Patent ID: 7398220

Claim:
A system for creation of a certificate of insurance that prevents creation of an unauthorized certificate of insurance, on behalf of an insured, by a third-party, which is one or more of the insured, a certificate holder or others acting on behalf of an insured or certificate holder, comprising: a database storing insurance coverage information about each of a plurality of insureds; and a computer system communicably coupled to the database, the computer system comprising computer program instructions to: (a) provide a first user interface under control of a first user, which is one or more of an insurer, an insurance agent or broker acting on behalf of the insurer, or an insured authorized by the insurer or by the insurance agent or broker acting on behalf of the insurer, to accept, from the first user, an insured name and address, insurance policy details, and certificate wording allowed or disallowed to prevent unauthorized insurance coverage information from being included in the certificate of insurance; (b) provide a second user interface for the third-party to select a specific insured and provide a certificate holder name, address and certificate purpose; (c) restrict the certificate holder name, address and certificate purpose provided by the third party in accordance with the certificate wording allowed or disallowed accepted from the first user; (d) create the certificate of insurance with the insured name, address and insurance policy details accepted from the first user, and the certificate holder name, address and certificate purpose provided by the third party, as restricted in accordance with the certificate wording allowed or disallowed; and (e) provide the certificate of insurance to the certificate holder.