US A1 (19) United States (12) Patent Application Publication (10) Pub. No.: US 2012/ A1 Lee (43) Pub. Date: Mar.

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1 US A1 (19) United States (12) Patent Application Publication (1) Pub. o.: US 212/664 A1 Lee (43) Pub. Date: Mar. 15, 212 (54) (76) (21) (22) (6) METHOD AD SYSTEM FOR PERSOAL ISURACE COMPARISO AD ADVICE Inventor: Appl. o.: 13/194,955 Filed: Jul. 31, 211 Chang Young Lee, Oakland Gardens, Y (US) Related US. Application Data Provisional application o. 61/381,418,?led on Sep. 9, 21. Publication Classi?cation (51) Int. Cl. G6Q 4/ (26.1) (52) US. Cl /4 (57) ABSTRACT Personally unidenti?able information ( PUI ) is received from a user at a computer device. One or more records from a database of records that match some or all of the received PUI is determined by the computing device. Insurance advice is provided to the user based on the determined one or more records by the computing device. etwork 12 Database 115 Computer 15 Agent 13 Advertiser 14

2 Patent Application Publication Mar. 15, 212 Sheet 1 f 18 US 212/664 A1 Database etwork Computer 15 Agent 13 Adv1e4rgser FIG. 1

3 Patent Application Publication Mar. 15, 212 Sheet 2 f 18 US 212/664 A1 21\ User Input 22'\ v Server System 23\ v 26\ v 21\ " Comparison Hyperlink Data Collection 24\ v 27\ v 211\ v _ Search _ Validate Analysis Agent/Admm Insurance Request Premium 25\ v 28\ v 212\ " Insert Validate Select Advices Website User Address Address 29\ v 213\, Display Comparison Results and Advices Store User's Data FIG. 2

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9 Patent Application Publication Mar. 15, 212 Sheet 8 f 18 US 212/664 A1 FIG 61A Auto Determining User's Level V Motorcycle A. User has the Lowest Premium? A. User has the Lowest Premium? - If ot, User has the Same Company - If ot, User has the Same Company as the Company Providing the Lowest as the Company Providing the Lowes Premium? Premium? B. User has Lower Coverage Than the B. User has Lower Coverage Than the Most Popular Coverage? Most Popular Coverage? \ C. User Policy Lists Both Old Driverand C. User Policy Lists Both Old Driver andj Young Driver? D. User has ew Auto? E. umber of Listed Driver is Less than umber of Auto? F. Etc. Young Driver? D. User has ew Motorcycle? E. umber of Listed Driver is Less than umber otmotorcyole? F. Etc C Home A. User has the Lowest Premium? - If ot, User has the Same Company as the Company Providing the Lowest Premium? B. User has Higher Deductible Than the Most Popular Deductible? C. User's Dwelling Coverage Per Size Living Space is Higher Than the Average Dwelling Coverage Per Size of Living Space? D. User's Home was Built Less Than 5 Years E. Etc. V Combination of Yes and o CondolCo-OplRenter A. User has the Lowest Premium? - If ot, User has the Same Company as the Company Providing the Lowes Premium? B. User has Higher Deductible Than the Most Popular Deductible? C. User's Personal Property Coverage i Less Than the Most Popular Persona Property Coverage? D. Etc. : Possible umber of Combinations is tliumbel of Questlons) V Choose Appropriate Advice Based on the Combination of Each Answer (Yes or o) _ 61D 62 63

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11 Patent Application Publication Mar. 15, 212 Sheet 1 f 18 US 212/664 A1 User 81\ v Input User lnformatior 82 Premium Within Acceptance Range? Yes Administrator Overrides? " Delete 85 Users Listed i8 in Bad Yes Recorded List? v Delete 88 Undelivered/ Deliver O POG or Ping Emai Server? y Delivered Delete POG, (81 Store User Information into Server System FIG. 8

12 Patent Application Publication Mar. 15, 212 Sheet 11 f 18 US 212/664 A1 SEE QHMQLO 3< PC m.qe Ewms 2: n:

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16 Patent Application Publication Mar. 15, 212 Sheet 15 f 18 US 212/664 A1 éaeoo A 2% E E 85% $2 32\ >5 g?qeoo >29 $ :9 Q52 8:2; 22:55 zmzgmiézm 2525 E : g _Q _ _g _ Tea >228? EEE 3% 53? % E _ g 25% no; E: : cozogbmm

17 Patent Application Publication Mar. 15, 212 Sheet 16 f 18 US 212/664 A1 EEG E2895 wm 6>< QCQQEQO >EOV EoEwwEo>u< % 85 E: 3..OE 5.6mm moi 3 53 \ Q96. g E F g E E m

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19 Patent Application Publication Mar. 15, 212 Sheet 18 f 18 US 212/664 A1 l l l I I : Volatile I I I I I I System Memory / Processing Unit 162 Removable Storage 168 on-removable Storage 161 Output Device(s) 1616 Input Device(s) on-volatile 1614 Communication Connection(s) 1612 FIG. 16

