SYSTEM AND METHOD FOR REPORTING A FIRST NOTICE OF LOSS
FIELD
The present invention relates to a novel technique for capturing different forms of
information from a handheld device in accordance with a predefined structure and manner
and more particularly to a handheld mobile device for obtaining multimedia data required for
formulating and reporting a first notice of loss
BACKGROUND
This section is intended to provide a background or context to the invention that is
recited in the claims. The description herein may include concepts that could be pursued, but
are not necessarily ones that have been previously conceived or pursued. Therefore, unless
otherwise indicated herein, what is described in this section is not prior art to the description
and claims in this application and is not admitted to be prior art by inclusion in this section.
First notice of loss is one of the most important procedures which initiates the
insurance claim and subsequent money retrieval process for the insured item. It is intimation
to the insurance company by the insured describing the loss that has occurred to the insured
property. Such intimation is conventionally made over a phone call or an email to the
insurance company generally handled by customer care. There are generally a predefined
set of attributes which are to be supplied to the insurance company by the insured for them
to record it as an insurance claim. It is also usually followed up by a visit by the insurance
agent to the scene of loss for the purpose of assessing the damage to the insured property
and capturing relevant information which can include pictures, vocal description etc. This
insurance agent records his own observations in addition to those supplied by the insured.
He then analyses this information and compares it with the applicable insurance policy to
verify and validate the claim from the insured. Only once this time-consuming course of
action is over, is the payment for the loss finally approved to be paid to the insured
It is essential that the loss is reported in a timely manner and to as exhaustive an
extent as possible. The kind of information required during first notice of loss differs
depending on the type of loss, category of insured property and the kind of insurance poiicy.
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For example, the loss can occur from a minor automobile accident or even a severe fire to a
house or office building. The information gathered can be images, including pictures from
the scene of the incident, vocal description from the insured etc.
There are several disadvantages being presently faced by both the insured and the
insurance company in the conventional technique. These include:
- lack of timely capture of the required information from the scene of the loss and
- possibility of the insurance agent missing out or incorrectly capturing information
while assessing the scene of loss
- possibility of some relevant factors being time-bound which are not available when
the insurance agent arrives at the scene
The present invention overcomes the above-mentioned disadvantages by providing
a mobile device which is capable of capturing the required information to report a first notice
of loss as soon as the loss occurs and immediately making it available to the insurance
company thereby assuring that ali the necessary data is acquired without losing any time
and can therefore serve as relevant first hand information. It also nullifies the additional
practice of an insurance agent visiting the scene. It is thus a allows for a more efficient and
comprehensive account of first notice of loss and also speeds up the claim process
SUMMARY
The present disclosure describes a mobile device for reporting a first notice of loss,
comprising one or more multimedia capturing units configured to obtain visual and / or audio
data at the location where the loss has taken place, one or more guiding units configured to
provide directions detailing the type of and / or manner in which the data is to be captured
and one or more transmitting units configured to send the data to a predetermined
insurance company
The present disclosure also describes a method for reporting a first notice of loss,
comprising the steps of activating one or more guiding units to receive directions for
capturing data at the location where the loss has taken place, accessing one or more
multimedia capturing units based on the directions, capturing data using the multimedia
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capturing units based on the directions and sending the captured data to a predetermined
insurance company
The present disclosure further describes a server for processing a first notice of
loss, comprising one or more receiving units configured to receive one or more first notices
of loss and one or more processing units configured to process the received notices
The present disclosure also describes a system for generating and processing a
first notice of loss, comprising one or more devices configured to generate and send one or
more first notices of loss and one or more servers configured to receive and process the
received notices
The present disclosure introduces a new device which is capable of capturing
multimedia information required to form a first notice of loss at the place where the loss has
occurred. When an insured suffers a loss, he can at that time itself, use this device to
capture the data required to comprehensively describe the incident and aid in building a first
notice of loss. For example, photos of the scene can be captured by a camera, vocal
description can be captured using a microphone and location information can be captured
using a GPS facility. This data can serve as first hand information for the insurance provider
for processing the insured's ciaims against his loss. This novel concept allows for speeding
up the claim process and results in a better service for the insured
BRIEF DESCRIPTION OF DRAWINGS
The following is a brief description of the preferred embodiments with reference to
the accompanying drawings. It is to be understood that the features illustrated in and
described with reference to the drawings are not to be construed as limiting of the scope of
the invention.
In the accompanying drawings:
Figures 1 and 2 illustrate embodiments of a method for reporting a first notice of
loss in accordance with a preferred embodiment of the present disclosure
4-

