According to some embodiments, a risk monitoring data store may contain a set of electronic data records, with each electronic data record being associated with a stream of sensor data received via a communication network from a remote set of sensor systems located at a risk monitoring site. A risk analytics platform computer may receive information associated with the sensor data in substantially real-time and analyze the received sensor data, using at least one risk analytics algorithm, to detect an abnormal pattern associated with a predicted elevated level of risk at the risk monitoring site. The risk analytics platform computer may also automatically transmit a result of the analysis to a risk operations platform. The risk operations platform may then implement an active risk mitigation adjustment at the risk monitoring site responsive to the result of the analysis.
H04L 67/12 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance
H04L 67/125 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance en impliquant la commande des applications des terminaux par un réseau
According to some embodiments, an input device may receive wage statement information via a web portal, including jurisdiction information associated with an injury. A computer system may then ingest third-party data associated with an insured. An indication of a pay period frequency may be received from the insured along with an indication of an initial pay period begin date via the web portal. A series of pay period begin date and pay period end date fields may then be automatically pre-populated based on the jurisdiction, the third-party data, the pay period frequency, and initial pay period begin date. Wage values associated with a plurality of the pay period begin date and pay period end date fields may be received from the insured, and an electronic wage statement file may be generated based on the received wage values.
A data science model score database may contain electronic records, each including a data science model identifier and a set of data science model scores. A data science model score server, coupled to the data science model score database, may receive (from a remote user device) an indication of a selected data science model. The server may then retrieve, from the data science score database, information about the selected data science model. Based on the retrieved information, the server may automatically calculate a maturity score for the selected data science model in accordance with a scalable score, a service-oriented score, a validated score, and a productized score. When the server receives from the remote user device an adjustment to at least one of the scalable score, the service-oriented score, the validated score, and the productized score, it may automatically re-calculate the maturity score for the selected data science model.
A plurality of risk relationship sensors, including at least one image capturing sensor (e.g., a camera), may each include an environment characteristic detection element, a power source, and a communication device to transmit data associated with risk relationship sensor data at a site. A risk relationship data store may contain electronic records associated with prior risk relationship events at other sites along with risk relationship sensor location data for those sites. An enterprise analytics platform may automatically analyze the electronic records in the risk relationship data store to create a predictive analytics algorithm. The data associated with potential risk relationship sensor data at the site may then be automatically analyzed, in substantially real-time, using the predictive analytics algorithm, and a result of the analysis may then be transmitted (e.g., to a party associated with the site).
A resource request data store contains electronic records connected to risk relationships with an enterprise (each record may represent a resource request and include a resource request identifier and request characteristics). A back-end application computer server retrieves request characteristics associated with a resource request for a first party. Based on the request characteristics and business rules, the server determines if the resource request for the first party should be immediately assigned to a request handler. If the request is not to be immediately assigned, the server arranges for the first party to answer a dynamic series of questions. Based on answers provided by the first party and a set of investigation rules, automatically determine if the resource request for the first party should be assigned to the request handler or to a specialist to investigate whether another enterprise may be responsible for responding to the resource request, the system utilizes a machine learning algorithm to evaluate resource requests currently assigned to the request handler to determine if any of those resource requests should instead be routed to the specialist. The resource request is then routed to a request handler or the specialist.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of estimated usage attribute values. A back-end application computer server may receive, from a current usage data source, current usage information for the enterprise (e.g., financial information, utility information, IoT information, etc.). Based on the current usage information, the computer server may infer a likely actual current usage for the enterprise. The computer server may then compare the likely actual current usage with the predicted usage attribute value to determine a risk difference result and adjust a risk relationship parameter based on the risk difference result.
Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user, are generated, to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.
A61B 5/103 - Dispositifs de mesure pour le contrôle de la forme, du dessin, de la dimension ou du mouvement du corps ou de parties de celui-ci, à des fins de diagnostic
A61B 5/11 - Mesure du mouvement du corps entier ou de parties de celui-ci, p.ex. tremblement de la tête ou des mains ou mobilité d'un membre
A61B 5/00 - Mesure servant à établir un diagnostic ; Identification des individus
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
A system to provide an automated risk relationship resource allocation tool via back-end application computer server of an enterprise. A resource allocation data store may contain 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.
The present system and method is directed to a process to facilitate trusted sources of information in an enterprise. The present system and method positions data governance to move away from the element level and focus on the data asset (i.e. repository, interface, subject) level. When data persons are having any issue with their data asset, whether it is a conflicting data asset, interface issues, competing data asset, new data asset build, data subject issue, or the like, a certifier may operate to assess the asset based on our well defined metrics, determine the health through the data asset scoring process, recommend asset services, and provide those services to the data owner who is ultimately responsible for implementing them to improve the data and the data processes.
Embodiments may monitor utilization of a machine. A risk relationship data store may contain electronic records that represent a plurality of risk relationships with an enterprise. A device located proximate to the machine includes a plurality of sensors, each sensor configured to monitor at least one parameter (e.g., acceleration, speed, mileage, run-time and location sensors, etc.). A back-end application computer server may calculate an operator behavior score and a machine operation score based on sensor signals. The computer server may also determine a machine characteristics score and an amount of utilization associated with the machine. A risk relationship identifier associated with the machine is identified, and the computer server may automatically and dynamically update a resource amount associated with the risk relationship identifier based on the operator behavior score, the machine operation score, the machine characteristics score, and the amount of utilization associated with the machine.
G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
36 - Services financiers, assurances et affaires immobilières
Produits et services
Consultation services, namely, providing assistance with disability accommodation processes at the workplace for employees; Administration of employee benefits plans concerning insurance and healthcare; Providing information and assistance relating to health and disability insurance plans and employee benefits for group healthcare and insurance
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
FINANCIAL COUNSELING SERVICES FOR DISABILITY CLAIMANTS AND THEIR IMMEDIATE FAMILY MEMBERS PSYCHOLOGICAL AND LEGAL COUNSELING SERVICES FOR DISABILITY CLAIMANTS AND THEIR IMMEDIATE FAMILY MEMBERS
According to some embodiments, data may be received indicative of a plurality of insurance claims along with an indication of an appropriate claim segment classification for each insurance claim. A first claim handler may then be automatically selected for a first insurance claim based at least in part on: (i) a first segment classification associated with the first insurance claim, (ii) numbers of other insurance claims currently assigned to claim handlers, and (iii) load factors associated with claim handlers. An indication of the selected first claim handler may then be transmitted.
A system and method for processing and administering insurance policy premium discounts for mobile device disabling technology to promote safer driver is disclosed. An insurance policy premium discount is determined based on the level of disabling technology implemented by a user on a user's mobile device.
A data analytics system may include a first risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a first risk relationship provider. Similarly, a second risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a second risk relationship provider. A back-end application computer server may include a data mining engine that analyzes a set of electronic records in the first and second risk relationship data stores to identify flags corresponding to risk drivers. A predictive analytics engine may then calculate a risk score associated with the set of electronic records based on the associated entity attribute values and the identified flags corresponding to risk drivers. An insight platform may automatically generate a recommended action for the enterprise to lower the calculated risk score.
