Patents Assigned to The Hartford Fire Insurance Company
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Patent number: 11509761Abstract: 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.Type: GrantFiled: April 14, 2021Date of Patent: November 22, 2022Assignee: Hartford Fire Insurance CompanyInventors: Samantha Jaszczuk Elizondo, Taylor Knight Brawner, Andres Pelaez
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Patent number: 11508010Abstract: A back-end application computer server may access a location data store containing information about a set of locations to be visited, including location identifiers and location coordinates. The computer server may then prioritize the locations to be visited. A mobile unit data store may contain information about a set of mobile units, including mobile unit identifiers, mobile unit location coordinates, and mobile unit communication addresses. The computer server may then automatically assign each location to a mobile unit based on the location coordinates, the mobile unit location coordinates, at least one geo-fence, and said prioritization. Indications of assigned locations may be transmitted to each mobile unit via the associated mobile unit communication address, and electronic messages may be exchanged to support an interactive user interface display associated with assignments of locations to mobile units.Type: GrantFiled: June 6, 2016Date of Patent: November 22, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Fred Y Choi, Robert W. Proctor, Kim A. Root, Vikas Sachdeva, Vivek Nigam
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Patent number: 11508012Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for proactive underwriting are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes identifying, by an insurance processing platform, an action by an entity that matches at least a first trigger rule. A proactive underwriting template is selected based on the at least first trigger rule, where the proactive underwriting template defines a number of data items required to complete the proactive underwriting template. The insurance processing platform is operated to automatically collect data associated with the plurality of required data items, and to perform a proactive underwriting analysis using the collected data. An underwriting determination is then rendered based on the proactive underwriting analysis.Type: GrantFiled: May 1, 2020Date of Patent: November 22, 2022Assignee: Hartford Fire Insurance CompanyInventors: Ryan Owen Denning, Mushter Munib Moin, Deborah L. Perschy
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Patent number: 11501376Abstract: A vehicle route guidance computer system is configured to store habitual travel routes for drivers; detect driving by a vehicle of one of the drivers along one of the habitual travel routes; monitor vehicle location along the route; monitor traffic signal states and traffic conditions along the route; calculate an optimal velocity of the vehicle to maximize likelihood of reaching a next traffic signal along the route when the signal is green, and transmit a guidance signal to a guidance device in a vehicle to advise the driver to decelerate or accelerate the vehicle. The vehicle route guidance computer system may be further configured to detect an adverse condition along the route, calculate an alternative route, and transmit a direction guidance signal to the guidance device for guiding the driver to the alternative route.Type: GrantFiled: March 11, 2019Date of Patent: November 15, 2022Assignee: Hartford Fire Insurance CompanyInventors: Michael Louis Brandman, Raphael Jermaine Thomas
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Patent number: 11489926Abstract: 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.Type: GrantFiled: February 22, 2021Date of Patent: November 1, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventor: Joseph Nicholas Nigro
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Patent number: 11487790Abstract: 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.Type: GrantFiled: March 26, 2020Date of Patent: November 1, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Vladislav Michael Beznos, Lynne C. Clark, Arthur Paul Drennan, III, David J. Kuethman, William C. Lewis, Fred A. Robinson
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Patent number: 11487775Abstract: 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.Type: GrantFiled: June 22, 2020Date of Patent: November 1, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Jayne-Marie Perzan, Adam Denninger, Ernie Zimmermann, David J Turner, Keri M Tardif, Mark J Peryga, Pavan Kumar Visram, Jaishankar Thiruvengada, Nelson R. Ward, Jr., Ramesh V. Yalamanchi
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Patent number: 11481209Abstract: 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.Type: GrantFiled: January 21, 2021Date of Patent: October 25, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Renoi Thomas, Satish Venugopal, Sachin Mittal, Sandeep Kumar Yaramchitti
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Patent number: 11481708Abstract: 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.Type: GrantFiled: April 1, 2020Date of Patent: October 25, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Erik R. Lord, Todd K Minarik, Ed I Closner, Jason Patrick Corrigan, Milia M Shipman, Robert L. Hughes, Kari Yvonne DeMont, Brett David Perrie Boliou, Sara San, Willis D Schmidt, Jr.
