Patent ID: 8090599

Claim:
A computer system for underwriting, rating, quoting, binding, and booking an insurance policy comprising: an intermediary computer system comprising a processor coupled to a memory device, the processor configured to receive information from one or more user devices executing browsers operative to communicate associated information to and from the system; the processor further configured to permit each one of a plurality of sequential insurance processes to be performed only upon completion of a prior one of the plurality of processes, wherein the processes comprise, in sequence, at least an underwriting worksheet process, a rating process, a create quote process, a create binder process and a book and bill process; wherein the processor is configured to: permit the rating process to be performed only upon completion of the underwriting worksheet process; permit the create quote process to be performed only upon completion of the rating process; permit the create binder process to be performed only upon completion of the create quote process; and permit the book and bill process to performed only upon completion of the create binder process; wherein the processor is further configured to maintain the browser in one of a plurality of user-selected browser states, each of the browser states corresponding to one of the insurance processes, to maintain a plurality of process states corresponding to the browser states, to receive data from the browser, and to permit an insurance process corresponding to the user-selected browser state to be performed responsive to the receipt of data, the user-selected browser state being permitted only subject to permission for the corresponding insurance process to be performed; wherein the processor is further configured to generate interface elements associated with at least two of the browser states; and a second computer system in communication with the intermediary computer system, the second computer system configured to maintain a database comprising user account data, and the processor configured to search the database responsive to user requests received from the browser.