Method and apparatus for on-line retailing of insurance goods and services
OwnerHershel Alan Kleinberginventor
Life of this patent
Estimating the term…
Abstract
A method and system for selling insurance on-line, particularly where there is an affiliate involved in the transaction who may receive a fee. Available products are determined based on what products the affiliate may sell, what products the user can buy and what products meet the criteria specified by the user. In addition, the affiliate is credited with the user registration and sale and is allotted a fee or commission based on what is allowed by insurance regulations.
Claims20
A computer implemented method of electronic commerce and information distribution across a computer network comprising the steps of:
- providing product information on a first computer-implemented interface;
- receiving a query regarding said product information across said computer network;
- associating said query with said first computer-implemented interface;
- associating said query with user information;
- communicating said query to a second computer-implemented interface across said computer network;
- storing said user information and said association with said first computer-implemented interface;
- and
- responding to said query.
A computer implemented method for on-line distribution of insurance services information from a transactional web page operably connected to one or more referring web pages, each of said referring web pages being associated with at least one affiliate, comprising the steps of:
- receiving a user query communicated from a referring web page to said transactional web page;
- receiving information identifying an affiliate associated with said referring web page at said transactional web page;
- recording information about said user query, including association of said query with said associated affiliate;
- and
- responding to said user query.
A system for on-line distribution of insurance services information comprising:
- a world wide web page server operably connected to a computer network and a database server, said world wide web page server providing a transactional web page interface capable of receiving a user query communicated from a referring web page associated with an affiliate;
- said database server comprising a database application and a database of insurance services, said database application providing an interface between said database of insurance services and said transactional world wide web page;
- said database of insurance services further providing database information identifying restrictions on insurance service availability based on an affiliate associated with a referring web page;
- and
- said database of insurance services further providing database information identifying the commission to which said affiliate associated with a referring web page is entitled to receive if said user query results in an insurance service transaction.
Dependencies are inferred from the claim text.