Figures 3 and 4 illustrate separate embodiments of a mobile device for reporting
a first notice of loss in accordance with the present disclosure.
Figures 5 and 6 illustrate separate embodiments of a server for processing a first
notice of loss in accordance with the present disclosure.
Figures 7 to 9 illustrate embodiments of a system for generating and processing a
first notice of loss in accordance with preferred embodiments of the present disclosure
Figure 10 illustrates a sample template used by the guiding unit to provide
instructions for capturing data
The flowchart and schematic diagrams of Figures 1-7 illustrate the architecture,
functionality, and operations of some embodiments of methods, systems, devices and
computer program products for the invention. In this regard, each block may represent a
module, segment, or portion of code, which comprises one or more executable instructions
for implementing the specified logical function(s). It should also be noted that in other
implementations, the function(s) noted in the blocks may occur out of the order noted in the
figures. For example, two blocks shown in succession may, in fact, be executed substantially
concurrently or the blocks may sometimes be executed in the reverse order, depending on
the functionality involved.
DETAILED DESCRIPTION OF DRAWINGS
Exemplary embodiments now will be described with reference to the accompanying
drawings. The disclosure may, however, be embodied in many different forms and should
not be construed as limited to the embodiments set forth herein; rather, these embodiments
are provided so that this disclosure will be thorough and complete, and will fully convey its
scope to those skilled in the art. The terminology used in the detailed description of the
particular exemplary embodiments illustrated in the accompanying drawings is not intended
to be limiting. In the drawings, like numbers refer to like elements.
The specification may refer to "an", "one" or "some" embodiment(s) in several
locations. This does not necessarily imply that each such reference is to the same
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embodiment(s), or that the feature only applies to a single embodiment. Single features of
different embodiments may also be combined to provide other embodiments.
As used herein, the singular forms "a", "an" and "the" are intended to include the
plural forms as well, unless expressly stated otherwise. It will be further understood that the
terms "includes", "comprises", "including" and/or "comprising" when used in this
specification, specify the presence of stated features, integers, steps, operations, elements,
and/or components, but do not preclude the presence or addition of one or more other
features, integers, steps, operations, elements, components, and/or groups thereof. It will
be understood that when an element is referred to as being "connected" or "coupled" to
another element, it can be directly connected or coupled to the other element or intervening
elements may be present. Furthermore, "connected" or "coupled" as used herein may
include wirelessly connected or coupled. As used herein, the term "and/or" includes any and
all combinations and arrangements of one or more of the associated listed items.
Unless otherwise defined, all terms (including technical and scientific terms) used
herein have the same meaning as commonly understood by one of ordinary skill in the art to
which this disclosure pertains. It will be further understood that terms, such as those defined
in commonly used dictionaries, should be interpreted as having a meaning that is consistent
with their meaning in the context of the relevant art and will not be interpreted in an
idealized or overly formal sense unless expressly so defined herein.
The figures depict a simplified structure only showing some elements and functional
entities, all being logical units whose implementation may differ from what is shown. The
connections shown are logical connections; the actual physical connections may be different.
It is apparent to a person skilled in the art that the structure may also comprise other
functions and structures. It should be appreciated that the functions, structures, elements
and the protocols used in communication are irrelevant to the present disclosure. Therefore,
they need not be discussed in more detail here.
Also, all logical units described and depicted in the figures include the software
and/or hardware components required for the unit to function. Further, each unit may
comprise within itself one or more components which are implicitly understood. These
components may be operatively coupled to each other and be configured to communicate
with each other to perform the function of the said unit.
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Although aspects of the disclosed embodiments will be described with reference to
the embodiments shown in the drawings and described below, it should be understood that
these aspects could be embodied in many alternate forms of embodiments. In addition, any
suitable size, shape or type of elements or materials could be used
Figures 1 and 2 illustrate embodiments of a method for reporting a first notice of
loss in accordance with a preferred embodiment of the present disclosure. Figure 1
specifically provides a data gathering and processing flow. The activity is triggered at a
mobile device when a command is received to capture data for a first notice of loss (101).
One or more guiding units (102) are accessed to adequately obtain the information required
to form a first notice of loss from the scene of loss. In a preferred embodiment, these
instructions are provided in the form of suitable pictorial representations. These
representations depict the manner in which, for example, photographs are to be taken.
In another embodiment the instructions are delivered in the form of a pre-decided
sequence of actions such as that in a wizard. In one implementation, an instruction is given
only once the previous instruction has been carried out. In a preferred embodiment, for all
forms of media suitable representations in each case are provided to make it easy for the
user to capture the required information
In a preferred embodiment, the instruction set is built by using sample and/or
legacy data as a basis. In another embodiment, each of the instruction sets is based on the
insurance policy the user of the device is registered with. In this case the information
required to build a first notice of loss is based on the insurance policy it is required for.
In a preferred embodiment, login details are received for authentication
In an embodiment, the insurance policy details are retrieved from the server of the
insurance company or any other predefined server
In an embodiment, the insurance policy details are retrieved on the identification of
the user on the basis of his login details after they have been authenticated. In a preferred
embodiment the verification is performed based on data received from the server of the
insurance company
7
In an embodiment, the instruction set is formulated or selected based on the
details of the retrieved insurance policies
In a preferred embodiment, the instructions and other guidance information from is
displayed on the screen of the device. This information may also be provided in the form of
audible signals or an instructional video. In a preferred embodiment, it is possible to sense
when an action has been performed in accordance with the instructions. The next set of
instructions may then be displayed or alternatively corrections or a substitute set of
instructions may be provided to replace the previous set.
In an embodiment, the input to form the instruction set is received from an
external server or device and is used to form the instruction set. In another embodiment the
instructions are received from an externa! device or server.
In accordance with the instructions provided, one or more media capturing units
are accessed to obtain different forms of information at the scene of loss (103) and data is
captured (104). The information captured can be audio and/or visual including photographs,
audio clips, video clips etc and in a preferred embodiment can also include the location data
of the scene of loss. In another embodiment, location data is also captured. The location
data can be captured using, for example, GPS, Mobile Network ID and/or Wi-Fi technologies.
This location data can be used to determine areas near the scene of loss for various
purposes and can be, as examples, repair shops, support centers or hospitals.
As an example, a camera can be accessed to capture photographs, a video camera
can be used to capture footage and a recorder may be used to tape audio data from the site
where the loss has taken place. In an embodiment, the audio data may aiso comprise of
prerecorded clips.
In an embodiment, the captured data is formatted in the form of a first notice of
loss.
In an embodiment, the captured data is stored the data in a predefined internal or
external storage location
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The captured and/or formatted data is then transmitted to a predefined location
which in a preferred embodiment is the server of the insurance company (105). In another
embodiment the predefined location is a server which processes the information in a
predefined format which in a preferred embodiment is the format of a first notice of ioss and
forwards it to the server of the insurance company. In a preferred embodiment, the
transmitted data is then uploaded at the server of the insurance company
In an embodiment, the data which is captured from the scene of loss is stored and
transmitted at preset time. In another embodiment, the data is transmitted as it is being
captured. In yet another embodiment, the data is transmitted in one go after al! of it has
been captured and collated. In another embodiment, the data is stored and is transmitted
when prompted or when a command is received
In a preferred embodiment, an acknowledgement clarifying safe receipt of the data
being transferred is received.
Figures 3 and 4 illustrate separate embodiments of a mobile device for reporting
a first notice of loss in accordance with the present disclosure. The mobile device is
connected to a communication network and comprises of one or more guiding units (201)
which are enabled to provide directions, tips, hints and other guidance about the usage of
the available media capturing units (202) to adequately obtain the information required to
form a first notice of loss from the scene of loss. The guiding unit (201) is aware of the
media capturing units (202) available at the device or those it can communicate with. Any
changes in the availability of media capturing units or addition of new units or up-gradation
of existing units and/or their status is registered at the guiding unit (201). In a preferred
embodiment the guiding unit is configured to provide these instructions in the form of
suitable pictorial representations. These representations depict the manner in which, for
example, photographs are to be taken.
In another embodiment the guiding unit (201) is configured to deliver the
instructions in the form of a pre-decided sequence of actions such as that in a wizard. In one
implementation, an instruction is given only once the previous instruction has been carried
out. In a preferred embodiment, for all forms of media suitable representations in each case
are provided to make it easy for the user to capture the required information
9

