FORM 2
THE PATENTS ACT, 1970
(39 of 1970)
&
THE PATENTS RULES, 2003
COMPLETE SPECIFICATION
(See section 10, rule 13)
1. Title of the invention: AUTOMATIC VEHICLE INSURANCE CLAIMS PROCESSING
2. Applicant(s)
NAME NATIONALITY ADDRESS
TATA CONSULTANCY Indian Nirmal Building, 9th Floor,
SERVICES LIMITED Nariman Point, Mumbai,
Maharashtra 400021, India
3. Preamble to the description
COMPLETE SPECIFICATION
The following specification particularly describes the invention and the manner in which it
is to be performed.

TECHNICAL FIELD
[0001] The present subject matter relates, in general, to automatic processing of insurance claims and, particularly but not exclusively, to automatic processing of vehicle insurance claims.
BACKGROUND
[0002] Processing of vehicle insurance claims involves a series of steps from collection of data at an accident site to claiming damages, assessment of the damages, and disbursement of the claimed amount to the insured. Generally, the process is initiated by the insured or claimant by providing information to the insurance company about the accident, along with details, such as vehicle registration number, driver license number, vehicle make and model, and a preliminary description of the damage in the vehicle. In response to the claim made and information submitted, an assessment of the damage is done by an official of the insurance company. This requires the official to visit the site of the accident or a location to which the damaged vehicle has been moved, for a physical inspection of damage. Based on the inspection, the official submits a report to the insurance company and the insurance company then approves or denies the claimed amount and releases the disbursement as applicable.
[0003] The above mentioned process takes substantial time to complete and involves a high degree of manual intervention. Also, the insurance company incurs a cost in sending an official to the vehicle site for assessing and validating the insurance claim. Many a times, particularly in the case of low value claims, the cost incurred by the insurance company is more than the claimed amount. As a result, for low value claims, insurance companies may tend to give approvals without verifying the damages in person. Such approvals further invite trivial and frivolous insurance claims from other parties. This also leads to formulation of less flexible insurance polices restraining the insured from making claims below a break-even value, by the terms of contract. This makes insurance policies less attractive to the consumer or the consumer ends up paying high value premiums to avail such insurance benefits.

SUMMARY
[0004] This summary is provided to introduce concepts related to automatic processing of vehicle insurance claims and these concepts are further described below in the detailed description. This summary is not intended to identify essential features of the claimed subject matter nor is it intended for use in determining or limiting the scope of the claimed subject matter.
[0005] Systems and methods for automatic processing of vehicle insurance claims are described. In one aspect, the method includes extracting a first ID of a vehicle from at least one vehicle ID image by optical character recognition (OCR), determining a second ID of the vehicle from a voice ID input by speech recognition and correcting the first ID based on the second ID to obtain a corrected vehicle ID of the vehicle. Further, the vehicle ID image, at least one vehicle body image, the corrected vehicle ID, and the voice ID input are transmitted to a server for damage assessment and automatic insurance claim processing.
BRIEF DESCRIPTION OF THE DRAWINGS
[0006] The detailed description is described with reference to the accompanying figures. In the figures, the left-most digit(s) of a reference number identifies the figure in which the reference number first appears. The same numbers are used throughout the figures to reference like features and components. Some embodiments of the method(s) in accordance with the present subject matter are described, by way of example only, and with reference to the accompanying figures, in which:
[0007] Figure. 1 illustrates a network environment for implementation of automatic vehicle insurance claim processing, according to an embodiment of the present subject matter.
[0008] Figure 2 illustrates a mobile communication device for automatic vehicle insurance claim processing, in accordance with an embodiment of the present subject matter.
[0009] Figure 3 illustrates a method for automatic vehicle insurance claim processing, in accordance with an embodiment of the present subject matter.
[0010] It should be appreciated by those skilled in the art that any block diagrams herein represent conceptual views of illustrative systems embodying the principles of the present

