Applying funds is disclosed. A set of interfaces for configuring filtering criteria and receiving user configurations of the filtering criteria is displayed. Fund information pertaining to a fund that is to be applied to one or more receivables under an insurance policy account is received. A set of eligible receivables is identified based on filtering information included in the fund information and a set of preconfigured filtering criteria. A set of ranked receivable partitions to which the fund is applied is established based on a set of preconfigured priority criteria and using the fund information and information associated with the set of eligible receivables. The fund is applied to the ranked receivables partitions according to the rankings.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Software as a service (SaaS) featuring software for providing data models and analytics information to insurers to better quantify risk and improve business performance
3.
METHOD AND SYSTEM FOR ASSESSING HAZARD RISKS ASSOCIATED WITH GEOGRAPHICAL LOCATIONS
A method and a system for assessing hazard risks associated with geographical locations are provided. The server receives information associated with a geographical location from a user device. The server identifies a hazard associated with the geographical location based on the historical hazard data. The server retrieves one or more files associated with the hazard. The server determines a first risk score for the geographical location based on at least the one or more files or a first set of rules associated with the hazard. The server determines a second risk score for the geographical location based on at least the one or more files or a second set of rules associated with the hazard. The server determines the second risk score when a criterion associated with the hazard is met. The server communicates at least one of the first risk score or the second risk score to a user.
Systems and methods for cyber risk analysis and remediation using network monitored sensors are provided herein. An example system includes one or more data collecting devices deployed within a network that collect entity information and monitor network traffic of the network that is related to security information. The network includes computing systems that are subject to a cyber risk policy having breach parameters defining one or more events that are indicative of a cyber security breach. A cyber security risk assessment and management system is used to automatically detect occurrence of one or more of the events that are indicative of a cyber security breach, automatically determine the breach parameters that apply for the one or more events that occurred, and generates a remediation of cyber security parameters for the network.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Recorded and downloadable computer software for the
distribution, sale, evaluation, data analytics for and
ongoing processing of insurance policies. Software as a service (SaaS) featuring software for the
distribution, sale, evaluation, data analytics for and
ongoing processing of insurance policies; computer
consulting for others related to the maintenance,
installation and use of computer software for the
distribution, sale, evaluation, data analytics for and
ongoing processing of insurance policies.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Recorded and downloadable computer software for the
investigation, handling, data analytics for and settlement
of insurance claims, and for operation of claim handling
processes. Software as a service (SaaS) featuring computer software for
the investigation, handling, data analytics for and
settlement of insurance claims, and for operation of claim
handling processes; computer consulting services for others
related to the maintenance, installation and use of computer
software for the investigation, handling, data analytics for
and settlement of insurance claims.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Recorded and downloadable computer software for the
calculation, billing, tracking and data analytics of amounts
due for insurance policies and related insurance services,
and for management of billing processes. Software as a service (SaaS) featuring computer software for
the calculation, billing, tracking and data analytics of
amounts due for insurance policies and related insurance
services, and for management of billing processes; computer
consulting services for others related to the maintenance,
installation and use of computer software for the
investigation, handling, data analytics for and settlement
of insurance claims.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Recorded and downloadable computer software for the investigation, handling, data analytics for and settlement of insurance claims, and for operation of claim handling processes. (1) Software as a service (SaaS) featuring computer software for the investigation, handling, data analytics for and settlement of insurance claims, and for operation of claim handling processes; computer consulting services for others related to the maintenance, installation and use of computer software for the investigation, handling, data analytics for and settlement of insurance claims.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Recorded and downloadable computer software for the distribution, sale, evaluation, data analytics for and ongoing processing of insurance policies. (1) Software as a service (SaaS) featuring software for the distribution, sale, evaluation, data analytics for and ongoing processing of insurance policies; computer consulting for others related to the maintenance, installation and use of computer software for the distribution, sale, evaluation, data analytics for and ongoing processing of insurance policies.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Recorded and downloadable computer software for the calculation, billing, tracking and data analytics of amounts due for insurance policies and related insurance services, and for management of billing processes. (1) Software as a service (SaaS) featuring computer software for the calculation, billing, tracking and data analytics of amounts due for insurance policies and related insurance services, and for management of billing processes; computer consulting services for others related to the maintenance, installation and use of computer software for the investigation, handling, data analytics for and settlement of insurance claims.
Applying funds is disclosed. A set of interfaces for configuring filtering criteria and receiving user configurations of the filtering criteria is displayed. Fund information pertaining to a fund that is to be applied to one or more receivables under an insurance policy account is received. A set of eligible receivables is identified based on filtering information included in the fund information and a set of preconfigured filtering criteria. A set of ranked receivable partitions to which the fund is applied is established based on a set of preconfigured priority criteria and using the fund information and information associated with the set of eligible receivables. The fund is applied to the ranked receivables partitions according to the rankings.
Signals-based data syndication and collaboration is disclosed. A data store of insurance related data collected from a plurality of carriers is accessed. A pattern is identified based at least in part on data stored in the data store. The pattern is associated with a first set of insurance related data belonging to a first carrier and with a second set of insurance related data belonging to a second carrier. First and second users associated with the first and second carriers are notified, respectively, of the identified pattern. Consent from the first user to share at least a portion of the first set of insurance related data and consent from the second user to share at least a portion of the second set of insurance related data are obtained. At least a portion of the second set of insurance related data that the second user has consented to share is caused to be presented to the first user. At least a portion of the first set of insurance related data that the first user has consented to share is caused to be presented to the second user.
