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：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。