COMPUTER SYSTEM FOR ANALYZING CLAIMS FILES TO IDENTIFY PREMIUM FRAUD

• US 20110015948A1
• Filed: 07/20/2009
• Published: 01/20/2011
• Est. Priority Date: 07/20/2009
• Status: Abandoned Application

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: McGoldrick, John Albert, Faraclas, Stephen William, Lewis, William Cameron, Adams, Jonathan Kaleb
• Application Number:
  US12/506,038
• Publication Number:
  US 20110015948A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A computer system includes a data storage module. The data storage module receives, stores, and provides access to both aggregate claims file data and insurance policy data. 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. A text mining component is coupled to the data storage module, and analyzes unstructured text in the aggregate claims file data to detect indicators of possible premium fraud. A routing module in the computer system routes for investigation insurance policies that correspond to the claim files in which indicators of possible premium fraud were detected.

Claims

1. A computer system comprising:

a data storage module for receiving, storing, and providing access to aggregate claims file data, said aggregate claims file data representing claims for workers compensation benefits under a plurality of workers compensation insurance policies, said aggregate claims file data including unstructured text fields that contain unstructured text information, said data storage module also receiving, storing and providing access to policy data that relates to said plurality of workers compensation insurance policies;

a text mining component, coupled to the data storage module, for determining whether to identify a one of said workers compensation insurance policies for referral to an investigation unit, wherein said determining includes analyzing unstructured text information contained in aggregate claims file data for said one of said workers compensation insurance policies, said analyzing for detecting at least one indicator of premium fraud in said unstructured text information;

a computer processor, coupled to the data storage module, for executing programmed instructions and for storing and retrieving said aggregate claims file data and said policy data;

program memory, coupled to the computer processor, for storing program instruction steps for execution by the computer processor;

an output device, coupled to the computer processor, for outputting an output indicative of whether said one of said workers compensation insurance policies should be referred to the investigation unit, wherein the computer processor generates the output in accordance with program instructions in the program memory and executed by the computer processor, said output generated in response to analyzing the unstructured text information contained in the aggregate claims file data for said one of said workers compensation insurance policies; and

a routing module for directing workflow based on the output from the output device.

2. The computer system of claim 1, wherein the text mining component is configured with at least one rule for identifying an indicator of premium fraud in said analyzed unstructured text information.

3. The computer system of claim 2 wherein each of said claims is brought by a respective claimant under one of said workers compensation insurance policies that is issued to a respective policy holder.

4. The computer system of claim 3, wherein the at least one rule includes a rule for detecting a phrase that indicates that the respective claimant is not an employee of the respective policy holder.

5. The computer system of claim 3, wherein the at least one rule includes a rule for detecting a phrase that indicates that the claimant received wages in cash.

6. The computer system of claim 3, wherein the at least one rule includes a rule for detecting a phrase that indicates that the claimant is an illegal alien.

7. The computer system of claim 3, wherein the at least one rule includes a rule for detecting a phrase that indicates that the claimant does not have a Social Security number.

8. The computer system of claim 2, wherein said at least one rule includes a phrase definition, said phrase definition indicative of a plurality of alternative phrase forms having a common meaning, said phrase definition for triggering detection of any one of said plurality of alternative phrase forms.

9. The computer system of claim 8, wherein said phrase definition includes:

(a) a root phrase that serves as a label for the phrase definition;

(b) a plurality of alternative phrase forms each formed by concatenating a plurality of terms; and

(c) for each of at least some of said terms, one or more equivalent terms selected as being identical or equivalent to said each term.

10. The computer system of claim 9, wherein some of said terms are wild card terms.

11. The computer system of claim 1, wherein said unstructured text fields include one or more of claim handlers'"'"' text assessments of claims, claim handlers'"'"' notes of conversations, text of electronic mail messages imported into the aggregate claims file data, and comments from supervisors of claims handlers.

12. The computer system of claim 1, further comprising:

a scoring component, coupled to the text mining component, for assigning a respective score to each one of said workers compensation insurance policies identified by the text mining component for referral to the investigation unit, said respective score indicative of a likelihood that premium fraud is present in said each one of said workers compensation insurance policies.

13. The computer system of claim 1, further comprising:

a policy data analysis component, coupled to the text mining component, for analyzing said policy data and for cooperating with the text mining component in determining, based on said analyzed policy data, whether to identify said one of said workers compensation insurance policies for referral to the investigation unit.

14. The computer system of claim 1, further comprising a language translation component, coupled to the data storage module, for translating said unstructured text information from a first language to a second language, said text mining component analyzing said unstructured text information in said second language.

