Dynamic prediction system for auto insurance claims process

Abstract

This disclosure provides a tree diagram by comparing the attributes of current auto insurance claims with similar past cases, offering a helpful reference for customers. Customers can also use the information on the tree diagram to identify missing documents and accurately submit them. The timeline shown on the tree diagram also indicates the current stage of the claim and the estimated timeframe. This transparent approach not only prevents customers from becoming anxious due to uncertainty but also helps them accurately provide the required documents, leading to faster claims processing.

Claims

1. A dynamic prediction system for auto insurance claims process, comprising: Storage, storing multiple modules; and a processor, coupled to the storage, and configured to: execute an authentication module to verify the identity of the logged-in user; Based on the identity, the system retrieves and presents a tree diagram of the current auto insurance claim, which includes multiple event nodes; and in response to receiving a file, it determines the validity of the file and executes a similar case comparison module to update the time prediction of at least one of the event nodes in the tree diagram.

2. The dynamic prediction system for auto insurance claims process as described in claim 1, wherein the processor is further configured to: determine the accident status based on accident images and / or accident text; determine the validity of the insurance policy based on the identity of the logged-in user and the time of the accident; and execute the similar case comparison module to draw the tree diagram based on the accident status, the validity of the insurance policy, and historical cases.

3. The dynamic prediction system for the auto insurance claims process as described in claim 2, wherein the processor is further configured to: delete redundant nodes from the tree diagram that do not belong to the accident state based on a time factor; and delete redundant time-consuming data from the tree diagram based on the time factor, wherein the time factor is related to the date of occurrence and the date of acceptance of the accident.

4. The dynamic prediction system for the auto insurance claims process as described in claim 1, wherein the tree diagram includes multiple parallel nodes and a convergence node, wherein the expected time of the convergence node is related to multiple parallel expected times of the parallel nodes.

5. The dynamic prediction system for the auto insurance claims process as described in claim 1, wherein the processor is further configured to: adjust the question and answer set according to the tree diagram; and prompt for supplementary documents according to the tree diagram, wherein the supplementary documents include a shortened timeline prediction.

6. The vehicle insurance claims process dynamic prediction system as described in claim 1, wherein the processor is further configured to: collect multiple sample cases, each of the sample cases including a time tag, wherein the time tag includes the time of the accident and the time of claim processing; adjust the tree diagram of the sample cases based on the time tag; and train the similar case comparison module based on the tree diagrams of the sample cases.

7. The dynamic prediction system for the auto insurance claims process as described in claim 6, wherein the processor is further configured to: update the similar case comparison module based on the current auto insurance claim in response to the current auto insurance claim settlement.

8. The dynamic prediction system for the auto insurance claims process as described in claim 6, wherein the processor is further configured to: obtain multiple target sample cases based on multiple similarities between the current auto insurance claim and the sample cases; and adjust the similarity case comparison module based on the target sample cases.

9. The dynamic prediction system for the auto insurance claims process as described in claim 1, wherein the processor is further configured to: execute an anti-counterfeiting module to determine the validity of the document based on the format in the document and verify the association between the relevant personnel in the document and the corresponding authority in the document.

10. The dynamic prediction system for the auto insurance claims process as described in claim 1, wherein the processor is further configured to: in response to the document not being valid, send a request for additional documents to the logged-in user, wherein the request for additional documents includes the requirement for an original document and the reason for non-compliance.

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