U.S. patent application number 13/778717 was filed with the patent office on 2013-11-28 for computer programs for real-time accident documentation and claim submission.
The applicant listed for this patent is State Farm Mutual Automobile Insurance Company. Invention is credited to Jennifer Chizmar, Kristina Renee Gish, Nathan Lee Tofte.
Application Number | 20130317863 13/778717 |
Document ID | / |
Family ID | 48703124 |
Filed Date | 2013-11-28 |
United States Patent
Application |
20130317863 |
Kind Code |
A1 |
Tofte; Nathan Lee ; et
al. |
November 28, 2013 |
COMPUTER PROGRAMS FOR REAL-TIME ACCIDENT DOCUMENTATION AND CLAIM
SUBMISSION
Abstract
A computer program product for processing an insurance claim
application, the computer program product having a
computer-readable storage device with computer-readable program
instructions stored therein for: initiating an insurance claim
application; receiving user data associated with the insurance
claim, the user data including an image; generating a model of a
scene of the insurance claim using the user data; generating a
model of an user's vehicle associated with the insurance claim
using the user data; analyzing the model of the user's vehicle to
identify a damaged portion of the user's vehicle and a claim
element; analyzing at least one of the user data, the model of the
scene, the model of the user's vehicle, the damaged portion of the
user's vehicle, and the claim element to determine whether the
insurance claim application satisfies a processing criteria. The
computer program can submit a completed insurance claim application
to an insurance provider, and/or process the insurance claim.
Inventors: |
Tofte; Nathan Lee; (Downs,
IL) ; Gish; Kristina Renee; (Bloomington, IL)
; Chizmar; Jennifer; (Bloomington, IL) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Company; State Farm Mutual Automobile Insurance |
|
|
US |
|
|
Family ID: |
48703124 |
Appl. No.: |
13/778717 |
Filed: |
February 27, 2013 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
|
13480225 |
May 24, 2012 |
|
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13778717 |
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Current U.S.
Class: |
705/4 |
Current CPC
Class: |
G06Q 40/08 20130101;
G06Q 10/06 20130101 |
Class at
Publication: |
705/4 |
International
Class: |
G06Q 40/08 20060101
G06Q040/08 |
Claims
1. A computer program product for processing an insurance claim
application, the computer program product comprising: a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: initiating an insurance
claim application; receiving user data associated with the
insurance claim, the user data including an image; generating a
model of a scene of the insurance claim using the user data;
generating a model of an user's vehicle associated with the
insurance claim using the user data; analyzing the model of the
user's vehicle to identify a damaged portion of the user's vehicle
and a claim element; analyzing at least one of the user data, the
model of the scene, the model of the user's vehicle, the damaged
portion of the user's vehicle, and the claim element to determine
whether the insurance claim application satisfies a processing
criteria.
2. The computer program product of claim 1, wherein the claim
element includes at least one of a force of impact on user's
vehicle, a force of impact on an occupant of the user's vehicle, an
identity of a damaged object component of the user's vehicle, and
an identity of a candidate damaged component of the user's
vehicle.
3. The computer program product of claim 2, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: determining a cost of
repair based on at least one of the identity of the damaged vehicle
component and the identity of the candidate damaged vehicle
component; and providing an initial claim assessment when the cost
of repair is less than a threshold repair cost.
4. The computer program product of claim 2, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: analyzing the force of
impact on the occupant to identify a potential injury to the
occupant; and analyzing the force of impact on the occupant to
validate a medical claim of the occupant.
5. The computer program product of claim 1, wherein the user data
further includes at least one of text data, voice data, and video
image data.
6. The computer program product of claim 1, wherein the model of a
scene of the insurance claim is in three dimensions, and wherein
the model of an user's vehicle associated with the insurance claim
is in three dimensions.
7. The computer program product of claim 1, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: retrieving vehicle
information associated with the user's vehicle from a database;
retrieving scene information from the database, the scene
information including a location of the insurance claim; wherein
generating a model of a scene of the insurance claim comprises
analyzing scene information; and wherein generating a model of an
user's vehicle associated with the insurance claim comprises
analyzing the vehicle information.
8. The computer program product of claim 1, wherein the user data
includes ancillary data to the insurance claim, the ancillary data
including at least one of accident location information, accident
time information, accident weather information, and emergency
services information.
9. The computer program product of claim 1, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: receiving data associated
with an other vehicle; generating a model of the other vehicle
using other vehicle data; and analyzing the other vehicle data to
identify a damaged portion of the other vehicle.
10. The computer program product of claim 1, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: receiving a user
indication of a damaged portion of the user's vehicle; and
receiving an insurance provider indication of a damaged portion of
the user's vehicle.
11. The computer program product of claim 1, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: requesting additional
user data when the insurance claim application does not satisfy the
processing criteria.
12. The computer program product of claim 1, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: submitting the insurance
claim to an insurance service provider when the insurance claim
satisfies the processing criteria.
13. A computer program product for processing an insurance claim
application, the computer program product comprising: a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: initiating an insurance
claim application; receiving user data associated with the
insurance claim, the user data including an image and at least one
of text data, voice data, and video image data; generating a model
of a scene of the insurance claim using the user data; generating a
model of an user's vehicle associated with the insurance claim
using the user data; analyzing the model of the user's vehicle to
identify a damaged portion of the user's vehicle and a claim
element, wherein the claim element includes at least one of a force
of impact on user's vehicle, a force of impact on an occupant of
the user's vehicle, an identity of a damaged object component of
the user's vehicle, and an identity of a candidate damaged
component of the user's vehicle; analyzing at least one of the user
data, the model of the scene, the model of the user's vehicle, the
damaged portion of the user's vehicle, and the claim element to
determine whether the insurance claim application satisfies a
processing criteria.
14. The computer program product of claim 13, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: determining a cost of
repair based on at least one of the identity of the damaged vehicle
component and the identity of the candidate damaged vehicle
component; and providing an initial claim assessment when the cost
of repair is less than a threshold repair cost.
15. The computer program product of claim 13, further comprising a
computer-readable storage device having computer-readable program
instructions stored therein, the computer readable program
instructions comprising instructions for: analyzing the force of
impact on the occupant to identify a potential injury to the
occupant; and analyzing the force of impact on the occupant to
validate a medical claim of the occupant.
Description
CROSS-REFERENCE TO RELATED APPLICATIONS
[0001] This application is a Divisional of U.S. patent application
Ser. No. 13/480,225 filed May 24, 2012. The contents of which is
incorporated herein by reference in its entirety.
TECHNICAL FIELD
[0002] The present disclosure relates generally to insurance claim
processing, and more particularly to an insurance processing system
generating a three dimensional model of the damaged object and
scene of the insurance claim.
BACKGROUND
[0003] Insurance claim processing can include redundancy and delay
while various parties (policyholder, insurer, repair facility,
etc.) collect claim information. When the policyholder submits
their claim, inevitably additional information is required by the
insurance provider to process the claim and the policyholder must
typically wait on approval from either, or both, of the insurer or
the repair facility before the claim can be processed and the
damage repaired. For example, while the vast majority of automobile
accident claims involve only minor damage, physical inspection(s)
and the presence of an insurer agent (e.g., claim estimator) are
generally required to assess the damage in detail.
[0004] Typical claim processing requires the policyholder initiate
the insurance claim and make an initial trip to a repair facility
for a preliminary damage assessment. Additional trip(s) to the
repair facility will likely be required to complete vehicle
repairs. Often, the policyholder must wait for their claim to be
processed while a claim estimator inspects the damage to the
vehicle and approves the repair.
[0005] One conventional approach to expediting insurance claim
submission is to provide a policyholder access to initiate/submit
their insurance claim via telephone. While telephone submission
does not require the policyholder physically submit their claim,
the policyholder is still required to submit information and/or
coordinate information exchange with the insurer and the repair
facility. Often, similar information is submitted in alternate
forms to satisfy insurer requirements. Because the policyholder is
required to be on the telephone with the insurer to document the
claim, the policyholder has reduced flexibility with respect to the
type and order of providing the claim information. Likewise,
telephone submission does not resolve the delay problems associated
with the repair facility assessment and claim estimator
inspection.
