Virtual home inspection
First Claim
1. A method for facilitating a virtual inspection of an insurable area, the method comprising:
- receiving, at a remote server, an indication of a request selected via a first graphical user interface presented at a user mobile device including a downloaded application, the indication received from a user at the user mobile device including the downloaded application configured to perform the virtual inspection of the insurable area;
determining, at the remote server, one or more information items needed for making an insurance decision with respect to the insurable area, the one or more information items comprising information for at least two rooms associated with the insurable area;
when a live agent is available, then providing, by the remote server, a live communication session via a first wireless channel between the live agent coupled to the remote server and the user via the user mobile device, the live communication session comprising communicated instructions from the live agent to the user for capturing, by a camera at the user mobile device, one or more video image items for the at least two rooms based on the determined one or more information items;
when a live agent is not available, then providing, by the remote server, a set of visual instructions to the user mobile device via a second wireless channel, the set of visual instructions triggering, at the user mobile device including the downloaded application, display for the user a second graphical user interface presenting the set of visual instructions for capturing, by the camera at the user mobile device, the one or more video image items for the at least two rooms based on the determined one or more information items, the set of visual instructions comprising an identification of the at least two rooms for which the one or more video image items for the at least two rooms are to be captured;
receiving, by the remote server, the one or more video image items from the user mobile device in response to the instructions;
determining, by the remote server, a location associated with the user mobile device and/or associated with a geotag associated with the one or more video image items;
validating, by the remote server, that the virtual inspection is associated with the insurable area by comparing the location with location information associated with the insurable area; and
providing, by the remote server, the insurance decision for the insurable area based on the received one or more video image items, wherein a set of existing information provided regarding the insurable area is validated automatically based on information extracted from the set of video image items.
1 Assignment
0 Petitions
Accused Products
Abstract
A method, system and computer-readable medium are provided for facilitating a virtual inspection of an insurable area, the method including the steps of receiving an indication of a request from a user at a user mobile device to perform a virtual inspection of an insurable area, determining one or more information items needed with respect to the insurable area, providing a set of instructions to the user at the mobile device for capturing one or more image items based on the determined one or more information items, receiving a set of image items from the mobile device in response to the instructions and providing an insurance decision for the insurable area based on the received set of image items.
10 Citations
17 Claims
-
1. A method for facilitating a virtual inspection of an insurable area, the method comprising:
-
receiving, at a remote server, an indication of a request selected via a first graphical user interface presented at a user mobile device including a downloaded application, the indication received from a user at the user mobile device including the downloaded application configured to perform the virtual inspection of the insurable area; determining, at the remote server, one or more information items needed for making an insurance decision with respect to the insurable area, the one or more information items comprising information for at least two rooms associated with the insurable area; when a live agent is available, then providing, by the remote server, a live communication session via a first wireless channel between the live agent coupled to the remote server and the user via the user mobile device, the live communication session comprising communicated instructions from the live agent to the user for capturing, by a camera at the user mobile device, one or more video image items for the at least two rooms based on the determined one or more information items; when a live agent is not available, then providing, by the remote server, a set of visual instructions to the user mobile device via a second wireless channel, the set of visual instructions triggering, at the user mobile device including the downloaded application, display for the user a second graphical user interface presenting the set of visual instructions for capturing, by the camera at the user mobile device, the one or more video image items for the at least two rooms based on the determined one or more information items, the set of visual instructions comprising an identification of the at least two rooms for which the one or more video image items for the at least two rooms are to be captured; receiving, by the remote server, the one or more video image items from the user mobile device in response to the instructions; determining, by the remote server, a location associated with the user mobile device and/or associated with a geotag associated with the one or more video image items; validating, by the remote server, that the virtual inspection is associated with the insurable area by comparing the location with location information associated with the insurable area; and providing, by the remote server, the insurance decision for the insurable area based on the received one or more video image items, wherein a set of existing information provided regarding the insurable area is validated automatically based on information extracted from the set of video image items. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A system for facilitating a virtual inspection of an insurable area, the system comprising:
-
