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71. 发明授权

US09218592B2 Computer system and method for processing data relating to nurse intervention program decisions 有权
标题翻译：用于处理与护士干预计划决策有关的数据的计算机系统和方法
公开(公告)号：US09218592B2
公开(公告)日：2015-12-22
申请号：US14010980
申请日：2013-08-27
申请人： Hartford Fire Insurance Company
发明人： Jonathan Kaleb Adams , Ryan A. Gawel , Joseph D. Pagano
IPC分类号： G06Q50/22 , G06Q10/10 , G06Q10/06
CPC分类号： G06Q10/1057 , G06F19/00 , G06N5/045 , G06N99/005 , G06Q10/06 , G06Q50/22 , G16H50/20
摘要： According to some embodiments, historical claim data may be stored in a computer storage unit. The historical claim data may be used to train and verify a predictive model, the predictive model being associated with an evaluation of claim transactions to determine whether to refer each claim transactions to a nurse intervention program. Data for current claim transactions may be processed, and the trained and verified predictive model may be applied to the data for the current claim transactions to generate a respective output for each of the current claim transactions. Some of the current claim transactions may be selectively routed to a case management center associated with the nurse intervention program based on the outputs generated by the predictive model.
摘要翻译：根据一些实施例，历史声明数据可以存储在计算机存储单元中。历史索赔数据可以用于训练和验证预测模型，所述预测模型与索赔交易的评估相关联，以确定是否将每个索赔交易引用到护士干预程序。可以处理当前权利要求交易的数据，并且经过训练和验证的预测模型可以应用于当前索赔交易的数据，以为当前权利要求交易中的每一个产生相应的输出。一些当前的权利要求交易可以基于由预测模型产生的输出而被选择性地路由到与护士干预程序相关联的病例管理中心。

72. 发明申请

US20150356475A1 FEEDBACK MECHANISMS FOR INSURANCE WORKFLOW OPTIMIZATION 审中-公开
标题翻译：用于保险工作流优化的反馈机制
公开(公告)号：US20150356475A1
公开(公告)日：2015-12-10
申请号：US14295865
申请日：2014-06-04
申请人： Hartford Fire Insurance Company
发明人： James S. Rogers , Samantha A. DeRosa
IPC分类号： G06Q10/06
CPC分类号： G06Q10/0633 , G06Q40/08
摘要： Embodiments provide a method for giving feedback for insurance workflow optimization. The method may include an easy to understand indication, e.g., a visual such as a light bulb that changes hue, which is representative of a metric regarding how workflows are being managed. In an example embodiment, insurance agent data submissions may be processed to categorize each of the plurality of insurance agent data submissions, e.g., as preferred workflow type and non-preferred workflow type. On this basis, a metric may be determined to reflect a proportion of preferred workflow type and non-preferred workflow type in the insurance agent data submissions received. This metric may in turn be formed into an instruction that reflects the metric, with the instruction being communicated to a device at an insurance agency, e.g., a device including a light bulb of changing hue that provides an indication of the metric. Other aspects are described and claimed.
摘要翻译：实施例提供了一种为保险工作流优化提供反馈的方法。该方法可以包括易于理解的指示，例如改变色调的视觉例如灯泡，其代表关于如何管理工作流程的度量。在示例实施例中，可以处理保险代理数据提交，以对多个保险代理数据提交中的每一个进行分类，例如，作为优选工作流类型和非首选工作流类型。在此基础上，可以确定度量以反映接收到的保险代理数据提交中优选工作流类型和非首选工作流类型的比例。该指标又可以形成为反映度量的指令，其中指令被传送到保险机构的设备，例如包括改变色调的灯泡的设备，其提供度量的指示。描述和要求保护其他方面。

73. 发明授权

US09037394B2 System and method to determine an initial insurance policy benefit based on telematics data collected by a smartphone 有权
标题翻译：基于由智能手机收集的远程信息数据确定初始保险单收益的系统和方法
公开(公告)号：US09037394B2
公开(公告)日：2015-05-19
申请号：US13529115
申请日：2012-06-21
申请人： Steven J. Fernandes , Steven R. Feero
发明人： Steven J. Fernandes , Steven R. Feero
IPC分类号： G06Q40/08 , G08G5/00 , G07C5/00
CPC分类号： G06Q40/08 , B60W40/09 , G07C5/00 , G08G5/0039
摘要： A system and method are disclosed herein to determine an insurance policy benefit based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative of preliminary telematics data collected by a smartphone associated with a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data collected prior to issuance of an insurance policy for the vehicle. The processor is configured to calculate and apply an initial insurance policy benefit in exchange for receiving the data indicative of actual telematics data. When the data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final insurance policy benefit and replace the initial insurance policy benefit with the final insurance policy benefit.
摘要翻译：本文公开的系统和方法用于基于远程信息处理数据确定保险政策利益。该系统包括与计算机存储器通信的计算机存储器和处理器。计算机存储器存储指示由与车辆相关联的智能电话收集的初始远程信息数据的数据，包括车辆的地理位置信息和在为车辆发布保险单之前收集的车辆运动学数据中的至少一个。处理器被配置为计算并应用初始保险单收益，以便接收指示实际远程信息数据的数据。当指示实际远程信息数据的数据满足预定条件时，处理器可以计算最终保险政策利益，并将最初保险政策利益替换为最终保险政策利益。