20 US 212/664 A1 Mar. 15, 212 METHOD AD SYSTEM FOR PERSOAL ISURACE COMPARISO AD ADVICE CROSS-REFERECE TO RELATED APPLICATIOS [1] This application claims priority to provisional appli cation o. 61/381,418?led Sep. 9, 21. The contents of which are hereby incorporated by reference in their entirely. BACKGROUD [2] With recent advancements in computer networks like the internet, a user or a customer can get insurance quotations and can purchase insurance products online. How ever, while convenient, a user is generally required to provide personal information including security sensitive information to receive even a quotation. The disclosure of such personal information may make the user at risk of identity theft. SUMMARY [3] In an implementation, personally unidenti?able information ( PUI ) is received from a user at a computer device. One or more records from a database of records that match some or all of the received PUI is determined by the computing device. Insurance advice is provided to the user based on the determined one or more records by the comput ing device. [4] Implementations may include some or all of the following features. Some or all of the PUI may be validated, and if validated, the PUI may be stored as a record in the database. The PUI may include a current insurance premium and an address, and validating some or all of the PUI may include determining that the current insurance premium is within an acceptable premium range and that the address is a valid address. The PUI may include a Zip code and a current insurance premium paid by the user, and determining one or more records that match some or all of the received PUI may include determining one or more records that have a same Zip code as the PUI. A highest premium paid by users, a lowest premium paid by users, and an average premium paid by users may be calculated using the deter mined one or more records that have a same Zip code as the PUI, and the insurance advice based on the calculated highest premium paid by users, lowest premium paid by users, and average premium paid by users may be provided. The advice may be whether the current insurance premium paid by the user is higher or lower than the average premium paid by users. An insurance agent who purchased a redirection credit with respect to the Zip code of the PUI may be determined, and a redirection link may be included in the advice to a website associated with the determined insurance agent where the user can purchase insurance. An indication that the user selected the redirection link may be received, and a redirection link balance associated with the agent may be debited upon receiving the indication. Whether a redirection link balance for an agent has fallen below a threshold may be determined, and the agent may be contacted to purchase additional redirection links if it is determined that a redirec tion link balance for an agent has fallen below a threshold. The insurance may be automotive insurance. The insurance may be one of homeowner s insurance, motorcycle insurance, condo insurance, co-op insurance, or renter s insurance. [5] In an implementation, a request to purchase a num ber of redirection credits from an insurance agent is received at a computing device. The request includes a Zip code, an identi?er of an insurance company and a type of insurance. A website address corresponding to the redirection request is received by the computing device. The website address is stored with the number of redirection credits by the comput ing device. A request for insurance advice for the type of insurance and the Zip code is received by the computing device. Insurance advice is generated based on the received request by the insurance company. The advice includes an insurance product from the identi?ed insurance company. The received website address is included in the generated advice by the computing device. [6] Implementations may include some or all of the following features. The generated advice is provided to a user. That the user selected the received website address is deter mined, and the number of redirection credits is debited. That the number of redirection credits is below a threshold is determined, and the insurance agent is contacted based on the determination. The type of insurance is automobile insur ance. The type of insurance is one of homeowner s insurance, motorcycle insurance, condo insurance, co-op insurance, or renter s insurance. Whether the requested redirection credits are available is determined. The advice is whether a current insurance premium paid by the user is higher or lower than the average premium paid by other users. [7] This summary is provided to introduce a selection of concepts in a simpli?ed form that are further described below in the detailed description. This summary is not intended to identify key or essential features of the claimed subject mat ter, nor is it intended to be used to limit the scope of the claimed subject matter. BRIEF DESCRIPTIO OF THE DRAWIGS [8] The foregoing summary, as well as the following detailed description of illustrative embodiments, is better understood when read in conjunction with the appended drawings. For the purpose of illustrating the embodiments, there are shown in the drawings example constructions of the embodiments; however, the embodiments are not limited to the speci?c methods and instrumentalities disclosed. In the drawings: [9] FIG. 1 is an illustration of an exemplary environ ment for providing and/ or receiving insurance quotes; [1] FIG. 2 is a?owchart showing an example of an insurance quote generation and retrieval method; [11] FIGS. 3A-3C are illustrations of PUI and PII for various types of insurance types; [12] FIG. 4 is an example input screen via which a user may provide PUI to a server 11 to receive one or more auto insurance premiums for comparison; [13] FIG. 5 is an example display screen that may be generated by the system 11 using the information provided by the user interface described in FIG. 4; [14] FIG. 6 is an illustration of a method for determining a tier or level for a user; [15] FIG. 7 illustrates a website displayed as a result of a redirection caused by a user selecting one or more displayed results or advices from the matched results frame screen 54 and/or the insurance advice frame screen 53; [16] FIG. 8 is a?ow diagram of a method for collecting of insurance data from general user s input; [17] FIG. 9 is an example display screen showing a login web page that may be used by an insurance agent 13 or an advertiser 14;

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