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US 11,699,192 B2Granted
Load balancing and segmentation system
AssigneeHartford Fire Insurance Company
InventorsPaul J. Edwards, Keren Shemesh
Life of this patent
Estimating the term…
Abstract
According to some embodiments, data may be received indicative of a plurality of insurance claims along with an indication of an appropriate claim segment classification for each insurance claim. A first claim handler may then be automatically selected for a first insurance claim based at least in part on: (i) a first segment classification associated with the first insurance claim, (ii) numbers of other insurance claims currently assigned to claim handlers, and (iii) load factors associated with claim handlers. An indication of the selected first claim handler may then be transmitted.
Claims18
A computerized system, comprising:
- a data storage device storing data indicative of a plurality of insurance claims submitted in connection with insurance policies, the data comprising a plurality of data elements for each of the insurance claims;
- a segmentation platform processor configured for:
- determining, based on evaluation of the data stored by the data storage device associated with a first insurance claim with first segmentation logic, a first segment classification for the first insurance claim, the first segment classification being one of a plurality of sequential segment classifications ranked from lowest ranking to highest ranking based on at least one of complexity and potential liability, wherein at least the first segmentation logic comprises a rule mapping at least one parameter description value to a minimum ranking value of the plurality of sequential segment classifications;
- determining, based on evaluation of the data associated with the first insurance claim with second segmentation logic different from the first segmentation logic, a second segment classification for the first insurance claim, the second segment classification being another one of the plurality of sequential segment classifications,
- comparing the first segment classification determined based upon the first segmentation logic and the second segment classification determined based upon the second segmentation logic;
- and
- transmitting an indication of the higher of the first and second segment classifications, determined based upon the comparing, to a load balancing and assignment platform processor;
- and
- a load balancing and assignment platform processor in communication with the segmentation platform processor, configured for:
- selecting a first claim handler for the first insurance claim based at least in part on the higher of the first and second sequential segment classifications determined by the segmentation platform processor associated with the first insurance claim, and claim handler information;
- the selecting being performed at least in part by a predictive model trained with historical insurance claim information, the predictive model including at least one of:
- (i) a neural network, and (ii) a support vector machine;
- and transmitting an indication of the selected first claim handler.
10 more elements
A computer-implemented method, comprising:
- determining, by a segmentation platform based on evaluation with first segmentation logic of data stored by a data storage device associated with a first insurance claim, a first segment classification for the first insurance claim, the first segment classification being one of a plurality of sequential segment classfications ranked from lowest ranking to highest ranking based on at least one of complexity and potential liability, wherein at least the first segmentation logic comprises a rule mapping at least one parameter description value to a minimum ranking value of the plurality of sequential segment classifications;
- determining, by the segmentation platform based on evaluation with second segmentation logic different from the first segmentation logic of the data associated with the first insurance claim, a second segment classification for the first insurance claim, the second segment classification being another one of the plurality of sequential segment classifications,
- comparing the first segment classification determined based upon the first segmentation logic and the second segment classification determined based upon the second segmentation logic;
- transmitting an indication of the higher of the first and second segment classifications, determined based upon the comparing, to a load balancing and assignment platform processor;
- responsive to receipt of the transmitted indication of the higher of the first and second segment classifications, by a load balancing and assignment platform processor in communication with the segmentation platform:
- selecting a first claim handler for the first insurance claim based at least in part on the higher of the first and second sequential segment classifications determined by the segmentation platform associated with the first insurance claim, and claim handler information;
- the selecting being performed at least in part by a predictive model trained with historical insurance claim information, the predictive model including at least one of:
- (i) a neural network, and (ii) a support vector machine;
- and
- transmitting an indication of the selected first claim handler.
7 more elements
Dependencies are inferred from the claim text.