Inferential analysis includes: assessing risk of a cyber security failure in a computer network of an entity, using a computer agent configured to collect information from at least one accessible Internet elements, automatically determining, based on the assessed risk, a change or a setting to at least one element of policy criteria of a cyber security policy; and automatically recommending, based on the assessed risk, a computer network change to reduce the assessed risk.
Assessing risk of a cyber security failure in a computer network of an entity includes: assessing risk of an entity, using a computer agent configured to collect information from at least publicly accessible Internet elements, and automatically recommending, based at least in part on the assessed risk, changes to reduce the assessed risk to mitigate the theoretical damage. The assessed risk comprises a cyber security failure risk in a computer network of the entity; and the assessing of risk comprises: generating a disaster scenario that comprises elements of a disaster event; modeling the disaster scenario against a profile of the entity; and determining theoretical damage based at least in part on the modeling.
G06Q 40/06 - Asset management; Financial planning or analysis
H04L 69/40 - Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass for recovering from a failure of a protocol instance or entity, e.g. service redundancy protocols, protocol state redundancy or protocol service redirection
15.
Method and apparatus for managing revisions and tracking of insurance policy elements
An insurance policy management computing system (201) stores a legally-binding insurance policy as a read-only document including the complete policy history. To facilitate revisions to the policy, the computing system (201) provides an opportunity (202) to revise an insurance policy and recalls (203) the currently legally-binding insurance policy. Since the legally-binding insurance policy is a read-only document, the computing system (201) uses the legally-binding policy to generate an editable version that is a complete copy of the legally-binding policy. Once the editable version of the insurance policy has been generated, the input revisions can be incorporated into the policy and then, the revised version of the insurance policy is saved as a read-only, now-current version of the insurance policy. The new legally-binding insurance policy has a new creation and effective dates of the various policy elements. To evaluate the insurance policy, the most recently bound legally-binding insurance policy is accessed and that document contains the currently effective policy, as well as the policy history.
A technique of obtaining update data from a database includes accessing configuration data associated with a particular entity in a plurality of entities. The configuration data includes a specification of how to extract a set of entity generated data records from a remote data store associated with the particular entity. The remote data store associated with the particular entity comprises common data elements shared by the plurality of entities and entity-specific data elements specified by the particular entity. It further includes determining whether values for a data field specified in the configuration data have been previously extracted from the remote data store. It further includes generating, according to the specification included in the configuration data, a query for values associated with the data field. Generating the query comprises determining a range indicator that indicates a time period of data values to be extracted. The range indicator is determined based at least in part on the determination of whether values for the data field have been previously extracted. It further includes, based at least in part on the generated query, extracting, from the remote data store, values for the data field corresponding to the determined range indicator. It further includes storing the extracted values to a data store of a central host component that provides services to the plurality of entities.
A system for presenting operational data is disclosed. The system includes a storage element to store a plurality of insurance policies and a product designer module to: maintain an insurance product model that specifies possible configurations of insurance policy products associated with the plurality of insurance policies; obtain operational data pertaining to a set of existing insurance transactional data associated with the insurance policies; and present to be displayed: at least a portion of the insurance product model comprising a set of insurance product model elements and at least some of the operational data corresponding to the set of insurance product model elements.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Recorded and downloadable computer software for the calculation, billing, tracking and data analytics of amounts due for insurance policies and related insurance services, and for management of billing processes Software as a service (SaaS) featuring computer software for the calculation, billing, tracking and data analytics of amounts due for insurance policies and related insurance services, and for management of billing processes; computer consulting services for others related to the maintenance, installation and use of computer software for the calculation, billing, tracking and data analytics of amounts due for insurance policies and related insurance services, and for management of billing processes
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Recorded and downloadable computer software for the investigation, handling, data analytics for and settlement of insurance claims, and for operation of claim handling processes Software as a service (SaaS) featuring computer software for the investigation, handling, data analytics for and settlement of insurance claims, and for operation of claim handling processes; computer consulting services for others related to the maintenance, installation and use of computer software for the investigation, handling, data analytics for and settlement of insurance claims
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Recorded and downloadable computer software for the distribution, sale, evaluation, data analytics for and ongoing processing of insurance policies Software as a service (SaaS) featuring software for the distribution, sale, evaluation, data analytics for and ongoing processing of insurance policies; computer consulting services for others related to the maintenance, installation and use of computer software for the distribution, sale, evaluation, data analytics for and ongoing processing of insurance policies
21.
DEFERRED SYNCHRONIZATION FOR WORK UNIT-RELATED DATA
Deferred data synchronization includes obtaining at least a portion of a copy of a work unit from a system of record, the work unit comprising a plurality of categories, each category comprising a set of one or more elements; while a client device is offline with respect to the system of record, performing an offline action that includes a modification to an element of the copy of the work unit, recording locally the modification to the element of the copy of the work unit, and deferring synchronization of the modification with the system of record; and synchronizing the modification with the system of record, including causing the system of record to detect whether the modification is in conflict with the work unit on the system of record.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
A technique of obtaining update data from a database includes accessing configuration data associated with a particular entity in a plurality of entities. The configuration data includes a specification of how to extract a set of entity generated data records from a remote data store associated with the particular entity. The remote data store associated with the particular entity comprises common data elements shared by the plurality of entities and entity-specific data elements specified by the particular entity. It further includes determining whether values for a data field specified in the configuration data have been previously extracted from the remote data store. It further includes generating, according to the specification included in the configuration data, a query for values associated with the data field. Generating the query comprises determining a range indicator that indicates a time period of data values to be extracted. The range indicator is determined based at least in part on the determination of whether values for the data field have been previously extracted. It further includes, based at least in part on the generated query, extracting, from the remote data store, values for the data field corresponding to the determined range indicator. It further includes storing the extracted values to a data store of a central host component that provides services to the plurality of entities.
