Computerized system and method for data field pre-filling and pre-filling prevention

• US 10,699,349 B2
• Filed: 11/20/2017
• Issued: 06/30/2020
• Est. Priority Date: 11/08/2012
• Status: Active Grant

• 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: Roberts, Lucas Raymond, Barnes, Shane Eric, Bothwell, Peter T.
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US15/817,495
• Publication Number:
  US 20180075539A1
• Time in Patent Office: 953 Days
• Field of Search: 705 3- 44
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Systems and methods are disclosed herein for processing data in connection with insurance information submissions. The system may be configured to receive entity data relating to an entity for which insurance coverage is sought, and query an interface of a third-party platform based on the entity data. The system may then be configured to receive third-party platform interface data from the third-party platform, analyze the data to determine a web site address for a web page on the third-party platform relating to the entity, and retrieve third-party platform web site data from the web page on the third-party platform indicative of content related to the entity. The system may be configured to pre-fill insurance forms relating to the entity based on the third-party platform data.

Claims

1. A computer system for processing data in connection with data submissions on forms comprising:

one or more data storage devices configured to store entity data for an entity and agency data corresponding to agencies having access to the computerized system;

one or more computer processors in communication with the one or more data storage devices;

a communications device in communication with the one or more computer processors and the one or more data storage devices; and

a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to;

receive entity data input at a user-accessible device in relation to data fields of a computer-implemented form;

determine whether the received entity data in relation to the computer-implemented form comprises the agency data relating to an agency associated with the entity;

responsive to a determination that the received entity data comprises the agency data, generate a display indicating that a pre-fill function will not operate because the agency data was input into the computer-implemented form, wherein none of the data fields of the computer-implemented form relating to the entity is pre-filled; and

responsive to a determination that the received entity data does not comprise the agency data;

query an interface of a third-party platform based on the received entity data;

responsive to the query, receive third-party platform interface data from the third-party platform;

analyze the third-party platform interface data to determine a web site address for a web page on the third-party platform relating to the entity;

retrieve third-party platform web site data from the web page on the third-party platform indicative of content related to the entity;

pre-fill one or more data fields of the computer-implemented form relating to the entity based at least in part on at least one of the third-party platform interface data and the third-party platform web site data; and

output for display on the user-accessible device the form including the pre-filled one or more data fields.

2. The computer system of claim 1, wherein the memory further stores instructions that, when executed, cause the one or more computer processors to:

determine, based on the third-party platform interface data and the third-party platform web site data, an initial classification for the entity; and

determine, based on the third-party platform interface data and the third-party platform web site data, veracity indicators;

wherein the pre-fill of the computer-implemented form is further based on the initial classification and the veracity indicators.

3. The computer system of claim 2, wherein the memory further stores further instructions that, when executed, cause the one or more computer processors to display a warning indicator for the pre-filled data fields of the computer-implemented form that were filled with data having a veracity indicator below a threshold value.

4. The computer system of claim 1, wherein the memory further stores instructions that, when executed, cause the one or more computer processors to:

output an accuracy confirmation prompt for display on the user-accessible device which is selectable by a user to confirm an accuracy of the pre-filled one or more data fields; and

responsive to receipt of a selection to confirm the accuracy of the pre-filled one or more data fields by the user, generate, based at least in part on the pre-filled one or more data fields, a risk coverage policy quotation for the entity.

5. The computer system of claim 1, wherein the memory further store instructions that, when executed, cause the one or more computer processors to:

output an inaccuracy confirmation selection for display on the user-accessible device which is selectable by a user to confirm an inaccuracy of the pre-filled one or more data fields; and

responsive to receipt of the inaccuracy confirmation selection by the user, output for display an indication requesting the user to correct the inaccurate pre-filled one or more data fields.

6. The computer system of claim 1, wherein the memory further stores instructions that, when executed, cause the one or more computer processors to:

determine if at least one of the third-party platform interface data and the third-party platform web site data contains one or more alert terms;

responsive to a determination that at least one of the third-party platform interface data and the third-party platform web site data contains one or more of the alert terms, transmit by the communications device an indication of the determined one or more alert terms to an underwriting computer with the first data indicative of at least one industrial classification associated with the entity; and

responsive to a determination that neither of the third-party platform interface data and the third-party platform web site data contains one or more of the alert terms;

determine risk coverage pricing for the entity; and

generate a risk coverage policy for the entity based on the determined risk coverage pricing for the entity.

