Patent ID: 11972488
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 13:
14. A message optimization system, comprising:
a communication unit configured to:
establish a communication connection via a communication network to facilitate sending and receiving electronic messages between the one or more processors and a computing device associated with an insurance customer;
receive, via the communication connection, a plurality of messages including data from the computing device;
monitor usage of a graphical user interface (GUI) of a web-based application by the insurance customer to detect receipt of insurance customer event data based upon the data received in the plurality of messages, the insurance customer event data including data indicative of one or more of (i) a selection made by the insurance customer via the web-based application, (ii) an entry made by the insurance customer via the web-based application, or (iii) a history of web browsing of the insurance customer via the web-based application; and
access insurance customer data from one or more data sources via the communication network in response to detecting the receipt of the insurance customer event data; and

a processor configured to determine a propensity score based upon insurance customer data and the insurance customer event data, the propensity score being indicative of a probability that an insurance campaign milestone event has occurred or will occur,
wherein the communication unit is further configured to send a targeted electronic message to the customer in the GUI of the web-based application when the propensity score satisfies an insurance campaign criteria.