving, by the computer processing device and from the insurance customer computer system, at least one customer selected risk mitigation option responsive to the generated at least one risk mitigation option; and generating, by the computer processing device, at least one of a calculated insurance premium, a current risk assessment, a future risk assessment, recommendations, and a gap analysis, based on the received at least one customer selected risk mitigation option. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A loss mitigation computer system comprising at least one computer processor, further comprising:
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a computer-implemented customer interface, that when executed by the at least one computer processor, electronically receives customer specific information from an insurance customer computer system via a communications network; a risk assessment computer processing module, that when executed by the at least one computer processor, processes the customer specific information and identifies at least one peril comprising at least one of theft and damage responsive to the customer specific information data; a risk mitigation computer processing module, that when executed by the at least one computer processor, generates at least one risk mitigation option based on the at least one peril, and transmits the at least one risk mitigation option to the insurance customer computer system, and receives at least one customer selected risk mitigation option responsive to the generated at least one risk mitigation option from the insurance customer computer system; a customization computer processing module, that when executed by the at least one computer processor, generates at least one of a calculated insurance premium, a current risk assessment, a future risk assessment, recommendations, and a gap analysis based on the received at least one customer selected risk mitigation option; and a loss recovery computer processing module, that when executed by the at least one computer processor, receives, from the insurance customer computer system, an indication of a description of a loss and a location associated with the loss, and initiates at least one loss recovery mechanism in response to the indication of the description of the loss and the location associated with the loss. - View Dependent Claims (16, 17, 18, 19)
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Specification