subject matter. Similarly, it will be appreciated that any flow charts, flow diagrams, state transition diagrams, pseudo code, and the like represent various processes which may be substantially represented in computer readable medium and so executed by a computer or processor, whether or not such computer or processor is explicitly shown.
DETAILED DESCRIPTION
[0011] Systems and methods for automatic vehicle insurance claim processing are described herein. The systems and methods can be implemented in a variety of mobile communication devices, such as laptops, tablet-PCs, smart phones, etc. Although the description herein is with reference to certain computing systems, the systems and methods may be implemented in other electronic devices, albeit with a few variations, as will be understood by a person skilled in the art. Further, a person skilled in the art will comprehend that the embodiments of the present subject matter are not limited to any particular computing system, architecture or application device, as they may be adapted to take advantage of new computing systems and platforms as they become available.
[0012] Conventionally, submission and processing of vehicle insurance claims involves a high degree of manual intervention. The insured party has to first manually provide a number of details regarding the vehicle and the accident to the insurance agency, and register an insurance claim. The insurance claim is then verified by an insurance agent who assesses the damage at the site of the vehicle. Based on the report generated by the insurance agent, the insurance claim is accepted or rejected, and disbursements are made accordingly.
[0013] In order to reduce the time involved, insurance agencies have developed semi-automated processes of registration of claims, for example, by allowing the user to register the claim and provide the required details online or through a voice call. In some cases, the insured party can inform the insurance agency about the accident by way of short messaging system (SMS), after which the insurance company collects the required details about the insurance claim through a voice call. However, the insurance claims still have to be verified and so, after receiving the insurance claim, the insurance agency has to send an official to the site of the vehicle to verify the claims and collect documentary proof, thus incurring substantial cost and leading to delays in claim processing. Further, as the vehicle can not be repaired or used until the

insurance claim is verified by the insurance agent, the insured party is further inconvenienced due to the unavailability of the vehicle in the interim period.
[0014] Systems and methods for automatic processing of vehicle insurance claims are described for fast and efficient vehicle claim processing. The methods involve multimodal information collection and processing for initiation of vehicle insurance claims. Further, the methods make use of mobile communication networks to register the claim instantly. The insurance claims thus registered can be verified and processed automatically based on the multimodal information, without the need for sending an insurance agent to the vehicle site for claim verification. The systems and methods thus result in low cost and efficient vehicle insurance claim processing. Further, the insured party can have the vehicle repaired or use the vehicle with minimal delay. The systems and methods are particularly useful for low value insurance claims, where the costs incurred by the insurance agency are more than the insurance claim when claim processing is done by conventional methods.
[0015] In one implementation, the insurance claim can be initiated by a user using a mobile device, such as a laptop, tablet-computer, or smart phone. It will be understood that the user may or may not be the owner of the vehicle. For example, the user may be the driver or an occupant of the vehicle, and may not be the insured party. The user can initiate the insurance claim by collecting and sending multimodal information regarding the accident to the insurance agency using the mobile device. Multimodal information refers to information collected in multiple formats, for example, as images, voice input, audio-video information and text information. The multimodal information can be pre-processed by the mobile device before sending the information to the insurance agency, thereby reducing the time and resources required for processing the information at the insurance agency.
[0016] In one example, the mobile device can receive a plurality of images of the vehicle. The plurality of images can include at least one image of a vehicle identifying number (Vehicle ID) and at least one image of the vehicle body showing the damage suffered by the vehicle. The images can be received from a camera integrated with the mobile device or from an external camera communicatively coupled to the mobile device. The vehicle ID can include, but is not limited to, registration number of vehicle, Vehicle Identity Number, License Plate Number, etc.

The vehicle ID image can be pre-processed by the mobile device to extract text corresponding to the vehicle ID from the said image by Optical Character Recognition (OCR).
[0017] Further, the mobile device can receive audio or voice input from the user, in which the user enunciates the vehicle ID. The voice input can be pre-processed by the mobile device using speech recognition to determine the vehicle ID. The vehicle ID determined by speech recognition can be used to verify or correct the vehicle ID extracted by OCR. Thus, the multimodal inputs can be used for cross-verification. Moreover, the voice input can be later used even for the verification of authenticity of the user.
[0018] In another implementation, the mobile device can additionally collect supplementary data, such as the geographical location, audio-video input, and text input, related to the accident and vehicle. In one example, the geographical location of the accident can be determined by Global Positioning System (GPS).
[0019] Further the plurality of images, voice input, corrected vehicle ID and the supplementary data, if collected, can be sent to a claims processing system of the insurance agency. The claims processing system can perform a damage assessment based on image analysis of the vehicle body and using the supplementary data. Based on the damage assessment, the insurance claims can be processed further by the insurance agency for determining and releasing the applicable disbursements.
[0020] For example, in case the assessed damage corresponds to a disbursement amount below a threshold value, then the insurance claim may be processed at the insurance agency without any further physical verification. On the other hand, if the disbursement amount is greater than a threshold value, then physical verification may be performed by sending an insurance agent to the vehicle location. Thus, in case of low value claims, the cost associated wfith physical verification gets eliminated.
[0021] In one implementation, the damage assessment and claims processing may be completely automated. In another implementation, certain operator inputs may be provided at various stages of the damage assessment and claims processing. It will be understood that even if the operator inputs are provided, the costs incurred and time delay involved will be substantially lower than that required for performing a physical verification of the vehicle.