[0006] Some insurers provide for online/electronic initiation and
submission of insurance claims. Online claim submission does not
resolve the burden on the policyholder of having to submit
redundant information or coordinating information exchange between
the insurer and the repair facility. Also, with online claim
submissions there is an increase likelihood of fraudulent claims.
Because there is often some delay between the claim event (e.g.,
car accident) and the time the policyholder files the claim, the
insurer is unable to confirm that damage to the policyholder's
property is a result of the accident, as claimed, or whether the
damage occurred later and is unrelated to the accident. Similarly,
online claim submissions do not resolve the delay associated with
the repair facility assessment and claim estimator inspection.
[0007] Conventional methods for processing an insurance claim are
not efficient, convenient, and effective in collecting all
information necessary to accurately and quickly processing an
insurance claim. Therefore, a need in the art exists for systems
and methods that overcome one or more of the above-described
limitations.
SUMMARY
[0008] The present invention is directed to a method for processing
an insurance claim. An aspect of the present invention provides a
computer-implemented method for processing an insurance claim by
initiating the insurance claim; receiving user data associated with
the insurance claim, the user data including an image; generating a
model of a scene associated with the insurance claim using the user
data, the scene including a model of an object; analyzing the user
data to identify a damaged portion of the object; analyzing the
damaged portion to determine a claim element; and analyzing at
least one of the user data, the model of the scene, and the claim
element to determine whether the insurance claim satisfies a
processing criteria.
[0009] Another aspect of the present invention provides a computer
program product for processing an insurance claim. The computer
program product may comprise a computer-readable storage device
having computer-readable program instructions stored therein. The
computer-readable program instructions may include instructions for
processing an insurance claim by initiating an insurance claim
application; receiving user data (including an image) associated
with the insurance claim; generating a model of a scene of the
insurance claim using the user data, the scene including a model of
the user's vehicle; analyzing the user data to indicate a portion
of the model corresponding to damage on the user's vehicle;
analyzing the portion of the model to determine a claim element;
analyzing at least one of the user data, the model, and the claim
element to determine whether the insurance claim application
satisfies a processing criteria.
[0010] Another aspect of the present invention provides a mobile
computing device. The mobile computing device can include a
processor, a computer-readable media, a memory storage device, and
an insurance claim processing application. The insurance claim
processing application can be stored on the memory storage device
for execution via the computer-readable media. The insurance claim
processing application can be configured to: receive user data
associated with an insurance claim, the user data including an
image of an object; transmit the user data to a remote server;
receive a model of a scene of the insurance claim from the remote
server, the scene including a model of the object; display the
model; receive a user input indicating a portion of the model
corresponding to a damaged portion of the object; provide an
indication corresponding to the damaged portion of the object;
receive additional user data associated with the damaged portion of
the object; and transmit the indication and the additional user
data to the remote server.
[0011] Another aspect of the present invention provides an
insurance claim processing server. The insurance claim processing
server can include a processor, a computer-readable media, a memory
storage device for storing and providing access to data that is
related to an insurance claim, and an insurance claim processing
application. The insurance claim processing application can be
stored on the memory storage device for execution by the
computer-readable media. The insurance claim processing application
can be configured to: initiate the insurance claim; receive user
data associated with the insurance claim, the user data including
an image of an object; analyze the user data to generate a model of
a scene associated with the insurance claim, the scene including a
model of an object; analyze the model of the scene to identify a
damaged portion of the object; transmit the model of the scene to a
user device; analyze the damaged portion to determine a claim
element; analyze at least one of the user data, the model of the
scene, and the claim element to determine whether the insurance
claim satisfies a processing criteria; and process the insurance
claim when the processing criteria is satisfied.
BRIEF DESCRIPTION OF THE DRAWINGS
[0012] FIG. 1 is a block diagram depicting an operating environment
of an insurance claim processing system in accordance with certain
exemplary embodiments.
[0013] FIG. 2 is an illustration of an exemplary mobile computing
device having the system, according to certain exemplary
embodiments, installed and operating thereon.
[0014] FIG. 3A is an illustration of an exemplary mobile computing
device having the system, according to certain exemplary
embodiments, installed and operating thereon.
[0015] FIG. 3B is an illustration of an exemplary mobile computing
device having the system, according to certain exemplary
embodiments, installed and operating thereon.
[0016] FIG. 4A is an illustration of an exemplary mobile computing
device having the system, according to certain exemplary
embodiments, installed and operating thereon.
[0017] FIG. 4B is an illustration of an exemplary mobile computing
device having the system, according to certain exemplary
embodiments, installed and operating thereon.
[0018] FIG. 5 is a flow chart depicting a method for processing an
insurance claim in accordance with certain exemplary
embodiments.
[0019] FIG. 6 is a flow chart depicting a method for processing an
insurance claim in accordance with certain exemplary
embodiments.
[0020] FIG. 7 is a flow chart depicting a method for processing an
insurance claim in accordance with certain exemplary
embodiments.
DETAILED DESCRIPTION
[0021] The present disclosure provides an insurance claim
processing system and method that facilitates fast and convenient
claim processing using a mobile electronic device to collect the
information necessary for an insurance provider to process the
claim. For example, using a claim processing application resident
on a policyholder's mobile device, the policyholder is able to
collect the necessary information for processing their insurance
claim. The information collected by the policyholder can take the
form of text, video, and audio data. In addition to processing the
policyholder's claim, the disclosed claim processing system can be
used to provide a preliminary claim assessment and schedule
necessary repairs. The disclosed system improves communication
throughout the insurance claim process and reduces claim processing
time for both the policyholder and the insurance provider. The
disclosed system permits the insurer to begin processing a
policyholder's claim immediately. It also permits an associated
repair facility to prepare to receive the damaged object, rather
than wait for the policyholder to provide additional details and/or
a complete insurance claim.
[0022] The overall system architecture as well as the use of a
mobile computing device in conjunction with an insurer server are
described. It is contemplated that the described system may be used
to process insurance claims on various objects. As used throughout
the specification, "objects" should be interpreted to include any
tangible object insured by a user/policyholder. In an exemplary
embodiment, such "objects" can include any type of vehicle, such
as, automobiles, boats, recreational vehicles, motorcycles, and
bicycles, as well as other forms of personal property including the
user's home, jewelry, firearms, etc. The exemplary embodiments
analyze information provided regarding the object, generate a model
of the object, and identify damaged portions of the object. Using
the information regarding the damaged object, disclosed the
insurance claim processing system may be used to determine various
elements of the insurance claim (e.g., identify damaged components,
estimate repair costs, identify potential occupant injury, etc.)
and provide an initial claim assessment, submit a completed
insurance claim application to an insurance provider, and/or
process the insurance claim. Exemplary embodiments may query the
user when the information necessary for processing the insurance
claim is insufficient or when further information is required to
estimate the damage to the object. As a result, through this
iterative process of requesting information, the user is able to
provide more complete claim data and their claim may be processed
more efficiently.
[0023] FIG. 1 illustrates the main components of operating
environment 100 for an insurance claim processing system in
accordance with certain exemplary embodiments. The insurance claim
processing system can be embodied as a stand alone application
program or as a companion program to a web browser having messaging
and storage capabilities. While certain embodiments are described
in which parts of the claim processing system are implemented in
software, it will be appreciated that one or more acts or functions
of the claim processing system may be performed by hardware,
software, or a combination thereof, as may be embodied in one or
more computing systems.
[0024] The exemplary operating environment 100 includes a user
device 110 associated with a user 105, and insurer server 115, and
a network 120. The user device 110 may be a personal computer or a
mobile device, (for example, notebook computer, tablet computer,
netbook computer, personal digital assistant (PDA), video game
device, GPS locator device, cellular telephone, smartphone, camera,
or other mobile device), or other appropriate technology. The user
device 110 may include or be coupled to a web browser, such as
MICROSOFT'S INTERNET EXPLORER.RTM. for accessing the network 120.
The network 120 includes a wired or wireless telecommunication
system or device by which network devices (including user device
110 and insurer server 115) can exchange data. For example, the
network 120 can include a telecommunications network, a local area
network (LAN), a wide area network (WAN), an intranet, an Internet,
or any combination thereof. It will be appreciated that the network
connections disclosed are exemplary and other means of establishing
a communications link between the user device 110 and the insurer
server 115 can be used.
