U.S. patent application number 11/115867 was filed with the patent office on 2006-10-26 for web based repair cost estimating system.
Invention is credited to Pankaj Desai, Steve Glendenning, Stan Griffin, Sonja Larson, Shahram Vahidi.
Application Number | 20060242089 11/115867 |
Document ID | / |
Family ID | 37188248 |
Filed Date | 2006-10-26 |
United States Patent
Application |
20060242089 |
Kind Code |
A1 |
Vahidi; Shahram ; et
al. |
October 26, 2006 |
Web based repair cost estimating system
Abstract
A web based insurance estimating system. The system includes a
client computer that can launch client-side integrated processing
software through a web-based application. The system also includes
a server that generates information for a repair cost estimate web
page. The repair cost estimate web page is displayed at the client
computer. The repair cost estimate web page has properties that can
be configured by a user at the client computer. The server can
automatically populate fields of one or more web pages in response
to a vehicle identification number entered by the user. The system
can provide estimates for vehicles with less than four wheels such
as motorcycles, snowmobiles and personal watercraft. One of the
insurance damage web pages may graphically identify the location(s)
of a paint code plate on a vehicle. The web page may also provide a
list of selectable paint codes that allows the user to select a
paint code for a vehicle.
Inventors: |
Vahidi; Shahram;
(Pleasanton, CA) ; Griffin; Stan; (Livermore,
CA) ; Desai; Pankaj; (Walnut Creek, CA) ;
Larson; Sonja; (Benicia, CA) ; Glendenning;
Steve; (San Ramon, CA) |
Correspondence
Address: |
IRELL & MANELLA LLP
840 NEWPORT CENTER DRIVE
SUITE 400
NEWPORT BEACH
CA
92660
US
|
Family ID: |
37188248 |
Appl. No.: |
11/115867 |
Filed: |
April 26, 2005 |
Current U.S.
Class: |
705/400 |
Current CPC
Class: |
G06Q 30/0206 20130101;
G06Q 10/10 20130101; G06Q 10/20 20130101; G06Q 40/08 20130101; G06Q
30/0283 20130101 |
Class at
Publication: |
705/400 |
International
Class: |
G06F 17/00 20060101
G06F017/00 |
Claims
1. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: a server that
contains at least one repair cost estimate web page and repair cost
estimate web page information; and, a client computer that is
coupled to said server to display said repair cost estimate web
page and launches an integrated processing program from a web based
application to render vehicle graphical images and perform repair
cost calculations.
2. The system of claim 1, wherein said server transmits a control
command if said integrated processing program does not have said
control command.
3. The system of claim 1, wherein said repair cost estimate web
page has properties that can be configured by a user.
4. The system of claim 1, wherein said server populates a plurality
of data fields of said repair cost estimate web page in response to
entry of a vehicle identification number.
5. The system of claim 1, wherein said repair cost estimate web
page includes data for a motorcycle.
6. The system of claim 1, wherein said repair cost estimate web
page includes data for a snowmobile.
7. The system of claim 1, wherein said repair cost estimate web
page includes data for a personal watercraft.
8. The system of claim 1, wherein said repair cost estimate web
page graphically identifies a paint code locator of a vehicle.
9. The system of claim 1, wherein said repair cost estimate web
page provides a list of selectable paint codes.
10. The system of claim 1, wherein said repair cost estimate web
page includes validation controls that validate data entries
without accessing said server.
11. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: server means for
transmitting at least one repair cost estimate web page and repair
cost estimate web page information; and, client computer means for
displaying said repair cost estimate web page and launching an
integrated processing program from a web based application to
render vehicle graphical images and perform repair cost
calculations.
12. The system of claim 11, wherein said server means transmits a
control command if said integrated processing program does not have
said control command.
13. The system of claim 11, wherein said repair cost estimate web
page has properties that can be configured by a user.
14. The system of claim 11, wherein said server means populates a
plurality of data fields of said repair cost estimate web page in
response to entry of a vehicle identification number.
15. The system of claim 11, wherein said repair cost estimate web
page includes data for a motorcycle.
16. The system of claim 11, wherein said repair cost estimate web
page includes data for a snowmobile.
17. The system of claim 11, wherein said repair cost estimate web
page includes data for a personal watercraft.
18. The system of claim 11, wherein said repair cost estimate web
page graphically identifies a paint code locator of a vehicle.
19. The system of claim 11, wherein said repair cost estimate web
page provides a list of selectable paint codes.
20. The system of claim 11, wherein said repair cost estimate web
page includes validation controls that validate data entries
without accessing said server means.
21. A computer program storage medium that causes a client computer
to receive at least one repair cost estimate web page from a server
through a broadband network, comprising: a computer program storage
medium that includes a program that causes a client computer to
display a repair cost estimate web page and launch an integrated
processing program from a web based application to render vehicle
graphical images and perform repair cost calculations.
