Abstract: An embodiment provides a modular framework for managing multiple router applications in an interactive voice response (IVR) system. In an embodiment, a single table-driven framework approach is taken in which multiple IVR router applications, including menu/response type call routing applications and/or frequently asked question (FAQ)/response applications, may be managed in a more streamlined fashion. In an embodiment, a menu is presented to the caller. The menu is part of the router application which references information stored in a database, e.g., voice files and grammars, defined in a format, e.g., in table format. An embodiment analyzes the caller's responses against the menu's information to determine the appropriate actions to take and the appropriate data to retrieve. An embodiment also provides a centralized authentication process that may be used for all self-service router applications that require or somehow make use of authentication.

Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on a vehicle trip similarity score. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores telematics data received from a sensor within a vehicle. The telematics data includes at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to compute a similarities score based on the telematics data. The processor is also configured to determine a price, price adjustment, or any other benefit for automobile insurance based on the similarities score.

Abstract: A computer system includes a data storage module. The computer system also includes an indeterminate data capture module. The data storage module receives, stores, and provides access to both determinate data and indeterminate data that was captured by the indeterminate data capture module. The computer system also includes a computer processor and a program memory. The computer processor executes programmed instructions and stores and retrieves the data stored in the data storage module. The data stored in the data storage module is related to historical claim transactions and current claim transactions. A predictive model component is coupled to the data storage module, and determines whether to refer a current claim transaction to an investigation unit. A model training component is coupled to the computer processor and functions to train the predictive model.

Abstract: A communication device may receive an employee skill certification badge request for: (i) a first employee of an insurance enterprise, and (ii) a first employee skill category of a plurality of potential categories. Information about the received may be stored, and a badge server may gather and store data (e.g., quantitative and/or qualitative data) in an electronic evidence file based the first employee's interactions with customers during normal performance of his or her employment. A first manager of the first employee may be determined, and the badge server may receive from the first manager an indication that the electronic evidence file meets a threshold criteria. Responsive to the received indication, the badge server may associate the first employee with the first employee skill certification badge and transmit data to cause display of an icon associated with the first employee skill certification badge on other remote devices.

Abstract: A system and method for monitoring software development and project flow in the insurance industry using user stories is disclosed. The system and method include a communication interface that receives information included in communications; a processor and memory to: identify from the monitored communication a plurality of user stories; estimate a priority and assign a value to each story; store each story and associated priority and value as a product backlog; calibrate the difference in the assigned value of each story by comparing each story and the associated assigned value, and iteratively adjusting the assigned value based on the calibrated difference; and update the product backlog of user stories and associated calibrated assigned value; and a display device for displaying the status of the software development and project flow based on the stories remaining in the product backlog as compared to the completed user stories.

Abstract: This invention relates to a database system in a distributed client server network environment for matching entity data with structured query data to validate selection of one or more entities for funding. Recertification of the entity may be electronically performed on a periodic basis to validate the entity.

Abstract: According to some embodiments, historic transaction data and loss data may be received from a data storage device. Information about a potential business insurance customer may also be received and automatically analyzed to identify a set of related businesses. A coverage comparison engine may then determine insurance information for the potential business insurance customer based at least in part on historic transaction data and loss data associated with the set of related businesses.

Abstract: A system, method, apparatus, means, and computer program code is provided wherein an electronic communication is received. A communication routing matrix is accessed, from a relational database platform, to select a service representative for the received communication. It may then be arranged for the received communication to be routed in accordance with the selected service representative.

Abstract: This invention relates to a computer system for the compilation, tracking and aggregation of entity data to centralize licensing information in a single repository for use by various entities to ensure compliance and expedite information retrieval and access across an enterprise.

Abstract: A computer system includes a processor; and a memory storage device in communication with the processor. The processor is adapted to: receive via a computer communications network a user identification and an identification of an electronic file having user-generated insurance-related data; provide an output signal for display to the user a prompt for the user to provide mapping data mapping a plurality of insurance-related data fields data identifiers in the user-data electronic file; receive mapping data in response to the prompt; access the user electronic file; employing the received mapping data, map data elements identified in the user-data electronic file, to a document in a predetermined format; verify that the received mapped data constitutes complete data to submit in connection with an insurance transaction; and provide an output signal including data constituting the document in a predetermined format to a system for further processing in accordance with an insurance transaction.

