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Method and system for comparing automatically determined crash information to historical collision data to detect fraud

机译:用于将自动确定的崩溃信息与历史碰撞数据进行比较以检测欺诈的方法和系统

摘要

To detect a risk of insurance fraud in a vehicle insurance claim for physical injuries, injury data may be retrieved from previous crashes involving similar type vehicles as the damaged vehicle, and having similar crash characteristics. One or several likelihoods that the claimant suffered physical injuries from the crash may be determined based on the percentage of people who suffered similar types of injuries or similar severity according to the injury data. If the one or several likelihoods are very small, the claim for physical injuries may be flagged as a risk of fraud and a suspicious loss indicator may be transmitted to a mobile computing device for display.
机译:为了检测在车辆保险索赔中的保险欺诈风险,可以从涉及类似型车辆作为受损车辆的之前的碰撞,并且具有类似的碰撞特性。索赔人遭受崩溃遭受身体伤害的一个或多个可能性可以根据伤害数据遭受类似类型的伤害或类似严重程度的人来确定。如果一个或多个可能性非常小,则可以将物理损伤的权利要求被标记为欺诈的风险,并且可以将可疑丢失指示器发送到移动计算设备以进行显示。

著录项

  • 公开/公告号US10997607B1

    专利类型

  • 公开/公告日2021-05-04

    原文格式PDF

  • 申请/专利权人 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY;

    申请/专利号US201815865478

  • 发明设计人 WILLIAM J. LEISE;

    申请日2018-01-09

  • 分类号G06Q40/08;G06Q30;

  • 国家 US

  • 入库时间 2022-08-24 18:31:44

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