“Multi-Cluster Policy Consolidation System” in Patent Application Approval Process (USPTO 20220164890): Patent Application – InsuranceNewsNet

2022 JUN 09 (NewsRx) — By a News Reporter-Staff News Editor at Insurance Daily News — A patent utility by the inventors Bachtold, Mark (Fairbury, IL, US); Cottrell, Troy (Chenoa, IL, US); Figueroa, Isaac (Bloomington, IL, US); Harrison, Tyhad (Bloomington, IL, US); Musser, Byron (Chenoa, IL, US); Parker, Jay Thomas (Bloomington, IL, US); Polukonda, Hari (Bloomington, IL, US); Poppen, David (Gridley, IL, US); Stalter, Evan (Normal, IL, US); Supryn, Maximilian Thomas (Bloomington, IL, US); Wagner, Lynne (Normal, IL, US); Wenzel, Peter R. (Bloomington, IL, US), filed on November 18, 2021, was made accessible on-line on May 26, 2022, in keeping with information reporting originating from Washington, D.C., by NewsRx correspondents.

This patent utility has not been assigned to an organization or establishment.

The following quote was obtained by the information editors from the background info equipped by the inventors: “Individuals, corporations, and different entities usually maintain insurance coverage insurance policies with insurance coverage corporations. For instance, insurance coverage insurance policies can embrace vehicle insurance coverage insurance policies, fireplace insurance coverage insurance policies, and different varieties of insurance coverage insurance policies. Insurance corporations can use computer-implemented coverage administration methods to retailer details about insurance coverage insurance policies, create new insurance coverage insurance policies, change current insurance coverage insurance policies, and/or in any other case handle insurance coverage insurance policies.

“In some circumstances, a single entity could have a number of insurance coverage insurance policies of the identical kind with the identical insurance coverage firm. For instance, if a person owns a number of cars, the person could have a number of vehicle insurance coverage insurance policies that cowl completely different cars.

“However, it may be inefficient to individually handle a number of associated insurance coverage insurance policies for a similar insured occasion. For instance, a coverage administration system could must create, retailer, and handle separate digital information for every of the completely different insurance coverage insurance policies. Separately managing distinct information for associated insurance coverage insurance policies will be advanced, and/or use giant quantities of space for storing in databases. Additionally, in some examples, information for various associated insurance coverage insurance policies could also be saved in databases of various servers or server clusters. Accordingly, an occasion of the coverage administration system executing in a primary cluster could not be capable of entry information about associated insurance coverage insurance policies which can be saved in a second cluster.

“As one other instance, every associated insurance coverage coverage could have a unique coverage quantity. This can result in confusion and/or frustration for purchasers, and/or result in an inefficient use of sources for the insurance coverage firm. For instance, the insurance coverage firm could routinely ship letters, emails, or different notifications to insured events relating to their insurance coverage insurance policies. However, as a result of every associated insurance coverage coverage could have a unique coverage quantity and be thought of a unique insurance coverage coverage, the insurance coverage firm could ship a buyer quite a few copies of primarily the identical notification for every completely different insurance coverage coverage related to the shopper. For instance, if a person has two insured cars, the person could obtain two emails and/or two letters in the mail concerning the insurance coverage protection for every vehicle that explains the identical kind of regulatory discover, as a result of every vehicle is roofed below a unique vehicle insurance coverage coverage with a unique coverage quantity. It will be inefficient for the insurance coverage firm to ship quite a few communications with considerably duplicated info to the identical particular person in such circumstances. For instance, an electronic mail server related to the insurance coverage firm could use additional processing cycles, reminiscence, and bandwidth to generate and ship a number of electronic mail messages containing comparable content material to the identical particular person. It can be irritating or complicated for purchasers to obtain considerably duplicated communications which may be comparable or equivalent in content material, aside from the related coverage quantity.

“As one more instance, completely different associated insurance coverage insurance policies could have completely different phrases, and thus come up for renewal at completely different occasions. For occasion, if a person has two insurance coverage insurance policies that cowl two completely different cars, the time period of the primary insurance coverage coverage could finish in July whereas the time period of the second insurance coverage coverage could finish in September. Accordingly, the primary insurance coverage coverage could come up for renewal months earlier than the second insurance coverage coverage. This could also be complicated for the person, who could anticipate that each insurance coverage insurance policies would renew on the similar time. It can also be irritating or complicated for the person to obtain renewal notices for the primary insurance coverage coverage, after which obtain separate renewal notices for the second insurance coverage coverage a couple of months later.