[0025] The user device 110 includes a claim processing application
125 including various routines, sub-routines, programs, objects,
components, data structures, etc., which perform particular tasks
or implement particular abstract data types. The exemplary claim
processing application 125 can facilitate collection of data from
the user 105 necessary for processing an insurance claim. An
insurance claim can be initiated at the user device 110 using the
claim processing application 125. The exemplary claim processing
application 125, using via the network 120, can send and receive
data between the user device 110 and the insurer server 115. The
exemplary claim processing application 125 can also interact with a
web browser application resident on the user device 110 or can be
embodied as a companion application of a web browser application.
In a web browser companion application embodiment, the user
interface of the claim processing application 125 can be provided
via the web browser.
[0026] The claim processing application 125 can provide a user
interface via the user device 110 for collecting and displaying
data relevant to the insurance claim. Using the user device 110 and
the claim processing application 125, the user 105 can input,
capture, view, download, upload, edit, and otherwise access and
manipulate user data regarding an insurance claim. Throughout the
discussion of exemplary embodiments, it should be understood that
the terms "data" and "information" are used interchangeably herein
to refer to text, images, audio, video, or any other form of
information that can exist in a computer-based environment. The
user 105 can enter commands and information to the claim processing
application 125 through input devices, such as a touch screen,
keyboard, pointing device, and camera. The pointing device can
include a mouse, a trackball, a stylus/electronic pen that can be
used in conjunction with user device 110. Input devices can also
include any other input device, such as a microphone, joystick,
game pad, or the like. The camera can include a still camera or a
video camera, a stereoscopic camera, a two-dimensional or
three-dimensional camera, or any other form of camera device for
capturing images of the object/scene of interest. In an exemplary
embodiment, the camera is an integral component of the user device
110. In an alternate embodiment, the input device is coupled to the
user device 110. In an exemplary embodiment, the user device 110
can include GPS or similar capabilities to provide user device 110
location information.
[0027] The user device 110 can include an integral display. The
display can provide images and information associated with the
claim processing application 125 to the user 105. In an exemplary
embodiment, the user 105 can view and manipulate the images
illustrated on the display. For example, the user 105 can pan,
zoom, rotate, and highlight the image and/or portions of the image.
In an alternate embodiment, the user device 110 can include a
monitor connected to the user device 110. In addition to the
display, the user device 110 can include other peripheral output
devices, such as speakers and a printer.
[0028] As illustrated in the exemplary user device depicted in FIG.
2, a mobile phone 200 can include a touch screen display 205 that
provides the user 105 access to various functions of the claim
processing application 125 resident on the mobile phone 200. For
example, the touch screen display 205 can include a text icon 210,
a image icon 215, a audio icon 220, a mode icon 225, and a trash
icon 230. Additional or fewer icons and related functions
considered relevant in the art can be included. Using the
appropriate icons, the user 105 can interact with the claim
processing application 125 to provide text, image, and/or voice
data to the insurer server 115 regarding the insurance claim.
[0029] The exemplary claim processing application 125 enables
storage of user data associated with the insurance claim at a data
storage unit 130 accessible by the claim processing application
125. The exemplary data storage unit 130 can include one or more
tangible computer-readable storage devices resident on the user
device 110 or logically coupled to the user device 110. For
example, the data storage unit 130 can include on-board flash
memory and/or one or more removable memory cards or removable flash
memory.
[0030] The exemplary operating environment 100 also includes a
insurer server 115. The insurer server can be operated by the
insurance provider and can provide insurer-side claim processing
and data storage. The insurer server 115 can include one or more
computer systems. An exemplary computer system can include a claim
processing server 135, a data storage unit 140, and a system bus
that couples system components, including the data storage unit
140, to the claim processing server 135.
[0031] While the user 105 can interact with the claim processing
application 125 via the user device 110 to add, modify, or remove
user data, the user 105 can similarly interact with the insurer
server 115. The claim processing server 135 also provides the
insurance provider with the ability to add, modify, or remove data
associated with the insurance claim. The claim processing server
135 also enables the insurance provider with the ability to
communicate/query the user 105 via the claim processing application
125. In return, the claim processing application 125 allows the
user 105 to input and respond to insurer queries provided via the
insurer server 115.
[0032] The claim processing server 135 is capable of providing an
initial claim assessment, submitting a completed insurance claim
application to an insurance provider, and/or processing user data
and completing an insurance claim. In an exemplary embodiment, the
insurer server 115 and the claim processing server 135 can include
various routines, sub-routines, programs, objects, components, data
structures, etc., which perform particular tasks or implement
particular abstract data types. The exemplary claim processing
server 135 can facilitate the collection and processing of data
from the user 105 necessary for completing an insurance claim. The
claim processing server 135 can send and receive data between the
user 105 and the insurer server 115 via the network 120 or a web
browser. As provided above, user data can take the form of text,
audio, and images. The insurer server 115 can provide an interface
with the insurance provider and their affiliates, including, for
example, a claim agent, a repair facility, and any other person
required to access the user data and insurer created data regarding
the insurance claim. The exemplary claim processing server 135 may
query the user 105 to provide additional and/or supplemental
information regarding the insurance claim. The request for
additional information can be provided in response to an insurer
query and/or a repair facility query. The exemplary claim
processing server 135 can also request additional/supplemental
information in response to identification deficiencies in the
quantity or quality of data received, as determined by the claim
processing server 135. For example, the claim processing server 135
can determine when there is sufficient information with respect to
the insurance claim to process and finalize the claim.
[0033] The exemplary claim processing server 135 can generate a
two-dimensional (2D) and/or three-dimensional (3D) model of the
object associated with the insurance claim. In an exemplary
embodiment, user data, such a photos or video images of the object,
is used by the claim processing server 135 can create a dynamic 3D
model and/or rendering of the object. To create the model, the
claim processing server 135 can utilize various methods of imaging
processing including, for example, edge detection, 3D scanning,
stereoscopic imaging, or any other 3D modeling method known in the
art. For example, the claim processing server 135 can create a 3D
model/rendering of the object by combing or overlaying multiple
still images and/or video images of the object taken from different
positions. In the example of a car accident, the claim processing
server 135 can generate a dynamic 3D model of the car using still
or video images captured by the user 105. It is also contemplated
that the claim processing server 135 can generate 3D models of
another party's car, or any other object that is relevant to the
insurance claim. In an exemplary embodiment, the claim processing
server 135 may use stored data regarding the object to generate the
3D model. Stored data regarding the object can include, for
example, reference 2D/3D model information for the same or similar
object. In an exemplary embodiment where the user device 110 does
not include a functioning camera or is otherwise incapable of
capturing images of the object, the claim processing server 115
will recognize that no image data is available from the user 105
and provide a model of the object based on stored image data of the
same or similar objects. In an embodiment involving a car accident,
if there is no image data available the claim processing server 135
may use stored image data of a car having the same make/model as
the user's 105 car to generate the model for display and use by the
user 105. In an alternate embodiment, the claim processing server
135 may use stored data regarding the object to supplement the
image data provided by the user 105. For example, if the user 105
provides incomplete or poor quality image data, the claim
processing server 135 may supplement and/or replace the
user-provided image data with stored image data of the same or
similar object. In the embodiment involving a car accident, if the
user image data is incomplete/inadequate, the claim processing
server 135 may use stored image data of the same make/model of the
user's car to supplement the user-captured images and generate the
model.
[0034] An exemplary claim processing server 135 can generate a 2D
and/or 3D model of the scene associated with the insurance claim.
For example, using user data, such as photos or video images of the
scene, the claim processing server 135 can create a dynamic 3D
model and/or rendering of the scene and display the model to the
user 105 via the user device 110. To create the scene model, the
claim processing server 135 uses similar methods of image
processing as those used to model the object. For example, in the
case of a car accident, the claim processing server 135 can
generate a dynamic 3D model of the scene of the accident using
still or video images captured by the user 105. In an exemplary
embodiment, the claim processing server 135 may use stored data
regarding the scene to generate the model. Stored data regarding
the scene can include, for example, a 2D/3D map of the scene,
topographical information, municipality information (location of
pedestrian cross-walks, posted speed limits, traffic signals,
etc.), and any other information relevant to generating the model.
