US 11,853,337 B2
System to determine a credibility weighting for electronic records
Reuben Emory Houser, Hartford, CT (US); Qiao Wang, Avon, CT (US); Arthur Paul Drennan, III, West Granby, CT (US); Nicole Rose Sims, Sandy, UT (US); and Tracey Ellen Steger, Glastonbury, CT (US)
Assigned to HARTFORD FIRE INSURANCE COMPANY, Hartford, CT (US)
Filed by Hartford Fire Insurance Company, Hartford, CT (US)
Filed on Jun. 15, 2021, as Appl. No. 17/347,767.
Application 17/347,767 is a continuation of application No. 16/564,120, filed on Sep. 9, 2019, granted, now 11,068,522.
Application 16/564,120 is a continuation of application No. 15/285,790, filed on Oct. 5, 2016, granted, now 10,445,354.
Prior Publication US 2021/0311980 A1, Oct. 7, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 16/33 (2019.01); G06F 16/951 (2019.01); G06F 16/36 (2019.01)
CPC G06F 16/3344 (2019.01) [G06F 16/36 (2019.01); G06F 16/951 (2019.01)] 15 Claims
OG exemplary drawing
 
1. A system for determining a credibility weighting associated with electronic records associated with workers' compensation insurance claims, 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 graphically defined by a user,
(iii) update a text mining result database, responsive to the detection, by adding an entry to the database identifying the detected semantic event, and
(iv) transmit an indication associated with the semantic event based on 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, comprising a text flag total claim count, and a response variable, comprising a text flag ratio, 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 the credibility for level i is calculated based on ωi representing a weight for level i and K representing a credibility factor,
(iv) receive from a user of a web browser credibility weighting tool an indication of a geographic region, and
(v) responsive to the received indication of the geographic region, graphically display a map-based presentation of the credibility information for the electronic records,
wherein the observed experience for level i, excluding lower levels in the hierarchy, is calculated as:

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