Customizable insurance system
First Claim
Patent Images
1. A system that automatically generates personalized graphical user interfaces at client computing devices comprising:
- a user interface automatically generated by a client device responsive to applicant data received from a user at the client device;
the user interface configured to the client device'"'"'s display and customized to display a range of insurance coverages that match and adapt to applicant'"'"'s insurance line coverage preferences and a range of insurance prices that match and adapt to the applicant'"'"'s insurance price preferences before an insurance quote is rendered responsive to a user'"'"'s scroll at the interface without sliding displayed text across the client device'"'"'s display;
the range of insurance coverages and insurance prices are in compliance with the applicant'"'"'s state insurance regulations;
means remote from the user interface that selectively processes the applicant data entered by the user to a record keeping database system stored in a memory, the record keeping system comprising a plurality of records and data showing how the records are organized in the memory and where the records are stored in the memory, each of the records comprising a plurality of data fields that are configured for searching, sorting, and recombining the applicant data with other data; and
a quote processor programmed to render an insurance policy quote generated in response to the applicant data received through the user interface from the user, the insurance policy quote comprising a plurality of customizable insurance line coverages and corresponding line premiums for the plurality of customizable line coverages that are allowed under the applicant'"'"'s applicable governmental laws and are tailored to the applicant'"'"'s characteristics, applicant'"'"'s preferences, and applicant'"'"'s desired insurance policy premium.
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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.
50 Citations
22 Claims
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1. A system that automatically generates personalized graphical user interfaces at client computing devices comprising:
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a user interface automatically generated by a client device responsive to applicant data received from a user at the client device; the user interface configured to the client device'"'"'s display and customized to display a range of insurance coverages that match and adapt to applicant'"'"'s insurance line coverage preferences and a range of insurance prices that match and adapt to the applicant'"'"'s insurance price preferences before an insurance quote is rendered responsive to a user'"'"'s scroll at the interface without sliding displayed text across the client device'"'"'s display; the range of insurance coverages and insurance prices are in compliance with the applicant'"'"'s state insurance regulations; means remote from the user interface that selectively processes the applicant data entered by the user to a record keeping database system stored in a memory, the record keeping system comprising a plurality of records and data showing how the records are organized in the memory and where the records are stored in the memory, each of the records comprising a plurality of data fields that are configured for searching, sorting, and recombining the applicant data with other data; and a quote processor programmed to render an insurance policy quote generated in response to the applicant data received through the user interface from the user, the insurance policy quote comprising a plurality of customizable insurance line coverages and corresponding line premiums for the plurality of customizable line coverages that are allowed under the applicant'"'"'s applicable governmental laws and are tailored to the applicant'"'"'s characteristics, applicant'"'"'s preferences, and applicant'"'"'s desired insurance policy premium. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A system that automatically generates personalized graphical user interfaces at client computing devices, comprising:
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a user interface automatically generated at a client device in response to applicant data and comprising onscreen elements automatically adjusted and automatically arranged in response to applicant data received from a user at the client device, the user interface customized to display a range of insurance coverages that match and adapt to applicant'"'"'s insurance line coverage preferences and a range of insurance prices that match and adapt to the applicant'"'"'s insurance price preferences responsive to a user'"'"'s scroll at the user interface without sliding previously displayed text across a display rendered by the client device;
the range of insurance coverages and insurance prices are in compliance with the applicant'"'"'s state insurance regulations;a front-end processor that selectively processes the applicant data entered by the user to a record keeping database system stored in a memory, the record keeping database system storing a plurality of records and data showing how the records are organized in the memory and where the records are stored in memory each of the records comprise a plurality of data fields that are configured for searching, sorting, and recombining the applicant data with other data; and a quote processor programmed to render an insurance policy quote generated in response to the applicant data received through the user interface from the user and transmitted to the client device, the insurance policy quote comprising a plurality of customized insurance line coverages and corresponding line premiums for the plurality of customized line coverages that are allowed under the applicant'"'"'s applicable governmental laws and are tailored to the applicant'"'"'s characteristics, applicant'"'"'s preferences, and applicant'"'"'s desired insurance policy premium. - View Dependent Claims (18, 19, 20, 21)
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22. A system that automatically generates personalized graphical user interlaces at client computing devices, comprising:
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a user interface generated at a client device at a user'"'"'s request responsive to applicant data received from a user at the client device; the user interface customized to display a range of insurance coverages that match and adapt to applicant'"'"'s insurance line coverage preferences and a range of insurance prices that match and adapt to the applicant'"'"'s insurance price preferences responsive to a user'"'"'s scroll at the user interface without sliding previously displayed text across the client device'"'"'s display; the range of insurance coverages and insurance prices are in compliance with the applicant'"'"'s state insurance regulations; a front-end processor that selectively processes the applicant data entered by the user to a record keeping database system stored in a memory, the record keeping database system storing a plurality of records and data showing how the records are organized in the memory and where the records are stored in memory each of the records comprise a plurality of data fields that are configured for searching, sorting, and recombining the applicant data with other data; and a quote processor programmed to render an insurance policy quote generated in response to the applicant data received through the user interface from the user and transmitted to the client device, the insurance policy quote comprising a plurality of customized insurance line coverages and corresponding line premiums for the plurality of customized line coverages that are allowed under the applicant'"'"'s applicable governmental laws and are tailored to the applicant'"'"'s characteristics, applicant'"'"'s preferences, and applicant'"'"'s desired insurance policy premium.
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Specification