G06Q 10/1057 - Avantages sociaux ou bien-être des employés, p.ex. assurances, vacances ou régimes de retraite
G06Q 10/0637 - Gestion ou analyse stratégiques, p. ex. définition d’un objectif ou d’une cible pour une organisation; Planification des actions en fonction des objectifs; Analyse ou évaluation de l’efficacité des objectifs
G06F 16/2458 - Types spéciaux de requêtes, p.ex. requêtes statistiques, requêtes floues ou requêtes distribuées
A system may include a directory-based identity-related services component that authenticates and authorizes enterprise users and computers in a network and enforces security policies. A business intelligence, application development, and application connectivity component may implement business workflow products and exchange application authentication data with the directory-based identity-related services component. A database storage component may provide document management and storage of dashboard tables and lists associated with inventory data received from the business intelligence, application development, and application connectivity component. A cloud-based storage and data management engine may exchange secure authentication storage data with the business intelligence, application development, and application connectivity component. At least one governance or user application may then automatically determine enterprise site inventory information, and, responsive to the determined enterprise site inventory information, automatically determine enterprise site membership information. The dashboard tables and lists may be exchanged in support of a graphical user display.
A back-end application computer server may receive a request along with a descriptive term. A look-up process may be performed based on the descriptive term (and hidden terms) may establish a set of potential pre-determined descriptions. The user may select one of the potential descriptions, and a user identifier may be associated with the request. A series of dynamic information exchanges may then help assign a category to the user identifier. A partial set of initial request details may be received from a third-party device and the user may adjust and/or add details to create a complete set. A potential value may then be calculated for the request. An indication of the potential value may be transmitted to the user, and information about the user identifier may be transmitted to a user response terminal to facilitate communication between the user response terminal and the user.
A system to provide an automated data driven risk relationship review tool via a back-end application computer server of an enterprise. A resource allocation data store may contain 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 automatically calculate a first and second review date for the selected requested resource allocation and automatically establish, between at least two parties, a communication link based on the calculation of the first review date for 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 in connection with the second review date.
G06Q 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
G06N 20/20 - Techniques d’ensemble en apprentissage automatique
G06Q 10/0637 - Gestion ou analyse stratégiques, p. ex. définition d’un objectif ou d’une cible pour une organisation; Planification des actions en fonction des objectifs; Analyse ou évaluation de l’efficacité des objectifs
According to some embodiments, a selection server is in communication with a potential communication device database and a currently participating device database, the potential communication device database storing information about communication devices associated with a transition from a first state to a second state, including at least one communication address associated with each communication device. The selection server may automatically identify a communication device as meeting a pre-determined criteria and copy information about the identified communication device from the potential communication device database to the currently participating device database. A scheduling server may automatically schedule a series of communication events between a monitoring device and the identified communication device and arrange for a communication link to be established for each of the scheduled series of communication events until a transition from the second state back to the first state is detected for the identified communication device.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
H04L 67/10 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau
20.
PROCESSING SYSTEM TO FACILITATE MULTI-REGION RISK RELATIONSHIPS
A multi-region risk relationship data store may contain electronic records representing a plurality of multi-region risk relationships and, for each multi-region risk relationship, an electronic record identifier and a set of multi-region attribute values including a plurality of hierarchical local risk relationship attribute values. A back-end application computer server may receive an indication of a selected risk relationship and display at least some of the associated multi-region attribute values. The server may receive adjustments to some of the multi-region or local risk-relationship attribute values, and displayed information may be automatically and dynamically configured based on the received adjustments and a standalone risk calculation unit. At least some local risk relationship attribute values may be replicated for multiple regions. When adjustments have been completed, the server may automatically assemble a multi-region risk relationship document.
System and methods may facilitate user guidance to risk relationship documents for an enterprise. A risk relationship document data store may contain a set of electronic data records, each electronic data record being associated with a risk relationship document and including a document identifier and a set of document metadata values. A document navigation computer may receive information from a user associated with the enterprise, and, based on the information received from the user and document metadata values, dynamically create a sub-set of the documents in the risk relationship data document data store. An interactive user interface display computer may provide indications associated with the documents in the dynamically created sub-set to the user via an interactive user interface and receive a selected document of the dynamically created sub-set. The user interface display computer may then, responsive to the selection, deliver the selected document to a remote user device.
A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).
According to some embodiments, an automated scoring analysis computer may access information in a historical data store, including sets of attribute values and prior results for a plurality of prior associations, to create a scoring model. An indication of a selected potential association from a potential association data store may be received, including a set of attribute values. The scoring analysis computer may then calculate a risk score for the selected potential association based on the scoring model. A front-end application computer server may automatically select a workflow path from a plurality of potential workflow paths.
Embodiments may monitor operation of a machine and provide feedback to maintain use within certain parameters. Mobile personal communication device sensors are each configured to monitor at least one machine parameter (speed, acceleration, location, etc.), generate a signal encapsulating the monitored machine parameter, and transmit the generated sensor signals to a control unit of the communication device. The control unit may receive the generated sensor signals, store the received signals, and selectively combine the received signals. The communication device also includes a transmitter coupled to the control unit capable of transmitting the combined signal. A transceiver remote from the machine may determine a current machine condition and compare that condition to received conditions from other machines. Feedback may then be provided to adjust operation of the machine based on the comparison. For example, an operator interface may provide audio and/or visual feedback to the operator of a vehicle.
B60W 50/12 - Limitation de la possibilité de commande du conducteur en fonction de l'état du véhicule, p.ex. moyens de verrouillage des grandeurs d'entrées pour éviter un fonctionnement dangereux
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
G07C 5/02 - Enregistrement ou indication du temps de circulation, de fonctionnement, d'arrêt ou d'attente uniquement
B60W 50/00 - COMMANDE CONJUGUÉE DE PLUSIEURS SOUS-ENSEMBLES D'UN VÉHICULE, DE FONCTION OU DE TYPE DIFFÉRENTS; SYSTÈMES DE COMMANDE SPÉCIALEMENT ADAPTÉS AUX VÉHICULES HYBRIDES; SYSTÈMES D'AIDE À LA CONDUITE DE VÉHICULES ROUTIERS, NON LIÉS À LA COMMANDE D'UN SOUS-ENSEMBLE PARTICULIER - Détails des systèmes d'aide à la conduite des véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier
In some embodiments, an input document is received at a tagging platform, via a communication device, and associates it with a tag request. The tagging platform automatically selects at least one electronic record associated with a first user from a user data store containing electronic records associated with users (each record including at least a user identifier and a user communication address). The input document and tag request are transmitted to the communication address associated with the first user, and a document tag is received from the first user. The tagging platform may then store the document tag in a document mining result database by adding an entry to the database identifying the received document tag and transmit an indication associated with the document mining result database to a plurality of risk applications.
A system may receive a first resource allocation request (associated with a first company) from a first entity. The system may determine that the first request is not associated with a risk relationship and arrange for it to be processed via a claim servicing entity. Information about the first request may then be routed to a request handler device for processing and a communication with a first graphical indication may be generated. The system may also receive a second resource allocation request (associated with the first company) from a second entity and determine that it is to be processed via a risk. The system may then route information about the second request to a request handler device for processing and generate a communication with a second graphical indication. Note that the request handler device may be the same device that received the information about the first request.
