公开(公告)号：US10210577B1

公开(公告)日：2019-02-19

申请号：US14987062

申请日：2016-01-04

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Timothy Joel Davis ,  Amy Engelhorn ,  Colby S. Kornelis

IPC: G06Q40/08 ,  G06Q10/08

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.

公开(公告)号：US20250095077A1

公开(公告)日：2025-03-20

申请号：US18962211

申请日：2024-11-27

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Timothy Joel Davis ,  Amy Engelhorn ,  Colby S. Kornelis

IPC: G06Q40/08 ,  G06Q10/087

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.

公开(公告)号：US12051116B2

公开(公告)日：2024-07-30

申请号：US18080971

申请日：2022-12-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Timothy Joel Davis ,  Amy Engelhorn

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for integrating the online purchase of a product with the purchase of an insurance policy providing coverage for the product. When a customer initiates the purchase of a product through an online retailer, various aspects include obtaining personal information for the customer, as well as product information for the product. Based upon this information, various aspects may include determining whether the customer is eligible to purchase insurance, and assessing a level of risk in providing a particular type of insurance coverage to the customer. Additionally, various aspects may further include determining an insurance quote based upon this level of risk and transmitting an offer to purchase the insurance policy to the customer. The customer may then purchase the product and insurance policy in one transaction such that binding insurance coverage for the product is provided at the time of purchase.

公开(公告)号：US20240212058A1

公开(公告)日：2024-06-27

申请号：US18600303

申请日：2024-03-08

Applicant: State Farm Mutual Automobile Insurance Company

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 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.

公开(公告)号：US20240161200A1

公开(公告)日：2024-05-16

申请号：US18419137

申请日：2024-01-22

Applicant: State Farm Mutual Automobile Insurance Company

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.

公开(公告)号：US11978126B2

公开(公告)日：2024-05-07

申请号：US18187438

申请日：2023-03-21

Applicant: State Farm Mutual Automobile Insurance Company

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 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.

公开(公告)号：US11715162B2

公开(公告)日：2023-08-01

申请号：US17734329

申请日：2022-05-02

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Timothy Joel Davis ,  Amy Engelhorn ,  Colby S. Kornelis

IPC: G06Q40/08 ,  G06Q10/087

CPC classification number: G06Q40/08 ,  G06Q10/087

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.

公开(公告)号：US20230230170A1

公开(公告)日：2023-07-20

申请号：US18123588

申请日：2023-03-20

Applicant: State Farm Mutual Automobile Insurance Company

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.

公开(公告)号：US20230206344A1

公开(公告)日：2023-06-29

申请号：US18176280

申请日：2023-02-28

Applicant: State Farm Mutual Automobile Insurance Company

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.

公开(公告)号：US11636552B2

公开(公告)日：2023-04-25

申请号：US17673551

申请日：2022-02-16

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Greg Maurer ,  Timothy Joel Davis ,  Amy Engelhorn

IPC: G06Q40/08 ,  G06Q30/0601 ,  G06Q20/34 ,  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.