Patent Issued for Automatic claim generation (USPTO 11783430): Allstate Insurance Company
2023 OCT 27 (NewsRx) -- By a
The assignee for this patent, patent number 11783430, is
Reporters obtained the following quote from the background information supplied by the inventors: “Traditionally, a driver keeps a hardcopy of an insurance card in a vehicle, e.g., often in the glove compartment. When a driver renews or updates an insurance policy, an insurance company will typically send the driver a new hardcopy of the insurance card. When the driver receives the new insurance card, the driver may replace the old insurance card in the vehicle with the new insurance card.
“The insurance card may include information identifying the insurance company providing the insurance coverage and contact information for the insurance company; the drivers insured under the insurance policy and contact information for the drivers; a vehicle insured under the insurance policy and the color, make, model, and year of the vehicle; effective dates; and other types of insurance information.
“Hardcopy insurance cards are associated with a number of disadvantages. A driver may misplace a hardcopy insurance card or forget to place the hardcopy insurance card in the vehicle. An insurance company must continually replace hardcopy insurance cards as insurance policies are renewed and insurance information changes. Moreover, an insurance company is not able to determine when a driver accesses the hardcopy insurance card, e.g., following a vehicle collision. Instead, the driver may initiate contact with the insurance company when insurance services are needed.
“Therefore, a need exists for an improved approach to providing insurance information that makes receipt and display of insurance information more efficient for drivers and that allows an insurance company to proactively provide insurance services when customers access their insurance information.”
In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “The following presents a simplified summary in order to provide a basic understanding of some aspects of the disclosure. The summary is not an extensive overview of the disclosure and is not intended to identify key or critical elements or to delineate the scope of protection sought. The following summary merely presents some concepts of the disclosure in a simplified form as an introduction to the more detailed description provided below.
“A first aspect described herein provides a method of retrieving insurance information of an insurance customer at a mobile device. An insurance information token may be affixed to a vehicle and scanned by an optical input device of the mobile device. The optical input device may thus obtain optical input corresponding to the insurance information token. The insurance information of the insurance customer may be retrieved based on the optical input and presented at a display device of the mobile device upon retrieval. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned.
“A second aspect described herein provides an apparatus for retrieving insurance information of an insurance customer at a mobile device. The apparatus may include at least one processor and a data store that stores the insurance information associated with the insurance customer. A message handler may receive a message from a mobile device indicating that the mobile device has scanned an insurance information token affixed to a vehicle. The message handler may initiate creation of a record corresponding to the message and may also initiate a response to the message. The message may indicate the date, time, and geographic location at which the mobile device scanned the insurance information token.
“A third aspect described herein provides non-transitory computer-readable media for retrieving insurance information of an insurance customer at a mobile device. A mobile device may scan an insurance information token that is affixed to a vehicle using an optical input device and obtain optical input corresponding to the insurance information token. The mobile device may retrieve insurance information for an insurance customer associated with the insurance information token based on the optical input. Upon retrieving the insurance information, the mobile device may present the insurance information at a display device. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned. In response to receipt of the message, the insurance system may create a record that corresponds to the message. The insurance system may also, in response to receipt of the message, determine whether the vehicle was involved in an incident based on telematics information received from the vehicle.
“The insurance information token may encode the insurance information itself or a unique identifier used to retrieve the insurance information. Accordingly, an optical input decoder may decode the optical input to obtain the insurance information or the unique identifier. The unique identifier may be provided to an insurance system that stores the insurance information and associates the insurance information with the unique identifier. In response to receipt of a request that includes the unique identifier, the insurance system may provide the insurance information to a mobile device.”
