US 11,734,769 B2
System tand method using third-party data to provide risk relationship adjustment recommendation based on upcoming life event
Jennifer Maia Amaral, Simsbury, CT (US); Matthew Brown, Cromwell, CT (US); and Christopher J Gimpl, Bristol, CT (US)
Assigned to HARTFORD FIRE INSURANCE COMPANY, Hartford, CT (US)
Filed by Hartford Fire Insurance Company, Hartford, CT (US)
Filed on Mar. 15, 2022, as Appl. No. 17/694,885.
Application 17/694,885 is a continuation of application No. 16/722,998, filed on Dec. 20, 2019, granted, now 11,308,561.
Prior Publication US 2022/0207617 A1, Jun. 30, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/08 (2012.01); G06Q 10/0635 (2023.01)
CPC G06Q 40/08 (2013.01) [G06Q 10/0635 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system to provide a risk relationship life event analytical modeling platform via a back-end application computer server of an enterprise, comprising:
(a) a risk relationship data store containing electronic records that represent a plurality of potential risk relationships between the enterprise and a plurality of entities, wherein each electronic record includes an electronic record identifier, at least one third-party indication associated with an upcoming life event, and a communication address;
(b) the back-end application computer server, coupled to the risk relationship data store, 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 application computer server to:
(i) determine a selected potential risk relationship between the enterprise and an entity,
(ii) retrieve, from the risk relationship data store, the electronic record associated with the selected potential risk relationship, including the at least one third-party indication associated with an upcoming life event and a communication address,
(iii) determine an eligibility of the selected potential risk relationship to receive a proactive notification including information based on the upcoming life event and data in the electronic record,
(iv) when it is determined the selected potential risk relationship is not eligible to receive the proactive notification, automatically transmit standard information to the communication address while avoiding the transmission of the proactive notification thereby reducing electronic message traffic in a distributed communication network,
(iv) when it is determined the selected potential risk relationship is eligible to receive the proactive notification, generate the proactive notification, via execution of the analytical model, and
(c) a communication port coupled to the back-end application computer server to facilitate a transmission of data with a remote device to support a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing the proactive notification.