Method and apparatus for automatically reviewing application information and preparing responsive communications

摘要

A method for application processing enables a user to submit an application for a product (204, FIG. 2) using a first computer (102, FIG. 1). The application information is sent to a second computer (106) for processing. The first and second computers could be a client and server, respectively. An automatic review process (206, FIG. 2) is performed, by evaluating (804, FIG. 8) the application information in light of one or more rule sets. Each rule set can correspond to a potential provider of the requested product, in one embodiment. If the application information fits the criteria of one or more rule sets (806), then information for an automatic review communication (ARC) is generated and stored (808). After a review of the ARC information, in one embodiment, the ARC is sent to the user or the user is otherwise informed of the ARC's existence. In one embodiment, the application is an application for insurance, the automatic review process is an automatic underwriting process for one or more potential insurance providers, and the ARC is an insurance quote or bid. The method is implemented using client and server computers, which communicate over the Internet, in one embodiment.