# US 12,182,891 B2 · Systems and methods for executing a customized home search > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,891 B2 - Document ID: US12182891B2 - Status: Granted - Kind: B2 - Application number: 18/320,044 - Filed: 2023-05-18 - Published: 2023-09-14 - Granted: 2024-12-31 - Earliest claimed: 2017-11-16 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: John Ryan Hailey; John Andrew Schirano; Erin Ann Olander - Web page: https://patentgrep.com/patent/US12182891B2 ## CPC - G06Q 50/16: Real estate - G06Q 30/0201: Market modelling; Market analysis; Collecting market data - G06Q 30/0283: Price estimation or determination - G06Q 40/03: Credit; Loans; Processing thereof - G06T 7/0002: {Inspection of images, e.g. flaw detection} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06T: IMAGE DATA PROCESSING OR GENERATION, IN GENERAL ## Abstract A home cost analysis server for executing a customized home search may include a processor programmed to define a user budget constraint, receive a list of available homes, and determine an initial monthly cost for each home. The processor may also identify one or more additional home costs based on historical insurance claim data. The processor may also display available homes that satisfy the user budget constraint. ## Claims ### Claim 1 A home cost analysis server for executing a customized home search based upon a user-defined budget constraint, the home cost analysis server comprising at least one processor in communication with a memory, wherein the at least one processor is programmed to: define, based upon user input of at least one income data element and a plurality of expense data elements, a user-defined budget constraint; retrieve, from a first database, a list of a plurality of available homes in a user-selected geographic area and first metadata including public listing information associated with each available home on the list; determine, using at least one of image processing or word processing on the first metadata, an initial monthly home cost for each respective available home; isolate a first subset of the available homes on the list having the initial monthly home cost associated therewith that satisfies the user-defined budget constraint; retrieve, from a second database, historical insurance claim data for a plurality of other homes in the geographic area; identify one or more additional home costs for each available home of the first subset of available homes based upon shared features with the other homes and the historical insurance claim data; and display at the user computing device (i) the first subset of available homes along with a first graphical indicator visually identifying the first subset of available homes and each respective initial monthly cost, and (ii) a second subset of available homes from within the first subset of available homes along with a second graphical indicator visually identifying the second subset of available homes and a respective adjusted monthly cost for each available home in the second subset, the adjusted monthly cost incorporating the one or more additional home costs. ### Claim 2 (depends on 1) The home cost analysis server of claim 1, wherein the second graphical indicator includes a respective numeric value for each one or more additional home costs and an identification of the shared features between the corresponding available home and one or more of the other homes. ### Claim 3 (depends on 1) The home cost analysis server of claim 1, wherein the second graphical indicator includes a respective numeric value and an expected time value for each one or more additional home costs. ### Claim 4 (depends on 3) The home cost analysis server of claim 3, wherein the expected time value is a repeating or periodic time value. ### Claim 5 (depends on 3) The home cost analysis server of claim 3, wherein the expected time value is a singular time value. ### Claim 6 (depends on 5) The home cost analysis server of claim 5, wherein the singular time value is a predicted future date. ### Claim 7 (depends on 1) The home cost analysis server of claim 1, wherein the home cost analysis server is associated with an insurance provider that maintains the second database, and wherein to access the second database, the at least one processor is configured to access the historical insurance claim data via a networked connection with the second database. ### Claim 8 (depends on 1) The home cost analysis server of claim 1, wherein the second database is an external database, and wherein to access the second database, the at least one processor is configured to transmit an API call including data-access credentials to the second database. ### Claim 9 (depends on 1) The home cost analysis server of claim 1, wherein the at least one processor is further programmed to: receive a user selection of at least two available homes from the second subset of available homes; generate a comparison of the initial monthly costs and the adjusted monthly cost associated with each of the at least two available homes; and display the comparison at the user computing device. ### Claim 10 (depends on 1) The home cost analysis server of claim 1, wherein the at least one processor is further programmed to: receive an update to the user input from the user computing device; determine an updated user-defined budget constraint based upon the update to the user input; re-access the stored list of the plurality of available homes at the first database; isolate an updated first and second subset of available homes of the plurality of available homes; and display the updated first and second subsets of available homes at the user computing device along with the respective first and second graphical indicators. ### Claim 11 A computer-implemented method for executing a customized home search based upon a user-defined budget constraint, the method implemented using a home cost analysis server including at least one processor in communication with a memory, the method comprising: defining, based upon user input of at least one income data element and a plurality of expense