Adaptive and tunable risk processing system and method

1. A tunable computer implemented method comprising:

collecting litigation information associated with one or more entities from a first data source;

collecting licensure information associated with the one or more entities from a second data source;

collecting consumer sentiment information associated with the one or more entities from a third data source;

tuning one or more adaptive filters as part of adaptively determining a stratified risk evaluation associated with each of the one or more entities including:

applying a first weight to a litigation factor corresponding to the litigation information;

applying a second weight to a licensure factor corresponding to the licensure information; and

applying a third weight to a complaint factor corresponding to the consumer sentiment information;

applying the one or more adaptive filters to output a licensing category score, a complaint category score, and a litigation category score to generate a stratified score that includes the licensing category score, the complaint category score, and the litigation category score for each of one or more entities to quantify an amount of risk of using the one or more entities to perform a service;

maintaining, in a data repository, the stratified score for each of the one or more entities, and the litigation information, the licensure information, and the consumer sentiment information for each of the one or more entities on a nationwide and/or state by state basis; and

generating a dashboard user interface (UI) that includes a plurality of display portions with data from the data repository enabling comparison of the one or more entities including a first display portion that includes the stratified score for each of the one or more entities, a second display portion that includes license details on a state-by-state basis for a selected entity, a third display portion that includes litigation details over one or more time periods for the selected entity, and a fourth display portion that includes complaint details over the one or more time periods for the selected entity.

2. The method of claim 1 , further comprising tuning the one or more adaptive filters to modify the stratified score for each of the one or more entities by changing one or more weightings on one or more of an overall litigation score or sub-score, an overall licensure score or sub-score, and/or an overall consumer sentiment score or sub-score.

3. The method of claim 2 , further comprising calculating sub-scores for one or more of a state licensure ratio, a compliant records ratio, an average litigation age, a number of days since litigation, a complaints per employee, an average complaint age, a number of days since a complaint, and a satisfaction rate.

4. The method of claim 1 , further comprising:

receiving information associated with a collection agency;

determining a benefit of using additional information from a third party for the collection agency; and

obtaining financial information of payments received by the collection agency associated with services provided by a healthcare provider.

5. The method of claim 1 , further comprising searching a third party source for the litigation information associated with an entity, wherein the searching is based on use of a registered agency name of the entity including a previously registered company name if available or a company alias including a doing-business-as name if available.

6. The method of claim 5 , further comprising associating the entity with the litigation information by:

removing duplicates based on a court case number;

ranking defendants based on order in a defendant list;

matching the litigation information based on the registered agency name of the entity; and

maintaining a database of entities comprising collection agencies with associated litigation.

7. The method of claim 1 , further comprising searching a state source for the licensure information associated with an entity, wherein the searching is based on use of a registered agency name of the entity including a previously registered company name if available or a company alias including a doing-business-as name if available.

8. The method of claim 7 , further comprising selecting a single license for each state except in states that have multiple licensing requirements at the state and/or city level by selecting the single license according to rules including:

determining if a name of the entity matches the registered agency name associated with the single license and assigning a highest priority for a match;

determining a most recent license start date of an active license status associated with the single license; and

determining a highest ranked license number associated with the single license in descending order and assigning a lowest priority for the highest ranked license number.

9. The method of claim 1 , further comprising searching a third party source for the consumer sentiment information associated with an entity including one or more complaints directed at the entity, wherein the searching is based on use of a registered agency name including a previously registered company name if available or a company alias including a doing-business-as name if available.

10. The method of claim 1 , further comprising providing a compliance report including:

a nationwide compliance risk score for an entity;

a state and/or regional compliance risk score for the entity;

individual key factors influencing each of the compliance risk scores for the entity; or

at least one sub-score associated with the litigation information, at least one sub-score associated with the licensure information, and/or at least one sub-score associated with the consumer sentiment information.

