Michael A Gaughan

US Patent:

20120278108, Nov 1, 2012

Filed:

Aug 31, 2011

Appl. No.:

13/223154

Inventors:

Michael Gaughan - Elmhurst IL, US
Clifton Burns - Geneva IL, US

Assignee:

TRANS UNION LLC. - Chicago IL

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

A method for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product is provided. The method determines personal identifying data of the consumer, matches the determined identifying data with one of the personal identifiers listed in an index file. The method identifies a plurality of insurance claims associated with the matched personal identifier, determines which of the identified insurance claims are chargeable based on a claim criteria provided by the insurance business, and returns a claim score to the insurance business indicative of a number of claims determined to be chargeable. The method further identifies a plurality of personal injury insurance claims associated with the matched personal identifier, determines which of the identified personal injury insurance claims are pertinent based on claim criteria provided by the insurance business, and returns an alert to the insurance business identifying pertinent personal injury claims.