22. The storage medium of claim 21, wherein said program causes
said client to receive a control command from the server if said
integrated processing program does not have said control
command.
23. The storage medium of claim 21, wherein said damage estimate
web page has properties that can be configured by a user.
24. The storage medium of claim 21, wherein said repair cost
estimate web page includes data for a motorcycle.
25. The storage medium of claim 21, wherein said repair cost
estimate web page includes data for a snowmobile.
26. The storage medium of claim 21, wherein said repair cost
estimate web page includes data for a personal watercraft.
27. The storage medium of claim 21, wherein said repair cost
estimate web page graphically identifies a paint code locator of a
vehicle.
28. The storage medium of claim 21, wherein said repair cost
estimate web page provides a list of selectable paint codes.
29. The storage medium of claim 21, wherein said repair cost
estimate web page includes validation controls that validate data
entries without accessing said server.
30. A method for providing at least one repair cost estimate web
page through a broadband network, comprising: launching an
integrated processing program from a web application of a client
computer; displaying a repair cost estimate web page; and rendering
vehicle graphical images and performing repair cost calculations
with the integrated processing program.
31. The method of claim 30, further comprising transmitting a
control command from the server to the client computer if the
integrated processing program does not have the control
command.
32. The method of claim 30, further comprising configuring
properties of the repair cost estimate web page.
33. The method of claim 30, further comprising inputting a vehicle
identification number at the client computer and populating a
plurality of data fields of the repair cost estimate web page in
response to the entry of the vehicle identification number.
34. The method of claim 30, wherein the repair cost estimate web
page includes data for a motorcycle.
35. The method of claim 30, wherein the repair cost estimate web
page includes data for a snowmobile.
36. The method of claim 30, wherein the repair cost estimate web
page includes data for a personal watercraft.
37. The method of claim 30, further comprising graphically
identifying a paint code locator of a vehicle.
38. The method of claim 30, further comprising selecting one of a
plurality of selectable paint codes.
39. The method of claim 30, further comprising validating an input
entered into the repair cost estimate web page.
40. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: a client computer
that can receive a vehicle identification number entered by a user
and transmit the vehicle identification number through the
broadband network; and, a server that populates a repair cost
estimate web page with data that corresponds to the vehicle
identification number.
41. The system of claim 40, wherein said server transmits a control
command if said integrated processing program does not have said
control command.
42. The system of claim 40, wherein said repair cost estimate web
page has properties that can be configured by a user.
43. The system of claim 40, wherein said repair cost estimate web
page graphically identifies a paint code locator of a vehicle.
44. The system of claim 40, wherein said repair cost estimate web
page provides a list of selectable paint codes.
45. The system of claim 40, wherein said repair cost estimate web
page includes validation controls.
46. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: client computer means
for receiving a vehicle identification number entered by a user and
transmitting the vehicle identification number through the
broadband network; and, server means for populating a repair cost
estimate web page with data that corresponds to the vehicle
identification number.
47. The system of claim 46, wherein said server means transmits a
control command if said integrated processing program does not have
said control command.
48. The system of claim 46, wherein said repair cost estimate web
page has properties that can be configured by a user.
49. The system of claim 46, wherein said repair cost estimate web
page graphically identifies a paint code locator of a vehicle.
50. The system of claim 46, wherein said repair cost estimate web
page provides a list of selectable paint codes.
51. The system of claim 46, wherein said repair cost estimate web
page includes validation controls.
52. A computer program storage medium that creates at least one
repair cost estimate web page that is transmitted through a
broadband network, comprising: a computer program storage medium
that includes a program that causes a server computer to populate a
repair cost estimate web page with data that corresponds to a
vehicle identification number received by the server from a client
computer.
53. The storage medium of claim 52, wherein said program causes
said client to receive a control command from the server if said
integrated processing program does not have said control
command.
54. The storage medium of claim 52, wherein said repair cost
estimate web page has properties that can be configured by a
user.
55. The storage medium of claim 52, wherein said repair cost
estimate web page graphically identifies a paint code locator of a
vehicle.
56. The storage medium of claim 52, wherein said repair cost
estimate web page provides a list of selectable paint codes.
57. The storage medium of claim 52, wherein said repair cost
estimate web page includes validation controls.
58. A method for providing at least one repair cost estimate web
page through a broadband network, comprising: entering a vehicle
identification number into a client computer that displays a repair
cost estimate web page; transmitting through a broadband network
the vehicle identification number; receiving the vehicle
identification number at a server; correlating data with the
vehicle identification number; transmitting the data through the
broadband network; and, populating the repair cost estimate web
page with the data at the client computer.
59. The method of claim 58, further comprising transmitting a
control command from the server to the client computer if the
integrated processing program does not have the control
command.
