公开(公告)号：US20070260494A1

公开(公告)日：2007-11-08

申请号：US11767541

申请日：2007-06-25

申请人： Masaki Ogawa ,  Takeo Kono ,  Hiroyuki Shimada ,  Yoshiyuki Nakai ,  Muneaki Machida

发明人： Masaki Ogawa ,  Takeo Kono ,  Hiroyuki Shimada ,  Yoshiyuki Nakai ,  Muneaki Machida

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q50/22

摘要： A method and system for providing a user with insurance premium estimates from insurance providers for an insurance product. Insurance providers for the insurance product are selected by the user. Conditions input indicating conditions effecting the insurance premiums are transmitted from the user's computer to a service computer. The service computer converts the conditions input into a standard format suitable to a common interface and sends the converted conditions input to the user's computer. The converted conditions input is sent from the user's computer to the selected insurance providers without passing through or interacting with the service computer while being sent from the user's computer to the selected insurance providers. The insurance premium estimates from the selected insurance providers are received by the user's computer and displayed on a display unit of the user's computer in accordance with the conditions input and the selected insurance providers.

摘要翻译： 一种向保险商提供保险产品的保险费估算的方法和系统。 保险产品的保险提供者由用户选择。 条件输入表示影响保险费的条件从用户的计算机传输到服务计算机。 服务计算机将输入的条件转换成适合于公共接口的标准格式，并将输入的转换条件发送到用户的计算机。 输入的转换条件从用户的计算机发送到选定的保险提供商，而不经过服务计算机或从用户的计算机发送到选定的保险提供商时与用户计算机进行交互。 所选保险人的保险费估计由用户的计算机接收，并根据输入的条件和选定的保险提供者显示在用户计算机的显示单元上。

公开(公告)号：US07343309B2

公开(公告)日：2008-03-11

申请号：US09795824

申请日：2001-02-28

申请人： Masaki Ogawa ,  Takeo Kono ,  Hiroyuki Shimada ,  Yoshiyuki Nakai ,  Muneaki Machida

发明人： Masaki Ogawa ,  Takeo Kono ,  Hiroyuki Shimada ,  Yoshiyuki Nakai ,  Muneaki Machida

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q50/22

摘要： A system and method for permitting a consumer to compare premium estimates form a plurality of insurance providers based on inputting conditions which affect the premium calculation a single time to a network such as the Internet. A user initiates a session by connecting his computer to an insurance comparison website provided by a service underwriter. The user inputs various conditions which might affect the premium for a desired insurance product. The user inputs condition data to condition input screen and sends the condition data to the service underwriter. The service underwriter converts the condition data into a form suitable for a standard interface and sends the formatted data to computers of one or more participating and user selected insurance companies or underwriters. A premium calculation engine at the computer for each insurance company calculates an estimated premium. This, and other pertinent insurance policy data, is displayed to the user.

摘要翻译： 一种允许消费者基于输入对诸如因特网这样的网络单次进行溢价计算的条件的输入条件，允许消费者将保费估计值与多个保险提供者进行比较的系统和方法。 用户通过将他的计算机连接到由服务承销商提供的保险比较网站来启动会话。 用户输入可能影响所需保险产品的溢价的各种条件。 用户输入条件数据来条件输入屏幕，并将条件数据发送到服务承销商。 服务承销商将条件数据转换成适合标准接口的形式，并将格式化的数据发送到一个或多个参与和用户选择的保险公司或承销商的计算机。 每台保险公司的计算机上的溢价计算引擎计算出估计溢价。 这和其他有关的保险单数据显示给用户。