US 2026/0087558 A1Published application

Coverage data generation system

AssigneeState Farm Mutual Automobile Insurance Company

InventorsJon DeRew, Tracy Warne, Lisa Rossi, Thomas Schaefer, Jae Warren, Ashlie O'Dell, Linda Che, Stacy Tarvin, Andrew Galligan, Ravi Patel, Bridget Richardson, Ivy Lee, Amanda Aviles

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Abstract

Described herein are systems and techniques to facilitate the generation of coverage data for various types of coverages and situations. A request for coverage data may be processed to determine a user and/or vehicle. A policy may be identified and policy coverage data may be determined. A region associated with the policy may be identified and regional coverage requirements may be determined. Based on the policy coverage data and the regional coverage requirements, applicable coverage data may be determined, reconciling any inconsistency between the policy coverage data and the regional coverage requirements if needed. The applicable coverage data may then be provided to the source of the request.

Claims20

Dependent claims

A method comprising:

receiving, at a cloud-based coverage data generation system, a request for coverage data associated with a service executing at the cloud-based coverage data generation system, the request for coverage data comprising user information and coverage data type;
determining, at the cloud-based coverage data generation system, and based on the user information, a user identifier;
determining, at the cloud-based coverage data generation system, and based on the user identifier and communication with a first data store, first coverage data associated with the coverage data type;
determining, at the cloud-based coverage data generation system, and based on the first coverage data and communication with a second data store, second coverage data associated with the coverage data type;
determining, at the cloud-based coverage data generation system, and based on the coverage data type, the first coverage data, and the second coverage data, third coverage data;
generating, at the cloud-based coverage data generation system and based on the third coverage data, presentation data that, when processed by a user computing device, cause the user computing device to output a subset of the third coverage data on an output component of the user computing device;
and
transmitting, from the cloud-based coverage data generation system to the user computing device, the presentation data.

5 more elements

A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors at a cloud-based coverage data generation system, cause the one or more processors to perform operations comprising:

receiving a request for coverage data associated with a service executing at the cloud-based coverage data generation system, the request for coverage data comprising user information and coverage data type;
determining, based on the user information, a first identifier;
determining, based on the first identifier and communication with a first data store, first coverage data associated with the coverage data type;
determining, based on the first coverage data and communication with a second data store, second coverage data associated with the coverage data type;
determining, based on the coverage data type, the first coverage data, and the second coverage data, third coverage data;
generating, based on the third coverage data, presentation data that, when processed by a user computing device, cause the user computing device to output a subset of the third coverage data on an output component of the user computing device;
and
transmitting, to the user computing device, the presentation data.

5 more elements

Dependencies are inferred from the claim text.