Patent Issued for Systems and methods for system generated damage analysis (USPTO 11741763): Allstate Insurance Company

2023 SEP 19 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Alexandria, Virginia, NewsRx journalists report that a patent by the inventors Carmichael, Ryan (Wheeling, IL, US), Gore, Caleb Brian Slaughter (Buffalo Grove, IL, US), Harasymczuk, Rebecca (Chicago, IL, US), Walsh, Connor (Lake Forest, IL, US), filed on December 26, 2018, was published online on August 29, 2023.

The patent’s assignee for patent number 11741763 is Allstate Insurance Company (Northbrook, Illinois, United States).

News editors obtained the following quote from the background information supplied by the inventors: “The processing of accident data can be a time-consuming and complex process for both a claimant and a processor. The claimant often provides a variety of data to the processor. The processor assesses the damage for which compensation is sought. This process can involve paperwork processing, telephone calls, and potentially face-to-face meetings between claimant and processor. In addition, a significant amount of time (weeks or months) can elapse between the initiation of the process and the final settlement of the claim.”

As a supplement to the background information on this patent, NewsRx correspondents also obtained the inventors’ summary information for this patent: “The following presents a simplified summary of the present disclosure in order to provide a basic understanding of some aspects of the invention. This summary is not an extensive overview of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention. The following summary merely presents some concepts of the invention in a simplified form as a prelude to the more detailed description provided below.

“As will be discussed more fully herein, arrangements described herein are directed to methods, computer-readable media, and apparatuses are disclosed in which a variety of data describing the condition of an object can be obtained and probabilistic likelihoods of causes and/or value of damages to the object can be calculated. Aspects of the disclosure involve a guided digital assistant that analyzes various information to automatically calculate likelihoods of causes and/or value of damages to the object. The system is designed with flexibility and reusability to take decisions in claims and liability and calculate probabilistic likelihoods for particular scenarios utilizing real-time and prescriptive analytics for a liability determination and damage determination. The system may utilize a scene sketch tool application program interface and/or a liability tool user interface and various data sources.

“The arrangements described may also include other additional elements, steps, computer-executable instructions, or computer-readable data structures. In this regard, other embodiments are disclosed and claimed herein as well. The details of these and other embodiments of the present invention are set forth in the accompanying drawings and the description below. Other features and advantages of the invention will be apparent from the description, drawings, and claims.”

The claims supplied by the inventors are:

“1. A system, comprising: at least one processor; and memory storing instructions that, when executed by the at least one processor, cause the system to: receive, from a capture device, at least one indicator of damage to an object, the at least one indicator of damage comprising image data; receive, from a telematics device associated with the object, object operational data comprising an indication of a speed of the object and an acceleration of the object; receive, from a third-party server system, scene data identifying a particular geographic location, satellite image data corresponding to the particular geographic location, and a speed limit associated with the geographic location; and generate, by at least one machine classifier and based on the object operational data, the at least one indicator of damage to the object, and the scene data, event interpretation data for each of the at least one indicators of damage, wherein the event interpretation data comprises: a damage model generated by the at least one machine classifier based on the image data, a confidence metric comprising a likelihood of liability for the at least one indicators of damage, an indication of how the damage occurred, and an indication of a party that is at fault.

“2. The system of claim 1, wherein the system further includes instructions that, when executed, cause the system to: generate notification data identifying the indicator of damage when the confidence metric is below a threshold value for an indicator of damage; receive additional data based on the on the notification data; and re-calculate the event interpretation data based on the at least one indicator of damage to the object, the object operational data, the scene data, and the additional data.

“3. The system of claim 2, wherein the event interpretation data is recalculated for each of the indicators of damage.

“4. The system of claim 1, wherein: the at least one indicator of damage to the object comprises audio data; and further including instructions that, when executed, cause the system to: generate text data based on the audio data; and calculate one or more of the indicators of damage to the object based on the text data.

