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Methods and systems to generate property insurance data based on aerial images

  • US 10,453,147 B1
  • Filed: 09/14/2015
  • Issued: 10/22/2019
  • Est. Priority Date: 10/15/2014
  • Status: Active Grant
First Claim
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1. A computer implemented method for automatically detecting property changes by tracking physical characteristics of the property using image recognition, the method comprising:

  • storing, on a memory of a computing device, image data, spatial location data, property characteristic data relating to the image data, an image data receiving module, a spatial location data receiving module, a spatial location data and image data association module, a property characteristic recognition module, and a property change data generation module;

    receiving, at a processor of a computing device, spatial location data in response to the processor executing the spatial location data receiving module, wherein the spatial location data is representative of a geographic location of the property;

    receiving, at a processor of a computing device, image data, from a digital camera, in response to the processor executing the image data receiving module, wherein the image data is representative of a series of aerial images of property taken from multiple perspectives, and wherein the image data is representative of at least one aerial image that is acquired by an imaging device attached to an unmanned aircraft from less than five-hundred feet above the property;

    extracting, using a processor of a computing device, property characteristic data, from the image data, in response to the processor executing the property characteristic recognition module that includes geometric calculations to measure square footage based on information extracted from the image data, wherein the property characteristic data is representative of square footage measurements of the property, the square footage measurements of the property are stored in the property characteristic record as property characteristic data relating to the image data;

    associating, using a processor of a computing device, the property characteristic data and the spatial location data, in response to the processor executing the spatial location data and image data association module;

    creating the property characteristic record for the property comprising the image data the spatial location data, and the property characteristic data;

    storing spatial location data and initial property characteristic data in the property characteristic record, wherein the initial property characteristic data is representative of the property prior to a first property damage claim;

    recognizing and tracking property characteristics of the property in the image series as property characteristic data by processing square footage measurements of at least one property characteristic of the property, in response to a processor executing the property characteristic recognition module and adding the property characteristic data to the property characteristic record;

    generating, using a processor of a computing device, property change data, based on the property characteristic data, in response to the processor executing a property change data generation module; and

    automatically updating the property characteristic record with the property characteristic data including the property change data.

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