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Patent number: 11461853Abstract: 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.Type: GrantFiled: October 18, 2021Date of Patent: October 4, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Lane Garrison Coonrod, Jeffery T. Hay, Michael R. Gittings
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Patent number: 11461706Abstract: According to some embodiments, an analytics computing environment data store may contain a set of electronic data records, each electronic data record being associated with a predictive analytic algorithm and including an algorithm identifier and a set of algorithm characteristic values. An analytics environment computer may receive an adjustment from a user associated with an enterprise, the adjustment changing at least one of the set of algorithm characteristic values for a predictive analytic algorithm. Deployment of the predictive analytic algorithm may then be initiated in an enterprise operations workflow and at least one result may be generated. The deployed predictive analytic algorithm may then monitor the result and generate an alert signal when the result exceeds a boundary condition.Type: GrantFiled: April 8, 2020Date of Patent: October 4, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: James A. Madison, Shane Eric Barnes, Tyler L. Kapushinski, Mohan Subramaniam, Ludwig Steven Wasik
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Patent number: 11436269Abstract: Text input data for an electronic record may be aggregated and mapped to create composite text input data. A semantic event in the composite text input data may be automatically detected, and a text mining result database may be updated by adding an entry identifying the detected semantic event and a triggering semantic rule. An indication of the electronic record may then be transmitted to a back-end application computer server that also determines at least one parameter corresponding to a characteristic of the electronic record. The computer server may then execute a computerized predictive model to predict a future performance characteristic indicator for the electronic record based on the at least one parameter and the indication received from the text mining platform, wherein the future performance characteristic indicator is indicative of a likelihood of an actual value of the electronic record differing from a predicted value of the electronic record.Type: GrantFiled: July 11, 2019Date of Patent: September 6, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Kathleen H. Galia, David Gamble, Bixia Li, Kelly J. McLaughlin, Tracey Ellen Steger
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Patent number: 11403599Abstract: 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.Type: GrantFiled: October 2, 2020Date of Patent: August 2, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Willie F Gray, Donato L. Monaco, Jennifer Day, Andrew D. Preece
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Patent number: 11392841Abstract: 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).Type: GrantFiled: October 20, 2017Date of Patent: July 19, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Saleh Ahmed Alsubai, Satish K Kasala, Susan A. Rickard
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Patent number: 11373129Abstract: A multi-factor risk analysis system may include a resource data store defining, for each of a plurality of resources: a resource identifier, a current resource value, and a resource type. A back-end application computer server may establish a set of risk parameter diversification objectives and determine a set of eligible resources by accessing the resource data store. The server may then calculate a value factor characteristic and a momentum factor characteristic for each of the eligible resources. A set of index resources may be constructed from the set of eligible resources based on the risk parameter diversification objective and a risk optimization process utilizing a weighted value factor characteristic and momentum factor characteristic of each resource. An interactive user interface may then be rendered including indications associated with the constructed set of index resources, the value factor characteristics, and the momentum factor characteristics.Type: GrantFiled: August 3, 2020Date of Patent: June 28, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Theodore J Lucas, Dariusz Wojnar, Mark D Thomas, Scott M Fitzpatrick, Kylie J Baker
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Patent number: 11367143Abstract: 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.Type: GrantFiled: June 23, 2020Date of Patent: June 21, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Andrew J. Amigo, Michael Gingrave
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Patent number: 11361351Abstract: According to some embodiments, an invoice data store contains electronic records for invoices associated with customers and an enterprise, including an electronic record identifier and a set of attribute values. 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.Type: GrantFiled: June 27, 2019Date of Patent: June 14, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Cynthia D Finley, Linda L. Ternullo, Manuela Panno, Antonio Jorge, Benjamin Arunski, Lakshmi Elango, Mary Udeh, David Fuller, John Sedor
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Patent number: 11308561Abstract: 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 risk relationship adjustment recommendation for the selected potential risk relationship. The server may then automatically transmit information about the risk relationship adjustment recommendation to the communication address.Type: GrantFiled: December 20, 2019Date of Patent: April 19, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Jennifer Maia Amaral, Matthew Brown, Christopher J Gimpl
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Patent number: 11263571Abstract: 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.Type: GrantFiled: March 21, 2019Date of Patent: March 1, 2022Assignee: Hartford Fire Insurance CompanyInventors: Keith Thomas Clark, James A. Madison, Moon Nagar, Scott Mitchell Mackenthun
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Patent number: 11257166Abstract: 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.Type: GrantFiled: December 18, 2019Date of Patent: February 22, 2022Assignee: Hartford Fire Insurance CompanyInventors: Lane Garrison Coonrod, Sean David Holden