US Pat. No. 9,077,805

SYSTEM FOR COMMUNICATION ROUTING

Hartford Fire Insurance C...

1. A system including for routing communications to a selected platform, comprising:
a plurality of service representative platforms;
a relational database platform storing a communication routing matrix; and
a communications server, including:
a communication device to receive a communication associated with an insurance claim,
a processor coupled to the communication device and the relational database platform, and
a storage device in communication with said processor and storing instructions adapted to be executed by said processor to:
automatically determine an insured party and an associated identifier for with the received communication,
attempt to match information about the communication with at least one override flag to select one of the service representative
platforms,

if the information about the communication does not match the at least one override flag, access the routing matrix to attempt
to select one of the service representative platforms for the received communication based on information in the routing matrix
and the insured party,

if a service representative platform is not selected based on the routing matrix, select one of the service representative
platforms in accordance with a default routing rule, and

route the received communication to the selected service representative platform.

US Pat. No. 9,495,709

INSURANCE PROCESSING SYSTEMS AND METHODS USING MOBILE DEVICES FOR PROOF OF INSURANCE

HARTFORD FIRE INSURANCE C...

1. A computer system, comprising:
a server computer system, comprising:
a data storage device for storing data defining a plurality of insurance policies and a plurality of insurance coverage rules
associated with one or more of said insurance policies, at least one of said insurance policies associated with a mobile insurance
application operated by an insured, wherein a location-based insurance coverage rule associated with the insured defines a
geographical coverage area within which an activity by the insured is covered by said least one insurance policy and outside
of which the activity by the insured is not covered by said at least one insurance policy;

a computer processor for executing program instructions and for retrieving said data defining a plurality of insurance policies
from the data storage device;

a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to
receive, from a mobile device associated with said mobile insurance application, location data collected from at least a first
sensor of said mobile device, the at least first sensor automatically controlled to collect said location data by operation
of said mobile insurance application based on configuration data associated with said at least one of said insurance policies;

determine, based at least in part on said location data and the location-based insurance coverage rule, that the activity
associated with said insured is not covered by said at least one insurance policy because the insured is not within the geographical
coverage area;

transmit, to said mobile device, information indicating that the activity is not covered by said at least one insurance policy;
and

provide funds, associated with a claim, to a payment account for the insured;
wherein the insured is a worker and said at least one of said insurance policies is a commercial job site-based insurance
policy, and said program instructions for execution by the computer processor to transmit information indicating that work
performed by the worker is not covered by the commercial job site-based insurance policy because the worker's current location
is not within the geographical coverage area; and

a mobile device in communication with the server computer system, the mobile device comprising a memory and a processor, the
memory storing an application program, the application program causing the mobile device processor to: present a user interface
prompting for configuration data including at least one or more current work locations and work hours; after receiving the
configuration data, execute the configured application program in the background to control the at least first sensor of the
mobile device to collect data indicative of location of the mobile device away from the at least one or more current work
locations during the received work hours, and to transmit selectively the collected location data to the server computer system,
the mobile device further being configured to execute a payment application program to access the payment account, and the
mobile device comprising an RFID unit configured to provide contactless payment from the payment account;

wherein the processor is further configured to access the data indicative of whether the insured is spending time during working
hours at the new location, the processor being further configured to generate a coverage notice for presentation to the insured
via the application program on the mobile device.

US Pat. No. 9,483,554

SYSTEM AND METHOD FOR EVALUATING TEXT TO SUPPORT MULTIPLE INSURANCE APPLICATIONS

Hartford Fire Insurance C...

1. A system for evaluating text data to support multiple server based applications, comprising:
a communication device to receive text input data from multiple sources;
a processor coupled to the communication device; and
a computer storage device in communication with said processor and storing instructions adapted to be executed by said processor
to:

aggregate and map the received text input data to create composite text input data,
automatically detect a semantic event in the composite text input data triggered by a semantic rule and associated semantic
tag,

flag the detected semantic event as meeting a pre-determined condition,
update a text mining result database, responsive to the flag, by adding an entry to the database identifying the detected
semantic event and the triggering semantic rule, and

transmit an indication associated with the text mining result database for display to a plurality of insurance applications.

US Pat. No. 9,141,994

SYSTEMS AND METHODS FOR ACTIVITY EVALUATION

HARTFORD FIRE INSURANCE C...

1. An activity evaluation system for use in managing an insurance-related process, comprising:
at least one sensor configured to monitor an activity level of an individual, associated with and distinct from an insured
entity:

an activity evaluation module configured to:
collect activity level-related data from the at least one sensor for use in adjusting insurance-related parameters corresponding
to an insurance policy covering the insured entity, the activity level-related data being data indicative of horizontal body
position, vertical body position, body movement, and one or more of frequency of movement, duration of movement and movement
distance of the individual;

analyze the collected activity level-related data to determine an activity evaluation indicative of the activity level of
the individual; and

output the activity evaluation; and
a communications module configured to communicate at least one of the collected activity level-related data and the activity
evaluation to an insurance computer system operated by an insurance company providing the insurance policy to the insured
entity for use in adjusting insurance-related parameters associated with the insurance policy.

US Pat. No. 9,224,171

INSURANCE PROCESSING SYSTEMS AND METHODS USING MOBILE DEVICES FOR MEDICAL MONITORING

HARTFORD FIRE INSURANCE C...

1. A system for mobile device enabled insurance medical monitoring, comprising:
a data storage device for storing, updating and providing access to data defining a plurality of medical monitoring rules;
a computer processor for executing program instructions and for retrieving said medical monitoring rule data from the data
storage device;

a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to process
an insurance request message, said insurance request message including data identifying an insurance request associated with
a party;

determine that said insurance request involves a medical status of said party;
determine that a response to said insurance request includes at least a first response involving a medical monitoring option,
the medical monitoring option associated with at least one medical monitoring rule; and

generate, in response to said insurance request, information associated with said medical monitoring option for transmission
to a mobile device of said party, said information associated with said medical monitoring option causing a medical monitoring
application to be configured on said mobile device to control the collection of medical data pursuant to said at least one
medical monitoring rule; and

a mobile device coupled to a sensor, the medical monitoring application being configured on the device to control the collection
of medical data by the sensor pursuant to said at least one medical monitoring rule, the sensor being configured through the
medical monitoring application.

US Pat. No. 9,565,308

SYSTEM FOR COMMUNICATION ROUTING

Hartford Fire Insurance C...

1. A system to facilitate a routing of dynamic communications, comprising:
a relational database platform storing a communication routing matrix;
a communications server, including:
a processor coupled to the relational database platform, and
a storage device in communication with said processor and storing instructions adapted to be executed by said processor to:
enable a graphical user interface, wherein the graphical user interface is configured to:
graphically assign an incoming communication address to one of a plurality of tenant lines-of-business;
for each assigned incoming communication address, graphically define default route, override matrix, and priority information,
and

establish entries identifying business rules that define how the communication routing matrix will, in accordance with the
default route, override matrix, and priority information, dynamically route communications received via each assigned incoming
communication address to selected service representative devices associated with an appropriate tenant line-of-business.

US Pat. No. 9,330,073

SYSTEM AND METHOD FOR TRANSLATING INSURANCE-RELATED DATA

HARTFORD FIRE INSURANCE C...

1. A computer system, comprising:
a processor;
a memory storage device in communication with the processor;
the processor configured to:
receive an identification of an electronic file, stored on a remote storage device and accessible to a user system, the electronic
file being in any one of a plurality of formats and having data related to a request for an insurance transaction;

receive mapping data, the mapping data mapping data fields classifying data for requests for insurance transactions to data
identifiers in the electronic file;

access the electronic file;
map data elements using the received mapping data to a document in a predetermined format, the elements including at least
a name of a proposed insured and an address of a proposed insured, identified in the electronic file;

determine whether the mapped data elements constitute all required data for submission of a request for an insurance transaction;
and

if the mapped data elements do not constitute all required data, prompt for further data; otherwise provide an output signal
for communicating the document in the predetermined format to a remote device.

US Pat. No. 9,349,146

SYSTEMS AND METHODS TO INTELLIGENTLY DETERMINE INSURANCE INFORMATION BASED ON IDENTIFIED BUSINESSES

HARTFORD FIRE INSURANCE C...

1. A computer system for processing third party computer system data and geographic data, comprising:
a data storage device storing data associated with historic transaction data and loss data;
a communication device configured to receive data comprising at least business entity data, comprising geographic data, and
dynamically updated data from social networking sites and to output the received data;

an estimator device configured to receive data about the business entity from the communication device and to, responsive
to receipt of the information about the business entity automatically determine based on the received information about the
business entity an estimate of a number of employees associated with the business entity;

a data weighting device configured to: apply weighting factors to the received information including a first weighting factor
to received information from social networking sites indicative of at least a threshold number of social networking posts
being made from business locations associated with the business entity and a second weighting factor to received information
from social networking sites indicative of less than the threshold number of social networking posts being made from business
locations associated with the business entity, wherein the first weighting factor is higher than the second weighting factor;
and

a comparison engine configured to receive weighted data from the data weighting device and apply one or more predictive models,
trained on the historic transaction data and loss data, to the weighted received information and the estimated number of employees
to determine insurance information for the business entity

the communication device being further configured to output to a computer monitor the determined insurance information for
the potential business customer.

US Pat. No. 9,256,906

SYSTEMS AND METHODS FOR SENSOR-ENHANCED ACTIVITY EVALUATION

Hartford Fire Insurance C...

1. An activity evaluation system for use in managing an insurance-related process, comprising:
a communications module operated by the insurance company comprising at least one processor configured to receive sensor data
from at least one sensor configured to monitor activity of an individual associated with and distinct from an insured entity
and an activity evaluation for the individual;

a computer processor, operated by the insurance company and in communication with the communications module, configured to:
adjust a term of an insurance policy covering the insured entity based on the sensor data and the activity evaluation, wherein
the computer processor is configured to adjust the term so as to provide an adjustment favorable to the insured entity responsive
to the activity evaluation being indicative of desired activity by the individual; and

an output device configured to provide an insurance recommendation to one or both of the insured entity and a healthcare provider
that is based at least in part on the activity evaluation, wherein the insurance recommendation comprises one of a loss-control
recommendation, an exposure management recommendation, an insurance risk evaluation recommendation, an underwriting workflow
recommendation, and a claims management workflow recommendation.

US Pat. No. 9,367,308

SYSTEM AND METHOD FOR MONITORING SOFTWARE DEVELOPMENT AND PROGRAM FLOW

HARTFORD FIRE INSURANCE C...

1. A system for monitoring software project development, the system comprising:
a communication interface that receives, via one or more networks, information included in communications regarding the project
development;

a processor and memory that are integrated to:
identify from the information a plurality of user stories for completion during development;
estimate a priority of each of the plurality of user stories;
assign a value to each of the plurality of user stories, the assigned value representing an amount of effort needed to complete
the respective user story;

store each of the plurality of user stories, estimated priority and assigned value in the memory as a product backlog;
calibrate a difference in the assigned value of each of the plurality of user stories by comparing a centralized position
of each of the plurality of user stories and an associated sequential position and iteratively adjusting the sequential position
of each of the plurality of user stories based on the difference between the centralized position and the assigned value as
compared to a statistical value until the difference is below a threshold; and

update a product backlog of user stories with the user story's associated calibrated assigned value; and
a display device for displaying the status of the project development based on a plurality of user stories remaining in the
product backlog as compared to a plurality of user completed stories.

US Pat. No. 9,582,833

SYSTEMS AND METHODS FOR DETERMINATION OF INDIVIDUAL ACTIVITY

HARTFORD FIRE INSURANCE C...

1. An activity evaluation system, comprising:
an electronic evaluation module configured to:
collect, from at least a first sensor and a second sensor, wherein the second sensor is a non-wearable sensor, activity level-related
data, the activity level-related data being data indicative of horizontal body position and vertical body position, and data
indicative of one or more of body movement, body orientation, frequency of movement, duration of movement and movement distance
of an employee associated with but distinct from a workplace entity;

determine, based upon the activity-related data collected by the at least first sensor and the second sensor, horizontal body
position data and vertical body position data;

analyze the collected activity level-related data, the horizontal position data, and the vertical body position data to determine
an activity evaluation indicative of an activity safety level of the employee corresponding to activity of the employee conducted
at the workplace; and

output the activity evaluation; and
a communications module configured to communicate at least one of the collected activity level-related data and the activity
evaluation to a computer system operated by a second entity distinct from both the workplace entity and the employee, the
second entity computer system adjusting insurance-related parameters associated with a policy issued to the workplace entity
based on the at least one of the collective activity level-related data and the activity evaluation.

US Pat. No. 9,563,919

SAFETY EVALUATION AND FEEDBACK SYSTEM AND METHOD

Hartford Fire Insurance C...

1. A safety evaluation system comprising:
an application server configured to perform data presentation, data extraction and data conversion and having a certificate
authority to authenticate communications among devices using public key infrastructure;

a webserver in communication with the application server, the webserver configured to automatically retrieve safety data from
a remote computer at a worksite, the communications being authenticated using certificates issued by the certificate authority,
the safety data derived at least in part from a plurality of wireless sensors worn by employees of an insured entity, the
sensors comprising pressure sensors in footwear, to yield a two-dimensional weight map for each foot, and motion sensors,
wherein the sensors monitor actions performed by the employees and output data indicative of lifting behaviors of respective
employees, the data indicative of lifting behaviors comprising data indicative of body posture, measured weight distribution,
including between left foot and right foot and between toe and heel, and movement of the employees while lifting objects,
the safety data further comprising static data comprising data indicative of a weight of an object and encrypted medical record
data extracted from a worksite associated data storage device and stored in the remote computer;

a safety evaluation processor configured to evaluate the lifting behaviors of the respective employees based on the data output
by the sensors and the static data, and output a lifting safety indicator based on the evaluation; and

a business logic computer, in communication with the application server, configured to adjust terms of an insurance policy
covering the insured entity based at least in part on the lifting safety indicator output by the safety evaluation processor;

the lifting safety indicator being output to provide immediate feedback to the employee.

US Pat. No. 9,432,508

SYSTEM AND METHOD FOR INTERACTIVE VOICE RESPONSE UNIT TABLE-BASED PROGRAMMING

Hartford Fire Insurance C...

1. A computerized interactive voice response server having a modular format menu, comprising:
a computer store containing voice response and format menu data;
a computer server coupled to the computer store programmed to execute code to:
provide a router application stored in electronic device memory, the router application including a modular format menu having
pointers to stored audio files;

display an administrative summary of menu options and current pointers to a current set of stored audio files; and
change one or more of the pointers of the modular format menu to a different audio file;
whereby after executing the code that changes the one or more pointers, the modular format menu plays a different audio file
during a voice call.

US Pat. No. 9,524,593

SYSTEMS AND METHODS FOR VEHICLE DATA ACQUISITION USING TELEMATICS-ENABLED PORTABLE DEVICES

HARTFORD FIRE INSURANCE C...

1. A system for acquiring vehicle telematics data from a telematics-enabled portable communications device in communication
with a vehicle computer, comprising:
a communications interface configured to:
receive, from a portable personal communications device, telematics data, the portable personal communications device being
in communication with a vehicle computer of the vehicle and in at least one of a known orientation or a stable orientation
with respect to the vehicle, the telematics data being from at least one of a telematics sensor of the portable personal communications
device and the vehicle computer; and

receive data indicative of an orientation of the personal portable communications device with respect to the vehicle, the
data indicative of an orientation of the personal portable communications device with respect to the vehicle comprising data
indicative of at least one of a known orientation or a stable orientation with respect to the vehicle; and

a computer system in communication with the communications interface and configured to:
receive data indicative of the telematics data and the orientation data from the communications interface; and
adjust a vehicle insurance process based on the data indicative of the telematics data and the orientation data.

US Pat. No. 9,154,625

SYSTEM FOR COMMUNICATION ROUTING

Hartford Fire Insurance C...

1. A system to facilitate a routing of communications to selected service representative platforms, comprising:
a plurality of service representative platforms;
a relational database platform storing a communication routing matrix;
a communications server, including:
a processor coupled to the relational database platform, and
a storage device in communication with said processor and storing instructions adapted to be executed by said processor to:
enable a graphical user interface, wherein the graphical user interface is configured to:
define and manage flags associated with the communication routing matrix, wherein the graphical user interface includes a
flag manager data entry portion,

define and manage line-of-business data associated with the communication routing matrix, and
establish entries identifying business rules and algorithms that define how the communication routing matrix will route received
communications to selected service representative devices.

US Pat. No. 9,111,316

SYSTEM AND METHOD TO PROVIDE EVENT DATA ON A MAP DISPLAY

HARTFORD FIRE INSURANCE C...

1. A system for processing data for display of safety event data to a driver of a vehicle, the system comprising:
one or more data storage devices storing data indicative of processed telematics data, wherein said processed telematics data
is based on telematics data received from a sensor within the vehicle of the driver, the telematics data comprising geo-position
information of the vehicle and vehicle kinematics data;

one or more computer processors in communication with 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:

identify, based on the stored data indicative of processed telematics data, safety events for the driver of the vehicle involving
one or more of a speed, an orientation, an acceleration, and a deceleration of the vehicle, and, for each of the safety events
involving the vehicle, locations of the safety events;

receive data indicative of safety events associated with other drivers and locations of the safety events based on telematics
data received from sensors in vehicles of the other drivers, and

cause to be displayed on a map display to the driver at least one indication of one or more of the identified safety events
involving the driver, comprising safety events occurring on a plurality of trips during a time period of a plurality of days,
and indications of one or more safety events associated with the other drivers.

US Pat. No. 9,098,504

SYSTEM AND METHOD FOR CONVERTING DATA RELATING TO AN INSURANCE TRANSACTION

HARTFORD FIRE INSURANCE C...

1. A computer-implemented method for converting data relating to an insurance transaction from XML (Extensible Markup Language)
format to a second data format, the second data format being based on hierarchies, the method being executed by one or more
processors, comprising:
by a first computer system, retrieving data relating to an insurance transaction in XML format, the data including information
associated with an insurance policy;

by the first computer system, converting the retrieved insurance transaction data to an intermediate data format having tags
incorporating sequence data;

by the first computer system, converting the data in the intermediate data format to the second data format based on hierarchies,
employing the sequence data to format the data in the second data format based on hierarchies, the formatting of the data
in the second data format based on hierarchies being arranging of alphanumeric data elements independent of font, and

by the first computer system, providing said data in the second data format based on hierarchies for output to a computing
device.

US Pat. No. 10,140,662

INTERACTIVE GRAPHICAL INTERFACE SYSTEMS AND METHODS

HARTFORD FIRE INSURANCE C...

1. A computer system configured to generate an interactive graphical interface for display on a plurality of remote user devices, comprising:one or more data storage devices storing data indicative of a plurality of user goals, a first set of user goals being categorized as basic user goals and a second set of user goals being categorized as optional user goals, the second set of user goals being different from the first set of user goals;
a communication device configured to communicate with the plurality of remote user devices;
a planning computer platform coupled to one or more data storage devices and the communication device and configured to
render for display on one of the plurality of remote user devices, via the communication device, a first interactive graphical interface for receiving expense data, the first interactive graphical interface including a first screen area, a second screen area different from the first screen area, and a plurality of icons for user manipulation, each of the plurality of icons corresponding to one of the user goals;
receive from the remote user device, via the communication device, a graphical drag-and-drop indication that one or more of the plurality of icons has been moved to one of the first screen area and the second screen area, the icons moved to the first screen area corresponding to the first set of user goals being categorized as basic user goals, and the icons moved to the second screen area corresponding to the second set of user goals being categorized as optional user goals;
render for display on the remote user device, via the communication device, a second interactive graphic interface interface including income input fields for receiving income data indicative of predictable periodic income of the user;
calculate, based upon the first set of user goals and the income data indicative of the predictable periodic income of the user, a financial gap for the user;
render for display on the remote user device, via the communication device, a third interactive graphic interface including a pictoral depiction of the calculated financial gap, the third interactive graphic interface further including a source screen area and an income screen area different from the source screen area, the source screen area including a plurality of source icons for user manipulation;
receive from the remote user device, via the communication device, a graphical drag-and-drop indication that one or more of the source icons has been moved between the source screen area and the income screen area;
re-calculate the financial gap for the user based on the source icons moved to the income screen area, the first set of user goals, and the income data indicative of the predictable periodic income of the user; and
render for display on the interactive graphical interface of the remote user device, via the communication device, a revised pictoral depiction of the re-calculated financial gap.

US Pat. No. 9,280,793

SYSTEM AND METHOD FOR INSURANCE DATA PROCESSING USING REGISTRATION AND OPERATIONAL DATA OF IP-ADDRESSABLE DEVICES

HARTFORD FIRE INSURANCE C...

1. A computer system for improving property safety relating to IP-addressable devices located at a residential or commercial
property covered under an insurance policy, comprising:
one or more data storage devices storing a database configured to store inventory information about assets located at an insured
property;

one or more computer processors in communication with the one or more data storage devices;
a communications device configured to communicate with the one or more computer processors, the one or more data storage devices,
and networks of IP-addressable devices for receiving registration data and operational data associated with one or more IP-addressable
devices connected to each of the networks, the operational data associated with the one or more IP-addressable devices indicating
at least one of operational status, condition, and use of one of the assets located at the insured property; 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:

determine, for the insured property, the inventory information about the insured property's assets based on one or both of
the registration data and the operational data received from the one or more IP-addressable devices located at the insured
property,

store the insured property's inventory information in the database; and
making a safety-related determination based on one or both of the registration data and the operational data, the safety related
determination comprising a determination of a risk of overload of a resource shared by a plurality of the IP-addressable devices;

wherein the plurality of IP-addressable devices sharing the resource communicate with one another to self-adjust consumption
of the resource to prevent resource overload.

US Pat. No. 9,460,471

SYSTEM AND METHOD FOR AN AUTOMATED VALIDATION SYSTEM

Hartford Fire Insurance C...

1. An automated validation system for validating information used to determine insurance policy adjustments, comprising:
an application server of an insurance company configured to:
obtain from a database information about at least one current policyholder, at least one property of the at least one current
policyholder being covered under a property insurance policy offered by the insurance company, wherein a portion of the information
indicates that the at least one property of the at least one current policyholder is receiving remote monitoring services
from a service provider, wherein the at least one property is one of a home and its associated grounds, an apartment complex,
a condominium building and an office building, the remote monitoring services employing sensors for detecting one or more
of fire hazards, carbon monoxide levels, water leakage, break-ins and low temperatures;

validate on a repeated basis more frequently than a term of the property insurance policy and during the term of the property
insurance policy, by a trusted third party server employing a secure peer-to-peer communication protocol, that the at least
one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider,
the trusted third party not being either the insurance company or the service provider, said validating occurring more frequently
than the term of the property insurance policy, the trusted third party server further receiving policyholder data from the
insurance company and customer data from the service provider and said validating being based on the received policyholder
data and customer data without the trusted third party server providing policyholder data to the service provider, and wherein
the service provider does not provide customer data of the service provider to the application server, the trusted third party
server performing validating by comparing names of policyholders to names of customers of the service provider to identify
matching names, identifying policyholder names not matching a name of any customer, approximating the names of the policyholders
not matching a name of any customer to be within a predefined code distance apart from an original name of the current policyholder
and comparing the approximated name with names of customers of the service provider;

store in the database validation results received from the trusted third party server, and
a business logic computer in communication with the application server configured to determine an insurance policy adjustment
given to the at least one current policyholder, responsive to a determination based on the validation results and the portion
of the information indicating receipt of remote monitoring services that the at least one property of the at least one current
policyholder is either (i) not currently receiving remote monitoring services from the service provider or (ii) currently
receiving remote monitoring services from the service provider different from the remote monitoring services indicated in
the portion of the information indicating receipt of remote monitoring services, and responsive to a determination based on
the validation results and the portion of the information indicating receipt of remote monitoring services that the at least
one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider
as indicated in the portion of the information indicating receipt of remote monitoring services, configured to determine that
an insurance policy benefit provided to the policyholder remains unchanged.

US Pat. No. 9,317,824

VENDOR MANAGEMENT SYSTEM AND PROCESS

HARTFORD FIRE INSURANCE C...

1. A computer system for managing and distributing a plurality of files and data among a plurality of vendor computer systems
and a plurality of client computer systems, said system comprising:
a data storage device storing information associated with said plurality of files and said plurality of vendors;
a computing system, in communication with said data storage device, said plurality of vendor computer systems, and said plurality
of client computer systems, said computing system having a processor configured to transmit a set of files using a communication
module from one of said client computer systems to a selected one of said vendor computer systems for processing by said selected
vendor and to provide access to materials relevant to said transmitted files to both said one of said client computer systems
and said vendor computer systems; and

wherein the computing system is configured to (i) identify a plurality of acceptable vendors from said plurality of vendors,
(ii) determine, for each one of the plurality of files, a likelihood of a desired outcome resultant from file processing by
the identified acceptable vendors, employing a computerized predictive model, (iii) score said acceptable vendors to determine
which one of said acceptable vendors is best qualified to receive each of said plurality of files, and (iv) select the one
of the plurality of acceptable vendors determined to be best qualified for receiving each one of the plurality of files, the
determining based on the information associated with the files, the determined likelihood of the desired outcome, and the
information associated with the vendors; and

wherein said vendors are attorneys and debt collectors, and said determination of likelihood of the desired outcome by the
computerized predictive model is based on: data relating to at least one of the files and data relating to the vendors including:
expertise of the vendors in the same field as the at least one file, vendors' performance by work type, vendors' performance
on client files received by the vendors to date, prior success rate of the vendors, and time for successful completion by
the vendors;

wherein the computing system is further configured to, in a batch process, generate extract files containing file data, make
the extract files available to the vendor computer systems for download and to permit download of extract files accessible
in a report format, and purge the extract files after a predetermined period of time; and further, configured to determine,
by executing instructions in vendor-controlled computer code, automatic vendor acceptance or rejection of the files; and

wherein the computing system further comprises a non-transitory computer-readable medium having stored thereon processor-executable
instructions, which instructions include a generating module which, when executed by a processor, cause the processor to generate
at least one report describing which specific files should be transmitted to certain vendors best suited for processing of
said specific files using said scoring of said vendors.

US Pat. No. 9,311,676

SYSTEMS AND METHODS FOR ANALYZING SENSOR DATA

Hartford Fire Insurance C...

1. A sensor based analysis system, comprising:
a first communication device for receiving a request to insure a vehicle of an entity;
one or more vehicle telematics sensors, comprising one or more of speedometers, odometers, braking sensors, air bag deployment
sensors, location detectors, accelerometers, and steering monitors, collecting data while the vehicle is in operation;

a terminal comprising a remote communication device in communication with the one or more vehicle telematics sensors and storing
computer-readable instructions defining an automated webservice application configured to dynamically upload vehicle telematics
sensor data;

a second communication device for receiving vehicle telematics sensor data from the remote communication device, wherein the
sensor data includes at least one data parameter;

a memory storing a plurality of rating categories, wherein each of the plurality of rating categories is associated with a
classification rule and at least one of a plurality of underwriting and pricing algorithms, wherein the at least one of the
plurality of underwriting and pricing algorithms associated with one of the plurality of rating categories and the at least
one of the plurality of underwriting and pricing algorithms associated with another one of the plurality of rating categories
apply different sets of data parameters or sensor data parameter weights;

a computer processor configured to:
obtain a value for the characteristic of the vehicle based on information received via the first communication device, wherein
the characteristic of the vehicle comprises one of vehicle size, vehicle safety rating, vehicle engine size, vehicle color,
vehicle cargo capacity, and vehicle age;

determine a rating category from the stored plurality of rating categories for the coverage by applying, to the received vehicle
characteristic value, the classification rule for each of the plurality of respective rating categories;

obtain an underwriting and pricing algorithm, of the plurality of underwriting and pricing algorithms, corresponding to the
identified rating category for use in determining the price;

determine the price based at least in part by applying a set of sensor data parameter weights to the received vehicle telematics
sensor data according to the obtained underwriting and pricing algorithm;

an output device for outputting the determined price.

US Pat. No. 9,311,677

COMPUTER SYSTEM FOR INTERACTIONS WITH A USER DEVICE AND THIRD PARTY COMPUTERS

HARTFORD FIRE INSURANCE C...

1. A system for generating a calculator interface including displays for conducting comprehensive integrated calculations
including accessing third party computer systems for a plurality of data items, comprising:
a calculator interface server computer configured to:
provide, by a communications device via a data network to a user device, a total loss calculator graphical interface including
an enabled claim identification input field a validation button selectable to cause validation of the claim identification
input, a disabled state selection input field, and a disabled state guidelines viewer;

responsive to receipt, from the user device via the data network by the communications device, of the claim identification
input and selection of the validation button, validate the claim identification input for a claim corresponding to a vehicle
that has been totaled;

responsive to positive validation of the claim identification input, enable, by the communications device via the data network
to the user device, the state selection input field for the total loss calculator graphical interface and disable the claim
identification input field;

responsive to receipt of the state selection input:
enable, by the communications device via the data network to the user device, the state guidelines viewer for the total loss
calculator graphical interface, said state guidelines viewer corresponding to the state selection input and including selectable
state specific information for viewing; and

request, by the communications device via the data network from a state jurisdictional computer, state jurisdictional data
and state cost data for the totaled vehicle;

provide by the communications device via the data network to the user device, a calculate button on the total loss calculator
graphical interface, said calculate button being selectable to cause calculation of a total loss amount based on the state
jurisdictional data, the state cost data, and data entered by the user in the total loss calculator graphical interface;

responsive to receipt of selection of the calculate button, determine whether all required data to calculate the total loss
amount has been received;

responsive to a positive determination that all of the required data to calculate the total loss amount has been received:
calculate a net total amount for the totaled vehicle including a first net total amount in a case where an insuring entity
obtains the vehicle and a second net total amount in a case where an owner retains the vehicle, the first and second net total
amounts calculated based on application of a plurality of fee rules associated with the state jurisdictional data, the state
cost data, and said state selection input; and

provide by the communications device via the data network to the user device, a display on a first portion of the total loss
calculator graphical interface of the first net total amount corresponding to the case where the insuring entity obtains the
vehicle and a display on a second portion of the total loss calculator graphical interface of the second net total amount
corresponding to the case where the owner retains the vehicle.

US Pat. No. 9,134,999

SYSTEM AND METHOD FOR MONITORING SOFTWARE DEVELOPMENT AND PROGRAM FLOW

HARTFORD FIRE INSURANCE C...

1. A system for monitoring software development and project flow in the insurance industry using user stories, the system
comprising:
a communication interface that receives, via one or more networks, information included in communications among distributed
experts following a centralized process;

a processor and memory that are integrated to:
identify from a monitored communication a plurality of user stories for completion during software development;
estimate a priority of each of the plurality of user stories;
assign a value to each of the plurality of user stories, the assigned value represents an amount of effort needed to complete
a user story;

store each of the plurality of user stories and associated priority and value in the memory as a product backlog;
calibrate a difference in the assigned value of each of the plurality of user stories by comparing a centralized position
of each of the plurality of user stories and an associated Fibonacci position, and iteratively adjusting the Fibonacci position
of each of the plurality of user stories based on the difference between the centralized position and the assigned value as
compared to a median value until the difference is below a threshold; and

update a product backlog of user stories with the user story's associated calibrated assigned value; and
a display device for displaying the status of the software development and project flow based on a plurality of user stories
remaining in the product backlog as compared to a plurality of user completed stories.

US Pat. No. 9,378,527

COMPUTER SYSTEM FOR APPLYING PREDICTIVE MODEL TO DETERMINE AND INDETERMINATE DATA

HARTFORD FIRE INSURANCE C...

1. A computer system comprising:
a data storage module configured to receive, store, and provide access to indeterminate data and determinate data corresponding
to historical claim transactions and to current claim transactions, and data indicative of categories of claims that are highly
unlikely to be questionable;

a computer processor configured to:
receive determinate data corresponding to the historical claim transactions and the current claim transactions;
receive raw indeterminate data corresponding to the historical claim transactions and the current claim transactions;
extract, from the raw indeterminate data by an indeterminate data capture module, indeterminate data comprising at least one
of claim handler notes, claim handler audio files, witness notes, witness audio files, claimant notes, and claimant audio
files, the indeterminate data capture module including a natural language processing application to mine opinions from narrative
text notes and a speech recognition application to analyze audio files to detect a speaker's state of mind;

train, by a model training component, a predictive model component based on the determinate data and the extracted indeterminate
data related to the historical claim transactions, thereby providing a trained predictive model component;

adapt the predictive model component to changing patterns of questionable claim transactions by periodically updating the
predictive model component based on new determinate data and new extracted indeterminate data;

compare, by a screening module, a current claim transaction to the data indicative of categories of claims that are highly
unlikely to be questionable and categorize, based on the comparing, each of said current claim transactions as one of a current
claim suitable for predictive analysis when the current claim transaction does not correspond to the categories of claims
that are highly unlikely to be questionable and a current claim not suitable for predictive analysis when the current claim
transaction corresponds to at least one of the categories of claims that are highly unlikely to be questionable;

determine, by the predictive model component coupled to the data storage module and based on the indeterminate data and the
determinate data, whether to identify a one of said current claim transactions categorized as suitable for predictive analysis
for referral to an investigation unit;

an output device, coupled to the computer processor, configured to output an indication of whether said one of said current
claim transactions should be referred to the investigation unit, said output generated in response to application of data
for said one of said current claim transactions to the trained predictive model component and said screening module; and

a routing module configured to direct workflow corresponding to said one of said current claim transactions based on the output
from the output device, to one of an investigative analyst computer and a field investigator computer.

US Pat. No. 9,367,877

SYSTEM FOR ELECTRONIC ADMINISTRATION OF EMPLOYEE SKILL CERTIFICATION BADGE PROGRAM

HARTFORD FIRE INSURANCE C...

1. A system for a dynamic, electronic certification platform associated with an insurance enterprise having a plurality of
employees, the system comprising:
a communication device to receive, from a remote device, an employee skill certification badge request associated with: (i)
a first employee, and (ii) a first employee skill category of a plurality of potential employee skill categories; and

a processor in communication with the communication device, wherein the processor is configured to:
store information associated with the received employee skill certification badge request,
gather and store data in an electronic evidence file associated with the first employee's interactions with customers during
normal performance of his or her employment,

automatically determine a first manager associated with the first employee,
receive from the first manager an indication that an electronic evidence file meets a threshold criteria of the first employee
skill category,

responsive to the received indication, associate the first employee with the first employee skill certification badge, and
transmit data to cause display of an icon associated with the first employee skill certification badge on other remote devices.

US Pat. No. 9,269,109

SYSTEM AND METHOD FOR ADMINISTERING TELEMATICS BASED REINSURANCE POOLS

HARTFORD FIRE INSURANCE C...

1. An automated data processing system for processing telematics data, comprising:
a communication device configured for receiving data indicative of monitoring by a third party of telematics sensors, the
telematics sensors generating data indicative of one or more of vehicle speed, vehicle location, vehicle deceleration, environmental
conditions, engine use time, or vehicles ahead of a vehicle carrying a sensor;

a processor coupled to the communication device;
a storage device in communication with said processor, the storage device storing instructions adapted to be executed by said
processor for:

determining a percentage share to assign relative risk in a telematics based insurance pool between an insurer and a third
party, wherein the percentage share is determined based on a percentage of the telematics sensors monitored by the third party,
at least some of the telematics sensors being configured with a user feedback device to provide feedback to a user;

allocating the insurance pool among the insurer and the third party according to the determined telematics data based percentage
share;

aggregating, by the insurer, telematics related loss information related to the telematics sensors;
transmitting, via said communication device, the telematics related loss information to the third party;
allocating a claim liability or a received premium associated with the insurance pool among the insurer and the third party
according to the determined telematics data based percentage share; and

a memory for storing the determined percentage share assigned to the insurer and the third party;
wherein a computer system of the third party receives the telematics related loss information, generates a recommendation
for transmission to a policy holder based at least in part on analysis of the received telematics related loss information
and transmits the generated recommendation to the policy holder.

US Pat. No. 9,558,520

SYSTEM AND METHOD FOR GEOCODED INSURANCE PROCESSING USING MOBILE DEVICES

HARTFORD FIRE INSURANCE C...

