Object Recognition for Automated Insurance Form Population

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Solution Overview

Problem

Insurance customers often face difficulties in providing accurate information due to unclear categorization requirements in insurance forms, leading to inefficient data collection and potential inaccuracies, which can result in sub-optimal customer experiences and increased resource consumption for insurance providers.

Innovation Solution

A computer-implemented method using object recognition techniques to identify physical features of objects from images submitted by users, determining possible types, and automatically populating relevant fields in electronic insurance forms, thereby simplifying the information collection process and reducing the need for manual assistance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If customers manually categorize objects in insurance forms, then data collection can be completed, but accuracy decreases and time consumption increases

Engineering Contradiction:
Improveaccuracy of object categorizationVSAvoidtime required for information provision
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent replaces the manual mechanical categorization process with an automated image recognition system. The system captures images of objects (fireplaces, exteriors, etc.) and uses computer vision algorithms to automatically identify and categorize them, eliminating the need for customers to manually classify objects while significantly improving accuracy and reducing time consumption.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent introduces an image recognition system as an intermediary between the customer and the insurance form. Instead of directly categorizing objects, the customer captures images which are then processed by the recognition system that acts as a mediator, translating visual information into structured data for the insurance application.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Measurement precision

If customers seek assistance from agents or online help, then accurate information can be provided, but resource consumption increases and customer convenience decreases

Engineering Contradiction:
Improveaccuracy of information providedVSAvoidconvenience of information provision
Core Design Contradiction:
Measurement precisionVSEase of operation

Solution Approach 1:

The patent enables customers to independently complete complex categorization tasks through automated image recognition technology. The system processes images and provides accurate categorization without requiring customer intervention or external assistance, making the service self-sufficient and eliminating the need for agent involvement or online help resources.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces the human-assisted information gathering process with an automated image recognition system. Instead of customers contacting agents or using online help, the system automatically analyzes images and provides accurate categorization, improving both accuracy and convenience simultaneously.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Loss of information

If detailed descriptions are provided in online help, then customers can understand options, but time required to read and understand increases significantly

Engineering Contradiction:
Improvecompleteness of information providedVSAvoidtime to process information
Core Design Contradiction:
Loss of informationVSLoss of time

Solution Approach 1:

The patent replaces text-based information delivery with image-based automated recognition. Instead of customers reading detailed descriptions to understand categorization options, the system automatically analyzes images and determines the correct categorization, providing complete information while eliminating the time required to read and process textual explanations.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20230162290A1Systems and Method for Using Object Recognition to Facilitate the Collection of Insurance Information
Publication Date: 2023.05.25 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US20230162290A1 patent drawing
  • US20230162290A1 patent drawing
  • US20230162290A1 patent drawing

AI summary

A computer-implemented method includes providing a user an electronic form with a field associated, processing an image of the object that the user submitted via a user-interactive control of the form to identify physical features of the object, using the identified physical features to determine two or more possible types of the object, determining confidence levels associated with the possible type(s), providing to the user indications of the possible type(s) and a request for confirmation of a determined type of the object, and, in response to receiving confirmation of the determined type from the user, causing the client device to automatically populate the field of the electronic form in accordance with the determined type.