Steven Michael Mills

US Patent:

7707049, Apr 27, 2010

Filed:

Oct 2, 2003

Appl. No.:

10/677763

Inventors:

Robert Jackson Van Cleave - San Antonio TX, US
James Steven Kuhn - Helotes TX, US
Karen Marie Moritz - Fair Oaks Ranch TX, US
Steven Carl Mills - San Antonio TX, US
Myron Leo Dye - San Antonio TX, US
Larry Wayne Clark - San Antonio TX, US
David Ray Pawelek - Pleasanton TX, US

Assignee:

United Services Automobile Association - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 4

Abstract:

The present invention provides a system and method capable of providing an estimated premium without extensive and repetitive questioning. The present invention utilizes unique assumptions to dramatically reduce the amount of information that must be provided by the customer. In one embodiment, the present invention utilizes a mainframe computer system, an application server, and an external rules management system to interact with the customer via an attractive graphic user interface. Once logged onto the website of the present invention, the customer may choose to engage in a fast quote process which utilizes assumptions, driver information, and vehicle information to assess the risk associated with insuring the customer and then calculates an estimated cost to insure.

US Patent:

8271304, Sep 18, 2012

Filed:

Mar 19, 2010

Appl. No.:

12/727874

Inventors:

Robert Jackson Van Cleave - San Antonio TX, US
James Steven Kuhn - Helotes TX, US
Karen Marie Moritz - Fair Oaks Ranch TX, US
Steven Carl Mills - San Antonio TX, US
Myron Leo Dye - San Antonio TX, US
Larry Wayne Clark - San Antonio TX, US
David Ray Pawelek - Pleasanton TX, US

Assignee:

United Services Automobile Association - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 4

Abstract:

The present invention provides a system and method capable of providing an estimated premium without extensive and repetitive questioning. The present invention utilizes unique assumptions to dramatically reduce the amount of information that must be provided by the customer. In one embodiment, the present invention utilizes a mainframe computer system, an application server, and an external rules management system to interact with the customer via an attractive graphic user interface. Once logged onto the website of the present invention, the customer may choose to engage in a fast quote process which utilizes assumptions, driver information, and vehicle information to assess the risk associated with insuring the customer and then calculates an estimated cost to insure.

US Patent:

8370178, Feb 5, 2013

Filed:

Oct 15, 2007

Appl. No.:

11/872465

Inventors:

Steven Carl Mills - San Antonio TX, US
Daniel A. Chavez - San Antonio TX, US
Tony Noriega - San Antonio TX, US
Sandra Lynn Sherman Sausman - Shavano Park TX, US

Assignee:

United Services Automobile Association (USAA) - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 4, 705 35

Abstract:

Insurance coverage on valuable personal property (“VPP”) can be marketed and/or serviced through an expert system that interacts with a user through a web site and web browser. VPP coverage tends to have many facets and complexities, and a system can be used to explain the various complexities and to guide said user through the process of selecting coverage, obtaining a quote, and purchasing said policy. The system can provide various forms of user education, such as graphical and/or text screens that explain features of coverage, can also provide said user with a linear process flow for those tasks that can be accomplished simply, and can involve a human representative for more complicated tasks.