In a preferred embodiment, the guiding unit (201) is configured to use sample
and/or legacy data to build the instruction set provided to the user. In another embodiment,
each of the instruction sets is based on the insurance policy the user of the device is
registered with. In this case the information required to build a first notice of loss is based
on the insurance policy it is required for,
In an embodiment, one or more receiving units (204) are configured to retrieve the
insurance policy details are retrieved from the server of the insurance company or any other
predefined server
In an embodiment, the guiding unit (201) is configured to formulate or select the
instruction set based on the details of the retrieved insurance policies
In an embodiment, the receiving unit (204) is configured to retrieve the insurance
policy details on the identification of the user on the basis of his login details. In a preferred
embodiment, a login unit (207) is configured to receive and verify these login details.
Preferably, the login unit (207) is configured to send these login details for verification at the
server of the insurance company
In a preferred embodiment, the guiding unit (201) is configured to display the
instructions and other guidance information on the screen of the device. This information
may also be provided in the form of audible signals or an instructional video. In a preferred
embodiment, the guiding unit (201) is configured to sense when an action has been
performed in accordance with the instructions. It may further be configured to then display
the next set of instructions or alternatively provide corrections or a substitute set of
instructions to replace the previous set.
In an embodiment, the guiding unit (201) is configured to receive input from an
external server or device which it communicates with and uses this input to form the
instruction set. In another embodiment the guiding unit (201) is configured to receive the
instructions from an external device or server.
The device aiso comprises of one or one or more media capturing units (202)
which, in accordance with the instructions provided by the guiding unit (201), can be
accessed to obtain different forms of information from the scene of loss. The information
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captured can be audio and/or visual including photographs, audio clips, video clips etc and in
a preferred embodiment can aiso include the location data of the scene of loss. In another
embodiment, location data is captured using a location determination unit (205). The
location data can be captured using, for example, GPS, Mobile Network ID and/or Wi-Fi
technologies. This iocation data can be used to determine areas near the scene of loss for
various purposes and can be, as examples, repair shops, support centers or hospitals.
As an example, a camera can be accessed to capture photographs, a video camera
can be used to capture footage and a recorder may be used to tape audio data from the site
where the loss has taken place. In an embodiment, the audio data may aiso comprise of
prerecorded clips,
In a preferred embodiment, the multimedia capturing units (202) are located within
the device and are directly connected with the guiding unit (201). In another embodiment,
the multimedia capturing units (202) communicate with an externally located guiding unit
(201).
In an embodiment, the guiding unit (201) is configured to format the data captured
by the media capturing units (202) in the form of a first notice of loss.
In an embodiment, the guiding unit (201) is configured to store the data captured
by the media capturing units (202) in a predefined internal or external storage location (206)
The device further consists of atleast one transmitting unit (203) which is
configured to transmit the captured data to a predefined location which in a preferred
embodiment is the server of the insurance company. In another embodiment the predefined
location is a server which processes the information in a predefined format which in a
preferred embodiment is the format of a first notice of loss and forwards it to the server of
the insurance company. In a preferred embodiment, the transmitted data is then configured
to be uploaded at the server of the insurance company
In an embodiment, the data which is captured from the scene of loss is configured
to be stored at a storage unit (206) and transmitted at preset time. In another embodiment,
the transmitting unit (203) is configured to transmit the data as it is being captured. In yet
another embodiment, the transmitting unit (203) is configured to transmit the data in one go
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after all of it has been captured and collated. In another embodiment, the transmitting unit
is configured to store the data and transmit it when prompted or when a command is
received
In a preferred embodiment, the mobile device comprises one or more receiving
units (204) which are configured to receive an acknowledgement of the data being
transferred. This acknowledgement preferably comprises an identifier which uniquely relates
to the first notice of loss.
Figures 5 and 6 illustrate separate embodiments of a server for processing a first
notice of loss in accordance with the present disclosure. The server is connected to a
communication network and comprises of one or more receiving units (301) which are
enabled to receive one or more first notices of loss. In a preferred embodiment, the
receiving units (301) are configured to receive these notices from registered mobile devices.
In another preferred embodiment, the receiving units (301) are configured to also
receive user information from these devices or in another embodiment retrieve it based on
the registered device details.
In yet another preferred embodiment, the receiving units (301) are configured to
receive and verify login details from one or more registered mobile devices