A technique of inter-frame communication during an insurance related workflow includes receiving from a client a request to provide content that is renderable on the client, the content including code used to invoke a third party engine and to render results from the third party engine on the client in a child frame that is embedded in a parent frame. It further includes obtaining the content. It further includes sending the content to the client to be rendered in the child frame.
Managing insurance policy configuration includes receiving information pertaining to an administrator-configured answer container configured to store answers to a set of administrator-configured questions and information pertaining to the administrator-configured question set. It further comprises establishing an association between the administrator-configured question set and the administrator-configured answer container; and establishing an association between a user interface context and the administrator-configured answer container, such that the set of administrator-configured questions are also associated with the user interface context.
A technique of inter-frame communication during an insurance related workflow includes receiving from a client a request to provide content that is renderable on the client, the content including code used to invoke a third party engine and to render results from the third party engine on the client in a child frame that is embedded in a parent frame. It further includes obtaining the content. It further includes sending the content to the client to be rendered in the child frame.
41 - Education, entertainment, sporting and cultural services
Goods & Services
Educational services, namely, providing podcasts discussing
topics of interest to the property and casualty insurance
industry (term considered too vague by the International
Bureau - Rule 13 (2) (b) of the Regulations).
Signals-based data syndication and collaboration is disclosed. A data store of insurance related data collected from a plurality of carriers is accessed. A pattern is identified based at least in part on data stored in the data store. The pattern is associated with a first set of insurance related data belonging to a first carrier and with a second set of insurance related data belonging to a second carrier. First and second users associated with the first and second carriers are notified, respectively, of the identified pattern. Consent from the first user to share at least a portion of the first set of insurance related data and consent from the second user to share at least a portion of the second set of insurance related data are obtained. At least a portion of the second set of insurance related data that the second user has consented to share is caused to be presented to the first user. At least a portion of the first set of insurance related data that the first user has consented to share is caused to be presented to the second user.
Managing insurance policy configuration includes receiving information pertaining to an administrator-configured answer container configured to store answers to a set of administrator-configured questions and information pertaining to the administrator-configured question set. It further comprises establishing an association between the administrator-configured question set and the administrator-configured answer container; and establishing an association between a user interface context and the administrator-configured answer container, such that the set of administrator-configured questions are also associated with the user interface context.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Software as a service (SaaS) featuring computer software for the investigation, handling, settlement and digital analytics of insurance claims, and for operation of related transaction handling processes, and featuring computer software for the distribution, sale, evaluation, digital analytics and ongoing processing of insurance policies
Signals-based data syndication and collaboration is disclosed. A data store of insurance related data collected from a plurality of carriers is accessed. A pattern is identified based at least in part on data stored in the data store. The pattern is associated with a first set of insurance related data belonging to a first carrier and with a second set of insurance related data belonging to a second carrier. First and second users associated with the first and second carriers are notified, respectively, of the identified pattern. Consent from the first user to share at least a portion of the first set of insurance related data and consent from the second user to share at least a portion of the second set of insurance related data are obtained. At least a portion of the second set of insurance related data that the second user has consented to share is caused to be presented to the first user. At least a portion of the first set of insurance related data that the first user has consented to share is caused to be presented to the second user.
Applying funds is disclosed. A set of interfaces for configuring filtering criteria and receiving user configurations of the filtering criteria is displayed. Fund information pertaining to a fund that is to be applied to one or more receivables under an insurance policy account is received. A set of eligible receivables is identified based on filtering information included in the fund information and a set of preconfigured filtering criteria. A set of ranked receivable partitions to which the fund is applied is established based on a set of preconfigured priority criteria and using the fund information and information associated with the set of eligible receivables. The fund is applied to the ranked receivables partitions according to the rankings.
Inferential analysis includes: assessing risk of a cyber security failure in a computer network of an entity, using a computer agent configured to collect information from at least one accessible Internet elements; automatically determining, based on the assessed risk, a change or a setting to at least one element of policy criteria of a cyber security policy; and automatically recommending, based on the assessed risk, a computer network change to reduce the assessed risk.
A technique of processing insurance-related address information includes receiving a starting address specification. It further includes determining a geocode location that is associated with the starting address specification. It further includes providing display information associated with the geocode. It further includes receiving updated address information that is generated within a display of the display information. It further includes determining a reverse geocode associated with the updated address information.
Assessing risk of a cyber security failure in a computer network of an entity includes: assessing risk of an entity, using a computer agent configured to collect information from at least publicly accessible Internet elements, and automatically recommending, based at least in part on the assessed risk, changes to reduce the assessed risk to mitigate the theoretical damage. The assessed risk comprises a cyber security failure risk in a computer network of the entity; and the assessing of risk comprises: generating a disaster scenario that comprises elements of a disaster event; modeling the disaster scenario against a profile of the entity; and determining theoretical damage based at least in part on the modeling.
Applying funds is disclosed. A set of interfaces for configuring filtering criteria and receiving user configurations of the filtering criteria is displayed. Fund information pertaining to a fund that is to be applied to one or more receivables under an insurance policy account is received. A set of eligible receivables is identified based on filtering information included in the fund information and a set of preconfigured filtering criteria. A set of ranked receivable partitions to which the fund is applied is established based on a set of preconfigured priority criteria and using the fund information and information associated with the set of eligible receivables. The fund is applied to the ranked receivables partitions according to the rankings.
