2022 FEB 21 (NewsRx) — By a Account Reporter-Staff Account Editor at Allowance Daily Account — From Washington, D.C., NewsRx journalists address that a apparent appliance by the inventors Faga, Mark E. (Evanston, IL, US); Johnson, Robert H. (Hoffman Estates, IL, US); Marlow, Clint J. (Barrington, IL, US); Stricker, Kurt M. (Northfield, IL, US), filed on March 15, 2013, was fabricated accessible online on February 3, 2022.
The patent’s abettor is Allstate Allowance Company (Northbrook, Illinois, United States).
News editors acquired the afterward adduce from the accomplishments admonition supplied by the inventors: “Conventional allowance claims processing is a circuitous action that starts with a aboriginal notification of accident accompanying to an insured item. Upon notification of loss, the affirmation may be baffled to assorted claims adjusters that assay altered aspects of the accident associated with the insured account in acclimation to actuate whether advantage for the accident is appropriate.
“In general, accepted claims acclimation can absorb paperwork processing, blast calls, and potentially contiguous affairs amid appellant and adjuster. In addition, a cogent bulk of time can expire amid a aboriginal apprehension of accident from the appellant and the final acclimation of the claim.
“In addition, while consumers may booty advantage of accepted claims processing to actuate if they will accept any advantage for accident associated with an item, consumers accept commonly had actual few options for accepting admonition associated with accident above-mentioned to acquiescence of an allowance claim.”
As a supplement to the accomplishments admonition on this apparent application, NewsRx correspondents additionally acquired the inventors’ arbitrary admonition for this apparent application: “The afterward presents a simplified arbitrary of the present acknowledgment in acclimation to accommodate a basal compassionate of some aspects of the disclosure. This arbitrary is not an all-encompassing overview of the disclosure. It is not advised to assay key or analytical elements of the acknowledgment or to abut the ambit of the disclosure. The afterward arbitrary alone presents some concepts of the acknowledgment in a simplified anatomy as a commencement to the added abundant description provided below.
“Aspects of the acknowledgment absorb a automatic and able action for claims administration and acknowledge methods, computer-readable media, and apparatuses for automating the processing and clearing of claims accompanying to an insured item. A adaptable accessory may address abstracts (e.g., images, video, etc.) accompanying to accident associated with an insured account to an added claims processing server. The added claims processing server may administer assay of accident associated with the insured account and acclimation of a affirmation accompanying to the damage.
“In addition aspect of the disclosure, an added claims processing server may assay accident abstracts accustomed from a adaptable accessory to accomplish a acclimation bulk appraisal for acclimation the insured item.
“In addition aspect of the disclosure, an added claims processing server may accept accident abstracts associated with accident to an insured item, above-mentioned to acquiescence of a affirmation for the damage. This abstracts may be analyzed forth with added abstracts accompanying to agreement of an allowance action that insures the insured account to accommodate admonition to allowance consumers on the all-embracing budgetary appraisal of appointment an allowance affirmation for accident to the insured item.
“In addition aspect of the disclosure, a user accessory may be acclimated as a aperture that enables a third affair article such as a acclimation bureau to appearance and apprentice added about accident associated with an insured account while the accident is still actuality adjourned through a claims acclimation process.
“Further aspects of the acknowledgment may be provided in a computer-readable average accepting computer-executable instructions that, back executed, account a computer, user terminal, or added accoutrement to at atomic accomplish one or added of the processes declared herein.”
