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US 11,443,385 B1Granted
Method for using electronic metadata to verify insurance claims
AssigneeState Farm Mutual Automobile Insurance Company
InventorsThomas A. McCall, William D. Bryant, John W. S. Riney, Christopher E. Gay
Life of this patent
Estimating the term…
Abstract
A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.
Claims16
A computer implemented method for processing a digital media file, the method comprising:
- specifying, by a server, a physical token associated with a customer upon receiving a request via network communications with a computing device, the request being associated with a purchase or cancellation of an insurance policy;
- responsive to the specifying, receiving, at the server, (i) a digital photograph file from the computing device that is representative of an image of an insurance-related subject, and (ii) an image of the physical token;
- extracting, by the server, metadata embedded in the digital photograph file;
- analyzing, by the server, the extracted metadata to determine that the digital photograph file has an image resolution exceeding a minimum resolution;
- determining, by the server, a date that the digital photograph file was captured based upon the extracted metadata;
- performing, by the server, an automated image recognition process that includes using optical character recognition (OCR) to detect a presence of the physical token in the image of the insurance-related subject;
- verifying, by the server, the digital photograph file when it is determined that (i) the digital photograph file was captured within a predetermined date range, and (ii) the presence of the physical token is detected by the automated image recognition process;
- and
- in response to the verification of the digital photograph file and the analysis of the extracted metadata, accepting, by the server, the digital photograph file.
6 more elements
A computer implemented method of validating a digital photograph, the method comprising:
- specifying, by a server, a physical token that is required to appear in a digital photograph of an insurance-related subject in response to a request to purchase or cancel an insurance policy;
- responsive to the specifying, receiving, by the server, the digital photograph of the insurance-related subject from a computing device;
- analyzing, by the server, embedded metadata of the digital photograph to determine that the digital photograph has an image resolution exceeding a minimum resolution;
- performing, by the server, an automated image recognition process, including use of optical character recognition (OCR), on the digital photograph to detect a presence of the physical token in the digital photograph of the insurance-related subject;
- and
- responsive to the verification of the digital photograph and the analysis of the embedded metadata, accepting the digital photograph.
3 more elements
A computer system comprising:
- one or more computer processors for executing computer instructions, and
- a non-transitory tangible computer-readable medium storing the computer instructions thereon, which, when executed by the one or more processors, cause the one or more processors to:
- receive a request via communications with a computing device, the request being associated with a purchase or cancellation of an insurance policy;
- subsequent to receiving the request, receive a digital photograph file from the computing device including a date specified in metadata embedded in the digital photograph file;
- extract the embedded metadata from the digital photograph file;
- analyze the extracted metadata of the digital photograph file to determine an image resolution of an image associated with the digital photograph file;
- determine the date when the digital photograph file was captured based upon the embedded metadata;
- perform an automated image recognition process that includes using optical character recognition (OCR) to detect a presence of the physical token in the image;
- and
- accept the digital photograph file if (i) the date that the digital photograph file was captured is within a predetermined range (ii) the image resolution exceeds a minimum resolution, and (iii) the presence of the physical token is detected in the image.
7 more elements
Dependencies are inferred from the claim text.