Systems and methods for cyber risk analysis and remediation using network monitored sensors are provided herein. An example system includes one or more data collecting devices deployed within a network that collect entity information and monitor network traffic of the network that is related to security information. The network includes computing systems that are subject to a cyber risk policy having breach parameters defining one or more events that are indicative of a cyber security breach. A cyber security risk assessment and management system is used to automatically detect occurrence of one or more of the events that are indicative of a cyber security breach, automatically determine the breach parameters that apply for the one or more events that occurred, and generates a remediation of cyber security parameters for the network.
A technique of configuring insurance policy rate routines includes accessing information representing an insurance product or information representing an insurance policy transaction. It further includes receiving a user input from a user indicating that a rate routine operand is to map to a portion of the information representing the insurance product or a portion of the information representing the insurance policy transaction. It further includes processing the information representing the insurance product or the information representing the insurance policy transaction to obtain one or more appropriate configuration options for the rate routine operand, based at least in part on a context of the rate routine operand. It further includes presenting the one or more appropriate configuration options to the user.
A technique of processing insurance-related address information includes receiving a starting address specification. It further includes determining a geocode location that is associated with the starting address specification. It further includes providing display information associated with the geocode. It further includes receiving updated address information that is generated within a display of the display information. It further includes determining a reverse geocode associated with the updated address information.
A system for presenting operational data is disclosed. The system includes a storage element to store a plurality of insurance policies and a product designer module to: maintain an insurance product model that specifies possible configurations of insurance policy products associated with the plurality of insurance policies; obtain operational data pertaining to a set of existing insurance transactional data associated with the insurance policies; and present to be displayed: at least a portion of the insurance product model comprising a set of insurance product model elements and at least some of the operational data corresponding to the set of insurance product model elements.
A method and a system for assessing hazard risks associated with geographical locations are provided. The server receives information associated with a geographical location from a user device. The server identifies a hazard associated with the geographical location based on the historical hazard data. The server retrieves one or more files associated with the hazard. The server determines a first risk score for the geographical location based on at least the one or more files or a first set of rules associated with the hazard. The server determines a second risk score for the geographical location based on at least the one or more files or a second set of rules associated with the hazard. The server determines the second risk score when a criterion associated with the hazard is met. The server communicates at least one of the first risk score or the second risk score to a user.
Managing workflow on a plurality of installed application components that interact with a central hosted component is disclosed. A rule defined on the central hosted component is obtained. A new action item to be executed on an installed application component in the plurality of installed application components is generated at least in part by applying the obtained rule based at least in part on data provided by the installed application component and information that is managed by the central hosted component. The new action item to be executed by the installed application component is communicated. The new action item modifies a workflow on the installed application component without modifying application code on the installed application component.
A technique of processing insurance data collected from a plurality of companies includes obtaining a company defined configuration that specifies how to extract a set of company generated data records from a data store and how the set of company generated data records is used by an application. The data store includes common data elements shared by the plurality of companies and company-specific data elements specified by a company. It further includes obtaining from the data store the set of company generated data records based on the company defined configuration. It further includes executing the application to process the company generated data records according to how the set of company generated data records is used by the application as specified by the company defined configuration.
Generating a filtered view of an insurance product model is disclosed. A master insurance product model comprising a plurality of insurance policy elements is accessed. Each insurance policy element has a set of one or more availability indicators that indicate one or more conditions under which the insurance policy element is available. A specification of a set of filtering criteria specifying at least one value corresponding to at least one of the set of availability indicators is obtained. The master insurance product model is examined using the set of filtering criteria to generate a resulting insurance product model, wherein the resulting insurance product model is used as a basis for generating specific insurance policies. The resulting insurance product model is presented in a display.
Various embodiments disclosed include, for each entity in a portfolio, receiving entity data indicative of attributes of an entity, determining the received entity data for at least some entities is missing a portion of the entity data required to perform a cyber risk analysis; and synthesizing the missing portion. The method may further include comparing the received entity data and synthesized missing portion for each of the entities to each other; locating clusters of similar entity data shared between two or more of the entities; and calculating a cyber risk score representing how different the entities are to one another based on the entity data that are not shared between entities. Some embodiments include comparing entities that are missing some entity data to entities which have complete entity data, and generating a synthesized portfolio by selecting entities having complete entity data to replace the entities that are missing entity data.
A technique of insurance policy includes obtaining a plurality of hierarchical graphs representing a plurality of insurance policies, wherein each of the hierarchical graphs comprises a plurality of insurance policy related objects. It further includes obtaining a set of matching criteria, including a type of insurance related object to be matched and an identifier associated with the type of insurance related object to be matched. It also includes determining whether an insurance related object in one of the plurality of graphs matches another insurance related object in another one of the plurality of graphs using the set of matching criteria.
Various embodiments of the present technology include methods of assessing risk of a cyber security failure in a computer network of an entity. Some embodiments involve using continual or periodic data collecting to improve inferential analysis, as well as obtaining circumstantial or inferential information from social networks. Machine learning may be used to improve predicitive capabilities. Some embodiments allow for identification of an entity from circumstantial or inferential information based on the machine learning and comparative analyses.
Embodiments of the present technology relate to cyber attack vulnerability analyses. In one embodiment, a method includes determining an external infrastructure of an entity, the external infrastructure including one or more cyber assets utilized by the entity, collecting infrastructure information regarding the one or more cyber assets, performing passive cyber security vulnerability testing on the one or more cyber assets using the collected infrastructure information, and assessing cyber security vulnerabilities of the one or more cyber assets. The method may further include calculating an association score for the one or more cyber assets based on the assessed cyber security vulnerabilities, and automatically recommending, based on the association score, computer network changes to reduce the cyber security vulnerabilities.
