US 11,836,806 B2
Insurance claim capitation and predictive payment modeling
Randall Hanson, Grayslake, IL (US); Robert H. Johnson, Hoffman Estates, IL (US); Kurt M. Stricker, Northfield, IL (US); and Clint J. Marlow, Barrington, IL (US)
Assigned to ALLSTATE INSURANCE COMPANY, Northbrook, IL (US)
Filed by Allstate Insurance Company, Northbrook, IL (US)
Filed on Nov. 1, 2021, as Appl. No. 17/516,403.
Application 17/516,403 is a continuation of application No. 16/430,961, filed on Jun. 4, 2019, granted, now 11,164,258.
Application 16/430,961 is a continuation of application No. 15/960,906, filed on Apr. 24, 2018, granted, now 10,360,638, issued on Jul. 23, 2019.
Application 15/960,906 is a continuation of application No. 15/489,071, filed on Apr. 17, 2017, granted, now 9,996,886, issued on Jun. 12, 2018.
Application 15/489,071 is a continuation of application No. 14/032,744, filed on Sep. 20, 2013, granted, now 9,659,331, issued on May 23, 2017.
Claims priority of provisional application 61/703,556, filed on Sep. 20, 2012.
Prior Publication US 2022/0058751 A1, Feb. 24, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/08 (2012.01); G06Q 10/20 (2023.01); G06Q 30/0283 (2023.01); G07C 5/00 (2006.01); G01S 19/13 (2010.01)
CPC G06Q 40/08 (2013.01) [G01S 19/13 (2013.01); G06Q 10/20 (2013.01); G06Q 30/0283 (2013.01); G07C 5/008 (2013.01)] 23 Claims
OG exemplary drawing
 
1. A method for efficiently using computing resources to process insurance claims, comprising:
receiving, via a communications network, vehicle data that comprises information about a vehicle and vehicle sensor data generated by a Global Positioning System (GPS) sensor associated with the vehicle;
determining, by a computing device connected to the communications network and based on a predictive payment model, a predicted future payment amount corresponding to a first claim for a customer, wherein the predictive payment model receives as input one or more loss attributes and at least one of the vehicle data and the vehicle sensor data;
predicting a customer type for the customer as either self-repair customer or turnkey customer; and
if the predicted customer type is turnkey customer, then:
sending, based on the predicted future payment amount, a first payment to a repair facility; and
receiving, from one or more repair facilities, repair data for one or more claims to repair an insured vehicle; or
if the predicted customer type is self-repair customer, then:
sending, based on the predicted future payment amount, a monetary payment to the customer.