U.S. patent application number 10/747203 was filed with the patent office on 2004-08-05 for customer service automation systems and methods.
Invention is credited to Kerven, David Scott, Lockwood, Robert Farrell, Oman, Gregory Max, Purvines, Verne Ewald, Small, David Robert, Smith, Laurie Oldham, White, Mitchell Franklin, Wrather, Jason Leonard.
Application Number | 20040153356 10/747203 |
Document ID | / |
Family ID | 26931926 |
Filed Date | 2004-08-05 |
United States Patent
Application |
20040153356 |
Kind Code |
A1 |
Lockwood, Robert Farrell ;
et al. |
August 5, 2004 |
Customer service automation systems and methods
Abstract
The present invention provides systems and methods for
automation and enhancement of customer service in vehicle distress
situations. A typical process according to the present invention
involves the detection of a vehicle distress event. Once a distress
event is detected, a response plan is generated based upon at least
the detected event. The response plan is then acted upon in an
automated fashion to provide an enhanced service experience for the
customer.
Inventors: |
Lockwood, Robert Farrell;
(Winston Salem, NC) ; Kerven, David Scott;
(Atlanta, GA) ; Oman, Gregory Max; (Wildwood,
MO) ; Purvines, Verne Ewald; (Chesterfield, MO)
; Small, David Robert; (Advance, NC) ; Smith,
Laurie Oldham; (Kernersville, NC) ; White, Mitchell
Franklin; (Atlanta, GA) ; Wrather, Jason Leonard;
(Wentzville, MO) |
Correspondence
Address: |
MCKENNA LONG & ALDRIDGE LLP
1900 K STREET, NW
WASHINGTON
DC
20006
US
|
Family ID: |
26931926 |
Appl. No.: |
10/747203 |
Filed: |
December 30, 2003 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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10747203 |
Dec 30, 2003 |
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09971629 |
Oct 9, 2001 |
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6694234 |
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60238764 |
Oct 6, 2000 |
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Current U.S.
Class: |
705/305 ;
705/1.1 |
Current CPC
Class: |
G07C 5/008 20130101;
G06Q 10/20 20130101; G06Q 50/30 20130101 |
Class at
Publication: |
705/009 ;
705/001 |
International
Class: |
G06F 017/60 |
Claims
What is claimed is:
1. A method for automating and enhancing customer service in
vehicle distress situations comprising: detecting a vehicle
distress event from at least one of a feedback signal from an
on-board sensor, a customer initiated signal, and a third party
reporting; generating a response plan based on the vehicle distress
event, the response plan being selected from at least one of
arranging and delivering a rental vehicle, scheduling a repair
appointment, checking parts availability and preordering out of
stock parts at a location where a repair appointment was scheduled,
dispatching of or scheduling an appointment with a claims adjustor,
and notifying parties designated by the customer; and executing at
least one response plan.
2. A system for automating and enhancing customer service in
vehicle distress situations comprising: a detecting means for
detecting a vehicle distress event; a generating means for
generating a response plan based on the vehicle distress event,
wherein the response plan is selected from at least one of
arranging and delivering a rental vehicle, scheduling a repair
appointment, checking parts availability and preordering out of
stock parts at a location where a repair appointment was scheduled,
dispatching of or scheduling an appointment with a claims adjustor,
and notifying parties designated by the customer; and a executing
means for executing at least one response plan.
Description
CROSS REFERENCES TO RELATED APPLICATIONS
[0001] This application claims benefit of U.S. Provisional Patent
Application No. 60/238,764, filed on Oct. 6, 2000, the entirety of
which is hereby incorporated by reference for all purposes as if
fully set forth herein.
BACKGROUND OF INVENTION
[0002] 1. Field of the Invention
[0003] The present invention relates to systems and methods for
automation and enhancement of customer service in vehicle distress
situations. More particularly, the invention relates to systems and
methods for monitoring motor vehicle operational characteristics to
obtain increased amounts of data relating to the state of the
vehicle for purposes of providing a more comprehensive and
immediate customer service response in cases such as thefts,
accidents, breakdown, potential breakdown, mechanical failure or
potential mechanical failure or emergency.