Various embodiments of the present technology include methods of assessing risk of a cyber security failure in a computer network of an entity. Some embodiments include generating a disaster scenario that includes elements of a disaster event, modeling the disaster scenario against a profile of the computer network and the entity, determining theoretical damage based on the modeling, and updating a cyber security policy or a network change to mitigate the theoretical damage.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for the investigation, handling, and
settlement of evaluated financial transactions and insurance
claims, and for operation of related transaction handling
processes; computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies;
computer software for the calculation, billing, and tracking
of amounts due for insurance policies and related insurance
services, and for management of billing processes. Software as a service (SaaS) featuring computer software for
the investigation, handling, and settlement of evaluated
financial transactions and insurance claims, and for
operation of related transaction handling processes, and
featuring computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies.
09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for the investigation, handling, and
settlement of evaluated financial transactions and insurance
claims, and for operation of related transaction handling
processes; computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies;
computer software for the calculation, billing, and tracking
of amounts due for insurance policies and related insurance
services, and for management of billing processes. Providing online training courses regarding the use of
software used for the investigation, handling, and
settlement of evaluated financial transactions and insurance
claims, and for operation of related transaction handling
processes; providing online training courses regarding the
use of computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies. Software as a service (SaaS) featuring computer software for
the investigation, handling, and settlement of evaluated
financial transactions and insurance claims, and for
operation of related transaction handling processes, and
featuring computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies;
computer consulting services for others related to the
maintenance installation and use of computer software for
the investigation, handling, and settlement of evaluated
financial transactions and insurance claims, and for
operation of related transaction handling processes.
Generating a quote for a policy is disclosed. An indication of an insurance policy to be quoted is received. An appropriate composite ratebook to apply to the insurance policy to be quoted is determined. The composite ratebook has been previously configured to be associated with a particular set of one or more configuration parameters, one or more rate routines, and one or more rate tables. A rate routine associated with the determined composite ratebook is applied to a coverage in the policy to be quoted.
A technique of tracking insurance funds using an interpretive representation of accounting information includes obtaining a plurality of accounting entities. It further includes deriving, based on the accounting entities, a plurality of funds-source entities and a plurality of funds-use entities. It further includes, in response to an allocation scheme, creating a set of tracking entities that allocate the funds-source entities to the funds-use entities, wherein each tracking entity connects one funds-source entity and one funds-use entity.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for the investigation, handling, and
settlement of evaluated financial transactions and insurance
claims, and for operation of related transaction handling
processes; computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies;
computer software for the calculation, billing, and tracking
of amounts due for insurance policies and related insurance
services, and for management of billing processes; computer
software used to develop software programs. Providing online training courses regarding the use of
software used for the investigation, handling, and
settlement of evaluated financial transactions and insurance
claims, and for operation of related transaction handling
processes; providing online training courses regarding the
use of computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies. Computer consulting services for others related to the
maintenance installation and use of computer software for
the investigation, handling, and settlement of evaluated
financial transactions and insurance claims, and for
operation of related transaction handling processes;
software as a service (SaaS) featuring computer software for
the investigation, handling, and settlement of evaluated
financial transactions and insurance claims, and for
operation of related transaction handling processes, and
featuring computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies.
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing online training courses regarding the use of
software used for the investigation, handling, and
settlement of evaluated financial transactions and insurance
claims, and for operation of related transaction handling
processes; providing online training courses regarding the
use of computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies. Software as a service (SaaS) featuring computer software for
the investigation, handling, and settlement of evaluated
financial transactions and insurance claims, and for
operation of related transaction handling processes, and
featuring computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies.
09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies; computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; computer software for the calculation, billing, and tracking of amounts due for insurance policies and related insurance services for management of insurance claims billing transactions; computer software used to develop software programs in the field of insurance
(2) Computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies; computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; computer software for the calculation, billing, and tracking of amounts due for insurance policies and related insurance services for management of billing transactions (1) Providing online training courses regarding the use of software used for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies; providing online training courses regarding the use of computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
(2) Computer software consulting services for others namely, the maintenance, installation and use of computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies
(3) Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies, and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies; computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; computer software for the calculation, billing and tracking of amounts due for insurance policies and related insurance services, for management of insurance claims billing transactions; computer software used to develop software programs in the field of insurance (1) Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Providing online training courses regarding the use of software used for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies
(2) Providing online training courses regarding the use of computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
(3) Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims and for operation of related transaction handling processes, namely, administration of insurance policies; computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; computer software for the calculation, billing, and tracking of amounts due for insurance policies and related insurance services for management of insurance claims billing transactions; computer software used to develop software programs in the field of insurance (1) Providing online training courses regarding the use of software used for the investigation, handling, and settlement of evaluated financial transactions, namely financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies; providing online training courses regarding the use of computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
(2) Computer software consulting services for others namely, the maintenance, installation and use of computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing and insurance claims, and for operation of related transaction handling processes, namely administration of insurance policies
(3) Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions, namely, financial transactions pertaining to insurance claims in the nature of insurance claims processing, insurance underwriting, and insurance billing and payments processing, and insurance claims, and for operation of related transaction handling processes, namely, administration of insurance policies and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes; computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; computer software for the calculation, billing, and tracking of amounts due for insurance policies and related insurance services, and for management of billing processes; all the foregoing provided with user manuals Providing online training courses regarding the use of software used for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes; providing online training courses regarding the use of computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes, and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; Computer consulting services for others related to the maintenance installation and use of computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes
42 - Scientific, technological and industrial services, research and design
Goods & Services
Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes, and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes; computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; computer software for the calculation, billing, and tracking of amounts due for insurance policies and related insurance services, and for management of billing processes, and instruction manuals related to all the foregoing computer software, sold as a unit Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes, and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing online training courses regarding the use of software used for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes; providing online training courses regarding the use of computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes, and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes; computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies; computer software for the calculation, billing, and tracking of amounts due for insurance policies and related insurance services, and for management of billing processes; computer software used to develop software programs Providing online training courses regarding the use of software used for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes; providing online training courses regarding the use of computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies Software as a service (SaaS) featuring computer software for the investigation, handling, and settlement of evaluated financial transactions and insurance claims, and for operation of related transaction handling processes, and featuring computer software for the distribution, sale, evaluation, and ongoing processing of insurance policies
67.