1. A computer system for facilitating of vehicle routing with reduced risk, comprising:
a data storage device for storing, updating and providing access to vehicle loss risk score data;
a computer processor for executing program instructions and for retrieving the vehicle loss risk score data from the data
storage device;

a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor;
a geocoding engine comprising program instructions stored in the memory for geocoding historical loss data, current vehicle
loss data, and a plurality of vehicle loss risk factors;

a scoring engine comprising program instructions stored in the memory for calculating a vehicle loss risk score for each of
a plurality of geographical locations based on said historical loss data, said current loss data, and said plurality of vehicle
loss risk factors, including computing a result of an algorithm including as factors an average claim severity, an average
claim frequency, a population density, and day of week risk factor, wherein said vehicle loss risk score for each of said
plurality of geographical locations is stored in said data storage device;

a communication device, coupled to the computer processor, to (i) receive actual trip route data automatically generated and
transmitted by a plurality of mobile devices, the trip route data generated by GPS receivers and accelerometers, associated
with a driver, the actual trip route data including a set of geographical locations through which the mobile device traveled
over a period of time; (ii) receive the current loss data comprising new vehicle loss claim data and accident event data;
and (iii) output vehicle loss risk score data,

one or more application programming interfaces configured to expose some or all of the scoring data to an external mapping
service to facilitate route selection based on mapping data from the external mapping service,

the received actual trip route data and the loss risk scores associated with said set of geographical locations; and
a display device to display routing options for selection based on the vehicle loss risk scores.

US Pat. No. 9,344,568

SYSTEM FOR COMMUNICATION ROUTING

HARTFORD FIRE INSURANCE C...

1. A system to facilitate a routing of dynamic communications, comprising:
a plurality of service representative platforms;
a relational database platform storing a communication routing matrix;
a communications server, including:
a processor coupled to the relational database platform, and
a storage device in communication with said processor and storing instructions adapted to be executed by said processor to:
enable a graphical user interface, wherein the graphical user interface is configured to:
define and manage the communication routing matrix,
define and manage line-of-business data associated with the communication routing matrix, and
establish entries identifying business rules and algorithms that define how the communication routing matrix will dynamically
route received communications to selected service representative devices.

US Pat. No. 9,219,738

SYSTEM FOR PROVIDING DYNAMIC PORTAL TRANSACTION AUTHENTICATION AND AUTHORIZATION

HARTFORD FIRE INSURANCE C...

1. A system for managing electronic access from a device to a plurality of computerized information platforms, the system
comprising:
one or more computer processors;
a network interface device configured to:
receive a user identity provided by a device remote to the system, and
receive an access request from the remote device to access a selected computerized insurance service from the plurality of
computerized insurance services, wherein at least two of the plurality of computerized insurance services are implemented
on different information platforms;

a memory storing computer executable instructions which, when executed by the processor, cause the system to:
determine a plurality of access rights for the user based, at least in part, on the user identity and an insurance-related
role associated with the user identity in relation to the selected computerized insurance service, and

allow the user to access the selected computerized insurance service according to the access request only if the access requested
is included in the determined plurality of access rights.

US Pat. No. 9,684,933

COMPUTER SYSTEM FOR INTERACTION WITH USER DEVICES PRESENTING A KEYBOARDLESS DATA ENTRY INTERFACE AND THIRD PARTY DATA SYSTEMS

HARTFORD FIRE INSURANCE C...

1. A computer system for interacting with user devices having a data entry interface not requiring keyboard-type information
entry and processing data from the data entry interface and at least one other data source:
one or more data storage devices for storing data indicative of inputs received from the user device;
one or more computer processors in communication with the one or more data storage devices;
a communication interface device in communication with the one or more computer processors and the one or more data storage
devices;

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:

transmit an input display of a data entry interface to a user device, the data entry interface including user selectable inputs
that do not require keyboard-type information entry and include a plurality of option selections, each respective option selection
representative of insurance quotation specific information pertaining to the user;

receive from the user device data indicative of data input in the data entry interface via the user selectable inputs that
do not require keyboard-type information entry;

in response to detecting at least a user selection, via the user selectable inputs that do not require keyboard-type information
entry, representative of a request for a quote for insurance, initiate a request to a user device for user identifying information
and a request to a third party computer system for information relating to the user;

receive, in response to the requests, user identifying information from the user device and data indicative of the information
relating to the user from the third party computer system;

determine an insurance quotation, the determination based entirely on (i) the information conveyed by the option selections
without requiring keyboard-type information entry on behalf of the user, (ii) the user identifying information, and (iii)
the data indicative of the information relating to the user received from the third party computer; and

output the insurance quotation to the user device for display.

US Pat. No. 9,501,799

SYSTEM AND METHOD FOR DETERMINATION OF INSURANCE CLASSIFICATION OF ENTITIES

Hartford Fire Insurance C...

1. A system comprising:
a web server configured to:
obtain a web site address for an electronic resource corresponding to an entity seeking insurance coverage;
responsive to obtaining the web site address, scraping, by a communications device from a server hosting the electronic resource
corresponding to the web site address for the entity, content data corresponding to the entity;

a content processor coupled to the web server and configured to:
responsive to scraping the content data, tokenize the content data to identify the presence of terms having significance in
industrial classification;

responsive to tokenization of the content data, generate based on the tokenized content data, token count data corresponding
to the number of occurrences of each of the terms having significance in industrial classification; and

responsive to generation of the token count data, store the token count data in one or more data storage devices in communication
with the one or more computer processors; and

a predictive model processor coupled to the web server and content processor and configured to:
responsive to the generation and storage of the token count data, apply the token count data to a trained predictive model
trained to generate, based on the token count data, an industrial classification for an entity and a likelihood of the industrial
classification being associated with the entity; and

responsive to application of the trained computerized predictive model to the token count data, output first data indicative
of the at least one industrial classification and second data indicative of the likelihood of the industrial classification
being associated with the entity;

wherein the web server is further configured to provide, by the communications device to a display device responsive to the
output of the first data and the second data, a display including the first data indicative of at least one industrial classification
and the second data indicative of a likelihood of the industrial classification being associated with the entity.

US Pat. No. 9,836,794

COMPUTER SYSTEM AND METHOD FOR DETECTING QUESTIONABLE SERVICE PROVIDERS

HARTFORD FIRE INSURANCE C...

1. A computer system comprising:
a historical claim and payment database corresponding to claims by service providers requesting payment from an insurance
company;

a watch list database configured to aggregate warning data corresponding to service providers;
a case management data feed including suspect provider data corresponding to service providers under investigation for billing
issues;

a vendor taxpayer identification number (TIN) address database configured to receive, store, and provide access to service
provider address data and service provider TIN data;

a provider periodic billing database configured to receive, store, and provide access to periodic total billing data for the
service providers;

a bill analysis platform configured to:
generate, on a daily basis, a daily provider bill database based on the warning data, the suspect provider data, and daily
bill data corresponding to daily bills received at a rate of hundreds of thousands of submissions per year for thousands of
service providers by a communications device from service provider computer systems corresponding to a first set of service
providers;

analyze the historical claim and payment database of claims and payment and the provider periodic billing database to (i)
identify service provider TINs and generate a geographic lookup database for service provider TINs within a geographical location,
(ii) rank the service provider TINs by total aggregate payments made to each service provider; and (iii) rank the service
provider TINs by a total billed by each service provider;

responsive to the analysis of the historical claim and payment database of claims and payment and the provider periodic billing
database, generate a daily matrix database;

generate, based upon the daily matrix database, a provider matrix pivot table for identifying organized groups of service
providers submitting questionable bills, said provider matrix pivot table dynamically configurable to identify all service
provider TINs used by a single service provider, identify all service provider TINs relating to a single claim, and identify
all service provider TINs within a geographical location via the geographic lookup database, said provider matrix pivot table
displaying color-coded graphic elements for generating a heat map corresponding to at least a watch list column and a date
of most recent bill column, and said provider matrix pivot table further displaying selected data to identify the organized
groups of service providers including (i) a service provider identifier column, (ii) a TIN rank column indicating a rank of
the service provider by aggregate payments made to the service provider, (iii) the watch list column indicating whether the
service provider is on the watch list, (iv) a claim count column indicating a number of claims corresponding to the service
provider, and (v) the date of most recent bill column indicating a date of a most recent bill corresponding to the service
provider;

an input device, coupled to the bill analysis platform, for inputting information to identify, from the provider matrix pivot
table, a first service provider for analysis, the first service provider associated with a plurality of insurance claims;
and

a display device, coupled to the computer processor, for displaying results of said analyzing of the first service provider,
said displayed results including (i) data corresponding to the first service provider; and (ii) other provider data corresponding
to other service providers who are also associated with at least one of the plurality of insurance claims corresponding to
the first service provider, the displayed other provider data including, for each of the other service providers: (a) service
provider identifying data; and (b) a taxpayer identification number (TIN).

US Pat. No. 9,171,332

EQUITY/INTEREST RATE HYBRID RISK MITIGATION SYSTEM AND METHOD

HARTFORD FIRE INSURANCE C...

27. A computerized method for identifying and mitigating risks associated with benefits corresponding to an insurance instrument
comprising:
identifying, by a central processing computer of a risk mitigation system in at least one data storage device of the risk
mitigation system, data indicative of at least one insurance instrument having benefits;

receiving, by a communication device of the risk mitigation system, capital markets data;
calculating, by the at least one central processing computer, at least one risk statistic based on characteristics of the
data indicative of the at least one insurance instrument;

storing the at least one risk statistic in the at least one data storage device;
providing, by the at least one central processing computer, the data indicative of the at least one insurance instrument having
benefits and the capital markets data to a risk mitigation engine;

calculating, by the risk mitigation engine, a base valuation estimate corresponding to the at least one risk statistic associated
with said issuance of said insurance instrument and an estimate of sensitivities of the base valuation estimate to the capital
markets data;

comparing the base valuation estimate to an existing risk mitigation portfolio corresponding to the at least one insurance
instrument having benefits;

determining, based on the comparison, whether exposure values corresponding to the existing risk mitigation portfolio are
within a desired range of the estimate of the sensitivities of the base valuation estimate;

responsive to a determination that the exposure values corresponding to the existing risk mitigation portfolio are not within
the desired range of the estimate of the sensitivities of the base valuation estimate:

formulating, by the risk mitigation engine, based on the base valuation estimate and the estimate of the sensitivities of
the base valuation estimate, by said risk mitigation system, data specifying an updated risk mitigation portfolio for directly
mitigating the risks associated with the at least one insurance instrument, wherein the updated risk mitigation portfolio
includes the instrument that is at least in part based on the at least one hybrid derivative, and wherein the hybrid derivative
exhibits a payoff formula that is a function of two or more asset classes, the hybrid derivative selected to embed equity
and interest rate exposure simultaneously;

transmitting, by the communication device, instructions which cause trades to be executed on behalf of the insurance provider
based on the data specifying the updated risk mitigation portfolio that position the sensitivities of a valuation estimate
of the risk mitigation portfolio within the desired range of the estimate of the sensitivities of the base valuation estimate;
and

determining whether exposure values corresponding to the existing risk mitigation portfolio are within a desired range of
the estimate of the sensitivities of the base valuation estimate by continuously reviewing net exposures corresponding to
updated capital markets data; and

responsive to a determination that the exposure values corresponding to the existing risk mitigation portfolio are not within
the desired range of the estimate of the sensitivities of the base valuation estimate, generating an updated risk mitigation
portfolio by repeating the formulating and issuing steps; and

responsive to a determination that the exposure values corresponding to the existing risk mitigation portfolio are within
the desired range of the estimate of the sensitivities of the base valuation estimate, determining whether exposure values
corresponding to the existing risk mitigation portfolio are within the desired range of the estimate of the sensitivities
of the base valuation estimate by continuously reviewing net exposures corresponding to updated capital markets data, and
responsive to a determination that the exposure values corresponding to the existing risk mitigation portfolio are not within
the desired range of the estimate of the sensitivities of the base valuation estimate, generating an updated risk mitigation
portfolio by repeating the formulating and issuing steps.

US Pat. No. 10,032,385

SYSTEM FOR OPTIMIZING EMPLOYEE LEADERSHIP TRAINING PROGRAM ENROLLMENT SELECTION

HARTFORD FIRE INSURANCE C...

1. A system comprising:a human resources department data storage device storing a human resources department employee database, the employee database storing information about a plurality of employees, including, for each employee, length of employment data, job title data, job description data, customer surveys, performance reviews, supervisor surveys, supervised employee surveys, a current leadership value corresponding to one of a plurality of defined leadership levels, and a business unit association;
a training department data storage device storing a training events database, the training events database storing data about a plurality of training events including, for each training event, a total number of available spots for the training event, goals data corresponding to a functional goal of the training event, and rules data corresponding to employee selection rules for the training event including at least one rule defining the current leadership value required for selection to participate in the training event;
a training program server coupled to the human resources department employee database and the training department training events database and interposed between at least one supervisor device and a plurality of employee devices, said training program server including program instructions operative to cause the training program server to:
determine, by a business group rules engine, information about an employee leadership training event, including a first number of slots associated with a first business unit and a second number of slots associated with a second business unit, wherein a sum of the first number of slots and the second number of slots does not exceed the total number of available slots for the employee leadership training event,
automatically select, by a first individual rules engine corresponding to the first business unit and a second individual rules engine corresponding to the second business unit, based on the information about the employee leadership training event, information in the employee database including the length of employment data, the job title data, the job description data, the customer surveys, the performance reviews, the supervisor surveys, the supervised employee surveys, current leadership values and business unit associations, and application of the goals data and rules data corresponding to the employee selection rules for the training event, a first subset of the employees in the first business unit to participate in the employee leadership training event and a second subset of employees in the second business unit to participate in the training event,
responsive to selection of the first subset of the employees, automatically select, based on application of business logic, a third subset of employees from the first subset of the employees to determine: (i) a first group from the third subset of employees to automatically receive electronic invitations to participate in a second employee leadership training event, and (ii) a second group from the third subset of employees to be automatically enrolled in the second employee leadership training event;
output to the at least one supervisor device a training event recommendation display which includes (i) a name of the employee leadership training event, (ii) a number of slots available for the training event, (iii) a first list of the automatically selected first subset of employees, and, (iv) a second list of recommended employees for the training event; and
automatically transmit, via an employee portal, an electronic invitation to the employee leadership training event to each of the automatically selected first subset of employees, and an electronic invitation to the second employee leadership training event to each of the automatically selected first group of employees from the third subset of employees;
wherein said automatic selection of said first subset of employees and said second subset of employees is based at least in part on a predictive leadership model trained with historical leadership training transaction data;
wherein the predictive leadership model is configured to output leadership training program parameters including employee identifiers; and
wherein the system is further configured to direct workflow based upon the leadership training program parameters.

US Pat. No. 9,830,663

SYSTEM AND METHOD FOR DETERMINATION OF INSURANCE CLASSIFICATION AND UNDERWRITING DETERMINATION FOR ENTITIES

Hartford Fire Insurance C...

1. A computerized system for making an insurance evaluation comprising:
one or more data storage devices storing data relating to an entity seeking insurance coverage and alert terms indicative
of insurance risk;

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 device;
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 search data relating to the entity seeking insurance coverage;
query an interface of a third-party platform based on the search 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;

output, based on the third-party platform interface data and the third-party platform web site data, first data indicative
of at least one industrial classification associated with the entity;

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

responsive to a determination that the third-party platform interface data and the third-party platform web site data contain
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 at least to the output of the first data, determine an insurance workflow.

US Pat. No. 9,231,896

COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR SERVICE AND APPLICATION LOAD TESTING

HARTFORD FIRE INSURANCE C...

6. A computer-implemented method for use in connection with load testing of computer systems, comprising:
generating, by a processor of a computer system, for display on a display device, data indicative of a user interface, the
user interface including fields for input of an Extensible Markup Language (XML) message, a file for attachment to the XML
message, an action compliant with a protocol, and an address of a service to be tested;

receiving, by the processor, via the user interface, an XML message, a path of a file, an action, and an address of a service
to be tested; and

generating, by the processor, a message package, compliant with the protocol, incorporating the XML message, the file, the
address and the action; and

providing, by the processor, the message package to the service and receiving a response, for monitoring by the processor
executing a virtual user generator program, the processor being configured to execute the virtual user generator program to
generate a script for load testing based on the monitoring;

wherein the receipt of the XML message, the path of the file and the address of the service to be tested via the user interface
is sufficient for the generation of the message package.

US Pat. No. 9,218,592

COMPUTER SYSTEM AND METHOD FOR PROCESSING DATA RELATING TO NURSE INTERVENTION PROGRAM DECISIONS

HARTFORD FIRE INSURANCE C...

1. A computer system for data processing including a system for executing a trained predictive model to determine a nurse
intervention program score for insurance claims based on at least injury, occupation and two or more items of co-morbidity
data, determining a nurse intervention program score and determine a positive or negative nurse intervention program decision
based on the score, comprising:
a nurse intervention program referral determination computer system, comprising:
a data storage device storing data indicative of a trained predictive model, trained on historical claim transaction data,
configured to determine, based on insurance claim transaction data, a nurse intervention program score, the score indicative
of a likelihood of suitability for nurse intervention programs providing health care provided by a nurse to an injured individual,
of insurance claim transactions;

one or more computer processors in communication with the data storage device; and
a program memory, coupled to the one or more computer processors, storing program instruction steps for execution by the one
or more computer processors, the program instructions, when executed by the one or more computer processors, causing the one
or more computer processors to:

receive data indicative of a plurality of insurance claim transactions, the data comprising at least injury data, employee
occupation data, and co-morbidity data;

apply the predictive model to the received data indicative of a plurality of insurance claim transactions to determine a nurse
intervention program score, the predictive model being responsive to values of each of injury, occupation, and co-morbidity
data, the co-morbidity data comprising at least two of (i) alcohol related co-morbidity information, (ii) drug related co-morbidity
information, (iii) tobacco related co-morbidity information, (iv) arthritis related co-morbidity information, (v) diabetes
related co-morbidity information, or (vi) obesity related co-morbidity information; and

based on the nurse intervention program score, determine a positive or negative nurse intervention program recommendation
for each of the plurality of insurance claim transactions insurance claim transactions to which the predictive model has been
applied, including a positive nurse intervention program recommendation for at least one of the plurality of insurance claim
transactions;

responsive to a positive nurse intervention program recommendation, output data relating to the received insurance claim transaction;
and

a nurse intervention program computer in communication with the nurse intervention program referral determination computer
system and configured to receive the data relating to the received insurance claim transaction output responsive to the positive
nurse intervention program recommendation.

US Pat. No. 9,973,570

SYSTEM FOR PROVIDING AN ISOLATED TESTING MODEL FOR DISASTER RECOVERY CAPABILITES

Hartford Fire Insurance C...

1. A system for providing an isolated testing configuration for disaster recovery capabilities, comprising:a primary network comprising a first data server and a first service server that provide one or more users access to critical data and critical services;
a streamlined backup network comprising a second data server and a second service server that also provide the one or more users access to the critical data and the critical services; and
an isolation appliance connecting the primary network and the streamlined backup network;
wherein the system is switched between
a production mode wherein the primary network and the streamlined backup network form a live production environment wherein the streamlined backup network provides the one or more users backup access to the critical data and the critical services in the event the primary network is unable to provide access to the critical data and the critical services, and
a test mode wherein the streamlined backup network is removed from the live production environment by isolating the streamlined backup network from the primary network such that backup access to the critical data and the critical services on the streamlined backup network is tested without inhibiting the operation of the primary network;
wherein the second data server and the second service server of the streamlined backup network are grouped into one or more blocks, each of the one or more blocks including an external network connection physically connected to the isolation appliance whereby the one or more blocks of the streamlined backup network are connected to the live production environment;
wherein the isolation appliance comprises one or more switches with one or more ports;
wherein the external network connections of the one or more blocks of the streamlined backup network physically connect to the one or more ports of the one or more switches of the isolation appliance;
wherein the isolation appliance physically disconnects the external network connection of each block to the one or more ports of the one or more switches of the isolation appliance to physically isolate the streamlined backup network from the primary network when the streamlined backup network is in the test mode;
wherein, when the system is in the test mode, the isolation appliance prohibits the second data server and the second service server from communicating with the primary network by physically disconnecting the external network connection of each block to the isolation appliance; and
wherein the second data server and the second service server have the same configuration in the test mode and in the production mode.

US Pat. No. 9,070,168

SYSTEMS AND METHODS FOR ADJUSTING INSURANCE PROCESSES USING DATA FROM TELEMATICS-ENABLED PORTABLE DEVICES

HARTFORD FIRE INSURANCE C...

1. A computer system for receiving and processing telematics data and orientation data from a telematics-enabled portable
communications device having an orientation fixed with respect to a vehicle and in communication with a vehicle computer and
for adjusting processes based on the received telematics and orientation data, comprising:
a communications interface configured to:
receive, from a portable personal communications device, telematics data, the device having an orientation fixed with respect
to a vehicle and being in communication with a vehicle computer of the vehicle, the telematics data being from at least one
of a telematics sensor of the portable personal communications device and the vehicle computer; and

receive orientation data from the personal portable communications device; and
an insurance computer system in communication with the communications interface and configured to:
receive data indicative of the telematics data and the orientation data from the communications interface; and
adjust a vehicle insurance process based on the data indicative of the telematics data and the orientation data.

US Pat. No. 9,563,918

SYSTEMS AND METHODS FOR DISPLAY AND INTERACTION ON A GRAPHICAL USER INTERFACE

HARTFORD FIRE INSURANCE C...

1. A computer system configured to generate data to provide an interactive graphical interface for display on a remote user
device, comprising:
one or more data storage devices storing data indicative of a plurality of user goals, a first set of the user goals being
categorized as basic user goals and a second set of the plurality of user goals being categorized as optional user goals,
the second set of user goals being different from the first set of user goals;

one or more computer processors configured to execute program instructions and to communicate with said one or more data storage
devices to access and store data; and

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

generate data indicative of an interactive graphical interface for display on a remote user device, the interactive graphical
interface including a first screen area, a second screen area different from the first screen area, and a plurality of icons
for user manipulation, each of the icons corresponding to one of the user goals, each of the icons corresponding to one of
the user goals of the first set being displayed within the first screen area, and each of the icons corresponding to one of
the user goals of the second set being displayed within the second screen area;

determine predictable periodic retirement income of the user;
calculate a financial gap for the user based on a difference between expenses associated with the first set of user goals
and the predictable periodic retirement income;

render for display on the interactive graphical interface of the remote user device data indicative of the calculated financial
gap,

receive from the remote user device a graphical drag-and-drop indication that a selected one of the icons has been moved between
the first screen area and the second screen area;

re-categorize a user goal corresponding to the selected icon based on the received indication;
re-calculate the financial gap for the user based on a difference between the periodic expenses associated with the first
set of user goals after re-categorizing the user goal corresponding to the selected icon and the predictable periodic retirement
income; and

render for display on the interactive graphical interface of the remote user device data indicative of the re-calculated financial
gap.

US Pat. No. 9,774,735

SYSTEM FOR COMMUNICATION ROUTING

Hartford Fire Insurance C...

1. A system to facilitate a routing of communications, comprising:
a relational database platform storing a communication routing matrix;
a communications platform, including:
a processor coupled to the relational database platform, and
a storage workstation in communication with said processor and storing instructions adapted to be executed by said processor
to:

enable a graphical user interface, wherein the graphical user interface is configured to:
assign an incoming communication address to one of a plurality of tenant lines-of-business;
for each assigned incoming communication address, define default route, override matrix, and placement information, and
establish entries identifying business logic that define how the communication routing matrix will, in accordance with the
default route, override matrix, and placement information, dynamically route communications received via each assigned incoming
communication address to selected workstations associated with an appropriate tenant line-of-business.

US Pat. No. 9,418,382

SYSTEM AND METHOD FOR COMPUTING TRIP SCORE USING GEO-SPATIAL INFORMATION

HARTFORD FIRE INSURANCE C...

1. A system for converting geo-spatial information into insurance determinations based on vehicle trip data including a comparison
of paths taken on a plurality of trips, the system comprising:
a data collection device installed in a vehicle and configured to be automatically activated responsive to the vehicle being
turned on, the data collection device being communicatively coupled to a vehicle computer of the vehicle via an on-board diagnostics
port of the vehicle, the data collection device comprising:

a global navigation satellite system receiver, configured to determine, continuously and automatically, while the vehicle
is in operation during the plurality of trips, geo-position information of the vehicle; and

a data collection device processor, configured to periodically pull geo-position data from the global navigation satellite
system receiver;

the data collection device being configured to automatically transmit telematics data, the telematics data including the geo-position
data; and

one or more data storage devices storing data indicative of the telematics data transmitted from the data collection device;
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:

retrieve information related to an automobile insurance policy;
retrieve at least a portion of the stored data indicative of the telematics data from the computer memory, the retrieved data
including locations defined by particular latitudes and longitudes;

determine for each of the locations a rounded location by applying a rounding operation on the particular latitudes and longitudes;
compute a trips score based on a comparison of paths taken on the plurality of trips, the comparison based at least in part
on similarity of location data points along the paths, determined from the rounded location determined from the particular
latitudes and longitudes from the retrieved telematics data, the comparison based on at least one of: (i) a sequence alignment
technique, (ii) a Smith-Waterman algorithm technique, and (iii) a Needleman-Wunsch algorithm technique;

store the computed trips score;
perform an insurance calculation for the automobile insurance policy based on the retrieved information related to the policy
and the trips score; and

output an insurance determination for the automobile insurance policy based on the insurance calculation.

US Pat. No. 9,984,421

SYSTEM FOR CLAIM DATA SEGMENTATION

HARTFORD FIRE INSURANCE C...

1. A system, comprising:a communication device to receive data indicative of a plurality of claims submitted in connection with policies providing at least a first type of coverage and a second type of coverage;
a computer storage unit for receiving, storing, and providing the data indicative of the plurality of claims;
a claim intake computer system configured for receiving claim data corresponding to a plurality of claims of the first type of coverage and the second type of coverage; and
a claims processing computer system coupled to the computer storage unit and the claim intake computer system, the claims processing computer system including:
a configurable segment ranking table for configuring first segmentation logic and second segmentation logic;
a segmentation platform processor in communication with the storage unit, wherein the segmentation platform processor is configured for:
automatically determining, for each claim of the plurality of claims, whether the claim is associated with the first type of coverage or whether the claim is associated with the second type of coverage different from the first type of coverage,
analyzing, for each of the claims associated with the first type of coverage, the received data associated with the claim, in accordance with first segmentation logic, to determine a first segment classification appropriate for the claim,
analyzing, for each of the claims associated with the second type of coverage, the received data associated with the claim, in accordance with second segmentation logic different from the first segmentation logic, to determine a second segment classification appropriate for the claim, and
transmitting a segment classification indication for each of the plurality of claims including one of a first segment classification indication or a second segment classification indication;
a load balancing and assignment engine configured for:
receiving the segment classification indication for each of the plurality of claims from the segmentation platform processor;
automatically selecting, for each of the plurality of claims based on the segment classification indication, assignment of each claim to one of a claim handler and a case manager; and
transmitting an electronic file for each of the plurality of claims to the assigned one of the claim handler and the case manager.

US Pat. No. 9,465,883

SYSTEM AND METHOD FOR EFFICIENT DATA HANDLING ACROSS MULTIPLE SYSTEMS

HARTFORD FIRE INSURANCE C...

1. A computer-implemented method for converting data indicative of a transaction from XML (Extensible Markup Language) format
to a second data format, the second data format being based on hierarchies, the method being executed by one or more processors,
comprising:
by a first computer system, retrieving data indicative of a transaction in XML format;
by the first computer system, converting the retrieved transaction data to an intermediate data format having tags incorporating
sequence data, including one or more tags incorporating one or more of delimiter group name data and transaction group name
data;

by the first computer system, converting the data in the intermediate data format to the second data format based on hierarchies,
employing the sequence data to format the data in the second data format based on hierarchies, the formatting of the data
in the second data format based on hierarchies including arranging of alphanumeric data elements independent of font, and
designation of delimiter data groups and transaction data groups arranged between the delimiter data groups using the one
or more of the delimiter group name data and transaction group name data, and

by the first computer system, providing said data in the second data format based on hierarchies for output to a computing
device.

US Pat. No. 9,183,592

SYSTEMS AND METHODS FOR GRAPHICALLY ENABLED RETIREMENT PLANNING

HARTFORD FIRE INSURANCE C...

1. A computer system configured to provide a graphical display including a plurality of screen areas and goals displayed as
icons for drag and drop manipulation between the screen areas, determine predictable periodic retirement income, calculate
and display a financial gap dependent on screen areas in which the icons are displayed and the determined predictable periodic
retirement income, and update the financial gap calculation responsive to manipulation of the icons comprising:
a data storage device for storing data associated with a user's retirement planning;
a computer processor for executing program instructions and for retrieving said data associated with the user's retirement
planning from the data storage device; and

a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to:
categorize a first set of a plurality of user goals as basic must-have expenses and a second set of a plurality of user goals
as optional nice-to-have expenses, the second set of user goals being different than the first set of user goals,

graphically display icons associated with the basic must-have expenses in a first screen area,
graphically display icons associated with the optional nice-to-have expenses in a second screen area, the second screen area
being different than the first screen area,

determine predictable periodic retirement income associated with the user,
calculate a financial gap for the user based on a difference between expenses associated with the first set of user goals
and the predictable periodic retirement income,

graphically display the calculated financial gap,
receive from a remote user a graphical drag-and-drop indication that a selected icon is to be associated with one of the first
or second areas,

re-categorize a user goal associated with the selected icon based on the received indication, and
re-calculate the financial gap for the user based on a difference between the periodic expenses associated with the first
set of user goals after re-categorizing and the predictable periodic retirement income.

US Pat. No. 9,978,030

SYSTEM AND METHOD FOR PROCESSING OF UAV BASED DATA FOR RISK MITIGATION AND LOSS CONTROL

HARTFORD FIRE INSURANCE C...

1. A computer system comprising:one or more data storage devices storing data relating to a plurality of commercial insurance policies;
one or more computer processors in communication with the one or more data storage devices;
a communications interface in communication with the one or more computer processors and the one or more data storage device; 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 data via the communications interface indicative of a potential exception condition related to at least one of the plurality of commercial insurance policies;
determine an unmanned aerial vehicle (“UAV”) commercial insurance data applicability score dependent at least on a building type associated with the at least one of the plurality of commercial insurance policies;
compare the determined score to a threshold;
responsive to the determined score being less than the threshold, forward the data indicative of a potential exception to an insurance workflow subsystem for investigation, without UAV data;
responsive to the determined score being at least the threshold, issue instructions for controlling UAV collection of information, the instructions causing an onboard computer of at least one UAV to control the UAV to autonomously navigate to a building location associated with the at least one of the plurality of commercial insurance policies and to perform optical character recognition of store signage of the building at the location with the at least one of the plurality of commercial insurance policies;
receive data via the communications interface from at the UAV related to the exception condition;
process the data indicative of the potential exception condition and the received data from the UAV to determine at least one policy action for the at least one commercial insurance policy; and
communicate via the communications interface with an insurance subsystem to initiate an insurance workflow process related to the policy action.

US Pat. No. 9,652,807

COMPUTER SYSTEM FOR GENERATING CALCULATOR INTERFACE ELEMENTS FOR REMOTE DEVICE DISPLAY

HARTFORD FIRE INSURANCE C...

1. A system for generating a calculator interface including displays for conducting comprehensive integrated calculations
including accessing third party computer systems for a plurality of data items, comprising:
a calculator interface server computer configured to:
provide, by a communications device via a data network to a user device in relation to a totaled vehicle, a total loss calculator
graphical interface including an enabled state selection input field and a disabled state guidelines viewer;

responsive to receipt of the state selection input:
enable, by the communications device via the data network to the user device, the state guidelines viewer for the total loss
calculator graphical interface, said state guidelines viewer corresponding to the state selection input and including selectable
state specific information for viewing; and

request, by the communications device via the data network from a state jurisdictional computer, state jurisdictional data
and state cost data for the totaled vehicle;

determine whether all required data to calculate a total loss amount has been received;
responsive to a positive determination that all of the required data to calculate the total loss amount has been received:
calculate a net total amount for the totaled vehicle including a first net total amount in a first scenario where a coverage
entity obtains the totaled vehicle and a second net total amount in a second scenario where an owner retains the totaled vehicle,
the first and second net total amounts calculated based on application of a plurality of fee rules associated with the state
jurisdictional data, the state cost data, and said state selection input; and

provide by the communications device via the data network to the user device, a first display on a first portion of the total
loss calculator graphical interface of the first net total amount corresponding to the first scenario where the coverage entity
obtains the totaled vehicle and a second display on a second portion of the total loss calculator graphical interface of the
second net total amount corresponding to the second scenario where the owner retains the totaled vehicle.

US Pat. No. 10,134,091

SYSTEM AND METHOD FOR DETERMINING DRIVER SIGNATURES

HARTFORD FIRE INSURANCE C...

8. A computer implemented method for monitoring vehicle usage parameters and using those parameters to determine a driver signature, the method comprising:storing, by a computer memory, biographical information associated with at least one driver;
receiving, by a processor, information associated with telematics data, wherein the telematics data is associated with at least one of the vehicle(s), the telematics data providing information concerning use of the at least one vehicle(s);
accessing from a database a preconfigured expected information from the stored biographical information associated with at least one driver and any previously received information associated with the telematics data;
determining, by the processor, discrete segments of use for at least one of the vehicle(s) based on at least a portion of the received information associated with the telematics data, and to determine a driver signature associated with each of the discrete segments of use using a multivariate analysis based on at least a portion of the received information associated with the telematics data and comparing the at least a portion of the received information associated with the telematics data with the preconfigured expected information, wherein the preconfigured expected information includes at least one biometric reading or at least one implicit identification factor;
generating, by the processor, a driver risk assessment for the driver of the determined driver signature and automatically adjust the driver signature relativity based on the signature; and
communicating with a user device the driver signature and providing feedback to the user associated with driver signature to improve driving,
wherein the driver is determined after the driver signature relativity is adjusted using the driver signature for subsequent discrete segments of use.

US Pat. No. 9,659,299

COMPUTER SYSTEM AND METHOD FOR INTERIM TRANSACTION DIAGNOSIS FOR SELECTIVE REMEDIATION AND CUSTOMER LOYALTY ENHANCEMENT

HARTFORD FIRE INSURANCE C...

1. A computer system for interacting with a pre-existing system to provide feedback acquisition and processing, comprising:
a loyalty data server computer system in communication with a claim data management server computer, the loyalty data server
computer system configured to access the claim data management server computer to obtain data indicative of open claim files
qualified for an interim claims transaction survey, and, based on a pre-determined number of days after a first notice of
loss, determine that claims are qualified for the interim claims transaction survey, and, for claims determined to be qualified
for the interim claims transaction survey, obtain a hyperlink pointing to the claim file location, in the claim data management
server computer, and place the obtained hyperlink in a work queue on a survey terminal, wherein:

responsive to the first notice of loss being associated with a workers' compensation insurance type, the loyalty data server
computer system is configured to automatically set the predetermined number of days to a first value, and

responsive to the first notice of loss being associated with an automotive insurance type, the loyalty data server computer
system is configured to automatically set the predetermined number of days to a second value different than the first value,

a data acquisition processor for receiving a plurality of first customer feedback responses and a plurality of second customer
feedback responses to surveys, each of the first customer feedback responses being an interim claims transaction feedback
response received, in response to a first customer survey, by the data acquisition processor from a claimant before the insurance
claim is resolved by an insurance provider,

each of the second customer feedback responses being received by the data acquisition processor after receiving the one of
the plurality of first customer feedback responses associated with one of the insurance claims, the data acquisition processor
operative to classify at least one of the first customer feedback responses in an attention-needed category and at least one
other of the first customer feedback responses in an attention-not-needed category;

a workflow router in communication with the data acquisition processor;
a supervisor terminal in communication with the workflow router, the workflow router operative to route one of the plurality
of claims to the supervisor terminal in response to the first customer feedback response associated with the claim being classified
in the attention-needed category, wherein the supervisor terminal is to facilitate remedial action before the second customer
feedback response associated with the claim is received by the data acquisition processor;

a database storage unit in communication with the data acquisition processor for storing data that represents the first and
second customer feedback responses;

a database processor in communication with the database storage unit, the database processor operative to identify trends
in customer feedback response data stored in the database storage unit;

a display device in communication with the database processor, the display device providing a screen display indicative of
an aggregation of the customer feedback response data stored in the database storage unit;

wherein the second customer feedback response associated with one of the claims is received responsive to a survey dispatched
after the routing of the claim to the supervisor terminal in response to the first customer feedback response associated with
the one of the claims being classified in the attention-needed category; and wherein the data acquisition processor is operative
to selectively classify the second customer feedback response as company-loyal, and to selectively classify a first customer
feedback response in the attention-not-needed category as company-loyal; and

a sales processor in communication with the database storage unit, the data acquisition processor and the workflow router
and, responsive to the selective classification of a customer feedback response as company-loyal, configured to generate a
selling proposition for the claimant who provided the customer feedback response.