74. 发明授权

US09026551B2 System and method for evaluating text to support multiple insurance applications 有权
标题翻译：用于评估文本以支持多个保险应用程序的系统和方法
公开(公告)号：US09026551B2
公开(公告)日：2015-05-05
申请号：US13925996
申请日：2013-06-25
申请人： Arthur Paul Drennan, III
发明人： Arthur Paul Drennan, III
IPC分类号： G06F17/30 , G06Q40/08 , G06F17/20 , G06Q10/10
CPC分类号： G06Q40/08 , G06F17/20 , G06F17/2785 , G06F17/30539 , G06F17/30572 , G06F17/30663 , G06F17/30684 , G06F17/30737 , G06Q10/10
摘要： A system for evaluating text data to support multiple insurance applications is disclosed. In some embodiments, text input data is received from multiple sources. The text input data may then be aggregated and mapped to create composite text input data. A semantic event in the composite text input data may be automatically detected, such as by being triggered by a semantic rule and associated semantic tag. A text mining result database may be updated by adding an entry to the database identifying the detected semantic event and the triggering semantic rule. An indication associated with the text mining result database may then be transmitted to a plurality of insurance applications.
摘要翻译：公开了一种用于评估文本数据以支持多个保险应用的系统。在一些实施例中，从多个源接收文本输入数据。然后可以对文本输入数据进行聚合和映射以创建复合文本输入数据。可以自动检测复合文本输入数据中的语义事件，例如通过由语义规则和相关联的语义标签触发。可以通过向识别检测到的语义事件和触发语义规则的数据库添加条目来更新文本挖掘结果数据库。然后可以将与文本挖掘结果数据库相关联的指示传送到多个保险应用程序。

75. 发明申请

US20150046194A1 SYSTEM AND METHOD FOR USING CROWD SOURCED DATA FOR INSURANCE CLAIMS BASED ANALYSIS 审中-公开
标题翻译：用于基于保险索赔的分析数据的系统和方法
公开(公告)号：US20150046194A1
公开(公告)日：2015-02-12
申请号：US13961203
申请日：2013-08-07
申请人： Hartford Fire Insurance Company
发明人： Brian D. Waddell , Derrick J. Karle
IPC分类号： G06Q40/04
CPC分类号： G06Q40/04
摘要： A crowd sourced based system for evaluating catastrophe areas for insurance entities and insureds. The system leverages crowd sourced photo data to construct a virtual map in real time corresponding to an afflicted area. User provided photo information as well as other third party information may be utilized to supplement the virtual map. A number of insurance based processes and actions may be based on an evaluation of the virtual map.
摘要翻译：一个以人群为基础的系统，用于评估保险实体和被保险人的灾难性地区。该系统利用人群照片数据，实时地构建对应于受影响区域的虚拟地图。用户提供的照片信息以及其他第三方信息可用于补充虚拟地图。许多基于保险的流程和行为可以基于对虚拟地图的评估。

76. 发明授权

US08819266B2 Dynamic file transfer scheduling and server messaging 有权
标题翻译：动态文件传输调度和服务器消息传递
公开(公告)号：US08819266B2
公开(公告)日：2014-08-26
申请号：US12125657
申请日：2008-05-22
申请人： Stamos D. Salonikios
发明人： Stamos D. Salonikios
IPC分类号： G06F15/16 , G06F17/30
CPC分类号： G06F17/30067
摘要： According to some embodiments, first and second schedule patterns are determined. For example, a graphical user interface might be used to indicate the times, days, and/or weeks when information is to be transferred. A first transfer of information may be scheduled between remote devices in accordance with the first schedule pattern, and a second transfer may be scheduled in accordance with the second schedule pattern. Moreover, a third transfer of information between remote devices may be automatically scheduled in accordance with both the first and second schedule patterns.
摘要翻译：根据一些实施例，确定第一和第二调度模式。例如，可以使用图形用户界面来指示要传送信息的时间，天数和/或周数。可以根据第一调度模式在远程设备之间调度信息的第一传送，并且可以根据第二调度模式来调度第二传送。此外，可以根据第一和第二调度模式自动地调度远程设备之间的信息的第三传送。