The server also comprises of one or more processing units (302) which are
configured to process the received notices of loss for further action. In a preferred
embodiment the processing relates to claim verification and analysis. These are preferably
analyzed against one or more insurance policies. These policies are preferably selected
based on the nature of loss and are selected from the insurance policies the mobile device is
registered with
In a preferred embodiment, the processing unit (302) is enabled to retrieve the
insurance policy details pertaining to the mobile device the first notice of loss is received
from.
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In another preferred embodiment, the server also comprises of one or more
integration units (303) which are configured to communicate with one or more identified or
predefined servers for primary or further claim processing and / or verification.
In yet another preferred embodiment, the server also comprises of one or more
transmission units (304) which are configured to acknowledge the receipt of the notice. This
acknowledgement preferably comprises an identifier which uniquely relates to that first
notice of loss.
In a preferred embodiment, the server further comprises of one or more retrieval
units (305) which are configured to retrieve from an internal or external locations, insurance
policy details pertaining to the mobile device based on the received login details
In a preferred embodiment, the server also comprises one or more display units
(306) which are configured to display the details of the received first notices of loss. In an
embodiment, the display units (306) are also configured to display the details of the
applicable insurance policies and also that of the user of the registered mobile device. In
another embodiment, these details can be accessed only by a restricted set of people
Figures 7 to 9 illustrate embodiments of a system for generating and processing a
first notice of loss in accordance with preferred embodiments of the present disclosure.
Figure 8 specifically provides a system overview and figure 9 specifically provides a solution
architecture. The system comprises of one or more devices (401) which are configured to
generate and send one or more first notices of loss.
The system also consists of one or more servers (402) configured to receive and
process the received notices
In a preferred embodiment, the devices (401) are registered with atleast one of the
servers (402)
In another preferred embodiment, the system comprises of one or more integration
devices (403) configured to integrate with the servers for claim verification and / or
processing
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In an example Implementation, the device is a mobile device. There are 3 major
components involved as follows:
1. Mobile Client module
The core function of collecting the claim data is handled by this module. The
information gathering process is simple and guides the user interactively. While capturing the
images of the loss scene, the module maintains a profile image set for each category of ioss.
Say for an automobile accident, a iist of automobile template images of different perspective
is maintained so that the user can match the template image with the actual damaged
vehicle. The major functions of the mobile client application are:
Providing an interface for the user to gather information about the loss
- Uploading the date to the central server
- Managing the claim request locally if requested by the user
This module can operate on any available mobile platforms and uses the receiver services of
the central server for submitting the claim.
2. Central Server Module
The server component has several sub components that handles each
specified function.
- Receiver Services: Exposes services through which the mobile client can
communicate with the central server
- Admin Portal: Interface for admin operations which include user management and
claim management
- User Authentication: Validates the mobile ciient user for using the services.
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- Security: Handles the secure transmissions of date from server to client and vice
versa
- Logging and Auditing: Logs every event of the claim flow and can be presented to
the admin.
Exception Handling: Comes into picture whenever any exception occurs.
- Integration Services: Exposes services through which third party ciaim systems can
be integrated to carry on the claim process.
3. Backend Servers
Backend servers are required when the claim has to be forwarded to other
system to initiate further processing.
As will be appreciated by one of skill in the art, the present invention may be
embodied as a method, system, or computer program product. Accordingly, the present
invention may take the form of an entirely hardware embodiment, a software embodiment or
an embodiment combining software and hardware aspects all generally referred to herein as
a "circuit" or "module." Furthermore, the present invention may take the form of a computer
program product on a computer-usable storage medium having computer-usable program
code embodied in the medium.
Any suitable computer readable medium may be utilized including hard disks, CD-
ROMs, optical storage devices, a transmission media such as those supporting the Internet
or an intranet, or magnetic storage devices.
Computer program code for carrying out operations of the present invention may
be written in an object oriented programming language such as Java®, Smalltalk, C++,
Objective C and C#. However, the computer program code for carrying out operations of the
present invention may also be written in conventional procedural programming languages,
such as the "C" programming language and/or a lower level assembler language. The
Programming code can be any action scripts such as Flash, Flex, JavaFX or SiiverUght. The
15

