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81. 发明授权

US09563919B2 Safety evaluation and feedback system and method 有权
标题翻译：安全评估与反馈系统及方法
公开(公告)号：US09563919B2
公开(公告)日：2017-02-07
申请号：US12024676
申请日：2008-02-01
申请人： Tom Brown , John J. Anthony , Scott Chalfant , Michael Gingrave , Brian Vines
发明人： Tom Brown , John J. Anthony , Scott Chalfant , Michael Gingrave , Brian Vines
IPC分类号： G06Q40/00 , G06Q40/08 , G06Q10/00 , G06Q50/26
CPC分类号： G06Q40/08 , G06Q10/00 , G06Q50/265
摘要： Systems and methods are discussed for providing a sensor enhanced employee safety evaluation system. Sensors that monitor employee behavior are placed at the workplace of an insured entity. Data from the sensors are processed to obtain a safety evaluation. Based on the safety evaluation, the insurance provider can adjust the terms of the insurance policy to accurately reflect the risks associated with the insured entity. Feedback based on the safety evaluation is also provided to the insured entity and the employees of the insured entity to promote improvements in safe behavior.
摘要翻译：讨论了提供传感器增强型员工安全评估系统的系统和方法。监控员工行为的传感器被放置在被保险实体的工作场所。对传感器的数据进行处理，以获得安全评估。根据安全评估，保险公司可以调整保险单条款，准确反映被保险实体的风险。还向被保险实体和被保险人员提供了安全评估反馈意见，以促进安全行为的改善。

82. 发明授权

US09558520B2 System and method for geocoded insurance processing using mobile devices 有权
标题翻译：使用移动设备进行地理编码保险处理的系统和方法
公开(公告)号：US09558520B2
公开(公告)日：2017-01-31
申请号：US12754189
申请日：2010-04-05
申请人： David F. Peak , Andrew J. Amigo , Richard M. Borden , Keven J. Busque , Eugene J. Walters
发明人： David F. Peak , Andrew J. Amigo , Richard M. Borden , Keven J. Busque , Eugene J. Walters
IPC分类号： G06Q40/00 , G06Q40/08 , G06F19/00 , G06Q10/06 , G06Q10/10 , G06Q50/22 , G06Q50/24
CPC分类号： G06Q40/08 , G01C21/3461 , G01C21/36 , G06F19/00 , G06F19/3418 , G06Q10/067 , G06Q10/10 , G06Q20/3223 , G06Q20/3278 , G06Q50/22 , G06Q50/24 , G16H10/40 , G16H10/65
摘要： Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data, a computer processor for executing program instructions and for retrieving the loss risk score data from the data storage device, a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor, a geocoding engine comprising program instructions stored in the memory for geocoding historical loss data and a plurality of loss risk factors, a scoring engine comprising program instructions stored in the memory for calculating a loss risk score for each of a plurality of geographical locations based on said historical loss data and said plurality of loss risk factors, and a communication device, coupled to the computer processor, to output loss risk score data based on geographical location.
摘要翻译：根据一些实施例，提供保险系统，方法和设备，其包括用于存储，更新和提供对损失风险评分数据的访问的数据存储设备，用于执行程序指令并从数据中检索损失风险评分数据的计算机处理器存储设备，耦合到计算机处理器的存储器，用于存储由计算机处理器执行的程序指令;地理编码引擎，包括存储在存储器中的程序指令，用于对历史损失数据进行地理编码和多个损失风险因素;评分引擎，包括存储在存储器中的程序指令，用于基于所述历史损失数据和所述多个损失风险因子计算多个地理位置中的每个地理位置的损失风险评分，以及耦合到计算机处理器的通信设备，以输出损失风险评分基于地理位置的数据。

