| CPC G06Q 40/03 (2023.01) [G06N 7/01 (2023.01); G06Q 40/08 (2013.01)] | 12 Claims |
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1. A computer system of an enterprise, comprising:
(a) a potential association data store containing electronic records representing a plurality of potential associations for properties, each property having a building, and the enterprise and, for each potential association, an electronic record identifier and a set of attribute values;
(b) a historical data store containing electronic records representing prior associations with the enterprise and, for each prior association, an electronic record identifier, a set of attribute values, and at least one prior result;
(c) a model training computer to access information in the historical data store, including sets of attribute values and prior results for a plurality of prior associations, to train a predictive scoring model with historic insurance claim information associated insurance policies along with third-party data and transmit the trained predictive scoring model to an automated scoring analysis computer;
(d) the automated scoring analysis computer, coupled to the potential association data store and the historical data store, 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 automated scoring analysis computer to:
(i) access, via an encrypted database management system, information in the potential association data store, including sets of attribute values,
(ii) receive an indication of a selected potential association in the potential association data store, including the set of attribute values,
(iii) calculate a risk score for the selected potential association, representing a risk of loss for a property, based on all of: the trained predictive scoring model, social media data of the property, third-party data, location information, business credit information, prior interactions, employee sentiment data, and information about the building, including a building limit per square foot, and
(iv) output an indication of the calculated risk score;
(e) the front-end application computer server, coupled to the automated scoring analysis computer, 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 front-end application computer server to:
(v) receive the indication of the calculated risk score for the selected potential association,
(vi) automatically select a workflow path from a plurality of potential workflow paths based on the indication of the calculated risk score,
(vii) execute the selected workflow path by modifying a set of information requests including the automatic removal of information requests transmitted from the enterprise when the calculated risk score is below a pre-determined threshold value and the automatic completion of the potential association based on the calculated risk score and responses received in association with the modified set of information requests, and
(viii) transmit training information to the model training computer to adapt the trained predictive scoring model to changing conditions; and
(f) a communication port coupled to the front-end application computer server to transmit data for an interactive user interface display in accordance with the selected workflow path via security features and a distributed communication network, wherein the selected workflow path reduces an overall number of electronic messages transmitted by omitting a subset of information request messages transmitted via the communication port when the calculated risk score is below the pre-determined threshold value,
and further wherein the interactive user interface display includes all of: (1) an image of the property and building, (2) a linear graphical representation of the calculated risk score, and (3) an indication of the selected workflow path.
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