In an alternate embodiment, the claim processing server 135 can use
the stored scene data to supplement and/or replace the
user-provided image data. For example, if the user 105 provides
incomplete or poor quality image data, the claim processing server
135 may supplement and/or replace the user-provided image data with
stored image data of the scene.
[0035] In an exemplary embodiment, the quality of the model can be
related to the quality of images obtained by the user 105.
Accordingly, the claim processing application 125 and/or the claim
processing server 135 may include a pacing feature. The pacing
feature can indicate to the user 105 the rate at which images
should be captured. For example, when the user 105 is providing
video image data, if the user pans/moves the camera too quickly
across the field of view a blurred image may result. Accordingly,
the claim processing application 125 and/or the claim processing
server 135 may provide to the user 105, via the user device 110
interface, a pacing feature to indicate to the user 105 the rate at
which the camera should be moved. An exemplary pacing feature can
be in the form of a dynamic image on the display of user device
110. In an exemplary embodiment, the pacing feature may include an
audio or text message to the user 105.
[0036] In an exemplary embodiment, the claim processing server 135
can interact with the user 105 to identify (i.e., tag) portions of
the object model and scene model. The user 105 can interact with
the model and tag portions of the model using the user interface
provided on the user device 110. Once a portion of the model has
been tagged, the user 105 can enter text, image, and/or audio data
associated with that tag. For example, the user 105 can tag a
portion of the model corresponding to the front windshield of the
user's 105 car. Once the front windshield has been tagged, the user
105 can select between entering text, image, and/or audio data
regarding the front windshield. For example, the user 105 could
enter text and/or audio data indicating the front windshield is now
cracked (e.g., "I have a crack across the front of my windshield").
Alternatively, user 105 can provide image data regarding the state
of the windshield, e.g., the user 105 can take an image of their
front windshield. It is contemplated that the user 105 can include
multiple forms of data associated with each tag. The data entered
by the user 105 is linked to the tag, uploaded to the claim
processing server 135, and used by the claim processing server 135
in processing the claim. In an alternate embodiment, the insurance
provider and/or repair facility can interact with the model using
tags. For example, the insurance provider can tag portions of the
model that require additional information and request that the user
105 provide the information in response. Similarly, the repair
facility can access the insurance claim application 125 using a web
browser and tag portions of the model. The repair facility can
provide data (text, image, audio) associated with the tag. For
example, the repair facility may identify damaged portions of the
object, suggest possible hidden damage, provide price estimates for
repairing damage, etc.
[0037] An exemplary claim processing server 135 can extract
features from the image data so that damaged portions of the object
can be identified. Analyzing the extracted features, the claim
processing server 135 can determine associations between the
features and the object in the image. The features may include, for
example, color, texture (spatial frequency), brightness, contrast,
edge detection, corner detection, text, coordinates relative to the
coordinate system of the image, coordinates relative to a
coordinates other than that of the image (e.g., global positioning
coordinates), depth/surface mapping, metadata embedded into the
image file, or any other feature relevant to modeling the imaged
object. For example, in the case of an automobile accident, using
extracted features such as color, texture data, and coordinate
data, the claim processing server 135 can identify portions where
the color, texture pattern, and/or coordinates are irregular or not
in alignment with reference vehicle data, thereby identifying
portions of the vehicle with potential damage. For example, using
the extracted features the exemplary claim processing server 135
can identify, for example, damage to the driver-side front fender
of the user's 105 car.
[0038] An exemplary claim processing server 135 can utilize the
extracted feature data regarding damaged portions of the object to
determine the identity of the damaged object components. For
example, using the damage information, the claim processing server
135 can identify what components of the user's 105 vehicle may be
damage. These components can be identified by name, part number,
serial number, etc. These components can be highlighted or listed
on the user device 110. Using this information, the claim
processing server 135 can expedite processing the insurance claim
and repair. For example, if damaged component identification
information is provided to the repair facility in advance of the
user 105 bring their vehicle in for report, the repair facility can
ensure that the necessary parts are in stock and available. In an
exemplary embodiment, the claim processing server 135 can use the
extracted feature data identifying the damaged components of the
object to calculate repair/replacement costs of the damaged
components. For example, once the damaged components have been
identified, the data storage unit and/or any database available via
network 120 can be searched to identify replacement cost for the
component as well as the anticipated repair facility charges with
respect to the location of the claim.
[0039] In an exemplary embodiment, the claim processing server 135
can utilize the extracted feature data and the related damage
information to identify and/or estimate hidden damage to the
object. Using the damage information, the claim processing server
135 can identify components related to, or proximate, the damaged
components as also containing potential damage. For example, if the
damage information identifies that the front driver side fender of
the user's 105 car is damaged, the claim processing server 135 can
identify related components that may also be potentially damaged,
including, for example, the headlamp, wheel, or front axel of the
vehicle. Having identified potentially damaged components, the
claim processing server 135 can determine if additional information
is necessary from the user 105 regarding the potentially damaged
components. For example, the claim processing server 135 may query
the user 105 to provide images of the potentially damaged
components, the user 105 may be asked to supply text or audio
providing functional information with respect to the potentially
damaged components, or the user 105 may be queried to provide any
other information relevant to determining whether the potentially
damaged component are indeed damaged and repair/replacement
necessary. The claim processing server 135 may also query a repair
facility to assist in identifying and confirming damage of,
potentially damaged components based on the damage information and
supplemental data provided by the user 105.
[0040] An exemplary claim processing server 135 can utilize the
extracted feature data and the related damage information to
determine the force of impact on the object. For example, using
extracted features such as contrast, edge detection, corner
detection, object component coordinates, and depth/surface mapping,
the claim processing server 135 is able to determine the force
necessary to cause the visible damage to the object. In an
exemplary embodiment, the force of impact can be determined by
comparing the dimensions (e.g., length, width, height) of the model
generated by the claim processing server 135 with dimension
information included in the stored data corresponding to the same
(or similar) object. For example, knowing the make and model of the
user's 105 vehicle, dimension information regarding the vehicle can
be identified. This dimension information can be compared to the
corresponding dimensions determined from the generated model.
Locations where the dimensions of the user's 105 vehicle vary from
the stored dimension information can be used to identify damage to
the vehicle. By comparing the stored dimension information with the
dimensions determined from the generated model, the displacement
and/or deformation of the object can be determined. Using this
displacement and/or deformation information, the magnitude and the
direction of the force applied to the object can be calculated. In
another exemplary embodiment, the force of impact can be determined
using volume comparison. In general, because the generated model is
damaged it will have less volume than the stored model. By
comparing the volume of the model generated by the claim processing
server 135 with the volume of the same (or similar) object, a
difference in volume can be calculated. The volume difference can
be used to determine the magnitude and the direction of the force
applied to the object. In an alternative embodiment, the volume
difference can be used to determine the displacement and/or
deformation of the object. The displacement and/or deformation
information can then be used to determine the direction and force
of impact.
[0041] In another exemplary embodiment, the force of impact can be
determined using finite element analysis. In the exemplary
embodiment, the stored data regarding the object may include a
model of the vehicle's structure. This model can include
information regarding the material properties of the object and its
various components as well as information on the
structure/construction of the object. Using finite element
analysis, the stored data can be compared with the model generated
by the claim processing server 135. In an exemplary embodiment, the
generated model is divided into a series of elements, the elements
can include particular vehicle components, discrete portions of the
model related to or independent of vehicle components, or any other
form of segmenting the generated model useful in finite element
analysis. The displacement of each element is determined. Using the
displacement data and the stored data regarding material properties
and vehicle structure, the value of the forces/stresses and strains
applied to the object can be determined at each element. Using the
stress, strain and displacement information, the magnitude and
direction of the force of impact can be determined. The force of
impact can be measured in newtons (N) or other quantitative measure
such as estimated speed/acceleration at impact. Alternatively,
force of impact can be measured in terms of quality (e.g., minor,
moderate, severe). In an exemplary embodiment, the claim processing
server 135 compares the extracted feature data to stored feature
data. This comparison provides an indication of the force of impact
on the object. By comparing the extracted feature data to the
stored feature data, the claim processing server 135 can calculate
coordinate changes of identified points, edges, corners, or
surfaces of the object. These coordinate changes may be the result
of compression/deformation of the object upon impact, e.g., crumple
zones. Similarly, extracted feature data such as coordinate
changes, contrast, and depth/surface mapping can be used to
determine the surface and/or body deformation of the object.
