US5809478A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method for accessing and evaluating information for processing an application for insurance
Assignee: Allstate Insurance Co
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Filing: 1995-12-08
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Granted: 1998-09-15
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Expires: 2015-12-08
Abstract
Abstract A method of controlling a computer network to render information needs and risk evaluative decisions includes the matching of profiles, defined by data characteristics and collective characteristics, to customer data. Multiple profiles are matched to arrive at a consensus decision, in addition to providing a rationale and summary analysis of the decision. Advice profiles provide advice, when matched, regarding customer data.
Inventors
- 👤 N. J. Greco
- 👤 E. M. White
- 👤 S. G. Fine
- 👤 G. R. Haught
- 👤 E. M. Pihl
- 👤 G. Bullock
- 👤 James M. Batman
- 👤 W. Gillespie
- 👤 D. Roland
- 👤 K. Babij
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-28 18:59
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/08; Y; Y10; Y10S; Y10S706/00; Y10S706/902; Y10S706/925
Claims Analysis
Total Claims: 19
Claim 1
Independent Claim
168 words
A method of controlling a computer network to assemble data and render decisions based on the data, the network including a main computer having a memory, and a data warehouse computer coupled to vendors of data, the method comprising the steps, performed by the main computer, of: receiving a request to process an application at the main computer; determining whether additional data is needed to process the application; invoking information interface processes to retrieve the needed additional data through the data warehouse computer the step of invoking including the substeps of receiving orders to retrieve additional data at the data warehouse computer: applying a series of vendor templates to the orders; formatting the orders according to the data vendors; sending formatted orders to the appropriate data vendors; receiving data from the data vendors in response to the formatted orders; matching the received data with the orders; and delivering the matched data to the main computer; and processing the application with the additional data received through the data warehouse.
Claim 2
Independent Claim
168 words
A method of controlling a computer network to assemble data and render decisions based on the data, the network including a main computer having a memory, and a data warehouse computer coupled to vendors of data, the method comprising the steps, performed by the main computer, of: receiving a request to process an application at the main computer; determining whether additional data is needed to process the application; invoking information interface processes to retrieve the needed additional data through the data warehouse computer the step of invoking including the substeps of receiving orders to retrieve additional data at the data warehouse computer: applying a series of vendor templates to the orders; formatting the orders according to the data vendors; sending formatted orders to the appropriate data vendors; receiving data from the data vendors in response to the formatted orders; matching the received data with the orders; and delivering the matched data to the main computer; and processing the application with the additional data received through the data warehouse.
Claim 3
Dependent Claim
28 words
The method of claim 1 further including the substep of: breaking down each order into constituent parts and identifying the data required for each of the constituent parts.
Claim 4
Dependent Claim
30 words
The method of claim 1 further including the steps of: archiving the application at the main computer; and corresponding the matched data at the main computer with the archived application.
Claim 5
Dependent Claim
27 words
The method of claim 1 further including the substeps of: storing the data received from the vendors; and verifying that all the requested data has been received.
Claim 6
Dependent Claim
31 words
The method of claim 1 further including the steps of: storing the formatted order in a historical file in the main computer; and updating the historical file with the received data.
Claim 7
Dependent Claim
23 words
The method of claim 5 further including the step of: checking the historical file for the requested data before invoking the information interfaces.
Claim 8
Dependent Claim
22 words
The method of claim 1 further including the steps of returning the order by the main computer to acquire the additional information.
Claim 9
Dependent Claim
16 words
The method of claim 1 further including the step of assigning each application a unique identifier.
Claim 10
Independent Claim
171 words
A method of controlling a computer network to assemble data and render decisions based on the data, the network including a main computer having a memory, and a data warehouse computer coupled to vendors of data, the method comprising the steps, performed by the main computer, of: receiving requests to process applications at the main computer; determining whether additional data is needed to process each of the applications; invoking information interface processes to retrieve the needed additional data for the applications through the data warehouse computer the step of invoking including the substeps of: receiving orders to retrieve additional data at the data warehouse computer; applying a series of vendor templates to the orders; formatting the orders according to the data vendors; sending formatted orders to the appropriate data vendors; receiving data from the data vendors in response to the formatted orders; matching the received data with the orders; and delivering the matched data to the main computer; and processing the applications with the additional data received through the data warehouse.
