The present disclosure relates to the field of informatics. In particular, the present disclosure provides a system for facilitating interaction between insured user and insurance provider.
BACKGROUND
[0002] Background description includes information that may be useful in understanding the present disclosure. It is not an admission that any of the information provided herein is prior art or relevant to the presently claimed disclosure, or that any publication specifically or implicitly referenced is prior art. [0003] Insurance providers lack essential communication with insured/to be insured users due to absence of suitable interaction interfaces and systems. Difficulty in access to potential clients, insurance related discussions and advice, time, high price, fraudulent activities and handling of huge volume of information are critical disadvantages that discourages interactions between users and insurance providers. Therefore it would be beneficial to develop a system for facilitating interaction between insured/to be insured users and insurance providers through advanced modern technologies.
[0004] Existing literature describes a system and method configured to interpret natural language requests and handle natural language responses in conversation. A computer based application facilitated to providing a method for analyzing insurance documents has been disclosed by a prior art. Natural language processing based assistive system and method for consumer support have been discussed in another existing literature. A digital assistant platform for multiple services based on queries placed by users has also been disclosed in a prior-art. Separately, improvements in insurance related services using natural language processing techniques have been described by another literature. However none of the existing disclosures provide a complete set of functional blocks that can enhance effective communication between users and insurance providers. [0005] Therefore, there is need in the art to provide a system for facilitating effective interaction between insured/to be insured users and insurance providers.

The proposed system uses cognitive automation, computer vision, virtual assistance, internet of things, natural language processing and predictive analysis for information exchange by artificial intelligence based processing.
OBJECTS OF THE PRESENT DISCLOSURE
[0006] Some of the objects of the present disclosure, which at least one embodiment herein satisfies are as listed herein below.
[0007] It is an object of the present disclosure to provide a system for facilitating interaction between insured users and insurance providers using features including computer vision, cognitive automation, virtual assistant, predictive analysis, internet-of-things and natural language processing. [0008] It is an object of the present disclosure to provide a system for facilitating interaction between insured users and insurance providers that enables one or more sensors to detect and monitor a first set of one or more attributes pertaining to verification, validation and claim settlement of insurance policies. [0009] It is an object of the present disclosure to provide a system for facilitating interaction between insured users and insurance providers that enables one or more input and output units to receive inputs from one or more first entities and display information to the one or more first entities.
[0010] It is an object of the present disclosure to provide a system for facilitating interaction between insured users and insurance providers that enables transmission of information bidirectionally between the one or more input and output units and one or more processing units through one or more communication networks.
[0011] It is an object of the present disclosure to provide a system for facilitating interaction between insured users and insurance providers that enables one or more sensors to detect and monitor a first set of one or more attributes pertaining to verification, validation and claim settlement of insurance policies. [0012] It is an object of the present disclosure to provide a system for facilitating interaction between insured users and insurance providers that enables the one or more processing units to perform a set of operations and

correspondingly generate information in response to queries placed by the one or more first entities.
[0013] It is an object of the present disclosure to provide a system for facilitating interaction between insured users and insurance providers that enable the one or more processing units to generate information based on predictive analysis of information pertaining to interaction with the one or more first entities and transmit the information to one or more second entities.
SUMMARY
[0014] The present disclosure relates to the field of informatics. In particular,
the present disclosure provides a system for facilitating interaction between
insured user and insurance provider.
[0015] An aspect of the present disclosure is to provide a system that may
facilitate interaction between insured users and insurance providers using features
including computer vision, cognitive automation, virtual assistant, predictive
analysis, internet-of-things and natural language processing.
[0016] In an aspect, the system may include one or more sensors, one or more
input and output units associated with one or more first entities and one or more
processing units communicatively coupled to the one or more sensors and the one
or more input and output units through one or more communication networks.
[0017] In an aspect, the one or more processing units may be associated with
one or more second entities pertaining to insured/to be insured users.
[0018] In an aspect, the one or more second entities may pertain to insurance
providers.
[0019] In an aspect the one or more sensors may be enabled to detect and
monitor a first set of one or more attributes pertaining to verification, validation
and claim settlement of insurance policies.
[0020] In an aspect the one or more sensors may be enabled to detect any or a
combination of images, videos, audio, text, visual signals, signals from fire alarm,
speed detector, fires and health parameters, safety surveillance, burglar alarm,
accident parameters, agricultural and infrastructural parameters.

