Computer Implemented Methods For Providing Customized Marketing Information

Abstract

Computer implemented methods for providing customized pricing information based on limited personal data comprising receiving non-identifying demographic information about a prospective customer; receiving non-identifying location information about the prospective customer; receiving non-identifying information about a property of the prospective customer; automatically identifying a comparable segment of existing customers based on the non-identifying demographic information, the non-identifying location information, and the non-identifying information about the property of the prospective customer; automatically determining representative pricing information based on prices paid by existing customers in the comparable segment of existing customers; and generating displayable content comprising the representative pricing information. The displayable content may further comprise comparable rating and products information.

What is claimed is: 
     
         1 . A computer implemented method for providing customized pricing information based on limited prospective customer personal data, the computer implemented method comprising:
 receiving non-identifying demographic information about a prospective customer;   receiving non-identifying location information about the prospective customer;   receiving non-identifying information about a property of the prospective customer;   automatically identifying a comparable segment of existing customers based on the non-identifying demographic information, the non-identifying location information, and the non-identifying information about the property of the prospective customer;   automatically determining representative pricing information based on prices paid by existing customers in the comparable segment of existing customers; and   generating displayable content comprising the representative pricing information.   
     
     
         2 . The computer implemented method of  claim 1 , further comprising, after generating displayable content comprising the representative pricing information:
 receiving identifying demographic information about a prospective customer;   receiving identifying information about the property of the prospective customer; and   automatically calculating a rate representing a risk of providing insurance coverage for at least one of the property and the liability of the prospective customer, wherein automatically calculating the rate is based at least on the identifying demographic information and the receiving of further identifying information.   
     
     
         3 . The computer implemented method of  claim 1 , further comprising, after generating displayable content comprising the representative pricing information:
 receiving identifying demographic information about a prospective customer; and   automatically calculating a rate representing a risk of providing insurance coverage for the prospective customer, wherein automatically calculating the rate is based at least on the identifying demographic information and the receiving of further identifying information.   
     
     
         4 . The computer implemented method of  claim 1 , further comprising generating displayable content comprising competitive pricing information. 
     
     
         5 . A computer implemented method for providing customized product information based on limited prospective customer personal data comprising:
 receiving non-identifying demographic information about a prospective customer;   receiving non-identifying location information about the prospective customer;   receiving non-identifying information about the property of the prospective customer;   automatically identifying a comparable segment of existing customers based on the non-identifying demographic information, the non-identifying location information, and the non-identifying information about property of the prospective customer;   automatically determining representative product selection information based on products purchased by existing customers in the comparable segment of existing customers; and   generating displayable content comprising the representative product selection information.   
     
     
         6 . A computer implemented method for providing customized product information based on limited prospective customer personal data comprising:
 receiving non-identifying demographic information about a prospective customer;   receiving non-identifying financial information about a prospective customer;   automatically identifying a comparable segment of existing customers based on the non-identifying demographic information, and the non-identifying financial information about the prospective customer;   automatically determining representative product selection information based on products purchased by existing customers in the comparable segment of existing customers; and   generating displayable content comprising the representative product selection information.   
     
     
         7 . A computer implemented method for providing customized pricing information based on limited prospective customer personal data, the computer implemented method comprising:
 populating a database of existing insurance policy information;   clustering customer segmentations of the existing insurance policy information;   communicating a subset of prospective insurance customer policy criteria;   estimating a score and premium using the subset of prospective insurance customer policy criteria and the customer segmentations of the existing insurance policy information in the computer memory to determine peer group policy information; and   communicating the peer group policy information, whereby the peer group policy information promotes disclosure of complete prospective insurance customer policy criteria for obtaining an insurance policy quote.   
     
     
         8 . A computer implemented method for providing customized pricing information based on limited prospective customer personal data, the computer implemented method comprising:
 segmenting existing customer insurance policy information in a computer memory via a computer segmentation module of a computer;   communicating a subset of prospective insurance customer policy criteria through a user interface device to a real-time function execution module of the computer;   using the subset of prospective insurance customer policy criteria and the customer segmentations of the existing customer insurance policy information in the computer memory to determine peer group policy information;   communicating the peer group policy information from the real-time function execution module through a user interface device of the computer; and   promoting disclosure of complete prospective insurance customer policy criteria via the peer group policy information, wherein the complete prospective insurance customer policy criteria is useable to obtain an insurance policy quote.   
     
     
         9 . The computer implemented method of  claim 8 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying demographic information about the prospective insurance customer. 
     
     
         10 . The computer implemented method of  claim 8 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying location information about the prospective insurance customer. 
     
     
         11 . The computer implemented method of  claim 8 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying information about a property of the prospective insurance customer. 
     
     
         12 . The computer implemented method of  claim 8 , wherein the computer segmentation module is configured to generate two or more segments of the existing insurance policy information based on insurance policy criteria selected from: an age of the insured, a type of property insured, a number of claims filed by the prospective customer within a specified timeframe, and an identification of discounts. 
     
     
         13 . The computer implemented method of  claim 8 , wherein the representative information about the existing policy information associated with each segment comprises at least one statistic relating to: the dollar value of insurance premiums paid by customers in that segment, coverages elected by customers in that segment, limits elected by customers in that segment, deductibles elected by customers in that segment, and other products owned by customers in that segment.