Claim 11
Independent Claim
171 words
A method of controlling a computer network to assemble data and render decisions based on the data, the network including a main computer having a memory, and a data warehouse computer coupled to vendors of data, the method comprising the steps, performed by the main computer, of: receiving requests to process applications at the main computer; determining whether additional data is needed to process each of the applications; invoking information interface processes to retrieve the needed additional data for the applications through the data warehouse computer the step of invoking including the substeps of: receiving orders to retrieve additional data at the data warehouse computer; applying a series of vendor templates to the orders; formatting the orders according to the data vendors; sending formatted orders to the appropriate data vendors; receiving data from the data vendors in response to the formatted orders; matching the received data with the orders; and delivering the matched data to the main computer; and processing the applications with the additional data received through the data warehouse.
Claim 12
Dependent Claim
32 words
The method of claim 9, wherein the step of invoking interface processes includes the substep of creating a plurality of orders for data; and merging the data orders into a single batch.
Claim 13
Dependent Claim
20 words
The method of claim 10, wherein the step of invoking interface processes further includes the substep of archiving the batch.
Claim 14
Dependent Claim
23 words
The method of claim 10 further including the steps of storing a record of the orders prior to merging them into a batch.
Claim 15
Independent Claim
231 words
A method of controlling a computer network to assemble data and render decisions based on the data for insurance policies, the network including a main computer having a memory, and at least data warehouse computer coupled to vendors of data, the method comprising the steps of: receiving a policy application at an agent terminal linked to an agency computer; creating a policy record at the agency computer for the policy application; assigning a unique identification number to the created policy record; transferring to the main computer a request to process the policy application corresponding to the policy record; determining, by the main computer, whether additional data is needed to process the policy application; invoking information interface processes by the main computer to retrieve the needed additional data through the data warehouse computer the step of invoking including the substeps of: receiving orders to retrieve additional data at the data warehouse computer; applying a series of vendor templates to the orders; formatting the orders according to the data vendors; sending formatted orders to the appropriate data vendors; receiving data from the data vendors in response to the formatted orders; matching the received data with the orders; and delivering the matched data to the main computer; processing the policy application, by the main computer, with the additional data received through the data warehouse; and transferring the processed policy application to the agency computer.
Claim 16
Independent Claim
231 words
A method of controlling a computer network to assemble data and render decisions based on the data for insurance policies, the network including a main computer having a memory, and at least data warehouse computer coupled to vendors of data, the method comprising the steps of: receiving a policy application at an agent terminal linked to an agency computer; creating a policy record at the agency computer for the policy application; assigning a unique identification number to the created policy record; transferring to the main computer a request to process the policy application corresponding to the policy record; determining, by the main computer, whether additional data is needed to process the policy application; invoking information interface processes by the main computer to retrieve the needed additional data through the data warehouse computer the step of invoking including the substeps of: receiving orders to retrieve additional data at the data warehouse computer; applying a series of vendor templates to the orders; formatting the orders according to the data vendors; sending formatted orders to the appropriate data vendors; receiving data from the data vendors in response to the formatted orders; matching the received data with the orders; and delivering the matched data to the main computer; processing the policy application, by the main computer, with the additional data received through the data warehouse; and transferring the processed policy application to the agency computer.
Claim 17
Dependent Claim
46 words
The method of claim 13 wherein the step of determining whether additional data is needed to process the policy application includes the substeps of building a case file case for the policy application; determining what information is needed to perform risk assessment for the policy application.
Claim 18
Dependent Claim
39 words
The method of claim 14 wherein the substep of determining what information is needed includes the substep of performing a series of pattern matchings using profiles of information needs, each profile including criteria to render a risk assessment decision.
Claim 19
Dependent Claim
17 words
The method of claim 14 further including the step of performing risk evaluation for the policy application.
References Cited (Backward Citations)
US4975840A
Cited
US5611052A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2001-09-14 | 2002-03-16 | 2002-09-15 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2005-09-14 | 2006-03-16 | 2006-09-15 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2009-09-14 | 2010-03-16 | 2010-09-15 | $7700.00 | Window Closed / Lapsed |