# US 2022/0036469 A1 · Batch processing for bulk quotes service > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2022/0036469 A1 - Document ID: US20220036469A1 - Status: Published application - Kind: A1 - Application number: 16/983,809 - Filed: 2020-08-03 - Published: 2022-02-03 - Earliest claimed: 2020-08-03 - Assignees: Hippo Analytics Inc. dba Hippo Insurance Services - Applicants: Hippo Analytics Inc. dba Hippo Insurance Services - Inventors: Hagay Hanan; Yoram Hod; Eric Gerhardinger - Web page: https://patentgrep.com/patent/US20220036469A1 ## CPC - G06Q 40/08: Insurance - G06F 16/212: {with details for data modelling support} - G06F 16/2386: {Bulk updating operations (data conversion details G06F16/258)} - G06Q 40/03: Credit; Loans; Processing thereof - 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 bulk quote service system and process including multiple processor instances having different states representing different quote record processing stages for processing respective quote records as parallel quote processing tasks. The system receives a bulk quote file and splits the bulk quote file into individually processable quote records. Each processor instance processes the quote records in parallel by validating a quote record, retrieving data for the validated quote record from at least one external data vendor, generating a rating for the validated quote record using data in the validated quote record and data retrieved from the at least one external data vendor, generating a final quote for the validated quote record using the data in the validated quote record, data from the at least one external data vendor, and the rating for the validated quote record, and associating the final quote with the validated quote record. ## Claims ### Claim 1 A bulk quote service system comprising: a machine-readable storage device that stores computer-executable instructions; and at least one processor communicatively coupled to the machine-readable storage device and including multiple instances having different states representing different quote record processing stages for processing respective quote records as parallel quote processing tasks, the at least one processor executing the computer-executable instructions to configure the system to generate bulk quotes by: receiving a bulk quote file; splitting the bulk quote file into individually processable quote records; and each instance of the at least one processor validating a quote record, retrieving data for a validated quote record from at least one external data vendor, generating a rating for the validated quote record using data in the validated quote record and data retrieved from the at least one external data vendor, generating a final quote for the validated quote record using the data in the validated quote record, data from the at least one external data vendor, and the rating for the validated quote record, and associating the final quote with the validated quote record. ### Claim 2 (depends on 1) A system as in claim 1, wherein the at least one processor further executes instructions to output a plurality of final quotes associated with prospects. ### Claim 3 (depends on 1) A system as in claim 1, wherein the different states of the processor instances include input validated, ready for rating, eligible for quote, has credit score, quote complete, and quote rejected. ### Claim 4 (depends on 1) A system as in claim 1, wherein the bulk quote file includes a comma separated values file including message data including a file path, a partner ID, and bulk quotes global parameters. ### Claim 5 (depends on 4) A system as in claim 4, wherein each instance of the at least one processor validates the quote record by performing format validation for data in the quote record and accessing a third party validation service to validate information for a prospect in the bulk quote file. ### Claim 6 (depends on 1) A system as in claim 1, further comprising a database that stores the final quote with the validated quote record for each quote record processed by each instance of the at least one processor. ### Claim 7 (depends on 1) A system as in claim 1, wherein each instance of the at least one processor generates a rating for the validated quote record by retrieving a at least one of a credit score or an insurance score associated with a prospect and uses the at least one credit score or insurance score associated with the prospect to generate the final quote. ### Claim 8 (depends on 7) A system as in claim 7, wherein each instance of the at least one processor generates the final quote for the validated quote record by regenerating the rating with the at least one credit score or insurance score, the data in the validated quote record, and the data retrieved from the at least one external data vendor. ### Claim 9 (depends on 1) A system as in claim 1, wherein the at least one processor assigns a job ID to each quote record and, while a final quote is being generated, the at least one processor retrieves data using the job ID. ### Claim 10 (depends on 9) A system as in claim 9, wherein when all quote records for the job ID are either completed or rejected, all quote records for the job ID are combined into a single output bundle for output. ### Claim 11 (depends on 1) A system as in claim 1, wherein the at least one processor checks to determine whether a valid quote exists for a prospect and marks a quote record for the prospect as invalid when the valid quote exists. ### Claim 12 (depends on 1) A system as in claim 1, wherein the at least one processor generates an error log when processing of a quote record fails, the error log including a reason for failure of the processing of the quote record. ### Claim 13 (depends on 12) A system as in claim 12, wherein the error log indicates that the quote record could not be processed due to an issue with a provider or a data vendor and, when the quote record could not be processed due to an issue with a data vendor, documents the data vendor and the nature of the issue with the data vendor. ### Claim 14 (depends on 1) A system as in claim 1, wherein the at least one processor maintains a log that shows a state of processing of each quote record, the log including a job ID, a partner ID, a total number of quote records, a number of errors, a number of successes, and a number of quote records remaining to be processed. ### Claim 15 A method of providing bulk quotes, the method comprising: receiving a bulk quote file; splitting the bulk quote file into individually processable quote records; and processing, using multiple processor instances having different states representing different quote record processing stages, respective quote records as parallel quote processing tasks, the processing by each processor instance including: validating a quote record, retrieving data for a validated quote record from at least one external data vendor, generating a rating for the validated quote record using data in the validated quote record and data retrieved from the at least one external data vendor, generating a final quote for the validated quote record using the data in the validated quote record, data from the at least one external data vendor, and the rating for the validated quote record, and associating the final quote with the validated quote record. ### Claim 16 (depends on 15) A method as in claim 15, further comprising outputting a plurality of final quotes associated with prospects. ### Claim 17 (depends on 15) A method as in claim 15, wherein each processor instance generates the final quote for the validated quote record by regenerating the rating with at least one of a credit score or an insurance score, the data in the validated quote record, and the data retrieved from the at least one external data vendor. ### Claim 18 (depends on 15) A method as in claim 15, further comprising assigning a job ID to each quote record, retrieving data using the job ID while a final quote is being generated, and when all quote records for the job ID are either completed or rejected, combining all quote records for the job ID into a single output bundle for output. ### Claim 19 (depends on 15) A method as in claim 15, further comprising processing the rating to determine if a credit rating for the validated quote record is sufficient to generate a quote and, when the validated quote record is sufficient to generate a quote, performing a credit check and updating the validated quote record with a credit score for a prospect associated with the validated quote record. ### Claim 20 A machine-readable storage device that stores computer-executable instructions that, when executed by at least one processor, implements a method of providing bulk quotes, the method comprising: receiving a bulk quote file; splitting the bulk quote file into individually processable quote records; and processing, using multiple processor instances having different states representing different quote record processing stages, respective quote records as parallel quote processing tasks, the processing by each processor instance including: validating a quote record, retrieving data for a validated quote record from at least one external data vendor, generating a rating for the validated quote record using data in the validated quote record and data retrieved from the at least one external data vendor, generating a final quote for the validated quote record using the data in the validated quote record, data from the at least one external data vendor, and the rating for the validated quote record, and associating the final quote with the validated quote record.