[0042] In an exemplary embodiment, by calculating the force of
impact on the object, the claim processing server 135 can determine
the force of impact on the occupant(s) of the vehicle. Using the
impact on the occupant(s), the claim processing server 135 can
identify possible occupant injury. For example, if the claim
processing server 135 determines that the force of impact is
categorized as "minor," then the corresponding occupant injury may
also be identified as "minor." In an exemplary embodiment, using
force of impact on the occupant(s) and the location of impact
(i.e., the identity of damaged components), the claim processing
server 135 can estimate occupant injury. For example, if the claim
processing server 135 determines that the force of impact was
minor, the occupant injury was minor, and the damaged vehicle
components include the front driver-side fender and driver-side
door, the claim processing server 135 may identify whiplash and
minor bruising as possible occupant injuries. In an exemplary
embodiment, the claim processing server 135 can use the estimated
occupant injury to validate future medical claims by the
occupant(s). It is also contemplated that the claim processing
server 135 can calculate the force of impact on the other party's
object (car), as well as any corresponding impact on vehicle
occupants and estimated occupant injury.
[0043] The exemplary claim processing server 135 can also identify
and request data ancillary to the insurance claim. For example, the
claim processing server 135 can request time information from the
user device 110 to determine an estimate of the local time of the
insurance claim event and/or initiation of the insurance claim. In
an exemplary embodiment, using GPS capabilities of the user device
110, the claim processing server 135 can request GPS location
information to identify the location of the user device and
likewise determine the location of the insurance claim event. In an
exemplary embodiment, with respect to generating a model of the
scene, once the location of the insurance claim event is
identified, e.g., using GPS coordinates, the claim processing
server 135 can identify (2D and 3D) map data associated with these
coordinates. The map data may be stored on the data storage unit
130 and 140 or it may be available via the network 120. Using this
location information and map data, the exemplary claim processing
server 135 can generate a map and/or model of the scene of the
insurance claim and display this model to the user 105, as
illustrated in FIGS. 4A and 4B. The claim processing server 135 can
also use the location information to supplement the model of the
scene generated using the user image data. In an exemplary
embodiment, using the location and time information, the exemplary
claim processing server 135 can identify weather information
corresponding to the location and time of the insurance claim
event. In an exemplary embodiment, the claim processing server 135
can also use the location information, time information, and/or
call history information of the user device 110 to determine if
emergency services have been requested proximate the time and/or
location of the insurance claim event.
[0044] The exemplary insurer server 115 enables storage of user
data associated with the insurance claim. The insurer server 115
includes a data storage unit 140 accessible by the claim processing
server 135. The exemplary data storage unit 140 can include one or
more tangible computer-readable storage devices. The insurer server
115 can also includes a hard disk drive for reading from and
writing to a hard disk (not shown), a magnetic disk drive for
reading from or writing to a removable magnetic disk such as a
floppy disk, and an optical disk drive for reading from or writing
to a removable optical disk such as a CD-ROM, compact
disk-read/write (CD/RW), DVD, or other optical media. Although an
exemplary computer system can employs a ROM, a RAM, a hard disk
drive, a removable magnetic disk, and a removable optical disk,
other types of computer-readable media can also be used in the
exemplary insurer server 115. The drives and their associated
computer-readable media can provide nonvolatile storage of
computer-executable instructions, data structures, program modules,
and other data for the insurer server 115. A number of modules can
be stored on the ROM, RAM, hard disk drive, magnetic disk, or
optical disk, including operating instructions for the claim
processing server 135.
[0045] It is contemplated that the user device 110 may also include
one or more similar computer system components described with
respect to the insurer server 115. Those having ordinary skill in
the art having the benefit of the present disclosure will
appreciate that the insurer server 115 and the user device 110 can
have any of several other suitable computer system
configurations.
[0046] In addition or in the alternative, data may be synchronized
with a remote storage location, such as a cloud computing
environment (not shown). In such an embodiment, the user 105 can
access the information stored at the remote location using the user
device 110 or another device, such as a desktop computer connected
via the network 120. The insurer server 115 can access the could
computing environment via the network 120. The cloud computing
environment can include an insurance claim account for each
policyholder, including the user 105. The insurance claim account
can store user data uploaded by the user 105, information obtained
and/or created by the claim processing application 125 and the
claim processing server 135, such as, for example, the object
model. The cloud computing environment can synchronize this
information with the claim processing application 125 and the claim
processing server 135 periodically, on command, or in response to
an update in information at the claim processing application 125 or
the claim processing server 135. The components of the exemplary
operating environment 100 have been described with reference to the
exemplary systems illustrated in FIGS. 1-4, the exemplary
embodiments can include one or more computer programs that embody
the functions described herein and illustrated in the appended flow
charts. However, it should be apparent that there could be many
different ways of implementing aspects of the exemplary embodiments
in computer programming, and these aspects should not be construed
as limited to one set of computer instructions. Further, a skilled
programmer would be able to write such computer programs to
implement exemplary embodiments based on the flow charts and
associated description in the application text. Therefore,
disclosure of a particular set of program code instructions is not
considered necessary for an adequate understanding of how to make
and use the exemplary embodiments. Further, those skilled in the
art will appreciate that one or more acts described may be
performed by hardware, software, or a combination thereof, as may
be embodied in one or more computing systems.
[0047] FIG. 5 is a flow chart depicting a method 500 for processing
an insurance claim using the claim processing application 125 and
claim processing server 135, in accordance with certain exemplary
embodiments. A user 105 can initiate the insurance claim. (Step
510). In an exemplary embodiment, the user 105 can initiate the
insurance claim at the user device 110 by activating the claim
processing application 125. In an alternate embodiment, the
insurance provider can push a message to the claim processing
application 125 to initiate a claim at the user device 110.
[0048] The user 105 can provide data associated with the insurance
claim. (Step 520). In an exemplary embodiment, the user 105
provides data to the claim processing server 135 using the claim
processing application 125. The user data can be in the form of
text, audio, or image data. In an exemplary embodiment, text can be
captured by a keypad integral or otherwise coupled to the user
device 110. In an exemplary embodiment, audio data can be captured
by a microphone integral or otherwise coupled to the user device
110. In an exemplary embodiment, image data can be captured by a
camera integral or otherwise coupled to the user device 110. In an
exemplary embodiment, user 105 can upload user data to the claim
processing server 135 using the claim processing application 125.
The user data can be stored locally on the data storage unit 130
integral to the user device 110, on the data storage unit 140
accessible by the claim processing server 135, and/or in a cloud
computing environment.
[0049] A model of the scene of the insurance claim event is
generated using the user data. (Step 530). In an exemplary
embodiment, the claim processing server 135 and/or the claim
processing application 125 can generate dynamic 2D and/or 3D
model(s) of the scene using the user data. For example, in the case
of an automobile accident, the model of the scene would include a
rendering of the scene of the accident, e.g., cars involved,
intersection, etc. The model of the scene also includes a model of
the object of the insurance claim, e.g., the user's 105 vehicle.
For example, when the insurance claim involves an automobile
accident, the scene includes a rendering of the scene of the
accident and the user's 105 vehicle.
[0050] The claim processing server 135 can include instructions for
combining the user image data to generate the model. In an
embodiment including a video camera, frames of the captured video
image can be sampled to identify frames of the video including
images of the object/scene. The sampled frames can be combined to
create the 3D rendering of the object/scene. In an exemplary
embodiment, the claim processing server 135, can use stored data
regarding the scene/object to generate object/model scene. For
example, In an exemplary embodiment, the data storage unit 140 can
store reference model data, including reference models, regarding
the make/model of vehicles insured by the insurance provider. Using
the stored vehicle data, the claim processing server 135 can
supplement incomplete or poor quality image data received from the
user 105 and use the reference model data when generating the model
of the user's car. In an exemplary embodiment, the user device 110
may not provide image data sufficient to produce the model of the
vehicle. The claim processing server 135 can utilize the stored
reference model data as a standard model for the user device
110.