[0004] 2. Description of Related Art
[0005] Conventional methods for determining the type and level of
customer service required by a consumer were dependent upon on
personal interaction with the customer and their ability to locate
and purchase the needed services after a loss. The principal
problem with such conventional methods is the time required
identifying the need, servicing the need and the extent to which
the customer can effectively purchase the needed services in a
timely manner.
[0006] In instances of distress involving vehicles such as thefts,
accidents, breakdown, potential breakdown, mechanical or other
potential distress situations (collectively, "distress events"),
typical customer services responses may only be initiated by the
customer after the distress event. Some prior art systems suggest
utilization of onboard sensor systems to detect an emergency
situation and to notify appropriate medical and law enforcement
authorities automatically. Such systems improve the response time
in an emergency but do little to help the customer recover from
such situations.
[0007] In one embodiment, the present invention contemplates a new
and improved motor vehicle monitoring, recording and communication
system, which may support improved and enhanced customer service in
response to a distress situation. Such a system is adaptable to
current electronic operating systems, tracking systems and
communication systems for the improved extraction of selected
situational related data. In other embodiments, either the customer
or a third party may initiate the enhanced customer services
contemplated where such vehicle monitoring equipment is unavailable
or malfunctioning.
SUMMARY OF THE INVENTION
[0008] The present invention is directed to systems and methods for
automation and enhancement of customer service in vehicle distress
situations. A typical process according to the present invention
involves the detection of a vehicle distress event. Event detection
may be accomplished in a variety of ways including detection based
upon feedback from onboard sensors, customer initiated reporting or
third party reporting. Once a distress event is detected, a
response plan is generated based upon the detected event. In some
embodiments, the response plan may also be impacted by other
criteria such as insurance coverage connected with the vehicle,
warranty information associated with the vehicle or a customer
profile connected with either the usual driver of the vehicle
and/or the vehicle itself. The response plan is then acted upon in
an automated fashion. Elements of a response plan may include
dispatching appropriate emergency assistance, arranging and
delivering a rental vehicle, scheduling a repair appointment,
checking parts availability and preordering out-of-stock parts at
the location where the repair appointment was scheduled, notifying
the customer of suggested maintenance or immediate potential
problems, dispatching of or scheduling of an appoint with a claims
adjustor, notifying parties designated by the customer.
[0009] Additional advantages of the invention will be set forth in
part in the description which follows, and in part will be obvious
from the description, or may be learned by practice of the
invention. It is to be understood that both the foregoing general
description and the following detailed description are exemplary
and explanatory only and are not restrictive of the invention.
BRIEF DESCRIPTION OF THE DRAWINGS
[0010] The accompanying drawings, which are incorporated in and
constitute a part of this specification, illustrate one embodiment
of the invention and together with the description, serve to
explain the principles of the invention.
[0011] FIG. 1 is a diagram of a typical process according to the
present invention.
[0012] FIG. 2 is a suggestive drawing of a vehicle including
certain data element monitoring/recording devices, control devices
and communications devices
[0013] FIG. 3 is a block diagram of an on-board computer that could
serve as the control device in FIG. 2.
[0014] FIG. 4 is a block diagram depicting various actions that may
be generated in the response plan and executed.
[0015] FIG. 5 is an architecture diagram for a typical back end
environment.
[0016] FIG. 6 is a block diagram graphically depicting typical
non-Web-based communication with the back end environment.
DETAILED DESCRIPTION OF THE INVENTION
[0017] A preferred embodiment of the invention is now described in
detail. Referring to the drawings, like numbers indicate like parts
throughout the views. As used in the description herein, the
meaning of "a," "an," and "the" includes plural reference unless
the context clearly dictates otherwise. Also, as used in the
description herein, the meaning of "in" includes "in" and "on"
unless the context clearly dictates otherwise.
[0018] Ranges may be expressed herein as from "about" one
particular value, and/or to "about" another particular value. When
such a range is expressed, another embodiment includes from the one
particular value and/or to the other particular value. Similarly,
when values are expressed as approximations, by use of the
antecedent "about," it will be understood that the particular value
forms another embodiment. It will be further understood that the
endpoints of each of the ranges are significant both in relation to
the other endpoint, and independently of the other endpoint.