US Pat. No. 9,691,394

SYSTEM AND METHOD FOR INTERACTIVE VOICE RESPONSE UNIT TABLE-BASED PROGRAMMING

Hartford Fire Insurance C...

1. A computerized interactive voice response system having a modular router application that processes audio files for interactive
voice response applications, comprising:
a display that displays a plurality of components of a modular router application;
the display comprising the plurality of components of the modular router application displayed in a structured format comprising
a listing of a plurality of menu choices, at least one sequence of audio files, and a plurality of pointers to a plurality
of stored audio files;

an input device that receives an input that changes at least one pointer of the plurality of pointers to a changed pointer;
the changed pointer indicating a different audio file;
a processor that modifies the modular router application to form a modified router application including the changed pointer;
and

a database that stores the modified router application comprising the changed pointer, wherein the modified router application
plays a different audio file according to the changed pointer.

US Pat. No. 10,140,663

SYSTEMS AND METHODS FOR SENSOR-BASED ACTIVITY EVALUATION

HARTFORD FIRE INSURANCE C...

1. An activity evaluation system comprising:a communications device configured to receive (1) sensor data based on at least one sensor configured to monitor activity of an individual associated with and distinct from a covered entity, and (2) an activity evaluation for the individual; and
a computer hardware server, operated by a risk management entity and in communication with the communications device, configured to adjust data corresponding to a parameter of a risk management policy covering the covered entity based on the sensor data and the activity evaluation, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of desired activity by the individual;
wherein the computer hardware server is further configured to generate, based at least in part on the activity evaluation, data indicative of a risk management recommendation comprising a loss-control recommendation for one or both of the covered entity and a healthcare provider, and output a communication having the data indicative of the risk management recommendation to one or both of the covered entity and the healthcare provider; and
wherein the computer hardware server is further configured to:
determine, based on the sensor data, whether the individual has conformed with activity guidelines applicable to the individual; and
responsive to a negative determination that the individual has conformed with the activity guidelines, transmit an alert to a computing device of the covered entity corresponding to the negative determination that the individual has conformed with the activity guidelines.

US Pat. No. 10,176,526

PROCESSING SYSTEM FOR DATA ELEMENTS RECEIVED VIA SOURCE INPUTS

Hartford Fire Insurance C...

1. A system to evaluate relative risks based at least in part on source inputs received via a distributed communication network by an automated back-end application computer server, comprising:(a) a structured data element information source input;
(b) an unstructured data element information source input;
(c) an external, third-party data element information source input;
(d) a communication port to facilitate an exchange of electronic messages with the structured data element information source input, the unstructured data element information source input, and the external, third-party data element information source input via the distributed communication network;
(e) a data store containing electronic files associated with a set of entities; and
(f) the back-end application computer server, coupled to the communication port and the data store, programmed to:
(i) for each of a plurality of the entities in the set of entities, access the electronic files in the data store associated with that entity,
(ii) retrieve structured data elements for that entity from the structured data element information source input,
(iii) retrieve unstructured data elements for that entity from the unstructured data element information source input,
(iv) retrieve external, third-party data elements for that entity from the external, third-party data element information source input,
(v) determine at least one variable associated with an automated risk model, the at least one variable being assigned a predictive quality based at least in part on an input frequency over time of the variable, using a variable proving ground tool comprising a scoring matrix configured to rate variables based on at least input frequency over time,
(vi) execute the automated risk model to assign a risk score to that entity based on the at least one variable, the electronic files, the structured data elements, the unstructured data elements, and the external, third-party data elements for that entity, and
(vii) transmit indications of the risk scores for the plurality of entities.

US Pat. No. 10,147,142

LOCATION AND SOCIAL NETWORK DATA ENTITY IDENTIFICATION SYSTEM

Hartford Fire Insurance C...

1. A computer system comprising:a data storage device storing historic transaction data and loss data;
a communication device configured to receive data about an entity including geographic data corresponding to the entity and dynamically updated social network data from social networking sites corresponding to the entity, and to output the received data;
an estimator device configured to receive the received data from the communication device; automatically determine, based on the received data, an estimated number of employees employed by the entity; and automatically identify, based at least in part on the estimated number of employees employed by the entity, one or more other similar entities having at least one common characteristic with the entity;
a data weighting device configured to: generate weighted data by applying weighting factors to the received data including a first weighting factor based on a location of users providing social networking posts corresponding to the social network data about the entity and a second weighting factor based on whether the social network data includes one or more of image data, video data, and audio data; and
a comparison engine configured to receive the weighted data from the data weighting device and apply one or more predictive models, trained on the historic transaction data and loss data, to (i) the weighted data, (ii) the estimated number of employees, and (iii) the identified one or mere similar entities to the entity, to determine at least one risk-related parameter corresponding to the entity;
wherein the communication device is further configured to output to a computer monitor the at least one determined risk-related parameter for the entity.

US Pat. No. 10,083,175

GRAPHICAL USER INTERFACE FOR TRACKING DATA ACCESS AND DATA CHANGES IN A CENTRALIZED DATABASE

Hartford Fire Insurance C...

1. A system having a graphical user interface for tracking data access and data changes in a centralized database, comprising:a database storing a first language module corresponding to a portion of a document;
a display providing a graphical user interface that permits access to an authorized user for modifying the first language module and for selecting an intended state of use of the first language module;
the graphical user interface enabling user interaction with an icon for indicating a gap for the first module in response to selection of the document, a section of the document, and the first language modules, wherein the gap is determined based on the laws and regulations of the selected intended state of use, wherein the gap identifies a difference between requirements included in the first language module and requirements of the selected intended state of use of the first language module;
a processor that, responsive to the user interaction with the icon, opens in the graphical user interface, at least one data field for indicating gap origin, reason for the gap change, and at least one gap requirement based upon the identified difference;
the graphical user interface providing a function for associating the gap with the first module and generate a modified module comprising the first language module modified by incorporating the information related to the gap identified in the at least one data field;
a processor that stores in the database the first module, the gap, and the modified module; and
the graphical user interface providing a search function to an authorized user for retrieving one or more of the first module and the modified module.

US Pat. No. 10,032,224

SYSTEMS AND METHODS FOR ANALYZING SENSOR DATA

Hartford Fire Insurance C...

1. A computerized method of providing improved collection and processing, at a central location, of sensor data collected at properties remote from the central location, comprising:providing a central server computer, at the central location, having electronic access to:
one or more data storage devices storing:
a plurality of business type classifications, wherein each business type classification represents a manner of use for a potentially insurable property;
a plurality of business type classification-specific underwriting guidelines; and
an association between each business type classification and a respective business type classification-specific underwriting guideline;
executing, by the central server computer, computer executable instructions stored on a computer readable medium, thereby causing the central server computer to:
obtain an association between each of the remote properties and one of the stored business type classifications;
automatically initiate a polling process, including communicating with, and receiving an acknowledgment from, a controller at each of the remote properties, each of the controllers having a corresponding digital address unique to the corresponding remote property; responsive to receipt of the acknowledgment, transmitting a start code, to cause the controller at each of the remote properties to, responsive to receipt of the start code, initiate a sampling of data collected by the sensors regarding the remote property, the collected sensor data comprising measurements of one or more of a condition, state of affairs, physical property or assessment of the remote property;
access one or more factors associated with the one of the stored business type classifications associated with the remote property;
determine a value of a risk modifier based at least in part on applying the one or more factors to the collected sensor data, thereby determining the value of the risk modifier dependent at least in part on the one of the stored business type classifications associated with the remote property, and further based in part on acquisition of sensor data and values of the acquired sensor data;
calculate a premium for an insurance policy for the remote property based at least in part on the risk modifier; and
transmit to a user device for display data including at least the calculated premium.

US Pat. No. 10,163,159

GRAPHICAL USER INTERFACE SYSTEM

Hartford Fire Insurance C...

1. A system comprising:a back end retirement planning platform configured to:
render, for transmission to a front end remote user device, a first graphical display including a first basic expenses area of the first graphical display, a second optional expenses area of the first graphical display, and a plurality of expense icons, the first graphical display permitting user movement of each of the plurality of expense icons to one of the first basic expenses area and the second optional expenses area;
monitor the first basic expenses area of the first graphical display and the second optional expenses area of the first graphical display to detect an indication from the front end remote user device of movement of one or more of the plurality of expense icons to one of the first basic expenses area and the second optional expenses area;
responsive to receipt of the indication that one or more of said expense icons have been moved to one of the first basic expenses area and the second optional expenses area, categorize a first set of a plurality of user goals as basic expenses corresponding to ones of the plurality of expense icons moved by the user to the first basic expenses area and categorize a second set of a plurality of user goals as optional expenses corresponding to ones of the plurality of expense icons moved by the user to the second optional expenses area, said second set of the plurality of user goals being different than the first set of the plurality of user goals,
render, for transmission to the front end remote user device, a second graphical display for receiving retirement income data input corresponding to predictable monthly retirement income associated with the user,
render, for transmission to the front end remote user device, a third graphical display for receiving retirement asset data input corresponding to retirement assets associated with the user,
calculate a financial gap for the user, the financial gap comprising a difference between a total of the expense icons moved to the first basic expenses area and the predictable monthly retirement income corresponding to the retirement income data input;
render, for transmission to the front end remote user device, a fourth graphical display including a graphical representation of the financial gap, a graphical representation of a targeted monthly retirement income in an income area of the fourth graphical display, a graphical representation of assets associated with the user in an asset area of the fourth graphical display, the graphical representation of assets comprising a plurality of asset icons each representing a portion of a value of the assets, the fourth graphical display permitting user movement of one or more of the plurality of asset icons from the asset area to the income area;
monitor the income area of the fourth graphical display to detect an indication from the front end remote user device of movement of one or more of said asset icons to the income area;
responsive to receipt of the indication that one or more of said asset icons have been moved from the asset area to the income area, dynamically recalculate the financial gap for the user;
dynamically adjust the graphical representation of the financial gap on the fourth graphical display on the front end user device based on the recalculating.

US Pat. No. 9,886,724

SYSTEM AND METHOD FOR EVALUATING TEXT TO SUPPORT MULTIPLE INSURANCE APPLICATIONS

Hartford Fire Insurance C...

1. A system for evaluating text data to support a plurality of server-based applications, comprising:
a communication device to receive text input data from multiple sources;
a processor coupled to the communication device; and
a computer storage device in communication with the processor and storing instructions adapted to be executed by the processor
to:

aggregate and map the received text input data to create composite text input data,
automatically detect a semantic event in the composite text input data triggered by a semantic rule and associated semantic
tag,

flag the detected semantic event as meeting a pre-determined condition, wherein at least one of the semantic tag and pre-determined
condition were previously defined by a user via a graphical interface,

update a text mining result database, responsive to the flag, by adding an entry to the database identifying the detected
semantic event and the triggering semantic rule, and

transmit an indication associated with the text mining result database to the plurality of server-based applications.

US Pat. No. 9,655,547

MICROELECTROMECHANICAL ACCELEROMETER BASED SENSOR SYSTEM

HARTFORD FIRE INSURANCE C...

1. A micro-electro-mechanical-system (MEMS) based sensor system for detecting and analyzing activity levels comprising:
a wireless router having a transceiver operable to communicate with at least one server programmed to operate as a world wide
web server and having a network data adapter to communicate with one or more third party networks; and

a wearable microelectromechanical sensor configured to connect to a mobile electronic device, the microelectromechanical sensor
including a wireless communication transceiver provided internal to the microelectromechanical sensor wherein the microelectromechanical
sensor wirelessly communicates with the mobile electronic device; the mobile electronic device configured to wirelessly receive
and display user activity data collected by the microelectromechanical sensor, the mobile electronic device having a transceiver
for transmitting the received user activity data to a remote server system device via the wireless router, the remote server
system device configured to analyze the user activity data to determine an associated activity classification associated with
the user activity data, each activity classification corresponding to a predetermined condition and an associated condition
benefit, wherein the remote server system device is to automatically generate an exception condition for an investigator upon
detection of a potential fraudulent condition based on a comparison of the sensed user activity data with a historical profile
that particular user's past activities and a predictive model, the mobile electronic device enabled to transmit instructions
to microelectromechanical sensor in order to vary a sampling condition of the microelectromechanical sensor in response to
the determined activity classification.

US Pat. No. 9,665,911

SYSTEM AND METHOD TO DOCUMENT AND DISPLAY BUSINESS REQUIREMENTS FOR COMPUTER DATA ENTRY

Hartford Fire Insurance C...

1. A computerized method for rendering a web page during creation of the web page and prior to completion of the web page
using a collaborative form prototype builder, comprising:
storing, in a shared drive, a dataset template including:
data including a plurality of fields, the plurality of fields including data collection fields;
providing a program of executable code that is run by a web browser and that uses the dataset template and web page code to
provide a web page version in a web browser of a remote client device;

assigning, using at least one processor, different user permissions for accessing, viewing and updating data of the dataset
template;

receiving, from a first remote client device, a request to access the dataset template;
determining, using the at least one processor and based on the permissions, that the first remote client device is permitted
to alter the dataset template;

receiving, from the first remote client device, user input data that alters the web page code;
storing the user input data into the dataset template;
receiving, from a web browser of the first remote client, a request to view a current web page version;
automatically providing, using the at least one processor, to the web browser running on the first remote client device, an
altered version of the web page based on the user input data that has been incorporated into the dataset template;

said providing comprising pointing the web browser of the first remote client to a page that runs the program of executable
code and extracts the data from the dataset template from the shared drive and displays the data in the web browser of the
first remote client;

receiving, from a second remote client device, a request to access the dataset template;
granting, using the at least one processor, read only access to the dataset template to the second remote client device based
on the permissions;

providing, using the at least one processor, to a web browser running on the second remote client device, the altered view
of the web page;

said providing comprising pointing the web browser of the second remote client to the page that runs the program of executable
code and extracts the data from the dataset template from the shared drive and displays the data in the web browser of the
second remote client; and

thereafter providing, using the at least one processor, a completed web page version based on all user input data included
in the dataset template;

wherein the completed web page is provided at a web site for end user client device access;
said completed web page incorporating data of the dataset template, wherein the executable code is omitted and does not access
the dataset template from the shared drive for end user client access to the completed web page.

US Pat. No. 9,940,675

SYSTEM AND METHOD FOR RULES DRIVEN INSURANCE CLAIM PROCESSING

HARTFORD FIRE INSURANCE C...

1. A system, comprising:an intake computer system configured to receive, from a plurality of remote computing devices, data records corresponding to submissions received at a rate of thousands of submissions per year from the plurality of remote computing devices;
a plurality of handler computing devices; and
a rules driven processing engine for sequentially applying a selected combination of filters to the data records to effect an expedited processing data flow which reduces a number of data records processed according to a normal processing data flow, the rules driven processing engine interposed between the intake computer system and the plurality of handler computing devices to communicatively couple said rules driven processing engine, said intake system, and said plurality of handler computing devices, said rules driven processing engine configured to:
receive, by a processing engine communication device from the intake computer system, one or more electronic files including the data records;
reduce the data records to generate a first subset of reduced data records by application of a first filter rule to the data records that removes each of the data records that does not correspond to a valid policy;
responsive to reduction of the data records and generation of the first subset of reduced data records, reduce the first subset of data records to generate a second subset of reduced data records by application of a second filter rule to the first subset of reduced data records that removes each of the data records of the first subset of reduced data records that corresponds to pre-determined legal jurisdictions;
responsive to reduction of the first subset of reduced data records and generation of the second subset of reduced data records, reduce the second subset of reduced data records to generate a third subset of reduced data records by application of a third filter rule to the second subset of reduced data records that removes each of the data records of the second subset of reduced data records that corresponds to a pre-determined injury type, wherein the third subset of reduced data records comprises a final subset of reduced data records;
automatically transmit the data records removed by sequential application of the selected combination of filters to a normal workflow module of a workflow management system configured to assign each of the removed data records to a handler based upon a complexity of a claim corresponding to the data record and handler workload, and transmit an electronic file corresponding to each of the removed data records to one of the plurality of handler computing devices, each corresponding to one of the assigned handlers, wherein the data records removed by sequential application of the selected combination of filters comprise a reduced subset of the data records received from the intake computer system;
automatically transmit the final subset of reduced data records not removed by sequential application of the selected combination of filters to an expedited workflow module of the workflow management system, the expedited workflow module configured to:
sort data records of the final subset of reduced data records into a first expedited data record subset including each of the data records of the final subset of reduced data records which has a corresponding payment value below a pre-determined threshold and a second expedited data record subset including each of the data records of the final subset of reduced data records which has a corresponding payment value above the pre-determined threshold;
generate a payment for each of the data records of the first expedited data record subset, without each such data record being transmitted to one of the plurality of handler computing devices for processing by a handler according to the normal workflow module of the workflow management system; and
transmit each of the data records of the second expedited data record subset to one of the plurality of handler computing devices for processing by a handler who specializes in processing of data records transmitted to the expedited workflow module; and
output, to a team leader computing device, a display including data indicative of the final subset of reduced data records.

US Pat. No. 9,659,277

SYSTEMS AND METHODS FOR IDENTIFYING POTENTIALLY INACCURATE DATA BASED ON PATTERNS IN PREVIOUS SUBMISSIONS OF DATA

HARTFORD FIRE INSURANCE C...

8. A computer-implemented method, comprising:
receiving, by an electronic quote submission system via a communications network, a plurality of policy application data submissions
for potential customers from remote agent devices, each of the policy application data submissions including (i) revisions
data indicative of one or more revisions of submitted policy application data made by a corresponding remote agent during
entry of data for each of the policy application data submissions, (ii) backdating data indicative of requests for backdated
coverage; (iii) cancellation data indicative of policy cancellations; and (iv) classification data indicative of classification
changes; and

storing, by a policy analytics platform coupled to the electronic quote submission system, in a data storage device, the plurality
of policy application submissions in a database of historical underwriting data;

continuously analyzing, by the policy analytics platform, the historical underwriting data to identify trends in the database
of historical underwriting data;

receiving, by the policy analytics platform from the electronic quote submission system, a policy application data submission
for a potential customer from a remote agent device associated with an agent;

receiving, by the policy analytics platform from the data storage device, agent behavioral data corresponding to the remote
agent in connection with other policy applications submitted by the remote agent through the electronic quote submission system,
wherein the agent behavioral data includes the revisions data, the backdating data, the cancellation data, and the classification
data;

automatically analyzing, by the policy analytics platform, the submitted policy application data based at least in part on
the agent behavioral data corresponding to the remote agent and the identified trends the historical underwriting data;

identifying, by the policy analytics platform based on the analysis, potentially inaccurate policy application data submitted
by the remote agent in the submitted policy application data;

responsive to identification of the potentially inaccurate policy application data submitted by the remote agent, generating,
by the policy analytics platform, a flag corresponding to at least one of the input portion of the electronic quote submission
system, and a class of business;

responsive to identification of a plurality of potentially inaccurate policy application data submitted by the remote agent,
generating, by the policy analytics platform, one or more flags corresponding to the remote agent based on application of:
(i) a revisions rule threshold, (ii) a cancellations rule threshold, (iii) a backdating rule threshold, and (iv) a classification
change rule threshold, to the plurality of potentially inaccurate policy application data; and

rendering, by the policy analytics platform for display on an administrator response device, a real-time graphical display
which identifies the one or more flags generated in relation to potentially inaccurate policy application data and which displays
a recommendation for addressing each of the one or more flags, thereby permitting review of the potentially inaccurate policy
data before generation of an underwriting determination.

US Pat. No. 10,330,826

SYSTEM FOR SENSOR ENABLED REPORTING AND NOTIFICATION IN A DISTRIBUTED NETWORK

HARTFORD FIRE INSURANCE C...

1. A system for enabling an electronic warning system, the system comprising:a plurality of devices, ones of the plurality of devices including one or more sensors configured to capture information from a distributed geographic area, at least one of the plurality of devices transmitting information captured by the one or more sensors; and
a server configured to receive the captured device information transmitted by the at least one of the plurality of devices, the server including:
a data store for storing the received device information;
a processor for processing the stored data, the processor configured to compile the captured data and determine a region of warning, the processor further configured to identify a plurality of property associated with the determined region of warning and to generate a series of electronic transmissions messages to selected ones of the plurality of devices based on the region of warning, the selected ones of the devices associated with a plurality of policyholders who have indicated a preference to receive the electronic transmission messages, the messages associated with protecting certain real property covered in one or more policy documents associated with the policyholders;
a communication interface configured to transmit the electronic transmission messages to the selected ones of the plurality of devices, wherein upon receipt of transmitted message remedial measures are employed to protect real property; and
the communication interface further configured to receive feedback associated with the remedial measures employed.

US Pat. No. 10,217,169

COMPUTER SYSTEM FOR DETERMINING GEOGRAPHIC-LOCATION ASSOCIATED CONDITIONS

Hartford Fire Insurance C...

1. A vehicle navigation enhancement computer system, comprising:one or more data storage devices storing geocoded historical vehicle accident data and associated location data and geocoded historical test data associated with locations, the geocoded historical vehicle accident data and the geocoded historical test data corresponding to historical accidents that occurred before the request from the user device;
a predictive modeling computer system coupled to the one or more data storage devices and including one or more predictive models trained and verified with the stored geocoded vehicle accident data and associated location data and geocoded test data associated with locations to determine a kriging surface map overlay of geocoded vehicle accident risk factors and associated weights for determining a predicted safety score, an expected accident score, and a confidence band, for each point on the surface of the kriging surface map overlay based upon geocoded vehicle accident data at the each point and at surrounding points;
one or more computer processors of a safety scoring engine coupled to the predictive modeling computer system; and
a memory coupled to the one or more computer processors storing computer-readable program instructions, which instructions, when executed by the one or more computer processors of the safety scoring engine, cause the one or more computer processors to:
receive, from a remote user device via a communications network, a request for information associated with a proposed route;
apply at least one of the one or more trained and verified predictive models including at least the kriging surface map overlay, to data associated with the proposed route, to generate a safety score associated with the proposed route;
render, for transmission over the communications network and display on the remote user device, a safety score user preferences interface which includes selectable icons for selecting a level of warnings to be displayed and types of safety symbols to be displayed;
receive, from the remote user device, the selected level of warnings to be displayed and the selected types of safety information to be displayed;
output for transmission, by an application programming interface (API) over the communications network to the remote user device based on the selected level of warnings to be displayed and the selected types of safety information to be displayed, a safety data overlay including the safety score, the depictions of warnings, and the safety symbols, wherein the API is configured to integrate the safety overlay with external mapping services data generated by an external mapping services server and received by the remote user device to provide, on the remote user device, a graphical map display of the proposed route which includes a depiction of the safety overlay including the safety score, the warnings, and the symbols on the graphical map display.

US Pat. No. 9,836,795

COMPUTERIZED SYSTEM AND METHOD FOR PRE-FILLING OF INSURANCE DATA USING THIRD PARTY SOURCES

Hartford Fire Insurance C...

1. A computerized system for processing data in connection with insurance information submissions comprising:
one or more data storage devices storing data relating to accessing of entity data;
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 a computer-implemented insurance form;
query an interface of a third-party platform based on the 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 insurance form relating to the entity based at least in part
on the third-party platform interface data and the third-party platform web site data;

output for display on the user-accessible device the insurance form including the pre-filled one or more data fields;
determine if 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 the third-party platform interface data and the third-party platform web site data contain
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 the third-party platform interface data and the third-party platform web site data does
not contain one or more of the alert terms:

determine insurance premium pricing for the entity; and
generate an insurance policy for the entity based on the determined insurance premium pricing for the entity.

US Pat. No. 9,684,932

SYSTEMS AND METHODS FOR GRAPHICAL REPRESENTATION OF STATUS OF AN INSURANCE CLAIM

Hartford Fire Insurance C...

1. A computer system, comprising:
one or more data storage devices storing: insurance claim processing data for a plurality of insurance claims; and insurance
claim workflow data corresponding to an insurance claim workflow, the insurance claim workflow defining a series of steps
associated with processing of insurance claims, and a temporal ordering of the series of steps; and

a computer server comprising a processor in communication with the one or more data storage devices and configured to:
receive a first user request for status data for one of the plurality of insurance claims,
in response to receiving the first user request, determine insurance claim status data based on insurance claim processing
data stored in the one or more data storage devices for the one of the plurality of insurance claims, and

output the insurance claim status data to a graphical user interface configured to display the insurance claim status data
including each of the series of steps which have been completed and each of the series of steps which have not been completed,
the graphical user interface configured for depicting a single graphical representation of the insurance claim status data,
the single graphical representation comprising:

a plurality of graphical depictions, each of the plurality of graphical depictions corresponding to one of the series of steps
of the insurance claim workflow, including each of the series of steps which have been completed and each of the series of
steps which have not been completed, the plurality of graphical depictions arranged in accordance with the temporal ordering
of the series of steps; and

a dynamic representation element distinct from the plurality of graphical depictions, the dynamic representation element dynamically
adapting to correspond to all of the series of steps of the insurance claim workflow that have been completed;

receive a second user request for additional insurance claim status data associated with a selected one of the series of steps
of the insurance claim workflow;

responsive to receiving the second user request, determine the additional insurance claim status data corresponding a plurality
of substeps associated with the selected one of the series of steps, the insurance claim workflow further defining an ordering
of the plurality of substeps; and

output data to display, via the graphical user interface, graphical representations comprising: identifications of each one
of the plurality of substeps associated with the selected one of the series of steps, and an additional dynamic representation
element corresponding to all of the plurality of substeps that have been completed.

US Pat. No. 9,665,910

SYSTEM AND METHOD FOR PROVIDING CUSTOMIZED SAFETY FEEDBACK

Hartford Fire Insurance C...

1. A driver feedback system, comprising:
(a) a data storage device storing a dynamic driver profile for a specific driver, wherein the dynamic driver profile includes:
i. at least one rating characteristic of the driver, including at least one rating characteristic related to the driver's
driving behavior recorded by a vehicle monitoring system on a vehicle; and

ii. a plurality of non-rating characteristics of the driver, the non-rating characteristics excluding driving data, the non-rating
characteristics comprising at least an eyesight quality characteristic and at least one of driver preferences, guardian preferences
and supervisor preferences;

(b) at least one computer processor configured to execute:
i. a driver evaluation module for:
receiving driving data from the vehicle monitoring system on the vehicle, the driving data comprising driver behavioral data
sensed by sensors on the vehicle comprising data indicative of one or more of hard braking, tailgating, lane changing, and
speed relative to speed limit;

determining a safety performance evaluation of the driver based on (i) the driver behavioral data, (ii) the rating characteristics,
including the rating characteristic related to the driver's driving behavior in the driver's associated dynamic driver profile,
and (iii) the non-rating characteristics in the driver's associated dynamic driver profile;

generating driving feedback responsive to the driver behavioral data and based on the safety performance evaluation; and
updating the dynamic driver profile in the data storage device based on the safety performance evaluation;
ii. a business rules module for adjusting features of an insurance policy for a driver based on the rating characteristics
in the driver's dynamic driver profile and the safety performance evaluation for the driver output by the driving evaluation
module; and

(c) a processor configured to execute a dynamic feedback module for:
selecting a feedback mode from a plurality of feedback modes for a driver, the feedback modes comprising at least an in-vehicle
feedback mode and an out-of-vehicle feedback mode, based on the received driving data from the vehicle monitoring system;

responsive to selection of the out-of-vehicle feedback mode:
generating at least one of a fax, a voice message, or an email message corresponding to the feedback generated by the driver
evaluation module; and

transmitting the at least one of the fax, the voicemail message, and the email message to the driver; and
responsive to selection of the in-vehicle feedback mode:
generating at least one of real-time audio feedback data, real-time visual feedback data, pre-ride audio feedback data, pre-ride
visual feedback data, post-ride audio feedback data, and post-ride visual feedback data corresponding to the feedback generated
by the driver evaluation module; and

transmitting, to the vehicle monitoring system on the vehicle, the at least one of the real-time audio feedback data, the
real-time visual feedback data, the pre-ride audio feedback data, the pre-ride visual feedback data, post-ride audio feedback
data, and post-ride visual feedback data, for output on a feedback output device on the vehicle;

wherein the non-rating characteristics comprise driver reaction time, and wherein the driver evaluation module is further
for providing feedback to increase a separation distance between a driver's vehicle and a preceding vehicle, triggered based
on a threshold separation distance, the threshold separation distance being based on the driver reaction time for the driver
stored in the dynamic driver profile.

US Pat. No. 10,380,698

SEGMENTATION PLATFORM

Hartford Fire Insurance C...

1. A system comprising:(a) an intake server configured to receive a plurality of current data sets corresponding to a plurality of claims, each of the plurality of current data sets including input data received from a graphical input display generated for receiving data input, and each of the data sets including one or more of a field having a value indicative of diagnosis data, a field having a value indicative of recovery profile data, a field having a value indicative of complexity data, and a field indicative of recovery likelihood data;
(b) a plurality of remote user-accessible computers, each of the plurality of remote user-accessible computers associated with a user identifier and configured to receive, via a communication network, one or more of the current data sets; and
(c) a segmentation platform interposed between the intake server and the plurality of remote user-accessible computers comprising:
(i) one or more data storage devices configured to store: (1) historical data sets including a data table including at least a payment data field, a demographic data field, a medical code data field, an injury data field, and an employment data field, (2) current data sets, and (3) user data corresponding to a plurality of users, the user data including fields indicative of values of user identifier data, user workload data, user experience data, and user expertise data;
(ii) a model training component computer processor configured to train, based upon the historical data sets, a predictive model to segment data sets;
(iii) the predictive model trained to segment the current data sets;
(iv) a segment rules database configured to store segment rules to divide the plurality of claims into a plurality of segment classifications, at least one segment rule configured to:
segment the data set to a higher complexity claim segment when the data set is indicative of at least two of the following conditions: the diagnosis data value is true, the recovery profile data value is true, and a level of complexity value corresponding to the complexity data exceeds a pre-determined level; and
segment the data set to a lower complexity claim segment when the data set is indicative of either: the likelihood of recovery value is below a first pre-determined threshold value or the likelihood of recovery value is above a second pre-determined threshold value; and
(v) a triage processor configured to:
(1) receive a current data set corresponding to a claim received by the intake server, the current data set including fields indicative of values of at least one of the diagnosis data, the recovery profile data, the complexity data, and the recovery likelihood data;
(2) access the segment rule database to retrieve the at least one segment rule;
(3) segment, based on application of the predictive model and the at least one segment rule to the current data set corresponding to the claim, the current data set to a claim segment;
(4) dynamically determine updated user current workload data in the one or more data storage devices based upon continually received current workload data for each of the plurality of users;
(5) link a user identifier, corresponding to a user, to the current data set based upon the assigned claim segment and the user data including the dynamically determined updated current workload data for each of the plurality of users;
(6) responsive to linking of the user identifier to the claim, automatically route an electronic file corresponding to the current data set to the remote user-accessible computer associated with the linked user identifier via the communication network; and
(7) repeat steps (1)-(6) for additional current data sets and continuously adapt the predictive model by activating the model training component computer processor to update the predictive model with the current data set and results corresponding to the additional current data sets.

US Pat. No. 9,652,806

SYSTEM AND METHOD FOR PROVIDING AND ACTIVATING COMMODITIZED INSURANCE

HARTFORD FIRE INSURANCE C...

1. A system for activating and binding a commoditized insurance product, the system comprising:
a commoditized insurance product including a price and an activation code associated with the product, the activation code
identifying pre-defined parameters for an insurance policy;

an insurance carrier that provides the commoditized insurance product, the insurance carrier receiving payment in the amount
of the price and information regarding the one activation code, via a web server from a third party upon purchase of the product
by a purchaser;

the insurance carrier via a policy issuance server including:
a memory device configured to store information in a central record that includes:
the at least one activation code associated with pre-defined parameters for an insurance policy and identified with the commoditized
insurance product; and

a set of verification queries associated with the at least one activation code, the set of verification queries related to
the pre-defined parameters for the insurance policy and the commoditized insurance product including at least one state of
coverage and type of entity being covered wherein the set of verification queries screen for eligibility of the commoditized
insurance product;

a processor configured to receive the activation code associated with the commoditized insurance product when the purchaser
uses a mobile device to attempt to activate the insurance policy via the insurance carrier and access the memory device to
determine the set of verification queries associated with the received activation code; and

a communications interface to provide the determined set of verification queries to the mobile device and receive responses
thereto, and on a condition that the processor determines that the received responses to the determined set of verification
queries are in accordance with the policy associated with the commoditized insurance product activates the policy identified
by the product to insure the entity being covered.

US Pat. No. 10,109,017

WEB DATA SCRAPING, TOKENIZATION, AND CLASSIFICATION SYSTEM AND METHOD

HARTFORD FIRE INSURANCE C...

1. A system comprising:a web server configured to:
obtain network location data for an electronic resource including content data about an entity;
responsive to obtaining the network location data, scrape, from a server hosting the electronic resource corresponding to the network location data, the content data about the entity;
a content processor coupled to the web server and configured to:
responsive to scraping the content data, tokenize the content data;
responsive to tokenization of the content data, generate, based on the tokenized content data, token count data corresponding to a number of occurrences of each of a plurality of terms indicative of industrial classification; and
responsive to generation of the token count data, store the token count data in one or more data storage devices in communication with the content processor; and
a predictive model processor coupled to the web server and the content processor and configured to:
responsive to the generation and storage of the token count data, apply the token count data to a computerized predictive model trained to generate, based on the token count data, first data indicative of at least one industrial classification applicable to the entity and second data indicative of a likelihood the first data is applicable to the entity; and
wherein the web server is further configured to provide, via a communications device, to a user device, and responsive to application of the trained computerized predictive model to the token count data, a display including the first data indicative of at least one industrial classification and the second data indicative of the likelihood the first data is applicable to the entity.

US Pat. No. 10,027,533

SYSTEM FOR CLOUD-BASED SERVICE OUTAGE DETECTION AND VERIFICATION

Hartford Fire Insurance C...

1. A system for cloud-based service outage detection and verification, comprising:a network link that receives, over a data communications network, cloud service provider outage information according to a predetermined retrieval policy;
a processor that generates, using text data derived from the cloud service provider outage information, outage data comprising a third party cloud service provider identification and an outage characteristic; and
a database that stores the outage data indexed according to cloud service provider identification and outage characteristic;
the processor receiving, over the data communications network, data of a requesting entity;
the processor thereafter identifying that the requesting entity subscribes to a cloud-based service of the third party cloud service provider based on a query using the database; and
in response to the processor determining that the requesting entity subscribes to a cloud-based service of the third party cloud service provider, confirming that the-cloud based service has experienced an outage based on the outage data stored in the database and providing a verification indication to the requesting entity;
wherein the receiving of cloud service provider outage information according to a predetermined retrieval policy comprises monitoring web site content for new content; wherein the generating outage data comprises extracting the new content once identified and associating the new content with an outage of the third party cloud service provider, and further wherein the confirming that the cloud-base service has experienced an outage is based at least in part on the new content.

US Pat. No. 9,786,009

SYSTEM AND METHOD FOR ADMINISTERING A TELEMATICS-ENABLED TEST DRIVE DEALER PROGRAM

HARTFORD FIRE INSURANCE C...

