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US 8,478,613 B2Granted
System and method for providing and displaying dynamic coverage recommendations
AssigneeHartford Fire Insurance Company
InventorsTamara L. Diefendorf, Pallavi J. Patel, Daniel F. McCoy, Kathyann Bentley
Life of this patent
Estimating the term…
Abstract
A dynamic computer system assists users in selecting insurance coverage types and levels appropriate for their present financial circumstances. The computer system includes a graphical user interface (GUI) with dynamic sliders representative of a user's financial data. The system accesses third party data to validate and enrich coverage determinations.
Claims25
A system for dynamically generating consumer coverage recommendations comprising:
- a web server host in communication with an input/output device and at least one external database via a communications network;
- wherein the web server host is configured to render at least one graphical user interface screen including a first dynamic slider representing a value of a consumer's assets in a first class of assets, a second dynamic slider representing a value of the consumer's assets in a second class of assets, and a third dynamic slider representing a value of the consumer's assets in a third class of assets, the sliders being dynamically configurable along a range of value settings;
- wherein the web server host is adapted to access information related to the consumer's assets in the first, second or third class of assets from the at least one external database;
- wherein the information related to the consumer's assets in the first, second or third class of assets from the at least one external database is linked to the web server host so that the web server host dynamically reconfigures the slider settings of one or more of the first, second and third dynamic sliders based at least in part on the information related to the consumer's assets in the first, second or third class of assets from the at least one external database;
- and
- wherein the web server host is configured to generate one or more recommended values for one or more insurance coverage parameters based at least in part on the reconfigured dynamic slider settings representing the value of the consumer's assets in the first, second and third class of assets.
3 more elements
A computer-readable medium having stored thereon a plurality of instructions, the plurality of instructions including instructions which, when executed by a processor, cause the processor to perform a method for interfacing with software, comprising:
- providing a graphical user interface (GUI) with at least three dynamic slider fields,
- wherein a first dynamic slider field is representative of a value of a user's assets in a first class of assets, a second dynamic slider field is representative of a value of the user's assets in a second class of assets;
- and a third dynamic slider field is representative of a value of the user's assets in a third class of assets, each slider field being representative of a range of asset values;
- wherein the GUI is dynamic and is presented during execution of the software, the GUI being responsive to a user input received during execution of the software requesting the values of a user's assets in the first, second and third class of assets;
- storing in a memory the values of the user's assets in the first, second and third classes of assets;
- querying one or more external databases for data relating to values of the user's assets in the first, second or third classes of assets;
- reconfiguring the dynamic sliders to one or more alternate value settings based on the data relating to the values of the user's assets in the first, second or third classes of assets from the one or more external databases;
- and
- issuing one or more recommended values for one or more insurance coverage parameters based at least in part on the reconfigured dynamic slider value settings representing the values of the user's assets in the first, second and third classes of assets.
6 more elements
A system for delivering intelligent coverage recommendations via a dynamically configurable graphical user interface comprising:
- a communication device to receive and transmit information;
- a processor coupled to the communication device;
- and
- a storage device in communication with the processor and storing instructions adapted to be executed by the processor to:
- receive personal financial data from the customer regarding at least the customer's personal assets in a plurality of asset classes including at least income, savings and home equity;
- access customer financial data from one or more auxiliary third-party databases;
- dynamically configure asset selection sliders based at least in part on the personal financial data and the customer financial data from the one or more auxiliary third-party databases;
- generate one or more recommended values for one or more insurance coverage parameters based at least in part on the configuration of the asset selection sliders, which are based at least in part on the personal financial data and the customer financial data from the one or more auxiliary third-party databases;
- receive a coverage recommendation selection from the customer;
- and
- establish one or more post recommendation communications via the communication device.
8 more elements
Dependencies are inferred from the claim text.