Patent ID: 11941703
Assignee: THE TORONTO-DOMINION BANK
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 10:
11. A method comprising:
sending, via a communications module and to a remote computing device, a signal comprising a chat interface allowing a user of the remote computing device to exchange instant text messages with a chat-bot;
receiving, via the communications module and from the remote computing device, a signal representing one or more instant text messages sent through the chat interface;
evaluating the one or more instant text messages to determine whether a claim has a risk level below a threshold risk level; and
responsive to determining that the claim has the risk level below the threshold risk level, engaging a photo-based estimation module to remotely receive a signal representing image data and to enable image capture at the remote computing device within the chat interface in response to determining that the image data received from the remote computing device corresponds to a preferred scene of a vehicle.