15. A computer system comprising:

a data storage module for receiving, storing, and providing access to aggregate claims file data, said aggregate claims file data representing claims made under a plurality of insurance policies, said aggregate claims file data including unstructured text fields that contain unstructured text information, said data storage module also receiving, storing and providing access to policy data that relates to said plurality of insurance policies;

a text mining component, coupled to the data storage module, for determining whether to identify a one of said insurance policies for referral to an investigation unit, wherein said determining includes analyzing unstructured text information contained in aggregate claims file data for said one of said insurance policies, said analyzing for detecting at least one indicator of premium fraud in said unstructured text information;

a computer processor, coupled to the data storage module, for executing programmed instructions and for storing and retrieving said aggregate claims file data and said policy data;

program memory, coupled to the computer processor, for storing program instruction steps for execution by the computer processor;

an output device, coupled to the computer processor, for outputting an output indicative of whether said one of said insurance policies should be referred to the investigation unit, wherein the computer processor generates the output in accordance with program instructions in the program memory and executed by the computer processor, said output generated in response to analyzing the unstructured text information contained in the aggregate claims file data for said one of said insurance policies; and

a routing module for directing workflow based on the output from the output device.

16. The computer system of claim 15, wherein the text mining component is configured with at least one rule for identifying an indicator of premium fraud in said analyzed unstructured text information.

17. The computer system of claim 16, wherein said at least one rule includes a phrase definition, said phrase definition indicative of a plurality of alternative phrase forms having a common meaning, said phrase definition for triggering detection of any one of said plurality of alternative phrase forms.

18. The computer system of claim 17, wherein said phrase definition includes:

(a) a root phrase that serves as a label for the phrase definition;

(b) a plurality of alternative phrase forms each formed by concatenating a plurality of terms; and

(c) for each of at least some of said terms, one or more equivalent terms selected as being identical or equivalent to said each term.

19. The computer system of claim 18, wherein some of said terms are wild card terms.

20. The computer system of claim 15, wherein said unstructured text fields include one or more of claim handlers'"'"' text assessments of claims, claim handlers'"'"' notes of conversations, text of electronic mail messages imported into the aggregate claims file data, and comments from supervisors of claims handlers.

21. The computer system of claim 15, further comprising:

a scoring component, coupled to the text mining component, for assigning a respective score to each one of said insurance policies identified by the text mining component for referral to the investigation unit, said respective score indicative of a likelihood that premium fraud is present in said each one of said insurance policies.

22. The computer system of claim 15, further comprising:

a policy data analysis component, coupled to the text mining component, for analyzing said policy data and for cooperating with the text mining component in determining, based on said analyzed policy data, whether to identify said one of said insurance policies for referral to the investigation unit.

23. The computer system of claim 15, further comprising a language translation component, coupled to the data storage module, for translating said unstructured text information from a first language to a second language, said text mining component analyzing said unstructured text information in said second language.

24. A method of operating a computer system to identify premium fraud in workers compensation insurance policies, the method comprising:

storing aggregate claims file data in the computer system, said aggregate claims file data representing claims for workers compensation benefits under a plurality of workers compensation insurance policies, said aggregate claims file data including unstructured text fields that contain unstructured text information;

storing policy data in the computer system, said policy data relating to said plurality of workers compensation insurance policies;

using in said computer system a text mining tool to define at least one rule for identifying at least one indicator of premium fraud in said unstructured text information;

automatically analyzing said unstructured text information in said stored aggregate claims file data by using said at least one rule and said text mining tool to select ones of said workers compensation insurance policies, said selected ones of said workers compensation insurance policies corresponding to ones of said claims for which said analyzing identified said at least one indicator of premium fraud;

generating output signals in the computer system, said output signals including portions of said policy data, said portions of said policy data corresponding to said selected ones of said workers compensation insurance policies, said output signals also including data that represents said at least one indicator of premium fraud identified by said analyzing; and

outputting said output signals from said computer system.

25. The method of claim 24, wherein said at least one rule includes a phrase definition, said phrase definition indicative of a plurality of alternative phrase forms having a common meaning, said phrase definition for triggering detection of any one of said plurality of alternative phrase forms.

26. The method of claim 24, wherein said unstructured text fields include one or more of claim handlers'"'"' text assessments of claims, claim handlers'"'"' notes of conversations, text of electronic mail messages imported into the aggregate claims file data, and comments from supervisors of claims handlers.

27. The method of claim 24, further comprising:

assigning a respective score to each one of said selected workers compensation insurance policies, said respective score indicative of a likelihood that premium fraud is present in said each one of said workers compensation insurance policies.

28. The method of claim 24, further comprising:

analyzing said policy data in determining whether to select said one of said workers compensation insurance policies.

29. The method of claim 24, further comprising:

translating said unstructured text information from a first language to a second language, said analyzing said unstructured text information being performed in said second language.