SYSTEM AND METHOD FOR USE OF SOCIAL NETWORKS TO RESPOND TO INSURANCE RELATED EVENTS
Pursuant to some embodiments, systems, methods, apparatus and computer program code for responding to insurance related events are provided. Pursuant to some embodiments, event data associated with an insurance related event are received, and cause the analysis of the event data, the identification of an insured entity and an affected insurance policy, the establishment of a support network for response to the insurance related event, and the communication of information associated with the support network to an insured entity. In some embodiments, the support network is a social network that includes the insured as well as one or more service providers selected based on the affected insurance policy, the insured, and the insurance related event.
This application is based on, and claims benefit of and priority to U.S. Provisional Patent Application Ser. No. 61/659,749 filed on Jun. 14, 2012, the contents of which are hereby incorporated herein by reference in their entirety for all purposes.
BACKGROUNDMany insurance related events require the involvement of one or more service providers to assist in responding to the event. For example, an insured driver who is involved in an automobile accident while far from home may need assistance from several different service providers to deal with the accident, including a tow truck provider, a rental car agency, a automobile repair shop, and a hotel. Often, when an insured driver has such an accident, the driver must either consult their insurance policy to determine what services are covered, call their insurance carrier to file a first notice of loss, and/or keep their receipts and hope that their policy will reimburse the costs of the service providers selected by the insured driver.
Other types of insurance related events require similar levels of involvement. For example, an insured homeowner who suffers damage from a fire may need temporary housing, transportation, clothing, and a contractor to repair the damage. Unfortunately, insured individuals often are unable to quickly contact, interact with, and manage their interactions with service providers that are covered under their insurance policy. Further, individuals who suffered an insurance related event (such as an accident, fire or the like) often are not in a position to contact appropriate service providers. For example, a driver who just suffered a traumatic accident may not necessarily be able (or want) to search for the most appropriate car rental agency.
Further, as consumers become more connected and reliant on the use of social networks to share information about their location, status and activities, they increasingly notify others in their social network of accidents or other events even before they consider contacting their insurance provider. For example, an insured driver who is involved in an accident may immediately publish an update on her Twitter® or Facebook® account notifying those in her social network of the accident.
It would be desirable to use social networks and social media to respond to insurance related events. Further, it would be desirable to identify insurance related events through monitoring of social networks.
Pursuant to some embodiments, systems, methods, apparatus and computer program code for responding to insurance related events are provided. Pursuant to some embodiments, event data associated with an insurance related event are received, and cause the analysis of the event data, the identification of an insured entity and an affected insurance policy, the establishment of a support network for response to the insurance related event, and the communication of information associated with the support network to an insured entity. In some embodiments, the support network is a social network that includes the insured as well as one or more service providers selected based on the affected insurance policy, the insured, and the insurance related event.
Features of some embodiments will now be described by first referring to
According to some embodiments, an insurance processing platform 110 may be provided for receiving, evaluating, and taking action (such as initiating notifications, making underwriting decisions, issuing policies, etc.) based on social network and other data received from a number of different sources. By way of example only, the insurance processing platform 110 may be associated with and/or communicate with (or receive information about) customers, prospects, or other individuals and entities operating a variety of devices, including, for example, personal computers 102 (including desktop, laptop, tablet, or other types of computers), mobile devices 104 (such as mobile telephones), and other data devices 106 (such as sensors, networked devices, or the like).
The insurance processing platform 110 may, according to some embodiments, operate to perform a number of insurance-related activities, including the administration and support of a number of different types of insurance policies, including personal lines, workers compensation, health, and other commercial policies. Pursuant to some embodiments, insurance processing platform 110 receives data from a wide variety of sources including one or more social media or other websites or properties 120-130 and devices 102, 104, 106. The data received is used to enhance interactions with consumers and insured individuals and businesses. Further, insurance processing platform 110 may transmit data and notifications to consumers and insured individuals and businesses directly to devices 102, 104 or 106 or through one or more social media sites 120-130.
Further, pursuant to some embodiments, insurance processing platform 110 may cause the creation, maintenance, and updating of one or more support networks which are created in response to insurance related events as described herein. Those support networks may be created using platforms such as one or more existing social media sites 120-130. For example, in one illustrative embodiment, an insurance company may use the infrastructure of an existing social network (such as that provided by Facebook® or Google+®) to create private social networks for insured individuals in response to an insurance related event. Such private social networks may be created on a subdomain or other secure area of the existing social network so that the participants in the private social network are limited in a secure and controlled manner. As used herein, the term “support network” or “private social network” is used to refer to a social network created in response to identification of an insurance related event.
