US 9,792,654 B1Granted

Insurance claim processing via streaming video

AssigneeUnited Services Automobile Association (USAA)

InventorsShanna Limas, Cleburne Burgess, Jon McEachron

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Abstract

Methods and systems are disclosed for processing insurance claims in a manner that reduces or eliminates a need for an adjuster to visit an insured person or property of the insured person. The method includes receiving a query from an insured regarding a claim and determining if the insured has a mobile device with a video camera capable of streaming video to the insurance claim processing system. If a mobile device capable of streaming video is available, the system generates an electronic invitation to a one-way streaming video session and transmits the electronic invitation to the mobile device. Upon acceptance, the system initiates the one-way video session, receives real-time streaming video, and appends received video from the real-time streaming video to a claim workfile. In alternative implementations, the system can remotely control the camera and other features of the mobile device during the one-way streaming video session.

Claims24

Dependent claims

A method for damage assessment comprising:

in a damage assessment system having a memory and a processor in communication with the memory, the processor:
receiving, from a mobile device associated with a policy holder, a query regarding a damage assessment from the policy holder located remotely from the damage assessment system for processing the damage assessment, the query further including mobile device capability information indicating the mobile device is capable of streaming video;
determining, in response to the information included in the query, whether the mobile device is capable of streaming video to the damage assessment system;
and
in response to determining the mobile device is capable of streaming video:
generating an electronic invitation to a one-way streaming video session, the electronic invitation including an interactive link for controlling the mobile device to initiate streaming video to the damage assessment system upon activation of the interactive link;
transmitting the electronic invitation to the mobile device;
upon receiving an acceptance of the electronic invitation based on activation of the interactive link, controlling the mobile device to initiate the one-way video session;
receiving, from the mobile device, real-time streaming video based on the initiation of the one-way video session, the real time streaming video containing embedded metadata;
decoding the embedded metadata;
and
appending received video and metadata from the real-time streaming video to a damage assessment workfile at the damage assessment system.

9 more elements

A damage assessment system for processing a damage assessment utilizing streaming video, the system comprising:

a memory storing processor executable instructions for processing damage assessments;
and
a processor in communication with the memory, the processor configured to execute the processor executable instructions to:
receive, from a mobile device associated with a policy holder, a query regarding an damage assessment from the policy holder located remotely from the damage assessment system for processing a damage assessment, the query further including mobile device capability information indicating the mobile device is capable of streaming video;
determine, in response to the information included in the query, whether the mobile device is capable of streaming video to the damage assessment system;
and
in response to determining the mobile device is capable of streaming video:
generate an electronic invitation to a one-way streaming video session, the electronic invitation including an interactive link for controlling the mobile device to initiate streaming video to the damage assessment system upon activation of the interactive link;
transmit the electronic invitation to the mobile device;
in response to receiving an acceptance of the electronic invitation based on activation of the interactive link, control the mobile device to initiate the one-way video session;
receive, from the mobile device, real-time streaming video based on the initiation of the one-way video session, the real time streaming video containing embedded metadata;
and
append received video and metadata from the real-time streaming video to a damage assessment workfile at the damage assessment system.

10 more elements

Dependencies are inferred from the claim text.