Patent Issued for Generation of an insurance quote based on another insurance quote (USPTO 11798098): Allstate Insurance Company

2023 NOV 09 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- Allstate Insurance Company (Northbrook, Illinois, United States) has been issued patent number 11798098, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Brandmaier, Jennifer (Chicago, IL, US), Ismaili, Alinawaz (Skokie, IL, US), Kullman, Wayne J. (Glenview, IL, US), Loo, William (Arlington Heights, IL, US), Ramirez, Philip (Arlington Heights, IL, US), Song, Grace (Glenview, IL, US), Zulkifli, Alfasha (Wonder Lake, IL, US).

This patent was filed on October 25, 2021 and was published online on October 24, 2023.

From the background information supplied by the inventors, news correspondents obtained the following quote: “People seeking insurance coverage (e.g., vehicle insurance, homeowner insurance, life insurance, commercial property insurance, etc.) may interact with insurance agents and/or insurance agencies over the phone, for example, to obtain an insurance quote. However, agents cannot present, for example, visual information to customers over the phone. People seeking insurance coverage may alternatively visit the insurance agent’s business location. However, in-person visits may be inconvenient for people seeking insurance. Furthermore, people seeking insurance coverage may learn the insurance coverage details, such as premium and deductible amounts, during conversations with friends and coworkers. These insurance coverage details may affect the person’s desire to obtain insurance from an insurance provider after receiving a quote.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “The following presents a simplified summary in order to provide a basic understanding of some aspects of the disclosure. The summary is not an extensive overview of the disclosure. It is neither intended to identify key or critical elements of the disclosure nor to delineate the scope of the disclosure. The following summary merely presents some concepts of the disclosure in a simplified form as a prelude to the description below.

“Aspects of the disclosure relate to systems, devices, computer-implemented methods, and computer-readable media for determining, such as by a computing device, a success rate for a presentation page included in a plurality of insurance presentations. Based on the success rate for the presentation page, a display of a recommendation for an insurance agent to include the presentation page in an insurance presentation for a customer may be generated. The display of the recommendation for the insurance agent to include the presentation page may comprise a display of the presentation page and a display of the success rate for the presentation page. A selection of an option to include the presentation page in the insurance presentation may be received from the insurance agent. The insurance presentation, including the presentation page, may be generated.

“In some aspects, the plurality of insurance presentations may comprise a plurality of insurance quotation presentations. The success rate may comprise a frequency that the plurality of insurance quotation presentations results in an acceptance of an insurance quotation. Alternatively, the success rate may comprise a frequency that insurance agents presenting the plurality of insurance presentations receive positive reviews from customers.

“An amount of time spent by insurance agents on the presentation page included in the plurality of insurance presentations may be determined. In these examples, generating the display of the recommendation for the insurance agent to include the presentation page in the insurance presentation may be based on the amount of time spent by insurance agents on the presentation page. Additionally or alternatively, a number of customers that interact with the presentation page during presentations of the plurality of insurance presentations may be determined. Generating the display of the recommendation for the insurance agent to include the presentation page in the insurance presentation may be based on the number of customers that interact with the presentation page.

“In some aspects, a question and answer pair may be provided on the presentation page, such as in response to a selection by the insurance agent of the question and answer pair. Furthermore, the plurality of insurance presentations may comprise a plurality of insurance quotation presentations. A frequency that the plurality of insurance quotation presentations including the question and answer pair result in an acceptance of an insurance quotation may be determined. Based on the frequency that the plurality of insurance quotation presentations including the question and answer pair result in an acceptance of an insurance quotation, a display of a recommendation for the insurance agent to include the question and answer pair on the presentation page may be generated.”

The claims supplied by the inventors are:

“1. A method comprising: determining, by a computing device, to include a first quotation presentation including a first quote of a first user in a second quotation presentation to a second user who is a contact of the first user to prompt favorable responses to the second quotation presentation, wherein the determining comprises: receiving data indicating that the first user has accepted the first quote; generating, by the computing device, a second quote for the second user, wherein the generating the second quote comprises: causing, on a display device, display of an option to adjust the second quote to be within an amount of the first quote for the first user; and in response to receiving a selection of the option to adjust the second quote, adjusting the second quote to be within the amount of the first quote for the first user; causing, by the computing device, on the display device, display of a recommendation to include the first quotation presentation in the second quotation presentation comprising the second quote; generating a media interactive quote session facilitating a live video chat during which the second quotation presentation is presented; initiating, by the computing device and based on real-time information provided by a user device of the second user, the media interactive quote session supported by one or more input/output devices of the user device of the second user; while the second quotation presentation is being presented during the media interactive quote session, determining that an amount of time spent on a particular page of the second quotation presentation exceeds a predetermined threshold, and determining a topic of the particular page of the second quotation presentation; in response to determining the topic of the particular page, determining one or more additional pages related to the topic of the particular page; and while the second quotation presentation is being presented during the media interactive quote session, causing display of at least one of the one or more additional pages.

“2. The method of claim 1, wherein determining to include a first quotation present further comprises: retrieving a page identifier assigned to a first presentation page of the first quotation presentation; retrieving a success rate counter indicating a success rate of the first presentation page assigned by the page identifier; incrementing, based on the data indicating that the first user has accepted the first quote, the success rate counter.

