Omni Middleware for Seamless Insurance Data Exchange

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Solution Overview

Problem

The process of creating a loss report for insurance claims is tedious and error-prone due to the need for manual data reentry across multiple systems, leading to a high friction in customer experience.

Innovation Solution

Implementing an omni system that acts as middleware to prepopulate data from intake systems into subsequent loss reporting systems, leveraging sensors and mobile devices to automate data transfer and reduce manual input, thereby facilitating seamless data exchange between disparate systems.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual data reentry is used across multiple systems, then data can be transferred between systems, but the process becomes tedious and error-prone

Engineering Contradiction:

Improvedata accuracyVSAvoidoperational simplicity

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces an intermediary system that acts as a mediator between the intake system and the customer relationship management platform. This intermediary automatically transfers data between systems, eliminating manual reentry while ensuring data accuracy through structured data mapping and validation rules.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical process of manual data reentry with an automated electronic data transfer system. The system uses computer-implemented methods to automatically extract, transform, and load data between systems, substituting human manual operations with automated computational processes.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Productivity

If data is entered multiple times across different systems, then data can be populated in each system, but the process becomes time-consuming

Engineering Contradiction:

Improveprocessing speedVSAvoidtime for data entry

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The patent implements preliminary action by automatically transferring and validating data from the intake system to the customer relationship management platform immediately when data is initially entered. This eliminates the need for subsequent manual data entry in multiple systems, significantly reducing the time required for complete data population across all systems.

Inventive Principle:

Principle #10Preliminary action

3Reliability

If manual data reentry is required, then data can be transferred between systems, but errors increase

Engineering Contradiction:

Improvedata accuracyVSAvoidautomation level

Core Design Contradiction:

ReliabilityVSExtent of automation

Solution Approach 1:

The patent replaces manual data reentry operations with automated computer-implemented methods that extract, transform, and load data between systems. This substitution of mechanical human operations with automated computational processes eliminates human errors while maintaining high data accuracy through systematic data validation and mapping procedures.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS11361384B1Methods and systems for providing seamless customer experience transactions

Publication Date: 2022.06.14 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY

AI summary

Systems and methods are disclosed with respect to providing seamless customer experience transactions, in particular, linking disparate systems to facilitate a lower friction customer experience. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.