[0022] The systems and methods for automatic vehicle insurance claims processing thus provide cost efficient and fast processing of insurance claims. Further, since the various images, voice inputs, and supplementary data are collected directly at the site of the accident by the user, the insurance claim initiation is immediate. Also, the user does not have to wait for the information to be submitted or for physical verification before undertaking repair of the vehicle. Moreover, the voice inputs can be used to verify the authenticity of the user, if required, at a later date. Thus, the time, effort and costs involved both at the user end and at the end of the insurance agency are substantially reduced.
[0023] These and other advantages of the present subject matter would be described in greater detail in conjunction with the following figures. While aspects of described systems and methods for automatic vehicle claim processing can be implemented in any number of different computing systems, environments, and/or configurations, the embodiments are described in the context of the following exemplary system(s).
[0024] Fig. 1 illustrates a network environment 100 implementing a claims processing system 102 for automatic vehicle insurance claim processing, according to an embodiment of the present subject matter. In said embodiment, the claims processing system 102 is connected to and interacts with a plurality of mobile devices 104-1...104-N, collectively referred to as the mobile devices 104 and individually referred to as a mobile device 104, over a communication network 106 through one or more communication links.
[0025] The claims processing system 102 may be implemented as any of a variety of known computing devices, including, for example, servers, a desktop PC, a notebook or portable computer, a workstation, a mainframe computer, and the like. The mobile devices 104 may be implemented as portable hand held devices with computing and communication capabilities, such as laptops, notebooks, tablet computers, Personal Digital Assistants (PDA), mobile phones, multimedia enabled phones, smart phones, and the like.
[0026] Communication links between the claims processing system 102 and the mobile devices 104 can be enabled through various forms of connections, for example, via dial-up modem connections, cable links, digital subscriber lines (DSL), wireless or satellite links, or any other suitable form of communication.

[0027] Further, the communication network 106 may be a wireless network, a wired network, or a combination thereof. The communication network 106 can also be an individual network or a collection of many individual networks interconnected with each other and functioning as a single large network, e.g., the internet or an intranet. The communication network 106 can be implemented any of the different types of networks, such as intranet, local area network (LAN), wide area network (WAN), the internet, and such. The communication network 106 may either be a dedicated network or a shared network, and may use a variety of protocols, for example, Hypertext Transfer Protocol (HTTP), Transmission Control Protocol/Internet Protocol (TCP/IP), etc., for communication. Further, the communication network 106 may include network devices, such as network switches, hubs, routers, and host bus adapters (HBAs), for providing a link between the mobile devices 104 and the claims processing system 102.
[0028] In one implementation, the mobile devices 104 may be communicatively coupled to peripheral devices like a digital camera, an audio-video recording camera, and a voice recorder. In another implementation, one or more of the mobile devices 104 may be integrated with one or more of the peripheral devices. Further, each of the mobile devices 104 includes modules 108 for implementing the automatic vehicle insurance claims processing. In one implementation, the modules 108 include an image processing module 110, a voice processing module 112 and a text processing module 114.
[0029] The image processing module 110 is configured to receive a plurality of images from a peripheral device. The plurality of images includes at least one vehicle ID image and at least one vehicle body image. It will be understood that a vehicle ID image refers to an image in which an identification (ID) number of the vehicle is clearly visible, and from which the vehicle ID can be extracted. The ID number can include, for example, a vehicle identification number (VIN), a license plate number, and the like. The ID number may be embossed or painted on the vehicle, for example, on the bonnet or windscreen of the vehicle, or may be embossed or painted on a sticker or plate attached to the vehicle. Further, the vehicle body image refers to an image of the vehicle in which the body of the vehicle is clearly visible, particularly the region where damage has occurred. The image processing module 110 further provides an interface for uploading the images for transmission to the claims processing system 102.