83. 发明申请

US20160299757A1 SYSTEM AND METHOD FOR MONITORING SOFTWARE DEVELOPMENT AND PROGRAM FLOW 审中-公开
公开(公告)号：US20160299757A1
公开(公告)日：2016-10-13
申请号：US15180730
申请日：2016-06-13
申请人： HARTFORD FIRE INSURANCE COMPANY
发明人： James A. Madison , Laif A. Wheeler
IPC分类号： G06F9/44
CPC分类号： G06F8/73 , G06F8/20 , G06F8/30 , G06F8/71
摘要： A system and method for monitoring software development and project flow in the insurance industry using user stories is disclosed. The system and method include a communication interface that receives information included in communications; a processor and memory to: identify from the monitored communication a plurality of user stories; estimate a priority and assign a value to each story; store each story and associated priority and value as a product backlog; calibrate the difference in the assigned value of each story by comparing each story and the associated assigned value, and iteratively adjusting the assigned value based on the calibrated difference; and update the product backlog of user stories and associated calibrated assigned value; and a display device for displaying the status of the software development and project flow based on the stories remaining in the product backlog as compared to the completed user stories.

84. 发明授权

US09311676B2 Systems and methods for analyzing sensor data 有权
标题翻译：用于分析传感器数据的系统和方法
公开(公告)号：US09311676B2
公开(公告)日：2016-04-12
申请号：US11894049
申请日：2007-08-16
申请人： Jonathan A. Helitzer , Joseph R. Carvalko, Jr. , Kelly L. Frey, Sr. , G. Stewart Murchie , Susannah Chen , Steven Rippel , Casey Ellen Campbell
发明人： Jonathan A. Helitzer , Joseph R. Carvalko, Jr. , Kelly L. Frey, Sr. , G. Stewart Murchie , Susannah Chen , Steven Rippel , Casey Ellen Campbell
IPC分类号： G06Q40/00 , G06Q40/08 , G06Q50/22 , G06F17/00
CPC分类号： G06Q40/08 , G06F19/00 , G06Q10/0635 , G06Q10/08 , G06Q50/22
摘要： The invention relates to systems and methods for analyzing data collected from sensors monitoring property. In particular, the systems and methods analyze the data to make property insurance underwriting decisions based on the collected sensor data using a computerized process that varies the way in which it manipulates the collected sensor data based on a characteristic of the property being insured, a characteristic of the entity seeking the insurance, and/or on the value of one or more collected data parameters. The invention also relates to systems and methods of making property insurance pricing decisions based on a similarly dynamic computerized process.
摘要翻译：本发明涉及用于分析从传感器监测属性收集的数据的系统和方法。特别地，系统和方法分析数据以基于所收集的传感器数据进行财产保险承保决定，所述计算机化过程基于被保险属性的特性来改变其操纵收集的传感器数据的方式，寻求保险的实体，和/或一个或多个收集的数据参数的价值。本发明还涉及基于类似动态的计算机化过程制定财产保险定价决定的系统和方法。

85. 发明授权

US09256906B2 Systems and methods for sensor-enhanced activity evaluation 有权
标题翻译：传感器增强活动评估的系统和方法
公开(公告)号：US09256906B2
公开(公告)日：2016-02-09
申请号：US14143941
申请日：2013-12-30
申请人： Hartford Fire Insurance Company
发明人： Andrew J. Amigo , Michael Gingrave
IPC分类号： G08B21/00 , G06Q40/08 , A61B5/103 , A61B5/11 , A61B5/00
CPC分类号： G06Q40/08 , A61B5/1038 , A61B5/1112 , A61B5/1115 , A61B5/1118 , A61B5/112 , A61B5/1121 , A61B5/1123 , A61B5/6804 , A61B5/6807 , A61B2503/20 , G06F19/00 , G06Q10/105 , G16H50/30
摘要： Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility.
摘要翻译：讨论了提供传感器增强安全，恢复和活动评估系统的系统和方法。监控用户活动和行为的传感器由用户佩戴和/或放置在用户环境中。处理来自传感器的数据以获得安全，恢复和/或活动评估。根据覆盖用户，用户雇主或向用户提供医疗保健的设施的评估，建议或调整条款，以准确反映与用户，雇主和/或设施相关的风险。

86. 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。

87. 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。

88. 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。

89. 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。

90. 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。

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