IP Library Granted Patent US 12,694,453
Granted Patent B2
US 12,694,453 · App. 18/420,519 · Granted Jul 28, 2026

Claim analysis based on candidate functions

Inventors: Jeremy David Dickerson (Dallas, GA); Matthew Marsh (Bloomington, IL); Garren King (Eureka, IL); Justin Devore (Atlanta, IL)
Assignee: State Farm Mutual Automobile Insurance Company
G06Q40/08G06F16/3329G06F16/35G06Q10/063112
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Quick Facts
Patent No.
US 12,694,453
App. No.
18/420,519
Granted
Jul 28, 2026
Kind
B2
Abstract

Candidate function data can include data for multiple candidate functions that may indicate whether insurance claims are likely to involve certain issues, such as comparative negligence issues. A real-time claim identifier can use the candidate function data to determine, in near real-time, if claim data for a new insurance claim submitted to an insurance company satisfies at least one of the candidate functions. If the claim data satisfies at least one of the candidate functions, the insurance claim can be assigned to a corresponding destination in the insurance company, such as a department that processes comparative negligence claims, for further processing.

Claims (109)

1 . A method, comprising:

executing, by a computing system comprising a processor, a query in association with historical claim data corresponding to a historical set of claims, wherein:

the query comprises a first subquery and a second subquery,

the first subquery and the second subquery are respectively coded, using a syntax of a computer-readable language, as search statements that comprise at least one of a function or a variable,

the first subquery and the second subquery are configured to discover text strings within instances of the historical claim data that:

respectively satisfy the first subquery and the second subquery, and

are different from the search statements, and

the query is configured to identify claims to be assigned to a particular claim processing destination;

generating, by the computing system, a candidate function comprising:

a first string set comprising first text strings that satisfy the first subquery, wherein the first text strings are discovered based on executing the query in association with the historical claim data;

a second string set comprising second text strings that satisfy the second subquery, wherein the second text strings are discovered based on executing the query in association with the historical claim data; and

a logical operator that relates the first string set and the second string set;

determining, by the computing system, and without executing the query, that claim data satisfies the candidate function by determining that:

one or more text strings, in at least one of the first string set and the second string set, are present within the claim data; and

the one or more text strings appear within the claim data in a pattern corresponding to the logical operator; and

flagging, by the computing system, the claim data for assignment to the particular claim processing destination based on determining that the claim data satisfies the candidate function.

2 . The method of claim 1 , wherein:

the computing system executes the query via a batch claim identifier configured to evaluate batches of claims, in the historical set of claims, on a delayed basis following receipt of data associated with individual claims of the batches, and

the computing system determines that the claim data satisfies the candidate function and flags the claim data for assignment to the particular claim processing destination, via a real-time claim identifier substantially in real time following receipt of the claim data.

3 . The method of claim 1 , further comprising:

determining, by the computing system, and without executing the query, that second claim data fails to satisfy the candidate function; and

determining, by the computing system, whether to assign the second claim data to the particular claim processing destination or to a different claim processing destination by executing the query based on the second claim data.

4 . The method of claim 3 , further comprising:

identifying, by the computing system, a text string in the second claim data that satisfies the first subquery;

determining, by the computing system, that the first string set of the candidate function fails to include the text string; and

adding, by the computing system, the text string to the first string set of the candidate function.

5 . The method of claim 1 , wherein:

the query and the candidate function are configured to identify individual claims that are likely to involve comparative negligence issues, and

the particular claim processing destination is a group of workers that processes the comparative negligence issues within the claims.

6 . The method of claim 1 , wherein:

the candidate function is in a set of candidate functions, corresponding to a set of queries configured to identify the claims to be assigned to the particular claim processing destination, and

the computing system is configured to flag the claim data for assignment to the particular claim processing destination based on determining that the claim data satisfies at least one candidate function of the set of candidate functions.

7 . The method of claim 1 , wherein the particular claim processing destination is different than a default claim processing destination.

8 . The method of claim 1 , wherein the computing system is configured to add a text string to the first string set based on a determination that the text string appeared within the historical claim data, and satisfied the first subquery, at least a threshold number of times.

9 . The method of claim 1 , wherein the logical operator is an “or” operator, and the pattern indicates that a text string in at least one of the first string set or the second string set is present in the claim data.

10 . The method of claim 1 , wherein the logical operator is an “and” operator, and the pattern indicates that a first text string in the first string set and a second text string in the second string set are present in the claim data.

11 . The method of claim 1 , wherein the logical operator is a “not” operator, and the pattern indicates that a first text string in the first string set is present in the claim data and zero text strings in the second string set are present in the claim data.

12 . The method of claim 1 , wherein:

the logical operator is a first logical operator,

the query further comprises a third subquery,

the candidate function further comprises:

a third string set comprising third text strings that satisfy the third subquery, wherein the third text strings are discovered based on executing the query in association with the historical claim data; and

a second logical operator that relates the third string set to at least one of the first string set and the second string set, and

the pattern is based on the one or more text strings being in:

at least one of the first string set or the second string set based on the first logical operator, and

at least one of the first string set, the second string set, or the third string set based on the second logical operator.

