SYSTEMS AND METHODS FOR CUSTOMER-DRIVEN RISK ANALYSIS

• US 20130060584A1
• Filed: 04/30/2012
• Published: 03/07/2013
• Est. Priority Date: 09/02/2011
• Status: Abandoned Application

• Current Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Original Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Inventors: Balthazar, Amy, Strietelmeier, Michael
• Application Number:
  US13/459,503
• Publication Number:
  US 20130060584A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Systems, methods, and articles of manufacture (such as interfaces) may be provided to enable a customer to identify, manage, reduce, and/or otherwise analyze or determine risk exposure.

Claims

1. A method, comprising:

determining, by a processing device, which one injury class of a plurality of injury classes an injury type is categorized in;

creating, by the processing device, a summary data table storing aggregated risk data for a customer, the summary data table including an indication of the categorization of the injury type to the one injury class of the plurality of injury classes;

providing, by the processing device, an interface comprising one or more graphical representations of the aggregated risk data for the customer;

receiving, by the processing device, an indication of customer input identifying a risk data summary metric; and

causing, by the processing device, the interface to display at least one portion of the aggregated risk data summarized by the identified risk data summary metric.

2. The method of claim 1, further comprising:

providing, based on the at least one portion of the aggregated risk data summarized by the identified risk data summary metric, risk exposure reduction guidance.

3. The method of claim 2, further comprising:

determining, after the providing of the risk exposure reduction guidance, that a risk exposure remedial action is taken by the customer.

4. The method of claim 3, further comprising:

causing the interface to display a representation of an effect of the risk exposure remedial action on the aggregated risk data for the customer.

5. The method of claim 1, further comprising:

determining that the customer has utilized the aggregated risk data for the customer.

6. The method of claim 5, wherein the determining that the customer has utilized the aggregated risk data for the customer comprises determining that the customer has utilized the interface.

7. The method of claim 5, further comprising:

altering, based on the determining that the customer has utilized the aggregated risk data for the customer, an insurance payment of the customer.

8. The method of claim 7, wherein the insurance payment comprises one or more of:

(i) an insurance premium;

(ii) an insurance deductible; and

(iii) an insurance discount.

9. The method of claim 1, wherein the determining of the one injury class of the plurality of injury classes the injury type is categorized in comprises mapping a plurality of known injury types to the plurality of injury classes.

10. The method of claim 1, wherein the risk data for the customer is aggregated based on one or more of the injury type, the at least one injury class of the plurality of injury classes, and information defining one or more divisions of a business of the customer.

11. The method of claim 1, wherein the providing of the interface comprises providing the interface via a mobile device of the customer.

12. The method of claim 1, wherein the interface comprises a first portion displaying a chart of a portion of the aggregated risk data for the customer, a second portion comprising a graphical representation of a trend descriptive of the portion of the aggregated risk data for the customer, and a third portion comprising a graphical representation of detail data from which the portion of the aggregated risk data for the customer is derived.

13. The method of claim 12, further comprising:

causing an outputting of only two of the first, second, and third portions of the interface.

14. The method of claim 13, wherein the causing of the outputting is conducted in response to an indication of an output preference of the customer.

15. The method of claim 13, wherein the outputting comprises at least one of a printing and a file creation.

16. The method of claim 13, wherein the outputting comprises a bundling of the only two of the first, second, and third portions of the interface.

17. An apparatus, comprising:

a processor; and

a memory in communication with the processor, the memory storing instructions that when executed by the processor result in;

determining which one injury class of a plurality of injury classes an injury type is categorized in;

creating a summary data table storing aggregated risk data for a customer, the summary data table including an indication of the categorization of the injury type to the one injury class of the plurality of injury classes;

providing an interface comprising one or more graphical representations of the aggregated risk data for the customer;

receiving an indication of customer input identifying a risk data summary metric; and

causing the interface to display at least one portion of the aggregated risk data summarized by the identified risk data summary metric.

18. The apparatus of claim 17, wherein the instructions, when executed by the processor, further result in:

providing, based on the at least one portion of the aggregated risk data summarized by the identified risk data summary metric, risk exposure reduction guidance.

19. The apparatus of claim 18, wherein the instructions, when executed by the processor, further result in:

determining, after the providing of the risk exposure reduction guidance, that a risk exposure remedial action is taken by the customer.

20. The apparatus of claim 19, wherein the instructions, when executed by the processor, further result in:

causing the interface to display a representation of an effect of the risk exposure remedial action on the aggregated risk data for the customer.

21. The apparatus of claim 17, wherein the instructions, when executed by the processor, further result in:

determining that the customer has utilized the aggregated risk data for the customer.

22. The apparatus of claim 21, wherein the determining that the customer has utilized the aggregated risk data for the customer comprises determining that the customer has utilized the interface.

23. The apparatus of claim 21, wherein the instructions, when executed by the processor, further result in:

altering, based on the determining that the customer has utilized the aggregated risk data for the customer, an insurance payment of the customer.

24. The apparatus of claim 23, wherein the insurance payment comprises one or more of:

(i) an insurance premium;

(ii) an insurance deductible; and

(iii) an insurance discount.

25. An article of manufacture comprising a computer-readable memory storing instructions that when executed by a processor result in:

determining which one injury class of a plurality of injury classes an injury type is categorized in;

creating a summary data table storing aggregated risk data for a customer, the summary data table including an indication of the categorization of the injury type to the one injury class of the plurality of injury classes;

providing an interface comprising one or more graphical representations of the aggregated risk data for the customer;

receiving an indication of customer input identifying a risk data summary metric; and

causing the interface to display at least one portion of the aggregated risk data summarized by the identified risk data summary metric.