System and method for processing insurance claims
First Claim
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1. A computer-implemented method for processing insurance claims in a computer system having a plurality of software components, the method comprising:
- providing a processor and a memory storing computer readable code accessible by the processor for processing the insurance claims, the computer readable code comprising a text analyzer, a rules engine, and a score analyzer, andexecuting the computer readable code by the processor to perform;
identifying, by the text analyzer using a specialized insurance dictionary, insurance data elements in text associated with an insurance claim;
extracting, by the text analyzer, the insurance data elements related to the insurance claim'"'"'s subrogation potential, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups;
storing, by the text analyzer, the extracted insurance data elements in data tables corresponding to the insurance claim;
developing a subrogation potential score by the rules engine for each of the insurance data elements, wherein the developing further comprises;
calculating the subrogation potential score using a set of rules created from existing historical claim data, orassigning the subrogation potential score using the set of rules; and
determining, by the score analyzer, if the insurance claim has subrogation potential based on the subrogation potential scores developed for each of the insurance data elements.
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Abstract
Systems consistent with the present invention automatically process data associated with insurance claims to identify insurance claims with subrogation potential. Text from an insurance claim file may be automatically analyzed to extract data that can be quantified to determine whether the claim may have subrogation potential.
74 Citations
32 Claims
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1. A computer-implemented method for processing insurance claims in a computer system having a plurality of software components, the method comprising:
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providing a processor and a memory storing computer readable code accessible by the processor for processing the insurance claims, the computer readable code comprising a text analyzer, a rules engine, and a score analyzer, and executing the computer readable code by the processor to perform; identifying, by the text analyzer using a specialized insurance dictionary, insurance data elements in text associated with an insurance claim; extracting, by the text analyzer, the insurance data elements related to the insurance claim'"'"'s subrogation potential, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups;storing, by the text analyzer, the extracted insurance data elements in data tables corresponding to the insurance claim; developing a subrogation potential score by the rules engine for each of the insurance data elements, wherein the developing further comprises; calculating the subrogation potential score using a set of rules created from existing historical claim data, or assigning the subrogation potential score using the set of rules; and determining, by the score analyzer, if the insurance claim has subrogation potential based on the subrogation potential scores developed for each of the insurance data elements. - View Dependent Claims (2, 3, 4)
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5. A computer-implemented method for processing an insurance claim in a computer system having a plurality of software modules, the method comprising:
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providing a processor and a memory storing computer readable code accessible by the processor for processing the insurance claim, the computer readable code comprising a receiving module, a separating module, a text analyzer, an assigning module, and an evaluating module, and executing the computer readable code by the processor to perform; receiving text corresponding to the insurance claim by the receiving module, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups;automatically separating the text into groups of words by the separating module; identifying, by the text analyzer using a specialized insurance dictionary, insurance data elements of the insurance claim in the groups of words; extracting, by the text analyzer, the insurance data elements related to the insurance claim'"'"'s subrogation potential; storing, by the text analyzer, the extracted insurance data elements in data tables corresponding to the insurance claim; developing a value for each of the insurance data elements by the assigning module, the value reflecting each insurance data element'"'"'s relevance to the claim subrogation potential, wherein the developing further comprises; calculating the value using a set of rules created from existing historical claim data, or assigning the value using the set of rules; and evaluating the values developed for the insurance data elements by the evaluating module to determine whether the insurance claim has subrogation potential. - View Dependent Claims (6, 7, 8, 9)
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10. A computer system for processing insurance claims comprising:
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a processor; and a memory storing computer readable code accessible by the processor for processing the insurance claims, the computer readable code comprising; a text analyzer software component configured for; identifying insurance data elements in text associated with an insurance claim using a specialized insurance dictionary, extracting the insurance data elements related to the insurance claim'"'"'s subrogation potential, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups, andstoring, by the text analyzer software component, the extracted insurance data elements in data tables corresponding to the insurance claim; and a rules engine software component configured for; developing a subrogation potential score for each of the insurance data elements, wherein the developing further comprises; calculating the subrogation potential score using a set of rules created from existing historical claim data, or assigning the subrogation potential score using the set of rules; and determining if the insurance claim has subrogation potential based on the subrogation potential scores developed for each of the insurance data elements. - View Dependent Claims (11, 12)
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13. A computer system for processing an insurance claim, comprising:
