“Commercial Claim Processing Platform Using Machine Learning To Generate Shared Economy Insights” in Patent Application Approval Process (USPTO 20240054569): Allstate Insurance Company

2024 MAR 05 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent application by the inventors Brune, Nathan (Chicago, IL, US); Deans, John (Northbrook, IL, US); Gore, Matthew (Chicago, IL, US); Gutsell, Christopher Paul (Gurnee, IL, US); Harasymczuk, Rebecca (Chicago, IL, US); Kelsh, John P. (Antioch, IL, US), filed on October 23, 2023, was made available online on February 15, 2024, according to news reporting originating from Washington, D.C., by NewsRx correspondents.

This patent application is assigned to Allstate Insurance Company (Northbrook, Illinois, United States).

The following quote was obtained by the news editors from the background information supplied by the inventors: “Aspects of the disclosure relate to enhanced processing systems for executing machine learning algorithms and providing insights for commercial and/or shared economy services. Many organizations and/or individuals make claims related to commercial incidents (e.g., relating to work, employees, or the like). In some instances, however, these claims might not be optimally processed for organizations providing commercial and/or shared economy services, which may result in excessive expenditure of resources for both shared economy organizations and others.”

In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventors’ summary information for this patent application: “Aspects of the disclosure provide effective, efficient, scalable, and convenient technical solutions that address and overcome the technical problems associated with generation of commercial and shared economy insights.

“In accordance with one or more embodiments, a computing platform comprising at least one processor, a communication interface communicatively coupled to the at least one processor, and memory may receive historical claim processing information. The computing platform may train a machine learning model using the historical claim processing information, which may configure the machine learning model to output new claim processing information based on claim information. The computing platform may receive a new claim, including claim information. Using the machine learning model, the computing platform may process the new claim, which may result in the new claim processing information. The computing platform may send, to a user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information, which may cause the user computing device to display the new claim processing information.

“In one or more instances, the historical claim processing information may include one or more of: one or more images, one or more videos, damage assessment information, fault information, settlement amounts, telematics data, and/or other information. In one or more instances, the computing platform may compare the new claim processing information to a predetermined confidence threshold. Based on identifying that the new claim processing information exceeds the predetermined confidence threshold, the computing platform may send the new claim processing information to the user computing device without manual review. Based on identifying that the new claim processing information does not exceed the predetermined confidence threshold, the computing platform may send the new claim processing information for manual review.

“In one or more examples, the computing platform may generate, while processing the new claim, claim status information indicating a status of processing the new claim. The computing platform may receive a request for a status update for processing of the new claim. In response to the request for the status update, the computing platform may send the claim status information, which may cause the claim status information to be displayed at a remote computing device.

“In one or more instances, sending, to the user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information may include sending, via an enterprise computing system, the new claim processing information and the one or more commands directing the user computing device to display the new claim processing information. In these instances, the enterprise computing system may be configured to render the new claim processing information for display.

“In one or more arrangements, the computing platform may receive, from the user computing device, confirmation information. In response to receiving the confirmation information, the computing platform may perform one of more of: 1) sending one or more commands directing an event processing system to execute a payment corresponding to the new claim, which may cause the event processing system to execute the payment, or 2) sending one or more commands directing a third party service device to cause dispatch of a service vehicle based on the new claim information, which may cause dispatch of the service vehicle.

“In one or more instances, the computing platform may receive, prior to receiving the new claim, a query from the user computing device. Using one or more sub-processes of the machine learning model, the computing platform may identify a response to the query. The computing platform may send, to the user computing device, the response to the query, which may cause the user computing device to display the response to the query.

“In one or more examples, the query may be a request for a damage assessment in a shared-economy scenario, and the shared-economy scenario may be one or more of: a ride share scenario, a vehicle share scenario, or a home sharing scenario. These features, along with many others, are discussed in greater detail below.”

The claims supplied by the inventors are:

“1. A computing platform comprising: at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: receive an input comprising a request to process a new claim; identify, by a machine learning model comprising a plurality of sub-models, one or more sub-models of the plurality of sub-models as being associated with the new claim; compare, using the one or more sub-models, new claim information and stored historical claim processing information; determine whether the new claim information is sufficient for claim processing; and based on a determination that the new claim information is sufficient, utilize the machine learning model to resolve the claim, wherein utilizing the machine learning model to resolve the claim comprises: generating, using the one or more sub-models, new claim processing information comprising a recommendation; and sending, to the user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information, wherein sending the one or more commands causes the user computing device to display the new claim processing information.

“2. The computing platform of claim 1, wherein the historical claim processing information includes one or more of: one or more images, one or more videos, damage assessment information, fault information, settlement amounts, or telematics data.

“3. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the computing platform to: based on identifying that the new claim processing information does not exceed a predetermined confidence threshold, designate the new claim processing information for manual review.

