WO2002019179A1 - Quotation data exchange - Google Patents
Quotation data exchange Download PDFInfo
- Publication number
- WO2002019179A1 WO2002019179A1 PCT/AU2001/001078 AU0101078W WO0219179A1 WO 2002019179 A1 WO2002019179 A1 WO 2002019179A1 AU 0101078 W AU0101078 W AU 0101078W WO 0219179 A1 WO0219179 A1 WO 0219179A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- quotation
- insurer
- message
- repairer
- request
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
Definitions
- This invention concerns the control of an insurance repair process.
- it is a quotation data exchange for the control of an insurance repair process, and in another aspect it is a protocol for the control of an insurance repair process.
- the repair is typically not a simple transaction between the vehicle owner and a repairer, but will often involve a vehicle insurer.
- the insurer will generally wish to exercise some control over the repair, for instance in selection of the repairer and authorisation of repair items and their cost.
- a quotation data exchange for the control of an insurance repair process including:
- a host computer operating to enable communications between an insurer and a repairer where the communications are selected from a set of electronic messages having predetermined content fields in which data is entered, the message set including: A request for quotation in response to a claim, from insurer to repairer in respect of specified damage;
- a tax invoice (request for payment) from repairer to insurer in respect of an authorised repair
- a payment authority from insurer to repairer in response to a request for payment.
- the set of messages may also include: A request for an inspection from the repairer to the insurer to cause the insurer to inspect the damage.
- the repairer may send a message declining a repair.
- the insurer may send a message to the repairer declining payment.
- Other notifications and error messages may also be exchanged.
- the host computer may reside at the insurer's premises, and the system will typically involve a communications network, such as the Internet, and remote computers at the repairers.
- the host and remote computers may have relational databases in which the quotation data is stored. When a message is sent from one party to the other this data is gathered together and used to populate the messages before transmission.
- the electronic messages enable a vehicle re-instatement lifecycle to be communicated between the repairer and insurer in a common format. There is no specific processing dependent on a repairer.
- the messages are sufficiently flexible that they can drive different repair models.
- the data requirements may be expressed in a specific implementation of extensible Markup Language. This is a self-describing data protocol with syntactical facilities for mandatory fields, field grouping and allowable values.
- Each message is described in a Document Type Definition (dtd) which describes each element and its attributes plus the tags required to identify the element.
- dtd Document Type Definition
- allowable values may be defined in the dtd. This allows the sending and receiving applications to cross-reference to their proprietary reference sets.
- the dtd is a de-normalised data definition that contains syntax and nesting of elements such that complex relationships and data categorisation of the target relational database are implied in the message.
- the system aims to streamline current paper and fax-based processes, thus increasing efficiency and accuracy of data transfer. Enforcement of data integrity is achieved by use of an electronic record. Efficiency is achieved through easier storage of the quotation data for statutory requirements and also electronic records will allow robotic checking for Parts and Hours submissions. The system also offers an opportunity for expansion to support richer and more powerful forms of communication. In particular, more detailed information may be passed between the two parties, allowing better informed decisions to be made.
- a process enhancement is the support for digital photos. By building an infrastructure for the communication of digital images, sufficient information can be gained by assessors while reducing the need for on-site visits.
- the invention is a protocol for the control of an insurance repair process, involving the steps of exchanging communications between an insurer and a repairer from the message set described above.
- Fig. 1 is a schematic diagram showing the architecture of a data quotation exchange.
- Fig. 2 is a block diagram of the operation of the exchange.
- Fig. 3 is a flowchart of the workflow.
- Fig. 4 is all elevations of a vehicle with the sections identified by numbers.
- the quotation data exchange (QDE) 1 facilitates communications between an insurer 2 and a number of repairers 3.
- the insurer has a software solution that integrates with its overall claims process, while the repairers are using software packages developed by third-party vendors.
- the two parties communicate via the Internet 4, using a protocol, with the content of the communications encapsulated in messages 5.
- the exchange consists of the following key components: • Messaging architecture
- the Messages The system provides an "interface" between the insurer's and repairers' systems. It allows either party to implement their internal systems to meet their internal business needs, while retaining the confidence that other parties can be communicated with, in a standard way.
- Both the insurer and repairer systems store the quotation information in a database. When a message needs to be sent to the other party, this information is gathered together, and used to populate a message for transmission.
