System and Method for Intelligent Aerial Image Data Processing
AssigneeState Farm Mutual Automobile Insurance Company
InventorAmy Engelhorn
Life of this patent
Estimating the term…
Abstract
A computer implemented method for determining an insurance premium and/or eligibility is presented. The method receives a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location and an aerial image, wherein the aerial image corresponds to the geographic location. The method further identifies a first data category from the image and a data value corresponding to the data category; determine eligibility, and then if applicable calculates an insurance quote, based on at least the data value.
Claims22
A computer implemented method for determining an insurance premium, the method comprising:
- receiving, via a computer network, a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location;
- receiving, via the computer network, an aerial image, wherein the aerial image depicts a structure located at the geographic location and a threshold distance surrounding the structure;
- identifying, at one or more processors, a first data category of an object depicted in the image, wherein the object is depicted within the threshold distance surrounding the structure;
- determining, at the one or more processors, a data value describing the object in further detail, wherein the data value is indicative of at least one of (i) a particular type, among a plurality of types associated with the first data category, of the object, (ii) a particular material, among a plurality of materials associated with the first data category, of the object, (iii) a quality or condition of the object, or (iv) a size of the object;
- determining, at the one or more processors, that the data value matches a business rule;
- and
- processing an insurance option, at the one or more processors, based on the data value matching the business rule.
3-4. (canceled)
A computer device for determining an insurance premium, the computer device comprising;
- one or more processors;
- and
- one or more memories coupled to the one or more processors;
- wherein the one or more memories include computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to:
- receive, via a computer network, a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location;
- receive, via the computer network, an aerial image, wherein the aerial image depicts a structure located at the geographic location and a threshold distance surrounding the structure;
- identify a first data category of an object depicted in the image, wherein the object is depicted within the threshold distance surrounding the structure;
- determine a data value describing the object in further detail, wherein the data value is indicative of at least one of (i) a particular type, among a plurality of types associated with the first data category, of the object, (ii) a particular material, among a plurality of materials associated with the first data category, of the object, (iii) a quality or condition of the object, or (iv) a size of the object;
- determine that the data value matches a business rule;
- and
- process an insurance option based on the data value matching the business rule.
10-11. (canceled)
A non-transitory computer readable storage medium comprising non-transitory computer readable instructions stored thereon determining an insurance premium, the instructions when executed on one or more processors cause the one or more processors to:
- receive, via a computer network, a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location;
- receive, via the computer network, an aerial image, wherein the aerial image depicts a structure located at the geographic location and a threshold distance surrounding the structure;
- identify a first data category of an object depicted in the image, wherein the object is depicted within the threshold distance surrounding the structure;
- determine a data value describing the object in further detail, wherein the data value is indicative of at least one of (i) a particular type, among a plurality of types associated with the first data category, of the object, (ii) a particular material, among a plurality of materials associated with the first data category, of the object, (iii) a quality or condition of the object, or (iv) a size of the object;
- determine that the data value matches a business rule;
- and
- process an insurance option based on the data value matching the business rule.
17-19. (canceled)
Dependencies are inferred from the claim text.