US 12,664,594 B1Granted

System and method for facilitating direct settlement negotiations between injury claimants and insurance companies

OwnerWayne Allan Miller, Bruce Wayne Millerinventors

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Abstract

A system and method are disclosed for facilitating direct settlement negotiations between injury claimants and insurance companies via a mobile application. The system verifies whether a claimant has legal representation, collects personal and incident information, and transmits the data to the appropriate insurance company. The system optionally uses an artificial intelligence (AI) module to analyze claimant data, sensor-derived injury evidence, and supporting documents to generate a settlement valuation score. Based on the score, the system triggers a settlement workflow, such as issuing a settlement offer within a predetermined range or initiating an investigation into prior injuries. Claimants may digitally execute liability release agreements upon accepting settlement offers. The system improves efficiency by reducing attorney involvement, accelerating settlement timelines, and lowering administrative burdens for insurers. Sensor integration enables enhanced injury validation, while AI-assisted valuation ensures dynamic and data-driven settlement handling.

Claims9

Dependent claims

A computer-implemented method for facilitating direct settlement negotiations between a claimant and an insurance company, comprising:

executing, on a claimant computing device comprising at least one processor, memory, and a display, a mobile application configured to receive input from the claimant;
receiving, via the mobile application, claimant information and accident data;
verifying, via the mobile application, that the claimant is not represented by legal counsel;
transmitting the claimant information and accident data from the claimant computing device to an insurance company server via a secure network connection;
generating, via an artificial intelligence module executed by the insurance company server, a settlement valuation based on the received claimant information and accident data;
triggering, based on the settlement valuation, one or more settlement workflows including issuing a settlement offer or initiating a prior injury investigation;
receiving, via a thermography sensor operatively coupled to the claimant computing device, thermographic image data indicative of temperature variations in a region of a body of a clamant;
processing, via an onboard image analysis module, the thermographic image data to identify hot and cold zones indicative of inflammation or injury severity;
integrating, via the artificial intelligence module, the processed thermographic injury data into a settlement valuation calculation;
generating, via the claimant computing device, a chatbot interface comprising a natural language input section and a chatbot response section, the chatbot interface configured to simulate human conversation with the claimant;
generating, via the chatbot interface, a structured result table based on claimant data, accident attributes, injury severity, and settlement workflow status;
displaying, via the chatbot response section on the claimant computing device display, the result table in response to a natural language query entered in the chatbot input section;
and
executing, via the mobile application, a digital signature interface that enables the claimant to accept a settlement offer and execute a liability release agreement electronically;
wherein processing the thermographic image data comprises:
converting, via the image analysis module, pixel intensity values of the thermographic image to corresponding temperature values using calibration data;
segmenting the thermographic image into predefined anatomical regions using computer vision algorithms;
computing a temperature gradient matrix across the segmented anatomical regions;
and
classifying at least one anatomical region as inflamed based on a comparison of the computed temperature values or gradients to a threshold or a machine learning model trained on historical injury data.

17 more elements

A system for facilitating direct settlement negotiations between a claimant and an insurance company, the system comprising:

a claimant computing device comprising at least one processor, a memory, a display, and a thermography sensor;
a mobile application stored in the memory and executable by the processor of the claimant computing device, the mobile application configured to:
receive claimant information and accident data;
verify, based on received input, that the claimant is not represented by legal counsel;
transmit the claimant information and accident data to an insurance company server over a secure network connection;
provide a chatbot interface, the chatbot interface comprising a natural language input section and a chatbot response section;
generate a structured result table comprising at least claimant data, accident attributes, injury severity, and settlement workflow status;
display the structured result table via the chatbot response section in response to a natural language query entered via the natural language input section;
receive thermographic image data captured by the thermography sensor;
and
provide a digital signature interface configured to allow the claimant to electronically execute a liability release agreement upon acceptance of a settlement offer;
an image analysis module stored in the memory and executable by the processor of the claimant computing device, the image analysis module configured to:
convert pixel intensity values of the thermographic image data into corresponding temperature values using calibration data;
segment the thermographic image data into predefined anatomical regions using computer vision algorithms;
compute a temperature gradient matrix across the segmented anatomical regions;
and
classify at least one anatomical region as inflamed based on a comparison of the temperature values or gradients to at least one of a threshold value or a machine learning model trained on historical injury data;
and
an artificial intelligence module hosted on the insurance company server, the artificial intelligence module configured to:
generate a settlement valuation based on the claimant information, the accident data, and the classified thermographic injury data;
and trigger, based on the settlement valuation, one or more settlement workflows including issuance of a settlement offer or initiation of a prior injury investigation.

18 more elements

Dependencies are inferred from the claim text.