Multivariate AI Smart Cards for Faster, More Accurate Claims
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Solution Overview
Problem
Current systems for customer interactions requiring complex decision-making, such as those involving customer service representatives or mobile applications, face challenges like long wait times, poor service quality, and user confusion, leading to inaccurate data entry and economic errors.
Innovation Solution
The implementation of multivariate Artificial Intelligence (AI) smart cards that enhance the speed and accuracy of initial inputs and leverage multi-tiered AI analysis to automatically process inputs, generate accurate and timely results, and reduce human intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If human Customer Service Representatives are used for complex decision-making, then service quality is improved, but wait times increase and costs increase
Solution Approach 1:
The patent segments the customer service system into multiple intelligent agents, each specialized in handling specific types of decisions or queries. This segmentation allows parallel processing of multiple customer interactions simultaneously, reducing wait times while maintaining service quality through specialized expertise in each agent.
Solution Approach 2:
The patent introduces an intermediary intelligent agent system that mediates between customers and human representatives. This intermediary layer handles routine and complex decisions autonomously using AI algorithms, filtering and preprocessing customer queries before escalating to human agents only when necessary, thereby reducing overall wait times and operational costs.
2Loss of time
If mobile applications are used to reduce wait times, then wait times decrease, but user confusion increases leading to inaccurate data entry
Solution Approach 1:
The patent implements self-service functionality where the intelligent agent system automatically guides customers through the decision-making process without requiring them to navigate complex menus or answer numerous questions. The system autonomously collects necessary information, processes it, and generates decisions, eliminating user confusion and data entry errors while maintaining reduced wait times.
Solution Approach 2:
The patent replaces the mechanical interaction model of mobile applications (where users manually navigate menus and input data) with an automated information exchange system. The intelligent agents directly communicate with customer devices, automatically gathering required data through structured protocols rather than requiring manual user input, thereby eliminating data entry inaccuracies.
3Measurement precision
If more data is collected for complex decision-making, then decision accuracy is improved, but processing time increases
Solution Approach 1:
The patent implements preliminary action by pre-processing and organizing customer data before the actual decision-making process. Intelligent agents perform initial data validation, categorization, and filtering in advance, structuring information in ways that facilitate rapid analysis. This preliminary preparation enables comprehensive data utilization without proportionally increasing processing time during the critical decision phase.
Solution Approach 2:
The patent applies dynamics by implementing adaptive data collection and processing strategies. The intelligent agent system dynamically adjusts the amount and type of data collected based on the specific query, customer history, and decision complexity. For routine decisions, minimal data is processed quickly; for complex decisions, additional data is gathered with appropriate computational resources allocated, optimizing the balance between accuracy and processing time.
Data Source
AI summary
Systems and methods for multivariate Artificial Intelligence (AI) smart cards are provided. An AI smart card may include, for example, pre-stored policy data that may be utilized as a portion of multivariate input by a suite of AI modules to formulate and analyze a claim of loss.