Guided Vehicle Image Capture for Faster Insurance Claims

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Solution Overview

Problem

Existing Software as a Service (SaaS) providers face inefficiencies in claim processing, particularly in insurance claims, due to time-consuming manual procedures and suboptimal communication with users and call center representatives, leading to frustration and delays.

Innovation Solution

A computing system that utilizes artificial intelligence and machine learning to optimize claim processes, including guided content capture, dynamic scripting, and adaptive communication strategies to streamline information gathering, automate negotiations, and provide efficient claim handling.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If manual procedures are used for claim processing, then users can provide information at their own pace, but claim processing time increases and efficiency decreases

Engineering Contradiction:

Improveuser ability to provide informationVSAvoidclaim processing time

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The system enables users to independently complete claim submissions through automated guided capture interfaces that walk them through the process step-by-step, reducing reliance on manual agent assistance while maintaining ease of use and significantly reducing processing time

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system performs preliminary actions by automatically guiding users through information collection, validation, and organization before claim processing begins, preparing all necessary data in advance to eliminate delays during processing

Inventive Principle:

Principle #10Preliminary action

2Ease of operation

If traditional communication methods are used between users and call center representatives, then communication can occur, but communication efficiency is suboptimal and user frustration increases

Engineering Contradiction:

Improvecommunication capabilityVSAvoidcommunication efficiency

Core Design Contradiction:

Ease of operationVSProductivity

Solution Approach 1:

The system replaces traditional mechanical communication methods (phone calls, in-person meetings) with automated digital communication interfaces that guide users through claim processes, providing structured information exchange and reducing communication inefficiencies

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system introduces an automated guided capture interface as an intermediary between users and claim processing systems, facilitating efficient communication by structuring information flow and reducing misunderstandings that cause user frustration

Inventive Principle:

Principle #24Intermediary (Mediator)

3Loss of information

If comprehensive claim information is collected through manual processes, then complete data is obtained, but the complexity of information gathering increases and delays occur

Engineering Contradiction:

Improveclaim information completenessVSAvoidinformation gathering complexity

Core Design Contradiction:

Loss of informationVSDevice complexity

Solution Approach 1:

The system segments the complex information gathering process into discrete, manageable steps presented through a guided interface, collecting comprehensive claim data while reducing perceived complexity by breaking down the process into simple, sequential tasks

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system dynamically adapts the information gathering process based on user responses and claim type, adjusting the complexity and scope of questions in real-time to obtain complete information while minimizing unnecessary steps and user burden

Inventive Principle:

Principle #15Dynamics

4Productivity

If automated systems are implemented to reduce manual work, then processing efficiency improves, but computational resource usage increases

Engineering Contradiction:

Improveclaim processing efficiencyVSAvoidcomputational resource usage

Core Design Contradiction:

ProductivityVSUse of energy by moving object

Solution Approach 1:

The system implements partial automation where guided capture interfaces handle routine information collection and validation tasks, while more complex claims still benefit from human agent involvement, optimizing the balance between automation efficiency and computational resource consumption

Inventive Principle:

Principle #16Partial or excessive action

Data Source

PatentUS20260051130A1Guided content capture

Publication Date: 2026.02.19 ASSURED INSURANCE TECH INC

AI summary

A computing system can process incident information corresponding to a vehicle incident involving a vehicle of a user. The system can initiate a guided content capture process with a user to capture images of a vehicle of the user. The system generates a sequential set of vehicle outlines of the vehicle on an image interface presented on a computing device of the user to implement the guided content capture process. The system performs computer vision on image data captured by a camera of the computing device to determine when the vehicle is aligned with a particular vehicle outline of the sequential set of vehicle outlines.