Systems and methods for detecting insurance claim fraud by using image data validation

Abstract

Method and system for detecting potential fraudulent activities in vehicle insurance claims. For example, the method includes receiving, from a mobile computing device, a claim request comprising claims data, receiving, from the mobile computing device, a digital file comprising first images of a vehicle involved in an accident supporting the claim request, extracting metadata from the first images, comparing the metadata with the claims data, generating an assessment of the claim request based at least in part upon the comparing, and displaying the assessment of the claim request via a user interface.

1 . A computer-implemented method for detecting potential fraudulent activities, the method comprising:
 receiving, by one or more processors, a submission from a mobile computing device via network communications, the submission comprising accident data, the accident data comprising an accident location indicating a location of an accident;   receiving, by the one or more processors, a digital file from the mobile computing device via network communications, the digital file comprising one or more first images of a vehicle involved in the accident supporting the submission;   extracting, by the one or more processors, metadata from the one or more first images, the metadata comprising an image location indicating a location where the one or more first images are captured;   determining whether the image location is within a predetermined radius of the accident location based on the extracted metadata;   generating, by the one or more processors, an assessment of the submission by at least:
 if the image location is determined to be within the predetermined radius of the accident location, assigning a first weight to the one or more first images; and 
 if the image location is determined to be outside the predetermined radius of the accident location, assigning a second weight to the one or more first images, the second weight being different from the first weight; and 
 generating the assessment of the submission using the assigned first weight or the assigned second weight; 
   analyzing, by the one or more processors, the one or more first images to determine, by performing a feature extraction or an adaptive recognition process, whether damage of the vehicle can be identified; and   transmitting, by the one or more processors, a notification to the mobile computing device via network communications to request for additional data if the damage of the vehicle cannot be identified.   
     
     
         2 . The computer-implemented method of  claim 1 , further comprising:
 receiving, by the one or more processors, one or more second images of the vehicle prior to the accident;   comparing, by the one or more processors, the one or more second images with the one or more first images;   detecting, by the one or more processors, pre-existing damage of the vehicle in the one or more first images based at least in part upon the comparing, wherein the pre-existing damage of the vehicle is designated to be compensated in the accident data; and   adjusting the assessment of the submission based at least in part upon the detecting.   
     
     
         3 . (canceled) 
     
     
         4 . (canceled) 
     
     
         5 . The computer-implemented method of  claim 1 , wherein the additional data comprises one or more additional images of the damage of the vehicle at different angles. 
     
     
         6 . The computer-implemented method of  claim 1 , wherein the additional data comprises annotations of the damage of the vehicle on the one or more first images. 
     
     
         7 . The computer-implemented method of  claim 1 , further comprising:
 generating, by the one or more processors, a failed validation indicator when the metadata and the accident data do not match.   
     
     
         8 . The computer-implemented method of  claim 1 , further comprising:
 generating, by the one or more processors, a manual review flag when the metadata and the accident data do not match.   
     
     
         9 . A server for detecting potential fraudulent activities, the server comprising:
 a memory storing instructions; and   one or more processors configured to, upon execution of the instructions:
 receive a submission from a mobile computing device via network communications, the submission comprising accident data, the accident data comprising an accident location indicating a location of an accident; 
 receive a digital file from the mobile computing device via network communications, the digital file comprising one or more first images of a vehicle involved in the accident supporting the submission; 
 extract metadata from the one or more first images, the metadata comprising an image location indicating a location where the one or more first images are captured; 
 determine whether the image location is within a predetermined radius of the accident location based on the extracted metadata; 
 generate an assessment of the submission by at least:
 if the image location is determined to be within the predetermined radius of the accident location, assigning a first weight to the one or more first images; and 
 if the image location is determined to be outside the predetermined radius of the accident location, assigning a second weight to the one or more first images, the second weight being different from the first weight; and 
 generating the assessment of the submission using the assigned first weight or the assigned second weight; 
 
 analyze the one or more first images to determine, by performing a feature extraction or an adaptive recognition process, whether damage of the vehicle can be identified; and 
 transmit a notification to the mobile computing device via network communications to request for additional data if the damage of the vehicle cannot be identified. 
   
     
     
         10 . The server of  claim 9 , wherein the one or more processors is further configured to:
 receive one or more second images of the vehicle prior to the accident;   compare the second images with the first images;   detect pre-existing damage of the vehicle in the first images based at least in part upon the comparing, wherein the pre-existing damage of the vehicle is designated to be compensated in the accident data; and   adjust the assessment of the submission based at least in part upon the detecting.   
     
     
         11 . (canceled) 
     
     
         12 . (canceled) 
     
     
         13 . The server of  claim 9 , wherein the additional data comprises one or more additional images of the damage of the vehicle at different angles. 
     
     
         14 . The server of  claim 9 , wherein the additional data comprises annotations of the damage of the vehicle on the one or more first images. 
     
     
         15 . The server of  claim 9 , wherein the one or more processors is further configured to generate a failed validation indicator when the metadata and the accident data do not match. 
     
     
         16 . The server of  claim 9 , wherein the one or more processors is further configured to generate a manual review flag when the metadata and the accident data do not match. 
     
     
         17 . A non-transitory computer-readable medium storing instructions for detecting potential fraudulent activities that, when executed by one or more processors, cause the one or more processors to:
 receive a submission from a mobile computing device via network communications, the submission comprising accident data, the accident data comprising an accident location indicating a location of an accident;   receive a digital file from the mobile computing device via network communications, the digital file comprising one or more first images of a vehicle involved in the accident supporting the submission;   extract metadata from the one or more first images, the metadata comprising an image location indicating a location where the one or more first images are captured;   determine whether the image location is within a predetermined radius of the accident location based on the extracted metadata;   generate an assessment of the submission by at least:
 if the image location is determined to be within the predetermined radius of the accident location, assigning a first weight to the one or more first images; and 
 if the image location is determined to be outside the predetermined radius of the accident location, assigning a second weight to the one or more first images, the second weight being different from the first weight; and 
 generating the assessment of the submission using the assigned first weight or the assigned second weight; 
   analyze the one or more first images to determine, by performing a feature extraction or an adaptive recognition process, whether damage of the vehicle can be identified; and   transmit a notification to the mobile computing device via network communications to request for additional data if the damage of the vehicle cannot be identified.   
     
     
         18 . The non-transitory computer-readable medium of  claim 17 , wherein the instructions that, when executed by the one or more processors, further cause the one or more processors to:
 receive one or more second images of the vehicle prior to the accident;   compare the one or more second images with the one or more first images;   detect pre-existing damage of the vehicle in the first images based at least in part upon the comparing, wherein the pre-existing damage of the vehicle is designated to be compensated in the accident data; and   adjust the assessment of the submission based at least in part upon the detecting.   
     
     
         19 . (canceled) 
     
     
         20 . (canceled) 
     
     
         21 . The non-transitory computer-readable medium of  claim 17 , wherein the additional data comprises one or more additional images of the damage of the vehicle at different angles. 
     
     
         22 . The non-transitory computer-readable medium of  claim 17 , wherein the additional data comprises annotations of the damage of the vehicle on the one or more first images. 
     
     
         23 . The non-transitory computer-readable medium of  claim 17 , wherein the instructions that, when executed by the one or more processors, further cause the one or more processors to generate a failed validation indicator when the metadata and the accident data do not match. 
     
     
         24 . The non-transitory computer-readable medium of  claim 17 , wherein the instructions that, when executed by the one or more processors, further cause the one or more processors to generate a manual review flag when the metadata and the accident data do not match.