[0019] FIG. 1 depicts a typical process 100 according to the
present invention. A distress event is detected with respect to a
vehicle 110. Upon detection, a response plan is generated 120. The
generated response plan is then executed in an at least a
semi-automated fashion 130. In some embodiments, steps 120 and 130
may be iterative in nature. In such embodiments, partial plan
generation occurs at step 120 followed by execution at 130; the
partial execution may impact further plan generation at step 120
again with subsequent execution at 130. Iterative generation and
execution may continue until the complete customer service plan has
been generated and executed.
[0020] The detection step may occur in several ways. Ultimately, a
notification trigger associated with the distress event is
detected. The notification trigger may result from a direct
communication from the customer, a communication or report from a
third-party or a communication initiated by the vehicle itself. In
some embodiment, the distress event may be detected by multiple of
these aforementioned means. In such situations, a more detailed
indication of the distress event may be possible.
[0021] First, the detection may occur as a result of a
customer-initiated communication indicating the occurrence of the
distress event. The customer may communicate through any
appropriate communications channel. In one preferred embodiment,
the communication may be through a vehicle mounted communication
device such as a mobile telephone, a CB radio or other wireless
transmission device. In other embodiments, the customer may
initiate communication via a wireless communication device that is
not mounted to the vehicle such as a standard mobile telephone or
via a standard telephone connection. The communication may be
received by either a human operator at a control center, an
automated voice response (AVR) system or some combined system. The
communication may be in the form of either an audio transmission or
a data transmission. Audio will contain voice communication by the
customer. In one embodiment, a data transmission may result from a
touch-tone interaction with an AVR system. In other embodiments, a
data transmission may result from the triggering of a device by the
customer such as a panic button that generates and transmits a
predefined data message.
[0022] In another embodiment, the event detection may result from
an action of a third-party. For instance, a law enforcement or
emergency service provider may report a vehicle related incident.
In one embodiment, such reports are monitored according to the
present invention to detect distress events. Reports and/or
information in such reports may be entered into databases which may
be accessed in a variety of ways including, but not limited to,
direct connection, dial-up connection, network connection, etc. In
other embodiments, the reporting agency may proactively forward
reports leading to the detection of the distress event.
[0023] In yet another approach to distress event detection is
through direct access to sensors residing in the distressed
vehicle. The following table summarizes some potential sensors as
well as their potential utilization within the scope of the present
invention.
1 # Type Sensor Purpose 1 Seat belt Report sudden "G" force
indicating collision impact may have occurred 2 "G" Force Report
sudden "G" force indicating collision impact may have occurred (Any
direction) 3 Altimeter Report if the degree of vehicle body roll
indicates a roll-over accident may have occurred 4 Water Report
when water level in vehicle indicates the vehicle may have suffered
flood damage 5 Electrical Report when electrical short indicates
vehicle may be at risk for fire damage 6 Air bag Report air bag
deployment that indicates front end collision has occurred
--Removal by theft 7 Bumper Report abnormal impacts that indicate a
collision may have occurred 8 Panels Report and identify panels
heavily impacted or damaged indicating a collision may have
occurred 9 Parts Report when parts removed from vehicle indicating
possible theft may be in progress 10 Impact Report severity of
impact 11 Anti-theft Report when anti-theft system indicates the
vehicle may be at risk 12 Glass Report when glass broken or removed
from vehicle indicating vehicle may be at risk 13 Key Report if
vehicle started without using the computer chip key issued by the
manufacturer 14 Ignition switch Report if ignition system has been
compromised 15 Locks Report if any locks on the vechile are
compromised (Doors, truck, compartments, etc.) 16 Driver Report
when vehicle being driven by other than identified driver (Voice,
eye, fingerprint, etc.) 17 Locator (GPS) Locate stolen vehicles 18
Functionality Report when vehicles mechanical parts or systems fail
to perform as intended 19 Safety Report when occupants not wearing
safety belt 20 Tires Report sudden loss of air pressure or
