SYSTEM AND METHOD FOR CORRELATING A SELLER'S INSURANCE CLAIM WITH A BUYER'S COMPLAINT

• US 20120116821A1
• Filed: 04/04/2011
• Published: 05/10/2012
• Est. Priority Date: 11/10/2010
• Status: Active Grant

• Current Assignee: eBay Inc.
• Original Assignee: eBay Inc.
• Inventors: Vasavada, Maulin, Muppirala, Prakash, Jayapal, Mohan, Narang, Sanjay
• Granted Patent: US 8,700,519 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/083 Shipping
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method and a system for maintaining a record of a shipping insurance elected by a seller eligible to purchase the shipping insurance for an item to be shipped to a buyer are described. A claim and complaint module receives a complaint from the buyer and a claim from the seller. A claim processing module processes the claim from the seller based on the corresponding complaint from the buyer.

Claims

1. A system, comprising:

a processor-implemented seller shipping insurance module configured to maintain a record of a shipping insurance elected by a seller eligible to purchase the shipping insurance for an item to be shipped to a buyer;

a processor-implemented claim and complaint module configured to receive a complaint from the buyer for receiving the item damaged or not receiving the item, and a claim from the seller based on the shipping insurance; and

a processor-implemented claim processing module configured to process the claim from the seller based on the corresponding complaint from the buyer.

2. The system of claim 1 wherein the processor-implemented seller shipping insurance module comprises:

a seller shipping insurance eligibility module configured to determine whether the seller is eligible to purchase the shipping insurance based on at least a record of the seller, an address from which the item is to be shipped, and an address to which the item is to be shipped;

a shipping label module configured to provide a shipping label that incorporates information identifying the shipping insurance; and

a policy generating module configured to issue an insurance policy for the shipping insurance.

3. The system of claim 1 wherein the claim and complaint module comprises:

a seller claim module configured to receive the claim from the seller based on the shipping insurance; and

a buyer complaint module configured to receive the complaint from the buyer based on the item.

4. The system of claim 3 wherein the seller claim module is configured to contact the buyer to validate the claim from the seller, and wherein the buyer complaint module is configured to contact the seller to validate the complaint from the buyer.

5. The system of claim 1 wherein the claim processing module comprises:

a claim and complaint verification module configured to correlate the claim from the seller with the complaint from the buyer for the shipped item;

a fraud detection module configured to determine a fraudulent activity from the buyer or the seller related to the shipped item; and

a claim approval and rejection module configured to approve or deny the claim from the seller based on results from the claim and complaint verification module and the fraud detection module.

6. The system of claim 5 wherein the claim and complaint verification module is configured to correlate the claim from the seller with the complaint from the buyer for the shipped item based on the buyer validating the claim from the seller and based on the seller validating the complaint from the buyer.

7. The system of claim 5 wherein the claim and complaint verification module is configured to automatically and without human-intervention file the claim based on the seller failing to lodge the claim within a predetermined period, via an electronic marketplace on which a transaction of the item occurred.

8. A computer-implemented method comprising:

maintaining, at a seller shipping insurance module, a record of a shipping insurance elected by a seller eligible to purchase the shipping insurance for an item to be shipped to a buyer;

receiving, at a processor-implemented claim and complaint module, a complaint from the buyer and a claim from the seller; and

processing, at processor-implemented claim processing module, the claim from the seller based on the corresponding complaint from the buyer.

9. The computer-implemented method of claim 8 comprising:

determining whether the seller is eligible to purchase the shipping insurance based on at least a record of the seller, an address from which the item is to be shipped, and an address to which the item is to be shipped;

providing a shipping label that incorporates information identifying the shipping insurance; and

issuing an insurance policy for the shipping insurance.

10. The computer-implemented method of claim 8 comprising:

receiving the claim from the seller based on the shipping insurance; and

receiving the complaint from the buyer based on the item.

11. The computer-implemented method of claim 10 comprising:

contacting the buyer to validate the claim from the seller; and

contacting the seller to validate the complaint from the buyer.

12. The computer-implemented method of claim 8 comprising:

correlating the claim from the seller with the complaint from the buyer for the shipped item;

determining a fraudulent activity from the buyer or the seller related to the shipped item; and

validating the claim from the seller based on results from the correlating and the determining.

13. The computer-implemented method of claim 12 comprising:

correlating the claim from the seller with the complaint from the buyer for the shipped item based on the buyer validating the claim from the seller and based on the seller validating the complaint from the buyer.

14. The computer-implemented method of claim 12 comprising:

filing the claim automatically and without human-intervention based on the seller failing to lodge the claim within a predetermined period, via an electronic marketplace on which a transaction of the item occurred.

15. A non-transitory computer-readable storage medium storing a set of instructions that, when executed by a processor, cause the processor to perform operations, comprising:

maintaining, at a processor-implemented seller shipping insurance module, a record of a shipping insurance elected by a seller eligible to purchase the shipping insurance for an item to be shipped to a buyer;

receiving, at a processor-implemented claim and complaint module, a complaint from the buyer and a claim from the seller; and

processing, at processor-implemented claim processing module, the claim from the seller based on the corresponding complaint from the buyer.

16. The non-transitory computer-readable storage medium of claim 15 comprising:

determining whether the seller is eligible to purchase the shipping insurance based on at least a record of the seller, a shipping from address, and a shipping to address;

providing a shipping label that incorporates the shipping insurance; and

issuing an insurance policy for the shipping insurance.

17. The non-transitory computer-readable storage medium of claim 15 comprising:

receiving the claim from the seller based on the shipping insurance; and

receiving the complaint from the buyer based on the item.

18. The non-transitory computer-readable storage medium of claim 17 comprising:

contacting the buyer to validate the claim from the seller; and

contacting the seller to validate the complaint from the buyer.

19. The non-transitory computer-readable storage medium of claim 17 comprising:

correlating the claim from the seller with the complaint from the buyer for the shipped item;

determining a fraudulent activity from the buyer or the seller related to the shipped item; and

validating the claim from the seller based on results from the correlating and the determining.

20. The non-transitory computer-readable storage medium of claim 19 comprising:

correlating the claim from the seller with the complaint from the buyer for the shipped item based on the buyer validating the claim from the seller and based on the seller validating the complaint from the buyer.

21. The non-transitory computer-readable storage medium of claim 19 comprising:

filing the claim automatically and without human-intervention based on the seller failing to lodge the claim within a predetermined period, via an electronic marketplace on which a transaction of the item occurred.