“Elements of disclosure embody a streamlined and environment friendly course of for claims administration and disclosure strategies, computer-readable media, and equipment to automate the processing and backbone of claims associated to an insured merchandise. A cellular gadget can retrieve damage-related information (e.g., information) related to an insured merchandise. pictures, movies, and many others.) to the superior claims processing server.
“In one other facet of the reason, a sophisticated claims processing server can analyze harm information obtained from a cellular gadget to generate a restore price estimate for repairing the insured merchandise.
“Different elements of the disclosure could also be offered in a computer-readable medium with computer-executable directions that, when executed, trigger a pc, person terminal, or different equipment to carry out a minimum of a number of of the operations described herein.”
The claims made by the inventors are:
“one. one . A way comprising: receiving a minimum of one picture of an insured merchandise from a distant person computing gadget related to a person of an insured merchandise by a processor within the superior claims processing server by way of a community; figuring out, by the processor on the improved request processing server, a minimal standards related to pictures obtained by way of a community; analyzing a minimum of one picture by the processor within the superior request processing server; submit a request for added pictures by the processor within the superior request processing server, based mostly on the truth that a minimum of one picture doesn’t meet the required minimal standards; mechanically figuring out by the processor within the superior claims processing server an insurance coverage declare kind related to the a minimum of one picture, based mostly on figuring out that a minimum of one picture or one of many further pictures meets the required minimal standards; mechanically figuring out by the processor within the superior claims processing server whether or not the kind of insurance coverage declare is included in an automatic processing system; and performing automated harm evaluation on a minimum of one picture by the processor within the enhanced claims processing server, the automated declare evaluation course of comprising: performing object detection on a minimum of one picture by the processor within the enhanced claims processing server, pc readable of a sure portion of the insured merchandise displayed in a minimum of one picture a picture to find out whether or not it’s and whether or not a minimum of one picture is appropriate for figuring out a harm estimate for the insured merchandise; performing object detection on a minimum of one picture to establish a broken space by the processor within the superior request processing server; analyzing the broken space of the a minimum of one picture for uncooked depth information by the processor within the superior demand processing server; figuring out by the processor within the superior declare processing server the uncooked depth information of the broken space from a minimum of one picture to establish a notch inside the broken space, the uncooked depth information related to the traits of the broken space defining the dent inside the broken space; calculating the harm estimation based mostly on the uncooked depth information of the broken space, broken space and dent by the processor within the superior claims processing server; performing object detection on a number of reference pictures from a reference picture database containing the plurality of reference pictures by the processor within the superior request processing server; Identification of a number of reference pictures chosen by the processor from the reference picture database, together with a plurality of reference pictures, within the superior request processing server, the place a number of chosen reference pictures chosen from a number of reference pictures equally present the harm. harm to the insured merchandise is recognized by evaluating the three-dimensional coordinates of a minimum of one picture with the three-dimensional coordinates of the multiplicity of a number of reference pictures; performing picture modification on a number of reference pictures chosen by the processor within the superior claims processing server to isolate comparable harm to the insured merchandise; acquiring a harm sample with harm information related to the remoted harm of a number of chosen reference pictures from a knowledge retailer by the processor within the superior declare processing server; evaluating the harm to the insured product with the harm information within the harm template by the processor within the superior claims dealing with server; and automated adjustment of the harm estimate by the processor within the superior claims dealing with server, based mostly on the harm information within the harm template and a results of evaluating the harm to the insured merchandise with the harm information within the harm sample.
2. The strategy of declare 1, additional comprising: transmitting directions from the processor within the superior claims processing server to the distant person computing gadget on seize picture information regarding the harm of the insured merchandise.
3. The strategy of declare 1, additional comprising: figuring out a further reference picture of a undamaged model of the insured merchandise by the processor on the superior claims processing server; and evaluating the extra reference picture with the a minimum of one picture to find out the broken space of the fused merchandise, utilizing a picture processing algorithm.
4. The strategy of declare 1, whereby the options of the broken area defining the notch inside the broken space embody a normal slope of the despair.
5. The strategy of declare 2, additional comprising: transmitting a number of further directions from the processor within the superior request processing server to the distant person computing gadget when a minimum of one of many pictures is unacceptable.
6. The strategy of declare 1, additional comprising coloring and texturing the broken space in a minimum of one picture by the processor within the superior demand processing server.
7. The strategy of declare 1, additional comprising: figuring out, based mostly on the harm estimate, an settlement by the processor within the enhanced claims dealing with server to pay an insurance coverage declare for harm to the insured merchandise.
8. The strategy of declare 7, additional comprising: transmitting the negotiation from the processor within the superior request processing server to the distant person computing gadget.
9. The strategy of declare 8, additional comprising receiving a notification from the distant person computing gadget indicating whether or not the settlement has been accepted by the processor within the superior request processing server.
“10. 9. The strategy of declare 9, additional comprising: transferring, upon acceptance of the settlement, the funds specified within the settlement to the superior claims processing server by the processor to the account of an proprietor of the insured merchandise.
“eleventh. 9. The strategy of declare 9, additional comprising: forwarding the settlement to a claims adjuster for handbook processing of the insurance coverage declare related to the insured merchandise by the processor within the superior claims dealing with server when the settlement is just not accepted.
12. The strategy of declare 1, whereby the insured product features a automobile.
13. The strategy of declare 1, whereby calculating the harm estimation by the processor within the enhanced render server contains figuring out the depth of injury by the processor within the enhanced render server utilizing a minimum of considered one of stereoscopic strategies and three-dimensional video. .
“14. The strategy of declare 1, additional comprising: correlating a minimum of one picture obtained from the person computing gadget by the processor within the superior rendering server, upon acceptance of a minimum of one picture obtained by the processor within the superior rendering server, a document of the insurance coverage declare saved in a database with.
“15. 2. The strategy of declare 1, additional comprising: transmitting a listing of really helpful restore outlets for repairing harm to the insured merchandise from the processor within the superior harm dealing with server to the distant person computing gadget.
There are further claims. To learn extra, please go to the total patent.
For the URL and extra data relating to this patent, see: Brandmaier, Jennifer A. Consumer interactions in cellular harm evaluation and declare processing.
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