Mobile computing device for real-time accident documentation and claim submission

• US 10,217,168 B2
• Filed: 02/27/2013
• Issued: 02/26/2019
• Est. Priority Date: 05/24/2012
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Tofte, Nathan Lee, Gish, Kristina Renee, Chizmar, Jennifer
• Primary Examiner(s): Hamilton, Sarah C
• Application Number:
  US13/778,977
• Publication Number:
  US 20130317864A1
• Time in Patent Office: 2,190 Days
• Field of Search: 705 4, 701 323, 701 332, 701 333
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A mobile computing device that facilitates efficient and convenient processing of an insurance claim. The mobile computing device can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user'"'"'s vehicle and the scene of the accident are generated and displayed on the mobile computing device. Damaged portions of the user'"'"'s vehicle can be identified automatically or by the user. Damage can be tagged using the mobile computing device and additional data can be provided by the user and associated with each tag. The mobile computing device can be used to provide a preliminary claim assessment, submit a completed insurance claim application to an insurance provider, and/or process the insurance claim.

Claims

1. A mobile computing device comprising:

a handheld device including;

a non-transitory computer readable media having stored thereon an processing application;

a camera;

an interface; and

a processor, wherein said processor upon execution of the processing application, is configured to;

receive first video images captured by the camera, including at least panned video images of a vehicle and physical scene of physical surroundings of the vehicle;

display, via the interface, the captured first video images in real time;

transmit the captured first video images to a remote server;

receive from the remote server a request for second video images, including at least the panned video images of the vehicle and physical scene of physical surroundings of the vehicle, and a pacing feature including information indicating a rate for panning the camera while capturing the second video images by the camera;

receive second video images captured by the camera;

display, via the interface, the captured second video images and a dynamic image of the pacing feature in real time;

transmit the captured second video images to the remote server;

receive a model of the vehicle included in a model of the physical scene of the physical surroundings of the vehicle from the remote server, wherein the model of the vehicle and the model of the physical scene are based on the transmitted second video images captured by the camera and wherein the model of the vehicle and the model of the physical scene are generated by the remote server from the second video images;

automatically identify an auto-indicated damaged portion of the vehicle in the model of the vehicle, comprising;

(i) extracting one or more features from the model of the vehicle, wherein the extracted one or more features are selected from color, texture, brightness, contrast, edge detection, corner detection, text, coordinates relative to coordinate system of the model of the vehicle, coordinates relative to a coordinate other than that of the model of the vehicle, depth/surface mapping,

(ii) analyzing the one or more extracted features and identifying portions of the vehicle in the model of the vehicle where the one or more extracted features are irregular or not in alignment with reference object data;

display on the handheld device the model of the vehicle included in the model of the physical scene of the physical surroundings of the vehicle;

receive a user input indicating a user-indicated damaged portion of the vehicle in the model of the vehicle;

display on the handheld device both the auto-indicated damaged portion of the vehicle in the model of the vehicle and the user-indicated damaged portion of the vehicle in the model of the vehicle;

receive data associated with either the auto-indicated damaged portion or the user-indicated damaged portion of the model of the vehicle; and

transmit either the auto-indicated damaged portion of the vehicle in the model of the vehicle and the data associated with the auto-indicated damaged portion of the vehicle or the user-indicated damaged portion of the vehicle and the data associated with the user-indicated damaged portion of the vehicle.

2. The mobile computing device of claim 1, wherein:

the associated data comprises at least one of a force of impact on the vehicle, a force of impact on an occupant of the vehicle, an identity of a damaged vehicle component, and an identity of a candidate damaged component of the vehicle.

3. The mobile computing device of claim 1, wherein:

the associated data comprises at least one of a force of impact on the vehicle, a force of impact on an occupant of the vehicle, an identity of a damaged object component, and an identity of a candidate damaged component of the vehicle; and

said processor, upon execution of the processing application, is further configured to;

determine a cost of repair based on at least one of the identity of the damaged vehicle component and the identity of the candidate damaged vehicle component; and

provide an initial claim assessment when the cost of repair is less than a threshold repair cost.

4. The mobile computing device of claim 1, wherein

the associated data comprises at least one of a force of impact on the vehicle, a force of impact on an occupant of the vehicle, an identity of a damaged vehicle component, and an identity of a candidate damaged component of the vehicle;

and

said processor, upon execution of the processing application, is further configured to;

analyze the force of impact on the occupant to identify a potential injury to the occupant; and

analyze the force of impact on the occupant to validate a medical claim of the occupant.

