公开(公告)号：WO2022180230A1

公开(公告)日：2022-09-01

申请号：PCT/EP2022/054836

申请日：2022-02-25

Applicant: DETECTSYSTEM LAB A/S

Inventor： LOVMAND, Jan ,  TORP, Lars ,  HOLM, Rasmus Bækgård

IPC: G06Q10/10 ,  G06Q40/08

Abstract: There is a need for better identification of fraud in the insurance industry. This is achieved by providing a method comprising the steps: providing a digital channel through which a policy holder can file a claim request for an insurance pay-out, receiving a claim request (110) through said digital channel, the claim request (110) comprising a claim type (111) and at least one digital document (120), retrieve a list of tests (131 ) from a database (130) based on the claim type, analysing the metadata of said digital document using a processor executing the list of tests, the tests at least indicating whether the document metadata meets metadata parameters of the claim type of the claim request, optionally analysing whether document content corresponds with information filed with the claim assess (140) whether the claim request (110) is legitimate based on said executing the list of tests, transmit a signal indicative of the assessment, where the signal is one of a claim verification signal (161 ), a claim rejection signal (162) and a claim review signal (163). Provide a digital interrogation step on a review signal to resolve found anomalies.

公开(公告)号：WO2022101386A1

公开(公告)日：2022-05-19

申请号：PCT/EP2021/081475

申请日：2021-11-12

Applicant: DETECTSYSTEM LAB A/S

Inventor： LOVMAND, Jan ,  TORP, Lars ,  HOLM, Rasmus Bækgård

IPC: G06F21/64

Abstract: There is a need for better digital document authentication. This is achieved by a method of assessing the authenticity of a digital document by: - providing the digital document (170) for assessment, which document grants authority over a product or the rights of a person, the document having: - data (110) uniquely identifying and/or describing the product or person, the data being such as payment amount, payment date, transaction identity, social security number and/or vendor identity, and - a graphical verification element (120) identifying at least some of said data (110'), - extracting plaintext data (110') identified by the verification element (120), and - if the plaintext data (110') is not identical to data (110) otherwise comprised in the document (170), the document is marked as inauthentic and an alert signal is transmitted.

公开(公告)号：WO2022189482A2

公开(公告)日：2022-09-15

申请号：PCT/EP2022/055984

申请日：2022-03-09

Applicant: DETECTSYSTEM LAB A/S

Inventor： LOVMAND, Jan ,  TORP, Lars ,  HOLM, Rasmus Bækgård

IPC: G06V10/24 ,  G06Q40/00 ,  G06T7/00 ,  G06V10/32 ,  G06V10/36 ,  G06V10/56 ,  G06V10/74 ,  G06V20/30 ,  G06V10/86 ,  G06Q10/10 ,  G06Q40/08 ,  G06V10/242 ,  G06V10/761 ,  G06V2201/11

Abstract: The present invention provides a method for quantitatively rating the degree of similarity of images by using orientation, resizing of the digital image, pixilation of the digital image, creation of an image string suitable for generating a hit-score. In the generation of the image string color codes e.g. by the RGB system is used. The hit-score can be a percentage identity or homology between the image strings of the two digital images, said hit-score being the rating of the similarity between the two digital images. The invention also related to the use of the method in process of assessing insurance claims. Further the invention to the use of said method and for a computer program with instruction for carrying out the method.

公开(公告)号：WO2022101387A1

公开(公告)日：2022-05-19

申请号：PCT/EP2021/081478

申请日：2021-11-12

Applicant: DETECTSYSTEM LAB A/S

Inventor： LOVMAND, Jan ,  TORP, Lars ,  HOLM, Rasmus Bækgård

IPC: G06F21/88 ,  G06Q10/08

Abstract: Insurance fraud utilising a free return period is a growing problem within the insurance industry. This is alleviated by providing a method (100) of verifying ownership of a product comprising the steps: - in response to a transaction event (1) in which a purchaser acquires the rights to the product being a goods or a service, generate a transaction identifier (110) that uniquely identifies the transaction event (1) based on transaction data (111), the transaction identifier (110) further having a status parameter (130) indicating purchaser ownership of the product, and - transmitting the transaction identifier (110) to a database (120), - in response to receiving a first status request signal (2) comprising transaction data (111) from a first requester system (20), identify the transaction identifier (110) in the database, then transmitting a verification signal indicating purchaser ownership of the product to the first requester system (20), then changing the status parameter (130) in the database to indicate purchaser non-ownership, and - in response to receiving subsequent status request signals (3) comprising transaction data (111) from a subsequent requester system (30), the request relating to consumption of the ownership of the product, identify the transaction identifier (110) in the database, then transmitting an alert signal (140) indicating that the status parameter indicates a purchaser non-ownership or non-possession incompatible with the request as well as potential fraud to either of the requester systems (20, 30).

公开(公告)号：WO2022101383A1

公开(公告)日：2022-05-19

申请号：PCT/EP2021/081471

申请日：2021-11-12

Applicant: DETECTSYSTEM LAB A/S

Inventor： LOVMAND, Jan ,  TORP, Lars ,  HOLM, Rasmus Bækgård

IPC: G06F21/60 ,  G06F16/215

Abstract: Reuse of documents to attain fraudulent insurance pay-outs is an increasing global problem. This is alleviated by providing a method (100) of verifying the uniqueness of a digital document by: - identifying and extracting data elements (110) of the document (1), - assigning the document with a document type (120) based on the presence of at least one keyword data element (121) among extracted data elements, - generating a document identifier (130) based on type data (122) being a predetermined plurality of the extracted data elements (110) specific to said document type (120) using an identifier generator algorithm (182), - comparing the generated document identifier (130) with a list (140) of document identifiers (130') stored in a database (180), where - if the generated document identifier (130) matches a document identifier (130') in the list, the document (1) is marked as a duplicate document and an alert signal is transmitted.