60. The method of claim 58, further comprising configuring
properties of the repair cost estimate web page.
61. The method of claim 58, further comprising graphically
identifying a paint code locator of a vehicle.
62. The method of claim 58, further comprising selecting one of a
plurality of selectable paint codes.
63. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: a client computer
that accesses a web site; and, a server that generates a repair
cost estimate web page of said web site for a vehicle that has less
than four wheels, said repair cost estimate web page being
transmitted to said client computer.
64. The system of claim 63, comprising: a server that contains at
least one repair cost estimate web page and repair cost estimate
web page information; and, a client computer that is coupled to
said server to display said repair cost estimate web page and
launches an integrated processing program from a web based
application to render vehicle graphical images and perform repair
cost calculations.
65. The system of claim 63, wherein said repair cost estimate web
page has properties that can be configured by a user.
66. The system of claim 63, wherein said vehicle is a
motorcycle.
67. The system of claim 63, wherein said vehicle is a
snowmobile.
68. The system of claim 63, wherein said vehicle is a personal
watercraft.
69. The system of claim 63, wherein said repair cost estimate web
page includes validation controls.
70. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: client computer means
for accessing a web site; and, server means for generating a repair
cost estimate web page of said web site for a vehicle with less
than four wheels, and transmitting said repair cost estimate web
page to said client computer means.
71. The system of claim 70, wherein said server means transmits a
control command if said integrated processing program does not have
said control command.
72. The system of claim 70, wherein said repair cost estimate web
page has properties that can be configured by a user.
73. The system of claim 70, wherein said vehicle is a
motorcycle.
74. The system of claim 70, wherein said vehicle is a
snowmobile.
75. The system of claim 70, wherein said vehicle is a personal
watercraft.
76. A computer program storage medium that causes a client computer
to receive at least one repair cost estimate web page from a server
through a broadband network, comprising: a computer program storage
medium that includes a program that causes a server to generate a
repair cost estimate web page for a vehicle that has less than four
wheels.
77. The storage medium of claim 76, wherein said program causes
said client to receive a control command from the server if said
integrated processing program does not have said control
command.
78. The storage medium of claim 76, wherein said repair cost
estimate web page has properties that can be configured by a
user.
79. The storage medium of claim 76, wherein said vehicle is a
motorcycle.
80. The storage medium of claim 76, wherein said vehicle is a
snowmobile.
81. The storage medium of claim 76, wherein said vehicle is a
personal watercraft.
82. The storage medium of claim 76, wherein said repair cost
estimate web page includes validation controls.
83. A method for retrieving at least one repair cost estimate web
page through a broadband network, comprising: accessing a web site
from a client computer through a broadband network; generating a
repair cost estimate web page of the web site for a vehicle with
less than four wheels; transmitting the repair cost estimate web
page through the broadband network; and, receiving the repair cost
estimate web page at the client computer.
84. The method of claim 83, further comprising transmitting a
control command from the server to the client computer if the
integrated processing program does not have the control
command.
85. The method of claim 83, further comprising configuring
properties of the repair cost estimate web page.
86. The method of claim 83, wherein the vehicle is a
motorcycle.
87. The method of claim 83, wherein the vehicle is a
snowmobile.
88. The method of claim 83, wherein the vehicle is a personal
watercraft.
89. The method of claim 83, further comprising validating an input
entered into the repair cost estimate web page.
90. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: a client computer
that accesses a web site through the broadband network; and, a
server that generates a repair cost estimate web page of said web
site, said repair cost estimate web page graphically identifies a
paint code locator of a vehicle.
91. The system of claim 90, wherein said server transmits a control
command if said integrated processing program does not have said
control command.
92. The system of claim 90, wherein said repair cost estimate web
page has properties that can be configured by a user.
93. The system of claim 90, wherein said server populates a
plurality of data fields of said repair cost estimate web page in
response to entry of a vehicle identification number.
94. The system of claim 93, wherein said repair cost estimate web
page provides a list of selectable paint codes.
95. The system of claim 90, wherein said repair cost estimate web
page includes validation controls.
96. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: client computer means
for accessing a web site; and, server means for generating a repair
cost estimate web page of said web site, said repair cost estimate
web page graphically identifies a paint code locator of a
vehicle.
97. The system of claim 96, wherein said server means transmits a
control command if said integrated processing program does not have
said control command.
98. The system of claim 96, wherein said repair cost estimate web
page has properties that can be configured by a user.
99. The system of claim 96, wherein said server means populates a
plurality of data fields of said repair cost estimate web page in
response to entry of a vehicle identification number.
100. The system of claim 96, wherein said repair cost estimate web
page provides a list of selectable paint codes.
101. The system of claim 96, wherein said repair cost estimate web
page includes validation controls.
