Systems and methods for modifying resources to manage loss events

• US 10,339,604 B1
• Filed: 12/09/2016
• Issued: 07/02/2019
• Est. Priority Date: 12/02/2013
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Cook, Michael K.
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US15/373,571
• Time in Patent Office: 935 Days
• Field of Search: 705 4
• CPC Class Codes: G06F 16/2379 Updates performed during online database operations; commit processing
• CPC Class Codes: G06F 16/24568 Data stream processing; Continuous queries
• CPC Class Codes: G06F 16/256 in federated or virtual databases
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/06315 Needs-based resource requirements planning or analysis
• CPC Class Codes: G06Q 10/0633 Workflow analysis
• CPC Class Codes: G06Q 30/0281 Customer communication at a business location, e.g. providing product or service information, consulting
• CPC Class Codes: G06Q 30/0283 Price estimation or determination
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Methods and systems for modifying resources equipped to manage loss events and processing associated therewith based on an analysis of real-time data. An insurance provider can maintain historical data that indicates resources usage data for managing previously-occurring loss events. The insurance provider can receive real-time first-party and third-party loss event data from a variety of sources, the loss event data being associated with a recent or forecasted loss event. The insurance provider can compare the received loss event data to the historical data to determine that resources configured to manage insurance claim processing resulting from the loss event may need to be modified. In embodiments, the resources may be hardware or software resources, a workforce, physical goods or supplies, or other resources. The insurance provider can facilitate the appropriate resource modification by interfacing with various components and entities.

Claims

1. A computer-implemented method of modifying resources to manage loss events, the method comprising:

receiving loss event data related to a loss event, the loss event data (i) recorded by at least one sensor associated with at least one property and (ii) received in real time during occurrence of the loss event;

ingesting the loss event data using dedicated stream processing hardware connected to federated database hardware, the loss event data ingested from a front office cluster to a back office cluster of the dedicated stream processing hardware;

routing the loss event data to a high-speed memory store;

performing, by one or more processors, complex event processing on the loss event data in the high-speed memory store to identify (i) a particular type of the loss event, and (ii) a degree associated with the particular type and indicating an expected amount of damage from the loss event;

accessing historical data associated with the particular type of the loss event and the degree associated with the particular type, the historical data indicating a level of computing resources needed to manage at least one previous loss event of the particular type and of the degree;

comparing, with the one or more processors, the loss event data to the historical data;

based on the comparison of the loss event data to the historical data, determining, (i) in real time as the loss event data is received and (ii) during occurrence of the loss event, that the loss event data indicates a different amount of damage than that expected by the historical data; and

modifying, according to the different amount of damage, a level of the computing resources to employ in managing the loss event.

2. The method of claim 1, wherein the historical data further indicates a level of physical parts or supplies needed to manage the at least one previous loss event of the particular type and of the degree.

3. The method of claim 2, further comprising:

based on the comparison of the loss event data to the historical data, further determining, (i) in real time as the loss event data is received and (ii) during the occurrence of the loss event, an anticipated amount of the physical parts or supplies, according to the different amount of damage, needed to manage the loss event; and

contacting a vendor or supplier of the physical parts or supplies to notify the vendor or supplier of the anticipated amount of the physical parts or supplies.

4. The method of claim 1, wherein the historical data further indicates a workforce, and wherein the method further comprises:

modifying a level of the workforce to deploy in response to the loss event.

5. The method of claim 4, wherein comparing the loss event data to the historical data further comprises determining to decrease the workforce, and wherein modifying the level of the workforce comprises:

removing, from a workforce schedule, a portion of the workforce.

6. The method of claim 4, wherein comparing the loss event data to the historical data further comprises determining to increase the workforce, and wherein modifying the level of the workforce comprises:

adding, to a workforce schedule, at least one additional individual.

7. The method of claim 1, wherein comparing the loss event data to the historical data further comprises determining to decrease the level of the computing resources, and wherein modifying the level of the computing resources comprises:

scaling down a portion of the computing resources.

