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公开(公告)号：US10650469B1
公开(公告)日：2020-05-12
申请号：US16509631
申请日：2019-07-12
Inventor： Nathan L Tofte , Timothy W Ryan , Nathan W Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding an insured or potentially insured asset, such as with the insurance customer's permission, and collect data related to the insured or potentially insured asset, such as size, height, roof shape, materials (siding, roofing), etc. which may form a basis of the underwriting detail used to evaluate a property. The drone data may reveal site characteristics, such as slope or grade of a parcel; the proximity to other structures (and their uses); trees; rivers; coastlines; and earthquake faults. The drone data may be used by an insurance provider remote server to assess the risk associated with an insured asset, generate or modify an insurance premium or discount, etc. The drone data may also be used to mitigate risk and prevent loss by alerting policyholders of the risk such that corrective action may be taken.
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公开(公告)号：US10685404B1
公开(公告)日：2020-06-16
申请号：US16294340
申请日：2019-03-06
Inventor： Nathan L Tofte , Timothy W Ryan , Nathan W Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and/or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.
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Patent Agency Ranking
公开(公告)号：US10275834B1
公开(公告)日：2019-04-30
申请号：US16045851
申请日：2018-07-26
Inventor： Nathan L Tofte , Timothy W Ryan , Nathan W Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08
Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and/or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.
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公开(公告)号：US12020330B2
公开(公告)日：2024-06-25
申请号：US17723908
申请日：2022-04-19
Inventor： Nathan L. Tofte , Timothy W Ryan , Nathan W. Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N. Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08 , B64C39/02 , B64D47/08 , G01C11/02 , G06F18/22 , G06Q40/00 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/73 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , G06V20/40 , H04N5/44 , H04N7/18 , B64U10/00 , B64U101/00 , B64U101/30
CPC classification number: G06Q40/08 , B64C39/024 , B64D47/08 , G01C11/02 , G06F18/22 , G06Q40/00 , G06T7/00 , G06T7/20 , G06T7/246 , G06T7/75 , G06T11/60 , G06T17/05 , G06V10/42 , G06V20/10 , G06V20/41 , H04N5/44 , H04N7/185 , B64U10/00 , B64U2101/00 , B64U2101/30 , G06T2207/10032 , G06T2207/30232 , G06T2207/30236 , G06T2207/30252 , G06T2215/16 , G06V20/44
Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the state of the traffic light at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation.
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公开(公告)号：US11002540B1
公开(公告)日：2021-05-11
申请号：US16170197
申请日：2018-10-25
Inventor： Nathan L Tofte , Timothy W Ryan , Nathan W Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation. As a result, innocent drivers or vehicles may not be unfairly penalized for vehicle collisions not their fault.
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公开(公告)号：US11195234B1
公开(公告)日：2021-12-07
申请号：US16509649
申请日：2019-07-12
Inventor： Nathan L Tofte , Timothy W Ryan , Nathan W Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N Harvey , Roxane Lyons , Rosemarie Geier Grant
IPC: G06Q40/08
Abstract: The present embodiments relate to detecting fraudulent insurance claims. According to certain aspects, a central monitoring server may receive and examine data detected by at least one unmanned vehicle and generate an estimated insurance claim for a loss event. The central monitoring server may then receive an actual insurance claim relating to the loss event, and may compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim. If buildup is detected, the central monitoring server may then process the actual insurance claim accordingly based upon the potential buildup. As a result, claim monies may be paid to insureds that more accurately reflect actual losses resulting from the loss event, and insurance cost savings may be ultimately passed onto typical insurance customers.
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7.发明授权公开(公告)号：US10963968B1
公开(公告)日：2021-03-30
申请号：US16178793
申请日：2018-11-02
Inventor： Nathan L Tofte , Timothy W Ryan , Nathan W Baumann , Michael Shawn Jacob , Joshua David Lillie , Brian N Harvey , Roxane Lyons , Rosemarie Geier Grant
Abstract: Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.
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