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System And Method To Remotely Inspect Entities For Insurance

Abstract: A System and method to remotely inspect entities for Insurance comprising a controller with storage, compute and network communication capability, one or many Administrator modules that have connectivity to controller and have WebRTC API and one or many Agent module with flexibility to move around the entity and high resolution video and picture capability and secure connectivity capability via a high speed connection and WebRTC API along with barcode scanning and Bluetooth capability.

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Notices, Deadlines & Correspondence

Patent Information

Application #
Filing Date
02 September 2014
Publication Number
47/2014
Publication Type
INA
Invention Field
COMPUTER SCIENCE
Status
Email
Parent Application

Applicants

SUNIL GUPTA
C - 499, GROUND FLOOR, SUSHANT LOK-1, GURGAON-122002

Inventors

1. SUNIL GUPTA
C - 499, GROUND FLOOR, SUSHANT LOK-1, GURGAON-122002

Specification

Field of Invention The invention integrates a central insurance company Administrator and vehicle (hereon referred as entity) Inspector with a secure network to affect an inspection procedure through the administrator controlled network. A convenient user interface combining handheld instruments and conventional displays and printers allows the Administrator and Inspector to interact with the system. The Controller provides storage for programs, information and processing power to implement entity inspection regimens in logical order relating to completion of the inspection. Background of the Invention and Prior Art India is the 5th largest insurance market in Asia with a $30 billion insurance industry. It's growing at very high pace due to disposable incomes and savings and increasing urbanization and awareness, the insurance is expected to grow radically in the new future. Motor insurance is the largest business segment in the insurance sector in India as it constitutes 44% of the total insurance market. Large market size and complex geographical dimensions of India makes Insurance companies to have presence in all parts of India. This has resulted in many types of frauds in entity insurance: Non-existent or phantom entities using fraudulent Vehicle Identification Numbers. Claims for damage that existed when entity was purchased. "Paper Car" and counterfeit title frauds using falsified documents. Salvage schemes involving titles and VIN plates from salvaged entities. Duplicate car frauds using same VIN plate and documentation. Duplicate title frauds: to collect claims from sale of entity, and theft claims. Increasing claim value by adding equipment and accessories not in entity. Import/Export frauds using authentic documentation for entities residing in another country. Staging accidents or claiming accidents that never occurred. Multiple policy frauds to collect on multiple claims. Mandatory inspection as a requisite for obtaining entity insurance is the only proven deterrent to entity insurance fraud. To date, it is the only strategy that has proven successful in significantly reducing fraudulent claims and stabilizing insurance rates. The possibility of future claims for the theft of non-existent vehicles or the repair of vehicles with prior damage is greatly reduced if policy-holder goes through vehicle inspection process to prove the existence and condition of a entity. The benefits of the photo inspection process extend far beyond the inspection report itself. In addition to its deterrent value, photographic evidence also provides an excellent investigative tool. The major benefit of pre-insurance entity inspection lies in its pro-active rather than reactive attributes. It allows the insurance carrier to take action to prevent an Insurance fraud from occurring, rather than passively allowing criminals and dishonest citizens to create economic havoc for the motoring public. At present, entity inspection is mostly manually administered by sending an authorized personal to the entity. Inspector inspects the entity, takes photographs and submits a physical report to insurance company. Administrator then reviews the reports and insurance company grants or denies the insurance. Generally, inspection takes place at a special inspection facility. Current method has multiple drawbacks: 1. Miss-reporting by individual inspecting the entity, causing loss to insurance company. 2. If entity is in a remote rural location with no inspection facility, it's not possible to inspect the entity because of large distances and hence no insurance is provided. 70% of vehicles are uninsured in rural areas because of non-availability of inspection facility causing loss of business to insurance industry and high risk to the owner of entity. 3. Inspection by individual needs a lot of travel and expenses in the form of conveyance and manpower causing increase in cost of Insurance Company. Objective of the Invention The primary objective of the invention is to enable Insurance companies to conduct entity inspection in remote locations in a reliable, secure and cost effective method. It is also the objective of the invention to provide a smart, cost effective and effortless procedure of doing inspection of the entity. Another object of the invention is to devise a method for logical & flaw less inspection & survey of entities. A further objective of the invention is to reduce or eliminate miss reporting by developing cookie-cutter procedure that can reduce human error to the minimal. Summary of the Invention The invention integrates a central Administrator and remote entity Inspector with a secure network to affect an inspection procedure through the Administrator controlled network comprising of a central computer on one side and hand held device on other side. A convenient user interface combined with handheld instruments and conventional displays and printers allows the Administrator and Inspector to interact with the system. The computer provides storage for programs and information and processing power to implement entity inspection regimens in logical order relating to completion of the inspection. The invention further describes an entity inspection regimens for flawless entity inspection using computer systems, Administrator controlled network and publically available information. Brief Description of the Invention Described herein are embodiments of remote entity inspection by integrating central Administrator and remote Entity Inspector with a secure network to effect an inspection procedure through the