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公开(公告)号：US12293417B2
公开(公告)日：2025-05-06
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 , 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：US12165215B2
公开(公告)日：2024-12-10
申请号：US18215154
申请日：2023-06-27
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.
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公开(公告)号：US20240185353A1
公开(公告)日：2024-06-06
申请号：US18436791
申请日：2024-02-08
Inventor： Amy Engelhorn
IPC: G06Q40/08 , G06F3/0484 , G06F3/04842
CPC classification number: 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：US11915323B2
公开(公告)日：2024-02-27
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 , 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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公开(公告)号：US20230342863A1
公开(公告)日：2023-10-26
申请号：US18215154
申请日：2023-06-27
Inventor： Timothy Joel Davis , Amy Engelhorn , Colby S. Kornelis
IPC: G06Q40/08
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.
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Patent Agency Ranking
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：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：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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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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