SYSTEMS, METHODS, AND APPARATUS FOR OBJECT CLASSIFICATION BASED ON LOCALIZED INFORMATION

• US 20160180468A1
• Filed: 12/23/2014
• Published: 06/23/2016
• Est. Priority Date: 12/23/2014
• Status: Active Grant

• Current Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Original Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Inventors: Buss, Eamonn R., Durlin, Matthew C., Wilson, Brandon M., Gandhi, Nehal B.
• Granted Patent: US 10,290,060 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 16/285 Clustering or classification
• CPC Class Codes: G06F 16/5866 using information manually generated, e.g. tags, keywords, comments, manually generated location and time information
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/16 Real estate
• CPC Class Codes: G06V 10/17 using hand-held instruments
• 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
• CPC Class Codes: G06V 20/35 Categorising the entire scene, e.g. birthday party or wedding scene
• CPC Class Codes: G06V 20/36 Indoor scenes

Abstract

Systems, apparatus, methods, and articles of manufacture provide for image analysis using localized information. In one embodiment, an object (e.g., content of a building or other type of property) may be classified by determining the type of object and determining classification information associated with previously classified objects of the same type and associated with the same geographical area.

Claims

1. An image analysis method using localized information, the method comprising:

receiving, by a content classification system, an electronic image file associated with a geographical area;

identifying, by the content classification system, an object type of a first object that is represented in the electronic image file, by comparing the electronic image file to stored object image data using an image recognition process;

determining, by the content classification system, a previously classified second object based on stored historical object data that includes an object type of the second object,

wherein the object type of the second object is the same as the object type of the first object,

wherein the second object is associated with the geographical area, and

wherein the second object is not the first object;

determining object classification data associated with the second object based on the stored historical object data;

generating, by the content classification system, content classification information for the first object based on the object classification data for the second object; and

transmitting, by the content classification system, the content classification information for the first object.

2. A system for classifying property content based on image recognition and location information, comprising:

a mobile device;

a property classification system in communication with the mobile device; and

a content classification system in communication with the mobile device;

wherein the mobile device comprises;

a first processor;

an image capture device in communication with the first processor; and

a first computer-readable memory in communication with the first processor, the first computer-readable memory storing instructions that when executed by the first processor direct the first processor to;

determine a location of a first property;

determine property information associated with the first property;

transmit the location of the first property and the property information to the property classification system;

receive, from the property classification system, content information for at least one similar property;

receive, via the image capture device, an image captured at the property;

transmit the image to the content classification system;

receive, from the content classification system, content classification information; and

determine property content information for the first property based on the content information for the at least one similar property and the content classification information;

wherein the property classification system comprises;

a second processor;

a second computer-readable memory in communication with the second processor, the second computer-readable memory storing instructions that when executed by the second processor direct the second processor to;

receive, from the mobile device, the location of the first property and the property information;

identify, based on the location of the first property and the property information, the at least one similar property;

determine the content information for the at least one similar property;

transmit the content information for the at least one similar property to the mobile device;

and

wherein the content classification system comprises;

a third processor;

a third computer-readable memory in communication with the third processor, the third computer-readable memory storing instructions that when executed by the third processor direct the third processor to;

receive, from the mobile device, the image;

recognize, using an image recognition application, at least one object represented in the image;

for each at least one recognized object, determine respective content classification information; and

transmit the content classification information to the mobile device.

3. A property content classification system comprising:

a computerized mobile device comprising a property content classification mobile application, a user interface, a geolocation system, an image capture device, and a wireless communications interface,

wherein the property content classification mobile application comprises computer-readable instructions that when executed by the computerized mobile device direct the computerized mobile device to;

determine information about a first property associated with a first business;

determine, via the geolocation system, an indication of a geographical area associated with the first property;

transmit, to a business personal property valuation server via the wireless communications interface, the information about the first property and the indication of the geographical area associated with the first property; and

receive, from the business personal property valuation server, an indication of a respective insurance coverage limit for each of a plurality of business personal property categories;

and

the business personal property valuation server comprising a business personal property valuation service, stored property model data, and stored business information corresponding to a plurality of businesses,

wherein the business personal property valuation service comprises computer-readable instructions that when executed by the business personal property valuation server direct the business personal property valuation server to;

receive, from the computerized mobile device, the information about the first property and the indication of the geographical area associated with the first property;

identify, based on the geographical area, a plurality of second businesses in the geographical area;

determine, for each of the plurality of identified second businesses in the geographical area and based on the stored business information, respective business information;

comparing, based on the stored property model data, the information about the first property with the determined business information for the identified second businesses in the geographical area, to identify at least one similar second business in the geographical area;

determine, for each similar second business in the geographical area and based on the stored business information, respective business personal property values for each of the plurality of business personal property categories;

determine, for the first property, a respective insurance coverage limit for each of the plurality of business personal property categories, based on the business personal property values associated with each similar second business in the geographical area; and

transmit the indication of the respective insurance coverage limit for each of the plurality of business personal property categories to the computerized mobile device.

4. The property content classification system of claim 3, wherein the plurality of business personal property categories includes two or more of the following categories:

computers,

equipment,

finished goods,

furniture,

raw materials,

vehicles, and

total contents.