Cyber vulnerability scan analyses with actionable feedback
Embodiments of the present technology relate to cyber attack vulnerability analyses. In one embodiment, a method includes determining an external infrastructure of an entity, the external infrastructure including one or more cyber assets utilized by the entity, collecting infrastructure information regarding the one or more cyber assets, performing passive cyber security vulnerability testing on the one or more cyber assets using the collected infrastructure information, and assessing cyber security vulnerabilities of the one or more cyber assets. The method may further include calculating an association score for the one or more cyber assets based on the assessed cyber security vulnerabilities, and automatically recommending, based on the association score, computer network changes to reduce the cyber security vulnerabilities.
Various embodiments of the present technology include methods of assessing risk of a cyber security failure in one or more computer networks for an entity. Various embodiments include establishing a plurality of proxy connections with entity resources, evaluating performance of the proxy connections, and scoring the proxy connections based on performance. Various embodiments may further include automatically determining, based on the proxy score, a change or setting regarding the proxy connections. Various embodiments may also include automatically recommending, based on the assessed risk, computer network changes for the one or more computer networks to reduce the assessed risk. Some embodiments may include providing recommended computer network and/or policy changes to reduce the assessed risk, determining the entity has enacted some recommended network changes, and in response, automatically reassessing the risk of a cyber security failure based on the enacted recommended computer network changes.
Various embodiments of the present technology include methods of assessing risk of a cyber security failure in a computer network of an entity. Some embodiments include generating a disaster scenario that includes elements of a disaster event, modeling the disaster scenario against a profile of the computer network and the entity, determining theoretical damage based on the modeling, and updating a cyber security policy or a network change to mitigate the theoretical damage.
Various embodiments of the present technology include methods of assessing risk of a cyber security failure in a computer network of an entity. Some embodiments involve using continual or periodic data collecting to improve inferential analysis, as well as obtaining circumstantial or inferential information from social networks. Machine learning may be used to improve predicitive capabilities. Some embodiments allow for identification of an entity from circumstantial or inferential information based on the machine learning and comparative analyses.
Deferred data synchronization includes obtaining at least a portion of a copy of a work unit from a system of record, the work unit comprising a plurality of categories, each category comprising a set of one or more elements; while a client device is offline with respect to the system of record, performing an offline action that includes a modification to an element of the copy of the work unit, recording locally the modification to the element of the copy of the work unit, and deferring synchronization of the modification with the system of record; and synchronizing the modification with the system of record, including causing the system of record to detect whether the modification is in conflict with the work unit on the system of record.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
72.
Extensible infrastructure for managing workflow on a plurality of installed application components that interact with a central hosted component
Managing workflow on a plurality of installed application components that interact with a central hosted component is disclosed. A new rule is defined on the central hosted component. The new rule is applied, based on data provided by an installed application component and information that is managed by the central hosted component, to generate a new action item to be executed on the installed application component. The new action item to be executed by the installed application component is sent. The new action item modifies a workflow on the installed application component without modifying application code on the installed application component.
Systems and methods for cyber risk analysis and remediation using network monitored sensors are provided herein. An example system includes one or more data collecting devices deployed within a network that collect entity information and monitor network traffic of the network that is related to security information. The network includes computing systems that are subject to a cyber risk policy having breach parameters defining one or more events that are indicative of a cyber security breach. A cyber security risk assessment and management system is used to automatically detect occurrence of one or more of the events that are indicative of a cyber security breach, automatically determine the breach parameters that apply for the one or more events that occurred, and generates a remediation of cyber security parameters for the network.
Various embodiments of the present technology include methods of assessing risk of a cyber security failure in a computer network of an entity. Various embodiments also include automatically determining, based on the assessed risk, a change or a setting to at least one element of policy criteria of a cyber security policy, automatically recommending, based on the assessed risk, computer network changes to reduce the assessed risk, and providing one or more recommended computer network changes to reduce the assessed risk. Various embodiments further include enactment by the entity of at least one of the one or more of the recommended computer network changes to reduce the assessed risk to the entity, determining that the entity has enacted at least a portion of the recommended computer network changes, and in response, automatically reassessing the risk of a cyber security failure based on the enacted recommended computer network changes.
A system for presenting operational data is disclosed. The system includes a storage element to store a plurality of insurance policies and a product designer module to: maintain an insurance product model that specifies possible configurations of insurance policy products associated with the plurality of insurance policies; obtain operational data pertaining to a set of existing insurance transactional data associated with the insurance policies; and present to be displayed: at least a portion of the insurance product model comprising a set of insurance product model elements and at least some of the operational data corresponding to the set of insurance product model elements.
Configuring composite ratebooks includes receiving configuration parameters associated with a composite ratebook; receiving a selection of one or more rate routines to be associated with the composite ratebook; receiving input defining one or more rate tables to be included in the composite ratebook; and generating a composite ratebook including the configuration parameters, the one or more rate routines, and the defined one or more rate tables. A rate routine includes operations used to determine a premium for an insurance coverage. The one or more rate tables include insurance factors used by the one or more selected rate routines to determine premiums for insurance coverages.
