Ground truth insurance database
The following relates generally to building a ground truth insurance database. In some embodiments, one or more processors: (1) receive potential insurance database information comprising (i) insurance company application (app) information, (ii) anonymized insurance claim information, (iii) police report information, and/or (iv) auxiliary information; (2) retrieve, from an insurance ground truth insurance database, existing ground truth insurance information by querying the ground truth database based upon the potential insurance database information; (3) determine if the potential insurance database information should be added to the insurance ground truth database by comparing the potential insurance database information to the existing ground truth insurance information; and/or (4) if the potential insurance database information should be added to the insurance ground truth database, add the potential insurance database information to the insurance ground truth database.
1 . A computer system for building a ground truth insurance database via a generative pre-trained transformer with a multi-head self-attention mechanism, the computer system comprising one or more processors configured to:
receive potential insurance database information, wherein the potential insurance database information comprises: (i) insurance company application (app) information, (ii) anonymized insurance claim information, and/or (iii) police report information;
retrieve, from the ground truth insurance database, existing ground truth insurance information by querying the ground truth insurance database based upon the potential insurance database information;
determine if the potential insurance database information should be added to the ground truth insurance database by comparing the potential insurance database information to the existing ground truth insurance information by:
generating, via the generative pre-trained transformer: (i) a first summary document summarizing the potential insurance database information, and (ii) a second summary document summarizing the existing ground truth insurance information, wherein the generative pre-trained transformer is configured to generate the first summary document by, with the multi-head self-attention mechanism: (i) receiving, as an input, tokens included in the potential insurance database information, and (ii) performing, in parallel:
(a) generating a query vector, a key vector, and a value vector for each token,
(b) generating normalized weights based upon similarities between query vectors and key vectors, and
(c) generating final vectors based upon (i) the normalized weights and (ii) the value vectors;
generating the first summary document based upon the final vectors;
sending the first and second summary documents to an administrator computing device;
receiving, from the administrator computing device, a selection of the potential insurance database information or the existing ground truth insurance information; and
determining to add the potential insurance database information to the ground truth insurance database if the selection indicates the potential insurance database information; and
if the potential insurance database information should be added to the ground truth insurance database, add the potential insurance database information to the ground truth insurance database.
2 . The computer system of claim 1 , wherein the one or more processors are further configured to perform the comparing of the potential insurance database information to the existing ground truth insurance information further by:
generating, via an artificial intelligence (AI) and/or machine learning (ML) chatbot, a comparison document indicating at least one difference between the potential insurance database information and the existing ground truth insurance information;
sending the comparison document to the administrator computing device;
receiving, from the administrator computing device, a selection of the potential insurance database information or the existing ground truth insurance information; and
determining to add the potential insurance database information to the ground truth insurance database if the selection indicates the potential insurance database information.
3 . The computer system of claim 2 , wherein the one or more processors are further configured to perform the generating the comparison document by, via the AI or ML chatbot:
generating a template including the existing ground truth insurance information; and
highlighting at least a portion of the template to indicate the at least one difference between the potential insurance database information and the existing ground truth insurance information.
4 . The computer system of claim 3 , wherein:
the generated comparison further includes: (i) an indication of a source of the potential insurance database information, and/or (ii) an indication of a source of the existing ground truth insurance information; and
the one or more processors are further configured to display, on a display of the administrator computing device, the generated comparison document including (i) the indication of the source of the potential insurance database information, and/or (ii) the indication of the source of the existing ground truth insurance information.
5 . The computer system of claim 2 , wherein the at least one difference comprises a difference in:
a date that an auto accident occurred;
a date that property damage occurred;
a date of a house fire;
vehicle information including vehicle: year, make, model, color, trim level, milage, and/or safety feature information;
an amount paid for an insurance claim;
an amount of a subrogation demand;
a name of a person;
a name of a police officer;
a weather condition on a date of an event of an insurance claim;
if an insurance customer has additional insurance;
insurance policy information of the insurance customer;
a beneficiary of an insurance policy;
a determination of fault in an auto accident;
a record of criminal liability;
items in a home on a date of damage to the home; and/or
personal injury information.
