System and method for analyzing and comparing data and using analyzed data to identify liability sources

• US 8,700,434 B1
• Filed: 03/23/2012
• Issued: 04/15/2014
• Est. Priority Date: 03/24/2011
• Status: Expired due to Fees

• Current Assignee: Greg Delong, Louis H. Delong
• Original Assignee: Greg Delong, Louis H. Delong
• Inventors: DeLong, Louis H., DeLong, Greg
• Primary Examiner(s): Norman, Samica L
• Application Number:
  US13/429,003
• Time in Patent Office: 753 Days
• Field of Search: 705/4, 707/104.1, 382/286
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method for analyzing and comparing data from various sources, extracting data from the various sources, converting the data into a particular format, and using that data to generate data records, data documents, and/or reports to assist in isolating medical expenses incurred as a result of automobile accidents and further processing the data to identify whether or not potential third parties may be liable/responsible for the medical expenses incurred from the specific automobile accident.

Claims

1. A method for identifying potential liability sources for medical expenses associated with automobile accidents implemented by at least one processor comprising:

querying via the processor a first database that contains multiple data records containing information about automobile accidents to isolate a specific data record associated with a specific automobile accident;

querying via the processor a second database that is different from said first database and that also contains multiple data records containing information about automobile accidents to isolate a specific data record in said second database that has commonality with said specific automobile accident;

validating via the processor data in said isolated data record in said first database and in said isolated data record in said second database by comparing the data within said isolated data record in said first database against the data within said isolated data record in said second database;

extracting via the processor automobile accident data about said specific automobile accident from one or more of;

said isolated data record in said first database;

or

said isolated data record in said second database;

creating a unique accident identifier for said specific automobile accident via the processor;

generating via the processor a new data record that contains said unique accident identifier and said extracted automobile accident data;

generating an automobile accident information database that includes said newly generated data records;

validating via the processor said new data records within said automobile accident information database by comparing said new data records to a third database containing multiple data records containing information about one or more of;

registered motor vehicles;

registered drivers; and

individuals with a government issued identification;

extracting data via the processor from said automobile accident information database about persons involved in said specific automobile accident;

storing via the processor said extracted data about said persons involved in said specific automobile accident wherein data particular to persons injured in said specific automobile accident will be flagged to identify said injured persons;

comparing via the processor said stored extracted data about persons involved in said specific automobile accident with a fourth database to identify any of said persons involved in said specific automobile accident that received an medical services and to identify any medical claims paid for any medical services provided to any of said persons wherein said fourth database includes information about medical services provided to individuals, the costs associated with said medical services, and claims paid for said medical services;

compiling via the processor data about any of said persons identified as receiving medical services and data about any of said medical claims paid or said medical services provided to said persons into a claims paid data record wherein said claims paid data record comprises;

the identity of persons identified as receiving medical services;

data about medical claims paid for said medical services provided to said persons identified as receiving medical services;

data elements about said specific automobile accident;

comparing via the processor data in said automobile accident information database with a fifth database containing insurance data about drivers and vehicles to isolate insurance data about drivers and vehicles involved said specific automobile accident;

extracting via the processor said isolated insurance data and storing said extracted insurance data in said automobile accident information database;

analyzing via the processor said automobile accident information database to identify the party “

at fault”

for said specific automobile accident;

extracting via the processor data specific to said “

at fault”

party and storing said extracted “

at fault”

party data to an “

at fault”

data record foe said specific automobile accident;

identifying via the processor insurance information for said “

at fault”

party for said specific automobile accident;

comparing via the processor said claims paid data record to said identified insurance information for said “

at fault”

party to determine if any financial responsibility possibly existed for payment of any medical claims associated with said specific automobile accident; and

analyzing via the processor said determination of potential financial responsibility and extracting said identified insurance information for said “

at fault”

party and said correlating claims paid data record and storing said extracted data into a third party potential liability database.

2. The method of claim 1 wherein said first database is an accident database and said second database is a judicial database containing data about civil suits involving automobile accidents.