Administrator controlled network comprising of a central computer on one side and hand held device on other side. Administrator will provide Entity Inspector instructions and method to conduct entity inspection via convenient user interface. Entity inspector will conduct physical inspection, video inspection, taking picture of pre-defined pictures of the entity and 30 seconds video of working of the entity. In another embodiment, a method to manage inspections remotely using following hitech systems: • General purpose Computers that can connect via secure network. • Central Server to store and process the test regimens. • Hand-held device with ability to take high-resolution pictures and videos at 30 frames per second. • High-speed network connectivity that can transmit high resolution images and video securely and in real time. • WebRTC API or any abstraction including EasyRTC API availability for video chatting. WebRTC (Web Real-Time Communication) is an Application Programming Interface (API) definition drafted by the World Wide Web Consortium (W3C) that supports browser-to-browser applications for voice calling, video chat, and P2P file sharing without plugins. • The high-tech system includes a barcode scanner and Bluetooth connectivity. Entity inspection regimens will provide the Administrator and Inspector with a stepwise procedure to collect information including textual and photographic and validating it with internal and external agencies using Administrator controlled network. Physical Inspection of the entity by Inspector will include streaming video inspection by Administrator remotely. Administrator will guide Inspector on specific steps about taking picture of entity from all sides with pre-defined angles, specific components and 30 seconds video of working of the entity. H Example: Inspection of Car will include taking picture of car from front/back/left/right/, number plate. Engine No. Chassis No., ODO meter, copy of RC, total 10-12 pictures and 30 seconds video to see that if car is functioning properly. Detailed description of tlie Figures and Invention Fig 1 illustrates Administrator Controlled Network Fig 2 illustrates process of the invention Pic 3 shows front top view of the entity Pic 4 shows front bottom view of the entity Pic 5 shows rear top view of the entity Pic 6 shows rear bottom view of the entity Entity inspection system and procedure is designed to verify and document the existence of the entity, as well as its condition and existing options and accessories. The primary goal of the inspection process is to help lower the cost of insurance coverage for physical damage by significantly reducing opportunities for fraudulent claims and also provide inspection facility for rural India at very low cost. Third Party Pjblicly availabbMMMiffCcUulr * nt:work lA IB IwJi IC Sicii'e Channel 1 1 a p ":-: 29 SecLir«0«rnel 3A 1. Agent Module 2. Controller 11 3. Administrator Module Pjblic^ available tecure ne:work \Q Insurance Company Fig 1: Administrator Controlled Network There are three main modules of the invention - Administrator, Controller and Agent. One Controller can handle multiple Administrator modules and one Administrator module can handle multiple Agent modules via the controller. Communication between Administrator and Agent module happens via secure channel controlled by Administrator - Administrator controlled network. Administrator, using Administrator module, can have video conversation, give instructions and request pictures & videos through Inspector using Agent module. Administrator can review the information and visuals via video stream on Administrator console (3A) and approve it via a convenient user interface. This will initiate further steps in the insurance procedure. Herein invention is now described with respect to the Fig1: Invention comprises of three main modules - Agent, Controller and Administrator - and Third Party server connectivity. 6 Agent (1) is a flexible device that can be moved around the entity. Agent can be general-purpose computer (1A or 1B) or a hand held device (1C) mounted on special contraption or otherwise to allow it to move around the entity at specified height and leveled to the ground. Agent module (1) is capable of taking high-resolution pictures, scanning, videos at 30 frames per second and Bluetooth connectivity. It allows highspeed connectivity to transmit images and video securely and in real time to the Controller (2). To allow video conversation between the Administrator and Inspector, Agent is equipped with WebRTC API. Agent is equipped with barcode scanning capability for faster data input. Administrator (3) can be flexible or fixed console (3A) connected to Controller (2). This module is equipped with ability to render images and play video, communicate with Controller (2) for additional information. This module is also equipped with WebRTC API to enable video conversation with Agent module (1). Controller comprises three units - Storage (2A), Compute (2B) and connectivity. Storage (2A) is used for storing and logging all the conversation between 1 and 3 and also to store the application along with pictures and video. Compute unit (2B) is used to analyze the data submitted by the agent for authenticity and verifying it with third party. Following section describes the process for using the device and corresponding steps. LV 2. Login to Agent's account using Agent Module 3. Collects Entity and Entity owner information 5a. Agent to try again at another time 4. Requests an Administrator session by submitting tlie request -(£>• 6. Session established and Administrator is able to instruct Agent through audio-visual methods Inspection Complete 12. Controller transmits report to Insurance Company 11. Controller saves the information along with final report 10. Administrator generates the report 9. Administrator closes connection once satisfied; System checl

Documents

Application Documents

# Name Date
1 2495-del-2014-Abstract.pdf 2014-11-14
1 2495-del-2014-GPA.pdf 2014-11-14
2 2495-del-2014-Claims.pdf 2014-11-14
2 2495-del-2014-Form-9.pdf 2014-11-14
3 2495-del-2014-Description (Complete).pdf 2014-11-14
3 2495-del-2014-Form-5.pdf 2014-11-14
4 2495-del-2014-Form-1.pdf 2014-11-14
4 2495-del-2014-Form-3.pdf 2014-11-14
5 2495-del-2014-Form-2.pdf 2014-11-14
6 2495-del-2014-Form-1.pdf 2014-11-14
6 2495-del-2014-Form-3.pdf 2014-11-14
7 2495-del-2014-Description (Complete).pdf 2014-11-14
7 2495-del-2014-Form-5.pdf 2014-11-14
8 2495-del-2014-Claims.pdf 2014-11-14
8 2495-del-2014-Form-9.pdf 2014-11-14
9 2495-del-2014-Abstract.pdf 2014-11-14
9 2495-del-2014-GPA.pdf 2014-11-14