Drone-Based Insurance Claim Processing with Automated Damage Assessment
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The existing insurance claim settlement process is laborious and prone to errors due to manual data collection and processing, especially in extreme weather conditions, and current drone technologies face challenges in efficiently collecting and processing data for houses of varying shapes and sizes.
Innovation Solution
A method and apparatus that utilize a drone with an automatic flight algorithm integrated into a mobile phone application, allowing for efficient data collection and processing, which adjusts flight trajectories based on object shape and size, and automatically identifies and marks damage on photos for comprehensive coverage, enabling rapid data processing and report generation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If manual inspection and sampling are used for claim settlement, then detailed damage assessment can be performed, but the process is laborious and time-consuming
Solution Approach 1:
The patent replaces manual mechanical inspection with an automated system comprising a mobile terminal, server, and drone. The mobile terminal captures images, the server processes them through algorithms, and generates automated reports, substituting the mechanical manual inspection process with an automated information processing system that maintains assessment accuracy while dramatically reducing time requirements.
Solution Approach 2:
The system enables self-service claim settlement where the policyholder independently completes the claim process using the mobile terminal to capture images and submit claims without requiring manual intervention from insurance adjusters. The automated server processing completes the assessment independently, allowing the entire claim settlement to be self-executed rather than requiring human labor at each step.
2Loss of information
If investigators manually collect data at disaster scenes, then detailed information can be gathered, but personal safety is threatened and response time is delayed
Solution Approach 1:
The patent introduces a drone as an intermediary device that collects data remotely from disaster scenes. The mobile terminal serves as another intermediary, capturing images and transmitting them to the server for processing. This intermediary system allows complete data collection without requiring human investigators to physically enter hazardous environments, eliminating safety risks while maintaining information completeness.
Solution Approach 2:
The system replaces manual data collection by investigators with automated image capture and processing. The mobile terminal automatically captures scene images, the server automatically processes them through recognition algorithms, and generates reports without human intervention in the hazardous environment, substituting the mechanical process of manual data gathering with automated systems.
3Area of stationary object
If multiple drone takeoffs are used to collect sufficient data for various house shapes and sizes, then complete coverage is achieved, but post-processing complexity and time increase
Solution Approach 1:
The patent employs dynamic adjustment of drone flight parameters based on real-time image analysis. The server analyzes captured images to determine whether sufficient coverage has been achieved, and dynamically adjusts the drone's flight path, altitude, and shooting angles accordingly. This dynamic approach allows complete coverage of various house shapes and sizes while minimizing the number of takeoffs and reducing post-processing complexity by avoiding redundant data collection.
Solution Approach 2:
The system implements a feedback mechanism where the server processes images in real-time and provides feedback on coverage completeness to the mobile terminal, which then guides the drone's next actions. This closed-loop feedback system ensures sufficient data coverage is achieved efficiently without requiring predetermined multiple takeoffs, thereby reducing the volume of data requiring post-processing while maintaining complete area coverage.
4Measurement precision
If manual photo processing is performed for claim assessment, then detailed analysis can be conducted, but labor costs are high and errors occur
Solution Approach 1:
The patent replaces manual photo processing with automated server-based image recognition algorithms. The server automatically analyzes captured images to identify damage, calculate loss amounts, and generate assessment reports. This substitution eliminates manual labor costs entirely while maintaining or improving identification accuracy through consistent algorithmic processing that does not suffer from human fatigue or error.
Solution Approach 2:
The system performs self-service damage assessment where the server automatically processes images without human intervention. The algorithms independently identify damage types, assess severity, calculate compensation amounts, and generate reports, enabling the system to serve itself in the assessment process rather than requiring paid human labor for each claim analysis.
Data Source
AI summary
Disclosed is a method and apparatus for processing an insurance claim. The user first files a claim, and then a drone is dispatched to take a photo of the claimed object at the location corresponding to location information contained in the claim so as to obtain a complete photo required for claim settlement. Then the damage of the claimed object is identified and marked out on the photo. Finally, the complete photo on which the damage has been identified and marked out is uploaded online, and the claimed object is measured and the damage of the claimed object is assessed according to the uploaded complete photo, thus formulating a claim report.