vibration in one or more tires 21 Communication link Report if
communication channel from vehicle is compromised 22 Speed Report
when vehicle being driven in excess of the posted speed limit or
limit established by the customer (Parental control) 23 Voice
Report emergencies by voice command (Key word for use in hostage
situation) 24 Maintenance Report when scheduled maintenance is
overdue 25 Barometric Pressure Report sudden increases indicating
an explosion may have occurred 26 Safety Report when any safety
related part on the vehicle fails to perform as intended 27
Environmental Report exposure to any hazard that may be harmful to
either the vehicle or its occupants 28 Temperature Report excessive
internal temperature within occupied vehicles (Child left in
unattended vehicle) 29 Fuel Report when vehicle runs out of fuel 30
Distance traveled Record mileage 31 Anti-theft disabled Record when
anti-theft device is disabled while the vehicle is not operational
32 Rapid acceleration Record when these events occur and or
deceleration their severity 33 ABS engaged Record when the ABS
system is deployed
[0024] With reference to FIG. 2, an exemplary motor vehicle is
shown in which the or devices that may be used for implementing the
subject invention are included on board computer 250 monitors and
records various sensors 260 and operator actions to acquire the
desired data for determining what type of event has occurred and
the data to determine the severity of the event for determining the
appropriate customer service response. Although not shown any
number of operating sensors may be associated with the motor
vehicle to monitor a wide variety of raw data elements. Such data
elements are communicated to the computer through a suitable
communications link 270 such as a connection cable and/or
connectors and/or wireless transceiver and/or other sensors. An
operator-activated device 240 may also be connected to the computer
through cable and/or connectors and/or other sensors. The computer
is powered through the vehicle battery 210 or other power source
such as a conventional generator system (not displayed),
rechargeable battery, etc. Tracking of the vehicle for location
identification can be implemented by the computer 250 through
navigation signals obtained from a global positioning system (GPS)
antenna 220 or other locating system. The communications link to a
central control station is accomplished through the cellular
telephone, radio, satellite or other wireless communication system
230.
[0025] FIG. 3 provides the block diagram of the in-vehicle computer
system 250. The computer 250 in a typical embodiment may include 4
principle components, secondary storage 310, an input/output
subsystem 320 for communicating to a variety of external devices, a
central processing unit and primary storage 330 and a real time
operating kernel 340 for controlling the various processing steps
of the computer 250. The computer 250 communicates with the various
on-board devices that may include an operator-activated device 240
enabling the driver to initiate contact, a navigation subsystem 370
connected to GPS system 380 utilizing antenna 220 and the various
sensors 260 monitoring the physical condition/status/operation of
the vehicle. The vehicle is linked to an operational control center
or AVR 360 by a communications link 350.
[0026] In one particular embodiment, third party reporting or
sensor based reporting may be utilized as the trigger for a
parental control distress event. A police report of a driving under
the influence or excessive speed violation in connection with the
vehicle while being driven by a particular driver could trigger an
automated customer service response. Similarly, sensor detections
of driving in a reckless manner including excessive speed as judged
by actual speed and designated speed limits based upon vehicle
location and GIS data or weaving as judged by lateral force sensors
in the vehicle while the vehicle is being driven by a particular
driver could similarly trigger a response.
[0027] FIG. 6 is a graphical depiction of several communications
mechanisms to the back end customer service automation environment.
Communication to the back end environment may occur via one or more
communication servers. The communication servers may host the AVR
software supporting the automated interactions with the customer
through the customers mobile or landline telephone connection.
Additional communication may occur through direct communication
with onboard sensors as previously described. Further, the
communication may occur through a voice communication channel to an
operator at an operational control center that enters the distress
event information into a suitable configured workstation.
Alternatively, in some embodiments, access to the environment may
be through a computer network such as the Internet as seen in FIG.
5.