As used herein, devices including those associated with the insurance processing platform 110, and any other device described herein may exchange information via any communication network 160 which may be one or more of a Local Area Network (LAN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), a proprietary network, a Public Switched Telephone Network (PSTN), a Wireless Application Protocol (WAP) network, a Bluetooth network, a wireless LAN network, and/or an Internet Protocol (IP) network such as the Internet, an intranet, or an extranet. Note that any devices described herein may communicate via one or more such communication networks.
Sites 120-130 may store, publish or otherwise provide access to information about consumers. For example, a consumer with a Facebook account may post status updates, information and comments to Facebook, and Facebook may publish or otherwise make the status updates, information or comments available to authorized individuals or entities. In some embodiments, one or more of the sites 120-130 may publish or otherwise disseminate the information via an application programming interface (“API”), an RSS feed, or some other structured format. The information may be analyzed or used by the insurance processing platform 110 on an individual item basis or on an aggregate basis with other information. Further the data may be combined with one or more other data sources, such as publicly available data disseminated by local police or fire authorities, or the like.
As shown, the insurance processing platform 110 may include a number of modules or components, including one or more underwriting modules 112, quoting modules 114, issuing modules 116, notification modules 118 and rules engine 119. Insurance processing platform 110 may be deployed as a number of different platforms in communication with each other (for example, one insurance processing platform may be deployed as an underwriting platform, while another may be deployed to function as a policy issuance platform). Pursuant to the present invention, the notification modules 118 may be used to transmit information to insured individuals, to service providers, and to other entities, including information relating to one or more support networks established pursuant to the present invention. In some embodiments, one or more rules engines 119 may be provided to receive data associated with an insurance related event and determine appropriate actions (including appropriate notifications to be transmitted by notification modules 118, service providers to contact, or the like). In some embodiments, application of rules by the rules engines 119 may result in a first notice of loss (“FNOL”) being generated in response to an insurance related event.
As will be described further below, the underwriting modules 112 may be used in conjunction with the creation and updating of one or more rating schedules for use in pricing and rating insurance policies pursuant to embodiments of the present invention. For example, in some embodiments, the underwriting modules 112 are used to analyze both conventional underwriting data such as historical loss information in conjunction with social and business network based data for use in rating and pricing business insurance policies. Referring still to
Although a single insurance processing platform 110 is shown in
The insurance processing platform 110 and the modules 112-118 may also access information in one or more databases 170, 180 and 190. The databases may include, for example, risk characteristic data 170, historical loss data 180 associated with previously-issued insurance policies, and policy data 190 associated with active policies. As will be described further below, the policy data 190 may be used to process information associated with insurance related events to identify appropriate service providers and support network features needed to provide support an insured individual.
Referring now to
Platform 200 also may include a number of devices or components, including computer processor(s) 275 and text processing units 250. The computer processor 275 and the text processing unit 250 may include one or more conventional microprocessors and may operate to execute programmed instructions to provide functionality as described herein. Among other functions, the computer processor 275 and/or the text processor 250 may access and retrieve information from data source(s) 230 via network interface unit 260 and input/output controller 270 via system bus 280.
The insurance processing platform 200 may further include a program memory 282 that is coupled to the computer processor 275. The program memory 282 may include a random access memory 284 and a read only memory 286. System memory 282 is further coupled via bus 280 to one or more fixed storage devices 290, such as one or more hard disk drives, flash memories, tape drives or other similar storage devices. Storage devices 290 may store one or more application programs 292, an operating system 294, and one or more databases such as a provider database 296 for storing data identifying service providers that may be used in conjunction with providing services to insured entities, as well as a policy database 298 for storing data associated with a plurality of insurance policies.
Platform 200 may be, according to some embodiments, accessible via a Graphical User Interface (GUI) rendered at least in part by input/output controller 270. The GUI might be used, for example, to dynamically display information associated with insured entities, policies, and insurance related events. Further, the GUI may be used to display information about one or more private social networks or support networks that have been established in response to one or more insurance related events, allowing a user to view and otherwise interact with the insured entity and one or more service providers associated with the support network. For example, in some embodiments, a user interface such as that shown and described below in conjunction with
Referring still to
It is contemplated that the processing platform 200 may process data and information in one or more languages, such English, French, Arabic, Spanish, Chinese, German, Japanese and the like. In an exemplary embodiment, underwriting analysis by the platform 200 also can be employed for sophisticated text analyses, wherein text can be recognized irrespective of the text language. The relationships between the various words/phrases can be clarified by using an insurance rules engines for classifying words/phrases as a predictor of certain underwriting risk.