[0051] User data is analyzed to identify a damaged portion of the
object. (Step 540). In an exemplary embodiment, the claim
processing server 135 can analyze the user data and the generated
models to identify damaged portions of the object. Damaged portions
can be identified using feature extraction methods as described
herein and as known in the art. The extracted features may include,
for example, color, texture, brightness, contrast, edge detection,
corner detection, text, coordinates relative to the coordinate
system of the image, coordinates relative to a coordinates other
than that of the image (e.g., global positioning coordinates),
depth/surface mapping, and metadata embedded into the image file,
or any other feature relevant to identifying content illustrated in
the image. In an exemplary embodiment, by comparing the differences
between the extracted features and reference feature data for the
same or similar object, the claim processing server 135 identifies
areas of inconsistency as those areas indicating damage to the
object. Likewise, areas having irregular extracted feature data can
also be identified as areas indicating damage to the object. In an
exemplary embodiment, damaged portions of the object can be
highlighted or otherwise tagged automatically in the model. By
highlighting these portions of the model the user 105, insurance
provider, and/or repair facility can easily focus attention and
resources to the relevant portions of the object.
[0052] The damaged portion(s) of the object are analyzed to
identify a claim element. (Step 550). Claim elements can include,
for example, the identity of damaged components, the identity of
potentially damaged components (i.e., hidden damage), the force of
impact on the object, the force of impact on the occupants, and
possible occupant injury. In an exemplary embodiment, the claim
processing server 135 can utilize the image data and/or the
extracted feature data to determine the identity of damaged and
non-damaged components. The data storage unit 140 can store image
and feature data regarding the make/model of vehicles insured by
the insurance provider. By comparing the image data and/or
extracted feature data of the object to stored data, the claim
processing server 135 can identify objects having the same or
similar image/feature data. Likewise, in an exemplary embodiment,
the claim processing server 135 can use the imaged data and/or
extracted feature data to identify possible hidden damage to the
object. Using information regarding the identity of damaged
components, the claim processing server 135 can search stored data
for those components identified as related to or otherwise
proximate in physical location to the damaged component. The
vehicle information stored at the data storage unit 140 can also
include make/model-specific component lists, component price lists,
component order information, standard repair time tables and local
repair pricing information, and any other data relevant to the
identification, repair, and/or replacement of a vehicle component.
Once the identity of the damaged components, including the identity
of potentially hidden damaged components, the vehicle information
can be used to determine the repair and replacement costs of the
damaged components.
[0053] In an exemplary embodiment, claim processing server 135 can
analyze the image data and the extracted feature data to determine
the force of impact on the object. The force of impact can be
determined quantitatively (e.g., newtons of force) and/or
qualitatively (e.g., minor, moderate, severe). In an exemplary
embodiment, the force of impact on the object can be used to
correlate the force of impact on the occupant of the object and
identify any potential occupant injuries. In determining the force
of impact and occupant impact, the claim processing server 135 can
take into account any safety equipment included in/on the object.
For example, vehicle information stored in the data storage unit
140 can include information regarding whether the vehicle includes
safety belts and/or harnesses, child seat, booster seat, the
location and type of air bags, crumple zones, anti-lock breaks,
occupant helmets etc. Using this information, the claim processing
server 135 can provide an indication as to the severity of
potential occupant injury if various safety equipment was utilized
by the occupants. For example, the force on the occupants may be
rated at "severe," however, the claim processing server 135 can
determine that if the occupants were wearing seatbelts and the
airbags were deployed, the rating of the force on the occupants may
be listed as "moderate." The claim processing server 135 can permit
the user 105 to indicate what safety features were used and the
impact rating will be adjusted according. In an exemplary
embodiment, using the force of impact on the occupant information
and the information regarding the damage to the vehicle (e.g.,
force and location), the claim processing server 135 can identify
possible occupant injury. The information regarding possible
occupant injury can be used by the claim processing server 135 to
validate medical claims submitted in association with the insurance
claim. Medical claims submitted that do correlate with the
identified potential occupant injury may be initially declined
until further information is provided by the user 105.
[0054] Whether the insurance claim satisfies processing criteria
can be determined based on the user data, the model, and/or a claim
element. (Step 560). The processing criteria can identify the
minimum amount of data and/or certain data points that are required
for the claim to the processed. The processing criteria can be set
by the insurance provider or the repair facility. In an exemplary
embodiment, the claim processing server 135 can analyze the user
data, the model, and/or a claim element to determine if sufficient
data has been received to satisfy the processing criteria. For
example, with respect to user data, the processing criteria may
require, at a minimum, the following information: identity of the
object, location and time of the claim, identity of any other
parties associated with the claim, medical status of the user 105
and all other parties, and a police report number. In an exemplary
embodiment, the processing criteria may require the claim
processing server 135 to analyze the object or scene model to
determine if sufficient model data has been collected. For example,
the claim processing server 135 can require the user indicate on
the model at least one damaged portion of the object. In an
exemplary embodiment, the processing criteria may require the claim
processing server 135 to determine at least one claim element. For
example, the claim processing server 135 can require at least one
damaged component be identified before processing and finalizing
the insurance claim.
[0055] If the processing criteria is not satisfied, additional user
data can be required. (Step 570). In an exemplary embodiment,
having determined that the claim processing criteria has not been
satisfied, the claim processing server 135 may query the user 105
to provide additional user data regarding the claim. For example,
the claim processing server 135 may require the user provide
additional information to replace or supplement that already
provided. This supplemental user data can include text, audio, or
image data. Using the supplemental user data, the claim processing
server 135 can generate a new model of the scene/object. Using the
new model, the claim processing server 135 can generate new claim
elements. For example, the claim processing server 135 may require
the user 105 to provide additional image data with respect to the
object (e.g., a vehicle). Once the user provides the additional
image data, a new model of the user's 105 vehicle can be generated.
Using this new model and the supplemental image data, the claim
processing server 135 can determine new claim elements. For
example, using the supplemental image data and new model, the claim
processing server 135 can identify additional/alternate damaged
component as well as potentially damaged components. Using the
supplemental image data and new model, the claim processing server
135 can recalculate the force of impact on the object, the force of
impact on the occupants, and determine additional/alternate
possible occupant injuries.
[0056] FIG. 6 is a flow chart depicting a method 600 for processing
an insurance claim using an insurance claim processing application
125 resident on a mobile computing device. As method 600 is
explained, reference will be made to FIGS. 2 through 4B and 6
concurrently. FIGS. 2 through 4B and 6 illustrate a mobile
computing device operating in accordance with method 600.
[0057] Processing an insurance claim using an insurance claim
processing application 125 resident on a mobile computing device
requires a user 105 to initiate the insurance claim. (Step 610).
The insurance claim can be initiated by the user 105 at the user
device 110 through the claim processing application 125. As
depicted in FIG. 2, an exemplary user device can include a mobile
phone 200. In the exemplary embodiment, the claim processing
application 125 is installed as a software application on the
mobile phone 200. Using the display/interface provided on the user
device 110, e.g., touch screen 205, the user 105 can activate the
claim processing application 125 by selecting a corresponding icon
located on the display. In an alternate embodiment, the insurance
provider can push a message to the claim processing application 125
to initiate a claim on the mobile phone 200. In an alternate
embodiment, the user 105 accesses the claim possessing application
125 using a web browser available on the mobile phone 200.
[0058] Using the mobile device, user data associated with the
insurance claim is received at the user device. (Step 720). In an
exemplary embodiment, the mobile phone 200 can be configured to
receive text, image, and/or voice data from the user 105. As
illustrated in FIG. 2, the mobile phone 200 can include a touch
screen display 205 for providing text, image, and voice data to the
claim processing application 125. For example, the touch screen
display 205 can include a text icon 210, a image icon 215, a audio
icon 220, a mode icon 225, and a trash icon 230.
