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公开(公告)号：US20230137389A1
公开(公告)日：2023-05-04
申请号：US18089086
申请日：2022-12-27
Inventor： Timothy Joel Davis , Amy Engelhorn , Tami R. Custer , Karen E. Przybylski , Paul C. Szews , Rosemarie Geier Grant , Eric Haefli , Arthur P. Paulette, JR.
Abstract: In a computer-implemented method, one or more digital aerial images of a property are received, and processed according to one or more image analysis techniques to determine one or more features of the property, including one or more features of a tree located on or near the property. A time of year corresponding to at least one of the digital aerial images is determined, and the feature(s) of the property and the time of year are analyzed to determine a risk of damage to a structure located on the property. Based at least in part on the risk of damage, a risk output is generated that includes an indication of whether action should be taken to mitigate the risk of damage to the structure, an indication of whether insurance coverage associated with the structure should be offered, and/or a measure of the risk of damage to the structure.
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公开(公告)号：US11636547B1
公开(公告)日：2023-04-25
申请号：US16692910
申请日：2019-11-22
Inventor： Timothy Joel Davis
IPC: G06Q40/08 , G06Q50/18 , G06F3/04817
Abstract: An insurance server for using a tokenized icon to provide an insurance quote or submit an insurance claim may include a processor programmed to receive an image from a user application, and data associated with the image, wherein at least a portion of the obtained data is associated as metadata with the tokenized icon. The processor may instruct the user application to use an icon associated with the tokenized icon as a first graphical object, and to modify, in response to an association of the first graphical object with a second graphical object in the user application, the metadata of the tokenized icon based upon data associated with the second graphical object. The processor may transmit the virtual quote or proposed insurance claim to the user application, the virtual quote or proposed insurance claim being based upon the modified metadata. As a result, the online customer experience may be enhanced.
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公开(公告)号：US11631141B2
公开(公告)日：2023-04-18
申请号：US17573372
申请日：2022-01-11
Inventor： Amy Engelhorn , Timothy Joel Davis , Joanna Salata , Dijon Schroff , Justin Devore , Sarah Kirby
IPC: G06Q40/08 , G06Q30/0601 , G06T19/00 , 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：US11379925B1
公开(公告)日：2022-07-05
申请号：US17093390
申请日：2020-11-09
Inventor： Timothy Joel Davis
Abstract: In one aspect, a system for allocating fault in a collision involving a vehicle is provided. The system may include (1) a sensor coupled to the vehicle and configured to collect contextual data related to the collision, (2) a non-transitory memory configured to store the contextual data, and (3) a processor coupled to the non-transitory memory and configured to (a) gain access to the contextual data, and (b) compute and assign a fault percentage to a driver of the vehicle based upon the contextual data.
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公开(公告)号：US20220172296A1
公开(公告)日：2022-06-02
申请号：US17673551
申请日：2022-02-16
Inventor： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
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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Patent Agency Ranking
公开(公告)号：US11348180B1
公开(公告)日：2022-05-31
申请号：US16211666
申请日：2018-12-06
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：US11113768B1
公开(公告)日：2021-09-07
申请号：US16687059
申请日：2019-11-18
Inventor： Timothy Joel Davis , Amy Engelhorn
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：US10853881B1
公开(公告)日：2020-12-01
申请号：US15010843
申请日：2016-01-29
Inventor： Thomas Edward LaBarre , Timothy Joel Davis
IPC: G06Q40/08
Abstract: A method and system may provide trip-based passenger insurance for autonomous vehicles. A server device may receive vehicle identification information for an autonomous vehicle that is providing transportation services for a user on a vehicle trip. Based on the vehicle identification information, the server device may transmit trip-based passenger insurance premiums to the user. When the user selects one of the trip-based passenger insurance premiums, the server device may provide a passenger insurance policy for the vehicle trip to the user.
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公开(公告)号：US20240185358A1
公开(公告)日：2024-06-06
申请号：US18440307
申请日：2024-02-13
Inventor： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
IPC: G06Q40/08 , G06Q20/34 , G06Q30/0601 , G06V20/10 , H04W84/12
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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公开(公告)号：US11922514B2
公开(公告)日：2024-03-05
申请号：US18123588
申请日：2023-03-20
Inventor： Amy Engelhorn , Timothy Joel Davis , Joanna Salata , Dijon Schroff , Justin Devore , Sarah Kirby
IPC: G06Q40/08 , G06Q30/0601 , G06T19/00 , G06Q50/16
CPC classification number: G06Q40/08 , G06Q30/0623 , G06T19/006 , G06Q50/16 , G06T2219/004
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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