System and method for using object recognition to facilitate the collection of insurance information

• US 9,786,011 B1
• Filed: 12/04/2014
• Issued: 10/10/2017
• Est. Priority Date: 09/02/2014
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Engelhorn, Amy, Knarr, Kathryn E.
• Primary Examiner(s): Ebersman, Bruce I
• Application Number:
  US14/560,411
• Time in Patent Office: 1,041 Days
• Field of Search: 705 4
• CPC Class Codes: G06F 18/22 Matching criteria, e.g. proximity measures
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06V 20/10 Terrestrial scenes scenes under surveillance with static cameras G06V20/52; scenes perceived from the exterior of a vehicle G06V20/56; scenes perceived from the interior of a vehicle G06V20/59

Abstract

In a computer-implemented method, an insurance policyholder may be provided an electronic insurance form including at least a first field, the first field being associated with a query for which an accurate response depends on a type of an object associated with the insurance policyholder. An image of the object may be received. The image of the object may be processed according to an object recognition technique to identify at least one characteristic of the image of the object. The identified characteristic(s) may be used to determine the type of the object, and the insurance policyholder may be provided an indication of the determined type of the object to facilitate manual or automatic entry of accurate information in the first field. Additionally or alternatively, the indication of the determined type of the object may be automatically entered in the first field. An insurance policy or quote may be adjusted accordingly.

Claims

1. A computer-implemented method comprising:

providing, by one or more processors and via an Internet link, an existing or potential insurance policyholder an electronic insurance form including at least a first field, the first field being associated with a query for which an accurate response depends upon a type of an object associated with the insurance policyholder, wherein

providing the insurance policyholder the electronic insurance form includes providing a client device of the insurance policyholder software instructions that, when interpreted by a web browser application executing on the client device, cause the client device to (i) render the electronic insurance form within a web browser of the client device for display to the insurance policyholder and (ii) display, within the web browser, a user-interactive control that is associated with the first field and allows the insurance policyholder to submit one or more images;

receiving an image of the object from the insurance policyholder via the user-interactive control and the Internet link;

processing, by one or more processors, the image of the object according to an object recognition technique to identify physical features of the object, wherein the physical features include a ratio between different dimensions of an element of the object, and further include one or both of (i) a spacing between elements of the object, and (ii) a pattern created by elements of the object;

using, by one or more processors, the identified physical features to determine the type of the object, at least by comparing the physical features to physical features known to correspond to the type of the object; and

providing, by one or more processors and via the Internet link, the insurance policyholder an indication of the determined type of the object to facilitate entry of accurate information in the first field, wherein providing the indication of the determined type of the object includes at least one of (i) automatically populating the first field within the web browser in accordance with the determined type, or (ii) causing the web browser to generate a pop-up window indicating the determined type.

2. The computer-implemented method of claim 1, wherein using the identified physical features to determine the type of the object includes either (i) determining that the object is a particular type of object, or (ii) determining that the object is not the particular type of object.

3. The computer-implemented method of claim 1, wherein providing the client device software instructions includes providing the client device scripting language instructions to be interpreted by the web browser application executing on the client device.

4. The computer-implemented method of claim 1, wherein providing the insurance policyholder an indication of the determined type of the object includes providing the insurance policyholder a text indication of the determined type of the object.

5. The computer-implemented method of claim 1, wherein providing the insurance policyholder an indication of the determined type of the object includes automatically populating the first field within the web browser in accordance with the determined type.

6. The computer-implemented method of claim 5, further comprising:

determining, by one or more processors, a confidence level associated with the determined type of the object; and

determining, by one or more processors, whether the confidence level is above a threshold,

wherein providing the insurance policyholder an indication of the determined type of the object includes automatically populating the first field in response to determining that the confidence level is above the threshold.

7. The computer-implemented method of claim 1, wherein providing the insurance policyholder an indication of the determined type of the object includes:

providing the insurance policyholder a request for confirmation of the determined type of the object; and

in response to receiving confirmation of the determined type of the object from the insurance policyholder, automatically populating the first field.

8. The computer-implemented method of claim 1, wherein:

using the identified physical features to determine the type of the object includes using the identified physical features to determine two or more possible types of the object; and

providing the insurance policyholder an indication of the determined type of the object includes;

providing the insurance policyholder an indication of the two or more possible types of the object, and

in response to receiving a selection by the insurance policyholder of one of the two or more possible types of the object, automatically populating the first field according to the selected one of the two or more possible types of the object.

9. A tangible, non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:

provide, via an internet link, an existing or potential insurance policyholder an electronic insurance form including at least a first field, the first field being associated with a query for which an accurate response depends upon a type of an object associated with the insurance policyholder, wherein providing the insurance policyholder the electronic insurance form includes providing a client device of the insurance policyholder software instructions that, when interpreted by a web browser application executing on the client device, cause the client device to (i) render the electronic insurance form within a web browser of the client device for display to the insurance policyholder and (ii) display, within the web browser, a user-interactive control that is associated with the first field and allows the insurance policyholder to submit one or more images;

receive an image of the object from the insurance policyholder via the user-interactive control and the Internet link;

process, according to an object recognition technique, the image of the object to identify physical features of the image of the object, wherein the physical features include a ratio between different dimensions of an element of the object, and further include one or both of (i) a spacing between elements of the object, and (ii) a pattern created by elements of the object;

use the identified physical features to determine the type of the object; and

provide, via the Internet link, the insurance policyholder an indication of the determined type of the object to facilitate entry of accurate information in the first field, at lease by one or both of (i) automatically populating the first field within the web browser in accordance with the determined type, and (ii) causing the web browser to generate a pop-up window indicating the determined type.

10. The tangible, non-transitory computer-readable medium of claim 9, wherein the software instructions include scripting language instructions to be interpreted by the web browser application executing on the client device.

11. The tangible, non-transitory computer-readable medium of claim 9, wherein the instructions cause the one or more processors to provide the insurance policyholder an indication of the determined type of the object at least by automatically populating the first field within the web browser in accordance with the determined type.

12. The tangible, non-transitory computer-readable medium of claim 11, wherein the instructions further cause the one or more processors to:

determine a confidence level associated with the determined type of the object; and

determine whether the confidence level is above a threshold,

wherein the instructions cause the one or more processors to provide the insurance policyholder an indication of the determined type of the object at least by automatically populating the first field in response to determining that the confidence level is above the threshold.