“It can be inefficient and/or advanced for the insurance coverage firm to individually handle phrases and renewals for various insurance coverage insurance policies which can be associated to at least one one other. For instance, an electronic mail server related to the insurance coverage firm could use additional processing cycles, reminiscence, and bandwidth to generate and ship a number of renewal notices to the identical buyer by way of electronic mail in affiliation with associated insurance coverage insurance policies. As one other instance, the insurance coverage firm could use digital information to retailer info related to insurance coverage insurance policies. However, individually managing associated insurance coverage insurance policies could improve the quantity of pc reminiscence used to retailer corresponding digital information, and may improve the quantity of processing cycles and different computing sources used to handle and course of the digital information.

“The instance methods and strategies described herein could also be directed towards mitigating or overcoming a number of of the deficiencies described above.”

In addition to the background info obtained for this patent utility, NewsRx journalists additionally obtained the inventors’ abstract info for this patent utility: “Described herein are methods and strategies that may consolidate details about completely different insurance coverage insurance policies right into a mixed insurance coverage coverage. A coverage administration system can establish database information for associated insurance coverage insurance policies, similar to a primary vehicle insurance coverage coverage for a primary automobile and a second vehicle insurance coverage coverage for a second automobile owned by the identical occasion, and may consolidate the data right into a single database report that represents a consolidated insurance coverage coverage. For instance, the consolidated insurance coverage coverage can cowl each the primary automobile and the second automobile. Such consolidation can simplify administration of the insurance coverage insurance policies. For instance, the insurance coverage protection for each autos can renew on the similar time going ahead after the consolidation, which may result in extra environment friendly renewal of the insurance coverage insurance policies and/or cut back buyer confusion that will happen when associated insurance coverage insurance policies renew at completely different occasions. For occasion, consolidating a number of associated insurance coverage insurance policies can cut back bandwidth utilization by lowering the variety of electronic mail messages or different digital notifications which can be despatched over a community in affiliation with renewals of the insurance coverage insurance policies, and/or cut back the variety of processing cycles used to generate and ship such digital notifications. Additionally, consolidating details about a number of associated insurance coverage insurance policies right into a single database report can lower the scale of a database, and/or cut back the quantity of processor cycles and different computing sources which can be used to course of the digital information.

“According to a primary side, a coverage administration system can embrace a primary cluster having a primary database storing a primary set of insurance coverage coverage information. The coverage administration system may embrace a second cluster having a second database storing a second set of insurance coverage coverage information. The coverage administration system can additional embrace a coverage consolidator configured to establish, in the primary database or the second database, a primary report similar to a goal coverage consultant of a primary insurance coverage protection. The coverage consolidator can be configured to establish, in the primary database or the second database, a second report similar to a supply coverage consultant of a second insurance coverage protection. The coverage consolidator can moreover be configured to find out that the primary report is characterised by a set of attributes, and decide that the second report can also be characterised by the set of attributes. The coverage consolidator can additional be configured so as to add, based mostly on figuring out that the primary report and the second report are characterised by the set of attributes, a set of coverage information from the second report to the primary report. The including may cause the primary report to signify each the primary insurance coverage protection and the second insurance coverage protection, and may trigger renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report. The coverage consolidator can be configured to withdraw a pending future renewal of the supply coverage in affiliation with the second report.

“According to a second side, a computer-implemented technique can embrace assigning, by a coverage administration system, a set of information to a set of databases related to a set of clusters, whereby every report of the set of information corresponds to a respective insurance coverage coverage. A primary report, of the set of information, can signify a primary insurance coverage protection, and a second report, of the set of information, can signify a second insurance coverage protection. The technique can embrace figuring out, by the coverage administration system, that the primary report and the second report are characterised by a set of widespread attributes. The technique may embrace, including, by the coverage administration system, and based mostly on figuring out that the primary report and the second report are characterised by the set of widespread attributes, a set of coverage information from the second report to the primary report. The including may cause the primary report to signify each the primary insurance coverage protection and the second insurance coverage protection, and trigger renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report. The technique can additional embrace withdrawing, by the coverage administration system, a pending future renewal of the supply coverage in affiliation with the second report.