“3. The method of claim 2, further comprising: receiving, by the computing device, data indicating a user interaction with the first presentation page; and incrementing, by the computing device and based on the user interaction with the first presentation page, the success rate counter.

“4. The method of claim 2, further comprising: receiving, by the computing device, data indicating a satisfied user feedback for the first quotation presentation; and incrementing, by the computing device and based on the data indicating the satisfied user feedback, the success rate counter.

“5. The method of claim 2, further comprising: receiving, by the computing device, data indicating an amount of time that the first user has spent on a page of the first quotation presentation; and incrementing, by the computing device and based on the data indicating the amount of time that the first user has spent on the page of the first quotation presentation, the success rate counter.

“6. The method of claim 2, further comprising: receiving, by the computing device, data indicating that the second user has not accepted the second quote after viewing the second quotation presentation; and decrementing, by the computing device and based on the data indicating that the second user has not accepted the second quote, the success rate counter.

“7. The method of claim 2, wherein the page identifier is an alphanumeric code.

“8. The method of claim 2, wherein the page identifier is a title of the first presentation page.

“9. The method of claim 1, further comprising: retrieving, by the computing device, a quote identifier identifying the first quote; and sending, by the computing device, data indicating the quote identifier.

“10. A system comprising: a display device; and a computing device comprising: a processor; a memory device communicatively coupled to the processor, the memory device storing instructions that, when executed by the processor, cause the computing device to: determine to include a first quotation presentation including a first quote of a first user in a second quotation presentation to a second user who is a contact of the first user, wherein the determining comprises: receiving data indicating that the first user has accepted the first quote; generating, by the computing device, a second quote for the second user, wherein the generating the second quote comprises: causing, on the display device, display of an option to adjust the second quote to be within an amount of the first quote for the first user; and in response to receiving a selection of the option to adjust the second quote, adjusting the second quote to be within the amount of the first quote for the first user; causing, on the display device, display of a recommendation to include the first quotation presentation in the second quotation presentation comprising the second quote; generating a media interactive quote session facilitating a live video chat during which the second quotation presentation is presented; initiating based on real-time information provided by a user device of the second user, the media interactive quote session supported by one or more input/output devices of the user device of the second user; while the second quotation presentation is being presented during the media interactive quote session, determining that an amount of time spent on a particular page of the second quotation presentation exceeds a predetermined threshold, and determining a topic of the particular page of the second quotation presentation; in response to determining the topic of the particular page, determining one or more additional pages related to the topic of the particular page; and while the second quotation presentation is being presented during the media interactive quote session, causing display of at least one of the one or more additional pages.

“11. The system of claim 10, wherein the memory device further stores instructions that, when executed by the processor, cause the computing device to: retrieve a page identifier assigned to a first presentation page of the first quotation presentation; retrieving a success rate counter indicating a success rate of the first presentation page assigned by the page identifier; increment, based on the data indicating that the first user has accepted the first quote, the success rate counter.

“12. The system of claim 11, wherein the memory device further stores instructions that, when executed by the processor, cause the computing device to: receive data indicating that the second user has not accepted the second quote after viewing the second quotation presentation; and decrement, based on the data indicating that the second user has not accepted the second quote, the success rate counter.

“13. An apparatus, comprising: a processor; a memory communicatively coupled to the processor, the memory storing instructions that, when executed by the processor, cause the apparatus to include a first quotation presentation including a first quote of a first user in a second quotation presentation to a second user who is a contact of the first user, wherein the determining comprises: receiving data indicating that the first user has accepted the first quote; generating a second quote for the second user, wherein the generating the second quote comprises: causing, on a display device, display of an option to adjust the second quote to be within an amount of the first quote for the first user; and in response to receiving a selection of the option to adjust the second quote, adjusting the second quote to be within the amount of the first quote for the first user; causing, on the display device, display of a recommendation to include the first quotation presentation in the second quotation presentation comprising the second quote; generating a media interactive quote session facilitating a live video chat during which the second quotation presentation is presented; initiating, based on real-time information provided by a user device of the second user, the media interactive quote session supported by one or more input/output devices of the user device of the second user; while the second quotation presentation is being presented during the media interactive quote session, determining that an amount of time spent on a particular page of the second quotation presentation exceeds a predetermined threshold, and determining a topic of the particular page of the second quotation presentation; in response to determining the topic of the particular page, determining one or more additional pages related to the topic of the particular page; and while the second quotation presentation is being presented during the media interactive quote session, causing display of at least one of the one or more additional pages.

“14. The apparatus of claim 13, wherein the instructions, when executed by the processor further cause the apparatus to: retrieve a page identifier assigned to a first presentation page of the first quotation presentation; retrieve a success rate counter indicating a success rate of the first presentation page assigned by the page identifier; increment, based on the data indicating that the first user has accepted the first quote, the success rate counter.”

There are additional claims. Please visit full patent to read further.

For the URL and additional information on this patent, see: Brandmaier, Jennifer. Generation of an insurance quote based on another insurance quote. U.S. Patent Number 11798098, filed October 25, 2021, and published online on October 24, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11798098)&db=USPAT&type=ids

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