According to some embodiments, a communication device database may store information about a plurality of communication devices, including at least one communication address associated with each communication device, wherein each communication device is associated with a resource unit. Moreover, a network based segmentation server may access information in a resource status database, automatically assign each resource unit to a resource segment based on at least one pre-determined algorithm and information in the resource status database, and transmit information about the resource segments. A scheduling server, coupled to the segmentation server, may receive the information about the resource segments from the segmentation server, automatically schedule a series of communication events with communication devices in accordance with the resource segments, using the communication addresses, via the distributed communication network, and arrange for communication links to be established for resource units in accordance with the scheduled series of communication events.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
H04L 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p.ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]
H04L 67/60 - Ordonnancement ou organisation du service des demandes d'application, p.ex. demandes de transmission de données d'application en utilisant l'analyse et l'optimisation des ressources réseau requises
28.
SYSTEM WITH CAPACITY AND RESOURCE ALLOCATION DISPLAY TO FACILITATE UPDATE OF ELECTRONIC RECORD INFORMATION
A planned resource allocation data store may contain electronic records representing a plurality of planned resource allocations for an enterprise. An actual resource allocation data store may contain electronic records representing a plurality of actual resource allocations. A back-end application computer server may receive, from a remote user device associated with a first user identifier, data about planned and actual resource allocations and update the data stores. The computer server may also receive an indication of a period of time to be analyzed and access information in the planned and actual resource allocation data stores associated with the first user identifier and the period of time. A total planned occupancy value and a total actual occupancy value may then be calculated and displayed via an interactive user interface based on the accessed information.
A cloud migration framework may include an enterprise application data store that contains electronic records associated with enterprise applications. Each record may include, for example, an electronic record identifier and enterprise application parameters. A data repository stores a catalogue of cloud computing patterns. A back-end application computer server retrieves information from the enterprise application data store and, based on enterprise application parameters, creates a move group representing a subset of the enterprise applications. For each application in the move group, the computer server identifies whether an appropriate cloud computing pattern exists in the catalogue. If an appropriate cloud computing pattern is identified, it is used to automatically create a reference implementation of the enterprise application in a cloud computing environment. If no appropriate cloud computing pattern is identified, a pattern on-boarding process may be initiated to add a new cloud computing pattern to the catalogue.
A multi-vendor risk relationship data store may contain electronic records representing a plurality of risk relationships between multiple vendors and an enterprise and, for each risk relationship, an electronic record identifier and a set of attribute values. An information sharing portal computer server may exchange an information request with a remote vendor platform. The information request may be, for example, associated with an employee of a sponsor associated with the vendor platform. The server may process the information request via a customized vendor-specific information sharing portal interface display and execute an algorithm to adjust, based on at least one attribute value, interactions with the vendor platform via the portal interface display. The server may also aggregate information associated with a plurality of vendor platforms and transmit the aggregated information to a remote administrator device associated with the enterprise.
Mediums, apparatus, computer program code, and means may be provided to customize electronic records associated with a distributed communication network via an automated back-end application computer server. According to some embodiments, a relational database management system database and a plurality of database tables linked to the relational database management system database may be accessed. The back-end application computer server may retrieve electronic record layout information and utilize pre-determined logic associated with the plurality of linked tables, including logic that matches multiple pointers within a single pair of linked tables, to automatically insert accessed data into a customized electronic record in accordance with the electronic record layout information. The customized electronic record may then be transmitted to be rendered via an interactive user interface display.
A computer system for remote interactive graphical display and data management includes a data storage device storing data records, a remote data acquisition computer configured to selectively trigger display actions for the data records based on at least a time-based rule and a time-independent rule; a classification engine configured to classify a response received from a remote display interface having user-selectable options arranged to define a scale of values, in one of two categories, a first category and a second category, being below a first threshold value being classified as being in the first category, and responses on the scale above a second threshold value being in the second category, and a display interface generator configured to selectively generate a supplemental interface or a conclusion message dependent on the category.
A task analysis data store may contain electronic records representing task analysis items for an enterprise. A back-end application computer server may receive, from a remote user device, first step data about task objectives for task identifier and update the task analysis data store. The server may then automatically evaluate the first step data in accordance with a first step data evaluation rule. When the first step data complies with the first step data evaluation rule, the server may permit receipt of second step data about a task analysis and update the task analysis data store. The server may then automatically evaluate the second step data in accordance with a second step data evaluation rule. When the second step data complies with the second step data evaluation rule, the server may permit receipt of third step data about analysis presentation and update the task analysis data store.
G06Q 10/0637 - Gestion ou analyse stratégiques, p. ex. définition d’un objectif ou d’une cible pour une organisation; Planification des actions en fonction des objectifs; Analyse ou évaluation de l’efficacité des objectifs
G06Q 10/0639 - Analyse des performances des employés; Analyse des performances des opérations d’une entreprise ou d’une organisation
34.
SYSTEM AND METHOD FOR ENTERPRISE CHANGE MANAGEMENT EVALUATION
A change management evaluation system may be implemented via a back-end application computer server. An enterprise health data store contains electronic records associated with a set of enterprise units. Each electronic record includes an electronic record identifier and health dimension scores associated with an enterprise’s ability to implement changes. Moreover, one health dimension score is based at least in part on a sentiment score automatically generated by a machine learning algorithm analysis of unstructured text data. The computer server may then automatically retrieve, from the enterprise health data store, the health dimension scores associated with each enterprise unit. A weighted average model may be used to automatically calculate an overall unit health score for each enterprise unit based on the associated health dimension scores. A change management scorecard of an interactive graphical change management display is then updated and displayed based on the overall unit health scores.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
35.
SYSTEM AND METHOD FOR TELEMATICS ACCOUNTS ON-THE-GROUND SAFETY
Some embodiments are directed to an emergency response system implemented via a back-end application computer server. A vehicle telematics data store may contain electronic records and each electronic record may include, for example, an electronic record identifier and at least one vehicle operation parameter (e.g., a vehicle speed, an accident location, an accident time of day, etc.). The computer server may receive, from an emergency responder (e.g., a police officer, ambulance, firefighter, etc.) via an interactive graphical emergency responder interface display, a vehicle tag (e.g., based on a QR code). The computer server may then retrieve, from the vehicle telematics data store, a vehicle operation parameter associated with the vehicle tag and update the display based on the retrieved a vehicle operation parameter associated with the vehicle tag.
G08B 25/00 - Systèmes d'alarme dans lesquels l'emplacement du lieu où existe la condition déclenchant l'alarme est signalé à une station centrale, p.ex. systèmes télégraphiques d'incendie ou de police
H04W 4/90 - Services pour gérer les situations d’urgence ou dangereuses, p.ex. systèmes d’alerte aux séismes et aux tsunamis
H04W 4/44 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p.ex. communication véhicule-piétons pour la communication entre véhicules et infrastructures, p.ex. véhicule à nuage ou véhicule à domicile
A back-end application computer server may access a potential metadata entries data store containing a set of potential metadata entries, each entry including at least a data element name and a data element definition. A metadata collection system may be executed to automatically populate a metadata template based on the set of potential metadata entries. The system may update entries in the metadata template using a translation tool and validate the updated entries in the metadata template to ensure that required data elements are present. The system may also certify the validated entries load the set of certified metadata entries, including the certified data element names and certified data element definitions, into an enterprise metadata repository data store. Electronic messages may be exchanged to support at least one interactive user interface display associated with certification of the metadata template.
