Computer system for interactions with a user device and third party computers

Patent metadata

Field	Value
Publication number	US-9311677-B2
Application number	US-201414332062-A
Country	US
Kind code	B2
Filing date	Jul 15, 2014
Priority date	Aug 10, 2011
Publication date	Apr 12, 2016
Grant date	Apr 12, 2016

Abstract

Described are computer systems for interactions with a user device and third party computers. In an embodiment, a computer system for determining and displaying total loss calculations includes accessing third party computer systems for a plurality of data items. The computer system may include data storage devices, computer processors, a communications device, and a memory coupled to the computer processors. The memory may store program instructions which are operative with the computer processors to provide to a user device for display a total loss calculator graphical interface, receive inputs from the user device, request data from third party computers based on the received inputs, determine whether the data needed to perform a total loss calculation has been received, and perform a total loss calculation based on the requested data from the third party computer and the user inputs received from the graphical interface provided to the user device.

First claim

What is claimed is:

1. A system for generating a calculator interface including displays for conducting comprehensive integrated calculations including accessing third party computer systems for a plurality of data items, comprising:
a calculator interface server computer configured to:
provide, by a communications device via a data network to a user device, a total loss calculator graphical interface including an enabled claim identification input field a validation button selectable to cause validation of the claim identification input, a disabled state selection input field, and a disabled state guidelines viewer;
responsive to receipt, from the user device via the data network by the communications device, of the claim identification input and selection of the validation button, validate the claim identification input for a claim corresponding to a vehicle that has been totaled;
responsive to positive validation of the claim identification input, enable, by the communications device via the data network to the user device, the state selection input field for the total loss calculator graphical interface and disable the claim identification input field;
responsive to receipt of the state selection input:
enable, by the communications device via the data network to the user device, the state guidelines viewer for the total loss calculator graphical interface, said state guidelines viewer corresponding to the state selection input and including selectable state specific information for viewing; and
request, by the communications device via the data network from a state jurisdictional computer, state jurisdictional data and state cost data for the totaled vehicle;

provide by the communications device via the data network to the user device, a calculate button on the total loss calculator graphical interface, said calculate button being selectable to cause calculation of a total loss amount based on the state jurisdictional data, the state cost data, and data entered by the user in the total loss calculator graphical interface;
responsive to receipt of selection of the calculate button, determine whether all required data to calculate the total loss amount has been received;
responsive to a positive determination that all of the required data to calculate the total loss amount has been received:
calculate a net total amount for the totaled vehicle including a first net total amount in a case where an insuring entity obtains the vehicle and a second net total amount in a case where an owner retains the vehicle, the first and second net total amounts calculated based on application of a plurality of fee rules associated with the state jurisdictional data, the state cost data, and said state selection input; and
provide by the communications device via the data network to the user device, a display on a first portion of the total loss calculator graphical interface of the first net total amount corresponding to the case where the insuring entity obtains the vehicle and a display on a second portion of the total loss calculator graphical interface of the second net total amount corresponding to the case where the owner retains the vehicle.

2. The computer system of claim 1 , wherein the calculator interface server computer is further configured to, responsive to a negative determination that all of the required data to calculate the total loss amount has been received, provide a display on the total loss calculator graphical interface indicating the additional data needed.

3. The computer system of claim 1 , wherein the calculator interface server computer being configured to request state cost data comprises the memory storing instructions operative with the one or more computer processors to:
transmit, by the communications device via the data network, the state selection input and a request for the state cost data to a third party state cost computer of a third party source of cost data; and
receive, by the communications device via the data network from the third party state cost computer, the state cost data.

4. The computer system of claim 1 , wherein the calculator interface server computer being configured to request state jurisdictional data comprises the memory storing instructions operative with the one or more computer processors to:
transmit, by the communications device via the data network, the state selection input and a request for the state jurisdictional data to a third party jurisdictional computer of a third party source of jurisdictional data; and
receive, by the communications device via the data network from the third party jurisdictional computer, the state jurisdictional data.

5. The computer system of claim 1 , wherein the calculator interface server computer is further configured to:
transmit, by the communications device via the data network, a request for vehicle value data for the vehicle that has been totaled to a third party vehicle value computer of a third party source of vehicle value data; and
receive, by the communications device via the data network from the third party vehicle value computer, the vehicle value data for the vehicle that has been totaled;
wherein the first and second net total amounts are further based on the received vehicle value data for the vehicle that has been totaled.

6. The computer system of claim 1 , wherein the calculator interface server computer is further configured to:
responsive to a positive determination that all of the required data to calculated the total loss amount has been received, transmit, by the communications device via the data network, the state selection input to a vehicle rental computer for determination of one or both of an estimate of a number of days and a price that the insuring entity will pay for rental of a rental vehicle by the owner of the totaled vehicle.

7. The computer system of claim 1 , further comprising one or more data storage devices storing user data including first user type identifiers and passwords and second user type identifiers and passwords, and wherein the calculator interface server computer is further configured to, prior to providing to the user device for display the total loss calculator graphical interface:
receive, by the communications device, a user identifier and password;
determine whether the received user identifier and password correspond to one of a first user type identifier and password and a second user type identifier and password stored in the one or more data storage devices;
responsive to a determination that the user identifier and the password correspond to a first user type identifier and password, output to the user device data for display the total loss calculator graphical interface; and
responsive to a determination that the user identifier and the password correspond to a second user type identifier and password, output to the user device a display of selectable maintenance menus on the total loss calculator graphical interface.

8. The computer system of claim 7 , wherein the calculator interface server computer is further configured to:
responsive to receipt of a selection of one of the maintenance menus from the user device:
output, by the communications device to the user device, a display of the selected maintenance menu; and
update the total loss calculator graphical interface based on input to the selected maintenance menu and capture at least one of a date of input entry, a time of input entry, and an identity of the user of the second user type.

9. The computer system of claim 8 , wherein the calculator interface server computer being configured to provide, to the user device, the display of the selected maintenance menu comprises the calculator interface serve

Assignees

• Hartford Fire Insurance Comp

Inventors

• Thomas Hal S
• Patel Kamal D
• Pelaez Andres
• Sprague Deborah D
• Varner Jason T

Classifications

• G06Q10/10

  Office automation; Time management · CPC title

• G06Q40/08 Primary

  Insurance · CPC title