# US 2016/0092991 A1 · Insurance Data Management System

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- Number: US 2016/0092991 A1
- Document ID: US20160092991A1
- Status: Published application
- Kind: A1
- Application number: 14/870,331
- Filed: 2015-09-30
- Published: 2016-03-31
- Earliest claimed: 2012-08-03
- Assignees: Cloudbridge, LLC
- Applicants: Cloudbridge, LLC
- Inventors: Brian J.X. Murphy
- Web page: https://patentgrep.com/patent/US20160092991A1

## CPC

- G06Q 40/08: Insurance
- G06F 16/2428: {Query predicate definition using graphical user interfaces, including menus and forms (G06F16/2423 takes precedence)}
- G06F 16/29: Geographical information databases
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

A system and method for the capture, storage and usage of specific insurance underwriting and/or loss validation data includes a handheld mobile computer device containing one or more master forms in which insurance data is entered into the handheld device, normally at the location of the insured home along with an electronic signature of the insured and a geocode and time/date stamp. The data is uploaded to a secure, structured database. Insurance data can also be entered, in a secure manner, via a customer portal by the insured or from third party data sources. The system includes software with the ability to pre-populate standardized underwriting forms based on the collected data. The system also manages electronic insurance quotes and bind orders as well.

## Claims

### Claim 1

An insurance portfolio data management system comprising:
a structured database containing insurance data for insurance customers;
at least one handheld mobile computing device that is programmed to receive insurance data entered into one or more master forms on the handheld device and upload the entered data to the structured database, wherein the data entered into the master form on the handheld unit is geocoded and time and date stamped.

### Claim 2 (depends on 1)

A system as recited in claim 1 wherein insurance data can also be entered into the structured database via a customer portal or from a third party data source.

### Claim 3 (depends on 1)

A system as recited in claim 1 wherein the insurance data in the structured database is used to pre-populate one or more standardized underwriting forms and the system further generates pre-populated versions of the standardized underwriting forms in electronic form.

### Claim 4 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computing device further includes the ability to take photographs and upload the photographs to the structured database, and then associate those photographs/images with a dedicated file that corresponds to a specific customer

### Claim 5 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computing device further comprises a stylus and electronic signature capability.

### Claim 6 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computing device further comprises a stylus for the purposes of marking static photographs or images.

### Claim 7 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computing device further comprises a bar code reading capability.

### Claim 8 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computing device further comprises the ability to take video and upload the video to the structured database.

### Claim 9 (depends on 1)

A system as recited in claim 1 further comprising a document scanner that is able to communicate with the handheld mobile computing device and wherein the handheld mobile computing device has the ability to upload scanned documents to the structured database.

### Claim 10 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computing device further comprises a voice recording capability.

### Claim 11 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computer device includes a master form for in-taking an insurance customer, another master form for collecting information regarding home owner's insurance, and yet another master form for collecting information regarding auto insurance.

### Claim 12 (depends on 1)

A system as recited in claim 1 wherein the handheld mobile computer device includes a master form for validating property losses.