公开(公告)号：US11373249B1

公开(公告)日：2022-06-28

申请号：US16136357

申请日：2018-09-20

申请人： State Farm Mutual Automobile Insurance Company

发明人： Gregory L Hayward ,  Meghan Sims Goldfarb ,  Nicholas U. Christopulos ,  Erik Donahue

IPC分类号： G06Q40/08 ,  G06N3/08 ,  G06V20/00 ,  G06V30/194

摘要： A method of determining damage to property includes inputting historical data into a machine learning model to identify an insured type, features, and/or characteristics. The method may include identifying a peril, repair and/or replacement cost of the vehicle by analyzing a digital image from a device of an insured, the digital image depicting damage to the vehicle. The method may include inputting the digital image into the trained machine learning model to identify a type, feature, and/or characteristic of the vehicle, and may include identifying a peril, repair, and/or replacement cost associated with the vehicle. A method may include receiving and/or retrieving free-form text associated with an insurance claim and/or a vehicle, identifying at least one key word composing the free-form text, and determining based on the at least one key word a cause of loss and/or peril that caused damage to the vehicle.

公开(公告)号：US20210287297A1

公开(公告)日：2021-09-16

申请号：US16136401

申请日：2018-09-20

申请人： State Farm Mutual Automobile Insurance Company

发明人： Gregory L Hayward ,  Meghan Sims Goldfarb ,  Nicholas U. Christopulos ,  Erik Donahue

IPC分类号： G06Q40/08 ,  G06N3/08

摘要： A method of determining loss reserves and/or providing automatic financial reporting related thereto via one or more processors includes (1) receiving a plurality of historical electronic claim documents, each respectively labeled with a claim loss amount; (2) normalizing each respective claim loss amount and training an artificial intelligence or machine learning algorithm, module, or model, such as an artificial neural network, by applying the plurality of electronic claim documents to the artificial intelligence or machine learning algorithm, module, or model. The method may include receiving a user claim and predicting a loss reserve amount by applying the user claim to the trained artificial intelligence or machine learning algorithm, module, or model, and may include unreported claims.

公开(公告)号：US11783422B1

公开(公告)日：2023-10-10

申请号：US16136387

申请日：2018-09-20

申请人： State Farm Mutual Automobile Insurance Company

发明人： Gregory L Hayward ,  Meghan Sims Goldfarb ,  Nicholas U. Christopulos ,  Erik Donahue

IPC分类号： G06Q40/08 ,  G06Q10/10 ,  G06N3/08 ,  G06N20/00

CPC分类号： G06Q40/08 ,  G06N3/08 ,  G06N20/00 ,  G06Q10/10

摘要： Techniques for implementing machine learning to improve claim handling are disclosed. In some scenarios, the machine-learning, analytics model may be trained in accordance with data that is relevant to insurance products, such as life and health insurance. A set of labeled historical claims each corresponding to a settlement amount may be analyzed to train an artificial neural network. A claim may be received from a user mobile device, and may be analyzed using the trained artificial neural network to predict a claim settlement, which may be used to generate a settlement offer. The settlement offer may be transmitted to the user's mobile device, and if a manifestation of acceptance is received from the user, then the claim may be automatically paid.