Researchers Submit Patent Application, “Generation of an Insurance Quote Based on Another Insurance Quote”, for Approval (USPTO 20220044332): Allstate Insurance Company

2022 FEB 25 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Washington, D.C., NewsRx journalists report that a patent application by the inventors 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), filed on October 25, 2021, was made available online on February 10, 2022.

The patent’s assignee is Allstate Insurance Company (Northbrook, Illinois, United States).

News editors obtained the following quote from the background information supplied by the inventors: “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.”

As a supplement to the background information on this patent application, NewsRx correspondents also obtained the inventors’ summary information for this patent application: “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.

“A system may include an agent display device, a customer display device, a database configured to store information identifying success rates for presentation pages, and a computing device communicatively coupled to the database. The computing device may include a processor and a memory device communicatively coupled to the processor. The memory device may store instructions that, when executed by the processor, cause the computing device to retrieve, from the database, a success rate for a presentation page included in a plurality of insurance presentations. Based on the success rate for the presentation page, the computing device may send, via a network, an instruction for the agent display device to display a recommendation for an insurance agent to include the presentation page in an insurance presentation for a customer. 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. The computing device may receive an agent selection of an option to include the presentation page in the insurance presentation and generate the insurance presentation including the presentation page. An instruction for the agent display device to display the insurance presentation may be sent via the network, and an instruction for the customer display device to display the insurance presentation may also be sent.

“In some aspects, the plurality of insurance presentations may comprise a plurality of insurance quotation presentations, and 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.

“Aspects of the disclosure relate to systems, devices, computer-implemented methods, and computer-readable media for generating, such as by a computing device of an insurance provider, a first insurance quote for a user. The computing device may receive, from a database, information identifying a plurality of contacts for the user. In response to determining that at least one of the plurality of contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. A second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user may be generated.

“In some aspects, generating the second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user may comprise generating the second insurance quote by adjusting the first insurance quote to be within a predetermined amount of the insurance quote for the customer. Additionally or alternatively, generating the second insurance quote for the user may comprise in response to a determination that the first insurance quote for the user is less than the insurance quote for the customer, generating the second insurance quote for the user by maintaining an amount of the first insurance quote.

“The user may comprise a first user in some aspects. An insurance quote for a second user in a same demographic group as the first user may be accessed. Furthermore, generating the second insurance quote for the first user may comprise generating the second insurance quote for the user based on the insurance quote for the customer, the first insurance quote for the user, and the insurance quote for the second user.

“In some aspects, a previous insurance quote for the user may be accessed. Generating the second insurance quote for the user may comprise generating the second insurance quote for the user based on the insurance quote for the customer, the first insurance quote for the user, and the previous insurance quote for the user.

“A computing device may generate an insurance quotation presentation for the user, and the insurance quotation presentation may comprise a plurality of presentation pages. A first presentation page of the plurality of presentation pages may include the at least one of the first insurance quote for the user and/or the second insurance quote for the user. The first presentation page including the second insurance quote may be sent via a network to a display device of the user. The first presentation page including the second insurance quote may also be sent to a display device of an insurance agent. Alternatively, a second presentation page including the first insurance quote, the insurance quote for the customer, and an option to adjust the first insurance quote to be within a predetermined amount of the insurance quote for the customer may be sent to a display of the insurance agent. In response to receiving a selection of the option to adjust the first insurance quote, information identifying the second insurance quote may be sent via the network to the display device of the user to be displayed on the first presentation page.

“A system may include an agent display device, a database storing information identifying a plurality of contacts for a user, and a computing device of an insurance provider communicatively coupled to the database. The computing device may include a processor and a memory device communicatively coupled to the processor, the memory device storing instructions that, when executed by the processor, cause the computing device to generate a first insurance quote for a user. The information identifying a plurality of contacts for the user may be retrieved from the database. In response to determining that at least one of the plurality of contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. The insurance quote for the customer may be compared to the first insurance quote for the user. A second insurance quote for the user may be generated based on the comparison of the insurance quote for the customer to the first insurance quote for the user. At least one of the first insurance quote for the user and the second insurance quote for the user may be sent via a network for display on the agent display device.

“The memory device may further store instructions that, when executed by the processor, cause the computing device to generate an insurance quotation presentation for the user. The insurance quotation presentation may comprise a plurality of presentation pages, and a first presentation page of the plurality of presentation pages may include the second insurance quote for the user.”

There is additional summary information. Please visit full patent to read further.”

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 additional information on this patent application, see: Brandmaier, Jennifer; Ismaili, Alinawaz; Kullman, Wayne J.; Loo, William; Ramirez, Philip; Song, Grace; Zulkifli, Alfasha. Generation of an Insurance Quote Based on Another Insurance Quote. Filed October 25, 2021 and posted February 10, 2022. Patent URL: https://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PG01&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.html&r=1&f=G&l=50&s1=%2220220044332%22.PGNR.&OS=DN/20220044332&RS=DN/20220044332

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