Method for accessing and evaluating information for processing an application for insurance

Patent 5809478 Issued on September 15, 1998. Estimated Expiration Date:

December 8, 2015. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.

Abstract Claims Description Full Text

Patent References

Method and apparatus for evaluating a potentially insurable risk
Patent #: 4975840
Issued on: 12/04/1990
Inventor: DeTore, et al.

Lender direct credit evaluation and loan processing system Patent #: 5611052
Issued on: 03/11/1997
Inventor: Dykstra, et al.

Inventors

Assignee

Allstate Insurance Company

Application

No. 569615 filed on 12/08/1995

US Classes:

705/4, Insurance (e.g., computer implemented system or method for writing insurance policy, processing insurance claim, etc.)706/925, Business709/200, MISCELLANEOUS709/201, DISTRIBUTED DATA PROCESSING709/217REMOTE DATA ACCESSING

Examiners

Primary: Hayes, Gail O.
Assistant: Hughet, William N.

Attorney, Agent or Firm

Finnegan, Henderson, Farabow, Garrett & Dunner, L.L.P.

International Classes

G06F 017/60
G06F 017/40

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.

Other References

Denison Hatch, "The Assisted Suicide of Database Marketing", Target Marketing, v 16, n 10, pp. 8-9, Oct. 1993
"Prism Solutions Automates Data Warehouse Development for the Client Server Environment", Prism Solutions, Inc., May 4, 199