1. A system comprising:
a telematics data acquisition device, comprising a processor, a GNSS receiver, an accelerometer and an OBD port interface,
configured at a dealership to collect telematics data of a vehicle sold by the dealership while the vehicle is in operation,
the processor configured to collect telematics data from the accelerometer at intervals, time and location stamp the collected
telematics data, and encrypt the collected telematics data;

a communications interface configured to:
receive encrypted telematics data collected and encrypted by the telematics data acquisition device, the telematics data including
vehicle diagnostics data collected from the OBD port interface and data collected by the GNSS receiver and the accelerometer
and indicative of operation of the vehicle for a monitoring period subsequent to and commencing substantially upon purchase
of the vehicle and continuing until completion of one of a period of time or driving of the vehicle a distance;

receive vehicle data indicating at least a make and a model of the vehicle sold by the dealership;
receive vehicle owner data related to a purchaser of the vehicle and collected at the dealership;
receive data indicative of an automobile insurance policy issued by a second insurer to the vehicle owner and covering the
vehicle, the data including a deductible amount under the policy;

provide the telematics data upon completion of the monitoring period, the telematics data indicative of operation of the vehicle
for the monitoring period, the vehicle data and the vehicle owner data to a computer processor of a computing device of a
first insurer;

receive, after completion of the monitoring period, an insurance quote from the computer processor of the computing device
of the first insurer, the insurance quote being for the purchaser and for coverage of the vehicle; and

transmit the insurance quote for the purchaser of the vehicle; and
a computing device of the first insurer in communication with the communications interface, the computing device comprising
a computer processor configured to:

receive the telematics data, the vehicle data and the vehicle owner data from the communications interface;
determine, upon completion of the monitoring period, the insurance quote for the purchaser for the coverage of the vehicle
based on at least the received telematics data, the received vehicle data, and the received vehicle owner data;

access data indicative of one or more conditions associated with a predetermined incentive provided to the purchaser in return
for allowing the telematics data acquisition device to collect the telematics data, the predetermined incentive being an offer
to pay at least a portion of the deductible amount for a claim filed with the second insurer under the insurance policy issued
by the second insurer, during the monitoring period, and determine, based on the received telematics data, whether the one
or more conditions have been met;

responsive to determining that the one or more conditions have been met, provide output data indicative that the at least
a portion of the deductible amount will be covered by the first insurer; and

analyze the received vehicle diagnostics data and data indicative of distance traveled to determine at least one of: the vehicle
is malfunctioning; and the vehicle needs service, and responsive to determining at least one of the vehicle is malfunctioning
and the vehicle needs service, generate an alert and communicate the alert to a communications device of the vehicle owner;

wherein configuring the telematics data acquisition device comprises installing a telematics data acquisition application
on a smartphone owned by the purchaser, the telematics data acquisition application configuring the smartphone to acquire
the telematics data and transmit the telematics data via a wireless communications pathway.

US Pat. No. 9,081,881

COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR USE IN LOAD TESTING OF SOFTWARE APPLICATIONS

HARTFORD FIRE INSURANCE C...

1. A computer system for use in load testing a service-oriented architecture (SOA) service, comprising:
a processor; and
a memory storage device in communication with the processor, the memory storage device storing processor-executable instructions
which, when executed by the processor, cause the processor to:

prompt a user via a user-interface for an Extensible Markup Language (XML) message including an XML document, an address for
a service to be tested, and an action, the action compliant with a protocol for exchanging structured information in a decentralized,
distributed environment and associated with the service, wherein the XML message carries information related to an insurance
claim, the information related to the insurance claim comprising identification of an insured, identification of the claim,
and a digital photograph related to the claim;

receive, in response to said prompt, user input including the XML message, the address for the service to be tested, and the
action compliant with the protocol for exchanging structured information in the decentralized, distributed environment and
associated with the service;

create and store in memory a template message package based on said user input and compliant with the protocol;
create a populated message package compliant with the protocol by incorporating in the template message package the XML message,
the address and the action;

establish a connection to the service and furnish one or more documents and attachments to the service;
receive a response from the service; and
execute a virtual user generator program for generating test scripts based on the documents furnished to the service from
the user interface and the reply from the service;

wherein the receipt of user input of the XML message, the address for the service to be tested and the action is sufficient
for the system to create the populated message package.

US Pat. No. 10,129,237

SYSTEM AND METHOD INVOKING SECURITY AND PROFILE UTILITIES FOR GLOBAL ACCOUNT REGISTRATION

HARTFORD FIRE INSURANCE C...

1. A system for processing electronic access requests to a plurality of computerized back-end services operating on a plurality of distinct computer platforms, the system comprising:a front-end computing system connected to the plurality of computerized back-end services by a data network, the front-end computing system including:
a network interface configured to communicate with a user computing device located remotely to the system and the plurality of computerized back-end services operating on the plurality of distinct computer platforms,
a profile utility including a merge or link service and a role management service; and
a security utility including an information collection service, and a data verification service;
wherein the front-end computing system is configured to:
receive, by a call from one of the plurality of computerized back-end services, via the security utility, a registration request for a user identity; and
in response to the registration request:
invoke, by the security utility, the information collection service to collect one or more secure information items associated with the user identity;
invoke, by the security utility, the data verification service to determine, based on the one or more collected secure information items associated with the user identity, a verification score, and responsive to determining that the determined verification score exceeds a threshold value, register a global user account for the user identity;
invoke, by the profile utility, the merge or link service to query the plurality of computerized back-end services to determine whether one or more pre-existing user accounts have been created corresponding to the user identity, and, responsive to identification of the one or more pre-existing user accounts by the computerized back-end services, merge or link the identified one or more pre-existing user accounts for the plurality of computerized back-end services with the global user account; and
invoke, by the profile utility, the role management service, to determine a plurality of roles for the user identity in relation to each of one or more computerized back-end services associated with the global user account.

US Pat. No. 10,069,758

PROCESSING SYSTEM RESPONSIVE TO ANALYSIS FILTER CRITERIA

Hartford Fire Insurance C...

1. A system to facilitate an allocation of resources for an enterprise system via an automated back-end application computer server, comprising:(a) a historical request data store containing electronic records representing a plurality of historical requests and, for each historical request, a set of analysis variables including:
a request description,
resource allocation data, and
at least one outcome indication;
(b) an automated outcome tracker system computer programmed to:
(i) retrieve the electronic records from the historical request data store,
(ii) catalogue a subset of the electronic records, based on the at least one outcome indication for each electronic record, as representing positive outcomes, and
(iii) output information about the catalogued subset of electronic records;
(c) an operator terminal adapted to provide an interactive graphical user interface display;
(d) the automated back-end application computer server, remote from the operator terminal, coupled to the automated outcome tracker system computer and the operator terminal, programmed to:
(iv) receive, from the operator terminal through a distributed communication network, a set of analysis filter criteria comprising indications of a plurality of analysis variables entered via the interactive graphical user interface display,
(v) access the electronic records from the historical request data store and receive the information about the catalogued subset of electronic records from the automated outcome tracker system computer,
(vi) based on the analysis filter, resource allocation analysis variables, and catalogued subset of electronic records, calculate impactability scores, and
(vii) transmit indications of the impactability scores to be provided via the interactive graphical user interface display; and
(e) a communication port coupled to the back-end application computer server to facilitate an exchange of electronic messages associated with the interactive graphical user interface display via the distributed communication network.

US Pat. No. 10,057,313

SYSTEM TO DYNAMICALLY ADJUST REQUEST VALUES AT A BACK-END APPLICATION SERVER

Hartford Fire Insurance C...

1. A system to improve an accuracy of information generated by a back-end application computer server, comprising:(a) a communication port to facilitate receipt of a plurality of data streams of electronic messages, each data stream being received from one of a plurality of remote third-party administrator computer servers via a distributed communication network;
(b) a data stream computer store to store information received in the data streams of electronic messages;
(c) a rules computer store to store different sets of pre-determined rules for different third-party administrator computer servers;
(d) the back-end application computer server, coupled to the communication port, the data stream computer store, and the rules computer store, programmed to:
(i) receive from the data stream computer store information associated with a set of requests from a first third-party administrator computer server, each request being associated with a request value,
(ii) retrieve from the rules computer store a first set of pre-determined rules for the first third-party administrator computer server,
(iii) automatically apply the first set of pre-determined rules to the set of requests from the first third-party administrator computer server, said application resulting in at least one adjusted request value for the set of requests and an overall value based at least in part on the request values and the adjusted request value associated with the set of requests,
(iv) automatically transmit a settlement instruction, including the overall value, to an electronic transaction system,
(v) render a transaction activity report display via a remote computer device, associated with the first third-party administrator computer server, including information about the set of requests, the at least one adjusted request value along with an indication of a reason for the adjustment, and the overall value, and
(vi) as a result of application of the first set of pre-determined rules, automatically transmit a flag to an electronic messaging communication server;
(e) the electronic transaction system to receive the settlement instruction and to execute a settlement transaction in accordance with the overall value; and
(f) the electronic messaging communication server to receive said flag, and as a result of receiving said flag, trigger an electronic notification from the electronic messaging communication server to the remote computer device associated with the first third-party administrator computer server.

US Pat. No. 9,969,612

MICROELECTROMECHANICAL ACCELEROMETER BASED SENSOR SYSTEM

Hartford Fire Insurance C...

1. A Micro-Electro-Mechanical-System (“MEMS”) based method for detecting and analyzing activity levels, comprising:collecting, by a wearable MEMS sensor, user activity data of a user wearing the MEMS sensor;
wirelessly transmitting, from a transceiver of the wearable MEMS sensor to a mobile electronic device, the collected user activity data, wherein the mobile electronic device is adapted to display the user activity data;
forwarding, from the mobile electronic device to a data adapter of a remote server system device via a wireless router, the collected user activity data;
analyzing, by the remote server system device, the user activity data to determine an associated activity classification, each activity classification corresponding to a pre-determined condition and an associated condition benefit;
automatically generating, by a computer processor of the remote server system device, an exception condition for an investigator upon detection of a potential fraudulent condition based on a comparison of the sensed user activity data with a historical profile of that particular user's past activities and a predictive model; and
transmitting instructions, from the mobile electronic device to the MEMS sensor, to vary a sampling condition of the MEMS sensor in response to the determined activity classification.

US Pat. No. 9,940,674

SYSTEM AND METHOD FOR PROVIDING INSURANCE COVERAGE RECOMMENDATIONS

Hartford Fire Insurance C...

1. A system for delivering Web pages to Web browsers, comprising:a computer server including a storage unit and a recommendation server, the recommendation server comprising a data input/output module, a communication module, a graphical user interface module, and a third party data module;
wherein the communication module is connected to a communications network, the communication module being in communication with at least one remote device and a plurality of external databases via the communications network;
wherein the third party data module communicates with the plurality of external databases to receive coverage guidelines for one or more coverage parameters for a property/casualty insurance policy in a plurality of states;
wherein the storage unit stores the coverage guidelines for the plurality of states in a table;
wherein the graphical user interface module renders the dynamic web-based graphical user interface on the at least one remote device, the dynamic web-based graphical user interface including a plurality of dynamic visual sliders;
wherein the data input/output module communicates with the at least one remote device to receive state residence information via the dynamic web-based graphical user interface;
wherein the recommendation server identifies selected stored coverage guidelines from the table corresponding to the received state residence information;
wherein the data input/output module communicates with the at least one remote device to receive financial information about a consumer's income and another class of assets via the plurality of dynamic visual sliders of the dynamic web-based graphical user interface;
wherein the recommendation server assigns a relative weight to the consumer's income and other class of assets;
wherein the recommendation server generates one or more recommended values for the one or more coverage parameters for the property/casualty insurance policy based at least in part on the financial information about the consumer's income and other class of assets received from the at least one remote device, the relative weight assigned to the consumer's income and other class of assets, and the identified coverage guidelines from the table corresponding to the received state residence information; and
wherein the graphical user interface module displays on the dynamic web-based graphical user interface the financial information about the consumer's income and other class of assets received from the at least one remote device;
wherein the graphical user interface module displays on the dynamic web-based graphical user interface the recommended values for the one or more coverage parameters for the property/casualty insurance policy generated by the computer server;
wherein the recommendation server updates the display of the financial information about the consumer's income and other class of assets on the dynamic web-based graphical user interface based on changes to the financial information received from the at least one remote device; and
wherein the recommendation server updates the display of the recommended values for the one or more coverage parameters on the dynamic web-based graphical user interface based on changes to the consumer's financial information and/or the consumer's state residence information received from the at least one remote device.

US Pat. No. 9,824,398

SYSTEM AND METHOD FOR IP-ADDRESSABLE DEVICES

Hartford Fire Insurance C...

1. A computer system for monitoring IP-addressable devices connected by a local area network (LAN) to a communications base
station at a property, comprising:
one or more data storage devices storing a database configured to store asset data for assets corresponding to the IP-addressable
devices connected to the LAN at the property;

one or more computer processors in communication with the one or more data storage devices;
a communications device configured to communicate with the one or more computer processors, the one or more data storage devices,
and a plurality of communications base stations connected to a plurality of LANs which are connected to a plurality of IP-addressable
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:

responsive to a request from a user computer connected to the communications base station at the property, transmit, by the
communications device to the user computer, user computer program instructions for controlling an exchange of data between
the communications device, the communications base station, and one or more IP-addressable devices connected to the communications
base station via the LAN, wherein each of said one or more IP-addressable devices are configured to, upon connection to the
LAN, identify their existence to the LAN and other IP-addressable devices connected to the LAN, and provide to the communications
base station an XML formatted message including a description of the respective IP-addressable device and a description of
services provided by the IP-addressable device;

responsive to installation of the user computer program instructions, receive, by the communications device from the communications
base station, registration data corresponding to the one or more IP-addressable devices connected to the communications base
station via the LAN, the registration data based on the XML formatted messages provided to the communications base station
by each of the one or more IP-addressable devices; and

responsive to receipt of the registration data for an IP-addressable device which poses a significant physical risk to the
property, automatically execute a notice procedure to generate a message to the user computer including data indicative of
the risk.

US Pat. No. 9,800,427

SYSTEM AND METHOD FOR DISTRIBUTING ELECTRONIC AND PAPER DOCUMENTS AS PER CUSTOMER CONSENT

HARTFORD FIRE INSURANCE C...

1. A web-based system for enterprise distribution of electronic and paper documents to a plurality of users, the system comprising:
a consent interface that includes:
a memory device configured to store policy information for multiple insurance products associated with each of a plurality
of clients;

the memory device further configured to store document delivery settings for each of the multiple insurance products, the
document delivery settings including contact information and notification/alert preferences;

a processor, operably coupled to the memory device, configured to generate a plurality of document delivery questions, the
questions relating to the preferred medium for notification and alert documents for each of the multiple insurance products;

a receiver configured to receive a response to the document delivery questions from a user device and to store the response
to the document delivery questions in the memory device; and

on a condition that the response to the document delivery questions indicates a change from paper documents to electronic
documents, the processor further configured to generate consent questions, wherein the generated consent questions are provided
in a message that at least identifies the type of the multiple insurance products to include electronic delivery and at least
two types of electronic delivery available for selection and confirm consent to deactivate paper notification for notification/alert
preferences for that type of the multiple insurance products;

a consent generator configured to update web-based system to set the communication setting for at least the first and the
second of the multiple insurance products based on the response to the document delivery questions and the consent questions,
identify user consent, and generate the confirmation for the user, and on a condition that the confirmation is generated,
provide the generated confirmation to the consent interface; and

a publishing system including a communication generator, a consent confirmer, and a communications interface, wherein:
the communication generator configured to generate an electronic document to be delivered to at least one of the plurality
of users;

the consent confirmer, via a transmitter, transmits a message to at least one of the plurality of clients, the message notifying
the at least one of the plurality of clients of the change in the document delivery settings and the consent confirmer transmitter
transmits a message to a source system, the message notifying the source system of the change in document delivery settings;
and
the communications interface including a transmitter configured to receive information from the consent confirmer, electronically
deliver the document in accordance with the communication settings, and a processor configured to determine whether the documents
were received by receiving feedback information that the document was successfully sent and received, wherein the processor
is further configured to determine that a message sent to an email address associated with a client was not received or received
in error based on a hard bounce or a soft bounce.

US Pat. No. 9,786,012

CALIBRATED UNDERWRITING SYSTEM

HARTFORD FIRE INSURANCE C...

1. A system including a data sharing architecture, comprising:
a communication device to receive account information in connection with a potential insurance policy;
a computer storage unit for receiving, storing, and providing data indicative of the account information;
a risk database storing a plurality of risk variables associated with a plurality of insured parties;
a risk score portal including an account score engine and a plurality of risk score model applications, each risk score model
application corresponding to a different policy type and configured to generate an account score matrix for the potential
insurance policy, including grade values comparing the account information to stored account information of other insured
parties, along with a benchmark premium value calibrated to a target return on equity based on the account information and
information in the risk database;

a premium indication portal processor in communication with the communication device, the storage unit, and the risk database,
wherein the premium indication portal includes a plurality of premium indication model applications, each premium indication
model application corresponding to a different policy type, and wherein the premium indication portal processor configured
to:

receive, from the risk score model application based upon the risk score model application corresponding to the policy type,
the account score matrix for the potential insurance policy;

render, for display on an underwriter device, a premium indication portal including:
an accounts summary tab, selectable by a user, configured to display, upon selection, a summary page for a particular account
including a display of the received account score matrix and a display of the grade values comparing the account information
to stored account information of other insured parties, along with the benchmark premium value calibrated to the target return
on equity based on the account information and the information in the risk database; and

a plurality of premium indication model application tabs, each premium indication model application tab corresponding to a
different policy type and including a display of a plurality of dynamically generated guide evaluation adjustment sliders
configured to permit selective adjustment of a plurality of guide evaluation factors, wherein a minimum and a maximum adjustment
permitted by each of the plurality of dynamically generated guide evaluation adjustment sliders is dynamically modifiable
based upon adjustments selected for other of the plurality of guide evaluation factors;

receive, from the underwriter device, guide evaluation adjustments for one or more of the plurality of guide evaluation factors;
responsive to receipt of the guide evaluation adjustments, dynamically modify one or both of the minimum and maximum adjustment
permitted by one or more of the other plurality of exposure factors;

automatically calculate, by a premium indication model application corresponding to the policy type, an adjusted premium value
calibrated to the target return on equity based at least in part on the guide evaluation adjustments;

store the adjusted premium value in association with the account information; and
render, for display on the premium indication portal on the underwriter device, a cost and price page which includes the adjusted
premium value.

US Pat. No. 9,705,695

SENSORS AND SYSTEM FOR ACCESSING AND VALIDATING SENSOR DATA

HARTFORD FIRE INSURANCE C...

1. A dynamic building control system having a plurality of sensor units for detecting one or more conditions associated with
one or more building components, the system, comprising:
a plurality of sensor units electrically connected to one or more building components, the sensor units comprising at least
one or more of ultraviolet (UV), infrared (IR), multi-spectrum infrared (MSIR), and visual flame imaging, wherein the sensor
units detect a plurality of condition states within certain regions of a building structure, wherein the sensor units generate
electronic signals corresponding to a plurality of sensed condition states within a building structure;

a wireless network in communication with the sensor units; and
an electronic control center, wherein the control center receives the electronic signals over the wireless network and transmits
data related to the electronic signals to a remote server system, the remote server system augmenting the received data with
auxiliary data from one or more third party auxiliary data sources including monitoring service enrollment data indicative
of current enrollment in monitoring services provided by one or more third party monitoring services currently monitoring
one or more of the plurality of sensor units, the remote server system further associating the augmented data comprising the
received data and the auxiliary data with one or more building properties in order to modify one or more stored parameters
associated with the building properties.

US Pat. No. 10,628,456

UNIVERSAL ANALYTICAL DATA MART AND DATA STRUCTURE FOR SAME

HARTFORD FIRE INSURANCE C...

1. A system to allow data from disparate sources to be integrated, enabling streamlined business intelligence, reporting and ad hoc analysis, the system comprising:a plurality of different data sources providing data including a plurality of data points stored in a plurality of storage devices;
at least one processor for processing data from each of the plurality of different data sources by processing dimensional and fact attributes from each of the plurality of data points wherein the fact attributes are measurable attributes of the data points and the dimensional attributes are descriptors of the fact attributes; and
a database for storing the processed dimensional and fact attributes from each of the plurality of data points as data in tables in a datamart and linking the fact attributes back to the provided data including the plurality of data points from the plurality of different data sources,
wherein the data in the datamart provides multiple frames of reference including at least two of people, places, objects, and events by accessing a fact table for one of the multiple frames of reference by providing access to the dimensional tables providing descriptors to the accessed fact table and access the linked provided data including the plurality of data points.

US Pat. No. 10,367,918

SYSTEM TO DYNAMICALLY ADJUST REQUEST VALUES AT A BACK-END APPLICATION SERVER

HARTFORD FIRE INSURANCE C...

1. A system to improve an accuracy of information generated by a back-end application computer server, comprising:(a) a communication port to facilitate receipt of a plurality of data streams of electronic messages, each data stream being received from one of a plurality of remote third-party administrator computer servers via a distributed communication network;
(b) a data stream computer store to store information received in the data streams of electronic messages;
(c) a rules computer store to store different sets of pre-determined rules for different third-party administrator computer servers;
(d) the back-end application computer server, coupled to the communication port, the data stream computer store, and the rules computer store, programmed to:
(i) receive from the data stream computer store information associated with a set of requests from a first third-party administrator computer server, each request being associated with a request value,
(ii) retrieve from the rules computer store a first set of pre-determined rules for the first third-party administrator computer server,
(iii) automatically apply the first set of pre-determined rules to the set of requests from the first third-party administrator computer server, said application resulting in at least one adjusted request value for the set of requests and an overall value based at least in part on the request values and the adjusted request value associated with the set of requests,
(iv) automatically transmit a settlement instruction, including the overall value, to an electronic transaction system, and
(v) as a result of application of the first set of pre-determined rules, automatically transmit a flag to an electronic messaging communication server;
(e) the electronic transaction system to receive the settlement instruction and to execute a settlement transaction in accordance with the overall value; and
(f) the electronic messaging communication server to receive said flag, and as a result of receiving said flag, trigger an electronic notification from the electronic messaging communication server to the remote computer device associated with the first third-party administrator computer server.

US Pat. No. 10,338,785

PROCESSING SYSTEM FOR MULTIVARIATE SEGMENTATION OF ELECTRONIC MESSAGE CONTENT

Hartford Fire Insurance C...

1. A system to launch electronic messages via a distributed communication network by an automated back-end application computer server, comprising:(a) a periodic data feed source input;
(b) a communication port to facilitate a transmission of a series of related electronic messages over a period of time to a set of electronic destination communication addresses via the distributed communication network;
(c) a data store containing electronic files associated with a current message content, a first modified message content, and a second modified message content; and
(d) the back-end application computer server, coupled to the periodic data feed source input, the communication port, and the data store, having a computer processor and a computer memory storing instructions to be executed by the computer processor such that the computer processor is programmed to:
(i) for each electronic message in the series, create, based on information from the periodic data feed source input, a database import table associated with the set of electronic destination communication addresses,
(ii) for each electronic message in the series, automatically, randomly, and dynamically split the set of electronic destination communication addresses into multivariate segments, including at least:
a current message content subset,
a first modified message content subset, and
a second modified message content subset,
(iii) automatically launch the current message content, the first modified message content, and the second modified message content to electronic destination communication addresses as appropriate in accordance with the multivariate segments,
(iv) create a results log based on computer implemented responses to the current message content, the first modified message content, and the second modified message content, and
(v) transmit indications associated with the results log to generate an interactive user interface display.

US Pat. No. 10,127,197

ENHANCED DATA TRANSFER SYSTEM

Hartford Fire Insurance C...

10. A computer implemented data transfer method, comprising:receiving, at a gateway computer system, via an external network connected to the gateway computer system via a firewall device, from a remote computer system, an electronic file, wherein the file includes data comprising a plurality of data elements in structured format, on a remote storage device, the data being in any one of a plurality of formats, and related to a transaction for processing via a backend transaction processing computer system in communication with the gateway computer system via a local network;
receiving, by the gateway computer, via the external network, mapping data, wherein the mapping data comprising data mapping each of a plurality of data fields to data identifiers among the data elements within the file;
mapping, by the gateway computer, using the received mapping data, the data elements from the electronic file to a document in a predetermined format;
determining, by the gateway computer, whether the mapped data elements constitute all required data for processing of the transaction via the backend transaction processing computer system;
responsive to determining that the mapped data elements do not constitute all required data for processing of the transaction via the backend transaction processing computer system, rendering, by the gateway computer, on a display of one or more of the remote computer systems, one or more prompts for input of data; and
responsive to determining that the mapped data elements constitute all required data for the transaction for processing via the backend transaction processing computer system, transmitting, by the gateway computer, the document via the local network to the backend transaction processing computer.

US Pat. No. 9,830,661

SYSTEM AND METHOD FOR PROCESSING ENHANCED COVERAGE QUOTATIONS

Hartford Fire Insurance C...

1. A computer system, the system comprising:
a web site computer system comprising one or more processors, a memory coupled to the one or more processors, and one or more
programs stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising
a web application module employing a server-side scripting language to generate web pages and a hypertext transfer protocol
server module communicating web pages generated by the web application module and related data with client devices, the web
application module and the hypertext transfer protocol server module, the instructions causing the one or more processors
to perform the steps of:

generating for display on and communicating to a client device a web document, to cause the client device to execute a browser
module to display the web document comprising an enhanced coverage option selection screen area displaying a plurality of
user-selectable enhanced coverage options corresponding to at least a first tier and a second tier of enhanced coverage option
selections, selectable to transmit a selection to the web site computer system;

receiving data indicative of an enhanced coverage option selection input via the web document from the graphical user interface;
causing the browser module to, in a separate non-overlapping enhanced coverage example screen area, cause a sub-module to
display on the client device, responsive to user selection of the first tier of enhanced coverage option selections, a plurality
of alternating images including an image of a damaged property and an image of the damaged property after repair and upgrade
according to universal design principles in accordance with the first tier of enhanced coverage, and responsive to user selection
of the second tier of enhanced coverage option selections a plurality of alternating images including an image of a damaged
property and an image of the damaged property after repair and upgrade according to universal design principles in accordance
with the second tier of enhanced coverage, on a graphical user interface, the first tier enhanced coverage option and the
second tier enhanced coverage option each providing, responsive to a loss covered under the base homeowners insurance policy,
the loss affecting a room of the home covered under the base homeowners insurance policy, upgrade coverage based on universal
design principles for the affected room, the upgrade coverage providing one or more improvements to the affected room, the
one or more improvements being in accordance with universal design principles;

outputting data indicative of the enhanced coverage option selection to a network;
receiving, via the network, responsive to the outputting of the data indicative of the enhanced coverage option selection,
data indicative of a determined premium; and

generating a web document incorporating the determined premium and a link to initiate payment of the determined premium, and
communicating the web document to the client device for display; and

an insurance data system comprising a premium calculation module comprising one or more processors, a memory in communication
with the processors and storing processor-executable instructions, which cause the one or more processors to perform the steps
of:

receiving from the web site system data indicative of the enhanced coverage option selection;
storing the enhanced coverage option selection in a storage device;
determining a premium for the enhanced coverage option selection; and
communicating, via a communications network, the determined premium for the enhanced coverage option selection to the web
site system for generating a web document incorporating the determined premium;

whereby an approved claim under a policy associated with the determined premium results in an output message providing for
one or more improvements to the affected room in accordance with universal design principles.

US Pat. No. 9,721,037

DATA STREAM CONVERTER

HARTFORD FIRE INSURANCE C...

1. A computer-implemented method for converting a received data stream from XML (Extensible Markup Language) format to an
electronic data interchange (EDI) format, the EDI format being based on hierarchies, the method being executed by one or more
processors, comprising:
by a first computer system, receiving a data stream in XML format, the data stream including a transaction type identifier;
by the first computer system, accessing a first translation tool corresponding to the transaction type identifier, and, using
the accessed first translation tool, translating the received data stream to an intermediate data format having a plurality
of tags, the tags incorporating sequence data, including one or more tags incorporating group delimiters and one or more tags
incorporating transaction group identifiers;

by the first computer system, accessing a second translation tool corresponding to the transaction type identifier, and translating
the data stream in the intermediate data format to the EDI format based on hierarchies, employing the sequence data to format
the data in the EDI format based on hierarchies, the formatting of the data stream in the EDI format based on hierarchies
including arranging of alphanumeric data elements independent of font, and designation of delimiter data groups and transaction
data groups arranged between the delimiter data groups using the one or more of the group delimiters and transaction group
identifiers; and

by the first computer system, providing the data stream in the EDI format based on hierarchies for output to a computing device.

US Pat. No. 9,721,231

COMPUTER SYSTEM FOR PROCESSING DATA FROM A PLURALITY OF REMOTE INPUT DEVICES FOR TRANSMISSION TO A THIRD-PARTY COMPUTER

HARTFORD FIRE INSURANCE C...

1. A computer system for transforming data from a plurality of remote scanning services corresponding to paper claims documents,
for processing by third party computer systems, comprising:
a payment processing system configured to process payments for workers' compensation claims based on data received from a
third party application service provider bill adjudication system;

a pre-processing system configured to:
receive, by a pre-processing communications device, images corresponding to workers' compensation claims from an image repository
database;

verify, for each of the workers' compensation claims, whether the claim is eligible for coverage; and
responsive to a negative verification for ones of the workers' compensation claims, generate claim verification work requests
for each of the ones of the workers' compensation claims; and

responsive to a positive verification for other ones of the workers' compensation claims, transmit by the pre-processing communications
device to the data exchange server, data corresponding to the other ones of the workers' compensation claims;

a data exchange server including plug and play components, the data exchange server interposed between care provider bill
input devices and the third party application service provider adjudication system, and communicatively coupled to the payment
processing system, configured to:

receive, by a data exchange communications device from scanning service systems, images corresponding to paper workers' compensation
claims forms;

store, by the data exchange communications device, the images corresponding to the workers' compensation claims in the image
repository;

receive, by the data exchange communications device from the pre-processing communications device, data indicative of a first
workers' compensation claim and data indicative of a second workers' compensation claim, wherein the first workers' compensation
claim and the second workers' compensation claim correspond to the other ones of the workers' compensation claims verified
by the pre-processing system;

determine a first geographic location associated with the data indicative of the first workers' compensation claim;
determine a second geographic location associated with the data indicative of the second workers' compensation claim;
select, based on the first geographic location, from a database in a data storage device storing a plurality of claims processing
requirements corresponding to a plurality of geographic locations, a first claims processing requirement for the data indicative
of the first workers' compensation claim;

select, based on the second geographic location, from the database storing a plurality of claims processing requirements corresponding
to a plurality of geographic locations, a second claims processing requirement for the data indicative of the second workers'
compensation claim; and

transform the data indicative of the first workers' compensation claim in accordance with the first claims processing requirement
and convert the transformed first worker's compensation claim data to an extensible markup format;

transform the data indicative of the second workers' compensation claim in accordance with the second claims processing requirement
and convert the transformed second worker's compensation claim data to an extensible markup format;

periodically transmit, by the data exchange communications device in a batch process, transformed data indicative of workers'
compensation claims including the transformed data indicative of the first workers' compensation claim in the extensible markup
format and the transformed data indicative of the second workers' compensation claims in the extensible markup format to a
third party application service provider claim adjudication computer;

receive, from the third party application service provider claim adjudication computer, data indicative of whether the first
workers' compensation claim should be paid and data indicative of whether the second workers' compensation claim should be
paid; and

transmit, to the payment processing system, the data indicative of whether the first workers' compensation claim should be
paid and the data indicative of whether the second workers' compensation claim should be paid; and

one or more reporting systems configured to:
receive, by a reporting system communications device from the data exchange communications device, the workers' compensation
claims data; and

generate, based on the workers' compensation claims data, one or more of claims financial reports, actuarial services data,
and preferred provider organization bulk bill reporting.

US Pat. No. 9,672,569

SYSTEM AND METHOD FOR ACTUAL AND SMARTPHONE TELEMATICS DATA BASED PROCESSING

HARTFORD FIRE INSURANCE C...

1. A computer system comprising:
a data storage device for storing data indicative of preliminary telematics data collected by a smartphone associated with
a vehicle;

a computer processor in communication with the data storage device; and
a memory, coupled to the computer processor, storing program instructions for execution by the computer processor to:
receive, before an insurance policy for the vehicle has been issued to the driver, the preliminary telematics data collected
by the smartphone associated with the vehicle;

determine, based on the preliminary telematics data received from the smartphone, an initial insurance policy benefit to be
applied upon issuance of the insurance policy;

responsive to receipt of data indicative of an agreement to participate in a telematics program from a driver, issue the insurance
policy to the driver in accordance with the initial insurance policy benefit;

receive, after the insurance policy for the vehicle has been issued to the driver, data corresponding to actual telematics
data collected after the issuance of the insurance policy by a data collection device within the vehicle, the actual telematics
data comprising geo-position information of the vehicle and vehicle kinematics data for the vehicle received from a data collection
device in the vehicle other than the smartphone;

determine whether the data corresponding to the actual telematics data meets a pre-determined condition;
responsive to a determination that the data corresponding to the actual telematics data meets the pre-determined condition:
determine, based on the data corresponding to the actual telematics data, a final insurance policy benefit, wherein the final
insurance policy benefit may be greater or less than the initial insurance policy benefit depending on driving habits reflected
by the actual telematics data; and

output an indication of the final insurance policy benefit for the insurance policy.

US Pat. No. 10,713,729

SENSOR SYSTEMS AND METHODS FOR ACTIVITY EVALUATION

Hartford Fire Insurance C...

1. An activity evaluation system, comprising:a communications device configured to receive remote sensor data based on at least one sensor proximate to an individual associated with and distinct from a covered entity;
a data storage device storing at least one activity guideline associated with the individual;
a computer hardware server, in communication with the communications device and the data storage device, and operated by a risk management entity remote from the at least one sensor, configured to:
analyze the received sensor data to determine activity characteristics of the individual;
output an activity evaluation based on the activity characteristics and the at least one stored activity guideline;
adjust data corresponding to a parameter of a risk management policy covering the covered entity based on the sensor data and the activity evaluation, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of conformance by the individual with the at least one activity guideline; and
responsive to the activity evaluation being indicative of non-conformance by the individual with the at least one activity guideline, transmit an alert to a computing device of the covered entity.

US Pat. No. 10,305,972

SYSTEM FOR PROVIDING AN ISOLATED TESTING MODEL FOR DISASTER RECOVERY CAPABILITIES

Hartford Fire Insurance C...

1. A system for providing an isolated testing configuration for disaster recovery capabilities, comprising:a primary network comprising a first data server and a first service server that provide one or more users access to critical data and critical services;
a streamlined backup network comprising a second data server and a second service server that also provide the one or more users access to the critical data and the critical services; and
an isolation appliance comprising one or more switches establishing an external network connection between the primary network and the streamlined backup network;
wherein the system is switched between
a production mode wherein the primary network and the streamlined backup network form a live production environment wherein the streamlined backup network provides the one or more users backup access to the critical data and the critical services in the event the primary network is unable provide access to the critical data and the critical services, and
a test mode wherein the streamlined backup network is removed from the live production environment by logically isolating the streamlined backup network from the primary network such that backup access to the critical data and the critical services on the streamlined backup network is tested without inhibiting the operation of the primary network;
wherein, when the system is in the test mode, the isolation appliance prevents the second data server and the second service server from communicating with the primary network by physically disconnecting the external network connection at the isolation appliance to physically isolate the streamlined backup network from the primary network when the streamlined backup network is in the test mode; and
wherein the second data server and the second service server have the same configuration in the test mode and in the production mode.

US Pat. No. 10,127,019

SYSTEM TO COORDINATE SOURCE CODE MODULE CHANGES

Hartford Fire Insurance C...

1. A system to coordinate source code module changes via an automated back-end module coordination system computer server, comprising:(a) an enterprise source code repository data store including a plurality of source code module components;
(b) a communication interface to facilitate an exchange of electronic messages, including messages exchanged via a distributed communication network, supporting interactive user interface displays at remote developer devices; and
(c) the back-end module coordination system computer server, coupled to the enterprise source code repository data store and the communication interface, programmed to:
(i) access an electronic work request record, the work request record being associated with a work request identifier, a release date, and at least a first source code module component in the enterprise source code repository data store,
(ii) establish, via a first remote developer device associated with a first developer identifier, a first interactive user interface display including individual lines of code from the first source code module component, wherein each line of code that has been changed since a previous release of the first source code module component is tagged with an associated work request identifier and is graphically provided in association with a developer identifier,
wherein the first interactive user interface display reflects all changes dynamically that have been made since the previous release of the first source code module component, including those associated with other developer identifiers and multiple release dates,
(iii) associate the first source code module component with a current module lock status comprising one of: an open edit state during which developers can edit the first source code module component, a closed edit state during which at least some developers cannot edit the first source code module component, and a compiling state indicating that the first source code module component is being complied by the system,
(iv) associate the first source code module component with a frozen status indicating that tagged lines of code in the first source code module component cannot be edited,
(v) receive, via a second remote developer device associated with a second developer identifier, an initial attempt to edit an initial line of code in the first source code module component within the enterprise source code repository data store,
(vi) automatically determine that the initial line of code is tagged and, as a result, block the attempt to edit the initial line of code,
(vii) receive, via the second remote developer device, a subsequent attempt to edit a subsequent line of code in the first source code module component within the enterprise source code repository data store, and
(viii) automatically determine that the subsequent line of code is not tagged and, as a result, allow the edit of the subsequent line of code.