Managing insurance product model relationships is disclosed. A dependency data store storing dependency relationships of a plurality of source insurance product model patterns and a corresponding plurality of target insurance product model patterns is maintained. It is detected that a user interface display associated with a source insurance product model pattern is to be updated. The dependency data store is checked to identify a dependency relationship of the source insurance product model pattern and a corresponding target insurance product model pattern. A user interface display associated with the target insurance product model pattern is updated.
Automated assignment of insurance claim work includes: obtaining an insurance claim work unit; identifying among a plurality of users of the insurance claims processing platform a set of eligible users who are eligible to process the insurance claim work unit; and automatically selecting among the set of eligible users a selected user to process the insurance claim work unit, including determining a set of weighted workloads that corresponds to the set of eligible users and applying a set of one or more assignment rules based on the set of weighted workloads.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Predictive analytics and predictive modeling software for use by insurance companies. Insurance consulting in the nature of providing predictive analytics insurance consulting and providing evaluation and analysis of insurance risk behaviour for others; insurance risk assessment, namely, providing a numerical rating of insurability risks. Providing on-line, non-downloadable predictive analytics and predictive modeling software for use in the insurance industry.
Providing configuration of inference logic for insurance policy forms is disclosed, including: presenting to a user: information associated with an insurance policy form; and a set of inference rule types, each inference rule type specifying a corresponding condition under which the form is to be created; receiving a selected inference rule type; presenting a set of insurance product definition templates; receiving a selected insurance product definition template corresponding to the selected inference rule type, the selected insurance product definition template being selected from the set of insurance product definition templates; and storing a mapping associated with the insurance policy form, wherein the mapping includes at least the selected inference rule type and the selected insurance product definition template.
Presenting benefits of an insurance related product includes obtaining a master hierarchical benefits tree comprising a plurality of hierarchical levels, each hierarchical level comprising a plurality of nodes, at least one node in one hierarchical level is preconfigured to be connected to at least one node in an adjacent hierarchical level, the preconfiguration being based at least in part on categorized objectives of an insurance company; receiving a user selection of at least some nodes in the master hierarchical benefits tree; determining a set of available nodes in a next hierarchical level based at least in part on the user selection; and generating a customized hierarchical benefits tree that is formed based at least in part on the user selection and the master hierarchical benefits tree.
Insurance policy management includes: interpreting an insurance product model to facilitate collecting supplemental policy-specific data, the insurance product model defining structures of a plurality of derived insurance policies; obtaining the supplemental policy-specific data; and performing an insurance-related action based at least in part on the supplemental policy-specific data.
Managing insurance policy processing includes: receiving a set of insurance policy hold criteria specifying an insurance policy hold, the insurance policy hold criteria comprising an insurance policy hold period during which the insurance policy hold is in effect; receiving a request to execute an insurance policy processing operation on an insurance policy; determining, based at least in part on the set of policy hold criteria, that the insurance policy processing operation is subject to the insurance policy hold; disallowing the insurance policy processing operation from being executed; determining that the insurance policy hold is to be released; and allowing the insurance policy hold to be released.
A computer-based insurance claim processing system (500) provides for the formation and segregated storage of associations (510) that link various active insurance claims (506) to one another. In addition, if desired, the associations can comprise additional information regarding, for example, the nature or type of association and/or other information as a user may wish to include to inform, control, or otherwise characterize the association and/or the associated claims.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software for the investigation, handling, and
settlement of evaluated financial transactions and insurance
claims, and for operation of related transaction handling
processes; computer software for the distribution, sale,
evaluation, and ongoing processing of insurance policies. Computer consulting services for others related to the
maintenance, installation and use of computer software for
the investigation, handling, and settlement of evaluated
financial transactions and insurance claims, and for
operation of related transaction handling processes.
Managing risks associated with reinsurance includes: obtaining a plurality of insurance policies, each of the plurality of insurance policies comprising a plurality of coverages; identifying, for each insurance policy in the plurality of insurance policies, a set of coverages that corresponds to a geographical location, a policy level liability, or a covered item; and evaluating, for each identified set of coverages, a corresponding reinsurable risk, the evaluation includes determining a total insured value associated with the corresponding reinsurable risk.
A computing platform (201) of choice can be configured and arranged to access (102 and 103) a first memory (202) that stores attributes which specifically characterize a particular candidate insurance entity and a second memory (203) that stores mappings which relate insurance policy element availability for a plurality of insurance policy elements to various corresponding insurance entity characterizing attributes. The aforementioned attributes, by one approach, correspond to respective end user-configurable dimensions. This platform can then serve (104) as a matching component by automatically using the aforementioned mappings to determine available insurance policy elements for the particular candidate insurance entity as a function of these attributes and then automatically using (105) those available insurance policy elements to configure an insurance policy consistent with these mappings.
Insurance billing includes receiving a plurality of exceptions arising out of one or more billing events and associated with one or more billed parties; categorizing the plurality of exceptions into a plurality of exception groups based at least in part on one or more types of exceptions; determining, for an exception group corresponding to a particular type of exception, a plurality of exception metrics for each of one or more corresponding billed parties; presenting, to the user, a selectable plurality of exception groups; and in response to a user selection of a particular exception group, presenting to the user one or more billed party identifiers of the one or more corresponding billed parties in the particular exception group and the plurality of exception metrics determined for each of the one or more corresponding billed parties.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H04M 15/00 - Arrangements for metering, time-control or time-indication
Managing insurance information includes obtaining account information associated with an insurance account, selectively indicating a first portion of the account information that includes versioned information and a second portion of the account information that includes non- versioned information, obtaining policy information of an insurance policy associated with the insurance account, including copying at least some of the versioned information as a first portion of the insurance policy, and establishing a link between at least some of the non-versioned information and a second portion of the insurance policy. The second portion of the insurance policy that is linked with the non-versioned information is automatically updated to reflect changes to the non-versioned information.