G06F 16/20 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet de données structurées, p.ex. de données relationnelles
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06F 16/215 - Amélioration de la qualité des données; Nettoyage des données, p.ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
37.
Closed-loop system incorporating risk analytic algorithm
According to some embodiments, a risk monitoring data store may contain a set of electronic data records, with each electronic data record being associated with a stream of sensor data received via a communication network from a remote set of sensor systems located at a risk monitoring site. A risk analytics platform computer may receive information associated with the sensor data in substantially real-time and analyze the received sensor data, using at least one risk analytics algorithm, to detect an abnormal pattern associated with a predicted elevated level of risk at the risk monitoring site. The risk analytics platform computer may also automatically transmit a result of the analysis to a risk operations platform. The risk operations platform may then implement an active risk mitigation adjustment at the risk monitoring site responsive to the result of the analysis.
H04L 67/12 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance
H04L 67/125 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance en impliquant la commande des applications des terminaux par un réseau
38.
SYSTEM AND METHOD PROVIDING RISK RELATIONSHIP TRANSACTION AUTOMATION IN ACCORDANCE WITH MEDICAL CONDITION CODE
A system to provide a risk relationship transaction automation tool via a back-end application computer server of an enterprise. The system may include a risk relationship data store that contains electronic records representing transactions associated with requested resource allocations between the enterprise and a plurality of entities. The server may receive an indication of a selected requested resource allocation transaction and retrieve, from the risk relationship data store, the electronic record associated with the selected requested resource allocation transaction. The server may then execute a medical code decision model. According to some embodiments, the system may also support a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing resource allocation transaction data.
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p.ex. basé sur des systèmes experts médicaux
G16H 70/60 - TIC spécialement adaptées au maniement ou au traitement de références médicales concernant des pathologies
39.
BI-DIRECTIONAL ENTERPRISE SOFTWARE INTEGRATION WITH COLLABORATION TOOLS
An enterprise platform may retrieve, from a collaboration data store, information about a selected enterprise team. The enterprise platform may then transmit, from a set of integration tools to a workflow tool of a remote cloud-based environment, a data payload including a notification request associated with a channel. The enterprise platform may also transmit, from a runtime environment to a business communication platform of the cloud-based environment, a request to post a notification to the channel and arrange for a member of the selected enterprise team to receive an adaptive information card, pushed by the business communication platform via the channel, containing information associated with at least one of the integration tools. The member who receives the adaptive information card may also, via selection of a graphical icon on the card, respond to the business communication platform via bi-directional communication.
Some embodiments are associated with a system that provides an automated risk relationship resource allocation tool via a back-end application computer server of an enterprise. A resource allocation data store may contain electronic records representing requested resource allocations between the enterprise and a plurality of entities (collected from the entities and service providers). The server may then 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 trained data science model to determine an appropriate workflow for the selected requested resource allocation. The system may then provide a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing resource allocation data to support the determined workflow.
Some embodiments are associated with a system that provides an automated risk relationship resource allocation tool via a back-end application computer server of an enterprise. A resource allocation data store may contain electronic records representing requested resource allocations between the enterprise and a plurality of entities (collected from the entities and service providers). The server may then 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 then automatically determine an initial duration for the selected requested resource allocation based on the shortest of: (i) an entity expected duration, (ii) a service provider expected duration, and (iii) a third-party guideline expected duration. Some embodiments may generate a final recommendation associated with an extension request for a requested resource allocation from an entity depending on whether service provider records are needed.
G16H 70/20 - TIC spécialement adaptées au maniement ou au traitement de références médicales concernant des pratiques ou des directives
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santé; TIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p.ex. pour la gestion du personnel hospitalier ou de salles d’opération
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p.ex. pour des dossiers électroniques de patients
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p.ex. basé sur des systèmes experts médicaux
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
Some embodiments are directed to a resource allocation analysis system implemented via a back-end application computer server. A resource data store may contain electronic records associated with a set of resource types, each electronic record including an electronic record identifier and resource parameter. The back-end application computer server may receive, from the resource data store, information about a set of resource types to be analyzed, including the associated resource parameters. The computer server may then execute a differential evolutionary algorithm to optimize the set of resource types based on at least one non-linear constraint and generate resource analysis results. The back-end application computer server may, according to some embodiments, perform a resampling process that uses non-parameterized historical data, regression on at least one resource type, and moment matching.
A device and method are described for a universal analytical data mart and data structure for same. The analytical data mart (ADM) associated data structure is designed to allow data from disparate sources to be integrated, enabling streamlined business intelligence, reporting and ad hoc analysis. Conceptually, the ADM enables analytics and business intelligence from multiple frames of reference including people, such as parties and actors including individuals and organizations, places, such as addresses with geographic information at various levels of view, objects, such as insured properties, automobiles and machinery, and events, milestones which happen at points in time and provide analytical/business value.
A risk relationship resource model data store contains electronic records for risk relationship resource models. Each electronic record includes an electronic record identifier, model version identifier, period definition, and layer information. A computer server retrieves, from the data store, information about a risk relationship resource model including the model version identifier, period definition, and layer information. The computer server may then receive, from a remote user device, an adjustment to the risk relationship resource model and execute the model, including an experience rating process and an exposure rating process, to generate a prospective resource amount (based in part on the period definition and the layer information). Information about the adjusted risk relationship resource model, including an updated model version identifier, may then be stored into the data store. The remote user device may support interactive actuarial interface displays that collect, calculate, and provide information (including the prospective resource amount).
According to some embodiments, a system to automate platform provisioning for an enterprise includes a platform resource computer store containing a set of electronic data records (each including a component identifier and a set of computing characteristic values). A profile engine may receive a platform request from a user associated with the enterprise and identify, based on data in the platform resource computer store, a resource bundle of components appropriate in view of the platform request. A platform generator may receive platform requirements based on the identified resource bundle of components and provide input data to a REST API service. Final platform definition information for the enterprise may be stored into a central repository. According to some embodiments, a platform provisioning system may process IaaS and PaaS automation components and utilize a return service to generate infrastructure binding data to couple components in the resource bundle to each other.
A computer server may receive an indication of a selected potential relationship and retrieve, from a use case configuration data store, an electronic record for that relationship. The first entity may then construct computer system configurations in accordance with use case parameters. The computer server may be used to evaluate the constructed computer system configurations, and an entity score result for the first entity may be stored into the use case configuration data store. The computer server may also retrieve, from a quality function deployment data store, an electronic record associated with the first entity and update a uniform scoring matrix by assigning weighted score values for the first entity in connection with a set of platform capabilities. An entity selection tool may be executed to automatically select a recommended entity based on the score results and scoring matrixes, and an indication of the recommended entity may be transmitted.
A computer server receives, from a remote user device, information about a new potential risk relationship customer (including at least one new user parameter). Based on the new user parameter, the computer server accesses third-party data and utilizes a stored procedure to read data about the new potential risk relationship customer from an internal table of cloud data. The data read from the internal table is processed to dynamically evolve a schema and create an incremental view of cloud data. The computer server uses the incremental view to read and output a current batch of cloud data. A user interface workflow is then customized via a machine learning algorithm that processes the information about the new potential risk relationship customer, the third-party data, and the current batch of cloud data. A user information data store can then be updated based on information collected via user interface displays.