102. A computer program storage medium that causes a client
computer to receive at least one repair cost estimate web page from
a server through a broadband network, comprising: a computer
program storage medium that includes a program that causes a server
computer to generate a repair cost estimate web page that
graphically identifies a paint code locator of a vehicle.
103. The storage medium of claim 102, wherein said program causes
said client to receive a control command from the server if said
integrated processing program does not have said control
command.
104. The storage medium of claim 102, wherein said repair cost
estimate web page has properties that can be configured by a
user.
105. The storage medium of claim 102, wherein said repair cost
estimate web page provides a list of selectable paint codes.
106. The storage medium of claim 102, wherein said repair cost
estimate web page includes validation controls.
107. A method for providing at least one repair cost estimate web
page through a broadband network, comprising: accessing a web site
from a client computer through the broadband network; generating a
repair cost estimate web page that graphically identifies a paint
code locator of a vehicle; transmitting the repair cost estimate
web page through the broadband network; and, receiving the repair
cost estimate web page at the client computer.
108. The method of claim 107, further comprising transmitting a
control command from the server to the client computer if the
integrated processing program does not have the control
command.
109. The method of claim 107, further comprising configuring
properties of the repair cost estimate web page.
110. The method of claim 107, further comprising inputting a
vehicle identification number at the client computer and populating
a plurality of data fields of the repair cost estimate web page in
response to the vehicle identification number.
111. The method of claim 107, further comprising selecting one of a
plurality of selectable paint codes.
112. The method of claim 107, further comprising validating an
input entered into the repair cost estimate web page.
113. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: a client computer
that accesses a web site through the broadband network; and, a
server that generates a repair cost estimate web page of said web
site, said repair cost estimate web page provides a list of
selectable paint codes.
114. The system of claim 113, wherein said server transmits a
control command if said integrated processing program does not have
said control command.
115. The system of claim 113, wherein said repair cost estimate web
page has properties that can be configured by a user.
116. The system of claim 113, wherein said server populates a
plurality of data fields of said repair cost estimate web page in
response to entry of a vehicle identification number.
117. The system of claim 113, wherein said repair cost estimate web
page includes validation controls.
118. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: client computer means
for accessing a web site; and, server means for generating a repair
cost estimate web page of said web site, said repair cost estimate
web page provides a list of selectable paint codes.
119. The system of claim 118, wherein said server means transmits a
control command if said integrated processing program does not have
said control command.
120. The system of claim 118, wherein said repair cost estimate web
page has properties that can be configured by a user.
121. The system of claim 118, wherein said server means populates a
plurality of data fields of said repair cost estimate web page in
response to entry of a vehicle identification number.
122. The system of claim 118, wherein said repair cost estimate web
page includes validation controls.
123. A computer program storage medium that causes a client
computer to receive at least one repair cost estimate web page from
a server through a broadband network, comprising: a computer
program storage medium that includes a program that causes a server
computer to generate a repair cost estimate web page that provides
a list of selectable paint codes.
124. The storage medium of claim 123, wherein said program causes
said client to receive a control command from the server if said
integrated processing program does not have said control
command.
125. The storage medium of claim 123, wherein said repair cost
estimate web page has properties that can be configured by a
user.
126. The storage medium of claim 123, wherein said repair cost
estimate web page includes validation controls.
127. A method for retrieving at least one repair cost estimate web
page through a broadband network, comprising: accessing a web site
from a client computer through the broadband network; generating a
repair cost estimate web page that provides a list of selectable
paint codes; transmitting the repair cost estimate web page through
the broadband network; receiving the repair cost estimate web page
at the client computer; and, selecting one of the paint codes.
128. The method of claim 127, further comprising transmitting a
control command from the server to the client computer if the
integrated processing program does not have the control
command.
129. The method of claim 127, further comprising configuring
properties of the repair cost estimate web page.
130. The method of claim 127, further comprising inputting a
vehicle identification number at the client computer and populating
a plurality of data fields of the repair cost estimate web page in
response to entry of the vehicle identification number.
131. The method of claim 127, further comprising validating an
input entered into the repair cost estimate web page.
132. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: a client computer
that accesses a web site through the broadband network; and, a
server that generates an repair cost estimate web page of said web
site, said repair cost estimate web page provides at least one data
field, said server including validation control to validate entry
of data into said data field.
133. The system of claim 132, wherein said validation control
validates an entry of a character.
134. The system of claim 132, wherein said validation control
validates entry of said data into said entire data field.
135. The system of claim 132, wherein said validation control
validates entry of said data into said entire repair cost estimate
web page.
136. The system of claim 132, wherein said repair cost estimate web
page data field is formatted.
137. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: client computer means
for accessing a web site; and, server means for generating a repair
cost estimate web page of said web site, receiving data into at
least one data field and validating entry of said data into said
data field.
138. The system of claim 137, wherein said server means validates
an entry of a character.