The claims supplied by the inventors are:
“1. A method for automatically generating a claim, comprising: obtaining, using a server system, first vehicle telematics information collected from a first vehicle by a telematics device regarding operation of the first vehicle, wherein the first vehicle telematics information includes at least one vehicle operation event that indicates an incident involving the first vehicle at a first date and a first time; obtaining, using the server system, a token message that includes first scan information indicating a unique identifier affixed to the first vehicle, wherein the token message is generated based on encoded optical input scanned using a mobile device at a second date and a second time; creating a first record for the incident, by the server system that includes a first policy associated with the first vehicle based on the unique identifier indicated by the first scan information in the token message; determining, by the server system, that the scan information is associated with the same incident as the first vehicle telematics information based on the first scan information being scanned within a predetermined time period of the incident associated with the first vehicle telematics information by comparing the first date and the first time to the second date and the second time; obtaining, using the server system, a second vehicle telematics information indicating a second vehicle at a second location and a third time, wherein the second location is within a threshold distance of a first location of the first vehicle; receiving second scan information from a second mobile device, wherein the second scan information indicates a unique identifier associated with a second policy of the second vehicle; matching the first record to a second record corresponding to the second scan information that matches the first scan information, wherein the second record is associated with the second policy; determining, by the server system, that the second vehicle associated with the second policy is involved in the same incident based on the matching first and second scan information and the first vehicle telematics information matching the second vehicle telematics information; and automatically generating, using the server system, a claim for the incident determined to involve the first vehicle and the second vehicle based on the matching first record and the second record, wherein the claim is automatically populated based on the at least one vehicle operation event included in the first vehicle telematics information, the second vehicle telematics information, and the token message, wherein the claim is associated with the first policy and the second policy.
“2. The method of claim 1, wherein the least one vehicle operation event included in the first vehicle telematics information includes a hard braking event or a sudden stop event by the first vehicle or the second vehicle.
“3. The method of claim 1, further comprising transmitting, using the server system, one or more follow-up communications based on the first policy and the second policy, wherein the follow-up communications allow for confirmation or dismissal of the automatically generated claim.
“4. The method of claim 1, further comprising: automatically generating, by the server system and based on the claim, follow-up communication data; transmitting, to the mobile device and by the server system, the follow-up communication data; obtaining, using the server system, a response from the mobile device; and automatically modifying, using the server system, the claim based on the response.
“5. The method of claim 4, wherein the response comprises an indication that the first vehicle was involved in the incident.
“6. A system for automatically generating a claim, comprising: a processor; and a memory in communication with the processor and storing instructions; wherein the instructions, when executed by the processor, cause the processor to: obtain first vehicle telematics information collected from a first vehicle by a telematics device regarding operation of the first vehicle, wherein the first vehicle telematics information includes at least one vehicle operation event that indicates an incident involving the first vehicle at a first data and a first time; obtain a token message that includes first scan information indicating a unique identifier affixed to the first vehicle, wherein the token message is generated based on encoded optical input scanned using a mobile device at a second date and a second time; create a first record for the incident that includes a first policy associated with the first vehicle based on the unique identifier indicated by the first scan information in the token message; determine, by the processor, that the first scan information is associated with the same incident as the first vehicle telematics information based on the first scan information being scanned within a predetermined time period of the incident associated with the first vehicle telematics information by comparing the first date and the first time to the second date and the second time; obtain a second vehicle telematics information indicating a second vehicle at a second location and a third time, wherein the second location is within a threshold distance of the first location; receive second scan information from a second mobile device, wherein the second scan information indicates a unique identifier associated with a second policy of the second vehicle; match, by the server system, the first record to a second record corresponding to the second scan information that matches the first scan information, wherein the second record is associated with the second policy; determine, by the server system, that the second vehicle associated with the second policy is involved in the same incident based on the matching first and second scan information and the first vehicle telematics information matching the second vehicle telematics information; and automatically generate a claim for the incident determined to involve the first vehicle and the second vehicle based on the matching first record and the second record, wherein the claim is automatically populated based on the at least one vehicle operation event included in the first vehicle telematics information, the second vehicle telematics information, and the token message, wherein the claim is associated with the first policy and the second policy.
“7. The system of claim 6, wherein the at least one vehicle operations event included in the first vehicle telematics information includes a hard braking event or a sudden stop event by the first vehicle.
“8. The system of claim 6, wherein the instructions, when executed by the processor, further cause the system to transmit one or more follow-up communications based on the first policy and the second policy, wherein the follow-up communications allow for confirmation or dismissal of the automatically generated claim.
“9. The system of claim 6, wherein the instructions, when executed by the processor, further cause the system to: automatically generate, based on the claim, follow-up communication data; transmit, to the mobile device, the follow-up communication data; obtain a response from the mobile device; and automatically modify the claim based on the response.
“10. The system of claim 9, wherein the response comprises an indication that the first vehicle was involved in the incident.”
There are additional claims. Please visit full patent to read further.
For more information, see this patent: Friedman, Benjamin. Automatic claim generation.
(Our reports deliver fact-based news of research and discoveries from around the world.)
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