6 . The computer system of claim 1 , wherein the one or more processors are further configured to perform the comparing of the potential insurance database information to the existing ground truth insurance information further by:
comparing a reliability rating of a source of the potential insurance database information to a reliability rating of a source of the existing ground truth insurance information; and/or
comparing (i) a rank of the source of the potential insurance database information from a list of ranked sources to (ii) a rank of a source of the existing ground truth insurance information from the list of ranked sources.
7 . The computer system of claim 1 , wherein the one or more processors are further configured to perform the comparing of the potential insurance database information to the existing ground truth insurance information further by:
determining a type of information of the potential insurance database information;
determining a type of the existing ground truth insurance information;
determining a first reliability rating corresponding to the type of information of the potential database information and a source of the potential insurance database information;
determining a second reliability rating corresponding to the type of information of the existing ground truth insurance information and a source of the existing ground truth insurance information; and
comparing the first reliability rating to the second reliability rating.
8 . The computer system of claim 7 , wherein the one or more processors are further configured to, if the type of information of the potential insurance database information and the type of the existing ground truth insurance information are both imagery information:
determine a higher reliability rating for a police report source than for information from:
a vehicle camera;
a traffic camera;
a camera attached to a building;
an infrastructure device;
a vehicle-to-infrastructure (V2I) device;
a vehicle-to-network (V2N) device;
a vehicle-to-vehicle (V2V) device;
a vehicle-to-pedestrian (V2P) device;
a vehicle-to-device (V2D) device;
a smartwatch;
a smartphone;
a smart home device;
a smart home camera;
an email server;
a weather device;
a government database;
a drone; and/or
a newscast database.
9 . The computer system of claim 1 , wherein the one or more processors are further configured to:
if the potential insurance database information should be added to the ground truth insurance database, further remove the existing ground truth insurance information from the ground truth insurance database.
10 . The computer system of claim 1 , wherein:
the potential insurance database information comprises the insurance company app information, and the insurance company app information comprises a profile of an insurance customer; and
the one or more processors are further configured to receive the insurance company app information from an insurance company app.
11 . The computer system of claim 1 , wherein:
the potential insurance database information comprises the anonymized insurance claim information, and the anonymized insurance claim information includes: a date of a first notice of loss, an amount of an insurance payout, and/or a type of insurance claim.
12 . The computer system of claim 1 , wherein:
the potential insurance database information comprises police report information; and
the police report information includes a name of a police department of the police report, a name of a police officer of the police report, a type of vehicle involved in an accident, imagery information of the accident, a percentage of fault of the accident, imagery information of a home, an identity of a deceased person, and/or an identity of a person filing a police report.
13 . The computer system of claim 1 , wherein the potential insurance database information further comprises information from:
a vehicle camera;
a traffic camera;
a camera attached to a building;
an infrastructure device;
a vehicle-to-infrastructure (V2I) device;
a vehicle-to-network (V2N) device;
a vehicle-to-vehicle (V2V) device;
a vehicle-to-pedestrian (V2P) device;
a vehicle-to-device (V2D) device;
a smartwatch;
a smartphone;
a smart home device;
a smart home camera;
an email server;
a weather device;
a government database;
a drone; and/or
a newscast database.
14 . The computer system of claim 1 , wherein the tokens comprise respective text strings from the potential insurance database information.
15 . A computer-implemented method for building a ground truth insurance database via a generative pre-trained transformer with a multi-head self-attention mechanism, the method comprising:
receiving, via one or more processors, potential insurance database information, wherein the potential insurance database information comprises: (i) insurance company application (app) information, (ii) anonymized insurance claim information, and/or (iii) police report information;
retrieving, via the one or more processors, from the ground truth insurance database, existing ground truth insurance information by querying the ground truth insurance database based upon the potential insurance database information;
determining, via the one or more processors, that the potential insurance database information should be added to the ground truth insurance database by comparing the potential insurance database information to the existing ground truth insurance information by:
generating, via the generative pre-trained transformer: (i) a first summary document summarizing the potential insurance database information, and (ii) a second summary document summarizing the existing ground truth insurance information, wherein the generative pre-trained transformer is configured to generate the first summary document by, with the multi-head self-attention mechanism: (i) receiving, as an input, tokens included in the potential insurance database information, and (ii) performing, in parallel:
(a) generating a query vector, a key vector, and a value vector for each token,
(b) generating normalized weights based upon similarities between query vectors and key vectors, and
(c) generating final vectors based upon (i) the normalized weights and (ii) the value vectors;
generating the first summary document based upon the final vectors;
sending the first and second summary documents to an administrator computing device;
receiving, from the administrator computing device, a selection of the potential insurance database information or the existing ground truth insurance information; and
determining to add the potential insurance database information to the ground truth insurance database if the selection indicates the potential insurance database information; and
in response to the determination that the potential insurance database information should be added to the ground truth insurance database, adding, via the one or more processors, the potential insurance database information to the ground truth insurance database.
