Systems and methods for generating an inventory of personal possessions of a user for insurance purposes

1 . A computing system for generating a list of possessions associated with a user, the computing system including at least one processor in communication with at least one memory device, the at least one processor configured to:

send, over a communication interface, a control signal to a smart home device associated with the user to automatically acquire image data including at least one possession of the user, using one or more sensors of the smart home device, wherein the smart home device is separate from the at least one processor and is configured to control one or more smart home devices to automatically acquire one or more images;

analyze the image data to identify the at least one possession by applying a trained convolutional neural network to generate, for each detected possession of the at least one possession, a class label, a bounding region, and a confidence score, and to identify the at least one possession based on the confidence score exceeding a threshold;

when the confidence score for a detected possession does not exceed the threshold, determine that additional image data is needed and send a further control signal to the smart home device to automatically acquire the additional image data using the one or more sensors;

receive the additional image data and reanalyze the additional image data using the trained convolutional neural network to identify a possession;

generate and transmit an additional information prompt to a user device for additional information, the additional information comprising one or more text documents including one or more of an authentication document, an ownership document, or a receipt;

receive, from the user device, the additional information;

estimate, using the additional information and the identified possession, a value associated with the identified possession; and

store the identified possession and the estimated value in a policyholder profile in a database.

2 . The computing system of claim 1 , wherein the at least one processor is further configured to generate a first reward that includes a discount, a coupon, one or more points, or one or more points to be used to modify a digital character.

3 . The computing system of claim 1 , wherein the additional information prompt includes a software application to acquire at least a part of the additional information.

4 . The computing system of claim 1 , wherein the at least one processor is further configured to generate a results message to the user device, the results message generated based at least in part upon the identified possession, the estimated value associated with the identified possession, and the additional information.

5 . The computing system of claim 4 , wherein the results message includes a first reward and a second reward, the second reward having a value proportional to the estimated value associated with the identified possession.

6 . The computing system of claim 4 , wherein the results message is configured to cause a digital character to be displayed on the user device in association with the identified possession.

7 . The computing system of claim 1 , wherein the at least one processor is further configured to generate a final inventory to an insurance provider device based at least in part upon the estimated value associated with the identified possession.

8 . A computer-implemented method for generating a list of possessions associated with a user, the method implemented on a computer device including at least one processor in communication with at least one memory device, the computer-implemented method comprising:

sending, over a communication interface, a control signal to a smart home device associated with the user to automatically acquire image data including at least one possession of the user, using one or more sensors of the smart home device, wherein the smart home device is separate from the at least one processor and is configured to control one or more smart home devices to automatically acquire one or more images;

analyzing the image data to identify the at least one possession by applying a trained convolutional neural network to generate, for each detected possession of the at least one possession, a class label, a bounding region, and a confidence score, and to identify the at least one possession based on the confidence score exceeding a threshold;

when the confidence score for a detected possession does not exceed the threshold, determining that additional image data is needed and sending a further control signal to the smart home device to automatically acquire the additional image data using the one or more sensors;

receiving the additional image data and reanalyzing the additional image data using the trained convolutional neural network to identify a possession;

generating and transmitting an additional information prompt to a user device for additional information, the additional information comprising one or more text documents including one or more of an authentication document, an ownership document, or a receipt;

receiving, from the user device, the additional information;

estimating, using the additional information and the identified possession, a value associated with the identified possession; and

storing the identified possession and the estimated value in a policyholder profile in a database.

9 . The computer-implemented method of claim 8 , further comprising generating a first reward that includes a discount, a coupon, one or more points, or one or more points to be used to modify a digital character.

10 . The computer-implemented method of claim 8 , wherein the additional information prompt includes a software application to acquire at least a part of the additional information.

11 . The computer-implemented method of claim 8 , further comprising generating a results message to the user device, the results message generated based at least in part upon the identified possession, the estimated value associated with the identified possession, and the additional information.

12 . The computer-implemented method of claim 11 , wherein the results message includes a first reward and a second reward, the second reward having a value proportional to the estimated value associated with the identified possession.

13 . The computer-implemented method of claim 11 , wherein the results message is configured to cause a digital character to be displayed on the user device in association with the identified possession.

14 . The computer-implemented method of claim 8 , further comprising generating a final inventory to an insurance provider device based at least in part upon the estimated value associated with the identified possession.

15 . One or more non-transitory computer-readable media having computer-executable instructions thereon, wherein when executed by at least one processor of a computing device, cause the at least one processor to:

send, over a communication interface, a control signal to a smart home device associated with a user to automatically acquire image data including at least one possession of the user, using one or more sensors of the smart home device, wherein the smart home device is separate from the at least one processor and is configured to control one or more smart home devices to automatically acquire one or more images;

analyze the image data to identify the at least one possession by applying a trained convolutional neural network to generate, for each detected possession of the at least one possession, a class label, a bounding region, and a confidence score, and to identify the at least one possession based on the confidence score exceeding a threshold;

when the confidence score for a detected possession does not exceed the threshold, determine that additional image data is needed and send a further control signal to the smart home device to automatically acquire the additional image data using the one or more sensors;

receive the additional image data and reanalyze the additional image data using the trained convolutional neural network to identify a possession;

generate and transmit an additional information prompt to a user device for additional information, the additional information comprising one or more text documents including one or more of an authentication document, an ownership document, or a receipt;

receive, from the user device, the additional information;

estimate, using the additional information and the identified possession, a value associated with the identified possession; and

store the identified possession and the estimated value in a policyholder profile in a database.

16 . The one or more non-transitory computer-readable media of claim 15 , wherein the at least one processor is further configured to generate a first reward that includes a discount, a coupon, one or more points, or one or more points to be used to modify a digital character.

17 . The one or more non-transitory computer-readable media of claim 15 , wherein the additional information prompt includes a software application to acquire at least a part of the additional information.

18 . The one or more non-transitory computer-readable media of claim 15 , further causing the at least one processor to generate a results message to the user device, the results message generated based at least in part upon the identified possession, the estimated value associated with the identified possession, and the additional information.

19 . The one or more non-transitory computer-readable media of claim 18 , wherein the results message includes first reward and a second reward, the second reward having a value proportional to the estimated value associated with the identified possession.

20 . The one or more non-transitory computer-readable media of claim 18 , wherein the results message is configured to cause a digital character to be displayed on the user device in association with the identified possession.

21 . A system for generating a list of possessions associated with a user, comprising:

a means for storing data thereon; and

a means for performing operations comprising:

sending, over a communication interface, a control signal to a smart home device associated with the user to automatically acquire image data including at least one possession of the user, using one or more sensors of the smart home device, wherein the smart home device is separate from the means for performing operations and is configured to control one or more smart home devices to automatically acquire one or more images;

analyzing the image data to identify the at least one possession by applying a trained convolutional neural network to generate, for each detected possession of the at least one possession, a class label, a bounding region, and a confidence score, and to identify the at least one possession based on the confidence score exceeding a threshold;

when the confidence score for a detected possession does not exceed the threshold, determining that additional image data is needed and sending a further control signal to the smart home device to automatically acquire the additional image data using the one or more sensors;

receiving the additional image data and reanalyzing the additional image data using the trained convolutional neural network to identify a possession;

generating and transmitting an additional information prompt to a user device for additional information, the additional information comprising one or more text documents including one or more of an authentication document, an ownership document, or a receipt;

receiving, from the user device, the additional information;

estimating, using the additional information and the identified possession, a value associated with the identified possession; and

storing the identified possession and the estimated value in a policyholder profile in a database.