Some embodiments may facilitate software development and operations for an enterprise. A communication input port may receive information associated with a software continuous integration/deployment pipeline of the enterprise. An intelligent software agent platform, coupled to the communication input port, may listen for a trigger indication from the software continuous integration/deployment pipeline. Responsive to the trigger indication, the intelligent software agent platform may apply system configuration information and rule layer information to extract software log data and apply a machine learning model to the extracted software log data to generate a pipeline health check analysis report. The pipeline health check analysis report may include, for example, an automatically generated prediction associated with future operation of the software continuous integration/deployment pipeline. The intelligent software agent platform may then facilitate transmission of the pipeline health check analysis report via a communication output port and a distributed communication network.
A system to provide an automated data driven risk relationship review tool via a back-end application computer server of an enterprise. A resource allocation data store may contain 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 automatically calculate a first and second review date for the selected requested resource allocation and automatically establish, between at least two parties, a communication link based on the calculation of the first review date for 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 in connection with the second review date.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06Q 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
G06N 20/20 - Techniques d’ensemble en apprentissage automatique
G06Q 10/0637 - Gestion ou analyse stratégiques, p. ex. définition d’un objectif ou d’une cible pour une organisation; Planification des actions en fonction des objectifs; Analyse ou évaluation de l’efficacité des objectifs
52.
SYSTEM AND METHOD PROVIDING LOCATION BASED REGULATORY COMPLIANCE TOOL
Some embodiments are directed to a regulatory compliance tool implemented via a back-end application computer server. A location based regulatory compliance data store may contain electronic records associated with a set of locations. Each electronic record may include, for example, an electronic record identifier and at least one regulatory compliance parameter. The computer server may receive, from a user via an interactive graphical user interface display, a set of task indications associated with regulatory compliance. The computer server may also receive, from the user, a selected location from a set of potential locations. The computer server may then retrieve, from the location based regulatory compliance data store, information about the at least one regulatory compliance parameter associated with the selected location. The computer server may then update the display based on the retrieved information about the at least one regulatory compliance parameter associated with the selected location.
A plurality of risk relationship sensors, including at least one image capturing sensor (e.g., a camera), may each include an environment characteristic detection element, a power source, and a communication device to transmit data associated with risk relationship sensor data at a site. A risk relationship data store may contain electronic records associated with prior risk relationship events at other sites along with risk relationship sensor location data for those sites. An enterprise analytics platform may automatically analyze the electronic records in the risk relationship data store to create a predictive analytics algorithm. The data associated with potential risk relationship sensor data at the site may then be automatically analyzed, in substantially real-time, using the predictive analytics algorithm, and a result of the analysis may then be transmitted (e.g., to a party associated with the site).
Some embodiments are directed to a resource allocation analysis system implemented via a back-end application computer server. A resource data store may contain electronic records associated with a set of resource types, each electronic record including an electronic record identifier and resource parameter. The back-end application computer server may receive, from the resource data store, information about a set of resource types to be analyzed, including the associated resource parameters. The computer server may then execute a differential evolutionary algorithm to optimize the set of resource types based on at least one non-linear constraint and generate resource analysis results. The back-end application computer server may, according to some embodiments, perform a resampling process that uses non-parameterized historical data, regression on at least one resource type, and moment matching.
36 - Services financiers, assurances et affaires immobilières
Produits et services
Operating on-line marketplaces featuring resources for finding local services of others Insurance services, namely, underwriting, issuance and administration of commercial insurance
56.
System and method providing query tool for enterprise resource data
An enterprise resource data store may contain electronic records, each electronic record representing an enterprise resource entry, and including, for each entry, an electronic record identifier and a set of enterprise values. A series query data store may contain electronic records, each electronic record representing a series query, and including, for each series query, an electronic record identifier and a set of pre-defined single query parameters. A back-end application computer server may receive, from a remote user device, a selected series query. The server may then retrieve, from the series query data store, information about a selected set of pre-defined single query parameters including comparison period data. In addition, the server may retrieve, from the enterprise resource data store, information about enterprise resource entries associated with the selected set and comparison period data. The server may then arrange to output an indication of step analysis results and analysis notes.
A data analytics system may include a first risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a first risk relationship provider. Similarly, a second risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a second risk relationship provider. A back-end application computer server may include a data mining engine that analyzes a set of electronic records in the first and second risk relationship data stores to identify flags corresponding to risk drivers. A predictive analytics engine may then calculate a risk score associated with the set of electronic records based on the associated entity attribute values and the identified flags corresponding to risk drivers. An insight platform may automatically generate a recommended action for the enterprise to lower the calculated risk score.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 10/1057 - Avantages sociaux ou bien-être des employés, p.ex. assurances, vacances ou régimes de retraite
G06F 16/2458 - Types spéciaux de requêtes, p.ex. requêtes statistiques, requêtes floues ou requêtes distribuées
G06Q 10/0637 - Gestion ou analyse stratégiques, p. ex. définition d’un objectif ou d’une cible pour une organisation; Planification des actions en fonction des objectifs; Analyse ou évaluation de l’efficacité des objectifs
A plurality of water-related sensors may each include an environmental characteristic detection element, a power source, and a communication device to transmit data associated with water-related data at a site. A water impact data store may contain electronic records associated with prior water-related events at other sites along with water-related sensor location data for those sites, and a third-party information interface may receive third-party information. An enterprise analytics platform may automatically analyze the electronic records in the water impact data store to create a predictive analytics algorithm. The data associated with potential water-related data at the site and the third-party information may then be automatically analyzed, in substantially real-time, using the predictive analytics algorithm, and a result of the analysis may then be transmitted (e.g., to a party associated with the site and/or an on-site water shut-off valve).
A back-end application computer server may access a potential metadata entries data store containing a set of potential metadata entries, each entry including at least a data element name and a data element definition. A metadata collection system may be executed to automatically populate a metadata template based on the set of potential metadata entries. The system may update entries in the metadata template using a translation tool and validate the updated entries in the metadata template to ensure that required data elements are present. The system may also certify the validated entries load the set of certified metadata entries, including the certified data element names and certified data element definitions, into an enterprise metadata repository data store. Electronic messages may be exchanged to support at least one interactive user interface display associated with certification of the metadata template.
G06F 16/30 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet de données textuelles non structurées
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06F 16/215 - Amélioration de la qualité des données; Nettoyage des données, p.ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
60.
Sensor systems and methods for evaluating activity
Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user, are generated, to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.
A61B 5/103 - Dispositifs de mesure pour le contrôle de la forme, du dessin, de la dimension ou du mouvement du corps ou de parties de celui-ci, à des fins de diagnostic
A61B 5/11 - Mesure du mouvement du corps entier ou de parties de celui-ci, p.ex. tremblement de la tête ou des mains ou mobilité d'un membre
A61B 5/00 - Mesure servant à établir un diagnostic ; Identification des individus
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
According to some embodiments, an invoice data store contains electronic records for invoices associated with customers and an enterprise. An electronic invoicing system computer server may receive invoice data (associated with a customer of the enterprise) from remote invoice platforms, and the server may create invoice documents in first and second formats based on information in the invoice data store. It may be determined that the invoice documents represent “work in process” and, as a result, the system may prevent the invoice documents from being transmitted to a customer device. An adjustment to the invoice document in an intermediate format is received and the invoice document in at least one of the first and second format is automatically updated. When it is later determined that the invoice documents no longer represent “work in process,” the system electronically transmits the invoice documents to the customer device.