11. A tunable system comprising:

a processor and memory, including executable instructions which, when executed by the processor, operate to:

collect litigation information associated with one or more entities from a first data source;

collect licensure information associated with the one or more entities from a second data source;

collect consumer sentiment information associated with the one or more entities from a third data source;

tune one or more adaptive filters as part of adaptively determining a stratified risk evaluation associated with each of the one or more entities that includes:

application of a first weight to a litigation factor corresponding to collected litigation information;

application of a second weight to a licensure factor corresponding to collected licensure information; and

application of a third weight to a complaint factor corresponding to collected consumer sentiment information;

apply the one or more adaptive filters to the collected litigation information, the licensure information, and the consumer sentiment information associated with one or more entities to adaptively determine a stratified score for each of the one or more entities according to output of a licensing category score, a complaint category score, and a litigation category score to quantify an amount of risk of using the one or more entities to perform a service;

maintain, in a data repository, the stratified score for each of the one or more entities, and the litigation information, the licensure information, and the consumer sentiment information for each of the one or more entities on a nationwide and/or state by state basis; and

generate a dashboard user interface (UI) that includes a plurality of display portions with data from the data repository enabling comparison of the one or more entities including a first display portion that includes the stratified score for each of the one or more entities, a second display portion that includes license details on a state-by-state basis for a selected entity, a third display portion that includes litigation details over one or more time periods for the selected entity, and a fourth display portion that includes complaint details over the one or more time periods for the selected entity.

12. The system of claim 11 , further to modify the stratified score for each of the one or more entities by adjusting one or more weightings on one or more of an overall litigation score or sub-score, an overall licensure score or sub-score, and/or an overall consumer sentiment score or sub-score.

13. The system of claim 11 , further to:

search a third party source for the litigation information associated with an entity, wherein the search is based on use of a registered agency name of the entity including a previously registered company name if available or a company alias including a doing-business-as name if available;

remove duplicates based on a court case number;

rank defendants based on order in a defendant list;

match the litigation information based on the registered agency name of the entity; and

maintain a database of entities comprising collection agencies with associated litigation.

14. The system of claim 11 , further to:

search a state source for the licensure information associated with an entity, wherein the search is based on use of a registered agency name of the entity including a previously registered company name if available or a company alias including a doing-business-as name if available;

select a single license for each state except in states that have multiple licensing requirements at the state and/or city level according to rules that:

determine if a name of the entity matches the registered agency associated with the single license and assigning a highest priority for a match;

determine a most recent license start date of an active license status associated with the single license; and

determine a highest ranked license number associated with the single license in descending order and assigning a lowest priority for the highest ranked license number.

15. The system of claim 11 , further to search a third party source for the consumer sentiment information associated with an entity including one or more complaints directed at the entity, wherein the search is based on use of a registered agency name including a previously registered company name if available or a company alias including a doing-business-as name if available.

16. The system of claim 11 , further to provide a compliance report that includes:

a nationwide compliance risk score for an entity;

a state and/or regional compliance risk score for the entity; and

individual key factors influencing each of the compliance risk scores for the entity; and

a sub-score for each of the litigation information, licensure information, and/or the consumer sentiment information.

17. A non-transitory computer readable medium that includes instructions that, when executed, operate to provide a tunable process that:

collects litigation information associated with one or more entities from a first data source;

collects licensure information associated with the one or more entities from a second data source; and

collects consumer sentiment information associated with the one or more entities from a third data source;

tunes one or more adaptive filters as part of adaptively determining a stratified risk evaluation associated with each of the one or more entities that includes:

application of a first weight to a litigation factor corresponding to the litigation information;

application of a second weight to a licensure factor corresponding to the licensure information; and

application of a third weight to a complaint factor corresponding to the consumer sentiment information;

applies the one or more adaptive filters to output a licensing category score, a complaint category score, and a litigation category score determination to generate a stratified score for each of one or more entities to quantify an amount of risk of using the one or more entities to perform a service;

maintains, in a data repository, the stratified score for each of the one or more entities, and the litigation information, the licensure information, and the consumer sentiment information for each of the one or more entities on a nationwide and/or state by state basis; and

generates a dashboard user interface (UI) that includes a plurality of display portions with data from the data repository enabling comparison of the one or more entities including a first display portion that includes the stratified score for each of the one or more entities, a second display portion that includes license details on a state-by-state basis for a selected entity, a third display portion that includes litigation details over one or more time periods for the selected entity, and a fourth display portion that includes complaint details over the one or more time periods for the selected entity.

18. The computer readable medium of claim 17 that includes instructions that, when executed, operate further to modify the stratified score for each of the one or more entities by adjusting one or more weightings on one or more of an overall litigation score or sub-score, an overall licensure score or sub-score, and/or an overall consumer sentiment score or sub-score.