139. The system of claim 137, wherein said server means validates
entry of said data into said entire data field.
140. The system of claim 137, wherein said validation control
validates entry of said data into said entire repair cost estimate
web page.
141. The system of claim 137, wherein said repair cost estimate web
page data field is formatted.
142. A computer program storage medium that causes a client
computer to receive at least one repair cost estimate web page from
a server through a broadband network, comprising: a computer
program storage medium that includes a program that causes a server
computer to generate an repair cost estimate web page, said repair
cost estimate web page provides at least one data field validation
control to validate entry of data into said data field.
143. The storage medium of claim 142, wherein said validation
control validates an entry of a character.
144. The storage medium of claim 142, wherein said validation
control validates entry of said data into said entire data
field.
145. The storage medium of claim 142, wherein said validation
control validates entry of said data into said entire repair cost
estimate web page.
146. The storage medium of claim 142, wherein said repair cost
estimate web page data field is formatted.
147. A method for entering data into at least one repair cost
estimate web page through a broadband network, comprising:
accessing a web site from a client computer through the broadband
network; generating a repair cost estimate web page that provides a
data field; entering data into the data field; and, validating the
data entry.
148. The method of claim 147, wherein the act of validating
includes validating a character entered into the data field.
149. The method of claim 147, wherein the act of validating
includes validating the entire data field.
150. The method of claim 147, wherein the act of validating
includes validating the entire repair cost estimate web page.
151. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: a server that
contains a plurality of repair cost estimate web pages including a
configuration web page that allows a user to select various display
properties that are subsequently displayed in said plurality of
repair cost estimate web pages; and, a client computer that is
coupled to said server and displays said repair cost estimate web
pages.
152. The system of claim 151, wherein said configuration web page
allows for selection of damage page view settings.
153. The system of claim 151, wherein said configuration web page
allows for selection of a data field.
154. A system that provides at least one repair cost estimate web
page through a broadband network, comprising: server means for
providing a plurality of repair cost estimate web pages including a
configuration web page that allows a user to select various display
properties that are subsequently displayed in said plurality of
repair cost estimate web pages; and, a client computer that is
coupled to said server and displays said repair cost estimate web
pages.
155. The system of claim 154, wherein said configuration web page
allows for selection of damage page view settings.
156. The system of claim 154, wherein said configuration web page
allows for selection of a data field.
157. A computer program storage medium that causes a client
computer to receive at least one repair cost estimate web page from
a server through a broadband network, comprising: a computer
program storage medium that includes a program that causes a server
computer to provide a plurality of repair cost estimate web pages
including a configuration web page that allows a user to select
various display properties that are subsequently displayed in said
plurality of repair cost estimate web pages.
158. The system of claim 157, wherein said configuration web page
allows for selection of damage page view settings.
159. The system of claim 157, wherein said configuration web page
allows for selection of a data field.
160. A method for configuring at least one repair cost estimate web
page through a broadband network, comprising: providing a
configuration web page that allows for selection of a plurality of
display properties; and, selecting a display property.
161. The method of claim 160, wherein the display properties
include a damage page view setting.
162. The method of claim 160, wherein the display properties
include a data field.
Description
BACKGROUND OF THE INVENTION
[0001] 1. Field of the Invention
[0002] The subject matter disclosed generally relates to a method
and system for generating a repair cost estimate for a damaged
vehicle through a web site.
[0003] 2. Background Information
[0004] When a vehicle such as an automobile is damaged the owner
may file a claim with an insurance carrier. A claims adjuster
typically inspects the vehicle to determine the amount of damage
and the costs required to repair the automobile. The owner of the
vehicle or the vehicle repair facility may receive a check equal to
the estimated cost of the repairs. If the repair costs exceed the
value of the automobile, or a percentage of the car value, the
adjuster may "total" the vehicle. The owner may then receive a
check equal to the value of the automobile.
[0005] The repair costs and other information may be entered by the
adjuster into an estimate report. After inspection the adjuster
sends the estimate report to a home office for approval. To improve
the efficiency of the claims process there have been developed
computer systems and accompanying software that automate the
estimate process. By way of example, the assignee of the present
invention, Automatic Data Processing, Inc, ("ADP") provides a
software product under the trademark PenPro that allows a claims
adjuster to enter estimate data. The PenPro product has a client
side software platform that is loaded into the computer of a client
such as a claims adjuster. The client based software interfaces
with a home office computer system. The home office computer system
contains large databases that store claims records used to process
insurance claims.
[0006] Client based platforms such as PenPro require a dedicated
link to the home office. Dedicated closed systems can be limiting
to the client user. There have been developed web based insurance
estimating systems. Such systems have limited features and
functions for an estimating system. It would be desirable to
provide a web based insurance estimating system that has enhanced
features/functions over systems of the prior art.