data elements, a user-defined budget constraint; retrieving, from a first database, a list of a plurality of available homes in a user-selected geographic area and first metadata including public listing information associated with each available home on the list; determining, using at least one of image processing or word processing on the first metadata, an initial monthly home cost for each respective available home; isolating a first subset of the available homes on the list having the initial monthly home cost associated therewith that satisfies the user-defined budget constraint; retrieving, from a second database, historical insurance claim data for a plurality of other homes in the geographic area; identifying one or more additional home costs for each available home of the first subset of available homes based upon shared features with the other homes and the historical insurance claim data; and displaying at the user computing device (i) the first subset of available homes along with a first graphical indicator visually identifying the first subset of available homes and each respective initial monthly cost, and (ii) a second subset of available homes from within the first subset of available homes along with a second graphical indicator visually identifying the second subset of available homes and a respective adjusted monthly cost for each available home in the second subset, the adjusted monthly cost incorporating the one or more additional home costs. ### Claim 12 (depends on 11) The computer-implemented method of claim 11, wherein displaying the second graphical indicator comprises displaying the second graphical indicator including a respective numeric value for each one or more additional home costs and an identification of the shared features between the corresponding available home and one or more of the other homes. ### Claim 13 (depends on 11) The computer-implemented method of claim 11, wherein displaying the second graphical indicator comprises displaying the second graphical indicator including a respective numeric value and an expected time value for each one or more additional home costs. ### Claim 14 (depends on 11) The computer-implemented method of claim 11, wherein the home cost analysis server is associated with an insurance provider that maintains the second database, the method further comprising accessing the historical insurance claim data via a networked connection with the second database. ### Claim 15 (depends on 11) The computer-implemented method of claim 11, wherein the second database is an external database, the method further comprising accessing the second database by transmitting an API call including data-access credentials to the second database. ### Claim 16 (depends on 11) The computer-implemented method of claim 11, further comprising: receiving a user selection of at least two available homes from the second subset of available homes; generating a comparison of the initial monthly costs and the adjusted monthly cost associated with each of the at least two available homes; and displaying the comparison at the user computing device. ### Claim 17 (depends on 11) The computer-implemented method of claim 11, further comprising: receiving an update to the user input from the user computing device; determining an updated user-defined budget constraint based upon the update to the user input; re-accessing the stored list of the plurality of available homes at the first database; isolating an updated first and second subset of available homes of the plurality of available homes; and displaying the updated first and second subsets of available homes at the user computing device along with the respective first and second graphical indicators. ### Claim 18 At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by a home cost analysis server including at least one processor in communication with a memory, the computer-executable instructions cause the at least one processor to: define, based upon user input of at least one income data element and a plurality of expense data elements, a user-defined budget constraint; retrieve, from a first database, a list of a plurality of available homes in a user-selected geographic area and first metadata including public listing information associated with each available home on the list; determine, using at least one of image processing or word processing on the first metadata, an initial monthly home cost for each respective available home; isolate a first subset of the available homes on the list having the initial monthly home cost associated therewith that satisfies the user-defined budget constraint; retrieve, from a second database, historical insurance claim data for a plurality of other homes in the geographic area; identify one or more additional home costs for each available home of the first subset of available homes based upon shared features with the other homes and the historical insurance claim data; and display at the user computing device (i) the first subset of available homes along with a first graphical indicator visually identifying the first subset of available homes and each respective initial monthly cost, and (ii) a second subset of available homes from within the first subset of available homes along with a second graphical indicator visually identifying the second subset of available homes and a respective adjusted monthly cost for each available home in the second subset, the adjusted monthly cost incorporating the one or more additional home costs. ### Claim 19 (depends on 18) The at least one non-transitory computer-readable storage media of claim 18, wherein the second graphical indicator includes a respective numeric value for each one or more additional home costs and an identification of the shared features between the corresponding available home and one or more of the other homes. ### Claim 20 (depends on 18) The at least one non-transitory computer-readable storage media of claim 18, wherein the second graphical indicator includes a respective numeric value and an expected time value for each one or more additional home costs.