Claims:We claim:
1) System and method for customer service in insurance sector by using artificial intelligence technology is comprising of:
a. Customer service web application;
b. Any electronic computing device with active internet connection; and
c. Backend server – All data related to customer service for insurance sector is stored on server
2) The system claimed in claim 1, provides one-to-one communication between customer and insurance company representative.
3) The system claimed in claim 1, provides users to ask doubts and queries to insurance company representative.
4) The system claimed in claim 1, provides user to file complaints to insurance company representative.
, Description:Field of the invention:
The present invention is related generally to the insurance sector, and more particularly to the customer service system by using artificial intelligence technology.
Background of the invention:
Insurance is an arrangement for a person where a company or the state undertakes to give a guarantee for compensation for specified damage, illness, loss or in death also in terms of payment for a specified amount of premium.
Basic concept of insurance is protection from financial loss. It is like a risk management used to ensure the risk of uncertain loss. In other words, insurance is a contract which represents policy for which an individual or entity get financial protection or reimbursement against losses from an insurance company.
Customer service direct one-to-one communication between a customer which buy an insurance policy and insurance company representative who sells that insurance policy. Customer satisfaction is the main factor in insurance sector which encourage customer for repeat business with the insurance company.
Any insurance company consider customer service and customer experience most important which creates good and successful relationship between customer and insurance company. Insurance companies always try to meet customer demands during every phase of customer journey.
There are a few systems for insurance features, which are patented, are listed below.
US patent application US5797134A by Robert John McMillan, Alexander Dean Craig, John Patrick Heinen discloses Motor vehicle monitoring system for determining a cost of insurance. A method and system of determining a cost of automobile insurance based upon monitoring, recording and communicating data representative of operator and vehicle driving characteristics. The cost is adjustable retrospectively and can be prospectively set by relating the driving characteristics to predetermined safety standards. The method comprises steps of monitoring a plurality of raw data elements representative of an operating state of the vehicle or an action of the operator. Selected ones of the raw data elements are recorded when the ones are determined to have an identified relationship to safety standards. The selected ones are consolidated for processing against an insurer profile and for identifying a surcharge or discount to be applied to a base cost of automobile insurance. A final cost is produced from the base costs and the surcharges or discounts.
US patent application US20130191170A1 by Joshua L. Jarrett, Marc E. Digiacomo discloses Kiosk for providing insurance services and products. A public access kiosk that provides direct, real-time communication between customers and licensed insurance agents, customer service representatives, or other insurance company representatives or agents. Communication may be voice only, with or without an avatar, but also may comprise face-to-face video. The kiosk is connected to the Internet or other network, thereby providing voice, video, and other data to be transmitted in real time and providing around-the-clock, automated (semi or fully) self-service, with an option for a fully supported, face-to-face in-office agency experience. The kiosk may be used to provide insurance and other services, including but not limited to providing a “lightning quote” for insurance in five minutes or less, and in some variations, in 60 seconds or less. A “lightning quote” also may be provided through the Internet or a web site, or other means.
Though the prior art patents disclose Motor vehicle monitoring system for determining a cost of insurance and Kiosk for providing insurance services and products, they do not give any perfect solution for customer service for insurance sector.
Artificial intelligence (AI) refers to the simulation of human intelligence in machines that are programmed to think like humans and mimic their actions. The term may also be applied to any machine that exhibits traits associated with a human mind such as learning and problem-solving.
Object of the invention:
The primary object of the present invention is to provide system and method for customer service in insurance sector by using artificial intelligence technology.
Another object of the present invention is to provide system and method for customer service in insurance sector which enables direct one-to-one communication of customer and representative of insurance company.
Another object of the present invention is to provide system and method for customer service in insurance sector which handles customer queries and complaints.
Summary of the invention:
The present invention discloses system and method for customer service in insurance sector by using artificial intelligence technology. System and method for customer service in insurance sector is comprising of;
Customer service web application
Backend Server – All data related to customer service for insurance sector is stored on server
Any Electronic device which has active internet connection
User/customer has to open the web application of customer service for insurance sector on any smart phone which has active internet connection. User/customer start the live communication to the representative of insurance company. In this live communication user/customer can ask their doubts, queries to representative. Representative answer all the queries and clear all the doubts. Customer/user can also file complaint here and representative handle properly this complaint and try to solve as early as possible.