BRIEF SUMMARY OF THE INVENTION
[0007] A method and system for retrieving a repair cost estimate
web page through a broadband network. The system may include a
client computer that launches integrated processing software on the
client computer from within a web-based application. The system may
also include a server that transmits repair cost estimate web page
information and software to process the estimate information to the
client computer.
BRIEF DESCRIPTION OF THE DRAWINGS
[0008] FIG. 1 is a schematic of a network system that can be used
to generate a repair cost estimate report through a broadband
network;
[0009] FIG. 2 is a schematic of a computer of the system;
[0010] FIG. 3 is a flowchart showing the accessing of a web-based
site for generating repair cost estimate information;
[0011] FIG. 4 is a graphical user interface used to configure
properties of web pages;
[0012] FIG. 5 is a flowchart showing the accessing of a repair cost
estimate web-based site;
[0013] FIG. 6 is a graphical user interface used to enter a vehicle
identification number;
[0014] FIG. 7 is a graphical user interface used to enter and/or
select damaged parts of a vehicle;
[0015] FIG. 8 is a graphical user interface that provides a running
cost total for the damaged vehicle;
[0016] FIG. 9 is a graphical user interface that identifies a paint
code locator of a vehicle;
[0017] FIG. 10 is a graphical user interface that allows a user to
select a paint code from a list of paint codes;
[0018] FIG. 11 is a graphical user interface that shows validation
controls of the process;
[0019] FIG. 12 is a graphical user interface that shows a web page
used to estimate a motorcycle;
[0020] FIG. 13 is a graphical user interface that shows a web page
used to estimate a snowmobile;
[0021] FIG. 14 is a graphical user interface that shows a web page
used to estimate a personal watercraft.
DETAILED DESCRIPTION
[0022] Disclosed is a web based insurance estimating system. The
system includes a client computer that can launch integrated
client-side processing software through a web-based application.
The integrated client-side processing software has the ability to
display part information for a vehicle in textual and graphical
formats, it may highlight selected graphical and textual
representations of vehicle parts, it can calculate damage line
costs, it can display all available operations for parts and labor
on the vehicle and allow the user to select one or more operations
for a part or change data values for any operation for a part, it
can search for part information on the vehicle using textual search
keys, it can provide summary information on the vehicle parts in
the part graphics sections, it can display assembly/component
information for a plurality of parts, it can display the labor
tasks associated with a part, it can display decision support
information for operations that can be added to the estimate, it
can display a comparison of repair cost to vehicle value, it may be
configurable by the user of the system, and it may provide a way to
select vehicle sections containing parts using an icon. The system
also includes a server that generates information for a repair cost
estimate web page. The repair cost estimate web page is displayed
at the client computer.
[0023] The repair cost estimate web page has properties that can be
configured by a user at the client computer. The configurable
properties may include settings for language preferences, claim
selection screen columns, part selection screens, labor rates,
material rates, tax rates, tiered tax rates, part cost adjustment
amounts, lists of commonly used estimate operations, repair
facility information, aftermarket part preferences, recycled part
preferences, mandatory estimate fields, paint cost thresholds, and
preferences for importing and exporting of estimate and assignment
data. The server can automatically populate fields of one or more
web pages in response to a vehicle identification number entered by
the user.
[0024] The system can provide estimates for vehicles with less than
four wheels such as motorcycles, snowmobiles and personal
watercraft. One of the insurance damage web pages may graphically
identify the location(s) of a paint code plate on a vehicle. The
web page may also provide a list of selectable paint codes that
allows the user to select a paint code for a vehicle. The system
may also have validation controls to validate the entry of data by
the user. The validation controls may validate the presence,
content, and/or format of the data. The validation controls may
contain field formatting characters such as parenthesis and dashes
in phone numbers which do not need to be entered by the user and
will be skipper over when the user enters data.
[0025] Referring to the drawings more particularly by reference
numbers, FIG. 1 shows a system 10 that can be used to generate a
repair cost estimate for an insurance claim of a damaged vehicle.
The system 10 includes at least one client computer 12 that is
connected to an electronic communication network 14. The electronic
communication network 14 may be a wide area network (WAN) such as
the Internet. Accordingly, communication may be transmitted through
the network 14 in TCP/IP format.
[0026] The system 10 may further include an estimate server 16
connected to the network 14. The estimate server 16 may provide a
web based portal that provides access to a repair cost estimate web
site. The web site may provide a plurality of web pages that can be
used by the user of the client computer 12 to generate a repair
cost estimate. By way of example, the user may be a claims adjuster
that utilizes the web pages to determine the estimate of a damaged
vehicle. Although one estimate server 16 is shown, it is to be
understood that the estimate server may include two or more
separate servers including a web server and an application server
that together perform the estimate functions.
