Patent Issued for Interactive graphical user interface for insurance claim handlers including identifying insurance claim risks and health scores via a body diagram dashboard (USPTO 11783259): Hartford Fire Insurance Company

2023 OCT 27 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Alexandria, Virginia, by NewsRx journalists, a patent by the inventors Cushman, Andrew C (N Syracuse, NY, US), Kamyshin, Oksana (Spring, TX, US), Palmer, Kari Anne (Avon, CT, US), Servidone, Courtney E. (Baldwinsville, NY, US), Shemesh, Keren (West Hartford, CT, US), filed on January 14, 2022, was published online on October 10, 2023.

The assignee for this patent, patent number 11783259, is Hartford Fire Insurance Company (Hartford, Connecticut, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “It may be advantageous to analyze the risks and resource allocations associated with multiple systems and/or entities. For example, it might be advantageous to understand particular amounts of risk and allocations and the impact that such risks and allocations may have had on past (and, potentially, future) performance. Moreover, an enterprise might want to facilitate understanding and reaction to requests for allocations of resources-and a manual review of such requests may be an important part of this process. The breadth and depth of information associated with resource requests, often over an extended period of time, can overwhelm such a review process. That is, manually examining and understanding these types of risks and allocations associated with risk relationships can be a complicated, time consuming, and error-prone task, especially when there are a substantial number of inter-related systems, entities, characteristics impacting resource allocations, and/or other factors involved in the analysis.

“It would be desirable to provide systems and methods to provide an automated risk relationship resource allocation tool in a way that provides faster, more accurate results as compared to traditional approaches.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “According to some embodiments, systems, methods, apparatus, computer program code and means are provided to provide an automated risk relationship resource allocation tool in a way that provides faster, more accurate results as compared to traditional approaches and that allow for flexibility and effectiveness when responding to those results. In some embodiments, a system may provide an automated risk relationship resource allocation tool via back-end application computer server of an enterprise. The system may include a resource allocation data store that contains electronic records representing requested resource allocations between the enterprise and a plurality of entities. The server may receive an indication of a selected requested resource allocation and retrieve, from the resource allocation data store, the electronic record associated with the selected requested resource allocation. The server may execute a machine learning algorithm to generate an overall score for the selected requested resource allocation and generate a request health index via an analytic model for the entity associated with the selected requested resource allocation. The system may then support a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing resource allocation data including the overall score and the request health index.

“Some embodiments comprise: means for receiving, by a computer processor of a back-end application computer server from a resource allocation data store, an indication of a selected requested resource allocation between an enterprise and an entity, wherein the resource allocation data store contains electronic records that represent a plurality of requested resource allocations between the enterprise and a plurality of entities, and further wherein each electronic record includes an electronic record identifier and a set of resource allocation values associated with risk attributes; means for retrieving, from the resource allocation data store, the electronic record associated with the selected requested resource allocation, including the set of resource allocation values associated with risk attributes; means for executing a machine learning algorithm to generate an overall score for the selected requested resource allocation; and means for generating a request health index via an analytic model for the entity associated with the selected requested resource allocation, wherein the back-end application computer server supports a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing resource allocation data including the overall score and the request health index.

“In some embodiments, a communication device associated with a back-end application computer server exchanges information with remote devices in connection with an interactive graphical user interface. The information may be exchanged, for example, via public and/or proprietary communication networks.

“A technical effect of some embodiments of the invention is an improved and computerized way to provide an automated risk relationship resource allocation tool in a way that provides faster, more accurate results as compared to traditional approaches. With these and other advantages and features that will become hereinafter apparent, a more complete understanding of the nature of the invention can be obtained by referring to the following detailed description and to the drawings appended hereto.”

The claims supplied by the inventors are:

“1. A system to provide a workers compensation insurance claim dashboard tool via a back-end application computer server of an enterprise, comprising: (a) a claims data store containing electronic records that represent a plurality of workers compensation insurance claims, wherein each electronic record includes an electronic record identifier and a set of data associated with attributes of the workers compensation insurance claims; (b) the back-end application computer server, coupled to the claims data store, the back-end application computer server including a processor and a memory device in communication with the processor, the memory device storing program instructions for controlling the processor, the back-end application computer server programmed to: (i) receive an indication of a selected claim, (ii) retrieve, from the claim data store, the electronic record associated with the selected claim, including the set of data associated with attributes of the selected claim, without retrieving electronic records associated with the other workers compensation insurance claims, (iii) aggregate, by an insurance claim analysis tool, data included in the retrieved electronic record along with: an overall score for the selected claim generated by a machine learning algorithm trained with data associated with prior insurance claims, data received from a third-party, and information from a predictive model that utilizes data fields and text flags identified in received files, and (iv) process the aggregated data to generate display data, © a communication port coupled to the back-end application computer server; (d) a display device receiving the display data via the communication port and the distributed communication network, the display device presenting a graphical interactive user interface display in accordance with the received display data, the graphical interactive user interface display including: a claim detail data header; body diagrams including graphical representation of an injury incurred by a claimant associated with the selected claim; a plurality of bar graphs each indicative of a payment made with respect to the selected claim; and a plurality of dial displays each indicative of a respective attribute of the selected claim, a first one of said dial displays indicating a first claim score with respect to the selected claim, and a second one of said dial displays indicating a second claim score with respect to the selected claim; at least one of said dial displays indicating risk related data associated with the selected claim; at least one of said dial displays being selectable to provide an additional page of information regarding the selected claim; (e) an email server, coupled to the back-end application computer server, that automatically receives information from the back-end application computer server to facilitate processing of the selected claim; and (f) a calendar application, coupled to the back-end application computer server, that automatically receives information from the back-end application computer server to facilitate processing of the selected claim.