Pursuant to some embodiments, the insurance processing system of the present invention may be used to more proactively offer assistance when policy coverage is triggered. For insured individuals and businesses, insurance coverage provides a hedge against the risk of a loss. The loss typically involves the occurrence of an event, such as an auto accident, a fire, etc. Pursuant to some embodiments, social media and other data sources are used to identify events that involve customers of an insurance company and, based on the customer's policy and the type of event, allow the insurance company to proactively provide assistance, loss remediation services, and other policy benefits. As an example, if an insured is involved in a car accident while on a trip, social media, or other data sources (such as data from an OnStar system, or from the insured's mobile phone) may be monitored so that the insurance company is made aware of the event as it happens (or within a short time of the accident). Then, based on the nature of the event and the insured's policy, the insurance company can proactively provide assistance. For example, an instant private social network or support network may be established for the insured to deal with the event. The instant private social network may be a social circle that connects the insured with one or more service providers that may assist the insured in dealing with the event. For example, the instant network may include car rental agencies, towing services, auto body shops, hotel chains, etc. The insured may interact with others in the group to select and access services and assistance needed to handle the insurance related event.
Prior to reference to
Continuing the example, if the insured is involved in an accident, the insurance company can initiate proactive (and, in some embodiments, automated) policy assistance as soon as an indication of an accident is received (via one or more of the social media accounts, via a phone call, via a text message, via a message from the OnStar system, or the like). Upon receipt of the indication of an accident, the insurance company may initiate one or more automated and substantially immediate proactive steps to assist the insured. For example, a phone connection between an insurance customer service agent and the insured may be initiated. As another example, a support network or support circle may be triggered, which provides a collection of services appropriate to the type of event or incident and the insured's policy benefits. The support network or support circle may include a number of items of information which provide a single source of information for the insured to receive assistance. The support network may remain active and available to the insured for a period of time (such as until a claim resolution has been reached), or may continue as a historical repository of interactions and information between the insurance company and the insured relating to the event. An example of such an embodiment will now be described by reference to
Reference is now made to
The insurance processing platform 340 may operate one or more rules engines to process data received from the mobile device 310, social network server 320 and/or from other devices to identify the appropriate processing. For example, when an accident occurs involving an insured, data associated with the event are received by the insurance processing platform 340 and used to identify the insured, the associated policy(s) (and the relevant policy form(s)). Key policy status and billing information may also be identified (e.g., by querying a database such as policy database 350). The policy database 350 may store information associated with the insured, the policy forms, the policy status, the covered vehicle(s), the covered driver(s), as well as policy coverages and services. For example, a policy form which provides for immediate roadside assistance, rental car, towing and travel benefits, may result in a different support network than a policy form that only provides for rental car and towing benefits. Application of the rules engine may cause one or more queries of other databases, including databases of service providers 355. For example, if an insured has immediate roadside assistance benefits as a policy feature, application of the rules engine may cause queries of the service provider database 355 to identify one or more roadside assistance service providers that offer service in the geographical area in which the accident occurred. In some embodiments, application of the rules engine may also result in the generation of a first notice of loss (“FNOL”) in the insurance processing platform 340.
The mobile device 310 may be any of a number of different types of mobile devices that allow for wireless communication and that may be carried with or by a user. For example, in some embodiments, mobile device 310 is an iPhone® from Apple, Inc., a BlackBerry® from RIM, a mobile phone using the Google Android® operating system, a portable or tablet computer (such as the iPad® from Apple, Inc.), a mobile device operating the Android® operating system or other portable computing device having an ability to communicate wirelessly with a remote entity such as social network server 320 and/or insurance company 340.
The mobile device 310 is configured to display information relating to policy benefits or assistance relating to the insurance related event on a display screen 360. As shown, the insured has been involved in an accident, and the insurance processing platform 340 has initiated a support network for the insured. Information displayed on the display screen 360 may include information associated with the insured's policy, as well as information allowing the insured to immediately take advantage of one or more policy benefits or features. For example, as shown, the insurance processing platform 340 has identified the location of the insured, and has automatically collected information about a number of service providers 370, including car rental agencies, hotels, and other resources available to the insured which are in close geographic proximity to the insured's current location (as determined by geolocation information transmitted from the mobile device 310 and/or the vehicle 302 or other sources). In some embodiments, the resources may be identified from a provider database 355 maintained by or on behalf of the insurance company. In some embodiments, the resources or service providers 370 may be identified using one or more data APIs, such as the Google Places API or the like. In some embodiments, the insured may view details of the resources (such as information about specific hotels, towing companies, auto repair shops, or the like), and may easily initiate contact with the service providers 370. In some embodiments, contact between the resource providers and the insured may be facilitated by the insurance processing platform 340.
