Keyboardless Insurance Quotation Interface
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Solution Overview
Problem
The process of obtaining automobile or home insurance quotes is cumbersome and error-prone, especially on smartphones and tablets without physical keyboards, leading to a high abandonment rate due to manual data entry requirements.
Innovation Solution
A system that provides dynamic insurance quotations using a graphical user interface with selectable inputs, such as checkboxes and radio buttons, which detects user selections and initiates user device and third-party information requests to generate quotes without requiring manual keyboard input, leveraging device and third-party data for accurate and real-time quotations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If manual keyboard data entry is required for insurance quotations, then information can be accurately collected, but the process becomes time-consuming and error-prone leading to high abandonment rates
Solution Approach 1:
The system automatically collects quotation data by interfacing with third-party systems (DMV, credit bureaus, employers) to retrieve driver, vehicle, and employment information without requiring manual data entry by the consumer or agent, thereby eliminating transcription errors and reducing process time
Solution Approach 2:
The system pre-fetches and stores relevant data from third-party sources before the quotation process begins, so that when a consumer requests a quote, the information is already available and can be immediately processed without requiring manual input or waiting for real-time data retrieval
2Adaptability or versatility
If virtual softkeys are used on smartphones and tablets for data entry, then physical keyboards are eliminated, but data entry becomes more error-prone and cumbersome
Solution Approach 1:
The system eliminates the need for manual data entry through virtual keyboards by automatically retrieving information from third-party systems and populating quotation forms, making the process equally easy on devices without physical keyboards while maintaining full device compatibility
Solution Approach 2:
The system extracts the data entry burden from the user interface by removing the need for consumers to manually input information through virtual keyboards, instead automatically pulling data from external sources and presenting it for verification
3Loss of information
If extensive manual information entry is required for quotations, then complete data can be collected, but the quotation process becomes too lengthy causing customers to abandon
Solution Approach 1:
The system automatically collects complete quotation data by interfacing with multiple third-party systems (DMV for driver information, credit bureaus for credit history, employers for employment verification) to retrieve all necessary information without manual entry, ensuring data completeness while dramatically accelerating the process
Solution Approach 2:
The system combines multiple data retrieval operations into a single automated process by simultaneously interfacing with third-party systems to collect driver, vehicle, credit, and employment information in one unified data gathering step rather than requiring separate manual inputs for each data type
Data Source
AI summary
A computer system for interaction with user devices presenting a keyboardless data entry interface and third party data systems is configured to provide data for display on a user device of a selectable input graphical user interface, the graphical user interface including a series of user selectable inputs not requiring user keyboard-type information entry. The system is configured to obtain data from a user device and from third party computer systems. The system is further configured to determine an insurance quotation based on inputs via the graphical user interface not requiring user keyboard-type information entry and the data from one or more of the user device and third party computer systems.