program code may execute entirely on the user's computer (i.e., controller of the user's
mobile terminal), partly on the user's computer, as a stand- alone software package, partly
on the user's computer and partly on a remote computer or entirely on the remote
computer. In the latter scenario, the remote computer may be connected to the user's
computer through a local area network (LAN) or a wide area network (WAN), or the
connection may be made to an external computer (for example, through the Internet using
an Internet Service Provider).
Furthermore, the present invention was described in part above with reference to
flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer
program products according to embodiments of the invention.
It will be understood that each block of the flowchart illustrations and/or block
diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams,
can be implemented by computer program instructions. These computer program
instructions may be provided to a processor of a general purpose computer, special purpose
computer, or other programmable data processing apparatus to produce a machine, such
that the instructions, which execute via the processor of the computer or other
programmable data processing apparatus, create means for implementing the functions/acts
specified in the flowchart and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer- readable
memory that can direct a computer or other programmable data processing apparatus to
function in a particular manner, such that the instructions stored in the computer-readable
memory produce an article of manufacture including instruction means which implement the
function/act specified in the flowchart and/or block diagram block or blocks.
The computer program instructions may also be loaded onto a computer or other
programmable data processing apparatus to cause a series of operational steps to be
performed on the computer or other programmable apparatus to produce a computer
implemented process such that the instructions which execute on the computer or other
programmable apparatus provide steps for implementing the functions/acts specified in the
flowchart and/or block diagram block or blocks.
16