“According to a 3rd side, a number of computing units can embrace a number of processors and reminiscence storing computer-executable directions that, when executed by the a number of processors, trigger the a number of processors to carry out operations. The operations can embrace figuring out, in a set of databases related to a set of clusters that retailer completely different units of insurance coverage coverage information, a primary report similar to a goal coverage consultant of a primary insurance coverage protection. The operations may embrace figuring out, in the set of databases, a second report similar to a supply coverage consultant of a second insurance coverage protection. The operations may embrace figuring out that the primary report is characterised by a set of attributes, and that the second report can also be characterised by the set of attributes. The operations can additional embrace including, based mostly on figuring out that the primary report and the second report are characterised by the set of attributes, a set of coverage information from the second report to the primary report. The including may cause the primary report to signify each the primary insurance coverage protection and the second insurance coverage protection, and trigger renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report. The operations may embrace withdrawing a pending future renewal of the supply coverage in affiliation with the second report.”

The claims equipped by the inventors are:

“1. A coverage administration system, comprising: a primary cluster comprising a primary database storing a primary set of insurance coverage coverage information, a second cluster comprising a second database storing a second set of insurance coverage coverage information; and a coverage consolidator configured to carry out operations comprising: figuring out, in the primary database or the second database, a primary report similar to a goal coverage consultant of a primary insurance coverage protection; figuring out, in in the primary database or the second database, a second report similar to a supply coverage consultant of a second insurance coverage protection; figuring out that the primary report is characterised by a set of attributes; figuring out that the second report can also be characterised by the set of attributes; including, based mostly on figuring out that the primary report and the second report are characterised by the set of attributes, a set of coverage information from the second report to the primary report, whereby the including causes: the primary report to signify each the primary insurance coverage protection and the second insurance coverage protection, and renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report; and withdrawing a pending future renewal of the supply coverage in affiliation with the second report.

“2. The coverage administration system of declare 1, whereby the coverage consolidator: executes at a cross-cluster service outdoors the primary cluster and the second cluster, and has entry to the primary database of the primary cluster and the second database of the second cluster.

“3. The coverage administration system of declare 1, additional comprising a cluster project system configured to: obtain the second report throughout an import of the second report to the coverage administration system; decide a coverage consolidation key related to the second report; decide, based mostly on a cross-cluster coverage index, that the coverage consolidation key corresponds with a cluster identifier of the primary cluster based mostly on the primary report being saved in the primary database; and trigger the second report to be saved in the primary database of the primary cluster.

“4. The coverage administration system of declare 3, whereby the cluster project system is additional configured to: decide {that a} named insured occasion related to a 3rd report saved in the second database of the second cluster has been modified; decide a second coverage consolidation key related to the third report; decide, based mostly on the cross-cluster coverage index, that the second coverage consolidation key corresponds with the cluster identifier of the primary cluster; and trigger the third report to be migrated from the second cluster to the primary cluster.

“5. The coverage administration system of declare 1, whereby: the operations carried out by the coverage consolidator additional comprise detecting an prevalence of a set off occasion related to the supply coverage, and the coverage consolidator performs the figuring out, the figuring out, the including, and the withdrawing in response to detecting the prevalence of the set off occasion.

“6. The coverage administration system of declare 1, whereby the set of attributes features a shopper identifier.

“7. The coverage administration system of declare 6, whereby the set of attributes additional consists of a number of of: a named insured occasion, an insurance coverage firm, an insurance coverage agent, an tackle, a number of necessary coverages, automobile use info, a assured renewal standing, a time period size, a number of driver exclusions, and billing info.

“8. A pc-implemented technique, comprising: assigning, by a coverage administration system, a set of information to a set of databases related to a set of clusters, whereby: every report of the set of information corresponds to a respective insurance coverage coverage, a primary report of the set of information, represents a primary insurance coverage protection, and a second report of the set of information, represents a second insurance coverage protection; figuring out, by the coverage administration system, that the primary report and the second report are characterised by a set of widespread attributes; including, by the coverage administration system, and based mostly on figuring out that the primary report and the second report are characterised by the set of widespread attributes, a set of coverage information from the second report to the primary report, whereby the including causes: the primary report to signify each the primary insurance coverage protection and the second insurance coverage protection, and renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report; and withdrawing, by the coverage administration system, a pending future renewal of the second insurance coverage protection in affiliation with the second report.