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a processor; a memory storing computer readable code accessible by the processor for processing the insurance claims, the computer readable code comprising; a text analyzer software component configured for; receiving text corresponding to the insurance claim, identifying insurance data elements in the text using a specialized insurance dictionary, extracting the insurance data elements, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups, andstoring, by the text analyzer software component, the extracted insurance data elements in data tables corresponding to the insurance claim; and a rules engine software component configured for; developing a value for each of the data elements, the value reflecting each insurance data element'"'"'s relevance to claim subrogation potential, wherein the developing further comprises; calculating the value using a set of rules created from existing historical claim data, or assigning the value using the set of rules; and evaluating the values developed for the insurance data elements to determine whether the insurance claim has subrogation potential. - View Dependent Claims (14, 15, 16, 17)
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18. A computer usable medium having computer readable code embodied therein for processing insurance claims, the computer readable code comprising:
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an analyzing module for; identifying insurance data elements in text associated with an insurance claim using a specialized insurance dictionary, extracting the insurance data elements related to the insurance claim'"'"'s subrogation potential, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups, andstoring the extracted insurance data elements in data tables corresponding to the insurance claim; an assigning module for developing a subrogation potential score for each of the insurance data elements, wherein the developing further comprises; calculating the subrogation potential score using a set of rules created from existing historical claim data, or assigning the subrogation potential score using the set of rules; and a determining module for determining if the insurance claim has subrogation potential based on the subrogation potential scores developed for each of the insurance data elements. - View Dependent Claims (19)
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20. A computer usable medium having computer readable code embodied therein for processing an insurance claim, the computer readable code comprising:
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a receiving module for receiving text corresponding to the insurance claim, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups;a separating module for automatically separating the text into groups of words; an analyzing module for; identifying insurance data elements of an insurance claim the groups of words using a specialized insurance dictionary, extracting the insurance data elements related to the insurance claim'"'"'s subrogation potential, and storing the extracted insurance data elements in data tables corresponding to the insurance claim; an assigning module for developing a value for each of the insurance data elements, the value reflecting each insurance data element'"'"'s relevance to claim subrogation potential, wherein the developing further comprises; calculating the value using a set of rules created from existing historical claim data, or assigning the value using the set of rules; and an evaluating module for evaluating the values developed for the insurance data elements to determine whether the insurance claim has subrogation potential. - View Dependent Claims (21)
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22. A computer-implemented method for processing insurance claims in a computer system having a plurality of software components, the method comprising:
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providing a processor and a memory storing computer readable code accessible by the processor for processing the insurance claims, the computer readable code comprising a text analyzer and a referral engine, and executing the computer readable code by the processor to perform; identifying, by the text analyzer using a specialized insurance dictionary, insurance data elements in text associated with an insurance claim; extracting, by the text analyzer, the insurance data elements related to the insurance claim'"'"'s subrogation potential, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups;storing, by the text analyzer, the extracted insurance data elements in data tables corresponding to the insurance claim; and determining, as a function of subrogation potential scores associated with at least a set of the insurance data elements by the referral engine, wherein the subrogation potential scores are developed by calculating the subrogation potential score using a set of rules created from existing historical claim data, or assigning the subrogation potential score using the set of rules, whether the insurance claim is to be referred for subrogation. - View Dependent Claims (23, 24, 25)
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26. A computer system for processing insurance claims comprising:
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a processor; a memory storing computer readable code accessible by the processor for processing the insurance claims, the computer readable code comprising; a text analyzer software component configured for; identifying insurance data elements in text associated with an insurance claim using a specialized insurance dictionary, extracting the insurance data elements related to the insurance claim'"'"'s subrogation potential, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups, andstoring, by the text analyzer software component, the extracted insurance data elements in data tables corresponding to the insurance claim; and a referral engine software component configured for determining, as a function of subrogation potential scores associated with at least a set of the insurance data elements, wherein the subrogation potential scores are developed by calculating the subrogation potential score using a set of rules created from existing historical claim data, or assigning the subrogation potential score using the set of rules, whether the insurance claim is to be referred for subrogation. - View Dependent Claims (27, 28)
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29. A computer usable medium having computer readable code embodied therein for processing insurance claims, the computer readable code comprising:
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an analyzing module for; identifying insurance data elements in text associated with an insurance claim using a specialized insurance dictionary, extracting the insurance data elements related to the insurance claim'"'"'s subrogation potential, the text comprising at least one of the following;
sentence textual groups and non-sentence textual groups, andstoring the extracted insurance data elements in data tables corresponding to the insurance claim; a determining module for determining, as a function of subrogation potential scores associated with at least a set of the insurance data elements, wherein the subrogation potential scores are developed by calculating the subrogation potential score using a set of rules created from existing historical claim data, or assigning the subrogation potential score using the set of rules, whether the insurance claim is to be referred for subrogation; and a processing module to run the analyzing module and the determining module. - View Dependent Claims (30, 31, 32)
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Specification