US Pat. No. 9,824,399

SECURE DATA VALIDATION SYSTEM

HARTFORD FIRE INSURANCE C...

1. A secure data validation system comprising:
an application server configured to:
obtain, by an insurance application server, from a database information corresponding to at least one current policyholder,
at least one property of the at least one current policyholder being covered under a property insurance policy offered by
an insurance company, wherein a portion of the information indicates that the at least one property of the at least one current
policyholder is receiving remote monitoring services from a service provider;

validate, by the insurance application server, more than once during a term of the property insurance policy, via data exchange
with a server of a trusted third party, that the at least one property of the at least one current policyholder is currently
receiving remote monitoring services from the service provider, the trusted third party not being either the insurance company
or the service provider, the trusted third party server further receiving policyholder data from the insurance company application
server and customer data from a server of the service provider and the validating being based on the received policyholder
data and customer data without the trusted third party server providing policyholder data to the service provider server,
and/or providing customer data of the service provider to the application server;

store, by the insurance application server, in the database, validation results received from the trusted third party server,
and

an insurance administration computer system in communication with the insurance application server configured to determine
an insurance policy adjustment to be given to the at least one current policyholder, responsive to a determination based on
the validation results and the portion of the information indicating receipt of remote monitoring services that the at least
one property of the at least one current policyholder is either (i) not currently receiving remote monitoring services from
the service provider or (ii) currently receiving remote monitoring services from the service provider different from the remote
monitoring services indicated in the portion of the information indicating receipt of remote monitoring services, and is configured
to determine that an insurance policy benefit provided to the policyholder remains unchanged responsive to a determination
based on the validation results and the portion of the information indicating receipt of remote monitoring services that the
at least one property of the at least one current policyholder is currently receiving remote monitoring services from the
service provider as indicated in the portion of the information indicating receipt of remote monitoring services.

US Pat. No. 9,672,492

SYSTEM AND METHOD FOR DISTRIBUTING INSURANCE SOCIAL MEDIA RELATED INFORMATION

HARTFORD FIRE INSURANCE C...

1. A system associated with an insurance enterprise affiliated with a plurality of insurance agents, comprising:
a data storage device configured to store agent data associated with the plurality of insurance agents and trigger event preference
data for a plurality of the insurance agents relating to one or more trigger events for automatic posting of information on
a plurality of social media networks associated with each of the plurality of insurance agents;

a communications device configured to communicate with the data storage device, with a plurality of devices of the plurality
of insurance agents, and with servers of the plurality of social media networks;

a computer processor for executing program instructions and for retrieving said data associated with the plurality of insurance
agents from the data storage device; and

a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to:
receive via the communications device registration information from the plurality of insurance agents, and
based on the received registration information, automatically transmit account creation information to the servers of the
plurality of social media networks, the account creation information configured to cause creation of a social media account
on each of a plurality of social media networks for each of the plurality of insurance agents;

receive via the communications device trigger event preferences from the plurality of insurance agents, wherein at least one
of the trigger event preferences from a first insurance agent comprises a first location based trigger event relating to a
location of the first insurance agent or a location of a potential customer of the first insurance agent, and wherein at least
one of the trigger event preferences from a second insurance agent comprises a second location based trigger event relating
to a location of the second insurance agent or a location of a potential customer of the second insurance agent;

store the trigger event preferences for the plurality of insurance agents in the data storage device;
detect an occurrence of the first location based trigger event in connection with the first insurance agent of the plurality
of insurance agents,

responsive to said detection, automatically transmit posting information to a first social media network server and to a second
social media network server, the posting information configured to cause the first social media network server to post the
posting information on the first social media network in relation to at least a first social media account for the first insurance
agent and configured to cause the second social media network server to post the posting information on the second social
media network in relation to at least a second social media account for the first insurance agent;

detect an occurrence of the second location based trigger event in connection with the second insurance agent of the plurality
of insurance agents, and

responsive to said detection, automatically transmit posting information to a first social media network server and to a second
social media network server, the posting information configured to cause the first social media network server to post the
posting information on the first social media network in relation to at least a first social media account for the second
insurance agent and configured to cause the second social media network server to post the posting information on the second
social media network in relation to a second social media account for the second insurance agent.

US Pat. No. 10,235,716

SYSTEM FOR GENERATING HISTORICAL HAIL EVALUATION DATA

Hartford Fire Insurance C...

1. A system associated with an insurance enterprise, the system comprising:a communication device to receive, from a remote requester device, a hail history score request;
an insurance computer system including:
an underwriting computer system;
a claim processing computer system; and
a hail history storage device configured to store (i) a hail history database including sensor-based hail data periodically received from a remote third-party weather reporting service, and (ii) a hail history request database including historical hail request data; and
a hail history server processor in communication with the communication device and coupled to the insurance computer system, wherein the processor is configured to:
periodically receive radar-based hail data from the third-party weather reporting service and store the radar-based hail data in the hail history database, wherein radar-based hail data includes hail size data calculated from the radar-based hail data;
render a hail history score request interface for display on the remote requestor device, the hail history score request interface including:
a hail location selector for selecting a type of geographic location data to be provided in the hail history score request, wherein the selectable types comprise one of address data, latitude/longitude data, and an electronic file including data for a plurality of locations;
a hail period date range input field; and
a hail size selector for selecting a minimum hail size to include in the hail history score;
receive, via the hail history score request interface from the remote requestor device, the hail history score request including the geographic location of the selected type, the hail period date range, and the selected minimum hail size;
responsive to the received hail history score request including the geographic location comprising the address data or the latitude/longitude data:
obtain latitude/longitude data for geographic location data comprising address data;
automatically access information in the hail history database of the hail history storage device based on the geographic location, a date range corresponding to the hail period date range, and the minimum hail size,
automatically evaluate the accessed information to calculate a hail history score value and determine whether to generate a fraud flag corresponding to one of (i) an underwriting decision, and (ii) a claims processing decision, and
transmit, to the remote requester device, historical hail evaluation data including the calculated hail history score value and, responsive to a positive determination to generate the fraud flag, the fraud flag; and
responsive to the received hail history score request including the geographic location comprising the electronic file including the data for the plurality of locations, obtain latitude/longitude data for geographic location data comprising address data and batch process the data for each of the plurality of locations to calculate a hail history score value and corresponding fraud flags, based upon information in the hail history database, for each of the plurality of locations;
wherein an anti-fraud wizard of the insurance processing system is configured to, responsive to receipt of a fraud flag, implement a workflow process to (i) obtain, by the underwriting system, a physical inspection of the property in relation to the underwriting decision relating to the property, and (ii) process a property damage claim for the property, on the claims processing system, based upon a possibility that a hail event did not occur with respect to the geographic location.

US Pat. No. 10,115,163

SYSTEM AND METHOD FOR IMPROVED INSURANCE CALL ROUTING AND PROCESSING

Hartford Fire Insurance C...

1. A system for generating an improved voice response interface comprising:one or more data storage devices storing a database having stored mapping between a plurality of different caller characteristic data and a plurality of initial option sets for prompting to entities in the interactive voice response processing system, and caller characteristic data corresponding to entities, the preliminary caller data comprising gender, age, occupation, primary language and prior leave history;
an interactive voice response server in communication with the database, the server having at least one processor configured for communication over a network and one or more memories; and
an interactive voice response application, stored in the one or more memories, having processor executable instructions, which instructions, when executed by the at least one processor, cause the at least one processor to:
receive an initial communication from an entity, including entity data, the initial communication including only automatically transmitted data, including one or more of originating number data, IP address data or device data;
access the caller characteristic data corresponding to the entity based solely on the automatically transmitted data,
based on the accessed caller characteristic data and the stored mapping data, determine an initial set of interactive voice response options, wherein at least one of the initial set of interactive voice response options determined based on the accessed caller characteristic data and the stored mapping data provides for a particular medical condition or leave type;
provide the determined initial set of interactive voice response options to be prompted by the interactive voice response data processing system;
receive an option selection from the entity from the initial set of interactive voice response options;
and
dependent on the received option selection, either provide (a) a predetermined subsequent set of interactive voice response options to be prompted by the interactive voice response data processing system, wherein the subsequent interactive voice response options include access to at least one combined short term disability and leave management resource and at least one clinical intake nurse resource, the short term disability and leave management resource and the clinical intake nurse resource in communication with at least one insurance claims based subsystem, or (b) route the entity to one of the at least one combined short term disability and leave management resource and at least one clinical intake nurse resource.

US Pat. No. 10,062,121

DYNAMIC PORTAL DASHBOARDS SYSTEM AND METHOD

HARTFORD FIRE INSURANCE C...

1. A system comprising:a communication device to receive account information in connection with a potential policy for an entity, the potential policy having a policy type;
a computer storage unit for receiving, storing, and providing data indicative of the account information;
a data storage device including a risk database storing a plurality of risk variables associated with a plurality of covered parties;
a risk score platform including an account score engine and a plurality of risk score model applications, each risk score model application corresponding to one of a plurality of different policy types and configured to generate an account score matrix for the potential policy for the entity, including grade values comparing the account information to stored account information of other covered parties, and a benchmark premium value calibrated to a target return on equity based on the account information and information in the risk database;
an account score application configured to:
receive, from an underwriter device, a selection of a quotation number corresponding to a policy quotation for data retrieval;
receive, from the underwriter device, a claim frequency corresponding to the policy quotation;
responsive to receipt of the quotation number selection and the claim frequency, generate, by the risk score model application corresponding to the policy type of the potential policy, the account score matrix for the potential policy;
launch a premium indication portal configured to provide a single access point to a plurality of premium indication model applications, each premium indication model application corresponding to one of the plurality of different policy types, wherein a premium indication portal processor is configured to:
render, for display on an underwriter device:
an accounts summary tab, selectable by a user, configured to display, upon selection, one or more summary pages corresponding to the policy quotation, the one or more summary pages including (i) a display of the account score matrix, (ii) a display of a risk score corresponding to the policy quotation, and (iii) a display of a benchmark input factor by line of business for each line of business of the entity;
a plurality of premium indication model application tabs, each premium indication model application tab individually selectable by the user and corresponding to a different policy type and including a display of a plurality of dynamically generated guide evaluation adjustment sliders configured to permit selective adjustment of a plurality of guide evaluation factors;
receive, from the underwriter device, guide evaluation adjustments input via one or more of the plurality of dynamically generated guide evaluation adjustment sliders for a corresponding one or more of the plurality of guide evaluation factors;
generate, based on the guide evaluation adjustments, an account premium summary; and
responsive to generation of the account premium summary, render, for display on the underwriter device a dashboards tab, selectable by the user, configured to display, upon selection, live dynamic dashboards displaying book statistics including at least two of: (i) a first graph depicting return on equity summary plotted over a period of time, (ii) a second graph depicting planned versus actual return on equity summary over multiple lines of business, (iii) a third graph depicting sold-to-benchmark premium summary over a period of time, (iv) a fourth graph depicting sold-to-guide premium summary over a period of time, (v) a fifth graph depicting sold-to-benchmark premium summary over multiple lines of business, and (vi) a sixth graph depicting sold-to-guide premium summary over multiple lines of business.

US Pat. No. 10,023,114

ELECTRONICS FOR REMOTELY MONITORING AND CONTROLLING A VEHICLE

HARTFORD FIRE INSURANCE C...

1. A system configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters, said system comprising:a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, the plurality of sensors selected from an accelerometer, speed, temperature, mileage, oil level, oil pressure, run-time and location sensors, each sensor generating a signal encapsulating the monitored vehicle parameter and transmitting the generated signal to a control unit;
the control unit that received the generated signal from each of a plurality of sensors, the control unit including a control unit memory that stores the received signal and selectively combines the received signal with other signals received from others of the plurality of sensors;
a transmitter coupled to the control unit capable of transmitting the combined signal;
a transceiver remote from the vehicle that receives a transmitted combined signal, and stores the combined signal in a memory unit, and a processor that processes the combined signal to capture the signal from each of the plurality of sensors, and compares the condition identified by the captured signals to received conditions from other vehicles and provides a signal to the transceiver to broadcast to the vehicle providing feedback to adjust the use of the vehicle based on the comparison, wherein the comparison of the condition utilizes a plurality of relativity factors, wherein each of the relativity factors is a numerical value generated based on the comparison of the condition for the vehicle to the conditions for other vehicles corresponding conditions; and
a user interface for providing feedback to a user including at least one indication associated with the signal.

US Pat. No. 9,984,422

COMPUTER SYSTEM FOR GENERATING KEYBOARDLESS DATA ENTRY INTERFACES ON REMOTE USER DEVICES

HARTFORD FIRE INSURANCE C...

1. A computer system, comprising:one or more data storage devices for storing data indicative of inputs received from a user device;
one or more computer processors in communication with the one or more data storage devices;
a communication interface device in communication with the one or more computer processors and the one or more data storage devices;
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:
generate a display of a data entry interface for display on a remote user device, the data entry interface including user selectable inputs that do not require keyboard-type information entry and include a plurality of option selections;
receive from the remote user device data indicative of data input in the data entry interface via the user selectable inputs that do not require keyboard-type information entry;
in response to detecting at least a user selection, via the user selectable inputs that do not require keyboard-type information entry, representative of a request for a quote for insurance, interrogate the remote user device for identifying information and initiate a request to a third party computer system for information relating to the user;
receive, in response to the interrogation, identifying information from the remote user device and, in response to the request, data indicative of the information relating to the user from the third party computer system;
provide, to an insurance data management system, the information conveyed by the option selections without requiring keyboard-type information entry on behalf of the user, the identifying information received in response to the interrogation and the data indicative of the information relating to the user received from the third party computer;
receive, in response to the providing, from the insurance data management system, an insurance quotation; and
output the insurance quotation to the remote user device for display.

US Pat. No. 9,940,677

SYSTEM AND METHOD FOR DETECTING POTENTIAL PROPERTY INSURANCE FRAUD

Hartford Fire Insurance C...

1. A method for assessing a condition of an insured property for insurance purposes, the method comprising the steps of:determining, by a computer server, a first spectral signature from a first spectral image of the insured property at a first timestamp;
determining, by the computer server, a second spectral signature from a second spectral image of the insured property at a second timestamp later than the first timestamp;
determining, by the computer server, a spectral difference between the first spectral signature and the second spectral signature, the spectral difference corresponding to a difference in the concentration of a molecular constituent indicative of a change in the condition of the insured property;
determining, by the computer server, whether the spectral difference exceeds a first predetermined threshold value associated with the molecular constituent; and
transmitting a message indicating potential insurance fraud if the first spectral difference exceeds the first predetermined threshold value.

US Pat. No. 9,881,340

FEEDBACK LOOP LINKED MODELS FOR INTERFACE GENERATION

Hartford Fire Insurance C...

1. A computer system configured to process request data employing at least first, second and third predictive models connected
in a feedback loop configuration comprising:
an application server configured to generate web pages to serve as user interfaces on user systems for accepting data related
to an insurance request from a user, and to receive, via a network, telematics data derived from sensors monitoring one or
more of vehicles, property, goods and individuals;

one or more computing devices, the computing devices comprising at least one central processing unit and a non-transitory
computer readable medium, the non-transitory computer-readable medium storing computer-executable instructions;

a computerized underwriting workflow predictive model, trained in accordance with prior data and outcomes, using data parameters
selected, from a plurality of stored data parameters, by regression analysis, configured to dynamically select and output,
automatically and without human intervention, one or more of a plurality of available underwriting workflow components, the
available underwriting workflow components comprising conducting a loss control investigation, requesting underwriting review
of an insurance policy, verifying the accepted data with documentary evidence, and automatically issuing or declining the
insurance policy, to apply in underwriting the recommended insurance policy;

a computerized pricing predictive model, trained in accordance with prior data and outcomes, using data parameters selected,
from a plurality of stored data parameters, by regression analysis, configured to determine and output, automatically and
without human intervention, a price corresponding to the recommended insurance policy determined based on the output from
the computerized underwriting workflow predictive model, coverage parameters for the recommended insurance policy, and the
received data, and

a computerized coverage recommendation predictive model, trained in accordance with prior data and outcomes, using data parameters
selected, from a plurality of stored data parameters, by regression analysis, configured to determine and output, automatically
and without human intervention, the coverage parameters for the recommended insurance policy,

wherein the predictive models are connected in a feedback loop configuration such that a price output from the pricing computerized
predictive model is fed as an input to the computerized underwriting workflow predictive model and the computerized coverage
recommendation predictive model, output from the computerized underwriting workflow predictive model is fed as an input to
the computerized pricing predictive model and the computerized coverage recommendation predictive model, and an output from
the computerized coverage recommendation predictive model is fed as an input to the computerized pricing predictive model
and the computerized underwriting workflow predictive model,

wherein the instructions cause the central processing unit to iteratively execute the computerized predictive models in feedback
loops until one of: (a) outputs of the predictive models across iterations stabilize; (b) a variation in outputs exhibits
no more than predetermined changes; or (c) a predetermined number of iterations have been completed;

wherein the instructions further cause the central processing unit to, upon reaching one of (a), (b) or (c), provide output
data based on the determination reached by executing the computerized predictive models in feedback loops to the application
server, the output data comprising a plurality of recommended coverage sets;

wherein the application server is further configured to generate for display an interactive user interface including data
indicative of each one of the plurality of recommended coverage sets, fields for receipt of user selected parameter adjustments,
the adjustments being output to the central processing unit by the application server, the central processing unit being configured
to cause the computerized predictive models to re-execute, employing the user selected parameter adjustments as fixed or fuzzy
parameters, to, automatically and without human intervention, (i) determine a plurality of updated recommended coverage sets,
and return data indicative of the updated recommended coverage sets to the application server for display, or (ii) perform
a predetermined number of iterations of processing by the computerized predictive models, and, responsive to no set of coverages
being identified after performance of the predetermined number of iterations, return data indicative of a denial of request
for coverages to the application server.

US Pat. No. 9,836,793

INSURANCE PROCESSING SYSTEM AND METHOD USING MOBILE DEVICES FOR PROOF OF OWNERSHIP

HARTFORD FIRE INSURANCE C...

1. A computer system, comprising:
a mobile device, coupled to a sensor for determining quality of items, and configured to execute an application program to
capture an image of a first item, generate an interface prompting a user for data relating to the first item, activate the
sensor to determine quality of the first item, perform an analysis based on data from the sensor, prompt the user to capture,
via a camera of the mobile device, an image of one or more of a bar code, serial number or product code of the first item,
receive in response to the prompt an image of one or more of a bar code, serial number or product code of the first item,
communicate with one or more comparison services to obtain comparative pricing information associated with the first item
employing the at least one of bar code, serial number or product code, and automatically transmit a record including the captured
image data, data entered via the user interface, location information automatically captured via a GPS receiver of the mobile
device, time information, the image of one or more of a bar code, serial number or product code of the first item, the obtained
comparative pricing information, quality data received from the sensor and data resulting from the analysis; the application
program being further configured to, responsive to receipt of a response to a request to add an item, automatically display
the received response on an interface of the mobile device;

a data storage device storing, updating and providing access to data defining a plurality of insurance coverage;
a computer processor for executing program instructions and for retrieving said data defining a plurality of insurance coverage
rules from the data storage device;

a memory, coupled to the computer processor, storing program instructions for execution by the computer processor to:
receive, from the mobile device, the transmitted record;
analyze stored property inventory data including said received record information, including said comparative pricing information,
to determine a current total value of a property inventory including a value of said at least first item to be added;

compare said property inventory, said current total value of said property inventory, said location information and said information
identifying said at least first item to be added with said data defining a plurality of insurance coverage rules, said plurality
of insurance coverage rules including at least a first geographical limit; and

generate and transmit to the mobile device a response to said request to add an item based on a result of said comparison,
the response including an indication of whether said current total value of said property inventory exceeds one or more of
said plurality of insurance coverage rules and whether said location information is within the at least a first geographical
limit.

US Pat. No. 9,824,396

SYSTEMS AND METHODS FOR ADMINISTERING COMPREHENSIVE PROTECTION PLANS

HARTFORD FIRE INSURANCE C...

1. A computer system comprising:
a first asset type computer system storing first asset type data records corresponding to a first asset type;
a second asset type computer system storing second asset type data records corresponding to a second asset type, and the second
asset type computer system being separate from the first asset type computer system;

a parameter coordination computer system interposed between the first asset type computer system, the second asset type computer
system, and an event processing computer system, to communicatively couple each of the first asset type computer system, the
second asset type computer system, and the event processing computer system, to the parameter coordination computer system,
wherein the parameter coordination computer system is configured to:

responsive to a plurality of asset coverage requests received from a plurality of corresponding requestor terminals, render
a display, for each of the plurality of asset coverage requests for a corresponding one of the plurality of requestor terminals,
the display including:

a first screen area which displays first package data;
a second screen area which displays second package data; and
a third screen area which displays a dynamically generated script which explains differences between the first package data
and the second package data, wherein at least one of the first package data and the second package data includes a parameter
coordination feature;

wherein the display automatically renders the plurality of screen areas to be equal in horizontal dimension, and arranges
the plurality of screen areas of equal horizontal dimension horizontally adjacent to one another in a non-overlapping and
simultaneously visible configuration across at least a portion of the available display area; and

receive, from one or more of the plurality of corresponding requestor terminals, one or more first and second package data
selections corresponding to package selections made on corresponding ones of the plurality of requestor terminals, the first
and second package data selections including at least one package selection corresponding to a package including the parameter
coordination feature; and

store, in a data storage device, one or more package data records, each package data record corresponding to one of the one
or more first and second package data selections, and each package data record including a program ID data value indicative
of whether the corresponding package includes the parameter coordination feature;

wherein the event processing computer system is configured to:
receive event data and event coverage data corresponding to an event;
retrieve, from the data storage device, the package data record corresponding to the event coverage data, the retrieved package
data record including the program ID data field having the data value indicative of whether the corresponding package includes
the parameter coordination feature;

determine, based on the value of the program ID data field of the retrieved package data record, whether the parameter coordination
feature applies to the event, wherein the parameter coordination feature provides for coordination of a first parameter stored
in the first asset computer system and a second parameter stored in the second asset computer system;

determine, based on the event data, whether the event involves one or both of the first asset type and the second asset type;
responsive to a determination that the event involves both the first asset type and the second asset type, extract from the
first asset type computer system, the first parameter, and extract, from the second asset type computer system, the second
parameter;

apply parameter coordination rules to determine which one of the first parameter and the second parameter apply to the event;
dynamically update, based on the determined one of the first parameter and the second parameter, one of the first asset type
computer system and the second asset type computer system to indicate application of the determined one of the first parameter
and the second parameter; and

set, based on the determined one of the first parameter and the second parameter, a parameter coordination flag in the other
of the first asset type computer system and the second asset type computer system, to track application of the determined
one of the first parameter and the second parameter in the other of the first asset type computer system and the second asset
type computer system.

US Pat. No. 9,672,571

SYSTEM AND METHOD TO PROVIDE VEHICLE TELEMATICS BASED DATA ON A MAP DISPLAY

HARTFORD FIRE INSURANCE C...

1. A system for processing data for display of vehicle-telematics based data on a map display, the system comprising:
one or more non-transitory data storage devices storing data indicative of processed telematics data, wherein said processed
telematics data is based on telematics data received from a sensor within a first vehicle, the telematics data comprising
location data of the first vehicle and vehicle kinematics data;

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

identify, based on the stored data indicative of processed telematics data, safety events of the first vehicle involving at
least one of speed and deceleration of the first vehicle, and, for each of the safety events involving the first vehicle,
locations of the safety events; and

receive data indicative of safety events of other vehicles involving at least one of speed and deceleration of the other vehicles
and locations of the safety events based on telematics data received from sensors in the other vehicles, and

a map display associated with the first vehicle that displays a plurality of indications of a plurality of the identified
safety events involving the first vehicle, on the map display in accordance with the locations of the safety events involving
the first vehicle, comprising safety events occurring on a plurality of trips, and indications of one or more safety events
associated with the other vehicles, on the map display in accordance with the locations of the safety events involving the
other vehicles.

US Pat. No. 10,424,222

DYNAMIC INTERFACE VIRTUALIZATION IN A NETWORKED COMPUTING ENVIRONMENT

HARTFORD FIRE INSURANCE C...

1. A system for providing a virtualized training environment to mimic functions of an enterprise service, the system comprising:a communications interface;
a memory coupled to the communications interface, the memory stores an electronic request processing application; and
a processor in communication with the memory, the processor executes the electronic request processing application stored in the memory, the electronic request processing application comprising program instructions for:
retrieving live data from the enterprise service,
converting the live data to virtualized data by deidentifying personal information, simplifying complex fields, and adjusting date fields, wherein the virtualized data is an accurate representation of the live data formatting and is optimized for training purposes, the deidentifying personal information occurring by examining live data using a regular expression pattern matching algorithm and replacing recognized data with realistic replacements that mimic the live data without personal information;
processing the virtualized data using one or more virtualized resources on a host server, wherein the virtualized resources correspond to functions of the enterprise service and provide a stable training environment to match training documentation, wherein the stable training environment is provided by modifying the virtualized data from the host server less frequently than live data; and
generating a virtualized response to a user request to the host server, the user request interacting with at least one of a virtual web service accessed via Simple Object Access Protocol, a virtual third party accessed with Hypertext Transfer Protocol, a virtual database accessed via Java database connectivity technology, a virtual mainframe accessed via a conventional MQ interface, and a virtual directory service accessed via Lightweight Directory Access Protocol.

US Pat. No. 10,255,066

SYSTEM AND METHOD FOR MONITORING SOFTWARE DEVELOPMENT AND PROGRAM FLOW

HARTFORD FIRE INSURANCE C...

1. A system for monitoring and performing project development for a project within a company, the system comprising:a communication interface that receives, via one or more networks, information included in communications regarding the project development;
a processor and memory that are integrated to:
identify from the information an initial analysis of the project including infrastructure that is to be utilized in the project;
produce from the information a storyboard of the project including a plurality of storyboard stories each story including an estimate and general projection for completing the project and utilizing infrastructure of the company;
input the storyboard estimate and projection from the plurality of storyboard stories into an initial monitoring gate;
perform a series of sprints to complete ones of the plurality of storyboard stories
monitor the burndown in the storyboarding of the completion of ones of the plurality of storyboard stories, reviewing backlog of the plurality of stories and estimate of ones of the plurality of stories;
input the monitored burndown, reviewed backlog and estimate into a second monitoring gate; and
interactively perform a second series of sprints, monitoring and input in a subsequent monitor gate until project is complete; and
a display device for displaying the status of the project development based on the plurality of storyboard stories remaining in the product backlog and identifies infrastructure of the company in use in the project.

US Pat. No. 9,881,342

REMOTE SENSOR DATA SYSTEMS

HARTFORD FIRE INSURANCE C...

1. A sensor based analysis system, comprising:
a first communication device configured to receive a request to insure a property of an entity;
one or more property sensors configured to collect property sensor data corresponding to the property;
a terminal comprising a remote communication device in communication with the one or more property sensors and storing computer-readable
instructions defining an automated webservice application configured to dynamically upload the property sensor data;

a second communication device configured to receive the property sensor data from the first remote communication device, wherein
the property sensor data includes at least one data parameter;

a memory configured to store (1) a plurality of sets identifying specific data parameters to be analyzed, wherein each of
the plurality of sets is associated with one or more of (a) at least one characteristic of the property, (b) at least one
characteristic of an entity seeking coverage, (c) a value of the at least one characteristic of the property, and (d) a value
of the at least one characteristic of the entity seeking coverage, wherein each of the plurality of sets identifying specific
data parameters to be analyzed is at least partially different from others of the plurality of sets identifying specific data
parameters to be analyzed, and (2) a plurality of underwriting and pricing algorithms, wherein at least one of the plurality
of underwriting and pricing algorithms applies a different set of specific data parameters than another one of the plurality
of underwriting and pricing algorithms;

an application server configured to:
render, for display on the terminal, a series of user interfaces for requesting data indicative of the at least one characteristic
of the property and data indicative of the at least one characteristic of the entity;

receive, from the terminal, the data indicative of the at least one characteristic of the property and the data indicative
of the at least one characteristic of the entity;

receive, from the terminal, the property sensor data dynamically uploaded by the automated webservice application;
identify, based on (1) the received data indicative of at least one characteristic of the property, (2) the received data
indicative of at least one characteristic of the entity, and (3) the received property sensor data, one or more of the at
least one characteristic of the property to be covered, the at least one characteristic of the entity seeking coverage, the
value of the at least one characteristic of the property to be covered, and the value of the at least one characteristic of
the entity seeking coverage,

dynamically select one of the plurality of sets identifying specific data parameters to be analyzed based on (1) the received
data indicative of the at least one characteristic of the property, (2) the received data indicative of the at least one characteristic
of the entity, and (3) the received property sensor data;

select the one of the plurality of underwriting and pricing algorithms that corresponds to the selected one of the plurality
of sets identifying specific data parameters to be analyzed; and

dynamically analyze, by the selected one of the plurality of underwriting and pricing algorithms, the specific data parameters
identified by the selected one of the plurality of sets identifying specific data parameters to be analyzed, to generate one
of data indicative of an underwriting determination and data indicative of a pricing determination; and

an output device configured to output the generated one of the data indicative of underwriting determination and data indicative
of the pricing determination.

US Pat. No. 10,672,077

SYSTEM AND METHOD FOR PROACTIVE UNDERWRITING USING SOCIAL DATA

Hartford Fire Insurance C...

1. A computer implemented method, comprising:continually monitoring, by a proactive coverage generation platform processor implementing a plurality of application program interfaces via a network interface unit connected to the Internet, a plurality of data sources including: RSS data feeds, and two or more of social data sources, entity web sites, forum web sites, blog web sites, auction web sites, or data repositories, to receive, process, and extract data relating to entities with potential coverage needs, wherein additional data received includes one of: biometric data from wearable devices or navigation data from telematics devices, and
analyzing the extracted data and identifying, by the proactive coverage generation platform processor based upon application of natural language processing, whether the extracted data includes data indicative of an action by an entity that matches at least a first trigger rule indicative of a coverage need, the action being unrelated to any risk mitigation policy, application for risk mitigation coverage, or activity by an agent that sells risk mitigation coverage, the first trigger rule comprising one of a plurality of trigger rules stored in a trigger database;
responsive to identification of the action that matches the at least first trigger rule, selecting, by the proactive coverage generation platform processor, one of a plurality of proactive coverage generation underwriting templates stored in a template database, said proactive coverage generation underwriting template being associated with said at least first trigger rule and defining a plurality of required data items for generating an underwriting determination;
accessing, by the proactive coverage generation platform processor via the network interface unit implementing the plurality of application program interfaces and without interaction with the entity, the plurality of data sources to obtain one or more of the plurality of required data items required in accordance with the template associated with the at least first trigger rule;
text mining, by the plurality of application program interfaces via the network interface unit, the plurality of data sources to obtain the one or more of the plurality of required data items required in accordance with the template associated with the at least first trigger rule and automatically collecting, by the proactive coverage generation platform processor, the one or more of the plurality of required data items required in accordance with the template associated with the at least first trigger rule;
performing, by the proactive coverage generation platform processor applying a predictive model trained to analyze relevant underwriting parameter variables in a multivariable system to said collected data, a proactive underwriting analysis, said proactive underwriting analysis being performed without a request from said entity to perform said underwriting analysis;
rendering, by an underwriting module, a quoting module, and a rating schedule database coupled to the proactive coverage generation platform processor, an underwriting determination comprising a price quotation for a risk mitigation product for the entity based on said proactive underwriting analysis;
generating, by a notification module coupled to the proactive coverage generation platform processor, an electronic communication including the price quotation for the risk mitigation product, the electronic communication comprising one of an electronic mail message and a social media network direct message; and
transmitting, by the network interface unit to a user device corresponding to the entity, the electronic communication including the price quotation for the risk mitigation product.

US Pat. No. 10,380,695

SYSTEM AND METHOD FOR TELEMATICS DATA CAPTURE AND PROCESSING

Hartford Fire Insurance C...

1. An automated system for processing telematics data, comprising:a communication device configured to receive data indicative of monitoring by a third party computer system of telematics sensors;
a computer processor configured to:
determine a percentage share to assign relative risk in a telematics based risk mitigation pool between a first party and a third party, wherein the percentage share is determined based on a percentage of the telematics sensors monitored by the third party computer system;
allocate the risk mitigation pool among the first party and the third party according to the determined telematics data based percentage share;
aggregate, by the first party, telematics related loss data related to the telematics sensors;
transmit, via said communication device, the telematics related loss data to the third party;
allocate at least one of a claim liability or a received premium associated with the risk mitigation pool among the first party and the third party according to the determined telematics data based percentage share; and
store, in a data storage device, the determined percentage share assigned to the first party and the third party;
wherein a computer system of the third party receives the telematics related loss data, generates a recommendation for transmission to a user device based at least in part on analysis of the received telematics related loss data, and transmits the generated recommendation to the user device.

US Pat. No. 10,198,705

SYSTEM FOR ELECTRONIC COMMUNICATION EXCHANGE

Hartford Fire Insurance C...

1. A system to improve data exchange over a distributed communications network, comprising:(a) a data acquisition computer programmed to:
(i) receive, from a back-end application, a first task request including a data source communication identifier,
(ii) responsive to the first task request, perform a first data acquisition process in accordance with the data source communication identifier, the first data acquisition process including indications of: (a) when the data source associated with the communication identifier expects to return to a normal operating condition, (b) a quality of service received by the data source from a service provider, and (c) a quality of service performed by the back-end application server, and
(iii) transmit at least one electronic file containing information about the first data acquisition process, including the indication;
(b) a data acquisition database to store information contained within the electronic files; and
(c) the back-end application server, remote from and in communication with the data acquisition computer and the data acquisition database via the distributed communication network, programmed to:
(iv) generate and transmit the first task request to the data acquisition computer, said generation and transmitting being triggered a first pre-determined period of time after an event associated with the data source,
(v) detect that a second pre-determined period of time after the event has occurred, the second pre-determined period of time being greater than the first pre-determined period of time, and
(vi) responsive to the detection that the second pre-determined period of time has occurred, facilitate a second data acquisition process including at least one rating within a scale of ratings provided by the data source after the second pre-determined period of time.

US Pat. No. 10,163,168

SYSTEM FOR SELECTIVE RENDERING OF MULTIPLE ALTERNATING IMAGES ON A GRAPHICAL USER INTERFACE

Hartford Fire Insurance C...

1. A computer system, the system comprising:a web site computer system comprising one or more processors, a memory coupled to the one or more processors, and one or more programs stored in the memory and configured to be executed by the one or more processors, the instructions causing the one or more processors to perform the steps of:
generating for display on and communicating to a client device a graphical user interface including an enhanced coverage option selection screen area displaying a plurality of user-selectable enhanced coverage options corresponding to at least a first type and a second type of enhanced coverage option selections, selectable to transmit a selection to the web site computer system;
receiving data indicative of an enhanced coverage option selection input via the web document from the graphical user interface;
causing the graphical user interface to display, responsive to user selection of the first type of enhanced coverage option selections, a plurality of alternating images, including an image of a damaged property and an image of the damaged property after repair and upgrade according to universal design principles in accordance with the first type of enhanced coverage, and, responsive to user selection of the second type of enhanced coverage option selections, a plurality of alternating images including an image of a damaged property and an image of the damaged property after repair and upgrade according to universal design principles in accordance with the second type of enhanced coverage, the first type enhanced coverage option and the second type enhanced coverage option each providing, responsive to a loss covered under a base property insurance policy, the loss affecting a portion of the property covered under the base property insurance policy, upgrade coverage based on universal design principles for the affected area, the upgrade coverage providing one or more improvements to the affected area, the one or more improvements being in accordance with universal design principles;
outputting data indicative of the enhanced coverage option selection to a network;
receiving, via the network, responsive to the outputting of the data indicative of the enhanced coverage option selection, data indicative of a determined premium; and
generating for display a graphical user interface incorporating the determined premium and a link to initiate payment of the determined premium;
whereby an approved claim under a policy associated with the determined premium results in an output message providing for one or more improvements to the affected area in accordance with universal design principles.

US Pat. No. 10,026,051

SYSTEM FOR ACCESSING BUSINESS METADATA WITHIN A DISTRIBUTED NETWORK

HARTFORD FIRE INSURANCE C...

