Customizable insurance system
First Claim
Patent Images
1. A system comprising a processor and a memory accessible to the processor and an interface comprising:
- a logic stored in the memory and executable by the processor for rendering a specific user interface within a display area comprising a plurality of active areas for moving between different insurance coverages and price points of a plurality of customizable insurance quotes, the active areas comprising a proximal end and a distal end for moving incrementally between the customizable line coverage types and price points, a sliding scroll box for moving to an arbitrary customizable line coverage type and price point, and a plurality of intermediate areas between the sliding scroll box and the proximal end and the distal end for moving incrementally between the customizable line coverages and price points; and
a database that stores customized data indicating the selections made by the user and parameters made by the system that are in compliance with the user'"'"'s designated state laws, where the customized data identifies selected insurance coverage, and corresponding maximum coverage limits.
1 Assignment
0 Petitions
Accused Products
Abstract
An automated insurance quote system allows users to apply for one or more insurance quotes through a self-service communication channel. The system includes an interface that may receive applicant data from a remote location. A front-end processor selectively passes applicant data to a record keeping system retained in a memory. A controller or quote processors selects and transmits one or more insurance policies that are allowed under a user'"'"'s governmental law and are tailored to the user'"'"'s price and/or coverage preferences. The system conveys coverage details to users through the interface.
59 Citations
25 Claims
-
1. A system comprising a processor and a memory accessible to the processor and an interface comprising:
-
a logic stored in the memory and executable by the processor for rendering a specific user interface within a display area comprising a plurality of active areas for moving between different insurance coverages and price points of a plurality of customizable insurance quotes, the active areas comprising a proximal end and a distal end for moving incrementally between the customizable line coverage types and price points, a sliding scroll box for moving to an arbitrary customizable line coverage type and price point, and a plurality of intermediate areas between the sliding scroll box and the proximal end and the distal end for moving incrementally between the customizable line coverages and price points; and a database that stores customized data indicating the selections made by the user and parameters made by the system that are in compliance with the user'"'"'s designated state laws, where the customized data identifies selected insurance coverage, and corresponding maximum coverage limits. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. In a network based system that provides functionality for users to enter into an insurance transaction, a computer implemented method for users to customize insurance coverages that are in compliance with their local and applicable laws, comprising:
-
receiving a user'"'"'s quote information through a publicly accessible distributed network in communication with a first user interface that comprises programs and option selections through menus and dialog boxes; receiving a user'"'"'s selection of a recommend insurance in compliance with the user'"'"'s designated applicable laws based on the user'"'"'s quote information, where the user'"'"'s selection reflect a plurality of customizable insurance line coverage types that are rendered through an insurance site and the publicly accessible distributed network; generating a display comprising a plurality of active areas for moving between different insurance coverage types and price points of a plurality of customizable insurance quotes, the active areas comprising a proximal position and a distal position for the user to move incrementally between the customizable line coverage types and price points, a sliding scroll box for the user to move between arbitrary customizable line coverage types and price points, and a plurality of intermediate areas between the sliding scroll box and the proximal position and the distal position for the user to move incrementally between the customizable line coverage types and price points; and accessing a database through a slave processor that stores customized data reflecting the selections made by the user that are in compliance with the user'"'"'s designated applicable laws, where the customized data identifies the insurance coverage type, maximum coverage limits, and a cost. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22)
-
-
23. A customizable insurance system, comprising:
-
a processor; a memory accessible to the processor; logic stored in the memory and executable by the processor for rendering a user interface within a display area, where the user interface comprises an active area that allows a user to move between different insurance coverages and price points of an insurance quote, where the active area comprises a proximal end associated with a first price point and a first package of insurance coverage line items, a distal end associated with a second price point and a second package of insurance coverage line items, one or more intermediate areas between the proximal end and the distal end that are associated with one or more intermediate price points and one or more intermediate packages of insurance coverage line items, and a sliding scroll box movable between the first price point, the second price point, and the one or more intermediate price points in response to a user movement of the sliding scroll box within the user interface for selection of an insurance package; and a database that stores customized insurance data indicating a price point and insurance package selection made by the user based on a position of the sliding scroll box. - View Dependent Claims (24, 25)
-
Specification