13 . A computing system, comprising:

one or more processors; and

memory storing computer-executable instructions that, when executed by the one or more processors, cause the computing system to perform operations comprising:

executing a query in association with historical claim data corresponding to a historical set of claims, wherein:

the query comprises a first subquery and a second subquery,

the first subquery and the second subquery are respectively coded, using a syntax of a computer-readable language, as search statements that comprise at least one of a function or a variable,

the first subquery and the second subquery are configured to discover text strings within instances of the historical claim data that:

respectively satisfy the first subquery and the second subquery, and

are different from the search statements, and

the query is configured to identify claims to be assigned to a particular claim processing destination;

generating a candidate function comprising:

a first string set comprising first text strings that satisfy the first subquery, wherein the first text strings are discovered based on executing the query in association with the historical claim data;

a second string set comprising second text strings that satisfy the second subquery, wherein the second text strings are discovered based on executing the query in association with the historical claim data; and

a logical operator that relates the first string set and the second string set;

determining, without executing the query, that claim data satisfies the candidate function by determining that:

one or more text strings, in at least one of the first string set and the second string set, are present within the claim data; and

the one or more text strings appear within the claim data in a pattern corresponding to the logical operator; and

flagging the claim data for assignment to the particular claim processing destination based on determining that the claim data satisfies the candidate function.

14 . The computing system of claim 13 , wherein:

the query and the candidate function are configured to identify individual claims that are likely to involve comparative negligence issues, and

the particular claim processing destination is a group of workers that processes the comparative negligence issues within the claims.

15 . The computing system of claim 13 , wherein:

the candidate function is in a set of candidate functions, corresponding to a set of queries configured to identify the claims to be assigned to the particular claim processing destination, and

the claim data is flagged for assignment to the particular claim processing destination based on a determination that the claim data satisfies at least one candidate function of the set of candidate functions.

16 . The computing system of claim 13 , wherein a text string is added to the first string set based on a determination that the text string appeared within the historical claim data associated with the historical set of claims, and satisfied the first subquery, at least a threshold number of times.

17 . One or more non-transitory computer-readable media storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

executing a query in association with historical claim data corresponding to a historical set of claims, wherein:

the query comprises a first subquery and a second subquery,

the first subquery and the second subquery are respectively coded, using a syntax of a computer-readable language, as search statements that comprise at least one of a function or a variable,

the first subquery and the second subquery are configured to discover text strings within instances of the historical claim data that:

respectively satisfy the first subquery and the second subquery, and

are different from the search statements, and

the query is configured to identify claims to be assigned to a particular claim processing destination;

generating a candidate function comprising:

a first string set comprising first text strings that satisfy the first subquery, wherein the first text strings are discovered, based on executing the query in association with the historical claim data;

a second string set comprising second text strings that satisfy the second subquery, wherein the second text strings are discovered based on executing the query in association with the historical claim data; and

a logical operator that relates the first string set and the second string set;

determining, without executing the query, that claim data satisfies the candidate function by determining that:

one or more text strings, in at least one of the first string set and the second string set, are present within the claim data; and

the one or more text strings appear within the claim data in a pattern corresponding to the logical operator; and

flagging the claim data for assignment to the particular claim processing destination based on determining that the claim data satisfies the candidate function.

18 . The one or more non-transitory computer-readable media of claim 17 , wherein:

the query and the candidate function are configured to identify individual claims that are likely to involve comparative negligence issues, and

the particular claim processing destination is a group of workers that processes the comparative negligence issues within the claims.

19 . The one or more non-transitory computer-readable media of claim 17 , wherein:

the candidate function is in a set of candidate functions, corresponding to a set of queries configured to identify the claims to be assigned to the particular claim processing destination, and

the claim data is flagged for assignment to the particular claim processing destination based on a determination that the claim data satisfies at least one candidate function of the set of candidate functions.

20 . A system comprising:

means for executing, via a processor based on computer-executable instructions stored in memory, a query in association with historical claim data corresponding to a historical set of claims, wherein:

the query comprises a first subquery and a second subquery,

the first subquery and the second subquery are respectively coded, using a syntax of a computer-readable language, as search statements that comprise at least one of a function or a variable,

the first subquery and the second subquery are configured to discover text strings within instances of the historical claim data that:

respectively satisfy the first subquery and the second subquery, and

are different from the search statements, and

the query is configured to identify claims to be assigned to a particular claim processing destination;

means for generating, via the processor based on the computer-executable instructions, a candidate function comprising:

a first string set comprising first text strings that satisfy the first subquery, wherein the first text strings are discovered based on executing the query in association with the historical claim data;

a second string set comprising second text strings that satisfy the second subquery, wherein the second text strings are discovered based on executing the query in association with the historical claim data; and

a logical operator that relates the first string set and the second string set;

means for determining, via the processor based on the computer-executable instructions, and without executing the query, that claim data satisfies the candidate function by determining that:

one or more text strings, in at least one of the first string set and the second string set, are present within the claim data; and

the one or more text strings appear within the claim data in a pattern corresponding to the logical operator; and

means for flagging, via the processor based on the computer-executable instructions, the claim data for assignment to the particular claim processing destination based on determining that the claim data satisfies the candidate function.