Embodiments may be associated with an alphanumeric string similarity analysis system implemented via a back-end application computer server. The computer server may receive information about electronic records to be analyzed, wherein each electronic record is associated with enterprise data and includes an electronic record identifier and an alphanumeric string. The computer server may then store the alphanumeric strings in a single column and compute a length of each alphanumeric string in the single column. A two-column result table may be constructed via a self-join on the single column, with shorter strings being stored in a first column of the result table. The result table may be automatically analyzed using cosine similarity to generate a similarity score for an alphanumeric string in the first column and a corresponding string in a second column of the result table. It may then be arranged for indications of the similarity scores to be output.
G06F 16/31 - Indexation; Structures de données à cet effet; Structures de stockage
G06F 16/38 - Recherche caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement
G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
63.
System tand method using third-party data to provide risk relationship adjustment recommendation based on upcoming life event
A system to provide a risk relationship life event analytical modeling platform via a back-end application computer server of an enterprise. The system may include a risk relationship data store that contains electronic records representing potential risk relationships between the enterprise and a plurality of entities. Each record may include an electronic record identifier, at least one third-party indication associated with an upcoming life event, and a communication address. The server may determine a selected potential risk relationship and retrieve, from the risk relationship data store, the electronic record associated with the selected potential risk relationship. An analytical model may be executed based on the upcoming life event to generate a proactive notification including information based on the upcoming life event and data in the electronic record. The server may then automatically transmit information about the proactive notification to the communication address.
Embodiments may be associated with a network status insight system implemented via a back-end application computer server. A network provider data store may contain electronic records, each electronic record representing a network provider of an enterprise. An enterprise data store may contain electronic records, each electronic record representing a remote analysis entity of the enterprise (e.g., a remote employee or worker). The computer server may receive, from the enterprise data store, information about analysis entities of the enterprise and, from the network provider data store, information about networks used by the enterprise. The computer may also receive, from a third-party outage detector platform information about outages associated with the enterprise (e.g., network outages and/or power outages). A network status algorithm may then be applied to correlate the received information to generate enterprise network status results (e.g., for display on an insight dashboard and/or a risk assessment prediction for the enterprise).
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).
A device and method is disclosed for automatically grouping data based on characteristics. The device and method include a communication interface for receiving data for component information, a storage medium for storing the received data, and a processor for performing an analysis on the received data to determine parameters included within the data and processing the data using correlations within the data to group or isolate data points. The correlations enable the processor to identify attributes associated with particular groups of the data.
System and methods may facilitate user guidance to risk relationship documents for an enterprise. A risk relationship document data store may contain a set of electronic data records, each electronic data record being associated with a risk relationship document and including a document identifier and a set of document metadata values. A document navigation computer may receive information from a user associated with the enterprise, and, based on the information received from the user and document metadata values, dynamically create a sub-set of the documents in the risk relationship data document data store. An interactive user interface display computer may provide indications associated with the documents in the dynamically created sub-set to the user via an interactive user interface and receive a selected document of the dynamically created sub-set. The user interface display computer may then, responsive to the selection, deliver the selected document to a remote user device.
Systems, methods and apparatus for creating, analyzing and updating a property inventory are disclosed which include receiving, from a user operating a mobile device, a request to add a new item of property to an insurance inventory associated with an insurance policy, the request including information identifying the new item, at least a first image of the new item, and information identifying a location of the new item. An insurance inventory system is operated to add the new item to an insurance inventory associated with the insurance policy, the updating including computing a total current value of the insurance inventory including the new item. A coverage engine is operated to compare coverage limits associated with the insurance policy to the total current value of the insurance inventory to determine if the total current value is within a coverage limit of the insurance policy. A response is transmitted to the user based on the determination.
H04N 1/32 - Circuits ou dispositions pour la commande ou le contrôle entre l'émetteur et le récepteur
G06V 20/40 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène dans le contenu vidéo
G06Q 10/08 - Logistique, p.ex. entreposage, chargement ou distribution; Gestion d’inventaires ou de stocks
69.
Interactive graphical user interface for insurance claim handlers including identifying insurance claim risks and health scores via a body diagram dashboard
A system to provide an automated risk relationship resource allocation tool via back-end application computer server of an enterprise. A resource allocation data store may contain 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.
According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of roof attribute values. A back-end application computer server may receive, from a third-party data source, roof information for a roof of a building associated with a risk relationship. The computer server may then correlate the received roof information with a particular electronic record in the risk relationship data store. A roof attribute value of the particular electronic record may be updated in accordance with the roof information received from the third-party data source, and a predictive analytics engine of the computer server may then calculate a roof risk score associated with the particular electronic record.
36 - Services financiers, assurances et affaires immobilières
Produits et services
financial research services in the field of economics, credit risk, geopolitics, and politics; financial research services in the field of macro and micro economics
72.
System and method for evaluating images to support multiple risk applications
In some embodiments, image input data is received from multiple sources. The received image input data may then be aggregated and mapped to create a set of image input data. An event in the set of image input data may be automatically detected, such as by being triggered by a rule and an associated tag. An image mining result database may be updated by adding an entry to the database identifying each detected event and the triggering rule. An indication associated with the image mining result database may then be transmitted to a plurality of risk applications.
G06V 10/764 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant la classification, p.ex. des objets vidéo
G06F 16/58 - Recherche caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement
G06V 20/40 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène dans le contenu vidéo
G06Q 10/08 - Logistique, p.ex. entreposage, chargement ou distribution; Gestion d’inventaires ou de stocks
73.
Usage estimation systems and methods for risk association adjustments
According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of estimated usage attribute values. A back-end application computer server may receive, from a current usage data source, current usage information for the enterprise (e.g., financial information, utility information, IoT information, etc.). Based on the current usage information, the computer server may infer a likely actual current usage for the enterprise. The computer server may then compare the likely actual current usage with the predicted usage attribute value to determine a risk difference result and adjust a risk relationship parameter based on the risk difference result.
A computer server may receive, from a remote device, an indication of a selection of a subset of a plurality of vendor entities associated with an enterprise. The server may then access a vendor data store to obtain vendor parameters associated with the subset of vendor entities, wherein the vendor data store contains electronic records representing a plurality of vendor entities, and each electronic record includes an electronic record identifier, vendor parameters, and an electronic communication address. The server may then automatically analyze the obtained vendor parameters and data in a metric data store (e.g., benchmark information) to generate vendor logistical variance results for each of the subset of vendor entities. An indication of the vendor logistical variance results may then be transmitted to be displayed on an interactive graphical user interface display that includes at least one electronic communication address from the vendor data store.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06Q 50/28 - Logistique, p.ex. stockage, chargement, distribution ou expédition
G06Q 10/0639 - Analyse des performances des employés; Analyse des performances des opérations d’une entreprise ou d’une organisation
75.