a downloaded application installed at a user mobile device; and a remote server, the server comprising at least one processor including program code which when executed causes operations comprising; receiving, at a remote server, an indication of a request selected via a first graphical user interface presented at a user mobile device including a downloaded application, the indication received from a user at the user mobile device including the downloaded application configured to perform the virtual inspection of the insurable area; determining, at the remote server, one or more information items needed for making an insurance decision with respect to the insurable area, the one or more information items comprising information for at least two rooms associated with the insurable area; when a live agent is available, then providing, by the remote server, a live communication session via a first wireless channel between the live agent coupled to the remote server and the user via the user mobile device, the live communication session comprising communicated instructions from the live agent to the user for capturing, by a camera at the user mobile device, one or more video image items for the at least two rooms based on the determined one or more information items; when a live agent is not available, then providing, by the remote server, a set of visual instructions to the user mobile device via a second wireless channel, the set of visual instructions triggering, at the user mobile device including the downloaded application, display for the user a second graphical user interface presenting the set of visual instructions for capturing, by the camera at the user mobile device, the one or more video image items for the at least two rooms based on the determined one or more information items, the set of visual instructions comprising an identification of the at least two rooms for which the one or more video image items for the at least two rooms are to be captured; receiving, by the remote server, the one or more video image items from the user mobile device in response to the instructions; determining, by the remote server, a location associated with the user mobile device and/or associated with a geotag associated with the one or more video image items; validating, by the remote server, that the virtual inspection is associated with the insurable area by comparing the location with location information associated with the insurable area; and providing, by the remote server, the insurance decision for the insurable area based on the received one or more video image items, wherein a set of existing information provided regarding the insurable area is validated automatically based on information extracted from the set of video image items. - View Dependent Claims (13, 14)
-
-
15. A non-transitory computer-readable medium including program code which when executed by at least one processor causes operations comprising:
-
receiving, at a remote server, an indication of a request selected via a first graphical user interface presented at a user mobile device including a downloaded application, the indication received from a user at the user mobile device including the downloaded application configured to perform the virtual inspection of the insurable area; determining, at the remote server, one or more information items needed for making an insurance decision with respect to the insurable area, the one or more information items comprising information for at least two rooms associated with the insurable area; when a live agent is available, then providing, by the remote server, a live communication session via a first wireless channel between the live agent coupled to the remote server and the user via the user mobile device, the live communication session comprising communicated instructions from the live agent to the user for capturing, by a camera at the user mobile device, one or more video image items for the at least two rooms based on the determined one or more information items; when a live agent is not available, then providing, by the remote server, a set of visual instructions to the user mobile device via a second wireless channel, the set of visual instructions triggering, at the user mobile device including the downloaded application, display for the user a second graphical user interface presenting the set of visual instructions for capturing, by the camera at the user mobile device, the one or more video image items for the at least two rooms based on the determined one or more information items, the set of visual instructions comprising an identification of the at least two rooms for which the one or more video image items for the at least two rooms are to be captured; receiving, by the remote server, the one or more video image items from the user mobile device in response to the instructions; determining, by the remote server, a location associated with the user mobile device and/or, associated with a geotag associated with the one or more video image items; validating, by the remote server, that the virtual inspection is associated with the insurable area by comparing the location with location information associated with the insurable area; and providing, by the remote server, the insurance decision for the insurable area based on the received one or more video image items, wherein a set of existing information provided regarding the insurable area is validated automatically based on information extracted from the set of video image items. - View Dependent Claims (16)
-
-
17. A method for facilitating a virtual inspection of an insurable area, the method comprising:
-
receiving, at a remote server, an indication of a request selected via a first graphical user interface presented at a user mobile device including a downloaded application, the indication received from a user at the user mobile device including the downloaded application configured to perform the virtual inspection of the insurable area; determining, at the remote server, one or more information items needed with respect to the insurable area; providing, by the remote server, a set of instructions via a wireless channel to the user at the mobile device for capturing one or more image items based on the determined one or more information items, the set of instruction triggering when received the user mobile device including the downloaded application to display a second graphical user interface including the set of instructions; receiving, by the remote server, the one or more image items from the mobile device in response to the instructions; determining, by the remote server, a location associated with the user mobile device and/or associated with a geotag for the one or more video image items; validating, by the remote server, that the virtual inspection is associated with the insurable area by comparing the location with a location associated with the insurable area; and providing, by the remote server, an insurance decision for the insurable area based on the received one or more image items, wherein a set of existing information provided regarding the insurable area is validated automatically based on the location of the mobile device or from the geotag associated with the one or more image items.
-
Specification