Pursuant to some embodiments, varying levels of interaction between the insured entity and service providers 370 may be facilitated. For example, an insured entity who just experienced an automobile accident may want to initiate a call to a tow truck driver (by clicking on a “call” button on a display screen of the mobile device 310), but may want to have one or more repair shops call her the next morning (by selecting an option to schedule a call from the repair shops to her mobile phone the next morning). Further, the insured entity may wish to engage in a three-way call involving an insurance company representative (e.g., by selecting a three-way call option) when discussing repair options with one or more repair shops. Further still, the insured may instead wish to communicate via text messages, emails, or posts in the private social network. In this way, users of mobile devices configured to operate in conjunction with the present invention may receive proactive support in their preferred mode of communication.
In the user interface depicted in
As a result, insured individuals may receive proactive, and in some instances, substantially instantaneous support and resources from their insurance provider.
At 404, in some embodiments the insurance processing platform 110 determines how the notification of the event was received. For example, if the notification was directly received from the insured, processing continues at 408. If the notification was indirectly received, processing continues at 406 where the indirect communication is validated. Continuing the illustrative example introduced above, the insurance related event may be an automobile accident. The notification of the event may be directly transmitted from the insured to the insurance company (that is, processing at 404 indicates that the event was communicated directly from the insured).
As an example, the insured individual may have a mobile phone that has an insurance processing application installed on it which provides multiple options for communicating the event to the platform 110. In the event that the event notification is transmitted directly to the insurance processing platform 110 (e.g., the insured called, emailed, or otherwise directly notified the insurance company about the event), processing continues at 408 where the insured and any affected policy(s) are identified. An illustrative user interface of such an application is shown in
For example, as shown in
In some embodiments, an insured (or other individual) may notify the insurance company of an insurance related event indirectly. For example, an insured may post a message or note on a social network which is not necessarily directed solely to the insurance company, but to other individuals and entities as well. As a specific illustrative but not limiting example, an insured who is in an automobile accident may post a status update on her Facebook page notifying her social network of the fact of the accident. Similar updates may be posted on Twitter or other networks. Pursuant to some embodiments, an insurance company operating an insurance processing platform 110 of the present invention may monitor such social networks for updates that suggest that an insurance related event has occurred. The insurance processing platform 110 may execute monitoring processes to monitor the feeds of social networks associated with insured individuals and use natural language processing and other search and text retrieval processes to identify messages (or sets of messages) that suggest an insurance related event has occurred. As an illustrative, but not limiting example, an insured individual who wishes to participate in the system of the present invention may allow the insurance processing platform 110 to monitor specific social network account(s) held by the insured. In some embodiments, the insurance company may be notified of the account(s) when the insured applies for an insurance policy or at a later time.
Pursuant to some embodiments, when the insurance processing platform 110 identifies a possible insurance related event via an indirect communication (e.g., such as via a social media comment or other message), processing may continue at 406 where the indirect communication is validated to ensure that an insurance related event did in fact occur, and that policy benefits and/or assistance are required (or desired) by an insured. The validation of such an indirect communication may occur in any of a number of ways. For example, if a possible insurance related event is identified by monitoring an insured individual's social networking account, and if the insured individual's contact information is known, a phone call may be automatically triggered between a customer service agent and the insured individual so that the customer service agent can verify the event and that policy benefits and/or assistance are required. As another example, a text message, email or the like may be automatically triggered. Processing at 406 may also include validating the indirect communication by obtaining data regarding the event from other sources. As an illustrative example, the insurance processing platform 110 may cause searches to be performed from other data sources to validate the event, such as searches of other social networks for mentions of the event or searches of police or other data sources.
Whether the insurance processing platform identifies an insurance related event as a result of a direct communication from an insured (e.g., via processing at 402, 404) or as a result of an indirect communication from an insured (e.g., via processing at 402, 406), processing continues at 408 where the processing platform identifies the insured and any affected policy(s). In the case where the insured is operating a mobile device having an insurance processing application thereon, information identifying the insured and the insured's policy(s) may be provided as a direct message or interaction between the mobile device and the insurance processing platform (e.g., information identifying the insured and the policy(s) may be stored in the application or accessible via interacting with the application). In other situations, the identification may be inferred from information associated with the information identifying the event (e.g., if an insurance related event is identified by monitoring an insured's Twitter account, the insured's identity and related policies may be looked up based on the Twitter account information).
