US 11,922,513 B2
Life insurance clearinghouse
John Rugel, Hawthorn Woods, IL (US)
Assigned to Allstate Insurance Company, Northbrook, IL (US)
Filed by ALLSTATE INSURANCE COMPANY, Northbrook, IL (US)
Filed on Apr. 29, 2022, as Appl. No. 17/733,131.
Application 17/733,131 is a continuation of application No. 17/077,322, filed on Oct. 22, 2020, granted, now 11,348,185.
Application 17/077,322 is a continuation of application No. 16/666,998, filed on Oct. 29, 2019, granted, now 10,825,101, issued on Nov. 3, 2020.
Application 16/666,998 is a continuation of application No. 14/013,106, filed on Aug. 29, 2013, granted, now 10,489,859, issued on Nov. 26, 2019.
Prior Publication US 2022/0405854 A1, Dec. 22, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01)
CPC G06Q 40/08 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method, comprising:
at a life insurance clearinghouse computer server comprising at least one processor, memory, and a network interface:
converting life insurance data from a plurality of data formats to a uniform data format;
determining, by the at least one processor, based on a life insurance data in the uniform data format associated with an existing customer of a first life insurance provider, a current amount of in-force life insurance coverage for the existing customer of the first life insurance provider, wherein the life insurance data associated with the existing customer of the first life insurance provider indicates that the existing customer of the first life insurance provider has a second life insurance policy provided by a second life insurance provider;
causing, based the current amount of in-force life insurance coverage and by the at least one processor, a request to authorize a transaction by the existing customer of the first life insurance provider to make at least one change to a first life insurance policy provided by the first life insurance provider to the existing customer of the first life insurance provider to be accepted or denied;
maintaining a life insurance clearinghouse database; and
communicating with one or more remote devices via a security and integration layer configured to control access to the life insurance clearinghouse database.