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公开(公告)号：US20230206344A1
公开(公告)日：2023-06-29
申请号：US18176280
申请日：2023-02-28
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：US11636552B2
公开(公告)日：2023-04-25
申请号：US17673551
申请日：2022-02-16
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.
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63.发明申请公开(公告)号：US20230116226A1
公开(公告)日：2023-04-13
申请号：US18080971
申请日：2022-12-14
Inventor： Timothy Joel Davis , Amy Engelhorn
IPC: 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.
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公开(公告)号：US11620717B2
公开(公告)日：2023-04-04
申请号：US17673555
申请日：2022-02-16
Inventor： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
IPC: G06Q40/08 , G06Q30/0601 , G06Q20/34 , 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：US20220253948A1
公开(公告)日：2022-08-11
申请号：US17734329
申请日：2022-05-02
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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Patent Agency Ranking
公开(公告)号：US20220129991A1
公开(公告)日：2022-04-28
申请号：US17573280
申请日：2022-01-11
Inventor： Amy Engelhorn , Timothy Joel Davis , Joanna Salata , Dijon Schroff , Justin Devore , Sarah Kirby
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：US11238537B1
公开(公告)日：2022-02-01
申请号：US16419189
申请日：2019-05-22
Inventor： Amy Engelhorn , Timothy Joel Davis , Joanna Salata , Dijon Schroff , Justin Devore , Sarah Kirby
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：US20210374875A1
公开(公告)日：2021-12-02
申请号：US17401042
申请日：2021-08-12
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：US11132481B1
公开(公告)日：2021-09-28
申请号：US16748460
申请日：2020-01-21
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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70.发明授权公开(公告)号：US11120510B1
公开(公告)日：2021-09-14
申请号：US16797500
申请日：2020-02-21
Inventor： Paul D. Mitchell , Amy Engelhorn , Kathryn E. Knarr
IPC: G06Q40/08
Abstract: Methods and systems are provided to automatically generate insurance policy data and/or update insurance policies. More particularly, methods and systems are provided to automatically generate insurance policy data and/or update insurance policies based upon life events and/or life event data. The life events and/or life event data may be representative of personal changes and/or life events (e.g., marriage; child birth; divorce; personal injury; purchase of a house; purchase of a vehicle; adoption; move to a different home, apartment, or state; employment change; health change; etc.) related to an insured person. The life events and/or life event data may automatically lead to providing insurance recommendations and/or adjusting insurance policies that provide insurance-based cost savings to insurance customers, more appropriate insurance coverage given the new circumstances, and/or enhance the customer experience. The insurance policies may be auto, home, renters, personal articles, life, health, pet, and/or other types of insurance policies.
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