[0030] In one implementation, the image processing module 110 can pre-process the images before transmission, so that the time and resources required by the claims processing system 102 are substantially reduced. During pre-processing, the image processing module 110 can extract a first ID corresponding to the vehicle ID from the at least one vehicle ID image using optical character recognition (OCR). As will be understood by a person skilled in the art, OCR is a technique used for extracting alpha-numeric and other character sets from an image. The extracted first ID can be saved in a text format or any other compatible format in the memory of the mobile device 104. Similarly, the image processing module 110 can also pre-process the vehicle body image, for example, to identify the damaged region using any known image analysis technique.
[0031] Further, the voice processing module 112 is configured to receive and process voice data, such as a voice ID input corresponding to the vehicle ID. In one implementation, the voice processing module 112 can receive the voice ID input from a peripheral device and can process the voice ID input using speech recognition to extract a second ID corresponding to the vehicle ID. As will be understood by a person skilled in the art, speech recognition is a technique used to convert spoken words or characters into text. The extracted second ID can also be saved in a text format or any other compatible format in the memory of the mobile device 104. The voice processing module 112 can further provide an interface for transmitting the audio files to the claims processing system 102, for example, record keeping and authentication purposes.
[0032] Once the first ID and the second ID are extracted, the text processing module 114 can correct the first ID based on the second ID to obtain a corrected vehicle ID corresponding to the vehicle ID. In one implementation, the voice processing module 112 can provide, as output, multiple options for each character of vehicle ID and user can correct the first ID by selecting suitable options. Thus, the vehicle ID number can be automatically obtained and corrected based on multimodal inputs, which includes an image and a voice input.
[0033] Further, the modules 108 can obtain supplementary data related to the accident and the vehicle, such as details of accident site, time of accident, the vehicle involved, model and make of the vehicle. In one implementation, such information may be provided by the user in the

form of text input, video input, voice input, or any other multimedia input. Details of location of vehicle can also be automatically obtained by the mobile device 104, for example, using GPS.
[0034] Further, the modules 108 can transmit the insurance claim data, including the plurality of images, voice inputs, corrected vehicle ID, and supplementary data to the claims processing system 102. The claims processing system 102 can use the received insurance claim data for automatically processing the vehicle insurance claim. In one implementation, the claims processing system 102 can perform a damage assessment based on image analysis of the vehicle body image and using the supplementary data. Further, the claims processing system can identify the vehicle details and insurance cover details applicable for the vehicle using the corrected vehicle ID and supplementary data. Based on the damage assessment and insurance cover applicable, the insurance claim can be processed further for determining and releasing the applicable disbursements.
[0035] In one implementation, in case the assessed damage corresponds to a disbursement amount below a threshold value, then the insurance claim may be processed at the insurance agency without any further formalities or physical verification. On the other hand, if the disbursement amount is greater than a threshold value, then physical verification may be performed by sending an insurance agent to the vehicle location or a request for further details may be sent to the user. Thus, in case of low value claims, the cost associated with physical verification gets eliminated.
[0036] In one implementation, the damage assessment and claims processing may be completely automated and rule based. In another implementation, certain operator inputs may be required at various stages of the damage assessment and claims processing, for example, to verify the degree of damage that is assessed automatically, to verify the applicable insurance cover, and the like. It will be understood that even if the operator inputs are required, the costs incurred and time delay involved will be substantially lower than that required for performing a physical verification of the vehicle.
[0037] Fig. 2 illustrates a mobile device 104 for automatic vehicle insurance claim processing, in accordance with an embodiment of the present subject matter. In said embodiment, the mobile device 104 includes one or more processor(s) 202, input-output (I/O)

