公开(公告)号：US20150310546A1

公开(公告)日：2015-10-29

申请号：US14261648

申请日：2014-04-25

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Leif A. Roll ,  Jun Wu

IPC: G06Q40/02 ,  G06Q30/02

CPC classification number: G06Q40/025 ,  G06Q30/0222 ,  G06Q40/08

Abstract: Providing a discount for an interest rate on a loan in connection with the purchase of an insurance product. The insurance product may protect property purchased by the loan from loss. The loan applicant may be a new customer of the provider of the insurance product and the interest rate discount is an incentive for the customer to purchase a loan product.

Abstract translation: 提供与购买保险产品有关的贷款利率的折扣。 保险产品可以保护贷款购买的物品免于损失。 贷款申请人可能是保险产品提供商的新客户，利率折扣是客户购买贷款产品的动力。

公开(公告)号：US20140012607A1

公开(公告)日：2014-01-09

申请号：US14026949

申请日：2013-09-13

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Leif A. Roll ,  Jun WU ,  John F. Johnson ,  Kimberly D. Leigh

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: A computer-based method for automatically providing a loan offer to a customer may include: receiving an indication of a total loss event for the customer's property, collecting prequalification data for the customer from a data source comprising customer-specific data, collecting credit data associated with the customer's credit, determining whether to prequalify the customer for a property replacement loan based at least on (a) the collected prequalification data for the customer and (b) the collected credit data associated with the customer's credit, and in response to a determination to prequalify the customer for a property replacement loan, communicating to the customer an offer for the property replacement loan.

Abstract translation: 用于自动向客户提供贷款提供的基于计算机的方法可以包括：接收用于客户财产的总损失事件的指示，从包括客户特定数据的数据源收集客户的资格预审数据，收集相关联的信用数据 根据客户的信用，至少基于（a）客户收集的资格预审数据，确定是否对客户进行物业置换贷款资格预审;（b）与客户信用相关的收集的信用数据，以及响应确定 为客户提供物业置换贷款资格预告，向客户传达物业更换贷款的报价。

公开(公告)号：US08788406B2

公开(公告)日：2014-07-22

申请号：US14026949

申请日：2013-09-13

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Leif A. Roll ,  Jun Wu ,  John F. Johnson ,  Kimberly D. Leigh

IPC: G06Q40/00

CPC classification number: G06Q40/08

Abstract: A computer-based method for automatically providing a loan offer to a customer may include: receiving an indication of a total loss event for the customer's property, collecting prequalification data for the customer from a data source comprising customer-specific data, collecting credit data associated with the customer's credit, determining whether to prequalify the customer for a property replacement loan based at least on (a) the collected prequalification data for the customer and (b) the collected credit data associated with the customer's credit, and in response to a determination to prequalify the customer for a property replacement loan, communicating to the customer an offer for the property replacement loan.

Abstract translation: 用于自动向客户提供贷款提供的基于计算机的方法可以包括：接收客户财产的总损失事件的指示，从包括客户特定数据的数据源收集客户的资格预审数据，收集相关联的信用数据 根据客户的信用，至少基于（a）客户收集的资格预审数据，确定是否对客户进行物业置换贷款资格预审;（b）与客户信用相关的收集的信用数据，以及响应确定 为客户提供物业置换贷款资格预告，向客户传达物业更换贷款的报价。

公开(公告)号：US20150019265A1

公开(公告)日：2015-01-15

申请号：US14107621

申请日：2013-12-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Leif A. Roll ,  Vernon G. Brogla ,  Scott Hintz ,  Zupei Luo ,  Alan R. Hendren

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q40/06

Abstract: Methods and systems for bundling an insurance policy and an account of an investment vehicle include determining if the policy and/or the account is eligible for inclusion in a bundled product, generating an indication of the bundled product, and causing the indication to be transmitted to a user interface and/or computing device. The eligibility determination is based on a state or status of the policy and/or a state or status of the account, and optionally is based on characteristics and/or conditions associated with the policy and/or the account. A bundling benefit may be enacted. The bundling benefit may include, for example, a discount or waiver on a fee, charge or load of the investment account, and/or a discount or waiver of a premium of the insurance policy. The insurance policy may correspond to any type of insurance, and the investment account may correspond to any type of investment vehicle.

Abstract translation: 用于捆绑保险单和投资工具账户的方法和系统包括确定策略和/或账户是否有资格包含在捆绑产品中，生成捆绑产品的指示，并使该指示被发送到 用户界面和/或计算设备。 资格确定基于政策的状态或状态和/或帐户的状态或状态，并且可选地基于与策略和/或帐户相关联的特征和/或条件。 可以颁布捆绑利益。 捆绑利益可能包括例如对投资账户的费用，收费或负担的折扣或豁免，和/或保险单的保费的折扣或免除。 保险单可以对应于任何类型的保险，投资账户可以对应于任何类型的投资工具。

公开(公告)号：US20150019264A1

公开(公告)日：2015-01-15

申请号：US13941402

申请日：2013-07-12

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Leif A. Roll ,  Vernon G. Brogla ,  Scott Hintz ,  Zupei Luo ,  Alan R. Hendren

IPC: G06Q40/06

CPC classification number: G06Q40/08 ,  G06Q40/06

Abstract: Methods and systems for bundling an insurance policy and an account of an investment vehicle include determining if the policy and/or the account is eligible for inclusion in a bundled product, generating an indication of the bundled product, and causing the indication to be transmitted to a user interface and/or computing device. The eligibility determination is based on a state or status of the policy and/or a state or status of the account, and optionally is based on characteristics and/or conditions associated with the policy and/or the account. A bundling benefit may be enacted. The bundling benefit may include, for example, a discount or waiver on a fee, charge or load of the investment account, and/or a discount or waiver of a premium of the insurance policy. The insurance policy may correspond to any type of insurance, and the investment account may correspond to any type of investment vehicle.

Abstract translation: 用于捆绑保险单和投资工具账户的方法和系统包括确定策略和/或账户是否有资格包含在捆绑产品中，生成捆绑产品的指示，并使该指示被发送到 用户界面和/或计算设备。 资格确定基于政策的状态或状态和/或帐户的状态或状态，并且可选地基于与策略和/或帐户相关联的特征和/或条件。 可以颁布捆绑利益。 捆绑利益可能包括例如对投资账户的费用，收费或负担的折扣或豁免，和/或保险单的保费的折扣或免除。 保险单可以对应于任何类型的保险，投资账户可以对应于任何类型的投资工具。