16 . The computer-implemented method of claim 15 , wherein the potential insurance database information comprises the police report information, and the method further comprises, via the one or more processors:
with an artificial intelligence (AI) or machine learning (ML) chatbot, requesting the police report information from a police station.
17 . The computer-implemented method of claim 15 , wherein the method further comprises, via the one or more processors:
with an artificial intelligence (AI) or machine learning (ML) chatbot, requesting information from:
(i) a government entity storing death records and/or vehicle registration records, (ii) an entity storing data from a vehicle-to-infrastructure (V2I) device, a vehicle-to-network (V2N) device, a vehicle-to-vehicle (V2V) device, a vehicle-to-pedestrian (V2P) device, and/or a vehicle-to-device (V2D) device, and/or (iii) a news source; and
adding the requested information to the potential insurance database information.
18 . A computer device for building a ground truth insurance database via a generative pre-trained transformer with a multi-head self-attention mechanism, the computer device comprising:
one or more processors; and
one or more memories;
the one or more memories having stored thereon computer-executable instructions that, when executed by the one or more processors, cause the computer device to:
receive potential insurance database information, wherein the potential insurance database information comprises: (i) insurance company application (app) information, (ii) anonymized insurance claim information, and/or (iii) police report information;
retrieve, from the ground truth insurance database, existing ground truth insurance information by querying the ground truth insurance database based upon the potential insurance database information;
determine if the potential insurance database information should be added to the ground truth insurance database by comparing the potential insurance database information to the existing ground truth insurance information by:
generating, via the generative pre-trained transformer: (i) a first summary document summarizing the potential insurance database information, and (ii) a second summary document summarizing the existing ground truth insurance information, wherein the generative pre-trained transformer is configured to generate the first summary document by, with the multi-head self-attention mechanism: (i) receiving, as an input, tokens included in the potential insurance database information, and (ii) performing, in parallel:
(a) generating a query vector, a key vector, and a value vector for each token,
(b) generating normalized weights based upon similarities between query vectors and key vectors, and
(c) generating final vectors based upon (i) the normalized weights and (ii) the value vectors;
generating the first summary document based upon the final vectors;
sending the first and second summary documents to an administrator computing device;
receiving, from the administrator computing device, a selection of the potential insurance database information or the existing ground truth insurance information; and
determining to add the potential insurance database information to the ground truth insurance database if the selection indicates the potential insurance database information; and
if the potential insurance database information should be added to the ground truth insurance database, add the potential insurance database information to the ground truth insurance database.
19 . The computer device of claim 18 , wherein the potential insurance database information comprises the police report information, and wherein the one or more memories having stored thereon computer executable instructions that, when executed by the one or more processors, further cause the computer device to:
with an artificial intelligence (AI) chatbot, prepare a draft communication to request the police report information from a police department;
present the draft communication to an administrator on the administrator computing device;
receive, from the administrator computing device, a final communication, wherein the final communication comprises an edited version of the draft communication edited by the administrator; and
send the final communication to the police department.
20 . The computer device of claim 19 , wherein the draft communication and final communication each comprise an email and/or text message.
21 . The computer device of claim 18 , wherein the one or more memories having stored thereon computer executable instructions that, when executed by the one or more processors, further cause the computer device to perform the querying of the ground truth insurance database based upon an insurance claim identifier, wherein the insurance claim identifier comprises an insurance claim number.
22 . The computer device of claim 18 , wherein the one or more memories having stored thereon computer executable instructions that, when executed by the one or more processors, further cause the computer device to:
use a natural language processing algorithm (NLP) to determine a word or phrase from the potential insurance information; and
perform the querying of the ground truth insurance database by querying the ground truth insurance database based upon the word or phrase.
23 . The computer device of claim 19 , wherein the AI chatbot comprises: a generative AI chatbot, and/or a deep learning algorithm.