“9. The computer-implemented technique of declare 8, whereby: the assigning of the set of information to the set of databases is carried out on a random foundation or based mostly on load balancing relative to fullness ranges of the set of databases related to the set of clusters, the assigning causes the primary report to be saved in a primary database of a primary cluster of the set of clusters, the assigning causes the second report to be saved in a second database of a second cluster of the set of clusters, the including causes the renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report and the primary cluster, and the withdrawing withdraws the pending future renewal of the second insurance coverage protection in affiliation with the second report and the second cluster.

“10. The computer-implemented technique of declare 8, additional comprising: receiving the second report throughout an import of the second report to the coverage administration system; figuring out a coverage consolidation key related to the second report; and figuring out, based mostly on a cross-cluster coverage index, that the coverage consolidation key corresponds with a cluster identifier of a primary cluster of the set of clusters, based mostly on the primary report being saved in a primary database of the primary cluster, whereby the assigning contains storing the second report in the primary database of the primary cluster based mostly on figuring out that the coverage consolidation key corresponds with the cluster identifier of the primary cluster.

“11. The computer-implemented technique of declare 10, additional comprising: figuring out {that a} named insured occasion related to a 3rd report saved in a second database of a second cluster has been modified; figuring out a second coverage consolidation key related to the third report; figuring out, based mostly on the cross-cluster coverage index, that the second coverage consolidation key corresponds with the cluster identifier of the primary cluster; and inflicting the third report to be migrated from the second cluster to the primary cluster.

“12. The computer-implemented technique of declare 8, whereby the figuring out is predicated on: figuring out that the primary report and the second report have a standard shopper identifier; and figuring out that the primary report and the second report each share a set of further attributes.

“13. The computer-implemented technique of declare 12, whereby the set of further attributes consists of a number of of: a named insured occasion, an insurance coverage firm, an insurance coverage agent, an tackle, a number of necessary coverages, automobile use info, a assured renewal standing, a time period size, a number of driver exclusions, and billing info.

“14. The computer-implemented technique of declare 8, whereby: the primary report has a certain standing in the coverage administration system, as a result of an initiation of a primary renewal course of related to the primary insurance coverage protection, and at a time at which the including happens, the second report doesn’t have the certain standing in the coverage administration system as a result of a second renewal course of for the pending future renewal not having begun.

“15. One or extra computing units, comprising: a number of processors; reminiscence storing computer-executable directions that, when executed by the a number of processors, trigger the a number of processors to carry out operations comprising: figuring out, in a set of databases related to a set of clusters that retailer completely different units of insurance coverage coverage information, a primary report similar to a goal coverage consultant of a primary insurance coverage protection; figuring out, in the set of databases, a second report similar to a supply coverage consultant of a second insurance coverage protection; figuring out that the primary report is characterised by a set of attributes; figuring out that the second report can also be characterised by the set of attributes; including, based mostly on figuring out that the primary report and the second report are characterised by the set of attributes, a set of coverage information from the second report to the primary report, whereby the including causes: the primary report to signify each the primary insurance coverage protection and the second insurance coverage protection, and renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report; and withdrawing a pending future renewal of the supply coverage in affiliation with the second report.

“16. The a number of computing units of declare 15, whereby: the primary report is saved in a primary database of a primary cluster of the set of clusters, the second report is saved in a second database of a second cluster of the set of clusters, the including causes the renewals of the primary insurance coverage protection and the second insurance coverage protection to happen in affiliation with the primary report and the primary cluster, and the withdrawing withdraws the pending future renewal of the supply coverage in affiliation with the second report and the second cluster.”

There are further claims. Please go to full patent to learn additional.

URL and extra info on this patent utility, see: Bachtold, Mark; Cottrell, Troy; Figueroa, Isaac; Harrison, Tyhad; Musser, Byron; Parker, Jay Thomas; Polukonda, Hari; Poppen, David; Stalter, Evan; Supryn, Maximilian Thomas; Wagner, Lynne; Wenzel, Peter R. Multi-Cluster Policy Consolidation System. Filed November 18, 2021 and posted May 26, 2022. Patent URL: https://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PG01&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.html&r=1&f=G&l=50&s1=%2220220164890%22.PGNR.&OS=DN/20220164890&RS=DN/20220164890

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