# US 2014/0156313 A1 · System and method for using insurance pictorical classification > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156313 A1 - Document ID: US20140156313A1 - Status: Published application - Kind: A1 - Application number: 13/692,566 - Filed: 2012-12-03 - Published: 2014-06-05 - Earliest claimed: 2012-12-03 - Assignees: Hartford Fire Insurance Company - Applicants: Hartford Fire Insurance Company - Inventors: James S. Rogers; Jon C. Desjardins; Derrick Joseph Karle; Steven Anthony Simone - Web page: https://patentgrep.com/patent/US20140156313A1 ## CPC - G06Q 40/08: Insurance - 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 A display device may display to a user questions related to insurance products. The user may be a business owner, and the questions may solicit information that may be used to determine which of the insurance products are applicable to the user's business. Input data may be received from a user that is responsive to the questions. The input data may indicate, for example, the type of industry of the business and the location of the business. Next, the display device may present the user with a set of pictures that are related to the user's business industry. Input data may be received from the user, selecting a subset of the pictures. Based on the input data, a business classification may be determined. The business classification along with underwriting information may be used to determine a business insurance product and options that are applicable to the business. ## Claims ### Claim 1 A system for the processing and display of information related to business insurance options offered by an insurance company, the system comprising: a memory device configured to store a plurality of pictures related to at least one business insurance product, metadata associated with the pictures, and information related to the at least one business insurance product; a transmitter configured to transmit display information, the display information including questions related to general information about a business; a receiver configured to receive input data from a user device that is responsive to the questions; a processor configured to determine a set of pictures from the plurality of pictures based on the received input data responsive to the questions; a communication device associated with the processor configured to transmit the set of pictures to a user device; the receiver further configured to receive input data from the user device, wherein the input data indicates selections of a subset of the set of pictures; and the processor further configured to determine a business classification, based on metadata associated with the selected subset of the set of pictures. ### Claim 2 (depends on 1) The system of claim 1, wherein the communication device is further configured to transmit the determined business classification to the user device. ### Claim 3 (depends on 2) The system of claim 2, wherein the receiver is further configured to receive confirmation data, from the user device, in response to the transmitted business classification. ### Claim 4 (depends on 1) The system of claim 1, wherein the processor is further configured to generate underwriting questions based on the metadata associated with the selected subset of pictures. ### Claim 5 (depends on 4) The system of claim 4, wherein the processor is further configured to determine an insurance product and associated options to offer the user, based on the metadata associated with the selected subset of pictures and the response to the underwriting questions. ### Claim 6 (depends on 1) The system of claim 1, wherein the metadata includes at least one of the following fields: a. picture number or filename; b. picture file type; c. industry; d. liability code associated with the industry; e. worker's compensation codes associated with the activity/industry; f. commercial automobile codes; g. underwriting/class questions; h. corporate appetite for coverage of industry/activity; and i. recommended coverages. ### Claim 7 (depends on 6) The system of claim 6, wherein the processor is configured to compare at least the industry metadata field and to perform an analysis to determine a best fit business classification. ### Claim 8 (depends on 1) The system of claim 1, wherein the receiver is further configured to receive a picture uploaded from the user device and to store it in the memory device. ### Claim 9 (depends on 8) The system of claim 8, wherein the processor is configured to generate metadata associated with the uploaded picture. ### Claim 10 A method for the processing and display of information related to business insurance options offered by an insurance company, the method comprising: storing, by a memory device, pictures related to at least one business insurance product, metadata associated with the pictures, and information related to the at least one business insurance product; transmitting, by a transmitter, display information, the display information including questions related to general information about a business; receiving, by a receiver, input data from a user device that is responsive to the questions; determining, by a processor, a set of pictures from the plurality of pictures based on the received input data; transmitting, by a communication device, the set of pictures to the user device; receiving, by the receiver, input data from the user device, wherein the input data indicates selections of a subset of the set of pictures; and determining, by the processor, a business classification, based on metadata associated with the selected subset of pictures. ### Claim 11 (depends on 10) The method of claim 10, further comprising transmitting the determined business classification to a user device. ### Claim 12 (depends on 11) The method of claim 11, further comprising receiving confirmation data, from the user device, in response to the transmitted business classification. ### Claim 13 (depends on 10) The method of claim 10, further comprising generating underwriting questions based on the metadata associated with the selected subset of pictures. ### Claim 14 (depends on 13) The method of claim 13, further comprising determining an insurance product and associated options to offer the user, based on the metadata associated with the selected subset of pictures and the input data to the underwriting questions. ### Claim 15 (depends on 10) The method of claim 10, wherein the metadata includes at least one of the following fields: j. picture number or filename; k. picture file type; l. industry; m. liability code associated with the industry; n. worker's compensation codes associated with the activity/industry; o. commercial automobile codes; p. underwriting/class questions; q. corporate appetite for coverage of industry/activity; and r. recommended coverages. ### Claim 16 (depends on 15) The method of claim 15, further comprising comparing at least the industry metadata field and to perform an analysis to determine a best fit business classification. ### Claim 17 (depends on 10) The method of claim 10, further comprising receiving a picture uploaded from the user device and to store it in the memory device. ### Claim 18 (depends on 17) The method of claim 17, further comprising generating metadata associated with the uploaded picture. ### Claim 19 A non-transitory computer-readable medium having processor-executable instructions stored thereon which, when executed by at least one processor, will cause the at least one processor to perform a method for the processing and display of information related to business insurance products offered by an insurance company, the method comprising: storing, by a memory device, pictures related to at least one business insurance product, metadata associated with the pictures, and information related to the at least one business insurance product; transmitting display information, the display information including questions related to general information about a business; receiving input data from a user device that is responsive to the questions; determining a set of pictures from the plurality of pictures based on the received input data; transmitting the set of pictures to the user device; receiving input data from the user device, wherein the input data indicates selections of a subset of the set of pictures; and determining a business classification, based on metadata associated with the selected subset of pictures. ### Claim 20 (depends on 19) The non-transitory computer-readable medium of claim 19, further comprising transmitting the determined business classification to a user device.