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公开(公告)号：US10796374B1
公开(公告)日：2020-10-06
申请号：US15975906
申请日：2018-05-10
Inventor： Matthew Cuttell , Timothy Kiper
Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.
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公开(公告)号：US12243105B2
公开(公告)日：2025-03-04
申请号：US18216701
申请日：2023-06-30
Inventor： Matthew Cuttell , Timothy Kiper
Abstract: A computer-implemented method includes receiving a work item associated with a structure, determining, using an inspection model, that an inspection is needed for the work item, retrieving an aerial image corresponding to a geographic location associated with the structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes (i) identifying a first object data category corresponding to the first object, and (ii) determining a data value descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the data value, linking the one or more action items to a customer account that is associated with the geographic location, and performing one or more actions corresponding to the one or more action items.
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公开(公告)号：US20150088556A1
公开(公告)日：2015-03-26
申请号：US14036970
申请日：2013-09-25
Inventor： Ryan Convery , Timothy Kiper , Dwayne Taylor , Brad M. Johnson , Shanda Bass , Craig Cornwell , Matthew Cuttell , Stacy Whitmer , Jennifer Huffman
IPC: G06Q40/08
CPC classification number: G06Q40/08
Abstract: Methods and systems for processing property insurance are provided. According to embodiments, an insurer can process an insurance application for a property by determining a property rating score that reflects a need to conduct a manual inspection of the property. The insurer can apply a set of business rules or metrics to additional property data to further refine the decision of whether to conduct a manual inspection of the property as well as the decision of whether to issue a property insurance policy for the property. By not requiring a manual inspection, both the insurer and the insured may realize reduced costs.
Abstract translation: 提供了处理财产保险的方法和制度。 根据实施例，保险公司可以通过确定反映需要进行手工检查财产的财产评级分数来处理财产的保险申请。 保险公司可以对其他财产数据应用一套业务规则或指标，以进一步完善对财产进行人工检查的决定以及是否为财产发行财产保险。 通过不需要手动检查，保险人和被保险人都可以实现降低成本。
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公开(公告)号：US11727494B1
公开(公告)日：2023-08-15
申请号：US17015412
申请日：2020-09-09
Inventor： Matthew Cuttell , Timothy Kiper
CPC classification number: G06Q40/08 , G06Q30/0278 , G06V20/176
Abstract: A computer implemented method includes retrieving, via a computer network, an aerial image corresponding to a geographic location associated with a structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes identifying a first object data category corresponding to the first object, and determining objective and subjective data values descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the objective and subjective data values, and linking the one or more action items to a customer account that is associated with the geographic location.
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公开(公告)号：US10692151B1
公开(公告)日：2020-06-23
申请号：US15667318
申请日：2017-08-02
Inventor： Timothy Kiper , Dwayne Taylor , Jeffrey Howard Abel , Amy Engelhorn
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.
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Patent Agency Ranking
公开(公告)号：US09786010B2
公开(公告)日：2017-10-10
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.
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公开(公告)号：US20230351520A1
公开(公告)日：2023-11-02
申请号：US18216701
申请日：2023-06-30
Inventor： Matthew Cuttell , Timothy Kiper
CPC classification number: G06Q40/08 , G06Q30/0278 , G06V20/176
Abstract: A computer-implemented method includes receiving a work item associated with a structure, determining, using an inspection model, that an inspection is needed for the work item, retrieving an aerial image corresponding to a geographic location associated with the structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes (i) identifying a first object data category corresponding to the first object, and (ii) determining a data value descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the data value, linking the one or more action items to a customer account that is associated with the geographic location, and performing one or more actions corresponding to the one or more action items.
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公开(公告)号：US10019761B2
公开(公告)日：2018-07-10
申请号：US14262102
申请日：2014-04-25
Inventor： Matthew Cuttell , Timothy Kiper
CPC classification number: G06Q40/08 , G06K9/00637 , G06Q30/0278
Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.
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公开(公告)号：US20150310558A1
公开(公告)日：2015-10-29
申请号：US14262102
申请日：2014-04-25
Inventor： Matthew Cuttell , Timothy Kiper
CPC classification number: G06Q40/08 , G06K9/00637 , G06Q30/0278
Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.
Abstract translation: 介绍了一种用于将承保行为与顾客联系起来的计算机实现方法。 该方法接收对应于与结构相关联的地理位置的检查模型，并且基于检查模型确定需要进行虚拟检查。 该方法还检索对应于地理位置的第一空间图像和与地理位置对应的第二空间图像和时间阈值。 该方法还接收与第一和第二空中图像相对应的比较数据值，基于比较数据确定承保动作，并将承保动作链接到客户账户。
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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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