5. The property content classification system of claim 3, wherein the computer-readable instructions of the property content classification mobile application when executed by the computerized mobile device further direct the computerized mobile device to:

receive, via the image capture device, an electronic image file including a representation of a personal property object at the first property; and

transmit the electronic image file to the business personal property valuation server.

6. The property content classification system of claim 5, wherein the computer-readable instructions of the business personal property valuation service when executed by the business personal property valuation server further direct the business personal property valuation server to:

receive the electronic image file from the computerized mobile device; and

identify an object type of the personal property object of the electronic image file, by comparing the electronic image file to stored object image data using an image recognition process.

7. The property content classification system of claim 6, wherein the computer-readable instructions of the business personal property valuation service when executed by the business personal property valuation server further direct the business personal property valuation server to:

determine a previously classified second personal property object based on stored historical personal property object data that includes an object type of the second personal property object,

wherein the object type of the second personal property object is the same as the object type of the personal property object, and

wherein the second personal property object is not the personal property object; and

determine an indication of a previously established value of the second personal property object based on the stored historical personal property object data.

8. The property content classification system of claim 7, wherein the computer-readable instructions of the business personal property valuation service when executed by the business personal property valuation server further direct the business personal property valuation server to:

generate an insurance coverage value for the personal property object based on the previously established value of the second personal property object; and

transmit an indication of the insurance coverage value for the personal property object to the computerized mobile device.

9. The property content classification system of claim 5, wherein the personal property object comprises one of:

a shelving unit,

an electronic appliance,

a cash register,

a finished product,

product inventory,

a vehicle,

an office appliance, and

a building fixture.

10. The property content classification system of claim 3, wherein the information about the first property includes at least one of:

an indication of annual sales of the first business,

an indication of a size of a building at the first property,

an indication of an industry type of the first business, and

an indication of a number of employees of the first business.

11. The property content classification system of claim 3, wherein the stored business information comprises least one of:

earnings statements,

balance sheets, and

financial statements.

12. The property content classification system of claim 3, wherein the computer-readable instructions of the property content classification mobile application when executed by the computerized mobile device further direct the computerized mobile device to:

transmit an indication of the respective insurance coverage limit for each of the plurality of business personal property categories to an insurance policy application system.

13. The property content classification system of claim 3, wherein the computer-readable instructions of the business personal property valuation service when executed by the business personal property valuation server further direct the business personal property valuation server to:

transmit an indication of the respective insurance coverage limit for each of the plurality of business personal property categories to an insurance policy application system.

14. A method comprising:

determining information about a first property associated with a first business;

determining, via a geolocation system, an indication of a geographical area associated with the first property;

identifying, based on the geographical area, a plurality of second businesses in the geographical area;

determining, for each of the plurality of identified second businesses in the geographical area and based on stored business information corresponding to a plurality of businesses, respective business information;

comparing, based on stored property model data, the information about the first property with the determined business information for the identified second businesses in the geographical area, to identify at least one similar second business in the geographical area;

determining, for each similar second business in the geographical area and based on the stored business information, respective business personal property values for each of a plurality of business personal property categories;

determining, for the first property, a respective insurance coverage limit for each of the plurality of business personal property categories, based on the business personal property values associated with each similar second business in the geographical area; and

transmitting an indication of the respective insurance coverage limit for at least one of the plurality of business personal property categories,

wherein at least one of the steps of the method is performed by a business personal property valuation server comprising a business personal property valuation service.

15. The method of claim 14, wherein the plurality of business personal property categories includes two or more of the following categories:

computers,

equipment,

finished goods,

furniture,

raw materials,

vehicles, and

total contents.

16. The method of claim 14, further comprising:

receiving an electronic image file captured via an image capture device and including a representation of a personal property object at the first property.

17. The method of claim 16, further comprising:

identifying an object type of the personal property object of the electronic image file, by comparing the electronic image file to stored object image data using an image recognition process.

18. The method of claim 17, further comprising:

determining a previously classified second personal property object based on stored historical personal property object data that includes an object type of the second personal property object,

wherein the object type of the second personal property object is the same as the object type of the personal property object, and

wherein the second personal property object is not the personal property object; and

determining an indication of a previously established value of the second personal property object based on the stored historical personal property object data.

19. The method of claim 18, further comprising:

generating an insurance coverage value for the personal property object based on the previously established value of the second personal property object; and

transmitting an indication of the insurance coverage value for the personal property object.

20. The method of claim 16, wherein the personal property object comprises one of:

a shelving unit,

an electronic appliance,

a cash register,

a finished product,

product inventory,

a vehicle,

an office appliance, and

a building fixture.

21. The method of claim 14, wherein the information about the first property includes at least one of:

an indication of annual sales of the first business,

an indication of a size of a building at the first property,

an indication of an industry type of the first business, and

an indication of a number of employees of the first business.

22. The method of claim 14, wherein the stored business information comprises least one of:

earnings statements,

balance sheets, and

financial statements.

23. The method of claim 14, further comprising:

transmitting, from a computerized mobile device, an indication of the respective insurance coverage limit for each of the plurality of business personal property categories to an insurance policy application system.

24. The method of claim 14, further comprising:

transmitting, from the business personal property valuation server, an indication of the respective insurance coverage limit for each of the plurality of business personal property categories to an insurance policy application system.