The claims supplied by the inventors are:
“1. A adjustment comprising: transmitting, by an added claims processing server and to a user accretion device, an Internet articulation to a web armpit announcement one or added images; receiving, from the user accretion accessory and acknowledging to transmitting the Internet link, abstracts accompanying to accident of an insured item, wherein the abstracts comprises a aboriginal angel depicting the accident of the insured account and wherein the abstracts is allotment of an allowance claim; free a blazon of allowance affirmation associated with the aboriginal image; acknowledging to free that the blazon of allowance affirmation is not afar from an automatic processing system, applying, by the added claims processing server, an automatic accident appraisal action to the image, the automatic accident appraisal action comprising: transmitting, in real-time and to a third affair entity, the abstracts accompanying to the accident of the insured item; free a damaged allocation of the insured item, comprising: breeding a grayscale adaptation of the aboriginal image; applying a becloud clarify to the grayscale adaptation of the aboriginal image; and free the damaged allocation of the insured account from the grayscale adaptation of the aboriginal angel with the becloud clarify activated thereto, absolute active an bend apprehension algorithm on a allocation of the grayscale adaptation of the aboriginal angel articular by the becloud filter; breeding a aboriginal accident appraisal based on an assay of one or added characteristics of the damaged portion; retrieving, from a database autumn actual accident appraisal data, a added set of images; selecting, from the added set of images and appliance an article acceptance algorithm, a set of advertence images depicting accident accompanying to the damaged allocation depicted in the aboriginal image; transmitting, to the user accretion device, the set of advertence images; receiving, from the user accretion device, a user-selected advertence angel from the set of advertence images; retrieving, from the database, a accident arrangement associated with the user-selected advertence image, wherein the accident arrangement comprises accident appraisal abstracts associated with the damage; and breeding a added accident appraisal based on the aboriginal accident appraisal and the accident appraisal abstracts from the accident template; accepting a bulk appraisal for acclimation the accident to the insured account from the third affair entity; free a final appraisal based on the added accident appraisal and the bulk estimate; and transmitting the final appraisal to the user accretion device.
“2. The adjustment of affirmation 1, added comprising: accepting a appeal for added abstracts accompanying to the accident of the insured account from the third affair entity.
“3. The adjustment of affirmation 2, added comprising: transmitting the appeal to the user accretion device.
“4. The adjustment of affirmation 3, added comprising: accepting the added abstracts from the user accretion device.
“5. The adjustment of affirmation 4, added comprising: transmitting the added abstracts to the third affair entity.
“6. The adjustment of affirmation 1, wherein the insured account comprises a vehicle.
“7. The adjustment of affirmation 1, wherein the third affair article comprises a acclimation shop.
“8. The adjustment of affirmation 1, added comprising: receiving, from the third affair entity, admonition apropos a action to acclimation the accident to the insured item.
“9. The adjustment of affirmation 1, added comprising: transmitting the abstracts accompanying to the accident of the insured account to an added third affair entity; and accepting a third bulk appraisal for acclimation the accident to the insured account from the added third affair entity.
“10. The adjustment of affirmation 1, wherein the abstracts added includes video accompanying to the accident to the insured item.
“11. The adjustment of affirmation 1, wherein the third affair article is a adopted accomplice of an article managing the added claims processing server.
“12. The adjustment of affirmation 1, wherein the free the final appraisal comprises adjusting the added accident appraisal based on the bulk estimate.
“13. The adjustment of affirmation 1, added comprising: based on the added accident appraisal and the bulk estimate, determining, at the added claims processor, a projected acclimation bulk for clearing the allowance claim.
“14. The adjustment of affirmation 1, added comprising: transmitting the abstracts accompanying to the insured account to a authoritative agency.
“15. A arrangement comprising: an insured item, wherein the insured account comprises at atomic one damaged portion; a server configured to: transmit, to a user accretion device, an Internet articulation to a web armpit announcement one or added images; receive, from the user accretion accessory and acknowledging to transmitting the Internet link, a aboriginal angel depicting the at atomic one damaged allocation of the insured item; actuate a blazon of allowance affirmation associated with the aboriginal image; acknowledging to free that the blazon of allowance affirmation is not afar from an automatic processing system, administer an automatic accident appraisal action to the image, the automatic accident appraisal action comprising: transmitting, in real-time, the aboriginal angel to a third affair entity; identifying, aural the aboriginal image, the at atomic one damaged allocation of the insured item, comprising: breeding a grayscale adaptation of the aboriginal image; applying a becloud clarify to the grayscale adaptation of the aboriginal image; and free the at atomic one damaged allocation of the insured account from the grayscale adaptation of the aboriginal angel with the becloud clarify activated thereto, absolute active an bend apprehension algorithm on a allocation of the grayscale adaptation of the aboriginal angel articular by the becloud filter; breeding a aboriginal accident appraisal based on an assay of one or added characteristics of at atomic one damaged portion; retrieving, from a database autumn actual accident appraisal data, a added set of images; selecting, from the added set of images and appliance an article acceptance algorithm, a set of advertence images depicting accident accompanying to the at atomic one damaged allocation of the insured item; transmitting, to the user accretion device, the set of advertence images; receiving, from the user accretion device, a user-selected advertence angel from the set of advertence images; retrieving, from the database, a accident arrangement associated with the user-selected advertence image, wherein the accident arrangement comprises accident appraisal abstracts associated with the damage; and breeding a added accident appraisal based on the aboriginal accident appraisal and the accident appraisal abstracts in the accident template; receiving, from the third affair entity, a bulk appraisal for acclimation the at atomic one damaged allocation of the insured item; free a final accident appraisal based on the added accident appraisal and the bulk estimate; and transmitting the final accident appraisal to the user accretion device.