[0028] FIG. 5 depicts a typical back end customer service
automation environment. Input information may be filtered through
one or more communication servers that support interfacing with
communications mechanisms. The communication server(s) will have a
communications link to the remainder of the environment; in a
typical embodiment, this link will be a computer network connection
such as the Ethernet depicted. The Ethernet will include suitable
router hardware and software for managing the traffic over the
network. A load-balancing device will optionally be included in the
environment to distribute workload among the various components of
the environment. In addition to the mechanisms in FIG. 6, customer
access to the back end environment may be supported via user
community computers with a communications link to the environment
such as via the Internet; further, third party notification of a
distress event may typically be communicated either by telephone
(landline or mobile) through a human operator or AVR or directly to
the environment via a communications channel such as the
Internet.
[0029] In some embodiments, a data store may be utilized to store
data needed by the environment such as customer and vehicle related
data that is utilized in the response plan generation and
execution. In other embodiments, this data, if required, may be
hosted by a variety of service providers such as insurance
providers, vehicle dealerships or repair facilities, etc. Where a
data store is utilized, any suitable organization may be used such
as one or more database servers, local storage connected to other
systems in the environment, network connected storage devices, etc.
In one embodiment, a relational database is used to store the data
managed by one or more database servers. Other database
architectures such as object-oriented, object relational,
hierarchical spatial or other hybrid architecture could be used in
other embodiments.
[0030] Service providers may also be connected to the environment
via a suitable communications link such as the Internet. Such
providers may include insurance providers, vehicle dealerships,
repair facilities, towing services, rental agencies, emergency and
law enforcement authorities, etc. One or more specific servers in
the environment may be utilized to facilitate the interactions
between the service providers and the environment; in one such
embodiment, one or more business-to-business servers such as the
B2B Servers by WebMethods could be used to support this
functionality.
[0031] The environment may include one or more servers supporting
Web functionality and interaction by members of the user community,
service providers and workstations in an operations center
utilizing the environment. Such Web servers could run any suitable
server software such as the Internet Information Server by
Microsoft or the iPlanet Web Server by iPlanet. In connection with
the Web server, one or more application servers may be used to
support the business and application logic necessary to provide the
customer automation services according to the present invention.
Such application servers could run any suitable application server
software such as WebSphere from IBM or iPlanet's Application
server. The business logic could be implemented through a variety
of technologies and technology architectures including Java
servelets, COM/DCOM objects, CORBA, and/or Enterprise Java Beans.
The application servers may be responsible for encapsulating the
functionality to generate and execute the response plans as
described in more detail below. Communications would be handed off
to appropriate other servers (e.g. Web servers and communications
servers).
[0032] In embodiments utilizing a data store within the
environment, access may occur through specific interfaces in the
application server such as through JDBC protocol. Additional
servers such as the ColdFusion server by Allaire in connection with
the Web server(s) may also provide access to the data store.
[0033] Where the vehicle is provided by a rental agency, the rental
agency may interact with and utilize the environment according to
the present invention. The rental agency may support the enhanced
customer service in all or selected vehicles that it provides to
consumers. In one such embodiment, the renter may be asked at the
point of contracting with the agency to provide identifying
information to the agency. This information may be used within the
scope of the present invention to determine insurance coverage that
the renter may have with respect to rental vehicles. Depending upon
the this determination, the rental agency may offer insurance where
the renter does not have existing coverage or companion coverage
above any existing coverage the renter may have. If accepted, this
coverage, or lack of coverage, information may be used in the
providing the automated customer services of the present invention
with respect to rental vehicles. In a further embodiment, where the
renter's current coverage with her carrier does not provide rental
vehicle coverage, such coverage may be offered by her carrier for
purchase at the point of contracting for the rental. This offer may
be in addition to, or in lieu of, coverage offered by the rental
agency. In one embodiment, the identifying information is not
received at the point of contracting, with the agency, but this
information may be provided by the renter via an operator-activated
device 240, or other appropriate communication mechanism with
either the rental agency or the system according to the present
invention, at some point during the rental period. At such time,
similar checks and offers of coverage may be provided. These offers
may be impacted by any monitored distress events, or lack thereof,
during the time period since the renter took possession of the
vehicle. As with coverage obtained at the point of contracting,
subsequent acquisition of coverage would then be used in in the
providing the automated customer services of the present invention
with respect to rental vehicles.
[0034] In a further embodiment involving rental vehicles, the
monitoring of distress events according to the present invention
may be used to generate pricing over the course of the rental term.
