# US 12,118,012 B2 · Display tool

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- Number: US 12,118,012 B2
- Document ID: US12118012B2
- Status: Granted
- Kind: B2
- Application number: 18/321,420
- Filed: 2023-05-22
- Published: 2023-09-21
- Granted: 2024-10-15
- Earliest claimed: 2019-07-10
- Assignees: The Prudential Insurance Company of America
- Applicants: The Prudential Insurance Company of America
- Inventors: Christopher Brian Potter; Brian James Perra; Caroline Frances Stephani; Lisa Marie Wark; Jeff Lee Dennie; Michelle Nicole Samuel
- Web page: https://patentgrep.com/patent/US12118012B2

## CPC

- G06F 16/248: Presentation of query results
- G06F 16/25: Integrating or interfacing systems involving database management systems
- G06F 16/252: {between a Database Management System and a front-end application}
- G06Q 40/08: Insurance
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

An apparatus includes a display, a memory, and a hardware processor. The processor accesses a database that includes initial assumptions, current assumptions, values of a life insurance policy over time, transactions, and payments. The processor displays on a first region of the display a baseline curve, a historical performance curve, and an in-force curve. The processor further displays on various other regions of the display a series of points representing the transactions, a current policy value, a first link to download a first file, a second link to display the current assumptions, a third link to download a second file, a fourth link to display the initial assumptions, a fifth link to open an in-force illustrator used to generate an illustration, a sixth link to create or update a new baseline, a seventh link to display the payments, and an eighth link to display the transactions.

## Claims

### Claim 1

An apparatus comprising:
a display;
a memory;
a hardware processor communicatively coupled to the memory, the hardware processor configured to:
access a database storing:
a set of initial assumptions;
a set of current assumptions;
a set of values of a life insurance policy over time, comprising an initial value and a current value;
a list of transactions; and
a list of payments;
display on a first region of the display defined by a vertical price axis and a first horizontal time axis:
a baseline curve comprising a first series of points representing a first illustration of values for the life insurance policy over time, the first illustration based on the set of initial assumptions and the initial value;
a historical performance curve comprising a second series of points representing the set of values of the life insurance policy over time; and
an in-force curve comprising a third series of points representing a second illustration of values for the life insurance policy over time, the second illustration based on the set of current assumptions and the current value;
display on a second region of the display located below the first region of the display and defined by a second horizontal time axis a fourth series of points representing the list of transactions;
display on a third region of the display located above the first region of the display the current value;
display on a fourth region of the display located below the second region of the display:
a first link to download a first file comprising an in-force illustration, the in-force illustration comprising the second illustration;
a second link to display the set of current assumptions;
a third link to download a second file comprising a baseline illustration, the baseline illustration comprising the first illustration; and
a fourth link to display the set of initial assumptions;
display on a fifth region of the display located below the second region of the display and to the right of the fourth region of the display:
a fifth link to open an in-force illustrator used to generate an illustration; and
a sixth link to create or update a new baseline; and
display on a sixth region of the display located below the second region of the display and to the right of the fifth region of the display:
a seventh link to display the list of payments; and
an eighth link to display the list of transactions.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the processor is further configured to:
in response to a user selecting the first link, save the first file in the memory;
in response to the user selecting the second link, display the set of current assumptions;
in response to the user selecting the third link, save the second file in the memory;
in response to the user selecting the fourth link, display the set of initial assumptions;
in response to the user selecting the seventh link, display the list of payments; and
in response to the user selecting the eighth link, display the list of transactions.

### Claim 3 (depends on 1)

The apparatus of claim 1, wherein the processor is further configured to:
in response to the user selecting the fifth link, display a first form for input of a first set of parameters used to define the illustration; and
in response to a user selecting the sixth link, display a second form for input of a second set of parameters used to define the new baseline.

### Claim 4 (depends on 3)

The apparatus of claim 3, wherein the processor is further configured to:
receive the first set of parameters from the first form;
in response to receiving the first set of parameters:
produce a third file comprising the illustration; and
save the third file to the memory;
receive the second set of parameters from the second form; and
in response to receiving the second set of parameters:
determine a fifth series of points representing the new baseline, based on the second set of parameters; and
display in the first region of the display the fifth series of points.

