Patent Issued for Automated insurer insured interactions (USPTO 11295389): Davidshield L.I.a (2000) Ltd.

2022 APR 22 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Alexandria, Virginia, NewsRx journalists report that a patent by the inventor Ketzef, Alon (Bnei Dror, IL), filed on August 1, 2018, was published online on April 5, 2022.

The patent’s assignee for patent number 11295389 is Davidshield L.I.a (2000) Ltd. (Netanya, Israel).

News editors obtained the following quote from the background information supplied by the inventors: “The following publications are believed to represent the current state of the art:

“U.S. Pat. Nos. 4,491,725; 4,858,121; 5,235,507; 5,359,509; 6,343,310; 6,609,200; 6,823,075; 6,941,363; 7,028,012; 7,039,603; 7,236,950; 7,287,071; 7,380,707; 7,434,729; 7,584,125; 7,590,557; 7,698,182 and 7,792,686;

“U.S. Published Patent Application Nos.: 2005/0086075 and 2005/0122953; and

“all references cited therein.”

As a supplement to the background information on this patent, NewsRx correspondents also obtained the inventor’s summary information for this patent: “The present invention seeks to provide improved systems and methodologies for automated insurer-insured interactions.

“There is thus provided in accordance with a preferred embodiment of the present invention a computerized immediate settlement insurance claim payment system comprising insurance policy issuing functionality for issuing, by an insurer, an insurance policy to an insured, and associating the policy with an insurance card to be carried by the insured and, upon the occurrence of an insured event, to be presented by the insured in association with a card reader to cover at least part of the cost of the insurance event, the insurance policy including a charge back provision allowing the insurer to charge back payments made to the insured via an identified credit card of the insured; automatic insurance claim verification functionality which, responsive to presentation of the insurance card, is operative to automatically verify the right of the insured to receive payment from the insurer by automatically verifying at least one of the value of the payment, the type of recipient entitled to receive such payment as identified by the card reader and the location of the recipient as identified by the card reader; insurance claim documentation requesting functionality operative to request from the insured, at the initiative of the insurer, following paying of the payment, documentation relating to the insured event; and chargeback functionality operative to charge back, at the initiative of the insurer, in the absence of receipt of the documentation, at least part of the payment via the identified credit card of the insured.

“Preferably, the insurance card is a debit card. Alternatively, the insurance card is a credit card.

“In accordance with a preferred embodiment of the present invention, the insurance policy issuing functionality includes automatic activation functionality operative to automatically activate the insurance policy based on the existence of at least one of a multiplicity of predetermined conditions. Preferably, the multiplicity of predetermined conditions includes time-based conditions and location-based conditions. Preferably, existence of the location-based conditions is ascertained by an RFID detector in association with an RFID chip. Preferably, the RFID chip is embedded in the insurance card. Alternatively, existence of the location-based conditions is ascertained by cell phone locating techniques in association with a cell phone carried by the insured. Preferably, the insurance card includes a record of the insured’s medical history.

“In accordance with a preferred embodiment of the present invention, the automatic insurance claim verification functionality also includes automatic fraud detection functionality which includes automatic voice analysis functionality operative to automatically analyze the voice of the insured.”

The claims supplied by the inventors are:

“1. A system for providing remote automated payment of insurance claims, said system comprising: dedicated payment cards, each linked to a unique identifier and including: a non-transient medium for storing the unique identifier; one or more electronically readable mediums or transmitters for communicating the unique identifier to exterior electronic devices through a radiating element which wirelessly transmits said unique identifier to a location specific communication device, each given location specific communication device comprising: (a) a sensor adapted to sense and identify said dedicated payment card within a coverage area of the given location specific communication device, and (b) communication circuitry configured to electronically send over a data network to a server functionally associated with a digital knowledgebase the unique identifier of each identified payment card along with an indicator of a location where the card was identified; said digital knowledgebase containing data including rulesets for automated machine verification of insurance claims, including checking for cost appropriateness of different insured payment types in different locales; a server functionally associated with said digital knowledgebase and configured to communicate with insurance claim payment related electronic devices over a digital data network, wherein said server: i. comprising communication circuitry to receive digitized requests for automated remote payment of insured payments, each digitized request received according to a predefined data format and including an identity of an insured party correlated to an individual unique identifier of one of said dedicated payment cards, an indicator of a claim category for a given insurance claim, an amount of the requested automated remote payment for the given insurance claim, and a geographical location associated with the given insurance claim for the requested automated remote payment; and ii. being configured to automatically authorize or deny each of the requests for remote payment, including automatically verifying: a. the identified insured party is of a type entitled to receive the requested automated remote payment; b. the amount of the requested automated remote payment; c. the geographical location of the requested automated remote payment is a location where the identified insured party is entitled to receive the requested automated remote payment; and d. the amount of the requested automated remote payment for the given insurance claim is within a range of allowable payment amounts for an insurance claim: (i) of the same category as the given insurance claim, and (ii) originating within the location associated with the given claim; an automated payment interface configured to advance funds to an account associated with the individual unique identifier upon authorization of the individual request by the server; wherein said server further comprises an interface to receive data relating to electronic payments performed by one of said dedicated payment cards, from electronic payment receiving devices, including paid amounts and payment locations; and said server is further configured to verify: a. the paid amounts match the verified requested amount of the requested automated remote payment; and b. the payment location matches the geographical location.