7. The computer system of claim 1, wherein the memory further stores instructions that, when executed, cause the one or more computer processors to:

analyze the third-party platform web site data and identify the web site address for the entity'"'"'s web site;

responsive to identification of the entity'"'"'s web site, retrieve entity web site data indicative of content related to the entity from the entity'"'"'s web site;

analyze one or both of the third-party platform web site data and the entity web site data and identify cross-platforms having web pages relating to the entity; and

responsive to identification of one or more cross-platforms having web pages relating to the entity, retrieve, from the one or more cross-platforms having the web pages relating to the entity, at least one of cross-platform interface data and cross-platform web site data relating to the entity;

wherein the pre-fill of the one or more data fields of the computer-implemented form relating to the entity is further based at least in part on at least one of the cross-platform interface data and the cross-platform web site data.

8. The computer system of claim 7, wherein the third-party platform comprises one or more of a third-party business directory and a third party review site based on the entity data.

9. A computer-implemented method for processing data in connection with data submissions, comprising:

receiving, by one or more computer processors, entity data, for an entity, input at a user-accessible device in relation to data fields of a computer-implemented form;

determining, by the one or more computer processors, whether the received entity data, input in relation to the computer-implemented form, comprises stored agency data relating to an agency associated with the entity;

responsive to a determination that the received entity data comprises the agency data, generating by the one or more computer processors, a display indicating that a pre-fill function will not operate because the agency data was input into the computer-implemented form, wherein pre-filling one or more data fields of the computer-implemented form comprises filling none of the data fields of the computer-implemented form; and

responsive to a determination that the received entity data does not comprise the agency data;

querying by a communications device an interface of a third-party platform based on the received entity data;

responsive to the querying, receiving, by the one or more computer processors, third-party platform interface data from the third-party platform;

analyzing, by the one or more computer processors, the third-party platform interface data to determine a web site address for a web page on the third-party platform relating to the entity;

retrieving, by the one or more computer processors, third-party platform web site data from the web page on the third-party platform indicative of content related to the entity;

pre-filling, by the one or more computer processors, one or more data fields of the computer-implemented form relating to the entity based at least in part on at least one of the third-party platform interface data and the third-party platform web site data; and

outputting for display on the user-accessible device the form including the pre-filled one or more data fields.

10. The computer-implemented of claim 9, further comprising:

determining, based on at least one of the third-party platform interface data and the third-party platform web site data, an initial classification for the entity; and

determining, based on the third-party platform interface data and the third-party platform web site data, veracity indicators;

wherein the pre-filling of the computer-implemented form is further based on the initial classification and the veracity indicators.

11. The computer-implemented of claim 10, further comprising:

displaying a warning indicator for the pre-filled data fields of the computer-implemented form that were filled with data having a veracity indicator below a threshold value.

12. The computer-implemented of claim 9, further comprising:

outputting, by the one or more computer processors, an accuracy confirmation selection for display on the user-accessible device which is selectable by a user to confirm an accuracy of the pre-filled one or more data fields; and

responsive to receipt of the accuracy confirmation selection via the display, generating, based at least in part on the pre-filled one or more data fields, a risk coverage policy quote for the entity.

13. The computer-implemented of claim 12, further comprising:

outputting an inaccuracy confirmation selection for display on the user-accessible device which is selectable by a user to confirm an inaccuracy of the pre-filled one or more data fields; and

responsive to receipt of the inaccuracy confirmation selection via the user-accessible device, outputting for display an indication requesting the agent or the entity to correct the inaccurate pre-filled one or more data fields.

14. The computer-implemented of claim 9, further comprising:

wherein the pre-fill of the one or more data fields of the computer-implemented form relating to the entity is further based at least in part on at least one of the third-party platform interface data and the third-party platform web site data.

15. The computer-implemented of claim 9, further comprising:

determining if at least one of the third-party platform interface data and the third-party platform web site data contain one or more alert terms;

responsive to a determination that at least one of the third-party platform interface data and the third-party platform web site data contains one or more of the alert terms, transmitting by the communications device an indication of the determined one or more alert terms to an underwriting computer with the first data indicative of at least one industrial classification associated with the entity; and

responsive to a determination that neither of the third-party platform interface data and the third-party platform web site data contains one or more of the alert terms;

determining risk coverage pricing for the entity; and

generating a risk coverage policy for the entity based on the determined coverage pricing for the entity.

16. The computer-implemented of claim 9, further comprising:

analyzing, by the one or more computer processors, the third-party platform web site data and identify the web site address for the entity'"'"'s web site;

responsive to identification of the entity'"'"'s web site, retrieving entity web site data indicative of content related to the entity from the entity'"'"'s web site;

analyzing, by the one or more computer processors, one or both of the third-party platform web site data and the entity web site data and identifying one or more cross-platforms having web pages relating to the entity; and

responsive to identification of one or more cross-platforms having web pages relating to the entity, retrieving, from the one or more cross-platforms having the web pages relating to the entity, cross-platform interface data and cross-platform web site data relating to the entity.