[0027] FIG. 2 shows an embodiment of a computer 12 and the server
16. The computer 12 includes a processor 40 connected to one or
more memory devices 42. The memory device 42 may include both
volatile and non-volatile memory such as read only memory (ROM) or
random access memory (RAM). The processor 40 is capable of
operating software programs in accordance with instructions and
data stored within the memory device 42.
[0028] The processor 40 may be coupled to a communication port 44,
a mass storage device 46, a monitor 48 and a keyboard 50 through
bus 52. The processor 40 may also be coupled to a computer mouse, a
touch screen, a microphone, a speaker, an optical code reader (not
shown). The communication port 44 may include an ETHERNET interface
that allows data to be transmitted and received in TCP/IP format,
although it is to be understood that there may be other types of
communication ports. The system bus 52 may be a PCI or other
conventional computer bus. The mass storage device 46 may include
one or more disk drives such as magnetic or optical drives. The
mass storage device 46 may also contain software that is operated
by the processor 40.
[0029] Without limiting the scope of the invention the term
computer readable medium may include the memory device 42 and/or
the mass storage device 46. The computer readable medium may
contain software programs in binary form that can be read and
interpreted by the computer. In addition to the memory device 42
and/or mass storage device 46, computer readable medium may also
include a diskette, a compact disc, an integrated circuit, a
cartridge, or even a remote communication of the software program.
In general the server 16 may contain more memory, additional
communication ports and greater processing power than the computer
12.
[0030] The server 16 may contain a relational database(s) that
correlates data with individual data fields and a relational
database management system (RDBMS). The RDBMS of the server 16 may
include a reference to a website that can be accessed by the
computers 12. The website has a specific uniform resource locator
(URL) that can be used to access the site through the network 14.
The URL can be entered through a web-based application resident in
the client computer 12. By way of example, the web based
application may be a browser.
[0031] FIG. 3 shows a flowchart of a method for accessing the
repair cost estimate web site and generating an estimate for a
damaged vehicle. In step 100 the user enters a uniform resource
locator ("URL") into an address field of a web-based application
resident in the client computer. Entry of the URL provides a link
between the server 16 and the client computer 12. The user may have
to enter a name and password to access the web site in process
block 102.
[0032] In process block 104 the web site may generate a properties
configuration web page. The properties configuration web page
allows the user to set properties of the web pages. An example of a
configuration web page 200 is shown in FIG. 4. The properties
configuration web page may include a global setting section 202
that allows for global settings such as the language of the web
pages. The configuration page may allow for the setting of damage
page view settings in section 204 and work list columns in section
206. The work list section may allow the user to select certain
data fields such as owner name, claim number, etc. that will be
displayed by the estimate web pages. The selected properties are
displayed every time the web site is accessed by the user.
[0033] To facilitate access and interaction with the web site, the
client computer 12 may generate and launch client-side integrated
processing software commands such as through the web-based
application resident on the computer 12. The client-side integrated
processing software commands can be used to set the properties of
the web pages. By way of example, the integrated processing
software commands may be ActiveX controls. The client-side
integrated processing software can be downloaded from the server
16. The server 16 may contain one or more server-side software
processing modules that provide an interface to the server side
component object model ("COM") components. The COM components may
include application programs that calculate estimate data, provide
parts lists, etc. The COMs may be resident on the estimate server
16 or located in one or more other servers (not shown) that are
accessed through the network and instantiated into the server 16.
The server-side software processing modules may interface directly
with relational databases, non-relational databases, XML files, or
other servers.
[0034] FIG. 5 is a flowchart showing a background flow for
accessing and rendering repair cost estimate web pages. The user
may select a damage web page server link in block 300. In block 302
the server-side software processing module triggers a call to pass
a file written in extensible markup language ("XML") through a file
written in extensible stylesheet language ("XSL") to generate a web
page in hytertext markup language ("HTML") that is sent to the
client computer. The server may encode and compress data prior to
sending it to the client computer. As the web page is rendered, the
HTML instructs the web-based application to render the HTML
directly into the application or load and set certain properties of
the client-side integrated processing software in block 304. This
may include the properties selected by the user in the
configuration page. If the data sent to the client is encoded, the
web-based application may decode it in memory on the client
computer. If the data sent to the client was requested by the
client-side integrated processing software, the data may be
decompressed and decoded for purposes of processing the data and/or
rendering the data within the web-based application. For example,
the integrated processing software may perform repair cost
calculations or render graphical images of vehicles, or vehicle
parts and assemblies.
[0035] The client-side integrated processing software generates a
request in XML format to the server in block 306. The request can
be for estimate type data such as the list and cost of parts for a
vehicle, graphical information about vehicle sections, or decision
support information. The client-side integrated processing software
may send a URL to the server containing information about data that
needs to be rendered on the client or stored on the server. In
block 308 the server-side processing software translates the
request into calls to the COM components or other server-side
processing software which generate the requested information. The
server-side processing software transmits the requested information
back to the client computer in XML format in block 310. In block
312 the server-side processing software renders the data into
information presented onto the screen of the client computer. This
process can be repeated for different information and different web
pages of the system.
