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1. 发明授权

US11138669B1 Prioritization of insurance requotations 有权
公开(公告)号：US11138669B1
公开(公告)日：2021-10-05
申请号：US14327222
申请日：2014-07-09
申请人： Allstate Insurance Company
发明人： Alexander Doyle , Ryan Dunn , Cristina I. Gheorghe , Eric Huls , Michael A. LaVigne , David MacInnis , Christopher Joseph DeCleene
IPC分类号： G06Q40/08
摘要： A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.

2. 发明授权

US10572947B1 Adaptable property inspection model 有权
公开(公告)号：US10572947B1
公开(公告)日：2020-02-25
申请号：US14956580
申请日：2015-12-02
申请人： Allstate Insurance Company
发明人： James M. Berends , David MacInnis , Cassie E. Collins , Teresa J. Dalenta
IPC分类号： G06Q40/00 , G06Q40/08 , G06Q50/16
摘要： Computer executable instructions may be used to configure a special purpose computing device to perform a method for determining whether an unbound property insurance lead may be associated with a property for which a property inspection is not required. The computer executable instructions, when executed by a processor may cause the special purpose computing device to access a data repository storing a plurality of unbound property insurance leads, process each of the plurality of unbound property insurance leads using an adaptable inspection model to determine an insurability risk score for each of the unbound property insurance leads, compare each insurability risk score to a constraint, and communicate an indication of whether a property inspection is necessary for each of the plurality of unbound property insurance leads.

3. 发明授权

US08719134B1 Insurance rating plan 有权
标题翻译：保险评级计划
公开(公告)号：US08719134B1
公开(公告)日：2014-05-06
申请号：US13722044
申请日：2012-12-20
申请人： Allstate Insurance Company
发明人： Eric Huls , Carolyn Parker , David MacInnis , David Chudzicki , Pradraic Sheerin
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q30/0283
摘要： A first amount of insurance may be determined for a first set of at least one insured entities covered under a single insurance policy. Replacement cost factor data relating to the single insurance policy may be received from at least one source. Received replacement cost factor data may be used to determine a first replacement cost for the first set of at least one insured entities covered under the single insurance policy. A determination may be made that the first amount of insurance is greater than the first replacement cost. A first insurance premium may be calculated for the single insurance policy using at least the first amount of insurance and the first replacement cost. The calculated insurance premium may be less than a second insurance premium for a second set of at least one insured entities for which a second amount of insurance and a second replacement cost are both equal to the first amount of insurance.
摘要翻译：可以根据单一保险单覆盖的第一组至少一个被保险实体确定第一笔保险金额。可以从至少一个来源接收与单个保险单相关的替代成本因子数据。可以使用收到的重置成本因素数据来确定单一保险单所涵盖的至少一个被保险实体的第一组的第一重置成本。可以确定第一保险金额大于第一重置成本。可以使用至少第一笔保险金额和第一次重置费用，为单一保险单计算第一保险费。所计算的保险费可能低于第二组至少一个被保险实体的第二保险费，其中第二保险金额和第二重置成本都等于第一保险金额。

4. 发明授权

US10482536B1 Prioritization of insurance requotations 有权
公开(公告)号：US10482536B1
公开(公告)日：2019-11-19
申请号：US14327242
申请日：2014-07-09
申请人： Allstate Insurance Company
发明人： Alexander Doyle , Ryan Dunn , Cristina I. Gheorghe , Eric Huls , Michael A. Lavigne , David MacInnis , Christopher Joseph DeCleene
IPC分类号： G06Q40/08
摘要： A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.

5. 发明申请

US20180060969A1 System And Network For Tiered Optimization 审中-公开
公开(公告)号：US20180060969A1
公开(公告)日：2018-03-01
申请号：US15245343
申请日：2016-08-24
申请人： Allstate Insurance Company
发明人： David MacInnis , Jennifer Jabben , Teresa J. Dalenta
IPC分类号： G06Q40/08 , G06F17/30
CPC分类号： G06Q40/08 , G06F16/5866 , G06F16/9535
摘要： Methods, systems, and computer-readable media, and apparatuses for optimizing policy underwriting and insurance policy coverage are described herein. Insurance information related to a new homeowner insurance policy may be retrieved from one or more insurance system databases. The insurance information may comprise an insurance policy premium. An unrestrained rating plan premium may be determined based on a plurality of premium components. The plurality of premium components may comprise at least one multiplicative factor and at least one additive factor determined from the insurance information. An underwriting score may be determined based on the unrestrained rating plan premium and the insurance policy premium. In response to determining that the underwriting score fails to meet a predetermined underwriting score threshold, the new homeowner insurance policy may be rejected.

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