[0021] In an aspect the one or more input and output units may be enabled to
receive inputs from one or more first entities, the inputs pertaining to queries,
applications, additions, alterations, procurement, redemption, withdrawal,
renewal, upgrade, claims and termination requests for insurance policies.
[0022] In an aspect the one or more input and output units may be enabled to
display information received from the one or more second entities and the one or
more processing units to the one or more first entities.
[0023] In an aspect the one or more communication networks may be enabled
to transmit information bidirectionally from the one or more input and output
units to the one or more processing units and vice versa.
[0024] In an aspect the one or more processing units may be enabled to
perform a set of operations and correspondingly generate information in response
to queries placed by the one or more first entities.
[0025] In an aspect the one or more processing units may be enabled to
generate predictive analysis of information pertaining to interactions between the
one or more first entities and the one or more processing units, the predictive
analysis being transmitted to the one or more second entities associated with the
one or more processing units.
BRIEF DESCRIPTION OF THE ACCOMPANYING DRAWINGS
[0026] The accompanying drawings are included to provide a further
understanding of the present disclosure, and are incorporated in and constitute a
part of this specification. The drawings illustrate exemplary embodiments of the
present disclosure and, together with the description, serve to explain the
principles of the present disclosure.
[0027] The diagrams described herein are for illustration only, which thus are
not limitations of the present disclosure, and wherein:
[0028] FIG. 1 illustrates exemplary network architecture (100) of the
proposed system for facilitating insured user and insurance provider interactions,
to elaborate upon its working in accordance with an embodiment of the present
disclosure.

[0029] FIG. 2 illustrates exemplary functional blocks (200) of the processing
unit (108) pertaining to the proposed system for facilitating insured user and
insurance provider interactions, in accordance with an embodiment of the present
disclosure.
[0030] FIG. 3 illustrates exemplary flow diagram (300) of the proposed
system for facilitating insured user and insurance provider interactions, in
accordance with an embodiment of the present disclosure.
DETAILED DESCRIPTION
[0031] In the following description, numerous specific details are set forth in
order to provide a thorough understanding of embodiments of the present
invention. It will be apparent to one skilled in the art that embodiments of the
present invention may be practiced without some of these specific details.
[0032] If the specification states a component or feature "may", "can",
"could", or "might" be included or have a characteristic, that particular component
or feature is not required to be included or have the characteristic.
[0033] As used in the description herein and throughout the claims that
follow, the meaning of "a," "an," and "the" includes plural reference unless the
context clearly dictates otherwise. Also, as used in the description herein, the
meaning of "in" includes "in" and "on" unless the context clearly dictates
otherwise.
[0034] While embodiments of the present invention have been illustrated and
described in the accompanying drawings, the embodiments are offered only in as
much detail as to clearly communicate the disclosure and are not intended to limit
the numerous equivalents, changes, variations, substitutions and modifications
falling within the spirit and scope of the present disclosure as defined by the
appended claims.
[0035] The present disclosure relates to the field of informatics. In particular,
the present disclosure provides a system for facilitating interaction between
insured/to be insured user and insurance provider.

[0036] FIG. 1 illustrates exemplary network architecture (100) of the proposed system for facilitating insured user and insurance provider interactions, to elaborate upon its working in accordance with an embodiment of the present disclosure.
[0037] In an embodiment, the system (100) may include one or more sensors (102) configured to detect and monitor a first set of one or more attributes. In an exemplary embodiment, the first set of one or more attributes may be related to insurance policies for claim settlements, verification and validation of application requests obtained by one or more second entities (112) from one or more first entities (106-1, 106-2,...,106-N) (collectively known as first entities (106) and individually known as first entity (106)). The one or more first entities (106) may pertain to insured/to be insured users and the one or more second entities (112) may pertain to insurance providers.
[0038] In an exemplary embodiment, the one or more sensors (102) may be configured to detect and monitor any or a combination of images, videos, audio, text, visual signals, signals from fire alarm, burglar alarm, speed detector, fire detector, fitness and health detector, predefined safety parameters, damage due to accident, agricultural and infrastructure damage and the likes for claim settlement, verification and validations. The one or more sensors (102) may include dashboard cameras, traffic cameras, drone cameras, health and fitness detecting devices, speedometers, fire alarms, burglar alarms, voice recorders and the likes. [0039] In an embodiment, the system may include one or more input and output units (104-1, 104-2,...,104-N) (collectively known as input-output units (104) and individually known as input-output unit (104)), associated with the one or more first entities (106). The one or more input and output units (104) may be configured to receive inputs pertaining to a second set of one or more attributes related to the insurance policies from the one or more first entities (106). The inputs may pertain to alphanumeric texts, images, videos, audios and the likes pertaining to any or a combination of queries, applications, additions, alterations, procurement, redemption, withdrawal, renewal, upgrade, claims and termination requests for insurance policies placed by the one or more first entities (106).