“5. The system of claim 1, further including instructions that, when executed, cause the system to: generate a scene rendering for the particular geographic location based on the event interpretation data and the satellite image data; generate a user interface comprising the scene rendering and the event interpretation data; and provide the user interface.

“6. A computer-implemented method, comprising: receiving, from a capture device, at least one indicator of damage to an object, the at least one indicator of damage comprising image data; receiving, from a telematics device associated with the object, object operational data comprising an indication of a speed of the object and an acceleration of the object; receiving, from a third-party server system, scene data identifying a particular geographic location, satellite image data corresponding to the particular geographic location, and a speed limit associated with the geographic location; and generating, by at least one machine classifier and based on the object operational data, the at least one indicator of damage to the object, and the scene data, event interpretation data for each of the at least one indicators of damage, wherein the event interpretation data comprises: a damage model generated by the at least one machine classifier based on the image data, a confidence metric comprising a likelihood of liability for the at least one indicators of damage an indication of how the damage occurred, and an indication of a party that is at fault.

“7. The computer-implemented method of claim 6, further comprising: generating notification data identifying the indicator of damage when the confidence metric is below a threshold value for an indicator of damage; receiving additional data based on the on the notification data; and regenerating the event interpretation data based on the at least one indicator of damage to the object, the object operational data, the scene data, and the additional data.

“8. The computer-implemented method of claim 7, wherein the event interpretation data is recalculated for each of the indicators of damage.

“9. The computer-implemented method of claim 6, wherein: the at least one indicator of damage to the object comprises audio data; and the method further comprises: generating text data based on the audio data; and calculating one or more of the indicators of damage to the object based on the text data.

“10. The computer-implemented method of claim 6, further comprising: generating a scene rendering for the particular geographic location based on the event interpretation data and the satellite image data; generating a user interface comprising the scene rendering and the event interpretation data; and providing the user interface.

“11. A non-transitory computer-readable medium storing instructions for controlling a processor, the instructions causing the processor to perform steps comprising: receiving, from a capture device, at least one indicator of damage to an object the at least one indicator of damage comprising image data; receiving, from a telematics device associated with the object, object operational data comprising an indication of a speed of the object and an acceleration of the object; receiving, from a third-party server system, scene data identifying a particular geographic location, satellite image data corresponding to the particular geographic location, and a speed limit associated with the geographic location; and generating, by at least one machine classifier and based on the object operational data, the at least one indicator of damage to the object, and the scene data, event interpretation data for each of the at least one indicators of damage, wherein the event interpretation data comprises: a damage model generated by the at least one machine classifier based on the image data, a confidence metric comprising a likelihood of liability for the at least one indicators of damage, an indication of how the damage occurred, and an indication of a party that is at fault.

“12. The non-transitory computer-readable medium of claim 11, wherein the instructions further cause the processor to perform steps comprising: generating notification data identifying the indicator of damage when the confidence metric is below a threshold value for an indicator of damage; receiving additional data based on the on the notification data; and regenerating the event interpretation data based on the at least one indicator of damage to the object, the object operational data, the scene data, and the additional data.

“13. The non-transitory computer-readable medium of claim 12, wherein the event interpretation data is recalculated for each of the indicators of damage.

“14. The non-transitory computer-readable medium of claim 11, wherein: the at least one indicator of damage to the object comprises audio data; and the instructions further cause the processor to perform steps comprising: generating text data based on the audio data; and calculating one or more of the indicators of damage to the object based on the text data.

“15. The non-transitory computer-readable medium of claim 11, wherein the instructions further cause the processor to perform steps comprising: generating a scene rendering for the particular geographic location based on the event interpretation data and the satellite image data; generating a user interface comprising the scene rendering and the event interpretation data; and providing the user interface.”

For additional information on this patent, see: Carmichael, Ryan. Systems and methods for system generated damage analysis. U.S. Patent Number 11741763, filed December 26, 2018, and published online on August 29, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11741763)&db=USPAT&type=ids

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