Systems and methods for supporting extended pay date options...

Details Systems and methods for supporting extended pay date options... Systems and methods for supporting extended pay date options...

2006-08-30

2010-10-05

Borlinghaus, Jason M (Department: 3693)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Insurance

Reexamination Certificate

active

07809589

ABSTRACT:
A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly withdrawals, such as may be entered via a user interface on an insurance company webpage. The customer specified day(s) may be analyzed against data associated with the insurance policies to determine whether the day is disallowed. The day may be disallowed, for example, because it would result in falling behind an earned premium curve and thereby require a double bill or short bill to stay ahead of the earned premium curve.

REFERENCES:
patent: 2003/0101131 (2003-05-01), Warren et al.
Vaughan, Emmett J. & Vaughan, Therese. Fundamentals of Risk & Insurance: Ninth Edition. John Wiley & Sons. 2003. pp. 222-224.
American Family Insurance, “Billing FAQs—Automated Funds Transfer,” http://www.amfam.com/billing/faq—aft.asp, downloaded Jun. 28, 2006, 3 pages.
Geico, “EBilling,” https://mypolicy.geico.com/phsapp/fileviewer.do?file=documents.faq#whatiseb, downloaded Jul. 27, 2006, 1 page.
Geico, “Policyholder Service Center,” https://mypolicy.geico.com/phsapp/rpppinfo.do, downloaded Jul. 27, 2006, 2 pages.
Metropolitan Life Insurance Company, MetLife, “eService FAQs: Billing,” http://www.metlife.com/Applications/Corporate/WPS/CDA/PageGenerator/0,4132,P4185,00.html, downloaded Jul. 28, 2006, 3 pages.
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