System and method for processing of data related to requests for quotes for property and casualty insurance
First Claim
1. A computer system for processing data related to requests for quotes for property and casualty insurance products, comprising:
- an insurance computer system comprising;
a data storage device storing data relating to a plurality of insurance processes; and
an insurance computer system processor in communication with the data storage device, the insurance computer system processor configured to;
provide via a network data indicative of a plurality of interface elements for display, a first of the plurality of the interface elements comprising prompts for data comprising at least name and address data for an applicant for one or more of the property and casualty insurance products, each of the interface elements corresponding to one of the plurality of insurance processes;
receive via the network, data indicative of user-furnished data relating to the applicant in response to the prompts;
responsive to the user-furnished data, provide data indicative of permission to commence a rating process and a create quote process with respect to the applicant, the create quote process being executed upon completion of the rating process;
receive, as a result of the create quote process, data indicative of a quote for the property and casualty insurance product for the applicant; and
provide via the network data indicative of a second of the interface elements for display, the second of the plurality of interface elements comprising data indicative of the quote for the property and casualty insurance product for the applicant.
0 Assignments
0 Petitions
Accused Products
Abstract
This invention relates generally to a computer system and method for integrating insurance policy underwriting. In one aspect it integrates the older legacy insurance policy generating systems to on line systems where users access the system through browsers. The computer system to perform the process of underwriting, rating, quoting, binding, and booking an insurance policy includes browsers, data bases, processors and a dispatcher that parses the information to select an insurance process. Suitable software programs review messages received from users to determine if certain messages are less than a prescribed limit. If a message is greater than the limit, then the message is parsed into a header information and one or more data fields whereby the header information is provided to a legacy processor and to policy generation software for further creation of policy related information and documentation.
189 Citations
20 Claims
-
1. A computer system for processing data related to requests for quotes for property and casualty insurance products, comprising:
an insurance computer system comprising; a data storage device storing data relating to a plurality of insurance processes; and an insurance computer system processor in communication with the data storage device, the insurance computer system processor configured to; provide via a network data indicative of a plurality of interface elements for display, a first of the plurality of the interface elements comprising prompts for data comprising at least name and address data for an applicant for one or more of the property and casualty insurance products, each of the interface elements corresponding to one of the plurality of insurance processes; receive via the network, data indicative of user-furnished data relating to the applicant in response to the prompts; responsive to the user-furnished data, provide data indicative of permission to commence a rating process and a create quote process with respect to the applicant, the create quote process being executed upon completion of the rating process; receive, as a result of the create quote process, data indicative of a quote for the property and casualty insurance product for the applicant; and provide via the network data indicative of a second of the interface elements for display, the second of the plurality of interface elements comprising data indicative of the quote for the property and casualty insurance product for the applicant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
-
10. A computer-implemented method for processing data related to requests for quotes for property and casualty insurance products, comprising:
-
accessing by an insurance computer system processor data stored in a data storage device, the stored data comprising data relating to a plurality of insurance processes, the insurance processes comprising at least a rating process and a create quote process; providing by the insurance computer system processor via a network data indicative of interface elements for display, each of the interface elements corresponding to one of the insurance processes, a first of the plurality of the interface elements comprising prompts for data comprising at least name and address data for an applicant for one or more of the property and casualty insurance products; receiving by the insurance computer system processor via the network user-furnished data responsive to the prompts; responsive to the user-furnished data, providing, by the insurance computer system processor, data indicative of permission to commence a rating process and a create quote process with respect to the applicant, the create quote process being executed upon completion of the rating process; receiving, by the insurance computer system processor, as a result of the create quote process, data indicative of a quote for the property and casualty insurance product for the applicant; and providing, by the insurance computer system processor, via the network, data indicative of a second of the interface elements for display, the second of the plurality of interface elements comprising data indicative of the quote for the property and casualty insurance product for the applicant. - View Dependent Claims (11, 12, 13, 14, 15, 16)
-
-
17. A non-transitory computer-readable medium, having computer-readable instructions stored thereon, which instructions, when executed by a processor, cause the processor to:
-
access data stored in a data storage device, the stored data comprising data relating to a plurality of insurance processes, the insurance processes comprising at least a rating process and a create quote process; provide via a network data indicative of a plurality of interface elements for display, a first of the plurality of the interface elements comprising prompts for data comprising at least name and address data for an applicant for one or more of the property and casualty insurance products, each of the interface elements corresponding to one of the plurality of insurance processes; receive via the network, data indicative of user-furnished data relating to the applicant in response to the prompts; responsive to the user-furnished data, provide data indicative of permission to commence a rating process and a create quote process with respect to the applicant, the create quote process being executed upon completion of the rating process; receive, as a result of the create quote process, data indicative of a quote for the property and casualty insurance product for the applicant; and provide via the network data indicative of a second of the interface elements for display, the second of the plurality of interface elements comprising data indicative of the quote for the property and casualty insurance product for the applicant. - View Dependent Claims (18, 19, 20)
-
Specification