“4. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the computing platform to: generate, while processing the new claim, claim status information indicating a status of processing the new claim; receive a request for a status update for processing of the new claim; and send, in response to the request for the status update, the claim status information, wherein sending the claim status information causes the claim status information to be displayed at a remote computing device.

“5. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the computing platform to: receive, from the user computing device, confirmation information; and in response to receiving the confirmation information, perform one or more of: sending one or more commands comprising instructions for an event processing system to execute a payment corresponding to the new claim, or sending one or more commands comprising instructions for a third party service device to cause dispatch of a service vehicle based on the claim information.

“6. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the computing platform to: generate, using one or more sub-models, a plurality of decisions.

“7. The computing platform of claim 6, wherein the plurality of decisions comprises a damage assessment, a fault assessment, and an injury assessment.

“8. The computing platform of claim 1, wherein the comparison of the new claim information to the historical claim processing information is based on at least one of a damage type, vehicle type, and a geographic region.

“9. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the computing platform to: determine the new claim information is insufficient to process the new claim; and in response to determining the new claim information is insufficient: request additional claim information from the user computing device; or contact an insurance adjuster.

“10. A method comprising: at a computing platform comprising at least one processor, a communication interface, and memory: receiving an input comprising a request to process a new claim; identifying, by a machine learning model comprising a plurality of sub-models, one or more sub-models of the plurality of sub-models as being associated with the new claim; comparing, using the one or more sub-models, new claim information and stored historical claim processing information; determining whether the new claim information is sufficient for claim processing; and based on a determination that the new claim information is sufficient, utilizing the machine learning model to resolve the claim, wherein utilizing the machine learning model to resolve the claim comprises: generating, using the one or more sub-models, new claim processing information comprising a recommendation; and sending, to the user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information, wherein sending the one or more commands causes the user computing device to display the new claim processing information.

“11. The method of claim 10, wherein the historical claim processing information includes one or more of: one or more images, one or more videos, damage assessment information, fault information, settlement amounts, or telematics data.

“12. The method of claim 10, further comprising: based on identifying that the new claim processing information does not exceed a predetermined confidence threshold, designating the new claim processing information for manual review.

“13. The method of claim 10, further comprising: receiving, from the user computing device, confirmation information; and in response to receiving the confirmation information, performing one or more of: sending one or more commands comprising instructions for an event processing system to execute a payment corresponding to the new claim, or sending one or more commands comprising instructions for a third party service device to cause dispatch of a service vehicle based on the claim information.

“14. The method of claim 10, further comprising: generating, using one or more sub-models, a plurality of decisions, wherein the plurality of decisions comprises a damage assessment, a fault assessment, and an injury assessment.

“15. The method of claim 10, wherein the comparison of the new claim information to the historical claim processing information is based on at least one of a damage type, vehicle type, and a geographic region.

“16. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, a communication interface, and memory, cause the computing platform to: receive an input comprising a request to process a new claim; identify, by a machine learning model comprising a plurality of sub-models, one or more sub-models of the plurality of sub-models as being associated with the new claim; compare, using the one or more sub-models, new claim information and stored historical claim processing information; determine whether the new claim information is sufficient for claim processing; and based on a determination that the new claim information is sufficient, utilize the machine learning model to resolve the claim, wherein utilizing the machine learning model to resolve the claim comprises: generating, using the one or more sub-models, new claim processing information comprising a recommendation; and sending, to the user computing device, the new claim processing information and one or more commands directing the user computing device to display the new claim processing information, wherein sending the one or more commands causes the user computing device to display the new claim processing information.

“17. The one or more non-transitory computer-readable media of claim 16, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the computing platform to: generate, while processing the new claim, claim status information indicating a status of processing the new claim; receive a request for a status update for processing of the new claim; and send, in response to the request for the status update, the claim status information, wherein sending the claim status information causes the claim status information to be displayed at a remote computing device.

“18. The one or more non-transitory computer-readable media of claim 16, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the computing platform to: generate, using one or more sub-models, a plurality of decisions.

“19. The one or more non-transitory computer-readable media of claim 18, wherein the plurality of decisions comprises a damage assessment, a fault assessment, and an injury assessment.

“20. The one or more non-transitory computer-readable media of claim 16, wherein the comparison of the new claim information to the historical claim processing information is based on at least one of a damage type, vehicle type, and a geographic region.”

URL and more information on this patent application, see: Brune, Nathan; Deans, John; Gore, Matthew; Gutsell, Christopher Paul; Harasymczuk, Rebecca; Kelsh, John P. Commercial Claim Processing Platform Using Machine Learning To Generate Shared Economy Insights. U.S. Patent Application Number 20240054569, filed October 23, 2023 and posted February 15, 2024. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20240054569)&db=US-PGPUB&type=ids

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