Patent ID: 11934980
Assignee: HARTFORD FIRE INSURANCE COMPANY
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 14:
15. A non-transitory, computer-readable medium storing instructions, that, when executed by a processor, cause the processor to perform a method for segmenting and scheduling associated with a distributed communications network, the method comprising:
storing into a communication device database information about a plurality of communication devices, including at least one communication address associated with each communication device, wherein each communication device is associated with an employee of an employer;
storing into an employee status database a plurality of data item elements for each employee of the employer;
training at least one predictive model with results from current transactions such that the at least one predictive model adapts to changing conditions;
utilizing a network based segmentation server of an insurer, separate from and independent of the employer, in communication with the communication device database and the employee status database, to: (i) access information in the employee status database, and (ii) automatically assign each employee to an employee segment, of a set of potential employee segments, based on the at least one predictive model, information in the employee status database, and historical buying behaviors associated with voluntary purchases of group benefit insurance products offered for sale by the insurer directly to other employees of other employers, and (iii) transmit information about the employee segments, said set of potential employee segments including a budget-stretchers segment, an up-and-coming segment, and an under-pressure segment; and
utilizing a scheduling server of the insurer, coupled to the segmentation server, to: (iv) receive a selection of a subset of the set of potential employee segments, (v) receive the information about the employees assigned to each of the selected subset of potential employee segments from the segmentation server, (vi) automatically schedule a series of communication events with communication devices in accordance with the employees assigned to the selected subset of potential employee segments, using the communication addresses, via the distributed communication network, wherein the communication events are associated with voluntary group benefit insurance products offered for sale by the insurer directly to the employees of the employer, and (vii) arrange for communication links to be established for employees assigned to the selected subset of potential employee segments in accordance with the scheduled series of communication events.