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公开(公告)号：US20210056642A1
公开(公告)日：2021-02-25
申请号：US17092922
申请日：2020-11-09
Inventor： Amy Engelhorn
IPC: G06Q40/08 , G06F3/0484
Abstract: A method and system for associating information regarding an object with image objects is disclosed, wherein each image object is a visual data containers including an image associated with the object and data items relating to the object. A user may interact with a graphical user interface to create, modify, and associate image objects by means of the associated images. Information regarding the objects may be associated therewith by means of the image objects, and image objects may be associated with other image objects to generate associations between information regarding the underlying objects. Information regarding other image objects or the associated image may be used to determine information regarding the object, which may be associated with the image object. In some embodiments, associating two or more image objects may associate the underlying objects for purposes of insurance policies or may generate a new insurance policy based on the image objects.
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公开(公告)号：US10579749B1
公开(公告)日：2020-03-03
申请号：US15184886
申请日：2016-06-16
Inventor： Timothy Joel Davis , Amy Engelhorn
Abstract: An augmented reality (AR) system for generating and displaying a pre-disaster Enhanced Situation Visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image and/or GPS location of a property. The ESV computing device may determine the subject of the image is the property, retrieve reference information including peril maps associated with the property from the reference database, and determine situation information specific to the subject. The reference and situation information including a loss estimate may be displayed on the user computing device to provide an ESV of the property. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating an insurance policy, premium, and/or discount, and/or generating insurance-related recommendations.
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公开(公告)号：US10210577B1
公开(公告)日：2019-02-19
申请号：US14987062
申请日：2016-01-04
Inventor： Timothy Joel Davis , Amy Engelhorn , Colby S. Kornelis
Abstract: Systems and methods for capturing digital image data associated with a property for an insurance quote are described. According to certain aspects, a mobile device may enable a user to capture digital image data and/or a video stream and other information of house features and characteristics that may be used to determine insurability and estimated replacement cost of the property. The mobile device may enable the user to capture the information at the property location, which may eliminate the need for a manual assessment or characterization of home features by a homeowner. A back-end server may receive the data, analyze the data to generate an insurance quote (and/or insurance application) for the property, and transmit the insurance quote (and/or application) to the mobile device for presentation to the user. The mobile device may enable the user to select terms, deductibles, limits, and/or coverages, and ultimately approve a homeowner's insurance policy.
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公开(公告)号：US20150310556A1
公开(公告)日：2015-10-29
申请号：US14259676
申请日：2014-04-23
Inventor： Timothy Kiper , Dwayne Taylor , Jeffrey Howard Abel , Amy Engelhorn
CPC classification number: G06Q40/08 , G06Q30/0283
Abstract: Methods, systems, and computer readable media are disclosed for determining a homeowners insurance quote from a captured image of a dwelling. The captured image includes geotagged information, and the address of the dwelling is determined by reverse geocoding this information. An insurance premium quote may then be generated based on the reverse geocoded address and any additional risk assessment factors, such as the building characteristics. Verification of the address may also be performed by accessing one or more databases, which may store information including addresses, coordinates, and images associated with the address. The building characteristics may be retrieved from one or more of the databases to allow for quote generation with minimal user intervention. Matching properties having comparative quotes near the dwelling address may also be generated.
Abstract translation: 公开了方法，系统和计算机可读介质，用于从捕获的住宅图像中确定房主保险报价。 捕获的图像包括地理标记信息，并且通过对该信息进行反向地理编码来确定住宅的地址。 然后可以根据反向地理编码地址和任何其他风险评估因素（如建筑特征）生成保险费报价。 还可以通过访问一个或多个数据库来执行地址的验证，数据库可以存储包括与地址相关联的地址，坐标和图像的信息。 可以从一个或多个数据库检索建筑特征，以允许以最少的用户干预来生成报价。 也可以生成在住宅地址附近具有比较报价的匹配属性。
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公开(公告)号：US20150019263A1
公开(公告)日：2015-01-15
申请号：US13940679
申请日：2013-07-12
Inventor： Timothy Kiper , Eric Staniak , Matthew Cuttell , Josh Schwartz , Amy Engelhorn , Jennifer Huffman , Rhonda Benter , Amy Schmidt , Stacy Whitmer , Matt J. Schroeder , Kathryn E. Knarr
IPC: G06Q40/08
CPC classification number: G06Q40/08
Abstract: A server integrates cost estimates in a insurance price quote process. After receiving an identification of an insurable asset in response to the one or more questions, the server receives, via the computer network, an indication of a customer choice to launch a cost estimation interface on an end user device. The cost estimation interface is used to generate a cost estimate via communication with a cost estimation server. The server receives a cost estimate from the cost estimation server, the cost estimate being generated based on customer interaction with the cost estimation interface. Also, the server causes the cost estimate and quote process information to be displayed to the customer on the end user device.
