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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
发明人： Amy Engelhorn , Timothy Joel Davis , Joanna Salata , Dijon Schroff , Justin Devore , Sarah Kirby
IPC分类号： G06Q40/08 , G06Q30/0601 , G06T19/00 , G06Q50/16
CPC分类号： G06Q40/08 , G06Q30/0623 , G06T19/006 , G06Q50/16 , G06T2219/004
摘要： 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
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/087
摘要： 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：US11775940B1
公开(公告)日：2023-10-03
申请号：US16785061
申请日：2020-02-07
发明人： Timothy Joel Davis
IPC分类号： G06Q30/00 , G06Q10/20 , G06Q30/0601
CPC分类号： G06Q10/20 , G06Q30/0613 , G06Q30/0631 , G06Q30/0633
摘要： Systems and methods for ordering a replacement component or repair service are disclosed. According to some aspects, condition data indicating a condition of a consumable component may be generated by sensor and transmitted to an order assistance system. The order assistance system may determine whether the consumable component requires at least one of replacement or repair by comparing the condition data with one or more maintenance parameters. Additionally, in response to a determination that the consumable component requires at least one of replacement or repair, the order assistance system may recommend at least one of a replacement component or a repair service in accordance with one or more order parameters pre-selected by a user. In some aspects, an insurance policy associated with the consumable component may be adjusted based on the successful repair or replacement of the consumable component.
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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
发明人： Timothy Joel Davis , Amy Engelhorn , Tami R. Custer , Karen E. Przybylski , Paul C. Szews , Rosemarie Geier Grant , Eric Haefli , Arthur P. Paulette, JR.
摘要： 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
发明人： Timothy Joel Davis
IPC分类号： G06Q40/08 , G06Q50/18 , G06F3/04817
摘要： 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
发明人： Amy Engelhorn , Timothy Joel Davis , Joanna Salata , Dijon Schroff , Justin Devore , Sarah Kirby
IPC分类号： G06Q40/08 , G06Q30/0601 , G06T19/00 , G06Q50/16
摘要： 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
发明人： Timothy Joel Davis
摘要： 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
发明人： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
摘要： 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
摘要： 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
发明人： Timothy Joel Davis , Amy Engelhorn
摘要： 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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