- 专利标题: Processing insured items holistically with mobile damage assessment and claims processing
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申请号: US17862159申请日: 2022-07-11
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公开(公告)号: US12079877B2公开(公告)日: 2024-09-03
- 发明人: Jennifer A. Brandmaier , Mark E. Faga , Robert H. Johnson , Daniel Koza , William Loo , Clint J. Marlow , Kurt M. Stricker
- 申请人: Allstate Insurance Company
- 申请人地址: US IL Northbrook
- 专利权人: Allstate Insurance Company
- 当前专利权人: Allstate Insurance Company
- 当前专利权人地址: US IL Northbrook
- 代理机构: Akerman LLP
- 分案原申请号: US13587635 2012.08.16
- 主分类号: G06Q40/08
- IPC分类号: G06Q40/08 ; G06V20/56
摘要:
Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.
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