Enhanced Image Capture and Analysis of Damaged Tangible Objects
First Claim
1. A method comprising:
- receiving data indicating that an accident has occurred;
prompting a user affected by the accident to provide responses to one or more questions regarding the accident and one or more pictures of property damaged in the accident, wherein the prompting the user to provide one or more pictures of property damaged in the accident includes;
activating a camera of a mobile device associated with the user; and
generating a semi-translucent overlay on a viewport of the mobile device, wherein the semi-translucent overlay corresponds to an area of the property damaged in the accident;
capturing, with the activated camera, one or more pictures of the property damaged in the accident, wherein an outer boundary of the one or more picture traces the semi-translucent overlay;
calculating, based on the received data, responses to the one or more questions, and the one or more pictures of property damaged in the accident, repair costs for the property damaged in the accident and insurance policy premium changes associated with filing an insurance claim to cover the calculated repair costs;
receiving user indication that the user wants to file the insurance claim to cover the calculated repair costs; and
responsive to receiving the user indication to file the insurance claim, depositing a payment into a payment account associated with the user, wherein the deposited payment corresponds to the calculated repair costs for the property damaged in the accident.
1 Assignment
0 Petitions
Accused Products
Abstract
Apparatuses, systems, and methods are provided for the usage of enhanced pictures (e.g., photos) of tangible objects (e.g., property, cars, etc.) damaged in an accident and answers to questions about the accident to better assess the effect of the damage (e.g., repair expenses and accompanying changes to an insurance policy). A pre-FNOL system may receive responses to one or more questions regarding an accident and one or more enhanced pictures of the tangible property damaged in the accident. The pre-FNOL system may use the responses to the one or more questions and the one or more enhanced pictures to determine repair costs associated with the damaged property and accompanying changes to the insurance policy if an insurance claim were to be filed to cover the determined repairs costs.
28 Citations
20 Claims
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1. A method comprising:
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receiving data indicating that an accident has occurred; prompting a user affected by the accident to provide responses to one or more questions regarding the accident and one or more pictures of property damaged in the accident, wherein the prompting the user to provide one or more pictures of property damaged in the accident includes; activating a camera of a mobile device associated with the user; and generating a semi-translucent overlay on a viewport of the mobile device, wherein the semi-translucent overlay corresponds to an area of the property damaged in the accident; capturing, with the activated camera, one or more pictures of the property damaged in the accident, wherein an outer boundary of the one or more picture traces the semi-translucent overlay; calculating, based on the received data, responses to the one or more questions, and the one or more pictures of property damaged in the accident, repair costs for the property damaged in the accident and insurance policy premium changes associated with filing an insurance claim to cover the calculated repair costs; receiving user indication that the user wants to file the insurance claim to cover the calculated repair costs; and responsive to receiving the user indication to file the insurance claim, depositing a payment into a payment account associated with the user, wherein the deposited payment corresponds to the calculated repair costs for the property damaged in the accident. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. An apparatus comprising:
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a processor; and memory storing computer readable instructions that, when executed by the processor, cause the apparatus to; receive data indicating that an accident has occurred; prompt a user affected by the accident to provide responses to one or more questions regarding the accident and one or more pictures of property damaged in the accident, wherein the prompt the user to provide one or more pictures of property damaged in the accident includes; activate a camera of a mobile device associated with the user; and generate a semi-translucent overlay on a viewport of the mobile device, wherein the semi-translucent overlay corresponds to an area of the property damaged in the accident; capture, with the activated camera, one or more pictures of the property damaged in the accident, wherein an outer boundary of the one or more picture traces the semi-translucent overlay; calculate, based on the received data, responses to the one or more questions, and one or more pictures of property damaged in the accident, repair costs for the property damaged in the accident and insurance policy premium changes associated with filing an insurance claim to cover the calculated repair costs; receive user indication that the user wants to file the insurance claim to cover the calculated repair costs; and responsive to receiving the user indication to file the insurance claim, deposit a payment into a payment account associated with the user, wherein the deposited payment corresponds to the calculated repair costs for the property damaged in the accident. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system, comprising:
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at least one processor; and at least one memory storing computer readable instructions that, when executed by the at least one processor, cause the system to; receive data indicating that an accident has occurred; prompt a user affected by the accident to provide responses to one or more questions regarding the accident and one or more pictures of property damaged in the accident, wherein the prompt the user to provide one or more pictures of property damaged in the accident includes; activate a camera of a mobile device associated with the user; and generate a semi-translucent overlay on a viewport of the mobile device, wherein the semi-translucent overlay corresponds to an area of the property damaged in the accident; capture, with the activated camera, one or more pictures of the property damaged in the accident, wherein an outer boundary of the one or more picture traces the semi-translucent overlay; calculate, based on the received data, responses to the one or more questions, and one or more pictures of property damaged in the accident, repair costs for the property damaged in the accident and insurance policy premium changes associated with filing an insurance claim to cover the calculated repair costs; receive user indication that the user wants to file the insurance claim to cover the calculated repair costs; and responsive to receiving the user indication to file the insurance claim, deposit a payment into a payment account associated with the user, wherein the deposited payment corresponds to the calculated repair costs for the property damaged in the accident. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification