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    Computer Implemented Methods For Providing Customized Marketing Information
    5.
    发明申请
    Computer Implemented Methods For Providing Customized Marketing Information 审中-公开
    计算机实施方法提供定制市场信息

    公开(公告)号：US20130346117A1

    公开(公告)日：2013-12-26

    申请号：US14012586

    申请日：2013-08-28

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Mike Fields ,  Robert T. Trefzger ,  Ramakrishna Duvvuri ,  Tim G. Sanidas

    IPC: G06Q30/02 ,  G06Q40/08

    CPC classification number: G06Q40/08 ,  G06Q30/0201 ,  G06Q30/0206

    Abstract: Computer implemented methods for providing customized pricing information based on limited personal data comprising receiving non-identifying demographic information about a prospective customer; receiving non-identifying location information about the prospective customer; receiving non-identifying information about a property of the prospective customer; automatically identifying a comparable segment of existing customers based on the non-identifying demographic information, the non-identifying location information, and the non-identifying information about the property of the prospective customer; automatically determining representative pricing information based on prices paid by existing customers in the comparable segment of existing customers; and generating displayable content comprising the representative pricing information. The displayable content may further comprise comparable rating and products information.

    Abstract translation: 计算机实现的方法，用于基于有限的个人数据提供定制的定价信息，包括接收关于潜在客户的非识别人口统计信息; 接收有关潜在客户的非识别位置信息; 接收有关潜在客户的财产的非识别信息; 基于非识别人口统计信息，非识别位置信息和关于潜在客户的财产的非识别信息自动识别现有客户的可比较部分; 根据现有客户在现有客户的可比部分支付的价格自动确定代表性定价信息; 以及生成包括所述代表性定价信息的可显示内容。 可显示内容还可以包括可比较的评级和产品信息。

    Systems And Methods For Grid-Based Insurance Rating
    6.
    发明申请
    Systems And Methods For Grid-Based Insurance Rating 审中-公开
    基于网格的保险评级的系统与方法

    公开(公告)号：US20130325520A1

    公开(公告)日：2013-12-05

    申请号：US13959458

    申请日：2013-08-05

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Curt Stewart ,  Matthew T. Frank ,  Neale McCormick ,  Matt Baughman ,  Ramakrishna Duvvuri

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  G06Q30/0282

    Abstract: A computer-implemented method for providing an insurance rate associated with a particular location may include: storing insurance-related data associated with each of a plurality of geographic areas, determining a particular geographic area corresponding with the particular location, retrieving from storage insurance-related data associated with a subset of the geographic areas, calculating a credibility factor based on the quantity of the retrieved insurance-related data, determining that the credibility factor is below a target credibility threshold, and, in response to determining that the credibility factor is below the target credibility threshold, increasing the subset of geographic areas, retrieving from storage insurance-related data for the increased subset of geographic areas, calculating an updated credibility factor that meets or exceeds the target credibility threshold, calculating an insurance rate based at least on the retrieved insurance-related data associated with the increased subset of geographic areas, and communicating the calculated insurance rate to a user.

    Abstract translation: 用于提供与特定位置相关联的保险费率的计算机实现的方法可以包括：存储与多个地理区域中的每一个相关联的保险相关数据，确定与特定位置对应的特定地理区域，从存储保险相关 与地理区域的子集相关联的数据，基于所检索的保险相关数据的数量计算可信度因子，确定可信度因子低于目标可信度阈值，以及响应于确定可信度因子低于 目标可信度阈值，增加地理区域的子集，从用于增加的地理区域的子集的存储保险相关数据中获取，计算满足或超过目标可信度阈值的更新的可信度因子，至少基于 检索与之相关的保险相关数据 e增加地理区域的子集，并将计算的保险费率传达给用户。

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