Once the insured and related policy(s) are identified, processing continues at 410 where the insurance processing platform causes a private social network or support network to be established for use by the insured. The private social network may be automatically created and populated with information associated with the insured's policy data, as well as information about the location of the event and the nature of the event. For example, if the insured is in an auto accident in Norwalk Conn., and the insured lives in Topeka Kans., the private social network may be created with information about relevant service providers in the Norwalk Conn. area. In some embodiments, the relevant service providers are determined based on a set of known or approved providers. In some embodiments, some or all of the relevant service providers are determined based on location and relevance. In some embodiments, the service providers may further be ranked based on user feedback, satisfaction ratings, or the like. Each of the identified service providers, as well as the insured (and one or more customer support specialists) are identified as participants in the support network and are allowed to interact with each other through the support network.
In some embodiments, the creation of the support network is based on the application of one or more rules (e.g., from rules engine 119 of
In some embodiments, if the accident involves other parties (e.g., in the case of a multi-vehicle accident), once information associated with the other parties is obtained (e.g., from the insured operating a mobile device, or from a claims handler), the other parties may be allowed to receive services through the support network as well. For example, a driver of the other vehicle involved in an accident may be eligible to receive roadside assistance, rental car, hotel or other services and may be prompted to download an insurance application onto their mobile device or access a support network from a personal computer or the like.
Once the support network has been created, processing continues at 412 where information about the support network is communicated to each of the participants, including, for example, the insured, the customer support specialist(s), and the identified service providers. The information communicated may include instructions for accessing the network (including user names and passwords) as well as information identifying the nature of the insurance event that the network has been establish to support. Third parties (such as other drivers involved in a multi-vehicle accident, for example) may also receive information to participate in the support network.
Once a support network has been established in response to an event, a number of participants may easily interact with each other to resolve issues associated with the event. For example, referring now to
Other parties in the support network are also able to easily communicate using the present invention. For example, referring now to
As depicted, a list of the participants in the support network for the current claim file 704 are shown at 710, and the claims handler may message any or all of the participants directly from the user interface. A set of related documents or materials may also be provided at 712. In this manner, a claims handler may easily interact with a number of claims and participate in a number of support networks to resolve issues and provide service and support. Those skilled in the art will appreciate that the user interface 700 may be presented in other layouts, with additional (or different) items of information, and that the specific layout and data shown in
Similar user interfaces may be provided for service providers participating in a support network of the present invention. For example, a service provider such as “Bob's Auto-Body” that has been identified as participating in a support network to resolve claim “7-304857” may be presented with a user interface that allows the service provider to view certain messages associated with their interactions with the claim handler and the insured. In some embodiments the permissions associated with each service provider may be set by a rules engine or by a claims handler to ensure that service providers are able to only access information relevant to their provision of services.
The following illustrates various additional embodiments of the invention. These do not constitute a definition of all possible embodiments, and those skilled in the art will understand that the present invention is applicable to many other embodiments. Further, although the following embodiments are briefly described for clarity, those skilled in the art will understand how to make any changes, if necessary, to the above-described apparatus and methods to accommodate these and other embodiments and applications.
Although specific hardware and data configurations have been described herein, not that any number of other configurations may be provided in accordance with embodiments of the present invention (e.g., some of the information associated with the databases described herein may be combined or stored in external systems).
The term “computer-readable medium” as used herein refers to any non-transitory medium that provides or participates in providing instructions to the processor of the computing device (or any other processor of a device described herein) for execution. Such a medium may take many forms, including but not limited to, non-volatile media and volatile media. Non-volatile media include, for example, optical, magnetic, or opto-magnetic disks, or integrated circuit memory, such as flash memory. Volatile media include Dynamic Random Access Memory (“DRAM”), which typically constitutes the main memory. Common forms of computer-readable media include, for example, a floppy disk, a flexible disk, hard disk, magnetic tape, any other magnetic medium, a CD-ROM, DVD, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, a RAM, a PROM, an EPROM or Electronically Erasable Programmable Read-Only Memory (“EEPROM”), a FLASH-EEPROM, any other memory chip or cartridge, or any other non-transitory medium from which a computer can read.