### Claim 5 (depends on 1)

The apparatus of claim 1, wherein the processor is further configured to:
determine that a first transaction has occurred that is not in the list of transactions; and
in response to determining that the transaction has occurred, display on a seventh region of the display located to the left of the first region of the display a first notification.

### Claim 6 (depends on 5)

The apparatus of claim 5, wherein the processor is further configured to:
determine that a second transaction that is in the list of transactions will occur within a set time interval; and
in response to determining that the second transaction will occur within the set time interval, display in the seventh region a second notification.

### Claim 7 (depends on 1)

The apparatus of claim 1, wherein the processor is further configured to:
display a ninth link to create a model scenario;
in response to the user selecting the ninth link:
display a third form for input of a third set of parameters used to define a possible event for the model scenario;
receive the third set of parameters; and
in response to receiving the third set of parameters:
determine a sixth series of points, based on the second set of parameters, representing the model scenario based on the possible event; and
display, in the first region of the display, the sixth series of points.

### Claim 8

A method comprising:
accessing a database storing:
a set of initial assumptions;
a set of current assumptions;
a set of values of a life insurance policy over time, comprising an initial value and a current value;
a list of transactions; and
a list of payments;
displaying on a first region of a display defined by a vertical price axis and a first horizontal time axis:
a baseline curve comprising a first series of points representing a first illustration of values for the life insurance policy over time, the first illustration based on the set of initial assumptions and the initial value;
a historical performance curve comprising a second series of points representing the set of values of the life insurance policy over time; and
an in-force curve comprising a third series of points representing a second illustration of values for the life insurance policy over time, the second illustration based on the set of current assumptions and the current value;
displaying on a second region of the display located below the first region of the display and defined by a second horizontal time axis a fourth series of points representing the list of transactions;
displaying on a third region of the display located above the first region of the display the current value;
displaying on a fourth region of the display located below the second region of the display:
a first link to download a first file comprising an in-force illustration, the in-force illustration comprising the second illustration;
a second link to display the set of current assumptions;
a third link to download a second file comprising a baseline illustration, the baseline illustration comprising the first illustration; and
a fourth link to display the set of initial assumptions;
displaying on a fifth region of the display located below the second region of the display and to the right of the fourth region of the display:
a fifth link to open an in-force illustrator used to generate an illustration; and
a sixth link to create or update a new baseline; and
displaying on a sixth region of the display located below the second region of the display and to the right of the fifth region of the display:
a seventh link to display the list of payments; and
an eighth link to display the list of transactions.

### Claim 9 (depends on 8)

The method of claim 8, further comprising:
in response to a user selecting the first link, saving the first file in a memory;
in response to the user selecting the second link, displaying the set of current assumptions;
in response to the user selecting the third link, saving the second file in the memory;
in response to the user selecting the fourth link, displaying the set of initial assumptions;
in response to the user selecting the seventh link, displaying the list of payments; and
in response to the user selecting the eighth link, displaying the list of transactions.

### Claim 10 (depends on 8)

The method of claim 8, further comprising:
in response to the user selecting the fifth link, displaying a first form for input of a first set of parameters used to define the illustration; and
in response to a user selecting the sixth link, displaying a second form for input of a second set of parameters used to define the new baseline.

### Claim 11 (depends on 10)

The method of claim 10, further comprising:
receiving the first set of parameters from the first form;
in response to receiving the first set of parameters:
producing a third file comprising the illustration; and
saving the third file to the memory;
receiving the second set of parameters from the second form; and
in response to receiving the second set of parameters:
determining a fifth series of points representing the new baseline, based on the second set of parameters; and
displaying in the first region of the display the fifth series of points.

### Claim 12 (depends on 8)

The method of claim 8, further comprising:
determining that a first transaction has occurred that is not in the list of transactions; and
in response to determining that the transaction has occurred, displaying on a seventh region of the display located to the left of the first region of the display a first notification.

### Claim 13 (depends on 12)

The method of claim 12, further comprising:
determining that a second transaction that is in the list of transactions will occur within a set time interval; and
in response to determining that the second transaction will occur within the set time interval, displaying in the seventh region a second notification.