[0036] Referring again to FIG. 3, the web site may display a
vehicle identification number ("VIN") data field in processing
block 106. The user can enter the VIN of the vehicle in block 108.
The web page(s) of the estimator may be automatically populated
with data that corresponds to the VIN. This can be done with server
side processing software, ASP files, or through a relational
database. This may be done by having an ASP file call one or more
COM components that contain the corresponding data. By way of
example, the data may include standard or option features of an
automobile, such as type of engine, transmission, etc.
[0037] FIG. 6 shows an example of a web page 210 with a data field
212 that allows a user to enter a VIN. Entering the VIN
automatically populates certain fields of the web pages. The web
page may have a vehicle information section 214 with data fields
that are automatically populated by the entry of the VIN.
Alternatively, the user may enter or select data for the data
fields in section 214.
[0038] Referring again to FIG. 3, the user may enter and/or select
damage parts for the vehicle in block 110. FIG. 7 shows an example
of a web page 230 that allows the user to enter and/or select
damaged parts of a vehicle. The web page 230 may include a
graphical section 232 that can be selected by the user and a text
section 234 that lists a plurality of selectable parts for the
vehicle. The parts that are selected to be replaced or repaired can
be listed in section 236. An estimate web page can be displayed by
selecting the "Estimate Total" link 238 shown in FIG. 7, as
described in block 112 of FIG. 3. FIG. 8 shows a web page 240 that
displays a running cost total of the estimated damage of the
vehicle. The process may have a feature (not shown) that provides a
warning to the user that the cost total exceeds a "totaled" value
at which point the estimator discontinues the process and totals
the vehicle. After all of the parts to be repaired or damaged are
selected the adjuster may obtain a final estimate from the estimate
page 240.
[0039] The system may also have other functions and features. FIG.
9 shows a graphical user interface 250 that identifies the location
of a paint code locator 252 of a vehicle 254. Every vehicle
typically has a plate that contains a paint code of the vehicle. To
insure accurate entry of paint data, the adjustor typically reads
the paint code. The GUI 250 highlights the location(s) of the paint
code plates so that the user can readily find and read the paint
code.
[0040] FIG. 10 shows a graphical user interface 260 that allows a
user to select from a list of selectable paint codes 262. The list
can be generated in response to the entry of a certain vehicle
type, etc. in a vehicle description field 264. The list provides
different types of paint and corresponding paint codes for the
vehicle. Selecting a paint code from a list can eliminate data
entry errors associated with manually entering the codes.
[0041] The system may have one or more validation controls to
minimize data entry errors. The validation controls may be
implemented in the server 16 or the integrated processing software.
For example, the system may have character level validation
control, field level validation control and page level validation
control. For field character validation, the process can determine
whether an improper character or string of characters have been
entered by the user. For example, Canadian postal codes are in a
form that requires a sequence of adjacent letters and numbers, such
as A9A 9A9. For field valuation a data entry that does not follow
this sequence will generate an error message and will not be
processed by the system. For character validation the data entered
may be ignored and not displayed.
[0042] The data fields may contain a validation mask to validate
the entry of valid data. FIG. 11 shows a number of masks 270 for
different data fields. For example, a date field may have a mask
that will only allow numbers and backslashes // to be entered by
the user. Additionally, the mask may automatically place entered
data. By way of example, regarding a phone number mask, the user
may type in the numbers 1, 2, 3 and 4 and the field would display
(123) 4 . . . . The validation may also flag impossible dates such
as an entry for 22/44/5555. The dollar amount field may be masked
to only accept numbers and not letters. The page level validation
may generate an error report to identify missing or incorrect data
entered into the web page.
[0043] As shown in FIG. 12, the system may allow an adjuster to
estimate damage to a motorcycle. The system may generate a
graphical user interface 270 that includes a vehicle information
section 272. The information section 272 has a plurality of data
fields that allow the adjuster to enter or select identifying
information of the motorcycle. FIGS. 13 and 14 shows graphical user
interfaces 280 and 290 that can be used to estimate damage to a
snowmobile or a personal watercraft, respectively. Each GUI 280 and
290 may have a vehicle information section 282 and 292, that allow
an operator to enter or select vehicle information. The system thus
allows an adjuster to estimate damage to a motorcycle, a
snowmobile, or a personal watercraft through a web based estimating
system.
[0044] While certain exemplary embodiments have been described and
shown in the accompanying drawings, it is to be understood that
such embodiments are merely illustrative of and not restrictive on
the broad invention, and that this invention not be limited to the
specific constructions and arrangements shown and described, since
various other modifications may occur to those ordinarily skilled
in the art.
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