5. The mobile computing device of claim 1, wherein the associated data further includes at least one of text data, voice data, and video image data.

6. The mobile computing device of claim 1, wherein the model of the vehicle received from the remote server is a three dimensional model.

7. The mobile computing device of claim 1, wherein:

said processor, upon execution of the processing application, is further configured to;

retrieve vehicle information associated with the vehicle from a database;

retrieve scene information from the database, the scene information including a location of the vehicle;

generate the model of the physical scene of the physical surroundings of the vehicle by analyzing the scene information; and

generate a model of the vehicle by analyzing the vehicle information.

8. The mobile computing device of claim 1, wherein the associated data includes ancillary data, the ancillary data including at least one of accident location information, accident time information, accident weather information, and emergency services information.

9. The mobile computing device of claim 1, wherein said processor, upon execution of the processing application, is further configured to:

receive data associated with a second vehicle;

generate a model of the second vehicle using the data associated with the second vehicle data; and

analyze the data associated with the second vehicle to identify a damaged portion of the second vehicle.

10. The mobile computing device of claim 1, wherein:

said processor, upon execution of the processing application, is further configured to;

receive a user indication of a damaged portion of the vehicle; and

receive an indication of a damaged portion of the vehicle from a source other than the user.

11. The mobile computing device of claim 1, wherein said processor, upon execution of the insurance claim processing application is further configured to:

request additional user data if the indication and the associated data does not satisfy predefined processing criteria.

12. A mobile computing device comprising:

a handheld device including;

a non-transitory computer readable media having stored thereon an processing application;

a camera;

a touch screen display; and

a processor, wherein said processor upon execution of the processing application, is configured to;

receive first video images captured by the camera, including at least panned video images of a vehicle and physical scene of physical surroundings of the vehicle;

display, via the touch screen display, the captured first video images in real time;

transmit the captured first video images to a remote server;

receive from the remote server a request for second video images, including the at least panned video images of the vehicle and physical scene of physical surroundings of the vehicle, and a pacing feature including information indicating a rate for panning the camera while capturing the second video images by the camera;

receive second video images captured by the camera;

display, via the touch screen display, the captured second video images and a dynamic image of the pacing feature in real time;

transmit the captured second video images to the remote server;

receive a model of the vehicle included in a model of the physical scene surrounding the vehicle from the remote server, wherein the model of the vehicle and the model of the physical scene are based on the transmitted second video images captured by the camera, wherein the model of the vehicle and the model of the physical scene are generated by the remote server from the second video images;

automatically identify an auto-indicated damaged portion of the vehicle in the model of the vehicle, comprising;

(i) extracting one or more features from the model of the vehicle, wherein the extracted one or more features are selected from color, texture, brightness, contrast, edge detection, corner detection, text, coordinates relative to coordinate system of the model of the vehicle, coordinates relative to a coordinate other than that of the model of the vehicle, depth/surface mapping,

(ii) analyzing the one or more extracted features and identifying portions of the vehicle in the model of the vehicle where the one or more extracted features are irregular or not in alignment with reference object data;

display on the handheld device the model of the vehicle included in the model of the physical scene of the physical surroundings of the vehicle;

receive a user input via the touch screen display indicating a user-indicated damaged portion of the vehicle in the model of the vehicle corresponding to a damaged portion of the vehicle;

provide an indication corresponding to the user-indicated damaged portion of the vehicle;

display on the handheld device the indication corresponding to the user-indicated damaged portion of the vehicle;

receive data associated with the user-indicated damaged portion of the vehicle, the associated data comprising at least one of a force of impact on the vehicle, a force of impact on an occupant of the vehicle, an identity of a damaged vehicle component, and an identity of a candidate damaged component of the vehicle;

transmit the user-indicated portion of the vehicle and the data associated with the user-indicated damaged portion of the vehicle to the remote server;

receive an updated model of the vehicle from the remote server, wherein the updated model of the vehicle is based on the data associated with the user-indicated damaged portion of the vehicle;

display on the touch screen display both the auto-indicated damaged portion of the vehicle in the updated model of the vehicle and the user-indicated damaged portion of the vehicle in the updated model of the vehicle;

determine a cost of repair based on at least one of the identity of the damaged vehicle component and the identity of the candidate damaged vehicle component; and

provide an initial assessment when the cost of repair is less than a threshold repair cost.

13. The mobile computing device of claim 12, wherein the associated data further includes at least one of text data, voice data, and video image data.

14. The mobile computing device of claim 12, wherein the model of the vehicle received from the remote server is a three dimensional model.