[0040] In an embodiment, the one or more input and output units (104) may be enabled to display/transmit information in response to the inputs provided by the one or more first entities (106), the responses being generated by the system (100) or the one or more second entities (112) associated with the system (100). By way of example, the one or more input and output units (104) may pertain to smartphones, laptops, computing devices, hand-held digital assistants, computers, Tablet PCs, industrial assets and the likes associated with one or more storages, input devices such as keyboard, computer mouse, joystick, touchpad, keypad, touchscreen, display devices such as monitors, LCD screens, LED screens, light emitting diode panels, microphones, speakers, image capturing devices, and the likes.
[0041] In an embodiment, the system (100) may include one or more communication networks (110) coupled to the one or more sensors (102) and the one or more input and output units (104). The one or more communication networks (110) may be configured to transmit information related to insurance policies from the one or more first entities (106) and the one or more second entities (112) and vice versa. The one or more communication networks (110) may be enabled to transmit information bidirectionally.
[0042] In an exemplary embodiment, the one or more communication network (110) may be a wireless network, a wired network or a combination thereof that can be implemented as one of the different types of networks, such as Intranet, Local Area Network (LAN), Wide Area Network (WAN), Internet, and the like. Further, the one or more communication network (110) may either be a dedicated network or a shared network. The shared network may represent an association of the different types of networks that may use variety of protocols, for example, Hypertext Transfer Protocol (HTTP), Transmission Control Protocol/Internet Protocol (TCP/IP), Wireless Application Protocol (WAP), and the like.
[0043] In an embodiment, the system may include one or more processing units (108), communicatively coupled to the one or more sensors (102), the one or more input and output units (104), and the one or more communication networks

(110), the one or more processing unit (108) configured to receive information from the one or more sensors (102) and the one or more input and output units (104). The one or more processing units (108) may be enabled to process, analyze and predict outcomes based on the received information and transmit the responses generated to the one or more first entities (106) and the one or more second entities (112).
[0044] FIG. 2 illustrates exemplary functional blocks (200) of the processing unit (108) pertaining to the proposed system for facilitating insured user and insurance provider interactions, in accordance with an embodiment of the present disclosure.
[0045] As illustrated in an embodiment, the processing unit (108) may include one or more processor(s) (202). The one or more processor(s) (202) may be implemented as one or more microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, logic circuitries, and/or any devices that manipulate data based on operational instructions. Among other capabilities, the one or more processor(s) (202) may be configured to fetch and execute computer-readable instructions stored in a memory (204) of the processing unit (108). The memory (204) may store one or more computer-readable instructions or routines, which may be fetched and executed to create or share the data units over a network service. The memory (204) may include any non-transitory storage device including, for example, volatile memory such as RAM, or non-volatile memory such as EPROM, flash memory, and the like.
[0046] In an embodiment, the processing unit (108) may also include an interface(s) (206). The interface(s) (206) may include a variety of interfaces, for example, interfaces for data input and output devices, referred to as I/O devices, storage devices, and the like. The interface(s) (206) may facilitate communication of the processing unit (108) with various devices including but not limited to networking hardware, printer, display units, portable mass storage devices and the likes coupled to the processing unit (108). The interface(s) (206) may also provide a communication pathway for one or more components of processing unit (108).

