Patent
System and method for providing multiple real-time pricing quotes based on optional consumer variables
| العنوان: | System and method for providing multiple real-time pricing quotes based on optional consumer variables |
|---|---|
| Patent Number: | 8,185,417 |
| تاريخ النشر: | May 22, 2012 |
| Appl. No: | 12/838134 |
| Application Filed: | July 16, 2010 |
| مستخلص: | A method and system for providing multiple real-time pricing quotes based on optional consumer variables is disclosed. A user accesses a web site and is provided with a web page enabling the user to choose a product with multiple optional features. Upon selection of the product and desired features, the user is provided with pricing information for the selected products and features and provided with the option to modify the product be selecting different features. Upon selection of the modification, the user is provided with a web page simultaneously displaying the original selection and associated feature prices and the modification and associated feature prices. |
| Inventors: | Brown, Kathy Lynne (San Antonio, TX, US); Lay, Allen Bryant (San Antonio, TX, US); Baird, Lisa Ott (Helotes, TX, US) |
| Assignees: | United Services Automobile Association (USAA) (San Antonio, TX, US) |
| Claim: | 1. A method comprising: using one or more processors to perform the following: determining a first set of product features of a product a user currently owns; obtaining a first price for the product based on a first set of product features; receiving a selection of a second set of product features for the product the user currently owns; obtaining a second price for the product based on the second set of product features, the second set of product features including at least one different feature than the first set of product features; and displaying the first price for the product and the second price. |
| Claim: | 2. The method of claim 1 , further comprising: providing a user interface to select the second set of product features, wherein receiving the selection of the second set of product features is via the user interface. |
| Claim: | 3. The method of claim 1 , wherein the product includes automobile insurance and the first set of product features include insurance limits and deductibles. |
| Claim: | 4. The method of claim 1 , further comprising: displaying a price comparison table with a first column listing a plurality of available features of the product, the plurality of available features including the first set of product features and the second set of product features, a second column listing a feature price of each product feature of the first set of the first set of product features, and a third column listing the feature price of each product feature of the second set of product features. |
| Claim: | 5. A system for providing pricing information to a consumer from a seller of a product having a plurality of features, the system comprising: a memory having software stored thereon; and a programmable processor communicatively coupled to the memory, wherein the software when executed by the programmable processor causes the programmable processor to: determine a first set of product features of a product a user currently owns; obtain a first price for the product based on a first set of product features; receive a selection of a second set of product features for the product the user currently owns; obtain a second price for the product based on the second set of product features, the second set of product features including at least one different feature than the first set of product features; and display the first price for the product and the second price. |
| Claim: | 6. The system of claim 5 , wherein the software when executed by the programmable processor causes the programmable processor to: provide a user interface to select the second set of product features, wherein receiving the selection of the second set of product features is via the user interface. |
| Claim: | 7. The system of claim 5 , wherein the product includes automobile insurance and the first set of product features include insurance limits and deductibles. |
| Claim: | 8. The system of claim 5 , wherein the software when executed by the programmable processor causes the programmable processor to: display a price comparison table with a first column listing a plurality of available features of the product, the plurality of available features including the first set of product features and the second set of product features, a second column listing a feature price of each product feature of the first set of the first set of product features, and a third column listing the feature price of each product feature of the second set of product features. |
| Claim: | 9. A non-transitory computer-readable medium comprising computer-readable instructions for providing pricing information to a consumer from a seller for a product having a plurality of optional features, said computer-readable instructions when executed by a computer, cause the computer to: determine a first set of product features of a product a user currently owns; obtain a first price for the product based on a first set of product features; receive a selection of a second set of product features for the product the user currently owns; obtain a second price for the product based on the second set of product features, the second set of product features including at least one different feature than the first set of product features; and display the first price for the product and the second price. |
