Data Structures For Providing Customized Marketing Information

Abstract

A data structure in a tangible computer-readable medium having two or more prospective customer profile records; two or more comparable segment records; and an association between each of the two or more prospective customer profile records and one of the two or more comparable segment records.

1 - 4 . (canceled) 
     
     
         5 . A data structure in a tangible computer-readable medium comprising:
 existing insurance policy information;   customer segmentations of the existing insurance policy information; and   a scoring and premium estimation model, wherein the scoring and premium estimation model uses a-the subset of prospective insurance customer policy criteria and the customer segmentations of the existing insurance policy information to determine peer group policy information.   
     
     
         6 - 11 . (canceled) 
     
     
         12 . A data structure in a tangible computer-readable medium, as claimed in  claim 5 , wherein the existing insurance policy information comprises price information. 
     
     
         13 . A data structure in a tangible computer-readable medium, as claimed in  claim 5 , wherein the existing insurance policy information comprises policy characteristic information. 
     
     
         14 . The data structure of  claim 5 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying demographic information about the prospective insurance customer. 
     
     
         15 . The data structure of  claim 5 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying location information about the prospective insurance customer. 
     
     
         16 . The data structure of  claim 5 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying demographic information about a property of the prospective insurance customer. 
     
     
         17 . The data structure of  claim 5 , wherein the customer segmentations of the existing insurance policy information comprise 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. 
     
     
         18 . The data structure of  claim 5 , wherein the existing policy information 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. 
     
     
         19 . The data structure of  claim 5 , wherein the peer group policy information comprises policy pricing from existing customers. 
     
     
         20 . The data structure of  claim 5 , wherein the peer group policy information comprises policy characteristics selected by existing customers. 
     
     
         20 . The data structure of  claim 5 , wherein peer group policy information comprises: demographic classification of existing customers; existing customer identification information; information identifying the property and/or financial information about existing customers; information characterizing the claims risk of existing customers, characteristic information about products purchased by existing customers, and pricing information about products purchased by existing customers.