# US 8,751,468 B2 · Computer system and computerized method for processing account data

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 8,751,468 B2
- Document ID: US8751468B2
- Status: Granted
- Kind: B2
- Application number: 13/230,532
- Filed: 2011-09-12
- Published: 2012-01-05
- Granted: 2014-06-10
- Earliest claimed: 2000-03-28
- Assignees: Hartford Fire Insurance Company
- Applicants: Richard A. Adelson; Kathleen Barrett; Doug Bendel; Keven J. Busque; Daniel B. Chaput; Marie T. Engel; Marshall Kaplan; Beverly I. Kirby; John E. Lamb; Nora Medina; Sandra J. Meyerhofer; Jeffrey J. Ryan; Jean A. Sirica; Mark J. Smith; James Tsokalas; M. Kathleen Williams
- Inventors: Richard A. Adelson; Kathleen Barrett; Doug Bendel; Keven J. Busque; Daniel B. Chaput; Marie T. Engel; Marshall Kaplan; Beverly I. Kirby; John E. Lamb; Nora Medina; Sandra J. Meyerhofer; Jeffrey J. Ryan; Jean A. Sirica; Mark J. Smith; James Tsokalas; M. Kathleen Williams
- Web page: https://patentgrep.com/patent/US8751468B2

## CPC

- G06Q 40/08: Insurance
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 30/04: Billing or invoicing
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- Y10S 707/99945: Object-oriented database structure processing
- Y10S 707/99948: Application of database or data structure, e.g. distributed, multimedia, or image
- 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
- Y10S: TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS

## Abstract

The present invention is embodied in an online-like transaction processing method and system for processing account information contained in batch process files, the method including: reading at least one batch file containing a plurality of records, each of the plurality of records being related to an associated one of a plurality of accounts; identifying which of the plurality of records relate to same ones of the plurality of accounts; identifying one of the accounts; and, processing all of the records identified as relating to the one of the accounts together and independent of processing any of the records relating to any other of the plurality of accounts.

## Claims

### Claim 1

A computer system for processing account information, comprising:
a memory device storing data indicative of a plurality of records, each of said plurality of records associated with one of a plurality of accounts, at least two of said records being associated with a first one of the accounts;
an input/output subsystem for controlling data transfer to and from the memory device; and
a processor in communication with the memory device and the input/output subsystem, the processor configured to:
access stored data indicative of the plurality of records from the memory device;
responsive to restriction of access to the first account, process each record associated with the first account; and
following the processing of each record associated with the first account, unrestricting of access to the first account.

### Claim 2 (depends on 1)

The computer system of claim 1, wherein the accounts are premium billing accounts for insurance policies.

### Claim 3 (depends on 2)

The computer system of claim 2, wherein at least one of the accounts relates to a plurality of insurance policies for a single insured.

### Claim 4 (depends on 3)

The computer system of claim 3, wherein one or more of the records relate to insured address data.

### Claim 5 (depends on 4)

The computer system of claim 4, wherein the step of processing comprises updating data associated with the first account and indicative of an address of the insured.

### Claim 6 (depends on 1)

The computer system of claim 1, wherein the first account relates to an insurance policy, and the processing comprises determining a total amount due for a policy term and a current amount due.

### Claim 7 (depends on 6)

The computer system of claim 6, wherein the policy is an automobile insurance policy, the policy term is one year, and the current amount due is for a monthly payment.

### Claim 8

A computer-implemented method for processing data related to accounts, comprising:
storing in a database server data indicative of a plurality of records, each of said plurality of records associated with one of a plurality of accounts, at least two of said records being associated with a common one of the accounts;
accessing by a processor in communication with the database server, via an input/output subsystem, stored data indicative of the plurality of records from the memory device; and
responsive to data indicative of restriction of access of the common account, and prior to unrestricting of access of the common account, processing by the processor each of the plurality of records associated with the common account.

### Claim 9 (depends on 8)

The computer-implemented method of claim 8, further comprising verifying that non-financial data fields of the records contain valid data, and matching premiums data with the non-financial data fields.

### Claim 10 (depends on 8)

The computer-implemented method of claim 8, wherein the common account is an automotive insurance policy account and further comprising, responsive to the processing of each record, generating a notice to an insured under the automotive insurance policy.

### Claim 11 (depends on 10)

The computer-implemented method of claim 10, wherein the notice is one of a notice that a payment is due and a notice of cancellation.

### Claim 12 (depends on 10)

The computer-implemented method of claim 10, wherein at least one of the records relates to contact information for the insured under the automotive insurance policy, and the processing relates to updating of the contact information.

### Claim 13 (depends on 10)

The computer-implemented method of claim 10, wherein, while access to the common account is restricted, access to common account functions by the insured is not available.

### Claim 14

A computer system for processing data related to insurance accounts, comprising:
a hardware database server storing data indicative of a plurality of records, each of the records being associated with one of the insurance accounts, and at least two of the records being related to a same one of the insurance accounts;
a processor having an associated input/output controller, in communication with the hardware database server, the processor configured to:
access stored data indicative of the plurality of records from the memory device;
responsive to restriction of access of the same one of the insurance accounts, process each of the plurality of records associated with the same one of the insurance accounts; and
responsive to completion of processing of each of the plurality of records associated with the same one of the insurance accounts; unrestrict access of the same one of the insurance accounts.

### Claim 15 (depends on 14)

The computer system of claim 14, further comprising a plurality of processors in communication with the hardware database server, each of the processors being configured for parallel processing of records, and to process each of the plurality of records associated with one of the insurance accounts prior to processing records associated with another one of the insurance accounts.

### Claim 16 (depends on 15)

The computer system of claim 15, wherein the system is configured to restrict access to a plurality of the insurance accounts being simultaneously processed by the plurality of processors, while permitting access to others of the insurance accounts.

### Claim 17 (depends on 14)

The computer system of claim 14, wherein the processor is further configured to, following processing of each of the plurality of records, furnish data relating to the same one of the insurance accounts to a system for managing collections procedures.

### Claim 18 (depends on 14)

The computer system of claim 14, wherein the processor is configured to, in processing the plurality of records, change information relating to the insurance accounts.

### Claim 19 (depends on 18)

The computer system of claim 18, wherein the processor is further configured to, responsive to changing information relating to the insurance accounts, generate communications reflecting the changed information.

### Claim 20 (depends on 14)

The computer system of claim 14, further comprising a plurality of hardware file servers and processors configured in a clustering arrangement.