Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Insurance
Reexamination Certificate
2002-05-17
2009-02-10
Gilligan, C Luke (Department: 3626)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Insurance
C705S035000, C283S054000, C902S005000
Reexamination Certificate
active
07490050
ABSTRACT:
A method and system for furnishing an on-line quote for an insurance product, such as auto insurance, makes use of computer hardware and software to provide a user with an on-line, real-time quote. The system allows the user to enter user information and recommends coverages, liabilities, and deductibles to help the user determine the best insurance coverage for the user's needs. Upon entering the user data and coverage information on a presentation server, deployable content profile information is retrieved by the presentation server, and a quote is displayed for the user. If the user indicates a continued interest in the quote, a client number is presented to the user and sent to a computer telephony integration database.In an alternate embodiment of the method and system for furnishing an on-line quote for an insurance product, such as auto insurance, the user is allowed to enter basic user information on an on-line quote system application which calls a common data entry system to request credit information for the user. The common data entry system sends the requested credit information to the on-line quote system application, and the user is allowed to enter a selection of coverage using, for example, a coverage wizard feature or a direct-to quote feature. The user is then allowed to enter underwriting information on the on-line quote system application which calls a rating engine of the common data entry system to request rating information. Thereafter, the on-line quote system application displays a quote for the user based at least in part on the rating information, and the user is offered and option to talk to an agent. A fast-forward feature simplifies the entry of modifications for the user.
REFERENCES:
patent: 4831526 (1989-05-01), Luchs et al.
patent: 5182705 (1993-01-01), Barr et al.
patent: 5191522 (1993-03-01), Bosco et al.
patent: 5262940 (1993-11-01), Sussman
patent: 5493105 (1996-02-01), Desai
patent: 5523942 (1996-06-01), Tyler et al.
patent: 5655085 (1997-08-01), Ryan et al.
patent: 5701451 (1997-12-01), Rogers et al.
patent: 5754830 (1998-05-01), Butts et al.
patent: 5768578 (1998-06-01), Kirk et al.
patent: 5793964 (1998-08-01), Rogers et al.
patent: 5796932 (1998-08-01), Fox et al.
patent: 5870719 (1999-02-01), Maritzen et al.
patent: 5873066 (1999-02-01), Underwood et al.
patent: 5893072 (1999-04-01), Zizzamia
patent: 5926817 (1999-07-01), Christeson et al.
patent: 5956691 (1999-09-01), Powers
patent: 5974430 (1999-10-01), Mutschler et al.
patent: 5978799 (1999-11-01), Hirsch
patent: 5987434 (1999-11-01), Libman
patent: 6078890 (2000-06-01), Mangin et al.
patent: 6122632 (2000-09-01), Botts et al.
patent: 6144944 (2000-11-01), Kurtzman, II et al.
patent: 6144990 (2000-11-01), Brandt et al.
patent: 6175831 (2001-01-01), Weinreich et al.
patent: 6330551 (2001-12-01), Burchetta et al.
patent: 6615253 (2003-09-01), Bowman-Amuah
patent: 6615258 (2003-09-01), Barry et al.
patent: 2002/0002475 (2002-01-01), Freedman et al.
patent: 2002/0024537 (2002-02-01), Jones et al.
patent: 2002/0026334 (2002-02-01), Igoe
patent: 2002/0042763 (2002-04-01), Pillay et al.
patent: 2002/0091550 (2002-07-01), White et al.
patent: 2002/0111725 (2002-08-01), Burge
patent: 2002/0111835 (2002-08-01), Hele et al.
patent: 2002/0116228 (2002-08-01), Bauer et al.
patent: 2002/0188484 (2002-12-01), Grover et al.
patent: 2003/0093302 (2003-05-01), Quido et al.
patent: 2003/0144884 (2003-07-01), Mayaud
Microsoft Press, Microsoft Corporation, Microsoft Press Computer Dictionary, 3rd Edition, c. 1997, pp. 268 amd 305.
Flexible Technology Resolves Hardcore Business Issues, Strazewski, Len, Rough Notes; Oct. 2000; 143, 10.
Finding Intranet Solutions at Comdex. Communications Week. 63:95-7 (Nov. 18, 1996).
Solect Launches IAF 2.5, A Comprehensive Billing and Customer Care Solution; Software Infrastructure Enables Service Providers to Grow Their Internet Business. Business Wire. p. 3090284 (Mar. 9, 1998).
SiteBridge Corporation Launches CustomerNow for Real-Time Customer Service on the Web. Business Wire, p. 4271173 (Apr. 27, 1998).
MATRAnet Addresses Gap in Customer Relations, Enabling Companies to Maximize Web Sales. M2 Presswire (Jun. 9, 1999).
Grigonis, Richard. App Gens: More Than Just IVR. Computer Telephony. 7:9, 54 (Sep. 1999).
Yen, J. et al. Collaborative and Scalable Financial Analysis with Multi-Agent Technology. Proceedings of the 32nd Hawaii International Conference on System Sciences. (Mar. 1999).
HomeCom and Progressive Auto Insurance Delivering Online Insurance; Automobile and Motorcycle Insurance Will be Available Using the Internet. Business Editors. Business Wire. pp. 1-3 (May 14, 1999).
Insure.com Announces October Launch of CARSSMby PR Newswire. pp. 1-3. New York (Sep. 28, 1999).
Savage, Terry. Web site lets you compare car insurance quotes. Chicago Sun-Times, Chicago, IL, p. 49 (Jul. 18, 1999).
Technology Update. American Agent & Broker. 71:7 (Jul. 1999).
Shopping For Car Insurance Online Doesn't Kill the Pain. Mixed Results: Digging For Quotes Can Be Frustrating, But It Beats Phone Tag With Agents. Atlanta Constitution (Feb. 7, 2000).
Dual Strategy. (Company Business and Marketing). Insurance and Technology. 25:7 (Jul. 2000).
Anthem Health of New York Brings Group Health Insurance To The Web; Anthem Site Gives Employers and Brokers Immediate Group Quotes Online. Business Wire (Apr. 8, 1999).
A Powerful Offering. Distribution Management Briefing (Mar. 2000).
CitX Announces New Internet-Based E Commerce Platform for Insurance Companies to Automate Marketing, Underwriting, and Distribution of Insurance Products. PR Newswire (Sep. 21, 1998).
Commonwealth Bank Takes Net Honors. Retail Banker International. (Apr. 22, 1999).
New Opportunities To Sell Insurance Products (Emerge For Banks). Bank Marketing. 32:10 (Oct. 2000).
Money-Go-Round: Driving a Deal On-Line: The Internet Offers Cheap Quotes for Car Insurance. Daily Telegraph (Jul. 11, 1998).
www.netquote.com.
www.prudential.com.
www.ehealthinsurance.com.
www.insureme.com.
Grover Ruth B.
Hirning Linda
Neely Eric
White Donald
Woronowicz Charlene G.
Donner Irah H.
Gilligan C Luke
Rines R. David
Travelers Property Casualty Corp.
Wilmer Cutler Pickering Hale and Dorr LLP
LandOfFree
Method and system for furnishing an on-line quote for an... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Method and system for furnishing an on-line quote for an..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for furnishing an on-line quote for an... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4081073