In the drawings and specification, there have been disclosed exemplary
embodiments of the invention. Although specific terms are employed, they are used in a
generic and descriptive sense only and not for purposes of limitation, the scope of the
invention being defined by the following claims
17

We claim:

1. A mobile device for reporting a first notice of loss, comprising:
- one or more multimedia capturing units configured to obtain visual and / or audio
data at the location where the loss has taken place;
- one or more guiding units configured to provide directions detailing the type of and
/ or manner in which the data is to be captured; and
- one or more transmitting units configured to send the data to a predetermined
insurance company;
2. A mobile device as claimed in claim 1, comprising:
- one or more storage units configured to store the captured data;
3. A mobile device as claimed in any of the preceding claims, comprising:
- one or more location determination units configured to capture location data
4. A mobile device as claimed in claim 3, wherein the location determination units are
configured to use one or more of GPS, Mobile Network ID and Wi-Fi technologies
5. A mobile device as claimed in claim 3 or 4, wherein the location data is used to identify
nearby locations
6. A mobile device as claimed in claim 5, wherein the nearby locations comprise one or
more of repair shops, support centers, hospitals and agents
7. A mobile device as claimed in any of the preceding claims, comprising:
- one or more login units configured to receive login details for authentication
8. A mobile device as claimed in claim 7, comprising:
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- one or more receiving units are configured to retrieve the details of one or more
insurance policies based on the login details
9. A mobile device as claimed in claim 8, wherein the directions to capture data are based
on the insurance policies
10. A mobile device as claimed in any of the preceding claims, wherein the guiding units
are configured to provide directions in the form of a wizard
11. A mobile device as claimed in any of the preceding claims, wherein the instructions
comprise sample pictures based on which photographs are to be captured
12. A mobile device as claimed in any of the preceding claims, wherein the transmitting
units are configured to send the data to the insurance company electronically
13. A mobile device as claimed in any of the preceding claims, wherein the transmitting
units are configured to transmit the data immediately after is has been captured
14. A mobile device as claimed in any of the preceding claims, wherein the transmitting
units are configured to transmit the data as it is being captured
15. A mobile device as claimed in any of the preceding claims, wherein the data is stored
in an internal storage and the transmitting units are configured to transmit the data at
a preset time
16. A mobile device as claimed in any of the preceding claims, wherein the transmitting
units are configured to upload the data at a predefined server
17. A mobile device as claimed in any of the preceding claims, comprising:
- one or more receiving units configured to receive an identifier associated with the
first notice of loss
18. A mobile device as claimed in any of the preceding claims, wherein the device is a
cellular mobile phone
19

