US 12,079,877 B2
Processing insured items holistically with mobile damage assessment and claims processing
Jennifer A. Brandmaier, Chicago, IL (US); Mark E. Faga, Evanston, IL (US); Robert H. Johnson, Hoffman Estates, IL (US); Daniel Koza, Hinsdale, IL (US); William Loo, Arlington Heights, IL (US); Clint J. Marlow, Barrington Hills, IL (US); and Kurt M. Stricker, Northfield, IL (US)
Assigned to Allstate Insurance Company, Northbrook, IL (US)
Filed by Allstate Insurance Company, Northbrook, IL (US)
Filed on Jul. 11, 2022, as Appl. No. 17/862,159.
Application 13/892,598 is a division of application No. 13/587,635, filed on Aug. 16, 2012, granted, now 10,430,885, issued on Oct. 1, 2019.
Application 17/862,159 is a continuation of application No. 17/008,079, filed on Aug. 31, 2020, granted, now 11,386,503.
Application 17/008,079 is a continuation of application No. 16/570,421, filed on Sep. 13, 2019, granted, now 10,803,532, issued on Oct. 13, 2020.
Application 16/570,421 is a continuation of application No. 13/892,598, filed on May 13, 2013, granted, now 10,430,886, issued on Oct. 1, 2019.
Prior Publication US 2022/0343435 A1, Oct. 27, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01); G06V 20/56 (2022.01)
CPC G06Q 40/08 (2013.01) [G06V 20/56 (2022.01)] 20 Claims
OG exemplary drawing
 
1. An enhanced claims processing server structured to perform server operations comprising:
receive, from a mobile device, a first plurality of images of a vehicle;
compare, via object recognition logic of the enhanced claims processing server and using one or more edge detection techniques, the first plurality of images of the vehicle to one or more reference images associated with the vehicle, to identify one or more damaged areas of the vehicle and for each of the one or more damaged areas, one or more damaged parts within the respective damaged areas;
generate, based at least in part on a cost associated with repair of the one or more damaged parts in a first damaged area and a cost associated with repair of the one or more damaged parts in a second damaged area a total damage estimate;
determine an interaction term for the first damaged area and the second damaged area, the interaction term representing a modified cost associated with collectively repairing the first damaged area and the second damaged area, and wherein the modified cost is increased when collectively repairing the first damaged area and the second damaged area is more complex or decreased when collectively repairing the first damaged area and the second damaged area includes overlapping repair procedures based on a predetermined damage template that correlates at least one of a damage type or a damage location for with the modified cost;
generate an effective total damage estimate based on the total damage estimate and the interaction term;
generate a user interface comprising a settlement generated based on the effective total damage estimate, wherein the settlement comprises at least a cash compensation based on the effective total damage estimate; and
send, to the mobile device, the user interface, wherein the user interface is displayable by a display of the mobile device.