Shared insurance industry system for non-disruptive enhancement and substitution of insurance transaction processing

摘要

Apparatus and methods for implementing a new insurance industry business processing system, called a “Shared Industry Platform”, are described. A network-based computing platform is defined which includes a communications portal and industry shared databases which are controlled by enabling application and security software and which may be accessed through a global computer network by insurance company computers, managing general agency computers, selling agent computers, and consumer computers. This shared industry platform allows communication among the various components of the insurance industry in a flexible manner as specified by each insurance company, no matter what the company's customary internal processing system might be. The present invention provides an evolutionary, non-disruptive means for interconnecting insurance company computers, managing general agency computers, agent computers, and consumer computers to allow interactive communication and secured business processing and data exchange over the Internet.