[0059] Using the text icon 210, the user 105 can activate text
features of the claim processing application 125. Text information
provided by the user 105 can include, for example, accident and/or
damage-related information, driver identification information,
witness (e.g., contact information, witness statements, etc.),
other party information (e.g., contact information, license and
insurance information, etc.) In an exemplary embodiment, when the
user 105 selects the text icon 210 on the mobile phone 200, the
mobile phone 200 is configured to provide keypad functionality on
the touch screen display 205. The claim processing application 125
can also enable two-way text-based communication, i.e., chatting,
with a representative of the insurance provider and/or a repair
technician.
[0060] Using the image icon 215, the user 105 can activate image
capturing features of the claim processing application 125. Image
information provided by the user 105 can include still and video
images of the object and scene of the insurance claim. In an
exemplary embodiment, the mobile phone 200 can include an integral
camera (not shown). When the user 105 selects the image icon 215 on
the touch screen display 205, the claim processing application 125
activates the mobile phone 200 camera to capture still and/or video
images. Image-based information provided by the user 105 can
include still and video images of the object and scene of the
insurance claim. The image data can be used by the claim processing
server 135 to generate a model of the object and/or scene of the
insurance claim. The claim processing application 125 can also
enable two-way video-based chat with a representative of the
insurance provider and/or a repair technician. Video-based
statements by the user 105, the other party to the claim, and
witnesses are also contemplated.
[0061] Using the audio icon 220, the user 105 can activate audio
capturing features of the claim processing application 125. Audio
information provided by the user 105 can include audio statements
regarding the accident and/or damage-related information, driver
identification information, witness information (including recorded
witness statements), and other party information. In an exemplary
embodiment, the mobile phone 200 can include a microphone and
related recording features (not shown). When the user 105 selects
the audio icon 220, the claim processing application 125 activates
the microphone and related recording features to capture and audio
track. The claim processing application 125 can also enable two-way
voice-based communication with a representative of the insurance
provider and/or a repair technician.
[0062] Using the mode icon 225, the user 105 can activate various
functions and display modes of the claim processing application
125. An exemplary display mode provides the ability to pan, zoom,
and rotate the image of the object and/or scene on the touch screen
display 205. The display can be changed by the user 105 using the
touch screen display 205, user 105 voice commands, and/or
corresponding movement/rotation of the mobile phone 200. In an
exemplary embodiment, the display mode can simulate the user's 105
ability to move around the object and tag portions of the object
model and scene model. In an exemplary embodiment, the display 205
provides images of the user's 105 vehicle captured by the mobile
phone 200. As the user 105 moves around the vehicle, or simulates
their movement around the vehicle, the user 105 can tag images of
the vehicle captured by the mobile phone 200. In an exemplary
embodiment, the user 105 can tag images of the vehicle as they are
captured in real time.
[0063] Once collected, the user data is transmitted to a remove
server. (Step 630). In an exemplary embodiment, the mobile phone
200 is configured to save the text, image, audio data to the data
storage unit 130 resident on the mobile phone 200. Using the claim
processing application 125, the stored text, image, audio data is
transferred to the insurer server 115 (via network 120) where it
can be stored to the data storage unit 140. In an alternate
embodiment, the claim processing application 125 is configured to
store the collected text, image, and audio data directly to the
data storage until 140 at the insurer server 115 without accessing
the claim processing server 135. For example, where the user 105 is
accessing the claim processing application 125 using a web browser,
data entered by the user 105 can be stored directly to the data
storage until 140 at the insurer server 115.
[0064] A model of a scene corresponding to the insurance claim
event is received from the remote server. (Step 640). In an
exemplary embodiment, the insurer server 115 analyzes the user data
and stored, when necessary, to generate a model of the scene of the
insurance claim. The scene of the insurance claim can include a 2D
and/or 3D rendering of location of the insurance claim. In an
exemplary embodiment, the model of the scene of the insurance claim
also include a model of the object, e.g., the user's 105
vehicle.
[0065] The model is then displayed on the user device. (Step 650).
In an exemplary embodiment, as illustrated in FIG. 2, the mobile
phone 200 is configured to display the model of the user's 105
vehicle at the touch screen display 205. In an exemplary
embodiment, the model of the user's 105 vehicle is a 3D rendering.
Accordingly, various viewing angles can be provided. For example,
as illustrated in FIG. 2, a model of the user's 105 vehicle can be
displayed as a 3D rendering, or isometric view, of the vehicle. As
illustrated in FIG. 3A, a front view of the vehicle can be
displayed. As illustrated in FIG. 3B, a top view of the vehicle can
be displayed. It is contemplated an any viewing angle of the
vehicle can be provided based on user 105 selection.
[0066] In an exemplary embodiment, as illustrated in FIGS. 4A and
4B, the mobile phone 200 is configured to display a model of the
scene of the insurance claim at the touch screen display 205. In an
exemplary embodiment, the model of the scene of the insurance claim
is a 3D rendering. Accordingly, various viewing angles can be
provided. For example, as illustrated in FIG. 4A, the scene of the
insurance claim can be displayed as a 3D rendering, or isometric
view, of the scene of the insurance claim. As illustrated in FIG.
4B, a top view of the scene of the insurance claim can be
displayed. It is contemplated an any viewing angle of the vehicle
can be provided based on user 105 selection
[0067] In an exemplary embodiment, the user 105 can manipulate the
object and scene models. For example, using the user interface
provided at the touch screen display 205, the user 105 can
manipulate the model, e.g., zoom, pan, rotate, etc. In an exemplary
embodiment, the user 105 can zoom, pan, and/or rotate the model
using voice commands. In an exemplary embodiment, the user 105 can
zoom, pan, and/or rotate the model by moving/rotating the mobile
phone 200 using, for example, the gyroscopic effect of the mobile
phone 200 movement.
[0068] User input is received indicating portions of the model
corresponding to object damage. (Step 660). In an exemplary
embodiment, the user 105 can provide an indication to the claim
processing server 125 identifying (i.e., tagging) portions of the
object model and the scene model. For example, using the touch
screen display 205 the user 105 can select a portion of the model
to tag. The portion selected by the user 105 can include entire
vehicle components or it can be limited to a single point on the
model. In an exemplary embodiment, when the user 105 tags a portion
of the vehicle model a visual indication of the tag is represented
on the model (not shown). Once the model has been tagged, the user
105 can enter text, image, and/or audio data associated with that
tag. It is contemplated that the user 105 can enter multiple forms
of data associated with each tag. The data entered by the user 105
is linked to the tag and used by the claim processing server 135 to
process the claim. In an exemplary embodiment, depending on the
mode of the display, the user 105 can display various tags on the
model. The various versions of tag-based model display include, for
example, all tags, no tags, all tags corresponding to a particular
component or region on the model, all tags including a particular
data type (e.g., all tags including text data), or any other tag
configuration preferred by the user 105.
[0069] An indication is provided corresponding to the damaged
portion of the object. (Step 670). In an exemplary embodiment, the
claim processing server 135 uses the image data to identify damaged
portions of the object. The claim processing server 135 can provide
an indication on the model corresponding to portions where the
claim processing server 135 has determined there is actual or
potential damage to the object. The indication can include, for
example, a tag similar to those provided by the user 105 when
tagging damaged portions of the model, shading, outlining, or
otherwise changing the appearance of the damaged components on the
model. For example, if the claim processing server 135 has
determined that there is damage to the driver-side front fender of
the user's 105 vehicle, the claim processing server 135 can provide
an indication on the model, visible on the touch screen display
205, identifying the damaged fender.
[0070] Additional user data associated with the damaged portion is
received. (Step 680). In an exemplary embodiment, claim processing
server 135 can tag those portions of the model identified as damage
and request the user 105 provide additional and/or replacement data
with respect to the tagged portion. For example, where the claim
processing server 135 has tagged as damaged the driver-side front
fender of the user's 105 vehicle, the claim processing server 135,
via the claim processing application 125, can prompt the user 105
to enter additional data (text, audio, and/or image) regarding the
tag. The additional data can include, for example, images of the
fender from different angles than those originally provided, the
user's 105 comments regarding the damage, video data of the user
105 demonstrating the functionality of the damaged component, etc.
In an exemplary embodiment, the claim processing server 135 can tag
those portions of the model where insufficient/incomplete data has
been received. For example, if the image of the front fender panel
is blurred, the claim processing server 135 can tag the panel and
request the user 105 provide additional/replacement image data of
the fender. In an exemplary embodiment, the user 105, using the
mobile phone 200, inputs additional data (text, audio, and/or
image) in response to the claim processing server 135 generated
tags.