Examples of such components include, but are not limited to, processing engine(s) (208), memory (204) and database (230).
[0047] In an embodiment, the processing engine(s) (208) may be implemented as a combination of hardware and programming (for example, programmable instructions) to implement one or more functionalities of the processing engine(s) (208). In examples described herein, such combinations of hardware and programming may be implemented in several different ways. For example, the programming for the processing engine(s) (208) may be processor executable instructions stored on a non-transitory machine-readable storage medium and the hardware for the processing engine(s) (208) may include a processing resource (for example, one or more processors), to execute such instructions. In the present examples, the machine-readable storage medium may store instructions that, when executed by the processing resource, implement the processing engine(s) (208). In such examples, the processing unit (104) can include the machine-readable storage medium storing the instructions and the processing resource to execute the instructions, or the machine-readable storage medium may be separate but accessible to processing unit (108) and the processing resource. In an embodiment, the processing engine may be implemented as any or a combination of Artificial Intelligent engine, Internet-of-things engine, supervised and unsupervised learning based engines, natural language processing engine, cognitive automation based engine and the likes.. In other examples, the processing engine(s) (208) may be implemented by electronic circuitry. A database (222) may include information that is either stored or generated as a result of functionalities implemented by any of the components of the processing engine(s) (208).
[0048] In an embodiment, the processing engine (208) may include an information collection unit (210) that may be configured to receive a fifth set of data packets pertaining to the first set of one or more attributes from the one or more sensors (102). The fifth set of data packets may pertain to computer readable digital stream converted from any or a combination of visual, audible, textual, imagery, video signals. The fifth set of data packets may be related to information

from fire alarm, speed detector, fire, fitness and health detector, safety surveillance camera, burglar alarm, accident monitoring devices, agricultural and infrastructure monitoring units such as drone cameras, audio recorders, cognitive automation devices such as smart cameras that may be used to verify, validate and settle claims placed by the one or more first entities (106). The one or more processors (202) may be enabled to extract a sixth set of data packets from the received fifth set of data packets.
[0049] In an embodiment, the processing engine (208) may include an interaction unit (212) that may be configured to receive a first set of data packets pertaining to the second set of one or more attributes from the one or more first entities (106). In an exemplary embodiment, the first set of data packets may pertain to computer readable format corresponding to information related to any or a combination of queries, applications, additions, alterations, procurement, redemption, withdrawal, renewal, upgrade, claims and termination requests for insurance policies placed by the one or more first entities (106). The one or more processors (202) may be enabled to extract a second set of data packets from the first set of data packets. The second set of data packets may be in computer readable form and may correspond to predefined set of information pertaining to queries, feedback, request for assistance, complaints, instructions and the likes. [0050] In an embodiment, the processing engine (208) may include comparison unit (214) that may be configured to compare the second set of data packets with a third set of data packets and correspondingly generate a fourth set of data packets. The third set of data packets may pertain to a predetermined second set of one or more attributes and wherein the third set of data packets may be stored in a database (222) operatively coupled to the one or more processors (202). The third set of data packets may pertain to any or a combination of predetermined set of customized queries, insurance policy specific questionnaires, frequently asked questions, assistance with existing insurance policies, new insurance policies, comparative performance related suggestions on insurance policies, feedback and comments facilitated to be communicated between the one

or more first entities (106) and automatic communicative agents pertaining to the one or more processors (202) of the processing unit (108).
[0051] In an embodiment, the one or more processors (202) may be configured to compare the sixth set of data packets with a seventh set of data packets and correspondingly generate an eighth set of data packets. The seventh set of data packets may pertain to predetermined threshold values corresponding to the first set of one or more attributes and wherein the seventh set of data packets are stored in the database (222). By way of example, the third, fourth, sixth and seventh set of data packets may be in computer readable form. [0052] In an embodiment, the processing engine (208) may include an analysis unit (216) that may be configured to perform a set of operations on the fourth and the eighth set of data packets and correspondingly generate a ninth set of data packets. By way of example, the set of operations may include analyzing and deriving conclusions from the fourth and the eighth set of data packets using artificial neural networks. The ninth set of data packets may pertain to a response pertaining to the information related to the second set of one or more attributes. The ninth set of data packets may be transmitted by the one or more processors (202) to the one or more second entities (112) as a computer readable stream. [0053] In a non-limiting exemplary embodiment, the one or more processors (202) may be configured to analyze the fifth and the eighth set of data packets received from the one or more first entities (106) and the one or more sensors (102). Based on the analysis, the one or more processors (202) may be facilitated to predict outcomes related to popularity and demand of the insurance policies provided to the one or more first entities, new insurance policies, insurance trends, popular services and attributes, personalized recommendations to the one or more first entities (106), changes to be implemented pertaining to rules and regulations, eligibility criteria and grievance redressal.
[0054] In an embodiment, the processing engine (208) may include a prediction unit (218) that may be enabled to predict any or a combination of trends, requirements, assessments and the likes about insurance policies and demands of the one or more first entities (106). The predictive analysis may be