Abstract: Disclosed is a novel vendor management system and method that enables one or more parties to assign various types of files to one or more other parties for review and processing. Multiple business clients are able to refer a variety of files to a select group of vendors having expertise in a particular business or process. Further, the present invention provides a robust and flexible platform to support diverse referrals and workflow needs as well as access to referred files by the vendor, client, and adverse party.

Abstract: Described are computer systems for interactions with a user device and third party computers. In an embodiment, a computer system for determining and displaying total loss calculations includes accessing third party computer systems for a plurality of data items. The computer system may include data storage devices, computer processors, a communications device, and a memory coupled to the computer processors. The memory may store program instructions which are operative with the computer processors to provide to a user device for display a total loss calculator graphical interface, receive inputs from the user device, request data from third party computers based on the received inputs, determine whether the data needed to perform a total loss calculation has been received, and perform a total loss calculation based on the requested data from the third party computer and the user inputs received from the graphical interface provided to the user device.

Abstract: The invention relates to systems and methods for analyzing data collected from sensors monitoring property. In particular, the systems and methods analyze the data to make property insurance underwriting decisions based on the collected sensor data using a computerized process that varies the way in which it manipulates the collected sensor data based on a characteristic of the property being insured, a characteristic of the entity seeking the insurance, and/or on the value of one or more collected data parameters. The invention also relates to systems and methods of making property insurance pricing decisions based on a similarly dynamic computerized process.

Abstract: A system for accessing business metadata within a distributed network is disclosed. The system facilitates metadata driven for using social constructs in combination with metadata management to enhance metadata. The system includes a data storage device configured to store business information and metadata related to the business information, a processor configured to: selectively receive rated user input that provides supplemental information regarding at least one of the business information and the metadata, determine the context of the supplemental information and the at least one of the business information and the metadata; template the supplemental information by type and using pointers in the system provide non-redundancy, store the organized supplemental information in the data storage device, and generate a user interface element, and a display device configured to display the user interface element as the definition of the business information.

Abstract: A system and method are disclosed herein for maintaining an inventory of assets located at an insured property covered under an insurance policy based on data received from IP-addressable devices located at the property. The system includes an inventory database for storing inventory information about assets located at an insured property, a communication interface for receiving registration and operational data associated with an IP-addressable device, and a business logic computer. The business logic computer creates a data structure for storing inventory information about assets located at the insured property in the inventory database for each insured property. The business logic computer determines, for the insured property, the inventory information about the insured property's assets based on registration and operational data received from its IP-addressable devices located at the property.

Abstract: A data processing system includes a processor for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor may allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors.

Abstract: Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility.

Abstract: A computer system for use in load testing a service-oriented architecture (SOA) service has a processor and a memory storage device in communication with the processor. The processor is adapted to receive an XML message, an address for a service to be tested, an action compliant with a protocol for exchanging structured information in a decentralized, distributed environment and associated with the service; create and store in memory a template message package compliant with the protocol; create a populated message package compliant with the protocol by incorporating in the template message package the XML message, the address and the action; establish a connection to the service and furnish one or more documents and attachments to the service; and receive a response from the service.

Abstract: Pursuant to some embodiments, systems, methods and devices are provided for insurance processing including installing a medical monitoring application associated with a user of a mobile device, the medical monitoring application including configuration data associated with at least a first medical monitoring rule, displaying, under control of the medical monitoring application, a series of instructions to cause the mobile device to be configured to communicate with at least a first biometric sensor, collecting, based on the at least first medical monitoring rule, a set of biometric data from the at least first biometric sensor, and transmitting the set of biometric data from the mobile device to a remote processing system for processing a request for insurance.

Abstract: According to some embodiments, historical claim data may be stored in a computer storage unit. The historical claim data may be used to train and verify a predictive model, the predictive model being associated with an evaluation of claim transactions to determine whether to refer each claim transactions to a nurse intervention program. Data for current claim transactions may be processed, and the trained and verified predictive model may be applied to the data for the current claim transactions to generate a respective output for each of the current claim transactions. Some of the current claim transactions may be selectively routed to a case management center associated with the nurse intervention program based on the outputs generated by the predictive model.