8. The method of claim 1, wherein comparing the loss event data to the historical data further comprises determining to increase the level of the computing resources, and wherein modifying the level of the computing resources comprises:

initiating additional computing resources.

9. The method of claim 1, wherein modifying the level of the computing resources comprises:

modifying the level of at least one of;

servers, computing devices, and software applications.

10. The method of claim 1, wherein accessing the historical data associated with the particular type of the loss event and the degree associated with the particular type comprises:

accessing the historical data indicating the level of computing resources that were used or instantiated to manage the at least one previous loss even of the particular type and of the degree.

11. A system for modifying resources to manage loss events, comprising:

a communication module adapted to receive loss event data related to a loss event, the loss event data (i) recorded by at least one sensor associated with at least one property and (ii) received in real time during occurrence of the loss event;

a high-speed memory store;

dedicated stream processing hardware comprising a front office cluster and a back office cluster, the dedicated stream processing hardware connected to federated database hardware and configured to;

ingest the loss event data from the front office cluster to the back office cluster, and

route the loss event data to the high-speed memory store;

a memory adapted to store historical data of previous loss events; and

a processor adapted to interface with the communication module and the memory, wherein the processor is configured to execute non-transitory computer executable instructions stored in the memory to cause the processor to;

perform complex event processing on the loss event data in the high-speed memory store to identify (i) a particular type of the loss event, and (ii) a degree associated with the particular type and indicating an expected amount of damage from the loss event,

access at least a portion of the historical data that is associated with the particular type of the loss event and the degree associated with the particular type, the at least the portion of the historical data indicating a level of computing resources needed to manage at least one previous loss event of the particular type and of the degree,

compare the loss event data to the at least the portion of the historical data,

based on the comparison, determine, (i) in real time as the loss event data is received and (ii) during occurrence of the loss event, that the loss event data indicates a different amount of damage than that expected by the at least the portion of the historical data; and

modify, according to the different amount of damage, a level of the computing resources to employ in managing the loss event.

12. The system of claim 11, wherein the historical data further indicates a level of physical parts or supplies needed to manage the at least one previous loss event of the particular type and of the degree.

13. The system of claim 12, wherein the processor is further configured to:

based on the comparison of the loss event data to the historical data, further determine, (i) in real time as the loss event data is received and (ii) during the occurrence of the loss event, an anticipated amount of the physical parts or supplies, according to the different amount of damage, needed to manage the loss event, and

contact a vendor or supplier of the physical parts or supplies to notify the vendor or supplier of the anticipated amount of the physical parts or supplies.

14. The system of claim 11, wherein the historical data further indicates a workforce, and wherein the processor is further configured to:

modify a level of the workforce to deploy in response to the loss event.

15. The system of claim 14, wherein the processor determines to decrease the workforce, and wherein to modify the level of the workforce, the processor is configured to:

remove, from a workforce schedule, a portion of the workforce.

16. The system of claim 14, wherein the processor determines to increase the workforce, and wherein to modify the level of the workforce, the processor is configured to:

add, to a workforce schedule, at least one additional individual.

17. The system of claim 11, wherein the processor determines to decrease the level of the computing resources, and wherein to modify the level of the computing resources, the processor is configured to:

scale down a portion of the computing resources.

18. The system of claim 11, wherein the processor determines to increase the level of the computing resources, and wherein to modify the level of the computing resources, the processor is configured to:

initiate additional computing resources.

19. The system of claim 11, wherein to modify the level of the computing resources, the processor is configured to:

modify the level of at least one of;

servers, computing devices, and software applications.

20. The system of claim 11, wherein to access at least the portion of the historical data associated with the particular type of the loss event and the degree associated with the particular type, the processor is configured to:

access at least the portion of the historical data indicating the level of computing resources that were used or instantiated to manage the at least one previous loss even of the particular type and of the degree.