Brief description of the drawings:
Fig. 1 illustrates flowchart of system for this invention.
Detailed description of the invention:
The present invention discloses system and method for customer service in insurance sector by using artificial intelligence technology.
Artificial intelligence (AI) emphasizes the development of intelligence machines, thinking and working like humans such as: speech recognition, problem-solving, learning and planning.
The goal of Artificial Intelligence is mainly reasoning, knowledge representation, planning, learning, natural language processing, perception and the ability to move an manipulate objects. Artificial intelligence main goal is the general intelligence.
The present invention discloses system and method for customer service in insurance sector by using artificial intelligence technology is comprising of;
Customer service web application
Backend Server – All data related to customer service for insurance sector is stored on server
Any Electronic device which has active internet connection
For any sector, customer/user who believe on the products or service is the greatest treasure. Insurance sector is also one of the sectors, which is depend on their customer/user. For smooth going, insurance companies have to attract number of customers and has to maintain good relationship to the existing old one.
Fig. 1 illustrates system and method for customer service in insurance sector by using artificial intelligence technology is comprising of the steps are as;
Step 1) User has to open web application of customer service for insurance sector on any electronic device
Step 2) User start live one-to-one communication to the representative of insurance company
Step 3) User can ask queries, doubts to representative
Step 4) User also file complaint to representative
Step 5) Insurance company representative solve the queries and clear doubts of user
Step 6) Insurance company representative handles complaint of user
The embodiment of present invention includes backend server. This backend server actually has all the information related to insurance company, its various insurance policies and terms and conditions.
The present invention discloses the system and method for customer service in insurance sector provides one-to-one communication between customer/user and representative of insurance company. When user/customer start the web application of customer service, he/she can type a query or doubt related to insurance policy to communication window. At the backend server, it selects any available random representative of insurance company to communicate with customer at that moment. Then this representative communicates with customer/user. The representative answers the queries and clear the doubts of customer/user. Customer/use get live answer from the representative, no need to wait.
The present embodiment includes one more feature, of registering the complaints. User/customer can register complaints in this application. User/customer will get complaint register number and can check status of complaint time to time. Representative of insurance company handle this complaint and try to resolve this complaint as early as possible. This does not only reduce costs but also improve the customer experience.
Insurance sector is all concentrated about customer. If customer is happy and satisfied then they never left insurance company. They become loyal to the insurance company. Trust is building among customer and insurance company.
The present invention helps to maintain communication between customer and insurance company in good manner. It gives message to customer that they are listen by insurance company which builds relationship between customer and insurance company.
The present disclosed invention customer service in insurance sector has some advantages:
Get more customers – As customers know and understand that insurance company are interested in customers need and queries. And quick response from the representative of insurance company make customer comfortable and feeling like valued customer. Happy customers will definitely like to share their praise and experience with others, this results into increasing the number of referrals for insurance company. Mouth publicity is the best publicity. Due to web application, it is easy to reach even more potential customers.
More capital – Due to increase in customers, insurance company will experience an increase in sales that results more money for repay lenders, hire new employees, invest in the latest technology, and ultimately, expand business. Sales increased results into improvement of cash flow.
Better work environment – Happy customers makes happy employees. Insurance company employee empowered to do work and deliver their work for their customers feel them better. This gives them a job satisfaction.
It improves customer’s experiences which results into increase in sales. Increase in sales lead to more profits with which insurance company hire additional employees.
The present invention can be better understood with the help of examples.
Example 1:
User open the web application of customer service for insurance sector on smart phone which has active internet connection. User start the live communication to the representative of insurance company. User ask query to insurance company representative in live communication. Insurance company representative answer query of user within a minute.
Example 2:
User open the web application of customer service for insurance sector on smart phone which has active internet connection. User start the live communication to the representative of insurance company. User want to file complaint about any insurance related matters. User select option for complaint filing. Insurance company representative help and handles complaint and try to dissolve this complaint as early as possible.
It should be kept in mind that the described embodiment(s) is only presented by way of example and should not be construed as limiting the inventive concept to any particular physical configuration.
The present invention is not limited to components, which is mentioned in the description. Based on the same concept, customer service in insurance sector application can be built. Those who are familiar in the art will understand that a number of variations may be made in the disclosed embodiments, all without departing from the scope of the invention, which is defined solely by the appended claims.