System and method for data record selection by application of predictive models and velocity analysis
A computer system for selection of data records for forwarding includes one or more data storage devices storing data records including structured and unstructured data, and an analysis hardware server configured to, in cycles, determine sets of data records for predictive model review, extract words and phrases from the unstructured data, apply the predictive model to determine current-cycle scores for the data records of the set, assign the data records to groups in accordance with the current-cycle score, determine a velocity of change in group, and select data records for forwarding to an operation system based at least in part on the determined velocity of change in group.
36 - Services financiers, assurances et affaires immobilières
Produits et services
Insurance services, namely, insurance underwriting, issuing, administration, agency and brokerage services in the fields of property and casualty insurance, business and commercial insurance, commercial general liability insurance, auto insurance, accident insurance, homeowners insurance, flood insurance, fire insurance, motor vehicle insurance, reinsurance, disability insurance, workers compensation insurance, managed health care insurance, long term care insurance, group benefit insurance, group accident insurance, group reinsurance, specialty commercial insurance, marine insurance, cyber insurance, data breach insurance, motorcycle insurance, boat insurance, and for all types of insurance; Insurance claims administration, claims processing, and consultation; Insurance services in the nature of loss control management for others; Insurance underwriting consultation; Providing automobile insurance policy rate price quote information services by mail and worldwide computer network; Providing information about insurance policies and services by worldwide computer network; Employee benefits, namely, administrative services for employee benefits and administration of employee benefit plans all provided in connection with financial and insurance benefits and insurance benefit plans; Estate services, namely, estate trust management services and estate planning services; Financial asset management services; Financial services, namely, financial analysis and financial consultation in the fields of long term care insurance, and investments; Financial planning services, financial portfolio management services, financial analysis and financial consultation; Financial investment services in the nature of financial management and financial portfolio analysis services; Financial services in the nature of an investment security; Providing information and advice in the field of finance, financial investments, financial valuations, and the financial aspects of retirement; Online financial planning services; Investment services, namely, investment management and advisory services in the fields of mutual funds, college savings, retirement planning, and investment management; Investment management services, investment advice, investment advisory services, investment brokerage, and investment consultation; Investment services, namely, asset management services; Investment of funds for others; fund investment services by electronic means; Mutual fund services, namely, mutual fund brokerage services, establishing mutual funds for others, brokerage and financial administration of mutual funds, fund investment, fund investment consultation, and mutual fund distribution; Financial risk management services, namely, risk management consultation and risk financing services; Sponsorship and philanthropic services, namely, financial sponsorship of athletic events and teams, and cultural, media and exhibitions focusing on the abilities of all people including people with disabilities
36 - Services financiers, assurances et affaires immobilières
Produits et services
INSURANCE UNDERWRITING SERVICES FOR ALL TYPES OF INSURANCE; INSURANCE ADMINISTRATION SERVICES; INVESTMENT SERVICES, namely, INVESTMENT MANAGEMENT AND INVESTMENT OF FUNDS FOR OTHERS; MUTUAL FUNDS SERVICES, namely, MUTUAL FUND DISTRIBUTION AND MUTUAL FUND INVESTMENT; FINANCIAL ADVISORY SERVICES; ASSET MANAGEMENT SERVICES, namely, FINANCIAL MANAGEMENT, FINANCIAL PORTFOLIO MANAGEMENT AND INVESTMENT MANAGEMENT
78.
System to predict impact of existing risk relationship adjustments
According to some embodiments, an existing risk relationship data store may contain electronic records, each electronic record including a risk relationship identifier and a risk relationship characteristic for an existing risk relationship between the enterprise and an entity. A prediction platform may receive electronic records associated with a set of existing risk relationships along with an indication of a future adjustment to a parameter associated with the set of existing risk relationships. The prediction platform may then automatically calculate a projected future impact to a key metric for the set of existing risk relationships based on the future adjustment to the parameter. A rendering platform may receive the projected future impact to the key metric and present an interactive graphical user interface, including an indication of projected future impact, to an administrator.
A user interface, system and method are described for assigning an insurance claim to a claim manager. The user interface allows teams of claim managers to he built so to efficiently process insurance claims as they are presented to a disability insurance carrier. The process of assigning the claim begins upon receiving an indication of a new insurance claim from a claim intake engine. Subsequently, the system determines the type of insurance claim based on metadata associated with the claim. Based on the metadata associated with the claim, a list of members in a team, of claim, managers is obtained, and a specific member is assigned as a claim manager for that claim.
According to some embodiments, a hail history storage device may store information periodically received from a remote third-party weather reporting service. A hail history score request associated with a geographic location and a date range may be received from a remote requester device. Responsive to the received hail history score request, a computer processor of a hail history server may automatically access information in the hail history storage device based on the geographic location and date range. Moreover, the computer processor may automatically evaluate accessed information to calculate a hail history score value. The computer processor may then transmit, to the remote requester device, historical hail evaluation data including the calculated hail history score value.
G06F 16/29 - Bases de données d’informations géographiques
G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
A computer server may receive an indication of a selected potential relationship and retrieve, from a use case configuration data store, an electronic record for that relationship. The first entity may then construct computer system configurations in accordance with use case parameters. The computer server may be used to evaluate the constructed computer system configurations, and an entity score result for the first entity may be stored into the use case configuration data store. The computer server may also retrieve, from a quality function deployment data store, an electronic record associated with the first entity and update a uniform scoring matrix by assigning weighted score values for the first entity in connection with a set of platform capabilities. An entity selection tool may be executed to automatically select a recommended entity based on the score results and scoring matrixes, and an indication of the recommended entity may be transmitted.
A sensor based system for capturing localized weather data and a server system for communicating with a plurality of reporting and recipient mobile communication devices. The communication devices are enabled to capture additional weather information to supplement the sensor based system.
G01W 1/02 - Instruments pour indiquer des conditions atmosphériques par mesure de plusieurs variables, p.ex. humidité, pression, température, nébulosité ou vitesse du vent
According to some embodiments, data may be received indicative of a plurality of insurance claims along with an indication of an appropriate claim segment classification for each insurance claim. A first claim handler may then be automatically selected for a first insurance claim based at least in part on: (i) a first segment classification associated with the first insurance claim, (ii) numbers of other insurance claims currently assigned to claim handlers, and (iii) load factors associated with claim handlers. An indication of the selected first claim handler may then be transmitted.
According to some embodiments, a selection server is in communication with a potential communication device database and a currently participating device database, the potential communication device database storing information about communication devices associated with a transition from a first state to a second state, including at least one communication address associated with each communication device. The selection server may automatically identify a communication device as meeting a pre-determined criteria and copy information about the identified communication device from the potential communication device database to the currently participating device database.
A scheduling server may automatically schedule a series of communication events between a monitoring device and the identified communication device and arrange for a communication link to be established for each of the scheduled series of communication events until a transition from the second state back to the first state is detected for the identified communication device.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
H04L 67/10 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau
36 - Services financiers, assurances et affaires immobilières
Produits et services
Insurance services, namely, professional directors and officers liability, employment practices liability, fiduciary liability and errors and omissions insurance underwriting and administration services
Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
Mediums, apparatus, computer program code, and means may be provided to customize electronic records associated with a distributed communication network via an automated back-end application computer server. According to some embodiments, a relational database management system database and a plurality of database tables linked to the relational database management system database may be accessed. The back-end application computer server may retrieve electronic record layout information and utilize pre-determined logic associated with the plurality of linked tables, including logic that matches multiple pointers within a single pair of linked tables, to automatically insert accessed data into a customized electronic record in accordance with the electronic record layout information. The customized electronic record may then be transmitted to be rendered via an interactive user interface display.
