Feedback loop in mobile damage assessment and claims processing

US10685400B1 · kind B1 · utility

Assignee

• Allstate Insurance Company · US

Inventors

• Jennifer A. Brandmaier · Chicago, US
• Mark E. Faga · Evanston, US
• Robert H. Johnson · Hoffman Estates, US
• Daniel Koza · Hinsdale, US
• William Loo · Arlington Heights, US
• Clint J. Marlow · Barrington, US
• Kurt M. Stricker · Northfield, US

Key dates

• Filing date: Jul 2, 2013
• Grant date: Jun 16, 2020
• Expiry date: Jul 2, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/08
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.