| CPC G06Q 40/08 (2013.01) [G06F 3/0482 (2013.01); G06F 16/285 (2019.01); G06Q 10/087 (2013.01); G06Q 10/10 (2013.01); G06Q 20/108 (2013.01); G06Q 20/342 (2013.01); G06Q 30/0278 (2013.01)] | 21 Claims |
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1. A computer device for providing reimbursement controls, the computer device including at least one processor in communication with at least one memory device, the computer device configured to:
predict one or more item categories and associated values by applying a trained computing model to user data, the trained computing model being trained by at least one data selected from a group consisting of image data, personal possession data, claim data, and reimbursement data;
generate a plurality of predesignated policy levels for a user based at least in part upon the user data and the one or more predicted item categories and associated values, wherein the plurality of predesignated policy levels cover one or more insured item categories;
determine an actual reimbursement amount for each insured item category of the one or more item insured categories;
generate one or more reimbursement controls based on the actual reimbursement amount and the one or more insured item categories; and
program a payment device to include the one or more reimbursement controls for providing the actual reimbursement amount, wherein the one or more reimbursement controls include one or more rules that restrict the user to purchase one or more replacement items based upon the one or more insured item categories;
wherein to generate the plurality of predesignated policy levels includes to:
predict one or more values associated with one or more items owned by the user in each insured item category of the one or more item categories based at least in part upon the user data; and
generate the plurality of predesignated policy levels based at least in part upon the user data and the predicted one or more values of the one or more items owned by the user in each insured item category of the one or more item categories.
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