performed by one or more processors (202) of an artificial intelligent engine. The conclusions of the predictive analysis may help the one or more second entities (112) to make changes, additions, amendments to existing insurance policies and add new policies in future.
[0055] In an embodiment, the processing engine (208) may include other units (220) that may be configured to implement functionalities that supplement actions performed by the one or more processors (202). In an exemplary embodiment, such actions may include auto-tuning of the one or more sensors (102), digitization of the outputs of the one or more sensors (102), handling the security and accuracy of internet-of things information flow, assigning rule base for cognitive automation, training the automated assistive feature for personalized assistance and the likes.
[0056] FIG. 3 illustrates exemplary flow diagram (300) of the proposed system for facilitating insured user and insurance provider interactions, in accordance with an embodiment of the present disclosure.
[0057] In an embodiment, the system (100) may include one or more sensors (not shown) enabled to monitor a first set of one or more attributes configured to be used for claim settlement of one or more first entities (106) by one or more second entities (112). The one or more first entities (106) may be communicatively coupled to one or more processing units (108) through one or more communication network (not shown) and one or more input and output units (not shown). The one or more input and output units may be configured to receive inputs from the one or more first entities (106) and display information related to insurance policies. The one or more processing units (108) may be enabled to perform a set of functions using artificial intelligence implemented by one or more neural networks, the functions being based on information from the one or more first entities (106) and the one or more sensors, the set of functions including predictive analysis of information and transmission of the analyzed information to the one or more second entities (112).
[0058] As used herein, and unless the context dictates otherwise, the term "coupled to" is intended to include both direct coupling (in which two elements

that are coupled to each other contact each other) and indirect coupling (in which at least one additional element is located between the two elements). Therefore, the terms "coupled to" and "coupled with" are used synonymously. Within the context of this document terms "coupled to" and "coupled with" are also used euphemistically to mean "communicatively coupled with" over a network, where two or more devices are able to exchange data with each other over the network, possibly via one or more intermediary device.
[0059] The terms, descriptions and figures used herein are set forth by way of illustration only. Many variations are possible within the spirit and scope of the subject matter, which is intended to be defined by the following claims and their equivalents in which all terms are meant in their broadest reasonable sense unless otherwise indicated.
[0060] While the foregoing describes various embodiments of the invention, other and further embodiments of the invention may be devised without departing from the basic scope thereof. The scope of the invention is determined by the claims that follow. The invention is not limited to the described embodiments, versions or examples, which are included to enable a person having ordinary skill in the art to make and use the invention when combined with information and knowledge available to the person having ordinary skill in the art.
ADVANTAGES OF THE INVENTION
[0061] The present disclosure provides for a system for facilitating interaction
between insured users and insurance providers using features including computer
vision, cognitive automation, virtual assistant, predictive analysis, internet-of-
things and natural language processing.
[0062] The present disclosure provides for a system for facilitating interaction
between insured users and insurance providers that enables one or more sensors to
detect and monitor a first set of one or more attributes pertaining to verification,
validation and claim settlement of insurance policies.
[0063] The present disclosure provides for a system for facilitating interaction
between insured users and insurance providers that enables one or more input and

output units to receive inputs from one or more first entities and display information to the one or more first entities.
[0064] The present disclosure provides for a system for facilitating interaction between insured users and insurance providers that enables transmission of information bidirectionally between the one or more input and output units and one or more processing units through one or more communication networks. [0065] The present disclosure provides for a system for facilitating interaction between insured users and insurance providers that enables one or more sensors to detect and monitor a first set of one or more attributes pertaining to verification, validation and claim settlement of insurance policies.
[0066] The present disclosure provides for a system for facilitating interaction between insured users and insurance providers that enables the one or more processing units to perform a set of operations and correspondingly generate information in response to queries placed by the one or more first entities. [0067] The present disclosure provides for a system for facilitating interaction between insured users and insurance providers that enable the one or more processing units to generate information based on predictive analysis of information pertaining to interaction with the one or more first entities and transmit the information to one or more second entities.

