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

Claim 7:
8. A non-transitory, tangible computer-readable medium storing machine readable instructions that, when executed by one or more processors, cause the one or more processors 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;
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;
determine a propensity score based upon the 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; and
send a targeted electronic message to the customer, in response to the propensity score satisfying an insurance campaign criteria, to facilitate enhanced insurance-related marketing or advertising within the GUI of the web-based application.