77. 发明授权

US08805718B2 Systems and methods for collecting insurance-related data 有权
标题翻译：收集保险相关数据的制度和方法
公开(公告)号：US08805718B2
公开(公告)日：2014-08-12
申请号：US12836886
申请日：2010-07-15
申请人： John C. Haywood , Maureen A. Morrison , Joseph E. Musgrove, Jr. , Jeffrey D. Panitzke , Sheila M. Peine , Andres Pelaez , Ryan L. Wilson
发明人： John C. Haywood , Maureen A. Morrison , Joseph E. Musgrove, Jr. , Jeffrey D. Panitzke , Sheila M. Peine , Andres Pelaez , Ryan L. Wilson
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/20 , G06Q50/18
摘要： Systems and methods are disclosed herein for collecting and processing auto insurance claim-related data. Initial data is collected from a customer or a third party appraiser via a user interface. The initial data is used to retrieve relevant compliance guideline and policy information, which is used to modify and/or populate fields in the user interface. Collected and/or retrieved information is then stored and/or used to adjust an insurance claim workflow process.
摘要翻译：本文公开了用于收集和处理汽车保险索赔相关数据的系统和方法。初始数据通过用户界面从客户或第三方评估者收集。初始数据用于检索相关合规准则和策略信息，用于修改和/或填充用户界面中的字段。收集和/或检索的信息然后被存储和/或用于调整保险索赔工作流程。

78. 发明授权

US08805709B2 System and method for determining insurance group dividends 有权
标题翻译：确定保险组股息的制度和方法
公开(公告)号：US08805709B2
公开(公告)日：2014-08-12
申请号：US14145255
申请日：2013-12-31
申请人： Hartford Fire Insurance Company
发明人： Anthony J. Grosso , Steven P. Rippel , Jacqueline LeSage Krause
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q40/08
CPC分类号： G06Q40/08 , G06Q40/02 , G06Q40/06
摘要： Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.
摘要翻译：公开了向客户提供股息的系统和方法。该系统包括用于存储数据的数据库和用于确定向客户提供的红利的业务逻辑处理器。存储的数据包括在多个组派息计划之一成员资格的资格标准，分配给计划的客户的数据以及与客户相关联的保费支付。业务逻辑处理器接收与客户分配给集团股利计划资格相关的资格数据。业务逻辑处理器使用接收的数据来识别客户有资格加入的分红组计划，并将客户分配给所识别的计划。最后，业务逻辑处理器根据分配的计划计算提供给客户的股息。

79. 发明授权

US08798256B2 System and method for telephone call routing using a relational routing matrix 有权
标题翻译：使用关系路由矩阵进行电话呼叫路由的系统和方法
公开(公告)号：US08798256B2
公开(公告)日：2014-08-05
申请号：US13857470
申请日：2013-04-05
申请人： Philip Wawrzynowicz
发明人： Philip Wawrzynowicz
IPC分类号： H04M3/00 , H04M5/00
CPC分类号： H04M3/5141 , G06F3/04817 , G06F3/0482 , G06F3/04842 , G06F17/246 , G06Q40/08 , H04L43/06 , H04L51/14 , H04M3/24 , H04M3/5133 , H04M3/5166 , H04M3/5183 , H04M3/5191 , H04M3/5232 , H04M3/5233 , H04M3/5235 , H04M2201/42 , H04M2242/12
摘要： A system, method, apparatus, means, and computer program code is provided wherein a telephone call is received. A telephone call routing matrix is accessed, from a relational database platform, to select a service representative for the received telephone call. It may then be arranged for the received telephone call to be routed in accordance with the selected service representative.
摘要翻译：提供了一种系统，方法，装置，装置和计算机程序代码，其中接收到电话呼叫。从关系数据库平台访问电话呼叫路由矩阵，以选择所接收的电话呼叫的服务代表。然后可以根据所选择的服务代表来安排接收到的电话呼叫路由。

80. 发明授权

US08775307B2 Systems and methods for administering extended absence insurance 有权
标题翻译：延长缺勤保险的制度和方法
公开(公告)号：US08775307B2
公开(公告)日：2014-07-08
申请号：US12840680
申请日：2010-07-21
申请人： Kelly J. McLaughlin , Jonathan Kaleb Adams , Christopher D. Rice , Carmen L. Sharp
发明人： Kelly J. McLaughlin , Jonathan Kaleb Adams , Christopher D. Rice , Carmen L. Sharp
IPC分类号： G06Q40/00 , G06Q10/10 , G06Q40/08
CPC分类号： G06Q10/10 , G06Q40/08
摘要： A computer receives rating information relating to proposed issuance of an insurance policy endorsement. The rating information relates to a proposed insured that employs a number of employees. The computer processes the rating information to generate a premium amount to be charged for the insurance policy endorsement. The endorsement is then issued. The endorsement may provide reimbursement to the insured for losses incurred by the insured arising from absence from work by one or more of the employees.
摘要翻译：计算机接收有关建议发布保险单认证的评级信息。评级信息涉及雇用多名雇员的拟议被保险人。计算机处理评级信息以产生为保险政策背书而收取的溢价金额。然后签发背书。被保险人可以向被保险人报销由一名或多名雇员因工作而导致的损失。

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