interface(s) 204, and a memory 206 coupled to the processor 202. The processor 202 can be a single processing unit or a number of units, and may be implemented as one or more microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, state machines, logic circuitries, and/or any device that manipulates signals based on operational instructions. Among other capabilities, the processor 202 is configured to fetch and execute computer-readable instructions and data stored in the memory 206 and execute instructions corresponding to the modules 108.
[0038] The I/O interfaces 204 may include a variety of software and hardware interfaces, for example, interface for peripheral device(s), such as a keyboard, keypads, USB interface, a mouse, an external memory, and the like. Further, the I/O interfaces 204 may enable the mobile device 104 to communicate with other computing devices, such as the claims processing system 102, peripheral devices, web servers and external data repositories, in the network environment 100. The I/O interfaces 204 may facilitate multiple communications within a wide variety of protocols and networks, such as a network, including wired networks, e.g., LAN, cable, etc., and wireless networks, e.g., WLAN, cellular, satellite, etc. The I/O interfaces 204 may also include one or more ports for connecting the mobile device 104 to a number of computing devices.
[0039] The memory 206 may include any non-transitory computer-readable medium known in the art including, for example, volatile memory, such as static random access memory (SRAM) and dynamic random access memory (DRAM), and/or non-volatile memory, such as read only memory (ROM), erasable programmable ROM, flash memories, hard disks, optical disks, and magnetic tapes.
[0040] The mobile device 104 further includes an image capturing unit 208, a voice recording unit 210 and a location identifier 212. The image capturing unit 208 includes hardware and software, such as a digital camera and associated software, used for capturing images and videos. The voice recording unit 210 includes hardware and software, such as a microphone and associated software, used for recording voice and audio inputs. The location identifier 212 includes hardware and software for determining the location of the mobile device 104. The location identifier 212 can implement any known location identification technique, such as GPS, multilateration of radio signals, etc. While the image capturing unit 208, the voice recording unit

210, and the location identifier 212 have been shown as a part of the mobile device 104 in this embodiment, it will be understood that one or more of these can be located separately and can be communicatively coupled to the mobile device 104 in other embodiments.
[0041] Further, the mobile device 104 includes the modules 108 for implementing the automatic vehicle insurance claims processing as described earlier. In addition to the image processing module 110, the voice processing module 112, and the text processing module 114, the modules 108 can also include a claim transmission module 214 and other modules 216. The claim transmission module 214 provides an interface for the selection and transmission of data obtained from or generated by various modules or units to the claims processing system 102 through the I/O interfaces 204. The other module(s) 216 may include other programs or coded instructions that supplement applications and functions of the claims processing system 102. The other module(s) 216 may include other programs or coded instructions that supplement applications and functions of the mobile device 104.
[0042] Additionally, the data obtained, generated and processed by the mobile device 104 may be saved in data 218. The data 218, thus, inter alia serves as a repository for storing data processed, received, and generated by one or more of the module(s) 108, the processor 202, the memory 206, the I/O interfaces 204, the image capturing unit 208, the voice recording unit 210, and the location identifier 212. The data 218 may be a part of the memory 206 or may be located in a separate internal or external memory. The data 218 can include, for example, image data 220, audio and video data 222, text data 224, and other data 226.
[0043] In operation, in case a user having the mobile device 104 meets with an accident and would like to register for an insurance claim with the claim processing system 102, the user can use the mobile device 104 for registration of the insurance claim. For this, the user can use the mobile device 104 to capture a plurality of images, including at least the vehicle ID image and the vehicle body image as described earlier. The plurality of images can be captured by the image capturing unit 208 and saved in image data 220. The image data 220 can be accessed and pre-processed by the image processing module 110. In one implementation, the image processing module can pre-process the vehicle ID image to extract the first ID corresponding to the vehicle ID by OCR as described earlier. The extracted first ID can be saved in the text data 224. Further,