Rental agency typically charge renters on a daily, weekly or
monthly basis. One of the factors in pricing such rentals is the
depreciation in value of the vehicle based upon usage. The distress
events, or lack thereof, as monitored by the present invention may
be utilized to generate surcharges or credits based upon actual use
of the vehicle to more accurately price the rental. Such distress
events may include, without limitation, speeding, excessive mileage
traveled, unreported (potentially minor) collisions or bumps, ABS
deployment, numbers of instances of hard breaking and/or rapid
acceleration. The calculated surcharges or credits may be applied
either as the rental fees accrue on a per day, per week or per
month basis or in one lump credit or surcharge at the end of the
rental period.
[0035] Similarly, a vehicle-leasing agency could use the tracking
of distress events to generate pricing for specific periods of the
lease. In a typical leasing arrangement, the lease costs are paid
in periodic payments over the term of the lease with potential lump
sum payments on the front or back end. The costs of the lease term
utilize a generalized estimate of the depreciation of the vehicle
based upon usage. The monitoring of distress events, or lack
thereof, may be utilized by a leasing agency to provide credits or
surcharges to the lessee based upon actual usage rather than
estimated usage. Such distress events may include, without
limitation, speeding, excessive mileage traveled, improper or
proper compliance with suggested regular maintenance, unreported
(potentially minor) collisions or bumps, ABS deployment, numbers of
instances of hard breaking and/or rapid acceleration. The
monitoring of distress events as specified herein would serve as
the basis for the calculation of the credits or surcharges. The
calculated credits and surcharges could be applied either to the
periodic payments based upon the monitoring over the period covered
by the periodic payment or could be accumulated and assessed at the
end of the lease term as either an end term surcharge, added to any
lump sum end of term payment that might apply, or an end term
refund, applied to any lump sum end of term payment that might
apply.
[0036] The generated response plan will depend upon the distress
event detected. Distress events may fall into several broad
categories including, but not limited too, a vehicular accident; a
vehicle loss due to water or fire; a mechanical failure, or,
potential failure; health danger, or emergency; or a theft, theft
in progress or carjacking. The response plan generated will depend
upon both the generic distress event detected as well as the
factual circumstance of the particular distress event.
[0037] In some embodiments, the generated plan may also involve
automated review of information associated with the customer and/or
the vehicle. For instance, vehicle information such as warranty
coverage, comprehensive and collision insurance coverage, towing
and labor coverage, rental reimbursement coverage, roadside
assistance coverage, mechanical breakdown coverage, service
contract coverage maintenance history, parts lists, suggested
maintenance schedules, etc may impact response plan generation. In
addition, customer information such as timing and method of
notification delivery and priority settings, personal contact
information, individuals requiring contact, preferences of repair
facilities, rental car type, previous service representative, etc.
may further impact response plan generation.
[0038] Once a response plan is generated, or a partial plan in
those embodiment utilizing iterative generation and execution, the
plan, or portion thereof, is executed in at least a semi-automated
fashion. In some embodiments, the response plan may be executed in
a fully automated fashion. The automated actions may be carried out
through a variety of computer systems that may be connected via a
suitable communications channel such as a direct connection, a
dial-up connection, a direct subscriber line, a computer network or
other suitable link. In one embodiment, a computer network such as
an intranet, the Internet, an Ethernet or some combination thereof
connects the various systems.
[0039] FIG. 4 provides a block diagram of various actions that may
be included in a generated response plan and executed according to
the present invention. The arrows are indicative of a progression
of actions in one embodiment; other progressions and actions may be
utilized in other embodiments within the scope of the present
invention.
[0040] The foregoing discussion provides exemplary embodiments with
respect to a variety of distress events including accident and/or
loss due to water or fire, actual or potential mechanical failure
and theft or carjacking situations. The examples discuss potential
modes of detection along with typical actions which may be part of
the generated response plan and which may be executed in an
automated or semi-automated fashion.
