Visual assist for insurance facilitation processes

• US 10,580,076 B2
• Filed: 05/02/2014
• Issued: 03/03/2020
• Est. Priority Date: 12/30/2013
• Status: Active Grant

• Current Assignee: Metropolitan Life Insurance Company (MetLife Incorporated)
• Original Assignee: Metropolitan Life Insurance Company (MetLife Incorporated)
• Inventors: Weiss, Amir
• Primary Examiner(s): Bartley, Kenneth
• Application Number:
  US14/268,642
• Publication Number:
  US 20150187017A1
• Time in Patent Office: 2,132 Days
• CPC Class Codes: G02B 2027/0178 Eyeglass type eyeglass details G02C
• CPC Class Codes: G02B 27/017 Head mounted
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/16 Real estate

Abstract

A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.

Claims

1. A wearable communications device, in the form of eyeglasses, configured to be worn by a claim adjuster, comprising:

a display screen;

a digital camera;

a microphone;

a geolocation sensor; and

a processor coupled to the display screen, the digital camera and the microphone, the processor programmed to;

display, in the display screen, an appointment for the claim adjuster to attend to, wherein the display screen displays a vehicle accident report and a location of the vehicle accident as part of the appointment;

receive a first voice instruction, as detected by the microphone, from the claim adjuster requesting a direction to the vehicle accident;

display in the display screen the direction to the vehicle accident in response to the first voice instruction;

receive a second voice instruction, as detected by the microphone, from the claim adjuster to start a new insurance claim;

display in the display screen an application for starting the insurance claim in response to the second voice instruction;

display in the display screen an instruction to the claim adjuster to scan a vehicle identification number;

display in the display screen a scan window to scan the vehicle identification number with the digital camera;

scan the vehicle identification number with the digital camera;

display in the display screen a request for confirmation of make and model of the vehicle;

receive a response to the request for confirmation from the claim adjuster;

display in the display screen an instruction to the claim adjuster to take a photo of the vehicle;

display in the display screen a scan window to take the photo of the vehicle by the digital camera;

receive a third voice instruction, as detected by the microphone, from the claim adjuster to take the photo;

take the photo of the vehicle using the digital camera after receiving the third voice instruction;

display in the display screen an instruction to the claim adjuster to describe a condition of the vehicle;

receive a fourth voice instruction, as detected by the microphone, from the claim adjuster describing the condition of the vehicle;

transcribe the fourth voice instruction;

store the transcribed fourth voice instruction to a memory;

prompt the claim adjuster in the display screen to ask an insurance policyholder a plurality of questions to identify the policyholder;

prompt the claim adjuster in the display screen to obtain from the policyholder information of an accident involving the vehicle insured by the policyholder;

prompt the claim adjuster in the display screen to capture at least one of video and audio interviews of an eyewitness to the accident;

determine geolocation information of the accident based on the geolocation sensor;

map the geolocation information with the scene of the accident;

store the visual information of the vehicle and the scene with the geolocation information to the memory;

wirelessly transmit data stored in the memory to a remote server via a wireless communication protocol;

receive from the remote server a recommendation of the insurance claim; and

display a list of vendors in the display screen based on the insurance claim.

2. The device of claim 1 wherein the wearable communication device is further configured to have an appearance of eyeglasses,

wherein the display screen displays a dynamic user interface disposed within the claim adjuster'"'"'s field of vision.

3. The device of claim 1 wherein the wearable communication device is in the form of a wrist watch.

4. The device of claim 1 wherein the digital camera is configured to capture at least bar code data.

5. The device of claim 1 wherein the processor operates to collect data related to an automobile insurance policy.

6. The device of claim 1 wherein the processor comprises instructions to obtain location data of the accident.

7. The device of claim 1 wherein the processor comprises instructions to the claim adjuster to provide identification of the policyholder.

8. The device of claim 1 wherein the processor comprises instructions to the claim adjuster to provide information about the mental state of the driver involved in the accident.

9. The device of claim 8 wherein the processor comprises instructions to provide an audio or video recording of a statement from the eyewitness.

10. The device of claim 1 wherein the processor comprises instructions to the claim adjuster to provide information about an automobile accident.