1. A distributed server system facilitating metadata driven using social constructs in combination with metadata management to enhance metadata, the system comprising:a data storage device configured to store business information and metadata related to the business information;
a processor configured to:
selectively receive rated user input that provides supplemental information related to an instance of a social construct associated with at least one of the business information and the metadata;
determine a context of the supplemental information;
organize the supplemental information in a taxonomy by type and use pointers to provide non-redundancy of the supplemental information;
cross-link the supplemental information to the associated metadata using at least one of URI/URL, bi-directional fine-grain hyperlinking, cross-solution unloading and loading;
store the cross-linked supplemental information in the data storage device; and
generate a user interface element that includes at least one of the stored business information and the associated metadata related to the business information, and the linked supplemental information; and
a display device configured to display the user interface element as the definition of the business information.

US Pat. No. 10,699,349

COMPUTERIZED SYSTEM AND METHOD FOR DATA FIELD PRE-FILLING AND PRE-FILLING PREVENTION

Hartford Fire Insurance C...

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.

US Pat. No. 10,560,316

SYSTEM FOR CLOUD-BASED SERVICE OUTAGE DETECTION AND VERIFICATION

Hartford Fire Insurance C...

1. A system for cloud-based service outage detection and verification, comprising:a network link that receives, over a data communications network, cloud service provider outage information indicating a possible cloud outage at a cloud service provider, wherein the information comprises new content on a website associated with the cloud service provider;
a processor that generates outage data comprising a third party cloud service provider identification and an outage characteristic, wherein the outage characteristic is identified from the new content and identifies an outage type;
the processor identifying at least one entity implicated in the possible cloud outage, wherein the identifying comprises identifying an entity that subscribes to cloud services provided by the cloud service provider by querying a database that stores information related to the cloud service provider; and
the processor providing information to the at least one entity confirming the possible cloud outage, wherein the confirming is based at least in part on the new content.

US Pat. No. 10,229,460

SYSTEM AND METHOD FOR TELEMATICS BASED DRIVING ROUTE OPTIMIZATION

Hartford Fire Insurance C...

1. A computerized method comprising:rendering, on a display on a user computing device, a user interface for receiving commute data from the user including commute endpoints defining a starting point and an ending point of the commute and commute temporal data corresponding to a commute;
storing, in a computer data storage device by a computer processor coupled to the computer data storage device, the commute data received, via a communication interface unit coupled to the computer processor, from the user interface;
performing, by the computer processor, a route-based computerized analysis of the commuting data for the commute, said performing including:
determining a trajectory from the starting point of the commute to the ending point of the commute based on traffic density data;
calculating, based on a length of the trajectory from the starting point of the commute to the ending point of the commute, a width corresponding to the trajectory of the commute from the starting point of the commute to the ending point of the commute;
defining, based on the trajectory of the commute from the starting point of the commute to the ending point of the commute and the calculated width, a commuting region between the endpoints of the commute; and
analyzing incident experience data relevant to the defined region; and
transmitting, by the communication interface unit to the user computing device, a suggested driving route based on a result of the route-based computerized analysis, said transmitting occurring proximately in time with performance of said route-based analysis.

US Pat. No. 10,217,170

SYSTEM FOR CLAIM LOAD BALANCING

Hartford Fire Insurance C...

1. A system for claim load balancing and assignment, comprising:a communication device to receive 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 computer storage unit for receiving, storing, and providing said data indicative of the plurality of insurance claims;
a segmentation platform processor configured for:
automatically, responsive to a new one of the insurance claims and dynamically responsive to a change in at least one of a subset of the plurality of data elements relating to one of the insurance claims previously segmented, executing segmentation logic, including:
determining a type of insurance associated with a first insurance claims of the plurality of insurance claims;
analyzing the received data associated with the first insurance claim, in accordance with first segmentation logic, to determine a first segment classification appropriate for the first insurance claim, the first segment classification being one of a plurality of sequential from least complex to most complex, ranked, complexity segment classifications, wherein at least the first segmentation logic comprises a rule mapping at least one parameter description value to a minimum complexity value of the plurality of sequential segment classifications;
analyzing the received data associated with the first insurance claim, in accordance with second segmentation logic different from the first segmentation logic, to determine a second segment classification appropriate for the second insurance claim, the second segment classification being another one of the plurality of sequential complexity segment classifications, and
transmitting an indication of the higher of the first and second segment classifications to a load balancing and assignment platform processor; and
a load balancing and assignment platform processor in communication with the storage unit, wherein the processor is configured for:
receiving from a separate human resources platform data indicative of availability of a plurality of claim handlers;
selecting a first claim handler for the first insurance claim based at least in part on: (i) the higher of the first and second sequential segment classifications determined by the segmentation platform processor associated with the first insurance claim, (ii) numbers of other insurance claims currently assigned to claim handlers, (iii) load factors associated with claim handlers, (iv) the data indicative of availability of the plurality of claim handlers, and (v) expertise attributes associated with the claim handlers; 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.

US Pat. No. 10,210,479

COMPUTERIZED SYSEM AND METHOD FOR DATA ACQUISTION AND APPLICATION OF DISPARATE DATA TO TWO STAGE BAYESIAN NETWORKS TO GENERATE CENTRALLY MAINTAINED PORTABLE DRIVING SCORE DATA

Hartford Fire Insurance C...

1. A computerized method for defining distilled portable driver scores using staged Bayesian belief networks and telematics data comprising:transmitting, by a driver rating computer system communication device coupled to a driver rating computer system, to a driving behavior vendor computer system, a request for driving behavior scores data based on vehicle sensor telematics data corresponding to a plurality of drivers generated by one or more sensors installed in vehicles of the plurality of drivers, wherein each driving behavior score is based on the vehicle sensor telematics data corresponding to each of the plurality of drivers;
receiving, by the driver rating computer system communication device from the driving behavior vendor computer system, the driving behavior scores data corresponding to the plurality of drivers;
transmitting, by the driver rating computer system communication device to a credit bureau computer system, a request for credit scores data corresponding to the plurality of drivers;
receiving, by the driver rating computer system communication device from the credit bureau computer system, the credit scores data corresponding to each of the plurality of drivers;
transmitting, by the driver rating computer system communication device to a plurality of department of motor vehicle (DMV) computer systems, requests for moving violations data corresponding to each of the plurality of drivers;
receiving, by the driver rating computer system communications device from the plurality of department of motor vehicle (DMV) computer systems, the moving violations data corresponding to each of the plurality of drivers;
applying, the moving violations data corresponding to each of the plurality of drivers to a first Bayesian belief network stored on the driver rating computer system;
generating, by the driver rating computer system based on application of the moving violations data corresponding to each of the plurality of drivers to the first Bayesian belief network, public record score data for each of the plurality of drivers;
applying, by the driver rating computer system, the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to a second Bayesian belief network store on the driver rating computer system;
generating, by the driver rating computer system based on application of the driver behavior scores data, the credit scores data, and the public record scores data generated by the first Bayesian belief network, to the second Bayesian belief network, distilled portable combined driver score data comprising a professional credential for each of the plurality of drivers;
storing, by the driver rating computer system, the portable combined driver score data generated by the staged Bayesian belief networks for each of the plurality of drivers in a driver rating computer system computerized database;
receiving, by the driver rating computer system communication device from one of an insurance company computer system and a fleet operator computer system, a query for distilled portable combined driver score data for a particular driver; and
responsive to receipt of the query, transmitting by the driver rating computer system communication device to the one of the insurance company computer system and the fleet operator computer system, the distilled portable combined driver score data generated by the staged Bayesian belief networks for the particular driver.

US Pat. No. 10,176,528

PREDICTIVE MODEL-BASED DISCRIMINATOR

Hartford Fire Insurance C...

1. A computer system comprising:an indeterminate data capture component, including a natural language processing application, configured to:
receive raw indeterminate data corresponding to historical claim transactions and current claim transactions; and
extract indeterminate data from the raw indeterminate data, comprising text data, indicative of the historical claim transactions and the current claim transactions, and to mine opinion data from the text data;
a predictive model component, configured to:
train the predictive model component, based on determinate data and the extracted indeterminate data corresponding to the historical claim transactions, to generate a value indicative of whether a claim is questionable; and
adapt the predictive model component to changing patterns of questionable claim transactions by periodically updating the predictive model component based on new determinate data and new extracted indeterminate data;
a screening module configured to compare each of the current claim transactions to the data indicative of claim categories that are highly unlikely to be questionable;
a computer processor configured to:
categorize, based on application of the screening module, each of said current claim transactions as one of (1) a current claim suitable for analysis by a computerized predictive model when the current claim transaction does not correspond to a plurality of claim categories that are highly unlikely to be questionable, and (2) a current claim not suitable for analysis by the computerized predictive model when the current claim transaction corresponds to at least one of the claim categories that are highly unlikely to be questionable;
responsive to a categorization of one or more current claim transactions as not suitable for analysis by the computerized predictive model, transmit an electronic claim file to a claims processing computer; and
responsive to a categorization of one or more current claim transactions as suitable for analysis by the computerized predictive model:
determine, by application of the predictive model component to each of the one or more current claim transactions categorized as suitable for analysis by the computerized predictive model, a value indicative of whether the current claim transaction is questionable;
output, by an output device coupled to the computer processor, for each of the current claim transactions categorized as suitable for analysis by the computerized predictive model, the determined value indicative of whether the current claim transaction is questionable;
a routing module configured to:
responsive to a determination that the outputted value exceeds a threshold value, transmit data indicative of an electronic case file for the one of the current claim transactions to an investigation unit computer; and
responsive to a determination that the outputted value does not exceed the threshold value, transmit data indicative of an electronic case file to a claims processing computer; and
a data storage unit configured to receive, store, and provide access to the indeterminate data and determinate data corresponding to the historical claim transactions and to the current claim transactions, and the data indicative of claim categories that are highly unlikely to be questionable.

US Pat. No. 10,152,753

MEDICAL RISK UNDERWRITING SYSTEM

Hartford Fire Insurance C...

1. A standalone medical risk underwriting computer system comprising:a medical risk factor computer storage unit for receiving, storing, and providing medical risk factor data;
a policy storage unit for receiving, storing, and providing policy data;
a processor co-located with and coupled to the risk factor computer storage unit and the policy data storage unit, wherein the processor is configured to:
generate a first graphical interface to receive a password to access the standalone medical risk underwriting computer system;
responsive to receipt of an invalid password, block access to the standalone medical risk underwriting computer system;
responsive to receipt of a valid password, determine whether a predetermined event, comprising expiration of a period of time since issuance of the password greater than a predetermined period of time, has occurred;
responsive to a determination that the predetermined event has occurred, delete at least some data stored on components of the standalone medical risk underwriting computer system;
responsive to a determination that the predetermined event has not occurred:
receive information associated with a policy having a policy identifier,
generate a second graphical interface including an index of selectable medical risk factors;
responsive to receipt of a selected medical risk factor, generate and display a suggested medical risk value corresponding to the selected medical risk factor;
determine whether an adjustment to the suggested medical risk value was received;
responsive to a determination that the adjustment to the suggested medical risk value was received, store the adjusted medical risk value;
responsive to a determination that the adjustment to the suggested medical risk value was not received, store the suggested medical risk value;
repeat the steps of displaying suggested medical risk values for a plurality of selected medical risk factors and storing one of the adjusted medical risk value of the suggested medical risk value corresponding to each of the selected medical risk factors;
automatically calculate an overall risk level associated with a policy based on the plurality of selected medical risk factor values, and
locally save at least one file associating the overall risk level with at least one of the policy identifier and the plurality of medical risk factor values;
automatically generate a recommended underwriting decision based on the overall risk level;
automatically create, by a template in an external application based on the recommended underwriting decision, a customized decision document including at least some of the policy data; and
transmit, by a communication device, the calculated overall risk level, but not the plurality of medical risk factor values, to an agent computing device.

US Pat. No. 9,972,053

SYSTEM AND METHOD FOR CREATING INSURANCE VIRTUAL AFFINITY GROUPS

Hartford Fire Insurance C...

1. A computer-implemented processing method for managing data flow to create and identify members for a virtual affinity group created based solely on an identified characteristic and not based on an existing affinity group, comprising:storing, in a data storage device, historical underwriting data and historical loss data;
analyzing, by a virtual affinity group computer processor, the historical underwriting data and the historical loss data to determine an aggregated group of risk characteristics;
identifying, by the virtual affinity group computer processor based upon analysis of the aggregated group of risk characteristics, a first set of characteristics of the virtual affinity group to be created, the identified first set of characteristics comprising at least a demographic attribute and a psychographic attribute;
creating, by the virtual affinity group computer processor, the virtual affinity group based on the identified first set of characteristics;
creating, by the virtual affinity group computer processor, a web property domain for the virtual affinity group, wherein the web property domain includes at least one of a subdomain or a top level domain, and further includes at least automated feed-generated content and user-generated interactive content accessible by members of the virtual affinity group;
determining, by the virtual affinity group computer processor based on a risk analysis performed based on the identified first set of characteristics, a benefit comprising one of a pre-qualification for a product and a reduced rate for a product to be offered to said virtual affinity group;
receiving, by the virtual affinity group computer processor, data collection instructions identifying at least two of online forums, social media sites, and other web sites to monitor for potential members of the virtual affinity group, wherein the at least two of the online forums, the social media sites, and the other web sites comprise authority sites identified based upon a page view traffic data analysis of the authority sites;
responsive to creation of the web property domain, periodically triggering a potential member identification process comprising:
receiving, by the virtual affinity group computer processor based upon the data collection instructions, online data from the at least two of the online forums, the social media sites, and the other web sites;
analyzing, by the virtual affinity group computer processor, the received online data to identify at least a first individual matching the identified first set of characteristics of the virtual affinity group, said analyzing including categorizing, based upon natural language processing of the received online data, an interest level psychographic attribute of the potential members of the virtual affinity group;
updating, by the virtual affinity group computer processor, membership data of the virtual affinity group to include information identifying the at least first individual as being eligible for membership in the virtual affinity group;
transmitting an invitation to the at least first individual to join the virtual affinity group; and
responsive to receipt of an affirmative response to the invitation, providing, by the virtual affinity group computer processor, access to the virtual affinity group, and the benefit, to the at least first individual.

US Pat. No. 10,636,103

SYSTEM AND METHOD FOR INTEGRATED ADVANCE LIFE PLANNING

Hartford Fire Insurance C...

1. A computer system, the system in communication with a user terminal, the system comprising:a data storage device comprising:
an employee database associated with a group benefits plan;
a program comprising processor-executable instructions; and
a database comprising a plurality of user profiles, each of the profiles comprising user data, fields; and
a processor in communication with the data storage device, a user terminal, an estate planning server providing an estate planning service, a will preparation server providing a will preparation service, and a funeral planning server providing a funeral planning service, wherein the processor executes the program to:
render a common graphical user interface on the user terminal for accessing the estate planning service, will preparation service, and funeral planning service, and receiving user data;
automatically populate at least a portion of the user data fields of the user profiles from records stored in the employee database;
map common fields between the user profile and one or more of the estate planning service, will preparation service and funeral planning service, by automated comparison of field values and data labels;
based on the mapping, generate a table dynamically linking each common field of the user profile to a corresponding field in each of the estate planning service, will preparation service and funeral planning service;
responsive to entry of one of the estate planning service, will preparation service and funeral planning service by a user, determine whether the common user data fields within the entered one of the estate planning service, will preparation service and funeral planning service are synchronized with the common user data fields of the user profile stored in the database, the common user data fields being determined according to the generated table;
responsive to determining that one or more of the common user data fields within the entered one of the estate planning service, will preparation service and funeral planning service is not synchronized with the common user data fields of the user profile, synchronize the one or more common user data fields within the entered one of the estate planning service, will preparation service and funeral planning service to be synchronized with the common user data fields of the user profile stored in the database;
responsive to exiting by the user of the entered one of the estate planning service, will preparation service and funeral planning service, determine whether any of the common user data fields within the entered one of the estate planning service, will preparation service and funeral planning service have been changed, the common user data fields being determined according to the generated table;
responsive to determining that one or more of the common user data fields within the entered one of the estate planning service, will preparation service and funeral planning service have been changed, prompt the user to replace the data in the common user data field in the user profile with the changed data from the entered one of the estate planning service, will preparation service and funeral planning service;
responsive to receiving user agreement to change the common user data field in response to the prompting of the user, synchronize the corresponding common user data fields of the user profile stored in the database that have been changed in the entered one of the estate planning service, will preparation service and funeral planning service with the data in the common user data fields, and, absent user agreement in response to the prompting of the user, maintain the common user data fields of the user profile stored in the database without change;
receive account access information for a plurality of user financial resources and store the received account access information in data fields of the user profile;
automatically, responsive to user access to the system, use the stored account access information to access financial information of the user, and store the accessed financial information in data fields of the user profile;
calculate the assets, liabilities and net worth of the user based on the accessed financial information, and store the calculated assets, liabilities and net worth in the user profile;
responsive to entry of the estate planning service by the user, synchronize the asset data, liability data and net worth data of the fields of the estate planning service with the common user data fields of the user profile stored in the database;
receive data relating to the user based on fields of the user profile, the received data tagged with a source identifier; compare the source identifier to a database of approved sources;
responsive to matching the source identifier with an approved source in the database of approved sources, automatically confirm the received data, and responsive to the confirmed data indicating a user event, access one of the estate planning service, will preparation service, and funeral planning service corresponding to the confirmed data; and
responsive to the user event being the death of the user, initiate one or more of a funeral process, a probate process, a life insurance claim and notification of listed people.

US Pat. No. 10,609,127

SYSTEM FOR PROVIDING AN ISOLATED TESTING MODEL FOR DISASTER RECOVERY CAPABILITIES

Hartford Fire Insurance C...

1. A system for providing an isolated testing configuration for disaster recovery capabilities, comprising:a primary network comprising at least one first server that provides one or more users access to data and services;
a streamlined backup network comprising at least one second server that also provides the one or more users access to the data and the services; and
an isolation appliance comprising one or more switches establishing an external network connection between the primary network and the streamlined backup network;
wherein the system is switched between
a production mode wherein the primary network and the streamlined backup network form a live production environment wherein the streamlined backup network provides the one or more users backup access to the data and the services in the event the primary network is unable provide access to the data and the services, and
a test mode wherein the streamlined backup network is removed from the live production environment by isolating the streamlined backup network from the primary network such that backup access to the data and the services on the streamlined backup network is tested without inhibiting the operation of the primary network;
wherein, when the system is in the test mode, the isolation appliance prevents the at least one second server from communicating with the primary network by physically disconnecting the external network connection at the isolation appliance to physically isolate the streamlined backup network from the primary network when the streamlined backup network is in the test mode; and
wherein the at least one second server has the same configuration in the test mode and in the production mode.

US Pat. No. 10,445,354

SYSTEM TO DETERMINE A CREDIBILITY WEIGHTING FOR ELECTRONIC RECORDS

Hartford Fire Insurance C...

1. A system for determining a credibility weighting associated with electronic records, comprising:a text mining platform, including:
a text mining communication device to receive text input data associated with the electronic records;
a text mining processor coupled to the text mining communication device; and
a text mining storage device in communication with said text mining processor and storing instructions adapted to be executed by said text mining processor to:
(i) aggregate and map the received text input data to create composite text input data,
(ii) automatically detect a semantic event in the composite text input data triggered by a semantic rule and associated semantic tag,
(iii) flag the detected semantic event as meeting a pre-determined condition,
(iv) update a text mining result database, responsive to the flag, by adding an entry to the database identifying the detected semantic event and the triggering semantic rule, and
(v) transmit an indication associated with the event based on the associated data in the text mining result database; and
a back-end application computer server coupled to the text mining platform, including:
a back-end communication device to receive the indication for the electronic record transmitted by the text mining platform;
a back-end processor coupled to the back end communication device; and
a back-end storage device in communication with said back-end processor and storing instructions adapted to be executed by said back-end processor to:
(i) establish a hierarchy for multiple elements of the electronic records,
(ii) determine a weight variable and response variable for each element in the established hierarchy,
(iii) apply a hierarchical credibility weighting methodology to the elements of the electronic records from level 1, representing the least granular level in the hierarchy, to level n, representing the most granular level in the hierarchy, calculated recursively from level n, to determine a final estimated credibility for the electronic records based on the weight variable and response variable, wherein ?i represents a weight for level i, Xi represents an observed experience for level i, K represents a credibility factor, and the credibility for level i is calculated as:
and(iv) output an indication of the final estimated credibility for the electronic records.

US Pat. No. 10,358,342

MICROELECTROMECHANICAL ACCELEROMETER BASED SENSOR SYSTEM

Hartford Fire Insurance C...

1. A Micro-Electro-Mechanical-System (“MEMS”) based method for detecting and analyzing activity levels, comprising:collecting, by a wearable MEMS sensor, user activity data of a user wearing the MEMS sensor;
wirelessly transmitting, from a transceiver of the wearable MEMS sensor to a mobile electronic device, the collected user activity data, wherein the mobile electronic device is adapted to display the user activity data;
forwarding, from the mobile electronic device to a data adapter of a remote server system device via a wireless router, the collected user activity data;
analyzing, by the remote server system device, the user activity data to determine an associated activity classification, each activity classification corresponding to a pre-determined condition and an associated condition benefit; and
automatically generating, by a computer processor of the remote server system device, an exception condition for an investigator upon detection of a potential fraudulent condition based on a comparison of the sensed user activity data with a historical profile of that particular user's past activities and a predictive model.

US Pat. No. 9,965,272

SYSTEM AND METHOD FOR MONITORING SOFTWARE DEVELOPMENT AND PROGRAM FLOW

HARTFORD FIRE INSURANCE C...

1. A system for monitoring software project development, the system comprising:a communication interface that receives, via one or more networks, information included in communications regarding the project development;a processor and memory that are integrated to:identify from the information a plurality of user stories for completion during development and a plurality of resources associated with each of the plurality of user stories;
estimate a priority of each of the plurality of user stories;
assign a value to each of the plurality of user stories, the assigned value representing an amount of effort needed to complete the respective user story;
provide a threshold based on the resources and development based on the assigned value based on the organizational priorities of the development;
monitor the burndown of each of the plurality of user stories, estimated priority and assigned value in the memory as ones of the plurality of user stories are completed as compared to the provided threshold;
calibrate a difference in the assigned value of each of the plurality of user stories using a central calibration within an organization; and
update a product backlog of user stories with the user story's associated calibrated assigned value and adjust resources associated with each of the plurality of user stories in the product backlog; and
a display device for displaying the status of the project development based on a plurality of user stories remaining in the product backlog as compared to a plurality of completed user stories.

US Pat. No. 10,636,047

SYSTEM USING AUTOMATICALLY TRIGGERED ANALYTICS FOR FEEDBACK DATA

Hartford Fire Insurance C...

1. A computer system to analyze feedback data, the system comprising:a customer database system to store, for each of a plurality of customers of an enterprise, historic customer satisfaction information associated with past customer interactions, wherein the information in the customer database system further includes information associated with a net promoter score calculated as follows: (i) determine a number of customers P who are likely to promote the enterprise, (ii) determine a number of customers D who are likely to actively discourage others from using the enterprise, and (iii) set the net promotor score to P minus D;
a customer service representative terminal to facilitate a current interaction between a customer service representative and a first customer;
a survey platform, coupled to the insurance customer database system and the customer service representative terminal, including:
a first computer processor, and
a first computer memory, coupled to the first computer processor, storing instructions that, when executed by the first computer processor, cause the survey platform to:
(i) detect that the customer service representative terminal is currently interacting with the first customer and that the first customer is associated with an entry in the customer database system regarding a past interaction with the first customer, and
(ii) responsive to the detection and a net promotor score value associated with the first customer, automatically trigger an analytics action at the customer service representative terminal during the current interaction, wherein the automatically triggered analytics action includes a drop-down selection of potential escalation levels and an associated interaction details field that is automatically pre-populated by the first processor based on Voice Over Internet Protocol transaction information;
a relational database to receive solicited customer feedback information from the customer service representative terminal during the current interaction, along with a structured escalation level category entered via the analytics action, wherein the solicited customer feedback information is automatically parsed into unstructured text;
a predictive model platform to receive and analyze the unstructured text and thereby generate a customer feedback prediction; and
a big data application platform coupled to the relational database, including:
a second computer processor, and
a second computer memory, coupled to the second computer processor, storing instructions that, when executed by the second computer processor, cause the big data application platform to:
(i) automatically execute an algorithm to assign a sub-category to the first customer interaction based on the unstructured parsed text and customer feedback prediction,
(ii) record an indication of the solicited customer feedback into one of a positive sentiment pool, a neutral sentiment pool, and a negative sentiment pool, and
(iii) automatically direct a workflow associated with a customer feedback response during the current interaction.

US Pat. No. 10,635,410

SYSTEM TO COORDINATE SOURCE CODE MODULE CHANGES

Hartford Fire Insurance C...

1. A system, comprising:(a) a communication interface to facilitate an exchange of electronic messages, including messages exchanged via a distributed communication network, supporting interactive user interface displays at remote developer devices; and
(b) a back-end module coordination system computer server, coupled to the enterprise source code repository data store and the communication interface, including:
a computer processor, and
a computer memory, coupled to the computer processor, storing instructions that when executed by the computer processor cause the back-end module coordination system computer server to:
(i) access an electronic work request record, the work request record being associated with a work request identifier, a release date, and at least a first source code module component in an enterprise source code repository data store storing a plurality of source code module components,
(ii) establish, via a first remote developer device associated with a first developer identifier, a first interactive user interface display including individual lines of code from the first source code module component, wherein each line of code that has been changed since a previous release of the first source code module component is tagged with an associated work request identifier and is graphically provided in association with a developer identifier,
wherein the first interactive user interface display reflects all changes dynamically that have been made since the previous release of the first source code module component, including those associated with other developer identifiers,
(iii) associate the first source code module component with a current module lock status comprising one of: an open edit state during which developers can edit the first source code module component, a closed edit state during which at least some developers cannot edit the first source code module component, and a compiling state indicating that the first source code module component is being complied by the system,
(iv) associate the first source code module component with a frozen status indicating that tagged lines of code in the first source code module component cannot be edited,
(v) receive, via a second remote developer device associated with a second developer identifier, an initial attempt to edit an initial line of code in the first source code module component within the enterprise source code repository data store,
(vi) automatically determine that the initial line of code is tagged and, as a result, block the attempt to edit the initial line of code,
(vii) receive, via the second remote developer device, a subsequent attempt to edit a subsequent line of code in the first source code module component within the enterprise source code repository data store, and
(viii) automatically determine that the subsequent line of code is not tagged and, as a result, allow the edit of the subsequent line of code.

US Pat. No. 10,628,888

SYSTEM TO AUTOMATICALLY DETERMINE SUPPLEMENTAL INSURANCE INFORMATION FOR A VIRTUAL HOME DISPLAY

Hartford Fire Insurance C...

1. A system associated with an insurance enterprise, the system comprising:a virtual home database system to store, for each of a plurality of insured parties, virtual home information including real world elements of a virtual home;
an insurance provider backend system having access to, for each of the plurality of insured parties, insurance policy information associated with the insurance enterprise; and
a virtual home platform, communicatively coupled to the virtual home database system and the insurance provider backend system, including:
a communication device to receive, from a remote insured party device associated with a first insured party, at least one electronic message including authentication information and an associated virtual home display request,
an authentication module configured to:
verify the authentication information in the at least one electronic message;
responsive to failure to verify the authentication information, generate, for provision to the remote insured party device, a graphical user interface including a generic rendering of one of at least a portion of an exterior and an interior of a generic virtual home, said generic rendering including selectable generic elements automatically populated into the generic rendering, and
responsive to a positive verification of the authentication information:
generate a graphical user interface including a rendering of one of at least a portion of an exterior and an interior of the virtual home, wherein the rendering includes selectable real world drill-down elements corresponding to at least some of the real world elements, insurance policy information associated with the first insured party, and selectable simulation icons for simulating an impact of one of a plurality of events to the portion of the virtual home, wherein the selectable simulation icons include at least a (i) hurricane simulation icon, (ii) a hail simulation icon, (iii) a tornado simulation icon, and (iv) an electrical power surge simulation icon;
responsive to a selection of one of the real world drill-down elements from the remote insured party device, generate and transmit to the remote insured party device, for depiction on the graphical user interface, a supplemental electronic message including supplemental insurance information about the selected real world drill-down element and a first selectable option to obtain coverage adjustment information recommended for the selected one of the real world elements;
responsive to receipt, from the remote insured party device, of a selection of one of the simulation icons:
 execute, by one or more trained predictive models, a simulation for an event corresponding to the selected one of the simulation icons to predict a damage estimate corresponding to the simulation; and
 generate and transmit to the remote insured party device, for depiction on the graphical user interface, a display including the damage estimate predicted by the simulation corresponding to the impact of the event to the rendered one of the exterior and the interior of the virtual home and a portion of the predicted damage estimate not covered by an insurance policy of the first insured party, and a second selectable option to obtain a suggested improvement to a current level of coverage based upon the damage estimate; and
responsive to selection of the first selectable option or the second selectable option to obtain the suggested improvement to a current level of coverage, generate and transmit to the remote insured party device, for depiction on the graphical user interface, the suggested improvement to the current level of coverage.

US Pat. No. 10,600,124

HYBRID ELECTRONIC RECORD ORDERING SYSTEM

Hartford Fire Insurance C...

1. A system to reduce processing time for electronic records associated with an enterprise, comprising:an enterprise platform to receive information about a potential electronic record, the enterprise platform including an internal electronic record model;
a vendor hub service in communication with the enterprise platform and a plurality of third party vendor platforms, at least one third party vendor platform including a third party electronic record model, the vendor hub service being adapted to transmit a web service call that includes an appropriately formatted extensible markup language electronic file payload to a predictive score service,
wherein the enterprise platform is to apply enterprise rules and logic at least partially generated by a predictive model, including a determination of data about a geographic state associated with the potential electronic record, to the information about the potential electronic record to automatically select of one of three potential decision flows:
that the internal electronic record model will decide when an electronic record will be requested from a creator of the electronic record,
that the third party electronic record model will decide when an electronic record will be requested from the creator of the electronic record, or
that a hybrid application of the internal electronic record model and the third party electronic record model will decide when an electronic record will be requested from the creator of the electronic record,
wherein execution of the selected decision flow assigns a request flag of “no” to electronic records that will not be requested from the creator of the electronic record and a request flag of “yes” to electronic records that will be requested from the creator of the electronic record; and
an electronic record requesting platform, coupled to the enterprise platform, to automatically transmit electronic record report requests associated with the “yes” request flag to the creator of the electronic record, without transmitting electronic record report requests associated with the “no” request flag to the creator of the electronic record thereby avoiding transmission of unnecessary information by the enterprise,
wherein the enterprise rules and logic include a determination of a cost of requesting an electronic record from the creator of the electronic record and a comparison of that cost to an algorithm generated threshold value that is based at least in part on data received from the predictive score service in response to the web service call, and further wherein future results associated with decisions of the indicated decision flows are used by the predictive model to update the enterprise rules and logic.

US Pat. No. 10,163,143

VENDOR MANAGEMENT DATA DISTRIBUTION SYSTEM

Hartford Fire Insurance C...

1. A computer system comprising:a data storage device storing data indicative of a plurality of files and data indicative of a plurality of vendors associated with a plurality of vendor computer systems;
a computing system, in communication with said data storage device, said plurality of vendor computer systems, and a plurality of client computer systems, said computing system having a processor configured to:
transmit a set of files, using a communication module, from one of said client computer systems to a selected one of said plurality of vendor computer systems for processing by a selected vendor;
provide access to materials relevant to said transmitted set of files to both said one of said plurality of client computer systems and said plurality of vendor computer systems;
identify a plurality of acceptable vendors from said plurality of vendors;
determine, employing a computerized predictive model, for each one of the plurality of files, a likelihood of a desired outcome resultant from file processing by the identified plurality of acceptable vendors, the determination based on: data relating to at least one of the plurality of files and data relating to the plurality of vendors including: expertise of the plurality of vendors in the same field as the at least one file, the plurality of vendors' performance by work type, the plurality of vendors' performance on client files received by the plurality of vendors to date, prior success rate of the plurality of vendors, and time for successful completion by the plurality of vendors; and
select the one of the plurality of acceptable vendors determined to be best qualified for receiving each one of the plurality of files, the determining based on the data indicative of the plurality of files, the determined likelihood of the desired outcome, and the data indicative of the plurality of vendors;
a non-transitory computer-readable medium having stored thereon processor-executable instructions, which instructions include a generating module which, when executed by a processor, cause the processor to generate at least one report describing which specific files should be transmitted to certain of the plurality of vendors best suited for processing of said specific files; and
an online platform which is configured to:
(i) provide files to export to first vendor computer systems, and provide reports summarizing data to second vendor computer systems; and
(ii) enable vendors to accept or reject files via a system-provided user interface, and via preprogrammed code that automatically accepts or rejects files based on predetermined parameters,
wherein the computing system is further configured to:
in a batch process, at a determined interval, for referrals for a vendor during the interval, and generate extract files containing file data related to the referrals;
make the extract files available to the vendor computer system for download and to permit download of extract files accessible in a report format; and
purge the extract files after a predetermined period of time.

US Pat. No. 9,953,371

SYSTEM AND METHOD FOR PROVIDING AND ACTIVATING COMMODITIZED INSURANCE

HARTFORD FIRE INSURANCE C...

1. A system for activating a product, the system comprising:a product having an activation code associated therewith, the product being available for purchase for a price, the activation code identifying pre-defined parameters for the product; and
a carrier that provides the product, the carrier receiving payment in an amount of the price and information regarding the activation code, via a web server upon purchase of the product;
the carrier via an issuance server including:
a memory device configured to store information in a central record that includes:
the activation code associated with pre-defined parameters for the product and identified with the product; and
a set of verification queries associated with the activation code, the set of verification queries related to the pre-defined parameters wherein the set of verification queries screen for eligibility of the product;
a processor configured to receive the activation code associated with the product when a user device is used to attempt to activate the product via the carrier and access the memory device to determine the set of verification queries associated with the received activation code; and
a communications interface to provide the determined set of verification queries to the user device and receive responses thereto, and on a condition that the processor determines that the received responses to the determined set of verification queries are in accordance with the product activates the product.

US Pat. No. 10,599,670

PERFORMANCE ESTIMATION SYSTEM UTILIZING A DATA ANALYTICS PREDICTIVE MODEL

Hartford Fire Insurance C...

1. A system to provide a future performance estimation assessment tool for an enterprise via an automated back-end application computer server, comprising:(a) at least one internal data source storing data collected by the enterprise;
(b) at least one third-party data source external to the enterprise;
(c) a data store containing electronic records created in accordance with data from both the internal data source and the third-party data source, each electronic record representing a risk association for an entity in connection with a plurality of relationships, wherein each electronic record contains a set of record characteristic values;
(d) the back-end application computer server, coupled to the data store, programmed to:
(i) access the electronic records in the data store,
(ii) automatically designate a first sub-set of the set of record characteristic values of each electronic record as fixed effect variables,
(iii) automatically designate a second sub-set of the set of record characteristic values of each electronic record as random effect variables,
(iv) generate, by a data analytics mixed effect predictive model based on the fixed effect variables and the random effect variables, a future performance estimation value for the risk association of each entity in connection with its plurality of relationships, and
(v) transmit an indication associated with the future performance estimation value for the risk association of at least one entity in connection with its plurality of relationships to generate an interactive user interface display; and
(e) a communication port coupled to the back-end application computer server to facilitate an exchange of electronic messages, via a distributed communication network, supporting the interactive user interface display, including a display of a plurality of the record characteristic values, component scores associated with those record characteristic values, and the future performance estimation value.

US Pat. No. 10,369,889

SYSTEM AND METHOD FOR PROCESSING ELECTRIC VEHICLE AND INSURANCE DATA

Hartford Fire Insurance C...