the image processing module can also pre-process the vehicle body image and other images, for example, to identify a damaged region, or change image characteristics, such as brightness, contrast, and sharpness, and thereby improve the image quality.
[0044] The user can further use the mobile device 104 for providing voice inputs. The voice inputs can be received and recorded by the voice recording unit 210 and saved in audio and video data 222. In one implementation, the voice inputs include a voice ID input in which the user enunciates the vehicle ID that was captured in the vehicle ID image. The voice processing module 112 can access the audio and video data 222 to extract the second ID corresponding to the vehicle ID from the voice ID input. The extracted second ID can also be saved in text data 224. Further, the text processing module 114 can correct the first ID based on a comparison with and the second ID to obtain a corrected vehicle ID. Thus, the corrected vehicle ID can be generated based on multimodal inputs including at least an image and a voice input. In one implementation the voice processing module 112 can provide, as output, multiple options for each character of the vehicle ID and the user can correct the first ID by selecting suitable options.
[0045] Further, the mobile device 104 may contain the location identifier 212. The location identifier 212 may use wireless or satellite services like Global Positioning System (or GPS) to identify the location of the user at the time of execution of device for the purpose. The mobile device 104 may also receive other user inputs including text data, images, multimedia data, and the like. The mobile device 104 may then transmit the plurality of images, corrected vehicle ID, voice inputs, location data, and other supplementary data to the claims processing system 102 for automatic damage assessment and claim processing as described above.
[0046] In one implementation, the claim transmission module 214 may provide an integrated graphical user interface (GUI) to the user for the collection, pre-processing and transmission of the insurance claim data. The claim transmission module 214 may in turn invoke the various modules in modules 108 and the image capturing unit 208, the voice recording unit 210, and the location identifier 212 based on user inputs to obtain, pre-process, and transmit the insurance claim data.

[0047] For example, the user may invoke the claim transmission module 214 through an icon on the mobile device 104. The claim transmission module 214 may provide the GUI including different buttons, icons and fields to collect and pre-process the insurance claim data, for example, to capture the plurality of images, to capture the voice input, to generate the corrected vehicle ID, to collect the supplementary data including location data. As the user performs operations on the GUI, for example, by clicking on an icon, the corresponding modules or units are invoked. Further, once the required insurance claim data has been gathered and pre-processed, the claim transmission module 214 may provide an icon for uploading the insurance claim data to the claims processing system 102 through the I/O interfaces 204 of the mobile device 104. Thus the claim transmission module 214 can provide an integrated GUI for registering the insurance claim with the claims processing system 102 for automated vehicle insurance claim processing.
[0048] Fig. 3 illustrates a method 300 for automatic vehicle insurance claim processing, according to one embodiment of the present subject matter. The method 300 may be implemented in a variety of computing systems in several different ways. For example, the method 300, described herein, may be implemented using the mobile device 104 and the claims processing system 102, as described above
[0049] The method 300, completely or partially, may be described in the general context of computer executable instructions. Generally, computer executable instructions can include routines, programs, objects, components, data structures, procedures, modules, functions, etc., that perform particular functions or implement particular abstract data types. A person skilled in the art will readily recognize that steps of the method can be performed by programmed computers. Herein, some embodiments are also intended to cover program storage devices, e.g., digital data storage media, which are machine or computer readable and encode machine-executable or computer-executable programs of instructions, wherein said instructions perform some or all of the steps of the described method 300.
[0050] The order in which the method 300 is described is not intended to be construed as a limitation, and any number of the described method blocks can be combined in any order to implement the method, or an alternative method. Additionally, some of the individual blocks

may be deleted from the method without departing from the spirit and scope of the subject matter described herein. Furthermore, the methods can be implemented in any suitable hardware, software, firmware, or combination thereof. It will be understood that even though the method 300 is described with reference to the mobile device 104 and the claims processing system 102, the description may be extended to other systems as well.
[0051] At block 302, a voice ID input and a plurality of images having at least one vehicle ID image and at least one vehicle body image are obtained. In one implementation the plurality of images are received from the image capturing unit 208 and the voice ID input is received from the voice recording unit 210.
[0052] At block 304, a first ID is extracted from the vehicle ID image by optical character recognition (OCR) and a second ID is extracted from voice ID input by speech recognition. For example, vehicle ID image may be processed by the image processing module 110 using OCR and the voice ID input may be processed by the voice processing module 112 to extract the first ID and the second ID respectively.
[0053] At block 306, the first ID is compared with and corrected using the second ID to obtain a corrected vehicle ID corresponding to the vehicle ID. In another implementation, the first ID can also be corrected by the manual input of characters by the user. For example, the text processing module 114 can compare the first ID and the second ID and can correct the first ID based on the comparison to generate the corrected vehicle ID. In one implementation, the voice processing module 112 can provide, as output, multiple options for each character in the vehicle ID, and the user can correct the first ID by selecting suitable options.
[0054] At block 308, the plurality of images, voice ID input, and the corrected vehicle ID are transmitted to a claim processing server for automatic vehicle insurance claim processing. In one implementation, supplementary information, such as location data, other multimedia and text input from the user may also be sent. For example, the claim transmission module 214 can transmit the insurance claim data to the claims processing system 102. Further, the claims processing system 102 can automatically process the insurance claim data. In one example, the claim processing system 102 can perform an automatic damage assessment using the insurance claim data and determine the applicable disbursements. Further, the data files related to the

insurance claim data can be saved in a database for later manual assessment of claims, or for claim verification, or for authentication of the user.
[0055] Although implementations of systems and methods for automatic vehicle insurance claim processing have been described in language specific to structural features and/or methods, it is to be understood that the appended claims are not necessarily limited to the specific features or methods described. Rather, the specific features and methods are disclosed as example implementations of the systems and methods for automatic vehicle insurance claim processing.

