SYSTEMS AND METHODS FOR INITIATING INSURANCE PROCESSING USING INGESTED DATA

• US 20140278573A1
• Filed: 12/04/2013
• Published: 09/18/2014
• Est. Priority Date: 03/15/2013
• Status: Abandoned Application

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Cook, Michael K.
• Application Number:
  US14/096,850
• Publication Number:
  US 20140278573A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06F 16/113 Details of archiving lifecycle management in storage systems G06F3/0649; backup systems G06F11/1446
• CPC Class Codes: G06F 16/245 Query processing
• CPC Class Codes: G06F 16/256 in federated or virtual databases
• CPC Class Codes: G06F 16/9537 Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: H04L 67/1097 for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
• CPC Class Codes: H04L 67/51 Discovery or management thereof, e.g. service location protocol [SLP] or web services
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 Network security protocols

Abstract

Methods and systems for pre-filling insurance forms for customers are provided. An insurance provider or other similar entity can receive loss event data associated with a certain loss event that could trigger customers submitting insurance claims. By examining the loss event data and associated customer and insurance policy data, the insurance provider can identify customers who may have experienced damage to property and therefore may be eligible to submit a claim for the damage. According to embodiments, the insurance provider can generate pre-filled forms using at least some of the loss event data and send the pre-filled forms to the potentially eligible customers. The customers can modify the pre-filled forms where necessary and submit insurance claims based on the pre-filled forms for processing by the insurance provider.

Claims

1. A computer-implemented method of initiating insurance processing associated with a loss event, the insurance processing being associated with an insurance policy for a property, the method comprising:

receiving loss event data related to the loss event;

reconciling, by a processor, the loss event data with customer data to identify a customer potentially affected by the loss event, the customer having the insurance policy for the property;

generating, by the processor for the insurance policy of the customer, a pre-filled form for the loss event based on at least a portion of the loss event data;

sending the pre-filled form to the customer;

receiving, from the customer, a submission request for an insurance claim based on the pre-filled form; and

responsive to receiving the submission request, processing, by the processor, the insurance claim to facilitate eventual payment to the customer having the insurance policy.

2. The method of claim 1, wherein receiving the loss event data related to the loss event comprises at least one of 1) receiving sensor data from the property, 2) receiving user-submitted data from a computing device, and 3) receiving third-party data from a third-party server.

3. The method of claim 2, wherein the third-party data is selected from the group consisting of news data, weather data, government data, social network data, data from public databases, and data from private databases.

4. The method of claim 1, wherein receiving the loss event data related to the loss event comprises:

receiving the loss event data; and

performing a complex event processing (CEP) on the loss event data to identify the loss event.

5. The method of claim 1, wherein reconciling the loss event data with the customer data comprises:

detecting an access to a claims system by the customer;

identifying, from the access to the claims system, at least a portion of the customer data associated with the customer; and

reconciling the loss event data with at least the portion of the customer data to determine that the customer is potentially affected by the loss event.

6. The method of claim 1, further comprising:

detecting an access to a claims system by an additional customer;

identifying, from the access to the claims system, additional customer data associated with the additional customer;

reconciling the loss event data with the additional customer data to determine that the additional customer is also potentially affected by the loss event; and

generating, for the additional customer, an additional pre-filled form for the loss event.

7. The method of claim 1, wherein reconciling the loss event data with the customer data comprises:

examining the loss event data to identify a location associated with the loss event; and

examining the customer data to determine that

     1) the property is within the location, and

     2) the insurance policy for the property covers the loss event.

8. The method of claim 1, wherein reconciling the loss event data with the customer data comprises:

searching, with the processor, an index based on the loss event data to identify the customer and retrieve the customer data; and

examining the customer data to determine that the insurance policy covers the loss event.

9. The method of claim 1, wherein generating the pre-filled form for the loss event comprises:

receiving a first notice of loss (FNOL) event;

comparing information associated with the FNOL event to the loss event data; and

generating the pre-filled form based on the comparison.

10. The method of claim 9, further comprising:

based on the information associated with the first notice of loss (FNOL) event, identifying an additional customer also potentially affected by the loss event; and

generating, for the additional customer, an additional pre-filled form for the loss event.

11. A system for initiating insurance processing associated with a loss event, comprising:

a communication module adapted to receive loss event data related to the loss event;

a memory adapted to store data related to a plurality of insurance policies for a plurality of properties; 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;

reconcile the loss event data with customer data to identify a customer potentially affected by the loss event, the customer having an insurance policy of the plurality of insurance policies for a property of the plurality of properties,

generate, for the insurance policy of the customer, a pre-filled form for the loss event based on at least a portion of the loss event data,

send, using the communication module, the pre-filled form to the customer,

receive, from the customer via the communication module, a submission request for an insurance claim based on the pre-filled form, and

process the insurance claim in response to receiving the submission request to facilitate eventual payment to the customer having the insurance policy.

12. The system of claim 11, wherein the loss event data related to the loss event includes at least one of 1) sensor data from the property, 2) user-submitted data from a computing device, and 3) third-party data from a third-party server.

13. The system of claim 12, wherein the third-party data is selected from the group consisting of news data, weather data, government data, social network data, data from public databases, and data from private databases.

14. The system of claim 11, wherein the processor is configured to execute the computer executable instructions stored in the memory to further cause the processor to perform a complex event processing (CEP) on the loss event data to identify the loss event.

15. The system of claim 11, further comprising a claim processing interface accessible by the customer, wherein the processor reconciles the loss event data with the customer data to cause the processor to:

detect an access to the claim processing interface by the customer,

identify, from the access to the claim processing interface, at least a portion of the customer data associated with the customer, and

reconcile the loss event data with at least the portion of the customer data to determine that the customer is potentially affected by the loss event.

16. The system of claim 11, further comprising a claim processing interface accessible by the customer, wherein the processor is configured to execute the computer executable instructions stored in the memory to further cause the processor to:

detect an access to the claim processing interface by an additional customer,

identify, from the access to the claims system, additional customer data associated with the additional customer,

reconcile the loss event data with the additional customer data to determine that the additional customer is also potentially affected by the loss event, and

generate, for the additional customer, an additional pre-filled form for the loss event.

17. The system of claim 11, wherein the processor reconciles the loss event data with the customer data to cause the processor to:

examine the loss event data to identify a location associated with the loss event, and

examine the customer data to determine that

     1) the property is within the location, and

     2) the insurance policy for the property covers the loss event.

18. The system of claim 11, wherein the memory includes an index adapted to store the customer data, and wherein the processor reconciles the loss event data with the customer data to cause the processor to:

search the index based on the loss event data to identify the customer and retrieve the customer data, and

examine the customer data to determine that the insurance policy covers the loss event.

19. The system of claim 11, wherein the communication module is further adapted to receive a first notice of loss (FNOL) event, and wherein the processor generates the pre-filled form for the loss event to cause the processor to:

compare information associated with the FNOL event to the loss event data, and

generate the pre-filled form based on the comparison.

20. The system of claim 19, wherein the processor is configured to execute the computer executable instructions stored in the memory to further cause the processor to:

based on the information associated with the first notice of loss (FNOL) event, identify an additional customer also potentially affected by the loss event, and

generate, for the additional customer, an additional pre-filled form for the loss event.