Abstract translation: 服务器将成本估算值整合到保险报价流程中。 响应于一个或多个问题，在接收到可保险资产的标识之后，服务器经由计算机网络接收客户选择的指示，以在终端用户设备上启动成本估算接口。 成本估算接口用于通过与成本估计服务器的通信来生成成本估计。 服务器从成本估算服务器接收成本估计，根据与成本估算接口的客户交互生成成本估计。 此外，服务器使成本估算和报价处理信息显示给最终用户设备上的客户。
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Patent Agency Ranking
公开(公告)号：US12271953B2
公开(公告)日：2025-04-08
申请号：US18436791
申请日：2024-02-08
Inventor： Amy Engelhorn
IPC: G06Q40/08 , G06F3/0484 , G06F3/04842
Abstract: A method and system for associating information regarding an object with image objects is disclosed, wherein each image object is a visual data containers including an image associated with the object and data items relating to the object. A user may interact with a graphical user interface to create, modify, and associate image objects by means of the associated images. Information regarding the objects may be associated therewith by means of the image objects, and image objects may be associated with other image objects to generate associations between information regarding the underlying objects. Information regarding other image objects or the associated image may be used to determine information regarding the object, which may be associated with the image object. In some embodiments, associating two or more image objects may associate the underlying objects for purposes of insurance policies or may generate a new insurance policy based on the image objects.
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公开(公告)号：US20240161199A1
公开(公告)日：2024-05-16
申请号：US18418517
申请日：2024-01-22
Inventor： Amy Engelhorn , Timothy Joel Davis , Joanna Salata , Dijon Schroff , Justin Devore , Sarah Kirby
IPC: G06Q40/08 , G06Q30/0601 , G06T19/00
CPC classification number: G06Q40/08 , G06Q30/0623 , G06T19/006 , G06Q50/16
Abstract: A property analyzer device may include (1) a receiver configured to receive property identification information from a mobile device, the received property identification information including a picture of the property and/or a property location; (2) a retriever configured to retrieve property-related information from multiple property sources (such as public record databases, websites, or an internal company database) based upon the received property identification information; (3) a processor configured to consolidate the retrieved property-related information into a consolidated property-related image of the property; and (4) a transmitter configured to transmit the consolidated property-related image to the mobile device for review by a user. The mobile device may display the consolidated images that may include several images of the property taken over time (such as showing repairs or improvements made), home insurance quotes, home loan quotes, and other types of property-related or community information that home buyers or owners would find useful.
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公开(公告)号：US11798097B2
公开(公告)日：2023-10-24
申请号：US17401042
申请日：2021-08-12
Inventor： Timothy Joel Davis , Amy Engelhorn
CPC classification number: G06Q40/08 , G06T19/006
Abstract: An augmented reality (AR) system for generating and displaying an enhanced situation visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image representative of a current view of a user. The ESV computing device may determine a subject of the image, retrieve reference information associated with the subject from the reference database, and determine situation information specific to the subject. The reference and situation information may be displayed on the user computing device to provide an ESV of the subject. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating homeowner's insurance claims, and/or for instructional guidance.
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公开(公告)号：US20230260051A1
公开(公告)日：2023-08-17
申请号：US18187438
申请日：2023-03-21
Inventor： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
CPC classification number: G06Q40/08 , G06Q20/34 , G06Q30/0625 , G06Q30/0633 , G06V20/10 , H04W84/12
Abstract: A system for enhanced personal property replacement (i) builds a virtual inventory of personal belongings, such as by performing object recognition techniques on mobile device digital images with the customer’s permission or affirmative consent; (ii) receives user preferences transmitted from their mobile device; (iii) receives a request from the user to handle an insurance claim after an insurance-related event; (iv) determines items to purchase for the user based upon the user preferences, and/or the extent of damage; and/or (v) transmits, to a retailer remote server a virtual order for the items to be delivered to the user at a temporary (hotel) or permanent (home) address. Insurance claim monies may be used to pay for the items. As a result, after an event (e.g., fire, tornado, hurricane), household or other goods may be automatically purchased and delivered to a customer to alleviate the negative impact of the event on their life.
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公开(公告)号：US20230206343A1
公开(公告)日：2023-06-29
申请号：US18176272
申请日：2023-02-28
Inventor： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
IPC: G06Q40/08 , G06Q30/0601 , G06Q20/34 , G06V20/10
CPC classification number: G06Q40/08 , G06Q20/34 , G06Q30/0625 , G06Q30/0633 , G06V20/10 , H04W84/12
Abstract: A computer system for enhanced personal property replacement may be provided. The computer system may include at least one processor in communication with at least one memory device. The at least one processor may programmed to receive a plurality of user preferences transmitted from a user computer device associated with a user, receive a request from the user to cover a claim, determine a first plurality of items for the user based upon the claim and the plurality of user preferences, and/or transmit, to a retailer computer device associated with a retailer, an order for the determined first plurality of items with the retailer to be delivered to the user at an address associated with the user.
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