System and method for registration with an insurance portal

Abstract

Systems and methods are disclosed herein for processing a registration request for electronic access to a plurality of computerized insurance services. A network interface is configured to communicate with the plurality of computerized insurance services by interfacing with a plurality of disparate information platforms and communicating with a user computing device. A memory stores a portal module, a profile module, and a security module, each in the form of computer executable instructions, which, when executed by a processor, cause the system to receive a user identity, a registration request of the user identity, and one or more secure information items associated with the user identity from the user computing device, determine a verification score for the user identity based on the one or more secure information items, and selectively register the user identity with a plurality of the computerized insurance services based on the verification score.

What is claimed is: 
     
         1 . A system for processing a registration request for electronic access to a plurality of computerized insurance services operating on a plurality of distinct information platforms, the system comprising:
 a processor;   a network interface configured to communicate with a user computing device located remotely to the system and the plurality of computerized insurance services operating on the plurality of distinct information platforms, and   a memory storing computer executable instructions, which, when executed by the processor, cause the system to:
 receive, via execution of the instructions by the processor, a registration request of a user identity; and 
 in response to the registration request:
 create, via execution of the instructions by the processor, a global user account for the user identity; 
 establish, via execution of instructions by the processor, one or more security credentials for the global user account; 
 merge or link a pre-existing user account for one of the plurality of computerized insurance services with the global user account; and 
 determine, via execution of the instructions by the processor, a plurality of insurance-related roles for the user identity in relation to each of one or more computerized insurance services associated with the global user account. 
 
   
     
     
         2 . The system of  claim 1 , wherein the computer executable instructions comprise a portal module, a profile module and a security module, wherein the receiving of the registration request of a user identity is performed via execution of the portal module by the processor, and the creating the global user account, establishing the one or more security credentials for the global user account, and the determining of the plurality of insurance-related roles are performed via execution of the security module by the processor. 
     
     
         3 . The system of  claim 1 , wherein the plurality of insurance-related roles are determined automatically, without further user input, by sending queries, via execution of the profile module by the processor, for pre-existing account information to at least some of the plurality of computerized insurance services. 
     
     
         4 . The system of  claim 1 , wherein the plurality of insurance-related roles includes at least of a personal role, a claimant role, a beneficiary role, an agent role, and a business role. 
     
     
         5 . The system of  claim 1 , wherein the computer executable instructions, when executed by the processor, further cause the processor to:
 establish at least one security credential for the global user account by importing a security credential from either one of the plurality of computerized insurance services or from a trusted third-party business affiliate, wherein the imported security credential has been previously established by the user.   
     
     
         6 . The system of  claim 1 , wherein the plurality of computerized insurance services comprises at least one non-property insurance service, the at least one non-property insurance service comprising at least one of a 401(k) retirement service and an annuity investment service. 
     
     
         7 . The system of  claim 1 , wherein the plurality of computerized insurance services comprise one or more of health insurance, fire insurance, life insurance, vehicle insurance, business insurance, mutual fund, annuity, college savings plan, and retirement plan services. 
     
     
         8 . The system of  claim 1 , wherein the computer executable instructions, when executed by the processor, further cause the system to merge the pre-existing user account if the pre-existing user account is substantially compatible with the global user account and link the pre-existing user account if the pre-existing user account is not substantially compatible with the global user account. 
     
     
         9 . A computer-implemented method for processing a registration request for electronic access to a plurality of computerized insurance services operating on a plurality of distinct information platforms, the method comprising:
 communicating by a network interface with the plurality of computerized insurance services operating on the plurality of distinct information platforms and with a user computing device located remotely to an insurance system;   receiving by a processor, a registration request of a user identity; and   in response to the registration request:
 creating, by the processor, a global user account for the user identity; 
 establishing, by the processor, one or more security credentials for the global user account; 
 merging or linking, by the processor, a pre-existing user account for one of the plurality of computerized insurance services with the global user account; and 
 determining, by the processor, a plurality of insurance-related roles for the user identity in relation to each of one or more computerized insurance services associated with the global user account. 
   
     
     
         10 . The method of  claim 9 , further comprising determining the plurality of insurance-related roles automatically, without further user input, by sending queries, by the processor, for pre-existing account information to at least some of the plurality of computerized insurance services. 
     
     
         11 . The method of  claim 9 , wherein the plurality of insurance-related roles includes at least of a personal role, a claimant role, a beneficiary role, an agent role, and a business role. 
     
     
         12 . The method of  claim 9 , further comprising:
 establishing at least one security credential for the global user account by importing a security credential from either one of the plurality of computerized insurance services or from a trusted third-party business affiliate, wherein the imported security credential has been previously established by the user.   
     
     
         13 . The method of  claim 9 , wherein the plurality of computerized insurance services comprises at least one non-property insurance service. 
     
     
         14 . The method of  claim 13 , wherein the at least one non-property insurance service is at least one of 401(k) retirement service and an annuity investment service. 
     
     
         15 . The method of  claim 9 , wherein the plurality of computerized insurance services comprise one or more of health insurance, fire insurance, life insurance, vehicle insurance, business insurance, mutual fund, annuity, college savings plan, and retirement plan services. 
     
     
         16 . The method of  claim 9 , further comprising merging the pre-existing user account if the pre-existing user account is substantially compatible with the global user account and linking the pre-existing user account if the pre-existing user account is not substantially compatible with the global user account. 
     
     
         17 . A non-transitory computer-readable medium, storing computer executable instructions, which, when executed by a processor, cause the processor to:
 receive a registration request of a user identity for electronic access to a plurality of computerized insurance services operating on a plurality of distinct information platforms; and   in response to the registration request:
 create a global user account for the user identity; 
 establish one or more security credentials for the global user account; 
 merge or link a pre-existing user account for one of the plurality of computerized insurance services with the global user account; and 
 determine a plurality of insurance-related roles for the user identity in relation to each of one or more computerized insurance services associated with the global user account. 
   
     
     
         18 . The non-transitory computer-readable medium of  claim 17 , wherein the computer executable instructions, when executed by the processor, cause the processor to determine the plurality of insurance-related roles automatically, without further user input, by sending queries for pre-existing account information to at least some of the plurality of computerized insurance services. 
     
     
         19 . The non-transitory computer-readable medium of  claim 17 , wherein the plurality of insurance-related roles includes at least of a personal role, a claimant role, a beneficiary role, an agent role, and a business role. 
     
     
         20 . The non-transitory computer-readable medium of  claim 17 , wherein the computer executable instructions, when executed by the processor, further cause the processor to:
 establish at least one security credential for the global user account by importing a security credential from either one of the plurality of computerized insurance services or from a trusted third-party business affiliate, wherein the imported security credential has been previously established by the user.