# US 2014/0207494 A1 · System and method for selling intangible property

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- Number: US 2014/0207494 A1
- Document ID: US20140207494A1
- Status: Published application
- Kind: A1
- Application number: 14/158,340
- Filed: 2014-01-17
- Published: 2014-07-24
- Earliest claimed: 2013-01-18
- Assignees: Fidelity Life Association
- Applicants: Fidelity Life Association
- Inventors: Michael Rowell
- Web page: https://patentgrep.com/patent/US20140207494A1

## CPC

- G06Q 40/08: Insurance
- G06Q 30/0631: {Recommending goods or services}
- 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 system and methods to enable a consumer or agent to purchase intangible products, such as life insurance, are disclosed. The system is a workflow implementation system that processes a consumer through the purchase process, updating the consumer at various points with options of intangible products available for purchase. In various embodiments, the system presents cross-sell opportunities in the form of other intangible products that the customer has not specifically indicated an interested in purchasing, but that the consumer qualifies or potentially qualifies for that the system has determined may be of interest.

## Claims

### Claim 1

A workflow implementation system comprising:
at least one processor;
at least one network interface device; and
at least one memory device which stores a plurality of instructions which, when executed by the at least one processor, cause the at least one processor to operate with the at least one network interface device to:
(a) enable information about a prospective customer to be provided, said information including at least one indication of a desired life insurance coverage;
(b) determine that at least one piece of additional information about the customer is needed;
(c) display an indication requesting the at least one piece of additional information about the customer;
(d) receive the at least one piece of additional information;
(e) display an indication of at least one product for which the customer is eligible based on the information about the prospective customer and the at least one piece of additional information about the customer; and
(f) display a recommendation of at least one additional product as a cross sell opportunity based on the information about the prospective customer and the at least one piece of additional information about the customer, wherein the at least one additional product is not a product the customer is known to be interested in purchasing.