System and Method for Intelligent Aerial Image Data Processing

• US 20150310557A1
• Filed: 04/25/2014
• Published: 10/29/2015
• Est. Priority Date: 04/25/2014
• Status: Abandoned Application

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Engelhorn, Amy
• Application Number:
  US14/262,037
• Publication Number:
  US 20150310557A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/16 Real estate
• CPC Class Codes: G06V 20/176 Urban or other man-made structures

Abstract

A computer implemented method for determining an insurance premium and/or eligibility is presented. The method receives a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location and an aerial image, wherein the aerial image corresponds to the geographic location. The method further identifies a first data category from the image and a data value corresponding to the data category; determine eligibility, and then if applicable calculates an insurance quote, based on at least the data value.

Claims

1. A computer implemented method for determining an insurance premium, the method comprising:

receiving, via a computer network, a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location;

receiving, via the computer network, an aerial image, wherein the aerial image depicts a structure located at the geographic location and a threshold distance surrounding the structure;

identifying, at one or more processors, a first data category of an object depicted in the image, wherein the object is depicted within the threshold distance surrounding the structure;

determining, at the one or more processors, a data value describing the object in further detail, wherein the data value is indicative of at least one of (i) a particular type, among a plurality of types associated with the first data category, of the object, (ii) a particular material, among a plurality of materials associated with the first data category, of the object, (iii) a quality or condition of the object, or (iv) a size of the object;

determining, at the one or more processors, that the data value matches a business rule; and

processing an insurance option, at the one or more processors, based on the data value matching the business rule.

2. The computer implemented method of claim 1, further comprising:

automatically populating, with the one or more processors, a field of a price quote application with the data value.

5. The method of claim 1, further comprising:

accessing, via the computer network, one or more aerial image databases; and

determining, at the one or more processors, that at least one aerial image database contains an aerial image corresponding to the geographic location.

6. The computer implemented method of claim 5, wherein at least one of the aerial image databases is a third party database.

7. The computer implemented method of claim 6, wherein determining, at the one or more processors, that at least one aerial image database contains an aerial image corresponding to the geographic location, further includes:

requesting, via the computer network, one or more on demand aerial images corresponding to the geographic location.

21. The computer implemented method of claim 1, wherein the data value is indicative of a particular material, among a plurality of materials associated with the first data category, of the object.

22. The computer implemented method of claim 1, wherein the data value is indicative of one or both of (i) a quality or condition of the object, or (ii) a size of the object.

3-4. -4. (canceled)

8. A computer device for determining an insurance premium, the computer device comprising;

one or more processors; and

one or more memories coupled to the one or more processors;

wherein the one or more memories include computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to;

receive, via a computer network, a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location;

receive, via the computer network, an aerial image, wherein the aerial image depicts a structure located at the geographic location and a threshold distance surrounding the structure;

identify a first data category of an object depicted in the image, wherein the object is depicted within the threshold distance surrounding the structure;

determine a data value describing the object in further detail, wherein the data value is indicative of at least one of (i) a particular type, among a plurality of types associated with the first data category, of the object, (ii) a particular material, among a plurality of materials associated with the first data category, of the object, (iii) a quality or condition of the object, or (iv) a size of the object;

determine that the data value matches a business rule; and

process an insurance option based on the data value matching the business rule.

9. The computer device of claim 8, wherein the computer executable instructions further cause the one or more processors to:

populate a field of a price quote application with the data value.

12. The computer device of claim 8, wherein the computer executable instructions further cause the one or more processors to:

access, via the computer network, one or more aerial image databases; and

determine that at least one aerial image database contains an aerial image corresponding to the geographic location.

13. The computer device of claim 12, wherein at least one of the aerial image databases is a third party database.

23. The computer device of claim 8, wherein the data value is indicative of a particular material, among a plurality of materials associated with the first data category, of the object.

24. The computer device of claim 8, wherein the data value is indicative of one or both of (i) a quality or condition of the object, or (ii) a size of the object.

10-11. -11. (canceled)

14. A non-transitory computer readable storage medium comprising non-transitory computer readable instructions stored thereon determining an insurance premium, the instructions when executed on one or more processors cause the one or more processors to:

receive, via a computer network, a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location;

receive, via the computer network, an aerial image, wherein the aerial image depicts a structure located at the geographic location and a threshold distance surrounding the structure;

identify a first data category of an object depicted in the image, wherein the object is depicted within the threshold distance surrounding the structure;

determine a data value describing the object in further detail, wherein the data value is indicative of at least one of (i) a particular type, among a plurality of types associated with the first data category, of the object, (ii) a particular material, among a plurality of materials associated with the first data category, of the object, (iii) a quality or condition of the object, or (iv) a size of the object;

determine that the data value matches a business rule; and

process an insurance option based on the data value matching the business rule.

15. The non-transitory computer readable storage medium of claim 14, wherein the instructions when executed on the one or more processors further cause the one or more processors to:

populate a field of a price quote application with the data value.

16. The non-transitory computer readable storage medium of claim 14, wherein the instructions when executed on the one or more processors further cause the one or more processors to:

decline an application based on the data value.

20. The non-transitory computer readable storage medium of claim 14, wherein the instructions when executed on the one or more processors further cause the one or more processors to:

access, via the computer network, one or more aerial image databases; and

determine that at least one aerial image database contains an aerial image corresponding to the geographic location.

25. The non-transitory computer readable storage medium of claim 14, wherein the data value is indicative of a particular material, among a plurality of materials associated with the first data category, of the object.

26. The non-transitory computer readable storage medium of claim 14, wherein the data value is indicative of one or both of (i) a quality or condition of the object, or (ii) a size of the object.

17-19. -19. (canceled)