| Claim: | 10. The non-transitory computer-readable medium of claim 9 , further comprising instructions, which when executed by the computer, cause the computer to: provide a user interface to select the second set of product features, wherein receiving the selection of the second set of product features is via the user interface. |
| Claim: | 11. The non-transitory computer-readable medium of claim 9 , wherein the product includes automobile insurance and the first set of product features include insurance limits and deductibles. |
| Claim: | 12. The non-transitory computer readable medium of claim 9 , further comprising instructions, which when executed by the computer, cause the computer to: display a price comparison table with a first column listing a plurality of available features of the product, the plurality of available features including the first set of product features and the second set of product features, a second column listing a feature price of each product feature of the first set of the first set of product features, and a third column listing the feature price of each product feature of the second set of product features. |
| Current U.S. Class: | 705/4 |
| Patent References Cited: | 6163770 December 2000 Gamble et al. 7725358 May 2010 Brown et al. 7747471 June 2010 Brown et al. 7761313 July 2010 Brown et al. 2002/0019778 February 2002 Isaacson et al. 2002/0188484 December 2002 Grover et al. 2004/0039611 February 2004 Hong et al. 2004/0128172 July 2004 Van Cleave et al. 2004/0143539 July 2004 Penney et al. 2006/0085452 April 2006 Cope 2007/0061173 March 2007 Gay 2007/0260494 November 2007 Ogawa et al. |
| Other References: | A real-time upload initiative that allows agents to quote and issue new business poicies for personal automobile and homeowners accounts, Acord P&C XML Case Study, Donegal Insurance, IVANS., (May 2003), 3 pgs. cited by other U.S. Appl. No. 11/320,065, Examiner Interview Summary mailed Jul. 14, 2009, 2 pgs. cited by other U.S. Appl. No. 11/320,065, Final Office Action mailed Nov. 13, 2009, 6 pgs. cited by other U.S. Appl. No. 11/320,065, Non Final Office Action mailed Apr. 15, 2009, 12 pgs. cited by other U.S. Appl. No. 11/320,065, Notice of Allowance mailed Feb. 22, 2010, 16 pgs. cited by other U.S. Appl. No. 11/320,065, Response filed Jan. 13, 2010 to Final Office Action mailed Nov. 13, 2009, 10 pgs. cited by other U.S. Appl. No. 11/320,065, Response filed Jul. 15, 2009 to Non Final Office Action mailed Apr. 15, 2009, 15 pgs. cited by other U.S. Appl. No. 11/320,069 , Notice of Allowance mailed Dec. 31, 2009, 7 Pgs. cited by other U.S. Appl. No. 11/320,069, Examiner Interview Summary mailed Nov. 17, 2008, 4 pgs. cited by other U.S. Appl. No. 11/320,069, Final Office Action mailed Apr. 14, 2009, 14 pgs. cited by other U.S. Appl. No. 11/320,069, Non Final Office Action mailed Sep. 25, 2008, 11 pgs. cited by other U.S. Appl. No. 11/320,069, Notice of Allowance mailed Sep. 16, 2009, 15 pgs. cited by other U.S. Appl. No. 11/320,069, Response filed Jan. 23, 2009 to Non Final Office Action mailed Sep. 25, 2008, 12 pgs. cited by other U.S. Appl. No. 11/320,069, Response filed Jul. 14, 2009 to Final Office Action mailed Apr. 14, 2009, 14 pgs. cited by other U.S. Appl. No. 11/320,069, Response filed Dec. 16, 2009 to Final Office Action mailed Sep. 16, 2009, 8 pgs. cited by other U.S. Appl. No. 11/320,074, Final Office Action mailed Jan. 23, 2009, 9 pgs. cited by other U.S. Appl. No. 11/320,074, Non Final Office Action mailed Jul. 6, 2009, 5 pgs. cited by other U.S. Appl. No. 11/320,074, Non Final Office Action mailed Jul. 10, 2008, 8 pgs. cited by other U.S. Appl. No. 11/320,074, Non Final Office Action mailed Oct. 31, 2007, 11 pgs. cited by other U.S. Appl. No. 11/320,074, Notice of Allowance mailed Feb. 8, 2010, 9 pgs. cited by other U.S. Appl. No. 11/320,074, Response filed Feb. 29, 2008 to Non Final Office Action mailed Oct. 31, 2007, 18 pgs. cited by other U.S. Appl. No. 11/320,074, Response filed Apr. 23, 2009 to Final Office Action mailed Jan. 23, 2009, 13 pgs. cited by other U.S. Appl. No. 11/320,074, Response filed Nov. 6, 2009 to Non Final Office Action mailed Jul. 6, 2009, 11 pgs. cited by other U.S. Appl. No. 11/320,074, Response filed Nov. 10, 2008 to Non Final Office Action mailed Jul. 10, 2008, 13 pgs. cited by other “Comparative Rating for the Insurance Industry”, CGI Group Inc. White paper, (2004), 1-7. cited by other “Progressive Insurance: Creating Value via Mobile Field Service”, E-Buisness Strategies, Inc., (Apr. 2003), 1-11. cited by other Madigan, David, “Making the most of the Internet Developing a realistic strategy for auto insurance sales”, Insurance Times vol. XX, No. 7, (Apr. 3, 2001), 4 pgs. cited by other |
| Assistant Examiner: | Poe, Kevin |
| Primary Examiner: | Patel, Jagdish |
| Attorney, Agent or Firm: | Schwegman, Lundberg & Woessner, P.A. |
| رقم الانضمام: | edspgr.08185417 |
| قاعدة البيانات: | USPTO Patent Grants |
| الوصف غير متاح. |