A system to provide a risk relationship transaction automation tool via a back-end application computer server of an enterprise. The system may include a risk relationship data store that contains electronic records representing transactions associated with requested resource allocations between the enterprise and a plurality of entities. The server may receive an indication of a selected requested resource allocation transaction and retrieve, from the risk relationship data store, the electronic record associated with the selected requested resource allocation transaction. The server may then execute a medical code decision model. According to some embodiments, the system may also support a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing resource allocation transaction data.
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p.ex. basé sur des systèmes experts médicaux
G16H 70/60 - TIC spécialement adaptées au maniement ou au traitement de références médicales concernant des pathologies
90.
System to determine a credibility weighting for electronic records
Text input data may be aggregated and mapped to create composite text input data for electronic records. A semantic event may be automatically detected, triggered by a semantic rule and associated semantic tag. The detected semantic event may be flagged, and a text mining result database may be updated by adding an entry to the database. An indication associated with the event may be transmitted, and a back-end application computer server may establish a hierarchy for multiple elements of the electronic records. The computer server may determine a weight variable and response variable for each element in the hierarchy and apply a hierarchical credibility weighting methodology to the elements from level 1, representing the least granular level in the hierarchy, to level n, representing the most granular level in the hierarchy, calculated recursively from level n, to determine a final estimated credibility for the electronic records.
A system to provide an automated data driven risk relationship review tool via a back-end application computer server of an enterprise. A resource allocation data store may contain 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 automatically calculate a first and second review date for the selected requested resource allocation and automatically establish a communication link based on the first review date for 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 in connection with the second review date.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
According to some embodiments, a risk monitoring data store may contain a set of electronic data records, with each electronic data record being associated with a stream of sensor data received via a communication network from a remote set of sensor systems located at a risk monitoring site. A risk analytics platform computer may receive information associated with the sensor data in substantially real-time and analyze the received sensor data, using at least one risk analytics algorithm, to detect an abnormal pattern associated with a predicted elevated level of risk at the risk monitoring site. The risk analytics platform computer may also automatically transmit a result of the analysis to a risk operations platform. The risk operations platform may then implement an active risk mitigation adjustment at the risk monitoring site responsive to the result of the analysis.
H04L 67/12 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance
H04L 67/125 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance en impliquant la commande des applications des terminaux par un réseau
According to some embodiments, a communication device database may store information about a plurality of communication devices, including at least one communication address associated with each communication device, wherein each communication device is associated with a resource unit. Moreover, a network based segmentation server may access information in a resource status database, automatically assign each resource unit to a resource segment based on at least one pre-determined algorithm and information in the resource status database, and transmit information about the resource segments. A scheduling server, coupled to the segmentation server, may receive the information about the resource segments from the segmentation server, automatically schedule a series of communication events with communication devices in accordance with the resource segments, using the communication addresses, via the distributed communication network, and arrange for communication links to be established for resource units in accordance with the scheduled series of communication events.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
H04L 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p.ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]
H04L 67/60 - Ordonnancement ou organisation du service des demandes d'application, p.ex. demandes de transmission de données d'application en utilisant l'analyse et l'optimisation des ressources réseau requises
In some embodiments, an input document is received at a tagging platform, via a communication device, and associates it with a tag request. The tagging platform automatically selects at least one electronic record associated with a first user from a user data store containing electronic records associated with users (each record including at least a user identifier and a user communication address). The input document and tag request are transmitted to the communication address associated with the first user, and a document tag is received from the first user. The tagging platform may then store the document tag in a document mining result database by adding an entry to the database identifying the received document tag and transmit an indication associated with the document mining result database to a plurality of risk applications.
Document creation systems and methods are provided for a potential risk relationship between an enterprise and an entity. A back-end application computer server may include a data collection engine to exchange information with a remote entity device associated with the entity. A bundle creation engine may receive the information about the entity and automatically and dynamically create a potential bundle of optional risk relationship components (each associated with an electronic file representing an optional risk relationship component document). A presentation engine may present information about the potential bundle and receive an indication of a selected subset of the potential bundle of optional risk relationship components. A final document construction engine may automatically construct, based on the selected subset and associated electronic files representing component documents, an electronic file representing a risk relationship package document to be transmitted to the remote entity device.
An original risk relationship data store may contain records representing potential risk relationships (and each record may include an identifier and original risk attribute values). An adjusted risk relationship data store may contain records representing the plurality of potential risk relationships and at least some risk attribute values may have been adjusted from the original risk attribute value. A computer server may receive, from a remote user device, a selected potential risk relationship and retrieve the appropriate records from the original and adjusted risk relationship data stores. The server may then execute a comparison tool to automatically identify risk attribute values from the adjusted risk relationship data store that differ from the original risk attribute values and flag those values to the remote user device. After receiving information to explain each difference, a summary of the automatically identified risk attribute values, including the information to explain each difference, may be transmitted.
Embodiments provide a method for providing a call center supplemental workflow tool, including: receiving from a database a workflow decisional matrix, a plurality of questions, and a plurality of scripts; displaying a web-based graphical user interface on a display providing at least one question or one script; receiving user input; determining, at least another question or at least another script, to be displayed, wherein determining is based upon the user input and the decisional matrix and advances the workflow; based upon the decisional matrix, determining that the workflow has been completed; providing an output of the questions displayed and the user input received; and the output being provided to a primary software application. Other aspects are described and claimed.
H04M 3/22 - Dispositions de supervision, de contrôle ou de test
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur
98.
Mobile device disabling and verification system and method
A system and method for processing and administering insurance policy premium discounts for mobile device disabling technology to promote safer driver is disclosed. An insurance policy premium discount is determined based on the level of disabling technology implemented by a user on a user's mobile device.
A back-end application computer server may access a potential metadata entries data store containing a set of potential metadata entries, each entry including at least a data element name and a data element definition. A metadata collection system may be executed to automatically populate a metadata template based on the set of potential metadata entries. The system may update entries in the metadata template using a translation tool and validate the updated entries in the metadata template to ensure that required data elements are present. The system may also certify the validated entries load the set of certified metadata entries, including the certified data element names and certified data element definitions, into an enterprise metadata repository data store. Electronic messages may be exchanged to support at least one interactive user interface display associated with certification of the metadata template.
G06F 16/30 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet de données textuelles non structurées
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
G06F 16/215 - Amélioration de la qualité des données; Nettoyage des données, p.ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
100.
Processing system to facilitate multi-region risk relationships
A multi-region risk relationship data store may contain electronic records representing a plurality of multi-region risk relationships and, for each multi-region risk relationship, an electronic record identifier and a set of multi-region attribute values including a plurality of hierarchical local risk relationship attribute values. A back-end application computer server may receive an indication of a selected risk relationship and display at least some of the associated multi-region attribute values. The server may receive adjustments to some of the multi-region or local risk-relationship attribute values, and displayed information may be automatically and dynamically configured based on the received adjustments and a standalone risk calculation unit. At least some local risk relationship attribute values may be replicated for multiple regions. When adjustments have been completed, the server may automatically assemble a multi-region risk relationship document.