“2. The system according to claim 1, wherein said dedicated payment cards include data storage configured to store medical records of an insured party.

“3. The system according to claim 1, wherein said server further comprises voice analysis circuits configured to automatically detect fraudulent requests for automated remote payment based on voice analysis.

“4. A method for providing remote automated payment of insurance claims, said method comprising: supplying insured parties with dedicated payment cards, each linked to a unique identifier and including: a non-transient medium for storing the unique identifier; and one or more electronically readable mediums or transmitters for communicating the unique identifier to exterior electronic devices through a radiating element which wirelessly transmits said unique identifier to a location specific wireless communication device, each given location specific communication device comprising: (a) a sensor adapted to sense and identify said dedicated payment card within a coverage area of the given location specific communication device, and (b) communication circuitry configured to electronically send over a data network to a server functionally associated with a digital knowledgebase the unique identifier of each identified payment card along with an indicator of a location where the card was identified; maintaining said digital knowledgebase containing data including rulesets for automated machine verification of insurance claims, including checking for cost appropriateness of different insured payment types in different locales; using a server functionally associated with said digital knowledgebase to receive digitized requests for automated remote payment of insured payments, each digitized request including an identity of an insured party correlated to an individual unique identifier of one of said dedicated payment cards, an indicator of a claim category for a given insurance claim, an amount of the requested automated remote payment for the given insurance claim, and a geographical location associated with the given insurance claim for the requested automated remote payment; and an automatically authorizing or denying each of the requests for remote payment, including automatically verifying: a. the identified insured party is of a type entitled to receive the requested automated remote payment; b. the amount of the requested automated remote payment, c. the geographical location of the requested automated remote payment is a location where the identified insured party is entitled to receive the requested automated remote payment; and d. the amount of the requested automated remote payment for the given insurance claim is within a range of allowable payment amounts for an insurance claim: (a) of the same category as the given insurance claim, and (b) originating within the location associated with the given claim; using an automated payment interface to advance funds to an account associated with the individual unique identifier upon authorization of the individual request by the server; receiving data relating to electronic payments performed by said one of said dedicated payment cards, from electronic payment receiving devices, including paid amounts and payment locations; and automatically verifying, using the server: a. the paid amounts match the verified requested amount of the requested automated remote payment; and b. the payment location matches the geographical location.

“5. The method according to claim 4, wherein said dedicated payment cards include data storage configured to store medical records of an insured party.

“6. The method according to claim 4, further comprising automatically detecting fraudulent requests for automated remote payment based on voice analysis.

“7. A system for providing remote automated payment of insured payments, said system comprising: dedicated payment cards, each card linked to a unique identifier and including: a non-transient medium for storing the unique identifier and one or more electronically readable mediums or transmitters for communicating the unique identifier to at least one exterior electronic device; location communicating devices, each positioned to sense said dedicated payment cards at a specific border crossing, and each location communicating device comprising a sensor adapted to sense a presence and identify each said dedicated payment card within a coverage area of the location communicating device, and at least one location communicating device including communication circuitry configured to electronically notify a remote server of each dedicated payment card sensed and identified within a coverage area of one of the location communicating devices at the specific border crossing; said remote server being functionally associated with a digital knowledgebase containing data including rulesets for automated machine verification of insured payment request appropriateness, and said remote server comprising: communication circuitry to receive notifications from said location specific communicating devices and digitized requests for automated remote payment of a given insurance claim of specific a category, each digitized request including: i. an identity of an insured party, correlated to an individual unique identifier of one of said dedicated payment cards, ii. an amount of the requested automated remote payment; and iii. a geographical location of the requested automated remote payment; iv. an indicator of the category of the given insurance claim underlying the requested payment; and said server being configured to automatically authorize or deny each of the requests for remote payment, including automatically verifying: i. the identified insured party is of a type entitled to receive the requested automated remote payment; ii. the amount of the requested automated remote payment iii. the geographical location of the requested automated remote payment matches the records of notifications relating to the individual unique identifier received from said location communicating device; and iv. the amount of the requested automated remote payment for the given insurance claim is within a range of allowable payment amounts for an insurance claim: (a) of the same category as the given insurance claim, and (b) originating within the location associated with the given claim; and an automated payment interface configured to advance funds to an account associated with the individual unique identifier upon authorization of the individual request.”

There are additional claims. Please visit full patent to read further.

For additional information on this patent, see: Ketzef, Alon. Automated insurer insured interactions. U.S. Patent Number 11295389, filed August 1, 2018, and published online on April 5, 2022. Patent URL: http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=11295389.PN.&OS=PN/11295389RS=PN/11295389

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