19. A mobile device as claimed in any of the preceding claims, wherein the visual data
comprises photographs and / or video clips
20. A mobile device as claimed in any of the preceding claims, wherein the audio data
comprises one or more prerecorded clips
21. A method for reporting a first notice of loss, comprising the steps of:

- activating one or more guiding units to receive directions for capturing data at the
location where the loss has taken place;
- accessing one or more multimedia capturing units based on the directions;
- capturing data using the multimedia capturing units based on the directions; and
- sending the captured data to a predetermined insurance company;

22. A method as claimed in claim 21, wherein the captured data comprises audio, visual
and / or location data
23. A method as claimed in claim 22, wherein the visual data comprises photographs and /
or video clips
24. A method as claimed in any of claims 21 to 23, comprising:
- storing the captured data;
25. A method as claimed in any of claims 21 to 24, comprising:
- receiving login details for authentication;
26. A method as claimed in any of claims 21 to 25, wherein details of one or more
insurance policies are retrieved based on the login details
27. A method as claimed in claim 26, wherein the directions to capture data are based on
the one or more insurance policies
20

28. A method as claimed in any of claims 21 to 27, wherein the directions are provided in
the form of a wizard
29. A method as claimed in any of claims 21 to 28, wherein the instructions comprise
sample pictures based on which photographs are to be captured
30. A method as claimed in any of claims 21 to 29, wherein the data is sent to the
insurance company electronically
31. A method as claimed in any of claims 21 to 30, comprising the step of:
- uploading the data at the server of the insurance company
32. A method as claimed in any of claims 21 to 31, comprising the step of:
- receiving an identifier associated with the first notice of loss
33. A method as claimed in any of claims 21 to 32, wherein the data is captured using the
instructions in a sequential manner
34. A method as claimed in any of claims 21 to 33, wherein the data is transmitted
immediately after is has been captured
35. A method as claimed in any of claims 21 to 34, wherein the data is transmitted as it is
being captured
36. A method as claimed in any of claims 21 to 35, wherein the data is stored in an
internal storage and is transmitted at a preset time
37. A method as claimed in any of claims 21 to 36, wherein the data is stored in an
internal storage and is transmitted when prompted / command is received
38. A server for processing a first notice of loss, comprising:
21

- one or more receiving units configured to receive one or more first notices of loss;
and
- one or more processing units configured to process the received notices
39. A server as claimed in claim 38, comprising:
- one or more integration units configured to integrate with one or more predefined
servers for claim verification and / or processing
40. A server as claimed in claim 38 or claim 39, comprising:
- one or more transmission units configured to send an acknowledgement verifying
the receipt of the notice
41. A server as claimed in claim 40, wherein the acknowledgement includes an identifier
associated with the first notice of loss
42. A server as claimed in any of claims 38 to 41, wherein the processing units are
configured to process the first notice of loss against one or more insurance policies
43. A server as claimed in any of claims 38 to 42, wherein the receiving units are
configured to receive and verify login details from the devices
44. A server as claimed in claim 43, comprising:
- one or more retrieval units configured to retrieve insurance policy details based on
the login details
45. A server as claimed in any of claims 38 to 44, comprising:
- one or more display units configured to display the received first notices of loss
46. A system for generating and processing a first notice of loss, comprising:
22

- one or more devices configured to generate and send one or more first notices of
loss; and
- one or more servers configured to receive and process the received notices
47. A system as claimed in claim 46, comprising:
- one or more integration devices configured to integrate with the servers for claim
verification and / or processing
48. A system as claimed in claim 47, wherein the devices are registered with atleast one of
the servers

Dated this 01st day of July 2010

Of Anand and Anand Advocates
Agents for the Applicant