- the Request for Quote message is sent from the insurer to the repairer, and contains: • Details on the incident such as an accident, vandalism, hail etc.
- Vehicle details such as: make, model, and engine number.
- the message also specifies whether: • The partnered model should be used for this job.
- the repairer sends this message to the insurer, indicating that they have declined the job, and provides a reason.
- the Quote message is the primary mechanism for communicating details between the two parties, and is used in the following cases:
- This message type contains:
- the flags are used in the following manner: • When a new quote is generated, all the items are marked as 'added'.
- the 'added' flag is also used if a new item is added as part of a variation or adjustment.
- This message is used by either the repairer or insurer. If used by the repairer it acts as a request which the insurer may accept by returning the message or decline by asking the repairer to submit a quotation.
- This message is sent if the insurer does not wish to proceed with his original request. This may be because of a variety of reasons from the insured wishing to have another repairer allocated to the submission of a totally unacceptable quotation.
- a payment request message is sent from the repairer to the insurer to indicate that the job has been completed, and to request payment.
- a payment request may be a Tax Invoice, an Adjustment Note or a Re-activate Invoice depending on previous workflow.
- the insurer uses this message to notify that payment has been made, and includes payment details such as invoice number, and actual payment date.
- Payment Declined The insurer uses this message to notify the repairer that a requested payment will not be made and provides a reason.
- Parts Reference This message is used by the part reference data supplier and is sent to the insurer to communicate the detailed information on car parts.
- This message is used by the parts reference supplier and is sent to the insurer to communicate the detailed information of a car.
- This message is used by either party to signal any errors encountered in incoming messages.
- An error message will have 1 of 4 severities:
- QML Quotation Markup Language
- Quotation Markup Language defines a specification for all messages passed between the insurer and repairers. This specification is defined using the extensible Markup Language (XML), an open standard for the development of industry-specific data formats.
- XML extensible Markup Language
- XML is self-explanatory, when read in conjunction with the following basic design principles: • XML consists of tags, which are surrounded by angle brackets. An example of a tag: ⁇ QuoteDetails > .
- an element consists of a start and end tag. The content of the element is then located between these tags, and can consist of either text, or more elements. For example: ⁇ RegistrationNo>UAA 169 ⁇ /RegistrationNo> or:
- DTD Document Type Definition
- Model must contain a Make, ModellD, optionally a Description, and optionally a DataManufactureStart.
- the DTDs specify the structure of QML, but they do not detail the meaning of the elements, nor the format of the element content. For example, a DTD can only specify that an element contains text, not that it must contain a five digit number.
- Lvl (Level) the hierarchical level at which the element exists. This is used to specify the parent child relationships between fields and which elements are grouped together.
- Content type “Group” for an element that only contains other elements; "Char” for character data (text); “Flag” for an empty element; "Attr” for a character attribute assigned to another element; "List” for a list of valid values; and "Numeric” for a decimal or floating point number.
- character number 151 would be written as "—”.
- "escaped" form should be used, as follows:
- This message is sent by the insurer to the repairer once only. Any information sent that requires updating will be contained in another message.
- This message is sent by the repairer to the insurer once only and is an end state for the referenced Request for Quote.
- This message may be sent by the repairer to the insurer and vice versa multiple times.
- This message is sent by the insurer to the repairer and may occur at any time when the quotation has already been authorised.
- This message is sent by the insurer to the repairer and is an end state. Note that it may be sent prior to the receipt of a quotation.
- This message may be sent by the repairer to the insurer and vice versa. It may occur prior to or subsequent to a quotation.
- This message is sent by the repairer to the insurer to request payment on the authorised quotation.
- This message is sent by the repairer to the insurer to adjust a previously submitted Tax Invoice.
- This message is an increment or decrement to what has been sent previously. It contains a full version of the quotation with only the summary or those items that are added / changed / deleted since the tax invoice flagged.
- This message is sent by the repairer to the insurer to re-activate a previously submitted Tax Invoice. This implies that the amounts requested are as originally submitted and some variation has been made to the quotation to make the payment requested balance with the authorised quotation.
- This message is sent by the insurer to the repairer once only and serves to confirm that payment will be made as requested.
- This message is sent by the insurer to the repairer and serves to inform him that the requested payment will not be made for the given reason.
- This message is sent by the Parts Reference data supplier to the insurer.