3. The method of claim 2 wherein said step of extracting automobile accident data about said specific automobile accident comprises one or more of:

extracting via the processor date and time data about said specific automobile accident;

extracting via the processor location data about said specific, automobile accident;

extracting via the processor vehicle identity data for all vehicles involved in said specific automobile accident wherein said vehicle identity data comprises one or more of;

the VIN number;

the make of the vehicle;

the model of the vehicle;

the color of the vehicle;

the year of the vehicle;

extracting via the processor driver identity data for all vehicles involved in said specific automobile accident wherein said driver identity data comprises one or more of;

the drivers name;

the driver'"'"'s date of birth;

the driver'"'"'s address;

the driver'"'"'s license ID number;

extracting via the processor passenger identity data for any passengers involved in said specific automobile accident;

extracting via the processor injury data for any persons injured in said specific automobile accident wherein said injury data comprises one or more of;

the injured person'"'"'s name;

the injured person'"'"'s date of birth;

the injured person'"'"'s address;

the injured person'"'"'s injury status; and

extracting via the processor “

at fault”

data for all drivers involved in said specific automobile accident wherein said “

at fault”

data comprises one or more of;

traffic citation data;

civil judgment data assigning fault for said specific automobile accident.

4. The method of claim 3 wherein said step of extracting automobile accident data about said specific automobile accident further comprises one or more of;

extracting via the processor insurance data for said “

at fault”

drivers involved in said specific automobile accident wherein said insurance data comprises one or more of;

insurance policy number;

name of insurer;

date of policy;

dates of coverage; and

identity of insurance agent.

5. The method of claim 4 wherein said step of extracting automobile accident data about said specific automobile accident further comprises one or more of;

extracting via the processor identity data of any individuals involved in said specific automobile accident that were not in a vehicle involved in said specific automobile accident; and

extracting via the processor identity data of any individuals that were injured in said specific automobile accident that were not in a vehicle involved in said specific automobile accident.

6. The method of claim 5 wherein said fifth database is an insured motorist database.

7. The method of claim 5 wherein said step of comparing said claims paid data record to said identified insurance information for said “

at fault”

party comprises;

analyzing via the processor all medical claims paid to any persons associated with said specific automobile accident to determine the total amount of medical services provided and to determine if there are any outstanding amounts unpaid for said medical services;

analyzing via the processor the “

at fault”

insurance data to determine any amounts paid by said “

at fault”

insurer for said medical services; and

notating via the processor the existence of a potential financial responsibility upon the existence of one or more of;

the medical claims not being paid in full;

the medical claims not being paid in full and the “

at fault”

insurer not making any payments toward said medical services;

the “

at fault”

insurer having not paid the policy limits;

the medical claims being paid by a public insurer when no payments have been made by said at fault insurer toward said medical claims.

8. The method of claim 5 further comprising the step of generating via the processor a report listing all data records in said third party potential liability database.

9. The method of claim 1 further comprising the step of:

validating via the processor said extracted automobile accident data by comparing said extracted automobile accident data against data related to said specific automobile accident contained in a source separate from said first database and said second database and identifying any incorrect data contained within said extracted automobile accident data.

10. The method of claim 9 further comprising the step of:

correcting via the processor said incorrect data;

identifying via the processor all data within said extracted automobile accident data that could not be validated.

11. The method of claim 10 wherein said step of querying a first database to isolate a specific data record comprises:

querying via the processor said accident database for a specific automobile accident; and

extracting via the processor the date and time data associated with said specific automobile accident.

12. The method of claim 11 wherein said step of querying a second database to isolate a specific data record comprises:

querying via the processor said judicial database to locate accident data corresponding to said specific automobile accident queried from said accident database; and

comparing via the processor the extracted date and time data associated with said specific automobile accident from said accident database to confirm that the located accident data queried from said judicial database matches said specific automobile accident queried from said accident database.

13. The method of claim 12 further comprising:

extracting via the processor location data associated with said specific automobile accident.

14. The method of claim 13 further comprising:

validating via the processor said date and time data and said location data associated with said specific automobile accident by comparing said date and time data and said location data associated with said specific automobile accident with a separate data source containing information relating to said specific automobile accident.

15. A computer program product comprising a non-transitory computer readable medium encoded with a plurality of instructions for controlling a processor to perform an operation of identifying potential liability sources for medical expenses associated with automobile accidents, said instructions comprising:

querying a first database that contains multiple data records containing information about automobile accidents to isolate a specific data record associated with a specific automobile accident;

querying a second database that is different from said first database and that also contains multiple data records containing information about automobile accidents to isolate a specific data record in said second database that has commonality with said specific automobile accident;

validating data in said isolated data record in said first database and in said isolated data record in said second database by comparing the data within said isolated data record in said first database against the data within said isolated data record in said second database;

extracting automobile accident data about said specific automobile accident from one or more of;

said isolated data record in said first database;

or

said isolated data record in said second database;

creating a unique accident identifier for said specific automobile accident;