Various forms of computer readable media may be involved in carrying one or more sequences of one or more instructions to a processor (such as the processor 275 of
The present invention has been described in terms of several embodiments solely for the purpose of illustration. Persons skilled in the art will recognize from this description that the invention is not limited to the embodiments described, but may be practiced with modifications and alterations limited only by the spirit and scope of the appended claims.
Claims
1. An insurance processing system, comprising:
- a communication device to receive event data associated with an insurance related event;
- a processor coupled to the communication device; and
- a storage device in communication with said processor and storing instructions adapted to be executed by said processor to: analyze said event data; identify, based at least in part on said event data, an insured entity and an affected insurance policy; establish, based on said event data, said insured entity, and said affected insurance policy, a support network in response to said insurance related event, the support network including at least the insured entity, a representative of an insurer and at least one service provider; and communicate information associated with said support network to said insured entity.
2. The system of claim 1, wherein the event data includes location information identifying a location of the insurance related event.
3. The system of claim 2, the storage device further storing instructions adapted to be executed by said processor to:
- determine one or more policy rules associated with the insurance related event and the affected insurance policy; and
- identify, based at least in part on the one or more policy rules and the location information, one or more service providers.
4. The system of claim 3, wherein the support network is a social network including the insured entity and the one or more service providers.
5. The system of claim 4, wherein the support network further includes at least a first insurance company representative.
6. The system of claim 1, wherein said information associated with said support network includes access instructions allowing said insured entity to access said support network.
7. The system of claim 1, wherein said insurance event data is received by a direct communication from said insured entity.
8. The system of claim 7, wherein said direct communication is by at least one of (i) an email communication, (ii) a telephone communication, and (iii) a communication from a device associated with said insured entity.
9. The system of claim 1, wherein said insurance event data is received by an indirect communication from said insured entity.
10. The system of claim 9, wherein said indirect communication is detected based on information posted on at least a first social network.
11. The system of claim 9, the storage device further storing instructions adapted to be executed by said processor to:
- validate the occurrence of said insurance related event using information posted on at least a second social network.
12. A computer implemented insurance processing method, comprising:
- receiving, at an insurance processing platform, insurance related event data associated with an insured;
- identifying, based at least in part on said event data, an insured entity, an affected insurance policy and a relevant policy rule;
- applying said relevant policy rule to said event data to establish a support network in response to said insurance related event, the support network including at least the insured entity, a representative of an insurer and at least one service provider identified based on said relevant policy rule; and
- communicating information associated with said support network to said insured entity.
13. The method of claim 12, wherein the insurance related event data includes location information identifying a location of the insurance related event.
14. The method of claim 13, wherein the relevant policy rule is selected based at least in part on the type of insurance related event.
15. The method of claim 12, wherein the support network is a social network including the insured entity, the insurer and the one or more service providers.
16. The method of claim 15, wherein the support network further includes at least a first insurance company representative.
17. The method of claim 12, wherein said information associated with said support network includes access instructions allowing said insured entity to access said support network.
18. The method of claim 12, wherein said insurance event data is received by a direct communication from said insured entity.
19. The method of claim 18, wherein said direct communication is by at least one of (i) an email communication, (ii) a telephone communication, and (iii) a communication from a device associated with said insured entity.
20. The method of claim 12, wherein said insurance event data is received by an indirect communication from said insured entity.
21. The method of claim 20, wherein said indirect communication is detected based on information posted on at least a first social network.
22. The method of claim 21, further comprising:
- validating the occurrence of said insurance related event using information posted on at least a second social network.
23. A method for operating an insurance processing social network, comprising:
- creating an insurance processing social network in response to data identifying an insurance related event involving an insured entity, and the application of a rules engine to identify a plurality of participants in the insurance processing social network;
- transmitting information for accessing the insurance processing social network to said plurality of participants;
- allowing each of said plurality of participants to transmit messages to others of said plurality of participants through said insurance processing social network; and
- displaying said messages to said plurality of participants on a user interface of a computing device associated with each of said plurality of participants.
24. The method of claim 23, further comprising:
- disabling access to said insurance processing social network after said insurance related event has been resolved; and
- archiving data associated with said insurance processing social network for use in an insurance claim file.
Type: Application
Filed: Aug 17, 2012
Publication Date: Dec 19, 2013
Inventors: Seth Brewer (New Britain, CT), Ryan Owen Denning (West Hartford, CT), Mushter Munib Moin (Newington, CT), Deborah L. Perschy (Southington, CT)
Application Number: 13/588,576
International Classification: G06Q 40/08 (20120101);