Systems and methods for utilizing imaging informatics

• US 10,163,162 B1
• Filed: 07/07/2014
• Issued: 12/25/2018
• Est. Priority Date: 08/16/2013
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Devereaux, Ramsey, Franck, David S., Allen, Michael J., Wheeler, Daniela, Read, Spencer, Swain, Kathleen L.
• Primary Examiner(s): Ebersman, Bruce I
• Application Number:
  US14/324,618
• Time in Patent Office: 1,632 Days
• Field of Search: 705 4
• CPC Class Codes: G06F 2218/12 Classification; Matching
• CPC Class Codes: G06Q 10/20 Administration of product repair or maintenance
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/16 Real estate
• CPC Class Codes: G06V 20/176 Urban or other man-made structures

Abstract

A computer device and method for processing an insurance claim and making decisions regarding an insurance policy utilizing informatic data received from one or more informatic camera sensor devices configured to capture imagery data relating to an insured property. Analysis is performed on the received imagery informatic data to determine an assessment variable regarding the insured property. An insurance policy associated with the insured property is also received by the computer and analyzed to determine insurance coverage terms and conditions for the insured property. Predefined business rules are preferably applied by the computer using at least the determined assessment variable and the determined insurance coverage terms and conditions for the insured property to determine an event relating to the insurance policy associated with the insured property.

Claims

1. A sensor system comprising:

a plurality of camera sensor devices each configured to capture imagery data related to one or more objects located in a property, wherein each sensor device has a transmitter configured to couple to a network for transmitting the captured imagery data via the network, the plurality of camera sensor devices including;

a two-dimensional camera; and

a three-dimensional camera, wherein the two-dimensional camera and the three-dimensional camera are each configured to capture images in the visible spectrum, and wherein at least one of the two-dimensional camera and the three-dimensional camera is configured to capture images in the infrared spectrum;

a data storage component coupled to each of the plurality of sensors devices via the network wherein the data storage component is configured to aggregate captured imagery data relating to the one or more objects located in the property received from each of the camera sensor devices;

a communication component coupled to the data storage component configured to;

encrypt the aggregated captured imagery data; and

transmit the encrypted aggregated captured imagery data via the Internet; and

a computer server coupled to the communication component, via the Internet, and programmed to;

receive the encrypted aggregated captured imagery data from the communication component regarding the one or more objects located in the property;

calculate a value for each of the one or more objects located in the property based on an object recognition analysis of the captured imagery data, the imagery data including at least one infrared image captured by the two-dimensional camera or the three-dimensional camera;

determine a current coverage amount for each of the one or more objects located in the property;

determine a gap in insurance coverage for each of the one or more objects located in the property based on an analysis of the calculated value and the determined current coverage amount for each of the one or more objects located in the property; and

identify one or more insurance products to mitigate liability risks for the one or more objects located in the property determined to have a gap in insurance coverage; and

apply the identified one or more insurance products to a policy covering the property.

2. The sensor system as recited in claim 1, wherein the computer server upon execution of the instructions is further configured to send command signals to the camera sensor devices providing instructions regarding capture and transmission of imagery data.

3. The sensor system as recited in claim 1, wherein the plurality of camera sensor devices further comprises an aerial camera.

4. The sensor system as recited in claim 1, wherein the object recognition used to determine a value for an object includes comparing a first image of an object captured at a first time period with a second image of the object captured at a second time period different than the first time period.

5. The sensor system as recited in claim 1, wherein the computer server upon execution of the instructions is further configured to render on a display a digital footprint of the property indicating the location of one or more objects.

6. A method for determining values for one or more objects comprising:

capturing imagery data, from a plurality of camera sensor devices, of the one or more objects located in a property wherein each camera sensor device has a transmitter configured to couple to a network for transmitting the captured imagery data via the network, the plurality of camera sensor devices including;

a two-dimensional camera; and

a three-dimensional camera, wherein the two-dimensional camera and the three-dimensional camera are each configured to capture images in the visible spectrum, and wherein at least one of the two-dimensional camera and the three-dimensional camera is configured to capture images in the infrared spectrum;

aggregating captured imagery data, via a data storage component coupled to each of the plurality of sensors devices via the network, relating to the one or more objects located in the property;

encrypting the aggregated captured imagery data;

transmitting the encrypted aggregated captured imagery data via the Internet;

receiving the encrypted aggregated captured imagery data in a computer management module;

calculating, by the computer management module, a value for each of the one or more objects located in the property based on an object recognition analysis of the captured imagery data, the imagery data including at least one infrared image captured by the two-dimensional camera or the three-dimensional camera;

determining a current coverage amount for each of the one or more objects located in the property;

determining a gap in insurance coverage for each of the one or more objects located in the property based on an analysis of the calculated value and the determined coverage amount for each of the one or more objects located in the property;

identifying one or more insurance products to mitigate liability risks for the one or more objects located in the property determined to have a gap in insurance coverage; and

rendering, on a display, a digital footprint of the property indicating the location of the one or more objects and the respective identified insurance product to mitigate the liability risk for the object.