Device and method for building claim assessment
First Claim
Patent Images
1. A system configured to automatically assess a claim, the system comprising:
- a controllable inspection vehicle including an image sensor, the controllable inspection vehicle controlled via a transportation module configured to cause the controllable inspection vehicle to travel around a geographic area; and
a device including;
an input unit;
a processing unit;
a memory unit; and
a claim assessment module configured to cause the device to;
receive one or more captured images of an identified building, the one or more captured images captured, via the image sensor, from one or more locations traversed by the controllable inspection vehicle;
automatically perform an analysis of the one or more captured images, including;
(i) automatically perform a comparison between the one or more captured images and one or more reference images;
(ii) automatically calculate, based on results of the image comparison, damage to the identified building, including identifying parts for repair or replacement; and
(iii) automatically estimate a remedial financial cost to remedy the damage calculated from the image comparison;
perform a fraud analysis of past events relevant to the claim, wherein the past events occurred prior to the device receiving the one or more captured images; and
generate a claim assessment based, at least in part, on (i) results of the analysis of the one or more captured images, the results of the analysis including the estimated remedial financial cost and (ii) results from the fraud analysis.
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Abstract
Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing.
152 Citations
18 Claims
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1. A system configured to automatically assess a claim, the system comprising:
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a controllable inspection vehicle including an image sensor, the controllable inspection vehicle controlled via a transportation module configured to cause the controllable inspection vehicle to travel around a geographic area; and a device including; an input unit; a processing unit; a memory unit; and a claim assessment module configured to cause the device to; receive one or more captured images of an identified building, the one or more captured images captured, via the image sensor, from one or more locations traversed by the controllable inspection vehicle; automatically perform an analysis of the one or more captured images, including; (i) automatically perform a comparison between the one or more captured images and one or more reference images; (ii) automatically calculate, based on results of the image comparison, damage to the identified building, including identifying parts for repair or replacement; and (iii) automatically estimate a remedial financial cost to remedy the damage calculated from the image comparison;
perform a fraud analysis of past events relevant to the claim, wherein the past events occurred prior to the device receiving the one or more captured images; andgenerate a claim assessment based, at least in part, on (i) results of the analysis of the one or more captured images, the results of the analysis including the estimated remedial financial cost and (ii) results from the fraud analysis. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A non-transitory computer-readable storage medium comprising instructions executable by one or more processors to cause one or more processors to:
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receive via the one or more processors one or more captured images of an identified building or vehicle, the one or more captured images having been captured via an image sensor carried by a controllable inspection vehicle while the controllable inspection vehicle traversed a geographic area; automatically perform an analysis of the one or more captured images, including; (i) automatically perform via the one or more processors a comparison between the one or more captured images and one or more reference images; (ii) automatically calculate, based on results of the image comparison and via the one or more processors damage to the identified building or vehicle, including identifying parts for repair or replacement; and (iii) automatically estimate, via the one or more processors, a remedial financial cost to remedy the damage calculated from the image comparison; perform a fraud analysis of past events relevant to the claim, the past events having occurred prior to receiving the one or more captured images; and generate via the one or more processors a claim assessment based, at least in part, on (i) results of the analysis of the one or more captured images, the results of the analysis including the estimated remedial financial cost, and (ii) results from the fraud analysis. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A method, implemented at a computing device having a processor, of automatically assessing a claim, the method comprising:
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automatically receiving, using the processor, one or more captured images of an identified building or vehicle, the one or more captured images having been captured via an image sensor carried by a controllable inspection vehicle while the controllable inspection vehicle traversed a geographic area; automatically performing an analysis of the one or more captured images, including; (i) automatically performing, using the processor, a comparison between the one or more captured images and one or more reference images; (ii) automatically calculating, using the processor and based on results of the image comparison, damage to the identified building or vehicle, said automatically calculating including identifying parts for repair or replacement; and (iii) automatically estimating, using the processor, a remedial financial cost to remedy the damage calculated from the image comparison; automatically performing a fraud analysis of past events relevant to the claim, wherein the past events having occurred prior to receiving the one or more captured images; and automatically generating, using the processor, a claim assessment based, at least in part, on (i) results of the analysis of the one or more captured images, including the estimated remedial financial cost, and (ii) results from the fraud analysis. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification