# US 2022/0044332 A1 · Generation of an Insurance Quote Based on Another Insurance Quote

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- Number: US 2022/0044332 A1
- Document ID: US20220044332A1
- Status: Published application
- Kind: A1
- Application number: 17/509,922
- Filed: 2021-10-25
- Published: 2022-02-10
- Earliest claimed: 2014-07-22
- Assignees: Allstate Insurance Company
- Applicants: Allstate Insurance Company
- Inventors: Wayne J. Kullman; Jennifer Brandmaier; Alinawaz Ismaili; William Loo; Philip Ramirez; Grace Song; Alfasha Zulkifli
- Web page: https://patentgrep.com/patent/US20220044332A1

## 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 computer-assisted method for generating one or more insurance quotes for a user is described herein. A computing device of an insurance provider may generate a first insurance quote for the user. The computing device may receive from a database information identifying contacts for the user. In response to determining that at least one of the contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. The computing device may generate a second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user. For example, the computing device may compare the insurance quote for the customer to the first insurance quote for the user. The first insurance quote may be adjusted to be within a predetermined amount of the insurance quote for the customer.

## Claims

### Claim 1

A method comprising:
determining, by a computing device, to include a first quotation presentation including a first quote of a first user in a second quotation presentation to a second user who is a contact of the first user to prompt favorable responses to the second quotation presentation, wherein the determining comprises:
receiving data indicating that the first user has accepted the first quote;
generating, by the computing device, a second quote for the second user, wherein the generating the second quote comprises:
causing, on a display device, display of an option to adjust the second quote to be within an amount of the first quote for the first user; and
in response to receiving a selection of the option to adjust the second quote, adjusting the second quote to be within the amount of the first quote for the first user;
causing, by the computing device, on the display device, display of a recommendation to include the first quotation presentation in the second quotation presentation comprising the second quote;
generating a media interactive quote session facilitating a live video chat during which the second quotation presentation is presented;
initiating, by the computing device and based on real-time information provided by a user device of the second user, the media interactive quote session supported by one or more input/output devices of the user device of the second user;
while the second quotation presentation is being presented during the media interactive quote session, determining that an amount of time spent on a particular page of the second quotation presentation exceeds a predetermined threshold, and determining a topic of the particular page of the second quotation presentation;
in response to determining the topic of the particular page, determining one or more additional pages related to the topic of the particular page; and
while the second quotation presentation is being presented during the media interactive quote session, causing display of at least one of the one or more additional pages.

### Claim 2 (depends on 1)

The method of claim 1, wherein determining to include a first quotation present further comprises:
retrieving a page identifier assigned to a first presentation page of the first quotation presentation;
retrieving a success rate counter indicating a success rate of the first presentation page assigned by the page identifier;
incrementing, based on the data indicating that the first user has accepted the first quote, the success rate counter.

### Claim 3 (depends on 2)

The method of claim 2, further comprising:
receiving, by the computing device, data indicating a user interaction with the first presentation page; and
incrementing, by the computing device and based on the user interaction with the first presentation page, the success rate counter.

### Claim 4 (depends on 2)

The method of claim 2, further comprising:
receiving, by the computing device, data indicating a satisfied user feedback for the first quotation presentation; and
incrementing, by the computing device and based on the data indicating the satisfied user feedback, the success rate counter.

### Claim 5 (depends on 2)

The method of claim 2, further comprising:
receiving, by the computing device, data indicating an amount of time that the first user has spent on a page of the first quotation presentation; and
incrementing, by the computing device and based on the data indicating the amount of time that the first user has spent on the page of the first quotation presentation, the success rate counter.

### Claim 6 (depends on 2)

The method of claim 2, further comprising:
receiving, by the computing device, data indicating that the second user has not accepted the second quote after viewing the second quotation presentation; and
decrementing, by the computing device and based on the data indicating that the second user has not accepted the second quote, the success rate counter.

### Claim 7 (depends on 2)

The method of claim 2, wherein the page identifier is an alphanumeric code.

### Claim 8 (depends on 2)

The method of claim 2, wherein the page identifier is a title of the first presentation page.

### Claim 9 (depends on 1)

The method of claim 1, further comprising:
retrieving, by the computing device, a quote identifier identifying the first quote; and
sending, by the computing device, data indicating the quote identifier.

