Processing system to generate risk scores for electronic records

A computerized method of an enterprise, comprising:

• accessing, by a model training computer, information in a historical data store containing electronic records representing prior associations with the enterprise and, for each prior association, an electronic record identifier, a set of attribute values, and at least one prior result, wherein the information accessed by the model training computer includes sets of attribute values and prior results for a plurality of prior associations;
• training, by the model training computer, a predictive scoring model with historic insurance claim information associated insurance policies along with third-party data;
• transmitting the trained predictive scoring model from the model training computer to an automated scoring analysis computer;
• accessing, by a computer processor of the automated scoring analysis computer via an encrypted database management system, information in the potential association data store, including sets of attribute values, wherein the potential association data store contains electronic records representing a plurality of potential associations for properties, each property having a building, and the enterprise and, for each potential association, an electronic record identifier and a set of attribute values;
• receiving, by a computer processor of the automated scoring analysis computer, an indication of a selected potential association in the potential association data store, including the set of attribute values;
• calculating, by the computer processor of the automated scoring analysis computer, a risk score for the selected potential association, representing a risk of loss for a property, based on all of:
• the trained predictive scoring model, social media data of the property, third-party data, location information, and information about the building, including a building limit per square foot;
• outputting, by the computer processor of the automated scoring analysis computer, an indication of the calculated risk score;
• receiving, by a computer processor of a back-end application computer server, the indication of the calculated risk score for the selected potential association;
• automatically selecting, by the computer processor of the back-end application computer server, a workflow path from a plurality of potential workflow paths based on the indication of the calculated risk score;
• executing, by the computer processor of the back-end application computer server, the selected workflow path by modifying a set of information requests including the automatic removal of information requests transmitted from the enterprise when the calculated risk score is below a pre-determined threshold value and the automatic completion of the potential association based on the calculated risk score and responses received in association with the modified set of information requests;
• transmitting, by the computer processor of the back-end application computer server, training information to the model training computer to adapt the trained predictive scoring model to changing conditions;
• and
• supporting an interactive user interface display in accordance with the selected workflow path via security features and a distributed communication network, wherein the selected workflow path reduces an overall number of electronic messages transmitted by omitting a subset of information request messages transmitted via the communication port when the calculated risk score is below the pre-determined threshold value,
• and further wherein the interactive user interface display includes all of:
• (1) an image of the property and building, (2) a linear graphical representation of the calculated risk score, and (3) an indication of the selected workflow path.

A non-transitory, computer-readable medium storing instructions, that, when executed by a processor, cause the processor to perform a risk management method of an enterprise, the method comprising:

• accessing, by a model training computer, information in a historical data store containing electronic records representing prior associations with the enterprise and, for each prior association, an electronic record identifier, a set of attribute values, and at least one prior result, wherein the information accessed by the model training computer includes sets of attribute values and prior results for a plurality of prior associations;
• training, by the model training computer, a predictive scoring model with historic insurance claim information associated insurance policies along with third-party data;
• transmitting the trained predictive scoring model from the model training computer to an automated scoring analysis computer;
• accessing, by a computer processor of the automated scoring analysis computer via an encrypted database management system, information in the potential association data store, including sets of attribute values, wherein the potential association data store contains electronic records representing a plurality of potential associations for properties, each property having a building, and the enterprise and, for each potential association, an electronic record identifier and a set of attribute values;
• receiving, by a computer processor of the automated scoring analysis computer, an indication of a selected potential association in the potential association data store, including the set of attribute values;
• calculating, by the computer processor of the automated scoring analysis computer, a risk score for the selected potential association, representing a risk of loss for a property, based on all of:
• the trained predictive scoring model, social media data of the property, third-party data, location information, and information about the building, including a building limit per square foot;
• outputting, by the computer processor of the automated scoring analysis computer, an indication of the calculated risk score;
• receiving, by a computer processor of a back-end application computer server, the indication of the calculated risk score for the selected potential association;
• automatically selecting, by the computer processor of the back-end application computer server, a workflow path from a plurality of potential workflow paths based on the indication of the calculated risk score;
• executing, by the computer processor of the back-end application computer server, the selected workflow path by modifying a set of information requests including the automatic removal of information requests transmitted from the enterprise when the calculated risk score is below a pre-determined threshold value and the automatic completion of the potential association based on the calculated risk score and responses received in association with the modified set of information requests;
• transmitting, by the computer processor of the back-end application computer server, training information to the model training computer to adapt the trained predictive scoring model to changing conditions;
• and
• supporting an interactive user interface display in accordance with the selected workflow path via security features and a distributed communication network, wherein the selected workflow path reduces an overall number of electronic messages transmitted by omitting a subset of information request messages transmitted via the communication port when the calculated risk score is below the pre-determined threshold value,
• and further wherein the interactive user interface display includes all of:
• (1) an image of the property and building, (2) a linear graphical representation of the calculated risk score, and (3) an indication of the selected workflow path.