We Claim:

1. A system (100) for facilitating interaction between one or more first entities (106) pertaining to insured/to be insured users and one or more second entities (112) pertaining to insurance providers, the system comprising:
one or more sensors (102) configured to detect and monitor a first set of one or more attributes related to insurance policies obtained by the one or more first entities from the one or more second entities (112);
one or more input and output units (104), associated with the one or more first entities (106), wherein the one or more input and output units (104) are configured to receive inputs pertaining to a second set of one or more attributes related to the insurance policies from the one or more first entities (106) and correspondingly display information obtained in response to the second set of one or more attributes from the one or more second entities (112);
one or more communication networks (110) coupled to the one or more sensors (102) and the one or more input and output units (106), wherein the one or more communication networks (110) are configured to transmit information related to insurance policies between the one or more first entities (106) and the one or more second entities (112);
one or more processing units (108), communicatively coupled to the one or more sensors (102), the one or more input and output units (104), and the one or more communication networks (110), wherein the one or more processing unit (108) comprises of one or more processors (202) associated with one or more memory (204), the one or more memory storing instructions executable by the one or more processors (202) and configured to:

receive a first set of data packets pertaining to the second set of one or more attributes from the one or more first entities (106) and correspondingly extract a second set of data packets;
compare the second set of data packets with a third set of data packets and correspondingly generate a fourth set of data packets, wherein the third set of data packets pertain to a predetermined second set of one or more attributes and wherein the third set of data packets are stored in a database (222) operatively coupled to the one or more processors (202);
receive a fifth set of data packets pertaining to the first set of one or more attributes from the one or more sensors (102) and correspondingly extract a sixth set of data packets;
compare the sixth set of data packets with a seventh set of data packets and correspondingly generate an eighth set of data packets, wherein the seventh set of data packets pertain to predetermined threshold values corresponding to the first set of one or more attributes and wherein the seventh set of data packets are stored in the database (222);
perform a set of operations on the fourth and the eighth set of data packets and correspondingly generate a ninth set of data packets, wherein the ninth set of data packets pertain to a response pertaining to the information related to the second set of one or more attributes;
transmit the ninth set of data packets to the one or more input and output units (104) associated with the one or more first entities (106) and the one or more second entities (112).

The system (100) as claimed in claim 1, wherein the first set of data packets pertain to any or a combination of queries, applications, additions, alterations, procurement, redemption, withdrawal, renewal, upgrade, claims and termination requests for insurance policies placed by the one or more first entities (106).
The system (100) as claimed in claim 1, wherein the fifth set of data packets pertain to any or a combination of images, videos, audio, text, visual signals, signals from fire alarm, speed detector, fires and health detector, safety surveillance, burglar alarm, accident monitoring, agricultural and infrastructure monitoring, wherein the fifth set of data packets are configured to be used for verification, validation and settlement of claims placed by the one or more first entities (106). The system (100) as claimed in claim 1, wherein the third set of data packets pertain to any or a combination of predetermined set of customized queries, insurance policy specific questionnaires, frequently asked questions, assistance with existing insurance policies, new insurance policies, comparative performance related suggestions on insurance policies, feedback and comments facilitated to be communicated between the one or more first entities (106) and automatic communicative agents pertaining to the one or more processors (202) of the processing unit (108).
The system (100) as claimed in claim 1, wherein the one or more processors (202) are enabled to analyze the fifth and the eighth set of data packets received from the one or more first entities (106) and the one or more sensors (102), wherein based on the analysis, the one or more processors (202) are facilitated to predict outcomes related to popularity and demand of the insurance policies provided to the one or more first entities, new insurance policies, insurance trends, popular services and attributes, personalized recommendations to the one or more first entities (106), changes to be implemented pertaining to rules and regulations, eligibility criteria and grievance redressal.

6. The system (100) as claimed in claim 1, wherein the one or more communication network (110) is enabled to transmit information bidirectionally between the one or more input and output units (104) and the one or more processing units (108), wherein the one or more communication networks (110) includes any or a combination of Wifi, internet, intranet, WAN, LAN, GSM, Satellite communication, Bluetooth, cloud network and IoT network.