I/We claim:
1. A mobile device (104) for automatic insurance claim processing of a vehicle, the mobile
device (104) comprising:
a processor (202) configured to fetch and execute instructions;
an image processing module (110) coupled to the processor (202), the image processing module (110) being configured to extract a first ID corresponding to a vehicle ID from at least one vehicle ID image by optical character recognition (OCR);
a voice processing module (112) coupled to the processor (202), the voice processing module (112) being configured to determine a second ID corresponding to the vehicle ID by speech recognition from a voice ID input;
a text processing module (114) coupled to the processor (202), the text processing module (114) being configured to correct the first ID based on the second ID to obtain a corrected vehicle ID; and
a claim transmission module (214) coupled to the processor (202), the claim transmission module (214) being configured to transmit the vehicle ID image, the corrected vehicle ID, and the voice ID input to a claims processing system (102) for the automatic insurance claim processing.
2. The mobile device (104) of claim 1, wherein the image processing module (110) is further configured to pre-process at least one vehicle body image, and the claim transmission module (214) is further configured to transmit the pre-processed vehicle body image to the claims processing system (102) for damage assessment.
3. The mobile device (104) of claim 1, wherein the vehicle ID is selected from a vehicle identification number and a license plate number.
4. The mobile deice (104) of claim 1, wherein the voice processing module (112) is further configured to provide multiple options for each character in the Vehicle ID to correct the first ID.

5. The mobile device (104) of claim 1, wherein the claim transmission module (214) is further configured to transmit supplementary data to the claims processing system (102) for the automatic insurance claim processing.
6. The mobile device (104) of claim 5, wherein the supplementary data includes at least one of a text input, a voice input, a video input, a location input, and an image input.
7. A method for automatic vehicle insurance claim processing, the method comprising:
obtaining a plurality of images from an image capturing unit (208) and a voice ID input from a voice recording unit (210), wherein the plurality of images comprises at least one vehicle ID image and at least one vehicle body image;
extracting a first ID corresponding to a vehicle ID from the at least one vehicle ID image by optical character recognition (OCR);
determining a second ID corresponding to the vehicle ID from the voice ID input by speech recognition;
correcting the first ID based on the second ID to obtain a corrected vehicle ID; and
transmitting the plurality of images, the corrected vehicle ID, and the voice ID input to a claims processing system (102) for the automatic vehicle insurance claim processing.
8. The method of claim 7 further comprising pre-processing the at least one vehicle body image before transmitting the at least one vehicle body image to the claims processing system (102).
9. The method of claim 7, wherein the vehicle ID is selected from a vehicle identification number and a license plate number.
10. The method of claim 7 further comprising:
acquiring supplementary data corresponding to at least one of vehicle details, incident description, and owner details; and
transmitting the supplementary data to the claims processing system (102) for the automatic insurance claim processing.

11. The method as claimed in claim 10, wherein the supplementary data includes at least one of a text input, a voice input, a video input, a location input, and an image input.
12. The method of claim 7 further comprising:
processing the at least one vehicle body image to assess damage of the vehicle; and determining an insurance claim amount based at least on the damage assessment.
13. A non-transitory computer-readable medium having embodied thereon a computer
program for executing a method comprising:
extracting a first ID of a vehicle from at least one vehicle ID image by optical character recognition (OCR);
determining a second ID of the vehicle from a voice ID input by speech recognition;
correcting the first ID based on the second ID to obtain a corrected vehicle ID of the vehicle;
pre-processing at least one vehicle body image of the vehicle; and
transmitting the vehicle ID image, the pre-processed vehicle body image, the corrected vehicle ID, and the voice ID input for damage assessment and automatic insurance claim processing.