1. A computer system, comprising:a data storage device storing: automobile payment-related data, including an amount due and a due date; data indicative of one or more past electric charge dates, past times and amounts of electric charge for an electric vehicle, and data indicative of upcoming maintenance, including a date and maintenance type, for an electric vehicle; a communications device in communication via a communications network with at least a user-accessible device and a mobile payment device; a memory storage device storing processor-executable instructions; one or more processors in communication with the data storage device, the communications device and the memory storage device, the instructions causing the one or more processors to: receive electric vehicle information, including electric vehicle charging information, including an amount of electric charge provided for the electric vehicle, a geographic location of an electric vehicle charging station, and a date and time of the charging, and identifier information for at least one of the electric vehicle and the mobile payment device, from the mobile payment device, via the communications device; associate, using the identifier information, the electric vehicle charging information with the automobile-related payment data stored in the data storage device;
generate data indicative of an integrated presentation of at least a portion of the electric vehicle charging information, including the amount of electric charge provided for the electric vehicle, the geographic location of the electric vehicle charging station and the date and time; the automobile-related payment data, including the amount due and the due date; the data indicative of one or more past electric charge dates, times and amounts of electric charge; and the data indicative of upcoming maintenance, including the date and maintenance type, for the electric vehicle; and provide the data indicative of the integrated presentation of the at least the portion of the electric vehicle charging information, including the amount of electric charge provided for the electric vehicle, the geographic location of the electric vehicle charging station and the date and time of the charging, the automobile-related payment data, including the amount due and the due date; the data indicative of one or more past electric charge dates, times and amounts of electric charge; and the data indicative of upcoming maintenance, including the date and maintenance type, for the electric vehicle to the communications device for transmission via the communications network to the user-accessible device to cause the user-accessible device to display the integrated presentation on a single screen; and a mobile payment device configured to, responsive to a swiping interaction with a public electric vehicle charging station, initiate a payment for electric charge at the public electric vehicle charging station and automatically initiate a payment for the automobile-related payment, and responsive to a different swiping interaction with a private electric vehicle charging station of an owner of the electric vehicle, automatically initiate a payment for the automobile-related payment;
wherein the mobile payment device is further configured to receive location information from a positioning system of the electric vehicle, and to receive the amount of electric charge provided for the electric vehicle and the date and time, and provide the received electric vehicle information to the communications device.

US Pat. No. 10,229,425

USER TERMINAL QUEUE WITH HYPERLINK SYSTEM ACCESS

Hartford Fire Insurance C...

1. A computer system, comprising:a multi-device interfacing computer system in communication with a claim data management server computer, the multi-device interfacing computer system operative to access the claim data management server computer to identify open claim files ripe for an interim survey, and, responsive to identifying an open claim file ripe for an interim survey, obtain a hyperlink pointing to the claim file location, in the claim data management server computer, and place the obtained hyperlink in a work queue on a first terminal;
a data acquisition processor operative to:
receive a plurality of first feedback responses and a plurality of second feedback responses to surveys, wherein:
each of the first feedback responses is an interim claims transaction feedback response received, in response to a first survey, by the data acquisition processor from a claimant before the insurance claim is resolved, and
each of the second feedback responses is received by the data acquisition processor after receiving the one of the plurality of first feedback responses associated with one of the insurance claims, and
assign at least one of the first feedback responses to a first category corresponding to an indicated need for attention and at least one other of the first feedback responses to a second category corresponding to an absence of a need for attention;
a router operative to route one of the plurality of claims to a second terminal in response to the first feedback response associated with the claim being classified in the first category,
wherein the second feedback response associated with one of the claims is received responsive to a survey dispatched after the routing of the claim to the second terminal in response to the first feedback response associated with the one of the claims being classified in the first category; and
wherein the data acquisition processor is further operative to classify the second feedback response as indicative of loyalty, and to classify a first feedback response in the second category as indicative of loyalty; and
a sales processor in communication with the data acquisition processor and the router and, responsive to the classification of a feedback response as indicative of loyalty, configured to generate a selling proposition for the survey respondent who provided the feedback response.

US Pat. No. 10,787,122

ELECTRONICS FOR REMOTELY MONITORING AND CONTROLLING A VEHICLE

HARTFORD FIRE INSURANCE C...

1. A system for automatically activating a dynamic adjustment based on a vehicle's telematics data, the system comprising:a receiver, configured to receive information associated with telematics data related to the vehicle;
a processor configured to determine, based at least in part on the telematics data, that the vehicle has reached a destination, a length of time spent at the destination and a time of day during which the vehicle is at a location and store in a computer memory;
the processor further configured to determine a direct exposure rating for the vehicle based on at least a determined destination, the length of time spent at the destination, and the time of day during which the vehicle is at the location;
the processor further configured to adjust an insurance pricing information related to the vehicle based on the direct exposure rating; and
a transmitter configured to transmit the adjusted pricing information to a user device and the adjustment associated with the direct exposure rating to the computer memory; and
wherein the adjustment is automatically activated to cause the adjustment to be instituted to enable a pricing adjustment of a policy.

US Pat. No. 10,650,460

SYSTEM TO ADMINISTER RISK TRANSFER AND PROPERTY SALVAGE RECOVERY

Hartford Fire Insurance C...

1. A computer system, comprising:a communication device to receive data indicative of a plurality of insurance claims submitted in connection with insurance policies, the received data including determinate data and indeterminate data;
a computer storage unit for receiving, storing, and providing said data indicative of the plurality of insurance claims;
a risk transfer opportunity platform processor in communication with the storage unit, wherein the processor is configured for:
based on the received determinate and indeterminate data, determining, employing a computerized predictive model trained on historical claim data including at least monetary information, demographic information, medical bill information, and claim notes, and prior risk transfer results, and further trained subsequently on current claim data and risk transfer results, whether, for a plurality of the insurance claims, there is another party potentially responsible for the insurance claim, the claims for which there is another party potentially responsible for the claim being identified as being associated with a potential risk transfer opportunity, and a likelihood of salvage recovery opportunities, wherein the historical claim data is scrubbed of erroneous values and subjected to data reduction to reduce variables associated with one another, categorizing of raw values to reduce granularity, and data transformations to improve interpretability, model fit or adherence to modeling assumptions prior to training the computerized predictive model;
responsive to the determination, proceeding to one of (a) or (b):
(a) for the insurance claims for which another party is determined to be potentially responsible, automatically arranging for a potential risk transfer user interface to be displayed to a claim handler, the potential risk transfer interface including fields for entry of data regarding at least a name of a potentially responsible party, a type of association with the claim of the potentially responsible party, and a liability percentage,
receiving, via the potential risk transfer user interface, recovery details from the claim handler, including an overall total damages value and a risk transfer value,
automatically generate in the potential risk transfer user interface a pop-up window that displays a set of planned activities including a review of risk transfer activity having a due date, priority, and assigned claim handler,
automatically generating a summary report associated with a plurality of insurance claims based in part on the overall total damages value and risk transfer value received from the claim handler, and
transmitting an indication of the summary report;
(b) for the insurance claims for which no other party is determined to be responsible, identify the claims for normal insurance claim processing, without automatically arranging for a potential risk transfer user interface to be displayed to a claim handler; and
a property salvage recovery opportunity platform processor configured to automatically communicate potential salvage recovery opportunities identified by the computerized predictive model to salvage specialists and determine property salvage recovery amounts based on information received from salvage specialists via a graphical user interface.

US Pat. No. 10,373,258

SYSTEM FOR DETERMINATION OF DYNAMIC USER INTERFACES AND SELECTIVE CALCULATIONS

Hartford Fire Insurance C...

1. A computer system for efficient processing of rules-based data input via one or more user interfaces for determination of workers compensation benefits, comprising:a memory device storing computer-readable instructions, which instructions, when executed by one or more processors executing a spreadsheet application program, cause the one or more processors to:
generate a user interface display comprising prompts for data indicative of responses to one or more questions, claim data and injured worker data, the one or more questions being determined based on an applicable jurisdiction;
based in part on responses to the one or more questions, generate prompts for input of responses to further questions and payroll date information;
generate a display of payroll periods, based at least in part on the claim data and payroll date information, with prompts for input of wage data for the injured worker;
receive user inputs of wage data;
based on the received user inputs, via formulas embodied in the instructions, generate pay period gross wage data for the injured worker;
based on the generated gross wage data, determine average weekly wage data for the injured worker; and
responsive to determination of the average weekly wage data, generate a formatted state form incorporating the determined average weekly wage data for the injured worker;
wherein the instructions comprise at least a first computer-readable file defining a plurality of spreadsheet tables, having internal references, and the instructions embodied in one of the spreadsheet tables comprise rules, arranged by state in rows or columns, defining overall period units, a frequency lock value for the overall period units, and display controls for display of data elements comprising hourly rate data, regular hours data, overtime hours, and double time hours, operable to provide for updates to a single one of the spreadsheet tables responsive to a change in a rule in any state, and a single one of the spreadsheet tables includes rules operative for differentially configuring user interfaces for different jurisdictions;
the instructions further comprising a reflexive question table, defined by a single spreadsheet table including data defining a logic tree connecting questions dependent on answers, jurisdictions to which a question is applicable, texts of questions for display and display formats for responses.

US Pat. No. 10,325,321

SYSTEM AND METHOD FOR PROVIDING AND ACTIVATING COMMODITIZED INSURANCE

HARTFORD FIRE INSURANCE C...

1. A product provided by a carrier, the carrier receiving payment for the product and identifying an activation code, via a web server upon a consumer purchase of the product, the product comprising:a plurality of parameters defining the product; and
an activation code associated with the product, the activation code identifying the plurality of parameters defining the product to the web server upon initiation of the product,
wherein the web server provides a set of verification queries associated with the activation code, the set of verification queries related to the plurality of parameters allowing the carrier to screen for eligibility of the product when a user device is used to attempt to activate the product and receives responses to the verification queries, and on a condition that the received responses to the provided set of verification queries are in accordance with the product, the product is activated.

US Pat. No. 10,217,171

SYSTEM TO ADMINISTER INSURANCE KNOWLEDGE MANAGEMENT TOOL

Hartford Fire Insurance C...

16. A system for insurance knowledge management, comprising:a communication device to receive a communication from a customer in connection with an insurance policy;
a computer storage unit for receiving, storing, and providing data indicative of the communication from the customer;
a knowledge management database storing insurance knowledge management enterprise portal information; and
a knowledge management platform processor in communication with the communication device, the storage unit, and the knowledge management database, wherein the processor is configured for:
receiving the communication from the customer in connection with the insurance policy;
responsive to receiving the communication from the customer, rendering, by a knowledge management platform processor for display to a service representative device, a knowledge management portal home page which includes (i) a plurality of hoverable icons including an open call icon, an identify caller icon, and a determine call reason icon, wherein each hoverable icon is configured for dynamically rendering, responsive to movement of a cursor over the respective hoverable icon, a hover-over window including information to facilitate interaction with the customer to obtain caller identity data and call reason data, and wherein each hoverable icon is configured to close the hover-over window responsive to movement of the cursor away from the respective hoverable icon, and (ii) a line of business dashboard including a listing of line of business links, each link corresponding to a different line of business, wherein selection of one link of the listing of links causes navigation to a corresponding line of business page display including information about the line of business;
receiving, by the knowledge management platform processor from the service representative device, a selection of a line of business;
determining a type of insurance event associated with the communication from the customer, the insurance event being associated with insurance claim processing,
automatically determining a role identifier associated with the service representative device,
automatically determining an insurance policy identifier associated with the insurance policy,
rendering, for display on the service representative device, customized data associated with the insurance knowledge management enterprise portal, said customized data being based at least in part on the determined type of insurance event and information accessed using the automatically determined role identifier and insurance policy identifier, said customized data including:
(i) a scripting procedures dashboard including a list of selectable scripts, wherein selection of one of the scripts causes a pop-up display of a corresponding script to be displayed over at least a portion of a currently displayed page; and
(ii) a dynamically updated tools dashboard displaying a list of most accessed information links, wherein selection of one link of the listing of most accessed information links causes navigation to a corresponding page display, wherein links on the list of most accessed information links are selected based upon the role identifier associated with the service representative device and the type of insurance event, and wherein the list of most accessed information links provided on the tools dashboard is dynamically updated based upon data collected by an analytics engine indicating a number of times each link available through the knowledge management platform was accessed by service representative devices during a pre-defined period of time.

US Pat. No. 10,176,529

WORKPLACE ACTIVITY EVALUATOR

HARTFORD FIRE INSURANCE C...

1. An activity evaluation computer system, comprising:an electronic evaluation module configured to:
collect, from at least a first workplace sensor and a second workplace sensor, activity data corresponding to activity of a worker at a workplace associated with a workplace entity while the worker is performing work related activities associated with the workplace, the worker associated with but distinct from the workplace entity, each of the first workplace sensor and the second workplace sensor comprising one of a sensor on a piece of equipment, a location sensor, an RFID sensor, a physiological sensor, a weight sensor, a chemical sensor, a heat sensor, a pressure sensor, and a camera;
analyze the collected activity data to determine an activity evaluation indicative of an activity safety level of the worker while the worker is performing the work related activities associated with the workplace;
output the activity evaluation; and
a communications module configured to communicate at least one of the collected activity data and the activity evaluation to a computer system, operated by a second entity distinct from both the workplace entity and the worker, the second entity computer system adjusting risk-related parameters associated with risk coverage corresponding to the workplace entity based on the at least one of the collected activity data and the activity evaluation.

US Pat. No. 10,740,845

SYSTEM FOR MOBILE DEVICE ENABLED BIOMETRIC MONITORING

Hartford Fire Insurance C...

1. A system for mobile device enabled biometric monitoring, comprising:at least one mobile device coupled to a biometric sensor, the at least one mobile device including a medical monitoring application for collection of biometric data for an individual from the biometric sensor;
a data storage device storing static data corresponding to a plurality of individuals;
a biometric results monitoring computer configured to:
receive, from the at least one mobile device, the biometric data for the individual collected by the at least one mobile device;
collect, from the data storage device storing static data corresponding to the plurality of individuals, static data corresponding to the individual;
update a medical profile corresponding to the individual based on an analysis of the biometric data for the individual and the static data corresponding to the individual;
periodically determine, based on the updated medical profile, a term of a policy corresponding to the individual; and
transmit the medical monitoring application to the at least one mobile device and cause the medical monitoring application to be configured on the at least one mobile device to control the collection of medical data.

US Pat. No. 10,430,888

SYSTEM FOR ACCESSING AND VALIDATING CLIENT DATA WITH THIRD PARTY SYSTEMS

Hartford Fire Insurance C...

1. A computer system, the system comprising:(a) an insurance processing computer system, comprising:
at least one processor;
a memory coupled to the at least one processor;
and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the at least one processor, the one or more programs including instructions for:
receiving a tuition debt policy request from an individual via a mobile computing device executing an application program configured for display of fields for entry of covered individual information, including name, a school attended by the individual, a major, and a performance characteristic associated with the individual at the school and for transmission of data entered in the displayed fields to the insurance processing computer system, the request being received during an enrollment period prior to a graduation date of the covered individual;
generating pricing information based at least in part on the request data;
providing the pricing information and one or more tuition debt insurance coverage options corresponding to the pricing information to the mobile computing device for display by the application program of the one or more tuition debt insurance coverage options and a user-selectable display element associated with each of the one or more tuition debt insurance coverage options for transmission of a selection of one of the one or more tuition debt insurance coverage options;
receiving the selection of the selected one of the tuition debt insurance coverage options from the mobile computing device;
storing, in a policy record data storage device, a policy record associated with the selected tuition debt insurance coverage option, the policy record including graduation and job search requirements to qualify for claim payments;
transmitting to the mobile computing device an indication of coverage for the individual for the tuition debt coverage option, the coverage being active after the graduation date and job search requirements have been validated; and
performing an audit function, after policy issue, by causing the mobile application to generate a display on the mobile computing device for the user to respond to one or more questions to confirm one or more of: current enrollment school, current enrollment status, current major and current grade point average; receiving from the mobile computing device data responsive to the one or more questions; comparing the received data with stored data relating to the policy; responsive to, based on the comparison, determining that the data is unchanged or within one or more thresholds, determine that there is no premium change and generate a message for display on the mobile computing device stating that there is no premium change; and responsive to, based on the comparison, determining that one or more data items have changed, performing a premium recalculation, and notifying the covered individual of the recalculated premium;
(b) an information server system, in communication with the insurance processing computer system, comprising:
at least one processor;
a memory coupled to the at least one processor;
and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the at least one processor, the one or more programs including instructions for:
during a time period after the enrollment period and after a graduation date, accessing and storing job search data from data sources including job search sites and job agency databases relating to a covered individual, based on data received from the insurance processing computer system;
and
(c) a claims management server system, comprising:
at least one processor;
a memory coupled to the at least one processor;
and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the at least one processor, the one or more programs including instructions for:
receiving information identifying a claim and a tuition debt coverage policy from a user device operated by a covered individual;
retrieving, from a policy database, information associated with the tuition debt coverage policy;
requesting covered individual information related to at least a graduation date and job search data from the information server system;
validating the covered individual information related to the graduation date and job search data, including obtaining data relating to covered individuals connections on a business social media site;
determining a claim payment amount based on the validated covered individual information, the determining based at least in part on a number of the connections of the covered individual data on the business social media site, weighting the connections based on pertinence of field of the connections to a degree of the covered individual; and
issuing claim payment instructions for the determined claim payment amount.

US Pat. No. 10,399,493

ELECTRONICS FOR REMOTELY MONITORING AND CONTROLLING A VEHICLE

HARTFORD FIRE INSURANCE C...

1. A system configured to monitor use conditions of a vehicle and provide feedback to a user of the vehicle to maintain use within certain parameters, said system comprising:a plurality of sensors located proximate to the vehicle, each sensor configured to monitor at least one vehicle parameter, each sensor generating a signal encapsulating the monitored vehicle parameter;
a control unit that receives the generated signal from each of a plurality of sensors, the control unit selectively combining the received signal with other signals received from others of the plurality of sensors;
a transmitter coupled to the control unit capable of transmitting the selectively combined signal;
a transceiver remote from the vehicle that receives the transmitted selectively combined signal and a processor that processes the selectively combined signal to capture the signal from each of the plurality of sensors, and compares the condition identified by the captured signals to received conditions from other vehicles and provides a signal to the transceiver to broadcast to the vehicle providing feedback to adjust the use of the vehicle based on the comparison, wherein the comparison of the condition utilizes a plurality of relativity factors, wherein each of the relativity factors is a numerical value generated based on the comparison of the condition for the vehicle to the conditions for other vehicles corresponding conditions; and
a user interface for providing feedback to a user including at least one indication associated with the signal.

US Pat. No. 10,394,871

SYSTEM TO PREDICT FUTURE PERFORMANCE CHARACTERISTIC FOR AN ELECTRONIC RECORD

HARTFORD FIRE INSURANCE C...

1. A system for predicting a future performance characteristic associated with an electronic record, comprising:a text mining platform, including:
a text mining communication device to receive text input data associated with the electronic record from multiple sources;
a text mining processor coupled to the text mining communication device; and
a text mining storage device in communication with said text mining processor and storing instructions adapted to be executed by said text mining processor to:
(i) aggregate and map the received text input data to create composite text input data,
(ii) automatically detect a semantic event in the composite text input data triggered by a semantic rule and associated semantic tag,
(iii) flag the detected semantic event as meeting a pre-determined condition,
(iv) update a text mining result database, responsive to the flag, by adding an entry to the database identifying the detected semantic event and the triggering semantic rule, and
(v) transmit an indication for the electronic record based on the associated data in the text mining result database; and
a back-end application computer server coupled to the text mining platform, including:
a back-end communication device to receive the indication for the electronic record transmitted by the text mining platform;
a back-end processor coupled to the back end communication device; and
a back-end storage device in communication with said back-end processor and storing instructions adapted to be executed by said back-end processor to:
(i) determine at least one parameter corresponding to a characteristic of the electronic record,
(ii) execute a computerized predictive model to predict a future performance characteristic indicator for the electronic record based on the at least one parameter and the indictor received from the text mining platform, wherein the future performance characteristic indicator is indicative of a likelihood of an actual value of the electronic record differing from a predicted value of the electronic record, wherein the computerized predictive model is generated based at least in part on an analysis of medical spending costs for a plurality of insurance claims and the volatility indictor is used to provide a degree of certainty in connection with at least one of: (i) a loss ratio prediction, and (ii) a return on equity prediction, and
(iii) output an indication of the predicted future performance characteristic indictor for the electronic record,
wherein the predicted future performance characteristic is a volatility indictor, the electronic record is associated with an insurance claim, and the volatility indicator is indicative of a likelihood of an actual total resolution cost of the insurance claim differing from a predicted total resolution cost of the insurance claim.

US Pat. No. 10,395,318

SYSTEM AND METHOD FOR ADMINISTERING INSURANCE DISCOUNTS FOR MOBILE DEVICE DISABLING TECHNOLOGY

Hartford Fire Insurance C...

1. A system for providing for implementation and verification of use of a mobile device disabling technology, comprising:a mobile device, wherein the mobile device is configured to:
execute instructions of an installed mobile device disabling application, the mobile device disabling application: causing the mobile device to communicate with a vehicle computer system, disabling one or more communications capabilities of the mobile device responsive to receipt from the vehicle computer system of data indicative of the vehicle being in a gear other than park;
execute instructions of an installed verification application to compare to verification rules results of: checking configuration settings of the mobile device; checking logs of sent and received calls, text messages, website activity and application activity of the mobile device to check that the mobile device disabling application is installed and operating; checking for one or more empty logs, including at least an empty text message log, on the mobile device to verify absence of tampering; and causing the mobile device to transmit results of the verification, the transmitted results of the verification, responsive to determining that a text message log is empty, an indication that an empty text message log has been identified;a central computer system, in communication with the mobile device, comprising:one or more data storage devices storing a database comprising data indicative of remote users, and mobile device disabling technology associated with remote users and third parties;
and a rules processor configured to:
initiate a communication to a third party having data indicative of whether the mobile device disabling application is activated or has been disabled;
wherein:
the central computer system further comprises one or more data storage devices storing a database having data indicative of a plurality of mobile device disabling technologies, a plurality of discount levels and correlations between each of the mobile device disabling technologies and the discount levels, the correlations comprising: (a) mobile device disabling technologies that completely disable any use of a mobile device while driving corresponding to a first discount level; (b) mobile device disabling technologies that allow use of a mobile device and convert text to speech while driving corresponding to a second discount level representing a lesser discount than the first discount level; and (c) mobile device disabling technologies that block text communications while driving with no blocking of voice or social media, corresponding to a third discount level representing a discount between the first discount level and the second discount level;
the rules processor is further configured to:
correlate the remote user's selected mobile device disabling technology to one of the plurality of discount levels;
determine an insurance premium for an insurance policy based on the correlated discount level;
transmit the determined premium to the remote user;
receive the result of the verification from the mobile device;
based on the result of the verification, maintain the determined premium, or modify the determined premium by discontinuing the determined premium or applying a different one of the plurality of discount levels; and
transmit by the communications interface to the mobile device data indicative of the modified discount level.

US Pat. No. 10,339,605

COMPUTER SYSTEM FOR GENERATING NON-KEYBOARD TYPE DATA ENTRY INTERFACES ON REMOTE USER DEVICES

HARTFORD FIRE INSURANCE C...

1. A computer system, comprising:one or more data storage devices for storing data indicative of inputs received from a user device;
one or more computer processors in communication with the one or more data storage devices;
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:
transmit to a user device for display a data entry interface, the data entry interface including user selectable graphical elements not displayed as a keyboard;
receive from the user device data indicative of user selections of the user selectable graphical elements not displayed as a keyboard;
responsive to receipt of the user selections of the user selectable graphical elements not displayed as a keyboard, representative of a request for a quote for insurance, interrogate the user device for user information;
receive, responsive to the interrogation of the user device, user information;
initiate a request to a third party data source for information relating to the user;
receive, in response to the request, data indicative of the information relating to the user from the third party data source;
provide, to an insurance data management system, the data indicative of user selections of the user selectable graphical elements not displayed as a keyboard, the user information received from the user device identifying information received in response to the interrogation and the data indicative of the information relating to the user received responsive to the request to the third party data source;
receive, in response to the providing, from the insurance data management system, an insurance quotation; and
output the insurance quotation to the remote user device for display.

US Pat. No. 10,331,664

SYSTEM AND METHOD OF INSURANCE DATABASE OPTIMIZATION USING SOCIAL NETWORKING

HARTFORD FIRE INSURANCE C...

1. A system for collecting statistics on a database for performing at least one structured query language (SQL) query, the system comprising:a memory for storing data in a database organized in a plurality of tables; and
a processor coupled to the memory, the processor, accessing the memory, to:
process the at least one SQL query related to insurance data;
determine one or more interrelationships of the plurality of tables in the database by parsing the SQL query and identifying common dependencies of the tables after parsing the SQL query, wherein the determining interrelationships and identifying common dependencies at least includes identifying perfect communities and imperfect communities and for imperfect communities identifying one or more of the plurality of tables that reference another community;
transform the determined interrelationships of the plurality of tables into a group representing communities of tables based on the common dependencies by quantifying a risk of the imperfect communities and adding in additional tables with the plurality of tables;
perform the at least one SQL query on the transformed group of tables.

US Pat. No. 10,793,423

MICROELECTROMECHANICAL ACCELEROMETER BASED SENSOR SYSTEM

Hartford Fire Insurance C...

1. A non-transitory, computer-readable medium storing instructions, that, when executed by a processor, cause the processor to perform a Micro-Electro-Mechanical-System (“MEMS”) based method for detecting and analyzing activity levels, the method comprising:collecting, by a wearable MEMS sensor, user activity data of a user wearing the MEMS sensor;
wirelessly transmitting, from a transceiver of the wearable MEMS sensor to a mobile electronic device, the collected user activity data, wherein the mobile electronic device is adapted to display the user activity data;
forwarding, from the mobile electronic device to a data adapter of a remote server system device via a wireless router, the collected user activity data;
analyzing, by the remote server system device, the user activity data to determine an associated activity classification, each activity classification corresponding to a pre-determined condition and an associated condition benefit; and
automatically generating, by a computer processor of the remote server system device, an exception condition for an investigator upon detection of a potential fraudulent condition based on a comparison of the sensed user activity data with a historical profile of that particular user's past activities and a predictive model.

US Pat. No. 10,692,150

SYSTEM AND METHOD FOR PREDICTIVE ANALYSIS OF CROWD SOURCED DATA FOR PREEMPTIVE LOSS CONTROL

Hartford Fire Insurance C...

1. A system for intelligently compiling and assessing Internet crowd sourced data to proactively identify and alert policy holders of actuarially-significant events, the system comprising:a data storage device configured to store crowd sourced data and policy data;
at least one processor coupled to the data storage device;
a communications interface unit coupled to the at least one processor;
a memory coupled to the at least one processor;
and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the at least one processor, the one or more programs including instructions for:
accessing, by the communications interface unit, crowd sourced data on a plurality of crowd sourced data sources on the Internet, said crowd sourced data including at least one of picture data, video data, and text data, wherein some or all of the crowd sourced data includes metadata indicating a location corresponding to the crowd sourced data;
storing the crowd sourced data on the data storage device;
evaluating, by a rules processor configured to apply one or more computerized predictive models, the crowd sourced data to detect one or more actuarially-significant events; and
for each one of the one or more actuarially-significant events:
classifying a severity level for each of the detected actuarially-significant events comprising one of a class 1 severity, class 2 severity, and class 3 severity, wherein events having the class 3 severity have a highest severity;
executing a location routine to perform the steps of:
determining location data for a location associated with one or more crowd sourced data items associated with the detected one of the actuarially-significant events based upon metadata associated with the one or more crowd sourced data items; and
correlating the location data associated with the detected one of the actuarially-significant events with policy data in the data storage device corresponding to an in force coverage policy by comparing the location data with address data associated with in-force coverage policies to determine a policyholder associated with the detected actuarially-significant event;
determining a positive or negative transmit warning flag value associated with the determined policyholder based on factors including a number of detected actuarially-significant events in each of the severity classes and weighting factors applied to at least some of the number of detected actuarially-significant events in each of the severity classes, the weighting factors dependent at least on recency of the detected actuarially-significant event; and
generating, for policyholders having a determined positive transmit warning flag value, for transmittal by the communications interface unit to an address associated with a policyholder computing device based on the actuarially-significant event, an electronic communication including a loss control message corresponding to one or more actuarially-significant events associated with the policyholder;
wherein the loss control based message triggers a claims workflow process related to a first notice of loss;
wherein the claims workflow process comprises initiating a claims adjuster process; and
wherein the claims adjuster process uses the crowd sourced data at least in part to determine a potential claim payment to be made to at least one policyholder.

US Pat. No. 10,650,329

SYSTEM TO FACILITATE PREDICTIVE ANALYTIC ALGORITHM DEPLOYMENT IN AN ENTERPRISE

Hartford Fire Insurance C...

1. A system to facilitate predictive analytics for an insurance enterprise, comprising:(a) an analytics computing environment data store containing a set of electronic data records, each electronic data record being associated with a predictive analytic algorithm and including an algorithm identifier and a set of algorithm characteristic values, wherein: (i) an experimental predictive analytic algorithm may be promoted to an underwriting production predictive analytic algorithm, and (ii) an underwriting production predictive analytic algorithm may be demoted to an experimental predictive analytic algorithm;
(b) an analytics environment computer, coupled to the coupled to the analytics computing environment data store, programmed to:
(i) receive an adjustment from a user associated with the insurance enterprise, the adjustment changing at least one of the set of algorithm characteristic values for a predictive analytic algorithm, and
(ii) initiate deployment of the predictive analytic algorithm in an enterprise operations workflow; and
(c) an enterprise operations workflow computer, coupled to the analytics environment computer, programmed to:
(i) receive the deployment initiation from the analytics environment computer, and
(ii) execute an operations workflow in association with the deployed predictive analytic algorithm to generate at least one result, wherein the predictive analytic algorithm stores its own output as an input, allowing for self-tuning while deployed in the enterprise operations workflow computer,
wherein the deployed predictive analytic algorithm is to monitor the result and generate an alert signal when the result exceeds a boundary condition, and the alert is further to automatically promote or demote the predictive analytic algorithm as appropriate.

US Pat. No. 10,592,991

SYSTEM AND METHOD FOR DETECTING POTENTIAL PROPERTY INSURANCE FRAUD

Hartford Fire Insurance C...

1. A method for assessing a condition of an insured property for insurance purposes, the method comprising the steps of:determining, by a computer processor, a first spectral signature indicative of a first concentration of a molecular constituent at the insured property at a first timestamp;
determining, by the computer processor, a second spectral signature indicative of a second concentration of the molecular constituent at the insured property at a second timestamp later than the first timestamp;
determining, by the computer processor, a spectral difference between the first spectral signature and the second spectral signature, the spectral difference corresponding to a difference between the first and second concentrations of the molecular constituent; and
determining, by the computer processor, whether the spectral difference exceeds a first predetermined threshold value, which is indicative of a change in the condition of the insured property.

US Pat. No. 10,380,699

VEHICLE TELEMATICS ROAD WARNING SYSTEM AND METHOD

HARTFORD FIRE INSURANCE C...

1. A road condition warning computer system, comprising:one or more non-transitory data storage devices storing processed telematics data, wherein the processed telematics data is based on location data and kinematic data received from a sensor within a first vehicle;
one or more computer processors in communication with the one or more data storage devices;
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:
identify, based on the stored processed telematics data, deceleration related safety events associated with the first vehicle and a location corresponding to each of the identified deceleration related safety events; and
receive, based on telematics data received from sensors in other vehicles, deceleration related safety events data of the other vehicles and a location corresponding to each of the identified deceleration related safety events, and
identify whether deceleration related safety events of the first vehicle and of the other vehicles have occurred at a same location;
responsive to a determination that a threshold number, greater than one, of deceleration related safety events have occurred at the same location, automatically generate and transmit a notification to a community resource computer system containing data indicative of the location and the deceleration related safety events.

US Pat. No. 10,354,328

SYSTEM FOR PROCESSING REMOTE SENSOR DATA

Hartford Fire Insurance C...

1. A system for processing data comprising:a storage device storing a database identifying a plurality of technologies that reduce risk of loss to an associated structure, wherein the structure comprises one of a commercial building, a residential building, a vehicle, a marine craft, and an aircraft;
a computer processor in communication with the data storage device, configured to:
perform real time polling of a plurality of sensor technologies incorporated in the structure;
receive a monitoring data alert electronically output by at least one of the plurality of sensor technologies incorporated in the structure, the monitoring data alert indicative of a current risk relating to the structure;
perform real time polling of remedial technology for taking remedial action to mitigate the current risk;
receive remedial action monitoring data electronically output by the at least one of the incorporated sensor technologies responsive to the real time polling of the remedial technology for taking remedial action and indicative of whether a remedial action has been taken to mitigate the current risk;
input, into a neural net trained on data structures indicative of an unmitigated factor pertaining to a structure and a mitigated factor based on incorporation of the technologies in the building structure, the monitoring data alert and the remedial action monitoring data, wherein the neural net comprises one of (a) a multilayer neural net including a neural net input layer having a plurality of computational processing units having a one-to-one correspondence to technology mitigation data; (b) a technology classifier having a set of technology mitigation vectors, each vector specific to one building configuration, and inputs having a one-to-one correspondence with classification of mitigation technology values, or (c) a decision tree classifier developed during a construction phase requiring that a set of building structures and corresponding combination of technologies by recursively partitioned into two or more subpartitions;
determine, by the neural network, executed by the computer processor, an operational status of the sensor technologies and data indicative of whether the remedial action has been taken to mitigate the current risk; and
a data storage device storing data indicative of terms of an insurance policy issued to an insured and covering the structure;
wherein the computer processor is further configured to determine, based on the operational status of the sensor technologies and the insurance policy data in the database, whether an alteration in the data indicative of at least one of the terms of the insurance policy, after issue of the insurance policy, is warranted and, responsive to determination that an alteration in the data indicative of at least one of the terms of the insurance policy is warranted, alter data indicative of the at least one of the terms.

US Pat. No. 10,740,848

SECURE REMOTE MONITORING DATA VALIDATION

Hartford Fire Insurance C...

14. A secure data validation system, comprising:an application server configured to:
provide a graphical user interface (GUI) to policyholders, the GUI configured to display identification of a plurality of service providers for providing remote property monitoring services for a plurality of properties of the policyholders, and to provide direct routing to a web site of one of the plurality of service providers, responsive to a selection by one of the policyholders of the one of the plurality of service providers via the GUI,
obtain, from a database coupled to the application server, information corresponding to the plurality of properties of the policyholders covered under a plurality of property insurance policies issued by an insurance company, the information indicating that the properties are receiving a first type of remote monitoring services from at least one of the service providers and that at least one insurance benefit has been applied to each of the property insurance policies due to the receipt of the first type of remote monitoring services;
encrypt, using an encryption protocol, identifying data relating to the property insurance policies;
receive, from a server of one of the service providers at least more than once during a term of each of the property insurance policies, encrypted identifying data relating to properties receiving remote monitoring services from the one of the service providers, encrypted according to the encryption protocol;
validate, at least more than once during the term of each of the property insurance policies, that a corresponding one of the plurality of properties is currently receiving remote monitoring services from the one of the service providers, based on a comparison of the encrypted identifying data received from the one of the service providers and the encrypted identifying data relating to the property insurance policies;
store, in the database, validation results data based on the validating; and
an insurance administration computer system in communication with the application server configured to:
responsive to the validation results data indicating that at least one of the plurality of properties is currently receiving the first type of remote monitoring services from the one of the service providers, determine that an insurance policy benefit applied to a corresponding one of the plurality of property insurance policies remains unchanged; and
responsive to the validation results data indicating that at least one of the plurality of properties is (i) not currently receiving remote monitoring services from the one of the service providers or (ii) currently receiving remote monitoring services from the one of the service providers different from the first type of remote monitoring services, determine an adjustment to a corresponding one of the plurality of property insurance policies.

US Pat. No. 10,706,474

SUPPLEMENTAL REVIEW PROCESS DETERMINATION UTILIZING ADVANCED ANALYTICS DECISION MAKING MODEL

Hartford Fire Insurance C...

1. A system to automatically identify electronic records to be routed to a supplemental insurance review process comprising:(a) a data store containing a plurality of historical electronic records comprising determinate historical data originating from determinate data sources, and indeterminate historical data originating from indeterminate data sources, and a batch of electronic records representing a potential new risk association with an entity, wherein each record in the batch of electronic records contains a record identifier and a set of record characteristic values including at least:
one record characteristic value representing a characteristic of the entity,
one record characteristic value representing an original source of the each record, and
one record characteristic value representing third-party data;
(b) an application computer server coupled to the data store including at least one processor and a non-tangible, computer readable medium storing programmed instructions configured to:
extract the indeterminate historical data from raw files;
store the indeterminate historical data, the determinate historical data, and the data representing potential new risk associations in the data store;
train a plurality of independent analytics decision making models using the stored indeterminate and determinate historical data, wherein the plurality of trained independent analytics decision making models apply statistical techniques including at least machine learning, and wherein at least one of the plurality of independent analytics decision making models is associated with a probability, p, of an electronic record representing a potential new risk undergoing a supplemental review process defined as:

 wherein ?i are weighing values and xi are associated with the record characteristic values;
apply the plurality of independent analytics decision making models to the each record and its corresponding set of record characteristic values;
combine, by a data fusion component, output from the plurality of independent analytics decision making models based on a priority assigned to each model;
determine, based upon the combined output of the data fusion component, a score value associated with the each record;
generate a ranked list of the score values associated with the each record beginning with those representing a potential new risk association most likely to benefit from the supplemental review process and ending with those least likely to benefit from the supplemental review process;
transmit the ranked list to an interactive user interface display;
automatically route the each record in the ranked list having a score value above a pre-determined threshold to a remote administrator computer to undergo the supplemental review process;
monitor performance outcomes including at least one of risk profitability, risk quality and policy growth for the potential new risk association represented by the batch of electronic records to which the plurality of independent analytics decision making models were applied;
reanalyze the performance outcomes, the historical data, and the ranked list of score values associated with the each record identified for supplemental review to measure the accuracy of each of the trained independent analytics decision making models; and
fine tune the independent analytics decision making models and the data fusion component to improve the accuracy of identifying records for supplemental review;
(c) a communication port coupled to the back-end application computer server and the data store to facilitate the transmission of data to the interactive user interface display and the routing of electronic records.