[0071] The indication of damage and the additional data are
transmitted to the remote server. (Step 690). In an exemplary
embodiment, the user 105 tags and the additional data created by
the user 105 is response to the claim processing server 135 tags
are transmitted to the insurer server 115 and the claim processing
server 135. The user-generated tags and additional data, along with
the claim processing server 135 generated tags, are used by the
claim processing server 135 to processing the insurance claim. The
tagged models and the associated tag data can be stored by the
claim processing server 135 at the data storage device 140.
[0072] FIG. 7 is a flow chart depicting a method 700 for processing
an insurance claim using an insurance claim processing server 135
coupled to a insurer server 115. Processing the insurance claim
requires the insurance claim be initiated. (Step 710). In an
exemplary embodiment, the user 105 can initiate the insurance claim
at the user device 110 using the claim processing application 125.
In an alternate embodiment, the insurance provider can initiate the
insurance claim. For example, the insurance provider may receive a
request or notice of the need to initiate an insurance claim from a
source other than the claim processing application 125. For
example, the insurance provider may receive notice of an accident
and/or vehicle damage from public records, such as police records,
or private records such as those generated by a repair facility. In
an exemplary embodiment, the insurance provider may receive notice
of actual or possible damage based on news and weather information
identifying a weather event such as hail, flood, earthquake.
Additionally, the insurance provider may receive notice of actual
or possible damage based on images received from satellite,
aircraft, and/or drone aerial vehicles. The insurance provider can
initiate the insurance claim using the claim processing server 135.
The claim processing server 135 can push a request to the claim
processing application 125 resident on the user device 110. The
request can activate the claim processing application 125 and
prompt the user 105 to provide information regarding the claim.
[0073] User data associated with an insurance claim is received.
(Step 720). In response to the request for data associated with the
insurance claim, the user 105 can provide data via the claim
processing application 125 to the claim processing server 135. The
user data can include text, audio, and/or image data associated
with the insurance claim event. The received user data can be
stored at the insurer server 115 on the data storage unit 140. Data
resident on the data storage unit 140 can be accessed and modified
by the claim processing server 135.
[0074] The received user data is then analyzed by the claim
processing server 135 to generate a model of a scene associated
with the insurance claim incident. (Step 730). The model of the
scene also includes a model of the object of the insurance claim,
e.g., the user's 105 vehicle. The model can include a dynamic
two-dimensional and/or three-dimensional rendering of the scene of
the accident and the object. In an exemplary embodiment, the claim
processing server 135 generates a single model including both the
scene of the insurance claim, the object, and any other party's
object relevant to the claim. In an alternate embodiment, the claim
processing server 135 generates separate models for each of the
scene, the object, and any other party's objects relevant to the
insurance claim. For example, the claim processing server 135 can
generate a model including the user's 105 vehicle, the scene of the
accident, and the other party's vehicle. An addition, or in the
alternative, the claim processing server 135 can generate separate
models for each of the user's 105 vehicle, the scene of the
accident, and the other party's vehicle. The claim processing
server 135 may determine that multiple models are needed when the
object and the relevant portions of the scene are located far apart
and image data does not provide sufficient detail. For example, if
the user 105 hits a fence while driving, the image data captured by
the user 105 may show that the user's vehicle and the damaged fence
are too far apart and quality images cannot be obtained. In such an
embodiment, the claim processing server 135 may require the user
105 provide, separately, image data associated with the user's 105
vehicle and image data associated with the damaged fence. In an
alternate example where the user 105 is involved in an auto
accident with another vehicle, image data provided by the user 105
including both the user's 105 vehicle and the other vehicle may
provide enough detail that a single model, including both cars, can
be created. The number of models generated cal also be determined
based on user 105 preference and/or insurance provider preference.
The generated models can be stored at the insurer server 115 on the
data storage unit 140. The models resident on the data storage unit
140 can be accessed and modified by the claim processing server
135.
[0075] The model is analyzed to identify damaged portions of the
object. (Step 740). In an exemplary embodiment, the claim
processing server 135 can analyze the generated models to identify
damaged portions of the object. Damaged portions can be identified
using feature extraction methods as described herein and as known
in the art. The model is transmitted to the user device 110. (Step
7850). In an exemplary embodiment, the model is transmitted via
network 120 to the user device 110. As user data is updated, new
(replacement) models can be generated. The new models can be
transmitted to the user device 110 for display and manipulation by
the user 105.
[0076] Damaged portions of the model are analyzed to determine
various claim elements. (Step 760). Claim elements can include, for
example, the identity of damaged components, the identity of
potentially damaged components (i.e., hidden damage), the force of
impact on the object, the force of impact on the occupants, and
possible occupant injury. Claim element data can be stored at the
insurer server 115 on the data storage unit 140. As user data is
updated, claim elements can recalculated and additional/alternate
claim elements can be identified.
[0077] The user data, model, and claim element are analyzed to
determine if the insurance claim satisfies processing criteria.
(Step 770). The processing criteria can identify the minimum amount
of data and/or certain data points that are required for the claim
to the processed. If the processing criteria is not met, additional
user data can be required. (Step 780). In an exemplary embodiment,
the claim processing server 135 can query the user 105, via the
claim processing application 125, to provide specific data
necessary for processing the insurance claim. The claim processing
server 135 may query the user 105 until the processing criteria are
satisfied. Once the processing criteria are satisfied, the
insurance claim can be finalize and processed. In an exemplary
embodiment, a finalized processed insurance claim can result in
approved repair, approved/validated medical injury claims, issuing
of settlement amounts if the vehicle is considered a complete loss,
billing the user 105 for deductible amounts, and any other result
known to those in the art when finalizing an insurance claim. In an
alternate embodiment, the claim processing server 135 can submit a
completed insurance claim application to an insurance provider. In
lieu of processing the insurance claim, the claim processing server
can provide the user data and all other data created by the claim
processing server 135 in a complete insurance claim application.
The insurance claim application can be submitted to an insurance
provider for approval and final processing. In an alternate
embodiment, the claim processing server 135 can issue an initial
assessment of the claim rather than finalize the claim. The initial
assessment can provide the user 105 with an intermediate level of
resolution of their insurance claim while other, perhaps long-term,
factors are worked out between the user 105 and the insurance
provider. The initial assessment can include, for example,
estimated repair costs and approval of repair. The initial
assessment can limit repair to certain dollar amounts or to
specific repair tasks. The initial assessment speeds up the claim
process and allows the user 105 to proceed to resolution with
certain elements of their insurance claim (e.g., repair) while
other elements can continue to be negotiated (e.g., settlement for
medical injury).
[0078] The exemplary embodiments described herein can be used with
computer hardware and software that perform the methods and
processing functions described previously. The systems, methods,
and procedures described herein can be embodied in a programmable
computer, computer-executable software, or digital circuitry. The
software can be stored on computer-readable media. For example,
computer-readable media can include a floppy disk, RAM, ROM, hard
disk, removable media, flash memory, memory stick, optical media,
magneto-optical media, CD-ROM, etc. Digital circuitry can include
integrated circuits, gate arrays, building block logic, field
programmable gate arrays (FPGA), etc.
[0079] The exemplary methods and acts described in the embodiments
presented previously are illustrative, and, in alternative
embodiments, certain acts can be performed in a different order, in
parallel with one another, omitted entirely, and/or combined
between different exemplary embodiments, and/or certain additional
acts can be performed, without departing from the scope and spirit
of the invention. Accordingly, such alternative embodiments are
included in the inventions described herein.
[0080] Although specific embodiments have been described above in
detail, the description is merely for purposes of illustration. It
should be appreciated, therefore, that many aspects described above
are not intended as required or essential elements unless
explicitly stated otherwise. Modifications of, and equivalent acts
corresponding to, the disclosed aspects of the exemplary
embodiments, in addition to those described above, can be made by a
person of ordinary skill in the art, having the benefit of the
present disclosure, without departing from the spirit and scope of
the invention defined in the following claims, the scope of which
is to be accorded the broadest interpretation so as to encompass
such modifications and equivalent structures.
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