### Claim 14 (depends on 8)

The method of claim 8, further comprising:
displaying a ninth link to create a model scenario;
in response to the user selecting the ninth link:
displaying a third form for input of a third set of parameters used to define a possible event for the model scenario;
receive the third set of parameters; and
in response to receiving the third set of parameters:
determining a sixth series of point, based on the second set of parameters, representing the model scenario based on the possible event; and
displaying, in the first region of the display, the sixth series of points.

### Claim 15

A system comprising:
a display;
a storage element;
a processing element communicatively coupled to the storage element, the processing element operable to:
access a database storing:
a set of initial assumptions;
a set of current assumptions;
a set of values of a life insurance policy over time, comprising an initial value and a current value;
a list of transactions; and
a list of payments;
display on a first region of the display defined by a vertical price axis and a first horizontal time axis:
a baseline curve comprising a first series of points representing a first illustration of values for the life insurance policy over time, the first illustration based on the set of initial assumptions and the initial value;
a historical performance curve comprising a second series of points representing the set of values of the life insurance policy over time; and
an in-force curve comprising a third series of points representing a second illustration of values for the life insurance policy over time, the second illustration based on the set of current assumptions and the current value;
display on a second region of the display located below the first region of the display and defined by a second horizontal time axis a fourth series of points representing the list of transactions;
display on a third region of the display located above the first region of the display the current value;
display on a fourth region of the display located below the second region of the display:
a first link to download a first file comprising an in-force illustration, the in-force illustration comprising the second illustration;
a second link to display the set of current assumptions;
a third link to download a second file comprising a baseline illustration, the baseline illustration comprising the first illustration; and
a fourth link to display the set of initial assumptions;
display on a fifth region of the display located below the second region of the display and to the right of the fourth region of the display:
a fifth link to open an in-force illustrator used to generate an illustration; and
a sixth link to create or update a new baseline;
display on a sixth region of the display located below the second region of the display and to the right of the fifth region of the display:
a seventh link to display the list of payments; and
an eighth link to display the list of transactions;
in response to a user selecting the first link, save the first file in the storage element;
in response to the user selecting the second link, display the set of current assumptions;
in response to the user selecting the third link, save the second file in the storage element;
in response to the user selecting the fourth link, display the set of initial assumptions;
in response to the user selecting the seventh link, display the list of payments;
in response to the user selecting the eighth link, display the list of transactions;
in response to the user selecting the ninth link, display the glossary; and
in response to the user selecting the tenth link, display the list of frequently asked questions.

### Claim 16 (depends on 15)

The system of claim 15, wherein the processing element is further operable to:
in response to the user selecting the fifth link, display a first form for input of a first set of parameters used to define the illustration; and
in response to a user selecting the sixth link, display a second form for input of a second set of parameters used to define the new baseline.

### Claim 17 (depends on 16)

The system of claim 16, wherein the processing element is further operable to:
receive the first set of parameters from the first form;
in response to receiving the first set of parameters:
produce a third file comprising the illustration; and
save the third file in the storage element;
receive the second set of parameters from the second form; and
in response to receiving the second set of parameters:
determine a fifth series of points representing the new baseline, based on the second set of parameters; and
display in the first region of the display the fifth series of points.

### Claim 18 (depends on 15)

The system of claim 15, wherein the processing element is further operable to:
determine that a first transaction has occurred that is not in the list of transactions; and
in response to determining that the transaction has occurred, display on an eighth region of the display located to the left of the first region of the display a first notification.

### Claim 19 (depends on 18)

The system of claim 18, wherein the processing element is further operable to:
determine that a second transaction that is in the list of transactions will occur within a set time interval; and
in response to determining that the second transaction will occur within the set time interval, display in the eighth region a second notification.

### Claim 20 (depends on 15)

The system of claim 15, wherein the processing element is further configured to:
display on a seventh region of the display a ninth link to create a model scenario;
in response to the user selecting the ninth link:
display a third form for input of a third set of parameters used to define a possible event for the model scenario;
receive the third set of parameters; and
in response to receiving the third set of parameters:
determine a sixth series of points, based on the second set of parameters, representing the model scenario based on the possible event; and
display, in the first region of the display, the sixth series of point.