Augmented Reality Insurance Visual Trigger Overlay
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Solution Overview
Problem
Current augmented reality technologies do not effectively enhance user interactions with insurance services, such as quoting, purchasing, and claims processing, limiting their ability to provide immersive and interactive experiences for customers and insurers.
Innovation Solution
A system comprising a mobile device with a digital camera, tracking hardware, and input hardware, which captures live views of insured documents, property, and vehicles, and overlays interactive content using insurance visual trigger hardware and analytics, enabling applications for office location, insurance quotes, marketing enhancement, document explanation, and claims adjustment.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If current augmented reality technologies are used for insurance services, then some interactive capability is provided, but the user interaction effectiveness and immersion level remain insufficient
Solution Approach 1:
The system segments insurance services into multiple interactive modules including quote generation, policy purchase, claims filing, and document explanation. Each module is delivered through targeted augmented reality overlays triggered by specific visual identifiers (e.g., insurance forms, documents, property), enabling focused interactive experiences for each insurance task rather than a generic AR interface.
Solution Approach 2:
The patent introduces mobile devices (smartphones, tablets) as intermediary tools that capture images of insurance-related visual identifiers and deliver augmented reality content. This intermediary approach bridges the gap between physical insurance materials and digital interactive experiences, enhancing user engagement while maintaining reliability through the mediating device's processing capabilities.
2Productivity
If traditional insurance service delivery methods are used, then service coverage is maintained, but customer service efficiency and self-service capability are limited
Solution Approach 1:
The system enables self-service through augmented reality by allowing customers to independently interact with insurance services using their mobile devices. Customers can capture images of insurance forms or documents, receive instant quote overlays, understand policy terms through interactive AR explanations, and file claims by photographing damaged property. This eliminates the need for agent intervention for routine tasks, significantly improving productivity and self-service capability simultaneously.
Solution Approach 2:
The patent creates a universal AR platform that handles multiple insurance functions through a single interface. The same mobile device and AR application can generate quotes, explain policies, process claims, and provide document translations across different insurance types (auto, home, business). This multi-functional approach increases service efficiency while adapting to diverse customer needs and self-service scenarios.
3Adaptability or versatility
If comprehensive insurance applications are provided through augmented reality, then service functionality is enhanced, but system complexity increases
Solution Approach 1:
The system extracts and isolates specific visual identifiers (insurance forms, documents, property images) as trigger points for augmented reality content delivery. Rather than requiring a complex comprehensive AR system, the patent extracts key visual elements that customers naturally encounter during insurance interactions and uses these as simple triggers for delivering specific insurance services, reducing system complexity while maintaining comprehensive functionality.
Solution Approach 2:
The patent implements preliminary action by pre-programming the AR system with insurance-related visual identifiers and their corresponding interactive content. Insurance forms, documents, and property types are pre-configured with associated AR experiences (quotes, policy explanations, claims processes). This preliminary setup allows the system to deliver comprehensive insurance functionality through simple image capture actions by customers, avoiding the need for complex real-time system configuration.
Data Source
AI summary
Software, hardware, and/or combinations thereof are provided for facilitating augmented reality presentations, which dynamically augment or enhance (images or live video of) the real world with computer-generated data (e.g., graphics of virtual objects) to facilitate insurance applications. Through the use of a mobile device (e.g., phone, tablet, and eyewear), augmented reality applications are engineered to allow an insurer to enhance the experiences of customers and prospects across sales, service, and claims.