[0041] An Accident or Loss due to Flood or Fire
EXAMPLE
[0042] Sensors detect that a vehicle has been involved in a
collision. The sensors indicate that the front end of the vehicle
and right front quarter panel have been damaged. Customers service
responses could include locating the accident site via GPS,
dispatching law enforcement, vehicle towing service, locating a
rental vehicle that matches the preference included in the
customer's profile, and having the rental delivered to the site. An
appointment is made at a local repair shop (again after checking
the customer's preference in their profile) and any out of stock
inventory is ordered.
[0043] Same scenario except the vehicle is a total loss. Instead of
making an appointment at the local repair shop a similar vehicle is
located (in accordance with the customer profile) and financed and
delivered to the customer.
[0044] Notification Triggers:
[0045] vehicle sensor (typical sensors that could be used to
generate this type of trigger are described above);
[0046] customer initiated (typically, the customer could generate
this trigger via a panic button either mounted in the vehicle or
through another suitably configure wireless device (e.g. panic
button with wireless transmitter to car activating transmission of
trigger via vehicles wireless communication facilities, mobile
telephone with suitable preprogramming or specialize hardware,
etc.) or via a mobile or landline telephone to either a human
operator or an AVR); and/or
[0047] 3.sup.rd party initiated (typically, this may result from a
listing of a vehicle as abandoned by appropriate public
authorities, a police report involving the vehicle, etc.).
[0048] Actions could Include:
[0049] Through GPS determine location of the accident or loss.
[0050] Search records to identify types of insurance and/or
warranty coverage provided--physical damage, rental car, mechanical
breakdown and roadside assistance.
[0051] Notify the 24/365 claims call center.
[0052] Notify police, emergency vehicles and tow trucks to the
scene depending upon type and severity of accident or loss as
determined from the one or more notification triggers.
[0053] Depending on coverage, make a "priority" appointment at a
dealership or repair shop. The present invention may support
selection criteria for picking the particular dealership and shop.
The criteria may include affiliation and/or other relationship with
customer service automation provider, geographic proximity,
internal or external rating of shop based upon price, quality,
etc., guarantees and/or warranties provided, etc.
[0054] Make reservations for a rental car that is comparable to the
type involved in the loss or referenced in the customer profile.
The rental car and agency providing the rental car may be selected
based upon a variety of criteria including, but not limited to,
affiliation and/or other relationship with customer service
automation provider, geographic proximity, internal or external
rating of the agency based upon price, quality, etc.
[0055] Deliver the rental car to the customer.
[0056] If a total loss then locate equivalent vehicle from dealer's
lots or from return leased vehicles or other listings of available
vehicles. The present invention may support selection criteria for
picking the particular dealership. The criteria may include
affiliation and/or other relationship with customer service
automation provider, geographic proximity, internal or external
rating of dealership based upon price, quality, etc., guarantees
and/or warranties provided, etc. Arrangements could also be made
with respect to the financing of the replacement vehicle.
[0057] According to the customer profile contact relatives,
employer etc.
[0058] Dispatch an adjuster to the scene.
[0059] Make an appointment to inspect the vehicle and talk to the
customer about the accident.
[0060] Based on vehicle sensors impacted determined what parts are
damaged and check the local dealership if the parts are in
inventory and if they are not order them.
[0061] Mechanical Failure or Potential Mechanical Problem
EXAMPLES
[0062] A sensor detects that there is a problem with tread
separation on a vehicle's tire. Actions could include: calling the
customer immediately, notifying them of the problem and the closest
repair facility, dropping off a Chevy Tahoe if they are driving a
Grand Cherokee and ordering replacement tires if they are not in
the dealership's inventory.
[0063] If it were of lesser concern like a headlight being out or a
defective turn signal then the same process would be followed.
However it would not necessarily be immediate. Written notification
or electronic notification of the problem may be provided. The
delivery platform may be indicated in a customer profile.
[0064] Notification Triggers:
[0065] vehicle sensor (typical sensors that could be used to
generate this type of trigger are described above);
[0066] customer initiated (typically, the customer could generate
this trigger via a panic button either mounted in the vehicle or
through another suitably configure wireless device (e.g. panic
button with wireless transmitter to car activating transmission of
trigger via vehicles wireless communication facilities, mobile
telephone with suitable preprogramming or specialize hardware,
etc.) or via a mobile or landline telephone to either a human
operator or an AVR); and/or
[0067] 3.sup.rd party initiated (this may result from a report by
an affiliate service/repair shop that the vehicle is due for
maintenance (e.g. oil change (after 3000 mile by sensor or after 3
months as determined by date of last oil change), tire rotation,
etc.))
