Generation of an insurance quote based on another insurance quote

Patent metadata

Field	Value
Publication number	US-11798098-B2
Application number	US-202117509922-A
Country	US
Kind code	B2
Filing date	Oct 25, 2021
Priority date	Jul 22, 2014
Publication date	Oct 24, 2023
Grant date	Oct 24, 2023

Abstract

A computer-assisted method for generating one or more insurance quotes for a user is described herein. A computing device of an insurance provider may generate a first insurance quote for the user. The computing device may receive from a database information identifying contacts for the user. In response to determining that at least one of the contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. The computing device may generate a second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user. For example, the computing device may compare the insurance quote for the customer to the first insurance quote for the user. The first insurance quote may be adjusted to be within a predetermined amount of the insurance quote for the customer.

First claim

What is claimed is:

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

Assignees

• Allstate Insurance Co

Inventors

• Kullman Wayne J
• Brandmaier Jennifer
• Ismaili Alinawaz
• Loo William
• Ramirez Philip
• Song Grace
• Zulkifli Alfasha

Classifications

• G06Q40/08 Primary

  Insurance · CPC title