### Claim 10

A system comprising:
a display device; and
a computing device comprising:
a processor;
a memory device communicatively coupled to the processor, the memory device storing instructions that, when executed by the processor, cause the computing device to:
determine to include a first quotation presentation including a first quote of a first user in a second quotation presentation to a second user who is a contact of the first user, wherein the determining comprises:
receiving data indicating that the first user has accepted the first quote;
generating, by the computing device, a second quote for the second user, wherein the generating the second quote comprises:
causing, on the display device, display of an option to adjust the second quote to be within an amount of the first quote for the first user; and
in response to receiving a selection of the option to adjust the second quote, adjusting the second quote to be within the amount of the first quote for the first user;
causing, on the display device, display of a recommendation to include the first quotation presentation in the second quotation presentation comprising the second quote;
generating a media interactive quote session facilitating a live video chat during which the second quotation presentation is presented;
initiating based on real-time information provided by a user device of the second user, the media interactive quote session supported by one or more input/output devices of the user device of the second user;
while the second quotation presentation is being presented during the media interactive quote session, determining that an amount of time spent on a particular page of the second quotation presentation exceeds a predetermined threshold, and determining a topic of the particular page of the second quotation presentation;
in response to determining the topic of the particular page, determining one or more additional pages related to the topic of the particular page; and
while the second quotation presentation is being presented during the media interactive quote session, causing display of at least one of the one or more additional pages.

### Claim 11 (depends on 10)

The system of claim 10, wherein the memory device further stores instructions that, when executed by the processor, cause the computing device to:
retrieve a page identifier assigned to a first presentation page of the first quotation presentation;
retrieving a success rate counter indicating a success rate of the first presentation page assigned by the page identifier;
increment, based on the data indicating that the first user has accepted the first quote, the success rate counter.

### Claim 12 (depends on 11)

The system of claim 11, wherein the memory device further stores instructions that, when executed by the processor, cause the computing device to:
receive data indicating that the second user has not accepted the second quote after viewing the second quotation presentation; and
decrement, based on the data indicating that the second user has not accepted the second quote, the success rate counter.

### Claim 13

An apparatus, comprising:
a processor;
a memory communicatively coupled to the processor, the memory storing instructions that, when executed by the processor, cause the apparatus to include a first quotation presentation including a first quote of a first user in a second quotation presentation to a second user who is a contact of the first user, wherein the determining comprises:
receiving data indicating that the first user has accepted the first quote;
generating a second quote for the second user, wherein the generating the second quote comprises:
causing, on a display device, display of an option to adjust the second quote to be within an amount of the first quote for the first user; and
in response to receiving a selection of the option to adjust the second quote, adjusting the second quote to be within the amount of the first quote for the first user;
causing, on the display device, display of a recommendation to include the first quotation presentation in the second quotation presentation comprising the second quote;
generating a media interactive quote session facilitating a live video chat during which the second quotation presentation is presented;
initiating, based on real-time information provided by a user device of the second user, the media interactive quote session supported by one or more input/output devices of the user device of the second user;
while the second quotation presentation is being presented during the media interactive quote session, determining that an amount of time spent on a particular page of the second quotation presentation exceeds a predetermined threshold, and determining a topic of the particular page of the second quotation presentation;
in response to determining the topic of the particular page, determining one or more additional pages related to the topic of the particular page; and
while the second quotation presentation is being presented during the media interactive quote session, causing display of at least one of the one or more additional pages.

### Claim 14 (depends on 13)

The apparatus of claim 13, wherein the instructions, when executed by the processor further cause the apparatus to:
retrieve a page identifier assigned to a first presentation page of the first quotation presentation;
retrieve a success rate counter indicating a success rate of the first presentation page assigned by the page identifier;
increment, based on the data indicating that the first user has accepted the first quote, the success rate counter.

### Claim 15 (depends on 14)

The apparatus of claim 14, wherein the instructions, when executed by the processor, further cause the apparatus to:
receive data indicating a user interaction with the first presentation page; and
increment, based on the user interaction with the first presentation page, the success rate counter.

### Claim 16 (depends on 14)

The apparatus of claim 14, wherein the instructions, when executed by the processor, further cause the apparatus to:
receive, data indicating a satisfied user feedback for the first presentation page; and
increment, based on the data indicating the satisfied user feedback, the success rate counter.

### Claim 17 (depends on 14)

The apparatus of claim 14, wherein the instructions, when executed by the processor, further cause the apparatus to:
receive data indicating an amount of time that the first user has spent on the first presentation page; and
increment based on the data indicating the amount of time that the first user has spent on the first presentation page, the success rate counter.

### Claim 18 (depends on 14)

The apparatus of claim 14, wherein the instructions, when executed by the processor, further cause the apparatus to:
retrieve a quote identifier identifying the first quote; and
send data indicating the quote identifier.

### Claim 19 (depends on 18)

The apparatus of claim 18, wherein the page identifier is an alphanumeric code.

### Claim 20 (depends on 18)

The apparatus of claim 18, wherein the page identifier is a title of the first presentation page.