[0068] Actions could Include:
[0069] Through GPS determine location of the vehicle
[0070] Search records to identify types of insurance and/or
warranty coverage provided--Rental car coverage, mechanical
breakdown and roadside assistance
[0071] Notify the 24/365 claims call center.
[0072] Immediate phone call to the customer notifying them of the
issue. This action may depend upon the type of failure, the
severity and the customer's profile.
[0073] Immediate communication to the vehicles communication system
(internal WEB system).
[0074] Provide the customer with options based on the type of
problem and customer profile:
[0075] a) Make an appointment at a dealership or repair shop. See
above discussion of accident distress event with respect to
potential criteria for selection of dealership or repair shop.
[0076] b) Make reservations for a rental car that is similar to the
type as the one needing repair or referenced in the customer
profile. See above discussion of accident distress event with
respect to potential criteria for selection of rental car and
agency.
[0077] c) Deliver the rental car to the customer if the problem is
safety related.
[0078] d) Dispatch a tow truck to take the vehicle to the
dealership or repair shop.
[0079] Based on sensor indicating failure or potential failure,
check the dealership or repair shop for the part in inventory and
order it if necessary.
[0080] Notify the customer, and/or other individuals as indicated
in a customer profile, at a non-driving time if the event is not
serious or safety related.
[0081] Thefts and Carjacking
EXAMPLE
[0082] A sensor detects that the steering wheel is being
compromised, or the airbag is being removed without having deployed
or that multiple assemblies have been removed indicating that the
car is being disassembled. Locate the vehicle, dispatch the police
and the adjuster, notify Special Investigative Unit and the
customer. Deliver a comparable rental vehicle and dispatch an
adjuster. Search available inventory for comparable vehicles and
offer them to the customer upon settlement to settle the claim.
[0083] Notification Triggers:
[0084] vehicle sensor (typical sensors that could be used to
generate this type of trigger are described above);
[0085] customer initiated (typically, the customer could generate
this trigger via a panic button either mounted in the vehicle or
through another suitably configure wireless device (e.g. panic
button with wireless transmitter to car activating transmission of
trigger via vehicles wireless communication facilities, mobile
telephone with suitable preprogramming or specialize hardware,
etc.) or via a mobile or landline telephone to either a human
operator or an AVR); and/or
[0086] 3.sup.rd party initiated (reports of theft to police or
abandonent of vehicles)
[0087] Actions could Include:
[0088] Through GPS determine location of the vehicle.
[0089] Search records to identify types of warranty and/or
insurance coverage provided--physical damage, rental car,
mechanical breakdown and roadside assistance.
[0090] Notify police and Special Investigative Unit.
[0091] Notify customer and/or individuals designated in the
customer's profile.
[0092] Make reservations for a rental car that is similar to the
type in the theft or referenced in the customer profile. See above
discussion of accident distress event with respect to potential
criteria for selection of rental car and agency.
[0093] Deliver the rental car to the customer.
[0094] If a total loss then locate equivalent vehicle from dealer's
lots or from return leased vehicles. See above discussion of
accident distress event with respect to potential criteria for
selection of dealership.
[0095] Dispatch an adjuster.
[0096] In all cases above, the designated actions may be impacted
based upon results of earlier occurring actions. For instance,
retrieval of customer profile and insurance/warranty information
may significantly impact whether a subsequent action occurs or the
parameters to be used in such subsequent actions.
[0097] Throughout this application, various publications may have
been referenced. The disclosures of these publications in their
entireties are hereby incorporated by reference into this
application in order to more fully describe the state of the art to
which this invention pertains.
[0098] The embodiments described above are given as illustrative
examples only. It will be readily appreciated that many deviations
may be made from the specific embodiments disclosed in this
specification without departing from the invention.
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