generating a new data record that contains said unique accident identifier and said extracted automobile accident data;

generating an automobile accident information database that includes said newly generated data records;

validating said new data records within said automobile accident information database by comparing said new data records to a third database containing multiple data records containing information about one or more of;

registered motor vehicles;

registered drivers; and

individuals with a government issued identification;

extracting data from said automobile accident information database about persons involved in said specific automobile accident;

storing said extracted data about said persons involved in said specific automobile accident wherein data particular to persons injured in said specific automobile accident will be flagged to identify said injured persons;

comparing said stored extracted data about persons involved in said specific automobile accident with a fourth database to identify any of said persons involved in said specific automobile accident that received any medical services and to identify any medical claims paid for any medical services provided to any of said persons wherein said fourth database includes information about medical services provided to individuals, the costs associated with said medical services, and claims paid tar said medical services;

compiling data about any of said persons identified as receiving medical services and data about any of said medical claims paid for said medical services provided to said persons into a claims paid data record wherein said claims paid data record comprises;

the identity of persons identified as receiving medical services;

data about medical claims paid for said medical services provided to said persons identified as receiving medical services;

data elements about said specific automobile accident;

comparing data in said automobile accident information database with a fifth database containing insurance data about drivers and vehicles to isolate insurance data about drivers and vehicles involved said specific automobile accident;

extracting said isolated insurance data and storing said extracted insurance data in said automobile accident information database;

analyzing said automobile accident information database to identify the party “

at fault”

for said specific automobile accident;

extracting data specific to said “

at fault”

party and storing said extracted “

at fault”

party data to an “

at fault”

data record for said specific automobile accident;

identifying insurance information for said “

at fault”

party for said specific automobile accident;

comparing said claims paid data record to said identified insurance information for said “

at fault”

party to determine if any financial responsibility possibly existed for payment of any medical claims associated with said specific automobile accident; and

analyzing said determination of potential financial responsibility and extracting said identified insurance information for said “

at fault”

party and said correlating claims paid data record and storing said extracted data into a third party potential liability database.

16. The computer program product of claim 15, wherein said instruction of extracting automobile accident data about said specific automobile accident comprises one or more of:

extracting date and time data about said specific automobile accident;

extracting location data about said specific automobile accident;

extracting vehicle identity data for all vehicles involved in said specific automobile accident wherein said vehicle identity data comprises one or more of;

the VIN number;

the make of the vehicle;

the model of the vehicle;

the color of the vehicle;

the year of the vehicle;

extracting driver identity data for all vehicles involved in said specific automobile accident wherein said driver identity data comprises one or more of;

the driver'"'"'s name;

the driver'"'"'s date of birth;

the driver'"'"'s address;

the drivers license ID number;

extracting passenger identity data for all passengers involved in said specific automobile accident;

extracting injury data for any persons injured in said specific automobile accident wherein said injury data comprises one or more of;

the injured person'"'"'s name;

the injured person'"'"'s date of birth;

the injured persons address;

the injured person'"'"'s injury status;

extracting “

at fault”

data for all drivers involved in said specific automobile accident wherein said “

at fault”

data comprises one or more of;

traffic citation data;

civil judgment data assigning fault for said specific automobile accident;

extracting insurance data for said “

at fault”

drivers involved in said specific automobile accident wherein said insurance data comprises one or more of;

insurance policy number;

name of insurer;

date of policy;

dates of coverage; and

identity of insurance agent;

extracting identity data of any individuals involved in said specific automobile accident that were not in a vehicle involved in said specific automobile accident; and

extracting identity data of any individuals that were injured in said specific automobile accident that were not in a vehicle involved in said specific automobile accident.

17. The computer program product of claim 16, wherein said instruction of comparing said claims paid data record to said identified insurance information for said “

at fault”

party comprises;

analyzing all medical claims paid to any persons associated with said specific automobile accident to determine the total amount of medical services provided and to determine if there are any outstanding amounts unpaid for said medical services;

analyzing the “

at fault”

insurance data to determine any amounts paid by said “

at fault”

insurer for said medical services; and

notating the existence of a potential financial responsibility upon the existence of one or more of;

a finding that the medical claims have not being paid in full;

a finding that the medical claims have not being paid in full and the “

at fault”

insurer has not made any payments toward said medical services;

a finding that the “

at fault”

insurer has not paid the policy limits; and

a finding that the medical claims were paid by a public insurer when no payments have been made by said “

at fault”

insurer toward said medical claims.