“2. The system of claim 1, wherein the graphical interactive user interface display further provides a radar map to draw attention to factors related to the selected claim that are associated with high-risk conditions.

“3. The system of claim 1, further comprising: a workflow application, coupled to the back-end application computer server, that automatically receives information from the back-end application computer server to facilitate processing of the selected claim.

“4. The system of claim 1, wherein the set of data associated with attributes of the workers compensation insurance claims in the claims data store includes at least one of: an insurance claim identifier; an insured name; an insurance policy identifier; a type of injury; and a status.

“5. The system of claim 1, wherein the data received from the third party includes at least one of: information from medical providers; and police reports.

“6. The system of claim 1, wherein one of the plurality of bar graphs on the graphical interactive user interface display comprises a total cost bar graph.

“7. The system of claim 1, wherein the graphical interactive user interface display further includes information about a last payment to the claimant.

“8. The system of claim 7, wherein the information about the last payment to the claimant includes at least one of: a payment type; a status; a payment date; and a link to further payment details.

“9. A computerized method to provide a workers compensation claim dashboard tool via a back-end application computer server of an enterprise, the back-end application computer server including a processor and a memory device in communication with the processor, the memory device storing program instructions for controlling the processor, the method comprising: receiving, by the processor of the back-end application computer server from a claims data store, an indication of a selected claim, wherein the claims data store contains electronic records that represent a plurality of workers compensation insurance claims, and further wherein each electronic record includes an electronic record identifier and a set of data associated with attributes of the workers compensation insurance claims; retrieving, from the claims data store, the electronic record associated with the selected claim, including the set of data associated with attributes of the selected claim, without retrieving electronic records associated with the other workers compensation insurance claims; aggregating, by an insurance claim analysis tool, data included in the retrieved electronic record along with: an overall score for the selected claim generated by a machine learning algorithm trained with data associated with prior insurance claims, data received from a third-party, and information from a predictive model that utilizes data fields and text flags identified in received files; processing the aggregating data to generate display data; receiving, by a display device, the display data; presenting, by the display device, a graphical interactive user interface display in accordance with the received display data, the graphical interactive user interface display including: a claim detail data header; body diagrams including graphical representation of an injury incurred by a claimant associated with the selected claim; a plurality of bar graphs each indicative of a payment made with respect to the selected claim; and a plurality of dial displays each indicative of a respective attribute of the selected claim, a first one of said dial displays indicating a first claim score with respect to the selected claim, and a second one of said dial displays indicating a second claim score with respect to the selected claim; at least one of said dial displays indicating risk related data associated with the selected claim; at least one of said dial displays being selectable to provide an additional page of information regarding the selected claim; automatically receiving, by an email server coupled to the back-end application computer server, information from the back-end application computer server to facilitate processing of the selected claim; and automatically receiving, by a calendar application coupled to the back-end application computer server, information from the back-end application computer server to facilitate processing of the selected claim.

“10. The method of claim 9, wherein the graphical interactive user interface display further provides a radar map to draw attention to factors related to the selected claim that are associated with high-risk conditions.

“11. The method of claim 9, further comprising: automatically receiving, by a workflow application coupled to the back-end application computer server, information from the back-end application computer server to facilitate processing of the selected claim.

“12. The method of claim 9, wherein the set of data associated with attributes of the workers compensation insurance claims in the claims data store includes at least one of: an insurance claim identifier; an insured name; an insurance policy identifier; a type of injury; and a status.

“13. The method of claim 9, wherein the data received from the third party includes at least one of: information from medical providers; and police reports.

“14. The method of claim 9, wherein one of the plurality of bar graphs on the graphical interactive user interface display comprises a total cost bar graph.

“15. The method of claim 9, wherein the graphical interactive user interface display further includes information about a last payment to the claimant.

“16. The method of claim 15, wherein the information about the last payment to the claimant includes at least one of: a payment type; a status; a payment date; and a link to further payment details.”

There are additional claims. Please visit full patent to read further.

For more information, see this patent: Cushman, Andrew C. Interactive graphical user interface for insurance claim handlers including identifying insurance claim risks and health scores via a body diagram dashboard. U.S. Patent Number 11783259, filed January 14, 2022, and published online on October 10, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11783259)&db=USPAT&type=ids

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