INSURANCE DOCUMENT IMAGING AND PROCESSING SYSTEM

• US 20090265385A1
• Filed: 04/18/2008
• Published: 10/22/2009
• Est. Priority Date: 04/18/2008
• 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: Beland, Paula M., Weiss, Karen B., Pace, Vittoria, Carillo, Catherine, Meyerhofer, Sandra J.
• Application Number:
  US12/105,659
• Publication Number:
  US 20090265385A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 16/258 Data format conversion from or to a database
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

According to some embodiments, an insurance document is received at a document conversion system. The received document may be converted to a document image, and document identification data may be assigned to the document image. The assigned document identification data may be automatically matched to (and/or associated with) insurance information. It may then be arranged to provide the document image, the insurance information, and/or the document identification data for review. Subsequent to review, an insurance claim may be processed in accordance with the document image, the insurance information, and/or the document identification data.

Claims

1. An insurance document processing apparatus, comprising:

a communication device to receive and transmit information via a communication network;

a processor coupled to the communication device; and

a storage device in communication with said processor and storing instructions adapted to be executed by said processor to;

receive an insurance document image and associated document identification data from a document conversion system via the communication device,

match the document identification data with at least one of;

(i) an insurance event identifier, or (ii) an insurance claim identifier, and

transmit an indication of the insurance document image along with the insurance event or claim identifier via the communication device for review and insurance claim processing.

2. The insurance document processing system of claim 1, wherein the insurance document is associated with one of a plurality of insurance policies, at least some of the insurance polices being associated with insurance events, and at least some of the insurance events are associated with a plurality of insurance claims, and further wherein said matching includes mapping the document identification data to an appropriate insurance claim identifier.

3. The insurance document processing system of claim 2, wherein the document identification data comprises a set of identification data, and said mapping is based on the set of data as applied to at least one of:

(i) a pre-determined rule, (ii) a pre-determined formula, (iii) a pre-determined sequence, or (iv) a pre-determined weight.

4. The insurance document processing system of claim 1, further comprising:

a database to store at least one of;

(i) an insurance policy database, (ii) an insurance event database, or (iii) a document image database.

5. The integrated claim processing system of claim 1, wherein said instructions are further adapted to be executed by said processor to:

select a set of addresses to receive the indication of the document image along with the insurance event or claim identifier.

6. An integrated insurance document processing system, comprising:

a document conversion system to;

(i) receive an insurance document from a remote device, (ii) convert the received insurance document to a document image, and (iii) assign document identification data to the document image;

an automated matching engine to;

(i) receive the document image and document identification data from the document conversion system, and (ii) match the document image with insurance information; and

a review system to;

(i) receive the document image and the insurance information from the automated matching engine, and (ii) arrange for a manual review of the document image, the insurance information, or the document identification data.

7. The integrated insurance document processing system of claim 6, wherein said document conversion system further includes at least one of:

(i) an email server, (ii) a web server, (iii) a facsimile machine, (iv) a facsimile machine, (v) an image format converter, (vi) an optical character recognition application, or (vii) an identification data terminal.

8. A computer-implemented method, comprising:

receiving an insurance document at a document conversion system;

converting, via the document conversion system, the received insurance document to a document image;

assigning document identification data to the document image;

automatically matching, via a computer-implemented process, the assigned document identification data to insurance information, storing an indication of the insurance information, and associating the insurance information with the document image;

arranging to provide the document image and the insurance information for review; and

subsequent to said review, processing an insurance claim in accordance with at least one of the document image, the insurance information, or the document identification data.

9. The computer-implemented method of claim 8, wherein the received insurance document is associated with at least one of:

(i) a medical document, (ii) a law enforcement document, (iii) a billing document, (iv) a legal proceeding document, or (v) an insurance policy document.

10. The computer-implemented method of claim 8, wherein the received insurance document is a document packet that represents a plurality of sub-documents.

11. The computer-implemented method of claim 8, wherein said receiving comprises receiving the insurance document from a remote device via a communication network.

12. The computer-implemented method of claim 8, wherein said converting includes at least one of:

(i) scanning a paper document, or (ii) translating from a first image format to a second image format.

13. The computer-implemented method of claim 8, wherein said assigning is performed at least one of:

(i) manually via a graphical user interface, or (ii) using an optical character recognition process.

14. The computer-implemented method of claim 8, wherein said assigning is performed manually using a graphical user interface having a document image display portion and a document identification data entry portion.

15. The computer-implemented method of claim 8, wherein the document identification data includes at least one of:

(i) date of loss information, (ii) an insured name, (iii) a claimant name, (iv) a claim location, (v) a claim type, (vi) an event number, (vii) a claim number, or (viii) an insurance policy number.

16. The computer-implemented method of claim 8, wherein the insurance information includes at least one of:

(i) an insurance policy number, (ii) an insurance event number, or (iii) an insurance claim number.

17. The computer-implemented method of claim 8, wherein said arranging to provide the document image for review includes:

determining at least one reviewer to receive the document image;

transmitting the document image to at least one remote device associated with a determined reviewer; and

receiving annotated information from the remote device.

18. The computer-implemented method of claim 8, wherein the review is performed manually by a reviewer via a graphical user interface.

19. The computer-implemented method of claim 8, wherein at least one of said review and said claim processing is performed via a graphical user interface that includes at least one of:

(i) an expandable document image list, (ii) a search function, (iii) an image view portion, (iv) thumbnail previews, or (v) a data entry portion.

20. The computer-implemented method of claim 8, wherein processing the insurance claim includes:

determining, based on a routing rule, at least one claim processor communication address to receive an indication associated with the document image.

21. The computer-implemented method of claim 8, wherein said arranging comprises:

displaying the document image to a reviewer along with at least one of the document identification data or the insurance information;

receiving from the reviewer an error indication associated with the displayed document image; and

re-determining at least one of the document identification data or the insurance information in response to the received error indication.

22. The computer-implemented method of claim 8, further comprising:

automatically associating the document image with at least one document retention policy.

23. The computer-implemented method of claim 22, further comprising:

in accordance with the document retention policy, automatically performing at least one of the following actions;

(i) deleting the document image, (ii) saving the document image, or (iii) displaying a document retention message in connection with the document image.

24. A computer-readable medium storing instructions adapted to be executed by a processor to perform an insurance document processing method, said method comprising:

receiving an insurance document image and associated document identification data from a document conversion system via a communication device,

matching the document identification data with at least one of;

(i) an insurance event identifier, or (ii) an insurance claim identifier, and

transmitting an indication of the insurance document image along with the insurance event or claim identifier via the communication device for review and insurance claim processing.

25. The computer-readable medium of claim 24, wherein execution of the instructions further results in:

determining at least one reviewer to receive the insurance document image;

transmitting the insurance document image to at least one remote device associated with a determined reviewer; and

receiving annotated information from the remote device.

26. The computer-readable medium of claims 25, wherein execution of the instructions further results in:

displaying the insurance document image to a reviewer along with at least one of (i) the matched insurance event identifier or (ii) the matched insurance claim identifier;

receiving from the reviewer an error indication associated with the displayed insurance document image; and

re-determining at least one of (i) the insurance event identifier or (ii) the insurance claim identifier in response to the received error indication.