The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 22, 2014
Filed:
Sep. 04, 2007
Michael Wayne Voigt, San Antonio, TX (US);
Gregory Brian Meyer, San Antonio, TX (US);
Alfredo Antonio Bachicha, San Antonio, TX (US);
Shana Rae Fraga, San Antonio, TX (US);
Robert John Dizinno, San Antonio, TX (US);
Rebecca Trujillo Castillo, San Antonio, TX (US);
Michael Wayne Voigt, San Antonio, TX (US);
Gregory Brian Meyer, San Antonio, TX (US);
Alfredo Antonio Bachicha, San Antonio, TX (US);
Shana Rae Fraga, San Antonio, TX (US);
Robert John Dizinno, San Antonio, TX (US);
Rebecca Trujillo Castillo, San Antonio, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
The present disclosure includes a method and system for detecting a change in circumstances of a customer and for proactively providing a response thereto, such as insurance quotes and/or coverage changes, to the customer and/or to one or more dependents of the customer. The customer may also initiate and accept an insurance quote for the dependent, and the dependent may initiate and accept an insurance quote on his/her own behalf. The insurance company may utilize data known to the company, or provided by an existing dependent of the customer, to communicate the response to the customer. The response may be communicated independently of a direct request from the dependents. Other dependents of the customer may also receive communications and provide authorization to change an existing policy. The response may also be communicated to a batch of customers meeting certain common criteria, independent of a direct customer request.