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1. 发明授权

US08543430B1 Systems and methods for providing customized marketing information 有权
标题翻译：提供定制营销信息的系统和方法
公开(公告)号：US08543430B1
公开(公告)日：2013-09-24
申请号：US13196075
申请日：2011-08-02
申请人： Mike Fields , Robert T. Trefzger , Ramakrishna Duvvuri , Tim G. Sanidas
发明人： Mike Fields , Robert T. Trefzger , Ramakrishna Duvvuri , Tim G. Sanidas
IPC分类号： G06Q40/00 , G06Q40/08
CPC分类号： G06Q40/08 , G06Q30/0201 , G06Q30/0206
摘要： Computer implemented systems and 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.
摘要翻译：计算机实现的系统和方法，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。

2. 发明授权

US08504393B2 Systems and methods for grid-based insurance rating 有权
标题翻译：基于网格的保险评级的系统和方法
公开(公告)号：US08504393B2
公开(公告)日：2013-08-06
申请号：US13226785
申请日：2011-09-07
申请人： Curt A. Stewart , Matthew T. Frank , Neale E. McCormick , Matthew W. Baughman , Ramakrishna Duvvuri
发明人： Curt A. Stewart , Matthew T. Frank , Neale E. McCormick , Matthew W. Baughman , Ramakrishna Duvvuri
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q30/0282
摘要： A method for rating insurance products using a programmed computer system comprising receiving a coordinate pair including a longitude and a latitude of a location; determining a target coordinate grid block bounded by latitude and longitude lines, wherein the target coordinate grid block encompasses the coordinate pair, querying a database for a target set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair, and calculating a pure premium based at least in part on analyzing the data in the target set.
摘要翻译：一种使用编程计算机系统评估保险产品的方法，包括接收包括位置的经度和纬度的坐标对; 确定由纬度和经度线限定的目标坐标网格块，其中所述目标坐标网格块包含所述坐标对，向数据库查询与所述目标坐标网格块相关联的现有数据的目标集合，其中所述现有数据与目标坐标网格块在接收坐标对之前，至少部分地基于分析目标集合中的数据来计算纯溢价。

3. 发明申请

US20120066005A1 SYSTEMS AND METHODS FOR GRID-BASED INSURANCE RATING 有权
标题翻译：基于网格保险评级的系统和方法
公开(公告)号：US20120066005A1
公开(公告)日：2012-03-15
申请号：US13226785
申请日：2011-09-07
申请人： Curt A. Stewart , Matthew T. Frank , Neale E. McCormick , Matthew W. Baughman , Ramakrishna Duvvuri
发明人： Curt A. Stewart , Matthew T. Frank , Neale E. McCormick , Matthew W. Baughman , Ramakrishna Duvvuri
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q30/0282
摘要： A method for rating insurance products using a programmed computer system comprising receiving a coordinate pair including a longitude and a latitude of a location; determining a target coordinate grid block bounded by latitude and longitude lines, wherein the target coordinate grid block encompasses the coordinate pair, querying a database for a target set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair, and calculating a pure premium based at least in part on analyzing the data in the target set.
摘要翻译：一种使用编程计算机系统评估保险产品的方法，包括接收包括位置的经度和纬度的坐标对; 确定由纬度和经度线限定的目标坐标网格块，其中所述目标坐标网格块包含所述坐标对，向数据库查询与所述目标坐标网格块相关联的现有数据的目标集合，其中所述现有数据与目标坐标网格块在接收坐标对之前，至少部分地基于分析目标集合中的数据来计算纯溢价。

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