Abstract: A system for improving a quality of a data stream including community or social network site rating data includes a mobile device to generate a graphical user interface including questions on a feedback input screen relating to business transacted with an entity. A network interface unit receives the mobile device input data and the community or social network site rating data pertaining to the entity. A text processing unit accesses a selected plurality of community or social network site databases and the mobile device input data, and applies one or more weighting factors to the data including at least one of: a site credibility rating factor, a reviewers credibility factor, an amount of reviews, a current or dated information factor, and a specificity of data factor. Improved community or social network rating data is determined and the improved data stream is transmitted.

Abstract: A system and method are disclosed herein to determine an insurance benefit associated with an insurance policy for an asset, such as an automobile or a residence. The system includes a computer memory and a processor in communication with the computer memory. The computer memory may store data indicative of (i) a recommended maintenance schedule for the asset and (ii) at least one actual maintenance event that has occurred in connection with the asset. The processor may compare the at least one actual maintenance event with the recommended maintenance schedule and determine the benefit for the insurance policy based at least in part on a result of said comparing. The processor may then transmit an indication of the benefit for the insurance policy.

Abstract: Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.

Abstract: Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.

Abstract: A system and method are disclosed herein to determine an insurance benefit associated with an insurance policy for an asset, such as an automobile or a residence. The system includes a computer memory and a processor in communication with the computer memory. The computer memory may store data indicative of (i) a recommended maintenance schedule for the asset and (ii) at least one actual maintenance event that has occurred in connection with the asset. The processor may compare the at least one actual maintenance event with the recommended maintenance schedule and determine the benefit for the insurance policy based at least in part on a result of said comparing. The processor may then transmit an indication of the benefit for the insurance policy.

Abstract: A risk associated with a data breach of confidential personal data may be determined based on the amount of confidential personal data records stored. Underwriting questions based on the user's business may be determined and transmitted to the user. Input data may be received from a user that is responsive to the underwriting questions. The system may then determine an applicable insurance product with various options and receive a quote for the insurance product and the selected options. The user may initiate the purchase of one insurance product with one or more options, and/or enter into a binding agreement for the purchase of one of the insurance product.

Abstract: Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.

Abstract: A system for underwriting using community and/or social networking based data includes an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information. Community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.

Abstract: Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.

Abstract: A system for underwriting using community and/or social networking based data includes an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information. Community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.

Abstract: A system for underwriting using community and/or social networking based data is disclosed. In some embodiments, an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information is implemented. According to some embodiments, community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.

Abstract: Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.

Abstract: Systems and methods are disclosed herein for sharing of information related to insurance customers' participation in a group dividend plan. The system includes a database and a business logic processor in communication with the database. The database stores data regarding a plurality of insurance group dividend plans, including, for each plan, data about a group of customers assigned to the plan and safety data associated with each of the assigned customers. The business logic processor can obtain safety data associated with customers in the group. The business logic processor can provide the obtained safety data associated with one customer to a different customer via a social networking application or other interactive graphical user interface. The business logic processor can also determine a dividend to provide to each of a group of customers based at least partially on the safety data.