US Pat. No. 10,621,669

SYSTEMS AND METHODS FOR STATUS DATA GRAPHICAL INTERFACE

Hartford Fire Insurance C...

1. A computer system, comprising:a coverage database storing coverage data corresponding to a plurality of coverage policies;
a claim database storing claim processing data for a plurality of coverage claims; and claim workflow data corresponding to a claim workflow, the claim workflow defining a series of steps associated with processing of coverage claims, and a temporal ordering of the series of steps;
an application server configured to access coverage data in the coverage database, access the claim processing data in the claim database, and generate claim status data;
a web server configured to:
receive login data from a user computing device of a user to access a coverage policy web page corresponding to the user's coverage policy;
generate web page source code for rendering of the coverage policy web page to be executed by a web browser, the coverage policy web page including a selectable option to request a status of a claim corresponding to the user's coverage policy;
responsive to receipt of selection of the request for the status of the claim:
forward the request for the status of the claim to the application server;
receive from the application server claim status data;
generate status source code for rendering a graphical depiction of the claim status data, including:
steps source code to render a first graphical depiction of each of the series of steps of the claim workflow, including each of the series of steps which have been completed and each of the series of steps which have not been completed, each of the series of steps arranged in accordance with the temporal ordering of the series of steps; and
dynamic animation function source code to render a second graphical depiction of a dynamic representation element distinct from the first graphical depiction of each of the series of steps of the claim workflow, the dynamic representation element comprising a unitary graphical element which dynamically varies in size to correspond to all of the series of steps of the claim workflow that have been completed;
transmit the status source code to the web browser of the user computing device to cause the web browser to render the first graphical depiction of each of the series of steps of the claim workflow and to render the second graphical depiction of the dynamic representation element dynamically adapted to correspond to all of the series of steps of the claim workflow that have been completed.

US Pat. No. 10,623,555

CONTROLLING A GRAPHICAL USER INTERFACE FOR WORKFLOW

Hartford Fire Insurance C...

1. A system having a graphical user interface for providing a call center supplemental web-based workflow tool, the system comprising:a display device;
an input device;
a database that stores a decisional matrix in a non-web format, the decisional matrix describing a plurality of decisional paths and comprising a plurality of questions and a plurality of scripts related to an employee management workflow; and
a processor coupled to the database, the display device, and the input device;
the display device providing a web-based graphical user interface for providing a call center supplemental workflow tool, wherein the web-based graphical user interface is displayed automatically upon receipt of a phone call to the call center;
wherein the processor receives from the database: the decisional matrix, the plurality of questions, and the plurality of scripts related to the employee management workflow, wherein receiving the decisional matrix comprises receiving the decisional matrix in a web format for display within a web-based browser, wherein the web format is generated by converting, using a conversion program, the decisional matrix in the non-web format to a standard data interchange format comprising components loadable by a web-based browser and wherein the web format is updatable by modifying the decisional matrix in the non-web format and converting the modified decisional matrix to the web format;
the graphical user interface providing at least one element selected from the group consisting of: at least one question selected from the plurality of questions and at least one script selected from the plurality of scripts, wherein at least one element is provided in a prompt format identified based upon a logical programming of the decisional matrix;
the graphical user interface receiving user input through the input device responsive to the at least one element;
the processor validating the user input, wherein the validating comprises comparing a format of the user input to a predetermined format corresponding to the prompt format;
the processor determining, responsive to validating the user input, at least another element selected from the group consisting of: another at least one question and another at least one script to be displayed on the graphical user interface, wherein the at least another element is determined based upon the received user input and the decisional matrix and advances the workflow, wherein the at least another element is provided sequentially after receipt of the user input responsive to a previously presented at least one element;
the processor, based upon the decisional matrix, determining that the workflow has been completed;
the graphical user interface providing an output of the questions displayed and user input received; and
the output being provided to a primary software application.

US Pat. No. 10,616,373

SYSTEM TO DYNAMICALLY ADJUST REQUEST VALUES AT A BACK-END APPLICATION SERVER

Hartford Fire Insurance C...

1. A system to improve an accuracy of information generated by a back-end application computer server, comprising:(a) a communication port to facilitate receipt of a plurality of data streams of electronic messages, each data stream being received from one of a plurality of remote third-party administrator computer servers via a distributed communication network;
(b) a rules computer store to store different sets of pre-determined rules for different third-party administrator computer servers;
(c) the back-end application computer server, coupled to the communication port, the data stream computer store, and the rules computer store, programmed to:
(i) determine information associated with a set of requests from a first third-party administrator computer server, each request being associated with a request value,
(ii) retrieve from the rules computer store a first set of pre-determined rules for the first third-party administrator computer server,
(iii) automatically apply the first set of pre-determined rules to the set of requests from the first third-party administrator computer server, said application resulting in at least one adjusted request value for the set of requests and an overall value based at least in part on the request values and the adjusted request value associated with the set of requests,
(iv) automatically transmit a settlement instruction, including the overall value, to an electronic transaction system, and
(v) as a result of application of the first set of pre-determined rules, automatically transmit a flag to an electronic messaging communication server;
(d) the electronic transaction system to receive the settlement instruction and to execute a settlement transaction in accordance with the overall value; and
(e) the electronic messaging communication server to receive said flag, and as a result of receiving said flag, trigger an electronic notification from the electronic messaging communication server to the remote computer device associated with the first third-party administrator computer server.

US Pat. No. 10,581,629

BUILDING CONDITION SENSOR MONITORING AND CONTROL SYSTEM

Hartford Fire Insurance C...

1. A dynamic building control system for detecting one or more conditions associated with one or more building regions of a building property, comprising:a plurality of sensors configured to monitor the one or more building regions of the building property, wherein each of the plurality of sensors is configured to generate electronic signals corresponding to one or more sensed conditions of the one or more building regions;
a plurality of electronic and electromechanical devices configured to control one or more building components;
a wireless network in communication with the plurality of sensors and the plurality of electronic and electromechanical devices; and
an electronic control center in communication with a remote server system and a remote data system, wherein the electronic control center is configured to:
receive, from the wireless network, initial electronic signals corresponding to the one or more sensed conditions of the one or more building regions;
determine whether the initial electronic signals indicate a presence of a risk condition corresponding to the one or more building regions;
responsive to a determination that the initial electronic signals indicate the presence of a risk condition, transmit via a communications interface device to a user computing device, a risk condition message indicating the presence of the risk condition;
receive, by the communications interface device from the user computing device, instructions for generating control signals to control one or more of the plurality of electronic and electromechanical devices to mitigate the risk condition;
generate and transmit, via the wireless network to the one or more of the plurality of electronic and electromechanical devices, the control signals to control the one or more of the plurality of electronic and electromechanical devices to mitigate the risk condition;
receive, after implementation of the control signals by the one or more of the plurality of electronic and electromechanical devices, additional electronic signals from the plurality of sensors corresponding to the one or more sensed conditions of the one or more building regions; and
transmit, via the communications interface device to the remote server system, additional activity data corresponding to the building control system including the electronic signals, the determination of the presence of the risk condition, the control signals to mitigate the risk condition, and the additional electronic signals;
wherein the remote server system is configured to determine, based upon the additional activity data, whether the risk condition was mitigated by the implementation of the control signals, and responsive to a determination that the risk condition was not mitigated by the implementation of the control signals, modify one or more stored parameters associated with the building property.

US Pat. No. 10,574,539

SYSTEM COMPLIANCE ASSESSMENT UTILIZING SERVICE TIERS

Hartford Fire Insurance C...

1. A system to automatically assess a selected system for an enterprise via an automated back-end application computer server, comprising:(a) at least one data store containing data describing systems associated with the enterprise, the data store containing a set of electronic records, wherein each electronic record contains a record identifier and a set of record characteristic values, including a service tier goal;
(b) historical data storage containing information about computer systems including identified performance metrics and associated algorithms to score the performance metrics;
(c) a predictive model component, coupled to the historical data storage, programmed to automatically train a first predictive model that predicts if an appropriate service tier level performance has been achieved by a computer system and a second predictive model that automatically creates remediation recommendations;
(d) the back-end application computer server, coupled to the data store, programmed to:
(i) access the set of electronic records in the data store,
(ii) determine a periodic basis based at least in part on the service tier goal,
(iii) automatically, on the periodic basis, calculate a compliance score for the selected system based on an assessment of record characteristic values for the selected system, the first predictive model, the service tier goal, and all of a system availability value, an incident response time value indicating a length of time needed to respond to an incident, and an incident restoration time value indicating a length of time until the selected system will be available to users,
(iv) automatically generate a remediation recommendation for the selected system based on the second predictive model, the remediation recommendation defining remediation steps including at least one of a purchase of new hardware and an update of a software version that, when performed, will result in the selected system meeting the service tier goal,
(v) transmit an indication representing the remediation recommendation for the selected system in connection with an interactive user interface display,
(vi) automatically transmit remediation data associated with the remediation recommendation for the selected system to appropriate entities within the enterprise,
(vii) automatically track updates associated with the remediation recommendation as the remediation steps are performed in connection with the selected system, and
(viii) transmit information associated with the updates to the predictive model component such that further training is performed for the first and second predictive models to adapt to changing conditions; and
(e) a communication port coupled to the back-end application computer server to facilitate an exchange of electronic messages, via a distributed communication network, supporting the interactive user interface display and the transmission of the remediation data as appropriate.

US Pat. No. 10,453,145

SYSTEM AND METHOD FOR VEHICLE REPAIR COST ESTIMATE VERIFICATION

Hartford Fire Insurance C...

1. A computer system for processing data associated with vehicle repair estimates in connection with insurance claims, comprising:one or more data storage devices storing:
an insurance claims database having data relating to a plurality of insurance claims;
one or more computer processors;
a data communications device in communication with the one or more computer processors;
a memory device in communication with the one or more computer processors, and storing computer-readable instructions, which instructions, when executed by the one or more computer processors, cause the one or more computer processors to:
access, via the data communications device, a vehicle repair rules database storing data indicative of a plurality of vehicle repair rules including two or more of staff threshold rules, compliance rules, gross estimate threshold rules, percentage of vehicle actual cash value rules, mechanical hours rules, mechanical total rules, and gross estimate difference rules;
establish, via the data communications device, secure communications with the repair facility computer system by providing the repair facility computer system code for creation of a virtual drive on the repair facility computer system, wherein the virtual drive is configured to receive repair estimate data from the repair facility computer system and make the repair estimate data available to the computer system;
receive claim identifying data from a repair facility computer system; determine, based on the claim identifying data, an insurance claim associated with the claim identifying data;
receive data indicative of a repair estimate associated with the insurance claim from the repair facility computer system;
access data indicative of an evaluation of the received repair estimate, the evaluation being based on an application of the plurality of vehicle repair rules to the repair estimate; and
responsive to the data indicative of a value of the repair estimate being below a first threshold value, determine an insurance workflow to include forwarding the estimate for approval without forwarding the estimate to a claim handler device for review;
responsive to the data indicative of the value of the repair estimate being equal to or greater than the first threshold value, and the evaluation being indicative of one or more of the plurality of vehicle repair rules being triggered;
determine an insurance workflow to include forwarding the estimate to a claim handler device for review; and
render, for display on the claim handler device, a user interface including a top portion and a bottom portion, the top portion displaying a listing of conditions requiring review and the bottom portion displaying a listing of each item of the estimate including separate columns for parts, labor cost, and applicable rate;
responsive to the data indicative of the value of the repair estimate being equal to or greater than the first threshold value, and the evaluation being indicative of no rules being triggered, determine an insurance workflow to include forwarding the estimate for approval without forwarding the estimate to a claim handler device for review;
store, in the one or more data storage devices, a plurality of digital image data estimate rules for comparing an estimate based on digital image data to data indicative of a repair estimate received from the repair facility computer system;
receive, by the one or more computer processors, digital image data of the vehicle;
analyze, by a vehicle image analysis module, the digital image data of the vehicle and a baseline image of a same make and model of the vehicle, to identify vehicle parts that are damaged;
generate, based on the identified vehicle parts that are damaged, a digital image estimate to repair the damage;
access data indicative of an evaluation of the digital image estimate, the evaluation being based on an application of the plurality of digital image data estimate rules to the digital image estimate;
responsive to the data indicative of an identity of parts in the repair estimate differing from the identity of parts in the digital image estimate by greater than at least a second threshold, determine an insurance workflow to include forwarding the estimate to a claim handler device for review; and
responsive to the data indicative of the identity of parts in the repair estimate differing from the identity of parts in the digital image estimate by less than the at least second threshold, determine an insurance workflow to include forwarding the estimate for approval without review by a claim handler.

US Pat. No. 10,445,697

SYSTEM FOR SELECTION OF DATA RECORDS CONTAINING STRUCTURED AND UNSTRUCTURED DATA

HARTFORD FIRE INSURANCE C...

1. A computer system, comprising:one or more data storage devices storing: a plurality of data records, each data record comprising stored data, the stored data comprising: structured data and unstructured data, the unstructured data comprising data indicative of communications between two or more persons;
a data storage device storing data defining a predictive model for determining a score indicative of suitability of data records for forwarding to an operation system, responsive to receipt of one of the data records, the predictive model configured to perform the determination based on review of the structured data and words and phrases extracted from the data indicative of the unstructured data of the data record, the predictive model comprising data values and coefficients associated with structured data, certain data values being negative and indicative of a reduced suitability for forwarding, and certain data values being positive and indicative of an increased suitability for forwarding;
an analysis hardware server, in communication with the data storage devices and comprising a processor configured to, on a recurring and dynamic basis, in each of a plurality of cycles:
determine a set of data records, from the plurality of data records, for review by the predictive model, the set comprising data records having no score determined in any prior cycle and selected data records assigned scores in one or more prior cycles, the selected data records assigned scores in one or more prior cycles comprising data records not forwarded to the operation system and having selected aging intervals;
extract words and phrases from the unstructured data associated with the determined set of data records using data mining to identify words and phrases for extraction, comprising using text parsing logic to identify sentences, and tagging identified words to be associated with categories and subcategories;
apply the predictive model to the structured data and the extracted words and phrases from the unstructured data to determine a current-cycle score associated with each of the data records in the set, and assign each of the data records of the set to one of a plurality of groups of equal numbers ordered in accordance with the determined current-cycle score;
for each of the data records of the set for which a score was determined in a prior cycle, determine whether the current-cycle score is greater than a most-recently determined prior cycle score for the same data record; and
generate a report including at least some of the data records having no score determined in any prior cycle and the data records assigned scores in one or more prior cycles determined to have a greater current-cycle score than the most-recently determined prior cycle score for the same data record;
determine a velocity of change in group to which each data record is assigned;
based at least in part on the determined velocity of change in group to which a data record is assigned, and based on whether a current-cycle score is at least a threshold value, select a plurality of the data records for forwarding to an operation system, wherein a positive velocity of change in group renders a data record more likely to be selected for forwarding, and a negative velocity of change in group renders a data record less likely to be selected for forwarding; and
forward, via bulk download using xml documents, to the operation system, the data records selected for forwarding.

US Pat. No. 10,417,712

ENTERPRISE APPLICATION HIGH AVAILABILITY SCORING AND PRIORITIZATION SYSTEM

Hartford Fire Insurance C...

1. A computer system for prioritizing maintenance and at least one of patching and updating of a portfolio of enterprise applications, comprising:a processor that accesses a database within a database layer of a layered enterprise application, wherein the database stores a portfolio identifying a plurality of enterprise applications and records related to infrastructure supporting each of the plurality of enterprise applications;
generating and storing in a database within the database layer, risk scoring data for each of the enterprise applications, wherein the risk scoring data is generated using the records related to the infrastructure supporting the application and comprises criticality data, availability gap data, and historical outage data;
a processor that generates for display on and communication to a client device through a presentation layer of the layered enterprise application, a risk scorecard comprising generating an overall risk score based on the criticality data, availability gap data, and historical outage data for each of a plurality of the enterprise applications, wherein the presentation layer allows access to the layered application by a plurality of users employing one or more access methods selected from the group consisting of: mobile applications, client applications, and internet applications and wherein the presentation layer provides a bridge between the plurality of users and the application layer of the layered enterprise application;
the generating an overall risk score comprising:
the processor capturing input, from a user via the presentation layer, related to criticality data of the enterprise application, the criticality data identifying an importance of the enterprise application to the enterprise;
the processor calculating, within the application layer, an availability score, using the availability gap data stored in the database and relating to technical readiness and operational maturity scores, for each of the enterprise applications, wherein the availability score for at least one enterprise application reflects availability of an agent portal application to an insurance agent; and
the processor determining, within the application layer, a historical frequency for availability related outages, wherein the historical frequency identifies a number and frequency of outages resulting in a failure of one or more systems of the infrastructure of the enterprise application as identified from the database layer;
the processor prioritizing within the application layer, for availability analysis and based on the generated overall risk score, a subset of the enterprise applications that has a highest risk for failure;
the processor comparing, within the application layer, each of the enterprise applications in the subset to a corresponding predetermined benchmark using an availability score for each of the enterprise applications in the subset;
an output device that outputs, via the presentation layer, an indication comparing each of the enterprise applications in the subset to a corresponding predetermined benchmark, wherein the indication comprises a prioritization of each of the enterprise applications in the subset as compared with the other enterprise applications in the subset and wherein the prioritization identifies at least one of the enterprise applications as a high priority based upon at least one goal of the enterprise and wherein the prioritization identifies an application to maintain to prevent unavailability of the at least one high priority enterprise application;
responsive to the identification of the application as to be maintained, the processor implementing at least one of patching and updating of the application identified as to be maintained to prevent unavailability of the at least one high priority application; and
the processor testing the at least one of patched and updated application to ensure the at least one of a patch and an update implemented has addressed a fault or flaw associated with the identification of the application as to be maintained.

US Pat. No. 10,410,293

SENSOR SYSTEMS AND METHODS FOR SENSOR-BASED ACTIVITY EVALUATION

Hartford Fire Insurance C...

1. An activity evaluation system comprising:a communications device configured to receive (1) sensor data based on at least one sensor configured to monitor activity of an individual associated with and distinct from a covered entity, and (2) an activity evaluation for the individual; and
a computer hardware server, operated by a risk management entity and in communication with the communications device, configured to adjust data corresponding to a parameter of a risk management policy covering the covered entity based on the sensor data and the activity evaluation, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of desired activity by the individual;
wherein the computer hardware server is further configured to:
determine, based on the sensor data, whether the individual has conformed with activity guidelines applicable to the individual; and
responsive to a negative determination that the individual has conformed with the activity guidelines, transmit an alert to a computing device of the covered entity.

US Pat. No. 10,319,036

COMPUTER SYSTEM FOR GENERATING AND DISPLAYING INTERACTIVE USER INTERFACES

Hartford Fire Insurance C...

1. A computer system for generating and displaying one or more interactive user interfaces and processing input data, comprising:a claims processing agent terminal;
a customer service representative terminal;
a first computer system in communication with the claims processing agent terminal and the customer service representative terminal, the first computer system comprising:
one or more data storage devices storing data indicative of auto insurance compliance guidelines for a plurality of geographically-defined jurisdictions, including stored associations between the compliance guidelines and the geographically-defined jurisdictions and policy data for a plurality of auto insurance policies; one or more computer processors;
one or more computer processors; and
a memory storing computer-readable instructions, which instructions, when executed by the one or more computer processors, cause the one or more computer processors to:
output an auto insurance data collection user interface including at least one data field for input of information about an auto insurance claim for display on a display device of at least one of the claims processing agent terminal and the customer service representative terminal;
receive first data associated with the auto insurance claim via the user interface, the received first data including geographic information;
retrieve auto insurance compliance guidelines applicable to the claim from the one or more data storage devices, based on at least the geographic information in the received first data;
modify the user interface by at least one of adding additional data fields, the additional data fields corresponding to questions related to auto insurance compliance guidelines retrieved based on the geographic information in the received first data, or removing data fields based on the retrieved auto insurance compliance guidelines and the first data;
retrieve policy data applicable to the claim based on the first data;
populate one or more data fields included in the user interface with the retrieved policy data, and output the modified user interface to the one of the claims processing agent terminal and the customer service representative terminal;
receive second data via the modified user interface;
output the first data and the second data,
adjust an auto insurance claim workflow based on the output data; and
output, for display on a device of at least one of an in-house appraiser or a third-party appraiser, appraisal user interfaces, including:
a total loss vehicle user interface, the total loss vehicle user interface including fields for entry of moving permission text and towing and storage amounts, and a button to generate a separate interface for entry of values related to settlement; and
a low-impact soft tissue claim user interface, including fields for entry of frame damage and impact height information.

US Pat. No. 10,796,370

SYSTEM FOR AUTOMATED DESCRIPTION AND CATEGORIZATION

Hartford Fire Insurance C...

1. A system useful to facilitate a data exchange between a user and an automated back-end application computer server via an interactive user interface display, comprising:(a) a description data store including a plurality of electronic records each associating a descriptive term with at least one hidden term and a potential pre-determined description;
(b) a categorization data store including a plurality of electronic records each associating a description with a dynamic information exchange and at least one pre-determined category,
(c) a computer store containing data, for each of a plurality of web pages, defining a plurality of visually perceptible elements;
(i) wherein a first of the web pages includes a descriptive term input element, and
(ii) wherein a second of the web pages includes a dynamic information exchange element;
(d) a computer server, coupled to the computer store, the description data store, and the categorization data store, and programmed to:
(i) receive directly from a web browser of a front-end user device a signal indicating a request,
(ii) dynamically modify a font or a page layout of the interactive user interface display based on the front-end user device,
(iii) receive, via the descriptive term input element of the first of the web pages, at least one descriptive term from the front-end user device,
(iv) perform a look-up process based on the at least one descriptive term to establish a set of potential pre-determined descriptions, wherein the look-up process associates hidden descriptive terms with at least some of the potential pre-determined descriptions based on electronic records in the description data store,
(v) transmit an indication of the set of potential pre-determined descriptions from the computer server to the front-end user device,
(vi) receive, from the front-end user device, a selected description from the set of potential pre-determined descriptions,
(vii) associate a user identifier with the request,
(viii) automatically assign, via the dynamic information exchange element of the second of the web pages, one of a number of pre-determined categories as being associated with the user identifier,
(ix) receive, from a third-party device based on the selected description, the user identifier, or the assigned category, a partial set of initial request details; said third-party device associated with one of a customer relationship manager platform, a department of motor vehicles platform, a real estate platform and a credit score platform,
(x) pre-populate information fields in the interactive user interface display by using the partial set of initial request details received from the third-party device,
(xi) receive, from the front-end user device, adjustments to the partial set of initial request details along with additional initial request details to establish a complete set of request details,
(xii) validate data received from the user by using information received from the third-party device,
(xiii) automatically calculate, based on the selected description, the assigned category, the complete set of request details, and information from an enterprise platform, a potential value associated with the request,
(xiv) automatically transmit information about the user identifier to a user response terminal, associated with the enterprise, to facilitate communication between the user response terminal and the user, and
(xv) automatically generate and transmit directly to the web browser a results web page that displays:
(A) the automatically calculated potential value, and (B) a user-selectable icon to establish communication between the front-end user device and the user response terminal.

US Pat. No. 10,769,568

UAV ROUTING AND DATA EXTRACTION

Hartford Fire Insurance C...

1. A computer system comprising:one or more data storage devices storing data relating to a plurality of property insurance policies;
one or more computer processors in communication with the one or more data storage devices;
a communications interface in communication with the one or more computer processors and the one or more data storage device; 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 via the communications interface data, other than unmanned aerial vehicle (“UAV”) data, indicative of condition of a property related to at least one of the plurality of insurance policies;
determine, based on one or more data items, and without UAV data, whether collection of data relating to the property via an UAV is applicable in relation to the condition of the property;
responsive to a determination that collection via UAV is not applicable, forward the data indicative of the condition to an insurance workflow subsystem for investigation, without UAV data;
responsive to a determination that collection of data relating to the condition of the property via UAV is applicable, issue instructions for controlling UAV collection of information, the instructions causing an onboard computer of at least one UAV to control the UAV to autonomously navigate to a location of the property;
receive data via the communications interface from the UAV;
process the data from the UAV to determine at least one action; and
communicate via the communications interface with an insurance subsystem to initiate an insurance workflow process.

US Pat. No. 10,769,569

SYSTEM FOR AUTOMATED RESOURCE SET MULTI-FACTOR RISK ANALYSIS

Hartford Fire Insurance C...

1. A multi-factor risk analysis system, comprising:a user device;
a resource data store containing electronic records defining, for each of a plurality of resources: a resource identifier associated with an entity, a current resource value, a resource type, and a resource location;
and
an automated back-end application computer server remote from the user device, coupled to the resource data store and the user device, including:
a communication port adapted to exchange information via a distributed communication network,
a computer processor, and
a computer memory storing instructions that, when executed by the computer processor cause the automated back-end computer server to perform a method, comprising;
receiving, from the user device via the communication port, a transmitted request for a set of index resources,
responsive to said request, establishing a set of risk parameter diversification objectives,
determining a set of eligible resources by accessing the resource data store,
calculating a value factor characteristic for each of the eligible resources,
calculating a momentum factor characteristic for each of the eligible resources,
automatically constructing the requested set of index resources from the set of eligible resources based on the risk parameter diversification objective and a risk optimization process utilizing a weighted value factor characteristic and momentum factor characteristic of each resource,
exchanging information with the remote user device via the communication port to render an interactive user interface including indications associated with the requested set of index resources, the value factor characteristics, and the momentum factor characteristics, and
automatically generating a plurality of reports including indications associated with the constructed set of index resources, the value factor characteristics, and the momentum factor characteristics,
wherein the interactive user interface further includes a circular visualization associated with risk distortions such that:
a graphical area within the circle is associated with an expected tail loss risk contribution based on resource location,
a graphical length along the circumference of the circle is associated with at least one of an overall country capital allocation and an overall currency capital allocation,
a length of a line extending outside and away from the circle is associated with an allocation to a particular equity or security, and
graphical elements of the circular visualization may be interactively adjusted by a user to automatically change resource allocations.

US Pat. No. 10,692,152

SYSTEMS AND METHODS FOR CROSS-SYSTEM PARAMETER COORDINATION

Hartford Fire Insurance C...

1. A computer system comprising:a first asset type computer system storing first asset type data records corresponding to a first asset type;
a second asset type computer system storing second asset type data records corresponding to a second asset type, and the second asset type computer system being separate from the first asset type computer system;
a parameter coordination computer system interposed between the first asset type computer system, the second asset type computer system, and an event processing computer system, to communicatively couple each of the first asset type computer system, the second asset type computer system, and the event processing computer system, to the parameter coordination computer system, wherein the parameter coordination computer system is configured to:
responsive to receipt of a plurality of asset coverage requests received from a plurality of corresponding requestor terminals, render a display, for each of the plurality of asset coverage requests for a corresponding one of the plurality of requestor terminals, which includes (i) first package data, (ii) second package data, and (iii) a dynamically generated script which explains differences between the first package data and the second package data, wherein at least one of the first package data and the second package data includes a parameter coordination feature;
receive, from one or more of the plurality of corresponding requestor terminals, one or more first and second package data selections corresponding to package selections made on corresponding ones of the plurality of requestor terminals, the first and second package data selections including at least one package selection corresponding to a package including the parameter coordination feature; and
store, in a data storage device, one or more package data records, each package data record corresponding to one of the one or more first and second package data selections, and each package data record including a program ID data value indicative of whether the corresponding package includes the parameter coordination feature;
wherein the event processing computer system is configured to:
receive event data and event coverage data corresponding to an event;
retrieve, from the data storage device, the package data record corresponding to the event coverage data, the retrieved package data record including the program ID data value indicative of whether the corresponding package includes the parameter coordination feature;
determine, based on the program ID data value of the retrieved package data record, whether the parameter coordination feature applies to the event, wherein the parameter coordination feature provides for coordination of a first parameter stored in the first asset type computer system and a second parameter stored in the second asset type computer system;
determine, based on the event data, whether the event involves one or both of the first asset type and the second asset type;
responsive to a determination that the event involves both the first asset type and the second asset type, extract from the first asset type computer system, the first parameter, and extract, from the second asset type computer system, the second parameter;
apply parameter coordination rules and determine which one of the first parameter and the second parameter apply to the event;
dynamically update, based on the determined one of the first parameter and the second parameter, one of the first asset type computer system and the second asset type computer system and indicate application of the determined one of the first parameter and the second parameter; and
set, based on the determined one of the first parameter and the second parameter, a parameter coordination flag in the other of the first asset type computer system and the second asset type computer system.

US Pat. No. 10,666,576

PROCESSING SYSTEM RESPONSIVE TO ANALYSIS FILTER CRITERIA

Hartford Fire Insurance C...

1. A system to facilitate an allocation of resources for an enterprise system via an automated back-end application computer server, comprising:(a) a historical request data store containing electronic records representing a plurality of historical requests and, for each historical request, a set of analysis variables including:
a request description,
resource allocation data, and
at least one outcome indication;
(b) an automated outcome tracker system computer programmed to:
(i) retrieve the electronic records from the historical request data store,
(ii) catalogue a subset of the electronic records, based on the at least one outcome indication for each electronic record, as representing positive outcomes, and
(iii) output information about the catalogued subset of electronic records;
(c) the automated back-end application computer server, coupled to the automated outcome tracker system computer, programmed to:
(iv) receive, through a distributed communication network, a set of analysis filter criteria comprising indications of a plurality of analysis variables entered via an interactive graphical user interface display,
(v) access the electronic records from the historical request data store and receive the information about the catalogued subset of electronic records from the automated outcome tracker system computer,
(vi) based on the analysis filter, resource allocation analysis variables, and catalogued subset of electronic records, calculate impactability scores, and
(vii) transmit indications of the impactability scores to be provided via the interactive graphical user interface display; and
(d) a communication port coupled to the back-end application computer server to facilitate an exchange of electronic messages associated with the interactive graphical user interface display via the distributed communication network.

US Pat. No. 10,650,459

COMPUTER SYSTEM AND METHOD FOR MANAGEMENT OF USER INTERFACE DATA

Hartford Fire Insurance C...

1. A computer system for processing data related to a plurality of user interfaces for supporting interactions with at least one computer system, comprising:a web system server comprising at least one computer system processor; and
at least one other computer system in communication with the web system server and in communication with a legacy computer system executing a plurality of computer-implemented processes,
the web system server being configured to generate a plurality of graphical user interfaces for display, a first of the graphical user interfaces including: one or more fields for entry of information; a next action user selection configured to cause the web system server to transmit data to the at least one computer system, the at least one computer system being configured to parse the transmitted data to determine one of the plurality of processes to be performed by the legacy computer system; and one or more user-selectable process indications configured to cause the web system server to generate one of the other of the plurality of graphical user interfaces for display;
wherein each of the plurality of graphical user interfaces corresponds to one of the plurality of processes; and wherein the at least one other computer system is configured so that at least two of the plurality of processes are arranged in a sequence, and at least a second one of the processes is allowed to be performed, in accordance with instructions provided by the at least one other computer system to the legacy computer system, only subsequent to performance of a first one of the plurality of processes in the sequence, and wherein the at least one other computer system is configured to, responsive to receipt of a submit message from the web server via the one of the graphical user interfaces corresponding to the second one of the processes, require performance of the first process prior to transfer of the second process to the legacy computer system;
wherein a plurality of state switches and associated state indicators provide process direction to the at least one other computer system, each one of a plurality of states associated with the state switches and state indicators corresponding to one of the sequential processes, and wherein associated state variables include data indicative of whether each of the processes has been executed, the at least one other computer system configured not to permit a process to be executed by the legacy computer system unless the state variables indicate that all preceding processes have been executed.

US Pat. No. 10,643,286

KNOWLEDGE MANAGEMENT TOOL INTERFACE

Hartford Fire Insurance C...

9. A computer-implemented method for risk mitigation knowledge management, comprising:receiving, by a knowledge management platform processor of a knowledge management platform providing a knowledge management enterprise portal, a communication from a customer in connection with a risk mitigation coverage policy;
automatically determining, by the knowledge management platform processor, a role identifier associated with a service representative device accessing the knowledge management enterprise portal in relation to the communication from the customer;
receiving, by the knowledge management platform processor from the service representative device, data indicative of a line of business corresponding to the communication from the customer;
automatically determining, by the knowledge management platform processor, a type of coverage event associated with the communication from the customer, the coverage event being associated with risk mitigation coverage claims processing; and
automatically rendering, by the knowledge management platform processor for display on the service representative device, customized data associated with the knowledge management enterprise portal, the customized data being based at least in part on the type of coverage event associated with the communication from the customer and the role identifier associated with the service representative device, the customized data including:
a dynamically updated tools dashboard displaying a list of most accessed information links, wherein selection of one link of the list of most accessed information links causes navigation to a corresponding accessed link page display, wherein links on the list of most accessed information links are selected based upon the role identifier associated with the service representative device and the type of coverage event, and wherein the list of most accessed information links provided on the tools dashboard is dynamically updated based upon data collected by an analytics engine indicating a number of times each link available through the knowledge management enterprise portal was accessed by service representative devices during a pre-defined period of time.

US Pat. No. 10,620,799

PROCESSING SYSTEM FOR MULTIVARIATE SEGMENTATION OF ELECTRONIC MESSAGE CONTENT

Hartford Fire Insurance C...

1. A system to launch electronic messages via a distributed communication network by an automated back-end application computer server, comprising:(a) a data store containing electronic files associated with a current message content, a first modified message content, and a second modified message content; and
(b) the back-end application computer server, coupled to the data store, including:
a computer processor, and
a computer memory storing instructions that, when executed by the computer processor, cause the back-end application computer server to:
(i) create, based on information from a periodic data feed source input, a database import table associated with a set of electronic destination communication addresses,
(ii) automatically and dynamically split the set of electronic destination communication addresses into multivariate segments, including at least:
a current message content subset,
a first modified message content subset, and
a second modified message content subset,
(iii) automatically launch the current message content, the first modified message content, and the second modified message content to electronic destination communication addresses via the distributed communication network as appropriate in accordance with the multivariate segments,
(iv) create a results log based on responses to the current message content, the first modified message content, and the second modified message content, and
(v) transmit indications associated with the results log to generate an interactive user interface display.

US Pat. No. 10,354,329

SMART SENSORS FOR ROOF ICE FORMATION AND PROPERTY CONDITION MONITORING

Hartford Fire Insurance C...

1. A system providing sensor feedback for property condition monitoring, comprising:a plurality of sensors disposed in a roof structure of a property and providing output indicative of ice formation associated with the roof structure, wherein each of the plurality of sensors have an associated location within the roof structure, wherein the plurality of sensors comprise smart nails, wherein the smart nails sense physical separation in layers of the roof structure via a circuit of the smart nail that breaks upon deformation of the smart nail structure caused by an upward force on the smart nail responsive to the physical separation in the layers of the roof structure;
a hub device that receives output from the plurality of sensors, the hub device detecting at least one sensor output indicative of ice formation and providing a notification regarding the ice formation and an associated location within the roof structure of the ice formation based upon the location within the roof structure associated with the sensor providing the output indicative of ice formation, wherein the at least one sensor output indicative of ice formation comprises an output of the plurality of sensors indicating a separation of layers of the roof structure;
the hub device sending the notification to a computing device of an insurance carrier, the notification of the hub device being formatted to allow the computing device of the insurance carrier to update a status of the property in an insurance carrier database using the notification, wherein to update the status of the property comprises updating the status to a high risk damage status and wherein the notification is used by the computer device to provide an alert regarding the high risk damage status; and
a communication link between the plurality of sensors, the hub device and the computing device of an insurance carrier.