- This message is sent by the Parts Reference data supplier to the insurer.
- This message is sent by the insurer to the repairer for the purpose of reporting an error with a previous message. There may be multiple error messages generated for the same original message. Upon receiving one of these error messages, the repairer's system should report the error to the user and if the message has a severity of "Critical" then it should update their system to reflect that the insurer has not accepted their original message.
- Fig. 3 the workflow can be seen to begin after a vehicle has been damaged and when the claim 31 is lodged.
- a repairer is allocated 32 and a request for quote 33 is sent to the repairer 34.
- the repairer has a number of choices. First the repairer may decline the job 35. Second the repairer may quote 36 to repair the vehicle. In this case an on-site inspection may be requested 37 and this on-site inspection may subsequently take place 38. A quotation assessment 39 then takes place.
- the repairer may request total loss 40. This may be refused 41 and the request for quote 33 may then be repeated. If it is accepted 42 then a total loss advice 43 is made.
- the quotation assessment 39 will result in either: the return of a Quote message 44 with possible adjustments, the settlement method (Repair or Cash Settlement) 59 and optional authority to proceed with the repair or; a total loss message 43.
- the quote authority will then enable the repairer to perform the repairs 45.
- additional repairs may become evident, in which case a variation quote 46 may be prepared and assessed 47 before authority is granted 48 for the additional repairs to take place.
- the repairer After the repairs have taken place, or after the total loss advice has been made, the repairer generates a tax invoice (payment request) 49 which is received by the insurer and assessed for payment 50. Payment may be authorised 51 and made to the repairer 52. Alternatively payment may be declined 53 in which case the repairer has three options.
- the first a variation quote 54 which is assessed at 55 and a quote authority given at 56.
- An adjustment note may be generated at 57 or an invoice may be reactivated at 58 in which case the process continues at the payment assessment 50.
- a Job Cancelled message may be initiated by the assessor at any time and has been omitted firn the graphic to aid clarity of the remaining flow.
- Authority may be withdrawn at any time between authority being given and the completion of repairs.
Abstract
Description
Claims
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2001281606A AU2001281606B2 (en) | 2000-08-29 | 2001-08-28 | Quotation data exchange |
AU8160601A AU8160601A (en) | 2000-08-29 | 2001-08-28 | Quotation data exchange |
NZ524397A NZ524397A (en) | 2000-08-29 | 2001-08-28 | Quotation data exchange |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AUPQ9750 | 2000-08-29 | ||
AUPQ9750A AUPQ975000A0 (en) | 2000-08-29 | 2000-08-29 | Quotation data exchange (qde) |
AUPR3297 | 2001-02-22 | ||
AUPR3297A AUPR329701A0 (en) | 2001-02-22 | 2001-02-22 | Quotation data exchange (qde) |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2002019179A1 true WO2002019179A1 (en) | 2002-03-07 |
Family
ID=25646424
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/AU2001/001078 WO2002019179A1 (en) | 2000-08-29 | 2001-08-28 | Quotation data exchange |
Country Status (2)
Country | Link |
---|---|
NZ (1) | NZ524397A (en) |
WO (1) | WO2002019179A1 (en) |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5128859A (en) * | 1990-09-12 | 1992-07-07 | Carbone Albert R | Electronic accident estimating system |
US5504674A (en) * | 1991-02-19 | 1996-04-02 | Ccc Information Services, Inc. | Insurance claims estimate, text, and graphics network and method |
US5950169A (en) * | 1993-05-19 | 1999-09-07 | Ccc Information Services, Inc. | System and method for managing insurance claim processing |
-
2001
- 2001-08-28 NZ NZ524397A patent/NZ524397A/en not_active IP Right Cessation
- 2001-08-28 WO PCT/AU2001/001078 patent/WO2002019179A1/en active IP Right Grant
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5128859A (en) * | 1990-09-12 | 1992-07-07 | Carbone Albert R | Electronic accident estimating system |
US5504674A (en) * | 1991-02-19 | 1996-04-02 | Ccc Information Services, Inc. | Insurance claims estimate, text, and graphics network and method |
US5950169A (en) * | 1993-05-19 | 1999-09-07 | Ccc Information Services, Inc. | System and method for managing insurance claim processing |
Also Published As
Publication number | Publication date |
---|---|
NZ524397A (en) | 2003-11-28 |
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