An insurance product model comprising insurance policy metadata is provided (101) in a computer memory. The insurance policy metadata may comprise, at least in part, data that describes information that comprises a given corresponding insurance policy. A computer then serves to substantively interpret (102) this insurance product model to facilitate obtaining supplemental policy-specific data. The supplemental policy-specific data and the insurance policy metadata comprise separate and discrete data models and may, if desired, be stored (103) separately from one another. So configured, these teachings further support using (104) the insurance product model and the supplemental policy-specific data to facilitate an insurance-related action.
An insurance policy management computing system (201) stores a legally-binding insurance policy as a read-only document including the complete policy history. To facilitate revisions to the policy, the computing system (201) provides an opportunity (202) to revise an insurance policy and recalls (203) the currently legally-binding insurance policy. Since the legally-binding insurance policy is a read-only document, the computing system (201) uses the legally-binding policy to generate an editable version that is a complete copy of the legally-binding policy. Once the editable version of the insurance policy has been generated, the input revisions can be incorporated into the policy and then, the revised version of the insurance policy is saved as a read-only, now-current version of the insurance policy. The new legally-binding insurance policy has a new creation and effective dates of the various policy elements. To evaluate the insurance policy, the most recently bound legally-binding insurance policy is accessed and that document contains the currently effective policy, as well as the policy history.
An insurance policy management computing system (201) stores a legally-binding insurance policy as a read-only document including the complete policy history. To facilitate revisions to the policy, the computing system (201) provides an opportunity (202) to revise an insurance policy and recalls (203) the currently legally-binding insurance policy. Since the legally-binding insurance policy is a read-only document, the computing system (201) uses the legally-binding policy to generate an editable version that is a complete copy of the legally-binding policy. Once the editable version of the insurance policy has been generated, the input revisions can be incorporated into the policy and then, the revised version of the insurance policy is saved as a read-only, now-current version of the insurance policy. The new legally-binding insurance policy has a new creation and effective dates of the various policy elements. To evaluate the insurance policy, the most recently bound legally-binding insurance policy is accessed and that document contains the currently effective policy, as well as the policy history.
A computer-based billing system presents, via an end-user interface, a plurality of exceptions as have occurred with respect to corresponding billing events as pertain to a plurality of billed parties while also presenting exceptions metrics as pertain to this plurality of exceptions. These exceptions metrics include at least one age-related metric, at least one financial-related metric, and at least one count-related metric. These teachings then further provide for permitting the end user to selectively prioritize the presenting of the plurality of exceptions as a function of at least one of these exceptions metrics.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H04M 15/00 - Arrangements for metering, time-control or time-indication
94.
Methods for digital management of underwriting insurance contracts
Disclosed are methods of underwriting insurance contracts. In one embodiment a method comprises receiving from a registered user a request for approval of the insurance contract, the request for approval of the insurance contract including underwriting parameters of the insurance contract; reading, from a user database underwriting criteria corresponding to the user; determining whether the underwriting parameters of the insurance contract satisfy the underwriting criteria of the user; and providing an interface including a status message indicating that at least one underwriting criterion is not satisfied, if at least one underwriting criterion is not satisfied. The interface can include a graphical element linking a part of the status message with a displayed parameter of the contract. In another embodiment the method further comprises determining whether the underwriting parameters of the insurance contract satisfy underwriting criteria corresponding to a managing user with a greater scope of authority than the registered user.
Disclosed are systems for underwriting insurance contracts. In one embodiment a system comprises a rules database of business rules specifying one or more conditions based upon one or more underwriting parameters; a user database comprising entries corresponding to registered users; and a processor configured to: provide to the user a form having a plurality of data fields generated based upon the underwriting parameters specified in the business rules; receive a plurality of inputted underwriting parameters corresponding to the data fields; determine whether the inputted underwriting parameters satisfy the business rules; and if at least one of the inputted underwriting parameters does not satisfy the business rules, provide a status message indicating that at least one business rule is not satisfied. The status message can be provided in an interface that includes a graphical element linking a part of the status message with a portion of the displayed form.
An insurance policy is stored (101) as a plurality of discrete temporally-sequential policy data revisions. A legally binding revision for a first given date is then determined (102) by identifying all policy data revisions effective on the first given date and choosing a most temporally recent policy data revision temporally prior to a second given date. When a new policy data revision is (103) temporally subsequent as compared to a first policy data revision and also comprises a legally effective date range preceding at least in part an effective date range of the first policy data revision, legally non-overlapping policy data revisions are created (104) for each legally overlapping effective date range as exists between the new policy data revision and all temporally preceding revisions. Each newly-created legally non-overlapping policy data revision comprises changes introduced by the new policy data revision and at least one temporally preceding policy data revision.
A computer-based processing system (29) for use in managing incident-related work provides an address book (103) containing a plurality of entries that persist independently of incident durations and that comprise contact information for corresponding entities. New contact information is then received (102) via the user interface, stored, and associated with a given incident and as regards an entity. The system then provides for establishing a link (103) between the stored contact information and a corresponding entry in the address book to thereby associate information that corresponds to a same entity, such that the link can facilitate subsequent processing of at least one of an incident and contact information.
G06F 7/00 - Methods or arrangements for processing data by operating upon the order or content of the data handled
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
