“Systems And Methods For System Generated Damage Analysis” in Patent Application Approval Process (USPTO 20230410577): Allstate Insurance Company

2024 JAN 05 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent application 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 August 28, 2023, was made available online on December 21, 2023, 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: “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.”

In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventors’ summary information for this patent application: “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 perform operations comprising: receiving, from a sensor associated with an object, sensor data; determining, based on the sensor data, a damage model indicating a severity of one or more damage elements; determining, based on the sensor data, scene data identifying a geographic location; and generating, by at least one machine classifier, event interpretation data for each of the one or more damage elements, wherein the event interpretation data is based on the sensor data, the damage model, and the scene data.

“2. The system of claim 1, wherein the damage model further indicates a point of impact for each of the one or more damage elements.

“3. The system of claim 1, wherein the operations further comprise obtaining additional information regarding the geographic location, the additional information comprising at least one of a road type, an intersection type, a speed limit, a road condition, or weather information.

“4. The system of claim 1, wherein: the sensor data comprises image data of the one or more damage elements; and the damage model is based on the image data.

“5. The system of claim 1, wherein the event interpretation data comprises: a confidence metric comprising a likelihood of liability for the one or more damage elements, an indication of how the one or more damage elements occurred, and an indication of a party that is at fault.

“6. The system of claim 1, wherein the operations further comprise obtaining satellite image data for the geographic location.

“7. The system of claim 1, wherein the operations further comprise: generating a scene rendering for the 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.

“8. The system of claim 1, wherein the sensor data comprises information regarding operation of a vehicle including at least one of a speed, an acceleration, the geographic location, or impact data from an impact sensor.

“9. A computer-implemented method comprising: receiving, from a sensor associated with an object, sensor data; determining, based on the sensor data, scene data identifying a geographic location; determining, by at least one machine classifier, a damage model indicating a severity of one or more damage elements, wherein the damage model is based on the sensor data; and generating, by the at least one machine classifier, event interpretation data for each of the one or more damage elements, wherein the event interpretation data is based on the sensor data, the damage model, and the scene data.

“10. The computer-implemented method of claim 9, wherein the damage model further indicates a point of impact for each of the one or more damage elements.

“11. The computer-implemented method of claim 9, further comprising obtaining additional information regarding the geographic location, the additional information comprising at least one of a road type, an intersection type, a speed limit, a road condition, or weather information.

“12. The computer-implemented method of claim 9, wherein the event interpretation data comprises: a confidence metric comprising a likelihood of liability for the one or more damage elements, an indication of how the one or more damage elements occurred, and an indication of a party that is at fault.

“13. The computer-implemented method of claim 9, further comprising obtaining satellite image data for the geographic location.

“14. The computer-implemented method of claim 9, further comprising: generating a scene rendering for the 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.

“15. Non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations comprising: receiving, from a sensor associated with a vehicle, sensor data regarding operation of the vehicle; determining, based on the sensor data, a damage model indicating a severity of one or more damage elements; determining, based on the sensor data, scene data identifying a geographic location of the vehicle; and generating, by at least one machine classifier, event interpretation data for each of the one or more damage elements, wherein the event interpretation data is based on the sensor data, the damage model, and the scene data.

“16. The non-transitory computer-readable medium of claim 15, wherein the damage model further indicates a point of impact for each of the one or more damage elements.

“17. The non-transitory computer-readable medium of claim 15, wherein the operations further comprise obtaining additional information regarding the geographic location, the additional information comprising at least one of a road type, an intersection type, a speed limit, a road condition, or weather information.

“18. The non-transitory computer-readable medium of claim 15, wherein: the sensor data comprises image data of the one or more damage elements; and the damage model is based on the image data.

“19. The non-transitory computer-readable medium of claim 15, wherein the event interpretation data comprises: a confidence metric comprising a likelihood of liability for the one or more damage elements, an indication of how the one or more damage elements occurred, and an indication of a party that is at fault.

“20. The non-transitory computer-readable medium of claim 15, wherein the operations further comprise: obtaining satellite image data for the geographic location; generating a scene rendering for the 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.”

URL and more information on this patent application, see: Carmichael, Ryan; Gore, Caleb Brian Slaughter; Harasymczuk, Rebecca; Walsh, Connor. Systems And Methods For System Generated Damage Analysis. U.S. Patent Application Number 20230410577, filed August 28, 2023 and posted December 21, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230410577)&db=US-PGPUB&type=ids

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