“16. The arrangement of affirmation 15, wherein the server is added configured to: accomplish a acclimation bulk for clearing an allowance affirmation for the insured account based on the final accident estimate.
“17. The arrangement of affirmation 15, wherein the insured account comprises a vehicle.
“18. The arrangement of affirmation 16, wherein the acclimation bulk is added based on the bulk estimate.
“19. An accoutrement comprising: a processor; and a anamnesis autumn computer-readable instructions that, back accomplished by the processor, account the accoutrement at atomic to: transmit, to a user accretion device, an Internet articulation to a web armpit announcement one or added images; receive, from the user accretion accessory and acknowledging to transmitting the Internet link, a aboriginal angel depicting accident to an insured vehicle; actuate a blazon of allowance affirmation associated with the aboriginal image; and acknowledging to free that the blazon of allowance affirmation is not afar from an automatic processing system, administer an automatic accident appraisal action to the image, the automatic accident appraisal action comprising: transmitting the aboriginal angel to a acclimation boutique in real-time as the aboriginal angel is received; identifying, aural the aboriginal image, at atomic one damaged allocation of the insured vehicle, comprising: breeding a grayscale adaptation of the aboriginal image; applying a becloud clarify to the grayscale adaptation of the aboriginal image; and free the damaged allocation of the insured account from the grayscale adaptation of the aboriginal angel with the becloud clarify activated thereto, absolute active an bend apprehension algorithm on a allocation of the grayscale adaptation of the aboriginal angel articular by the becloud filter; breeding a aboriginal accident appraisal based on an assay of one or added characteristics of the at atomic one damaged portion; retrieving, from a database autumn actual accident appraisal data, a set of advertence images; selecting, from the set of advertence images and appliance an article acceptance algorithm, a added set of images depicting aboriginal accident accompanying to the accident of the insured vehicle; transmitting, to the user accretion device, the set of advertence images; receiving, from the user accretion device, a user-selected advertence angel from the set of advertence images; retrieving, from the database, a accident arrangement associated with the user-selected advertence image, wherein the accident arrangement comprises accident appraisal abstracts associated with the aboriginal damage; free a added accident appraisal based on the aboriginal accident appraisal and the accident appraisal abstracts in the accident template; receiving, from the acclimation shop, a bulk appraisal associated with acclimation the accident to the insured vehicle; comparing the bulk appraisal with the added accident appraisal to actuate a final bulk appraisal for acclimation the accident to the insured vehicle; and transmitting the final bulk appraisal to the user accretion device.
“20. The accoutrement of affirmation 19, wherein user accretion accessory is associated with a user of the insured vehicle.”
There are added claims. Please appointment abounding apparent to apprehend further.
For added admonition on this apparent application, see: Faga, Mark E.; Johnson, Robert H.; Marlow, Clint J.; Stricker, Kurt M. User Devices In Claims Accident Estimation. Filed March 15, 2013 and acquaint February 3, 2022. Apparent URL: https://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PG01&p=1&u=/netahtml/PTO/srchnum.html&r=1&f=G&l=50&s1=”20220036463″.PGNR.&OS=DN/20220036463&RS=DN/20220036463
(Our letters bear fact-based account of analysis and discoveries from about the world.)
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