US 12,229,837 B2
Platform for autonomous management of risk transfer
Jason Crabtree, Vienna, VA (US); Andrew Sellers, Monument, CO (US); Anant Borole, Dona Paula (IN); Bharat Amin, Farnham (GB); and Raveem Ismail, Oxford (GB)
Assigned to QOMPLX LLC, Reston, VA (US)
Filed by QOMPLX LLC, Reston, VA (US)
Filed on Mar. 6, 2024, as Appl. No. 18/597,899.
Application 18/597,899 is a continuation of application No. 18/071,563, filed on Nov. 29, 2022.
Application 18/071,563 is a continuation in part of application No. 17/217,537, filed on Mar. 30, 2021, granted, now 11,514,531, issued on Nov. 29, 2022.
Application 17/217,537 is a continuation in part of application No. 17/185,477, filed on Feb. 25, 2021, granted, now 11,475,528, issued on Oct. 18, 2022.
Application 17/185,477 is a continuation of application No. 15/911,117, filed on Mar. 4, 2018, granted, now 10,970,787, issued on Apr. 6, 2021.
Application 15/911,117 is a continuation in part of application No. 15/818,733, filed on Nov. 20, 2017, granted, now 10,673,887, issued on Jun. 2, 2020.
Application 15/911,117 is a continuation in part of application No. 15/815,502, filed on Nov. 16, 2017, abandoned.
Application 15/818,733 is a continuation in part of application No. 15/725,274, filed on Oct. 4, 2017, granted, now 10,609,079, issued on Mar. 31, 2020.
Application 15/911,117 is a continuation in part of application No. 15/678,089, filed on Aug. 15, 2017, granted, now 10,853,883, issued on Dec. 1, 2020.
Application 15/725,274 is a continuation in part of application No. 15/655,113, filed on Jul. 20, 2017, granted, now 10,735,456, issued on Aug. 4, 2020.
Application 15/655,113 is a continuation in part of application No. 15/616,427, filed on Jun. 7, 2017, abandoned.
Application 15/815,502 is a continuation in part of application No. 15/376,657, filed on Dec. 13, 2016, granted, now 10,402,906, issued on Sep. 3, 2019.
Application 15/815,502 is a continuation in part of application No. 15/343,209, filed on Nov. 4, 2016, granted, now 11,087,403, issued on Aug. 10, 2021.
Application 15/678,089 is a continuation in part of application No. 15/343,209, filed on Nov. 4, 2016, granted, now 11,087,403, issued on Aug. 10, 2021.
Application 15/376,657 is a continuation in part of application No. 15/237,625, filed on Aug. 15, 2016, granted, now 10,248,910, issued on Apr. 2, 2019.
Application 15/655,113 is a continuation in part of application No. 15/237,625, filed on Aug. 15, 2016, granted, now 10,248,910, issued on Apr. 2, 2019.
Application 15/343,209 is a continuation in part of application No. 15/237,625, filed on Aug. 15, 2016, granted, now 10,248,910, issued on Apr. 2, 2019.
Application 15/343,209 is a continuation in part of application No. 15/229,476, filed on Aug. 5, 2016, granted, now 10,454,791, issued on Oct. 22, 2019.
Application 15/237,625 is a continuation in part of application No. 15/206,195, filed on Jul. 8, 2016, abandoned.
Application 15/229,476 is a continuation in part of application No. 15/206,195, filed on Jul. 8, 2016, abandoned.
Application 15/206,195 is a continuation in part of application No. 15/186,453, filed on Jun. 18, 2016, abandoned.
Application 15/186,453 is a continuation in part of application No. 15/166,158, filed on May 26, 2016, abandoned.
Application 15/166,158 is a continuation in part of application No. 15/141,752, filed on Apr. 28, 2016, granted, now 10,860,962, issued on Dec. 8, 2020.
Application 15/141,752 is a continuation in part of application No. 15/091,563, filed on Apr. 5, 2016, granted, now 10,204,147, issued on Feb. 12, 2019.
Application 15/141,752 is a continuation in part of application No. 14/986,536, filed on Dec. 31, 2015, granted, now 10,210,255, issued on Feb. 19, 2019.
Application 15/616,427 is a continuation in part of application No. 14/925,974, filed on Oct. 28, 2015, abandoned.
Application 15/141,752 is a continuation in part of application No. 14/925,974, filed on Oct. 28, 2015, abandoned.
Claims priority of provisional application 62/575,954, filed on Oct. 23, 2017.
Prior Publication US 2024/0212057 A1, Jun. 27, 2024
Int. Cl. G06Q 40/00 (2023.01); G06F 16/951 (2019.01); G06N 5/045 (2023.01); G06N 5/046 (2023.01); G06N 20/00 (2019.01); G06Q 30/0202 (2023.01); G06Q 30/0601 (2023.01); G06Q 40/08 (2012.01); G06N 3/006 (2023.01); G06N 3/02 (2006.01); G06N 7/01 (2023.01)
CPC G06Q 40/08 (2013.01) [G06F 16/951 (2019.01); G06N 5/045 (2013.01); G06N 5/046 (2013.01); G06N 20/00 (2019.01); G06Q 30/0202 (2013.01); G06Q 30/0611 (2013.01); G06N 3/006 (2013.01); G06N 3/02 (2013.01); G06N 7/01 (2023.01)] 16 Claims
OG exemplary drawing
 
1. A computing system for automated insurance underwriting and claims processing employing an automated insurance administration platform, the computing system comprising:
one or more hardware processors configured for:
receiving a request for insurance coverage in the field of insurance, the request comprising an insured, an insured risk, an insured value, an asset to be insured, a location of the asset, a first before image of the asset in an undamaged condition, and an identification of a sensor that can connect to a network or a computer system where the information is being stored or transmitted or transferred at the location of the physical asset of a type associated with the insured risk;
creating a contract block of insurance underwriting information initially comprising:
the insured and the risk; and
programmatic operating instructions built in to the contract block configured to assess compliance of a contract term of the contract block with a law or regulation;
connecting to the sensor;
searching an underwriting database using the insurance underwriting information in the contract block and return a search result comprising underwriting data;
creating a directed graph from the search result and the status of the sensor, the directed graph comprising nodes representing discrete elements of the underwriting data and edges representing relationships among the nodes;
performing a graph analysis on the directed graph to determine a best fit among the nodes and edges;
selecting a plurality of contract terms for the risk from the underwriting data based on the best fit;
writing the plurality of contract terms into the contract block;
executing the programmatic operating instructions built in to the contract block to determine whether the plurality of contract terms comply with the law or regulation in the underwriting database;
wherein the plurality of contract terms are determined to comply with the law or regulation, returning the contract terms as an offer to underwrite the risk via the server; and
receiving an acceptance of the offer, confirm the insurance coverage by issuing an insurance policy number.