IP Library Granted Patent US 10,896,550
Granted Patent B2
US 10,896,550 · App. 16/822,206 · Granted Jan 19, 2021

System and method for remotely indicating vehicular damage

Inventors: Denny Devasia Kuruvilla (Toronto, CA); Esli Gjini (Etobicoke, CA); Sarah Reeve (Toronto, CA); Harjot Singh Panag (Brampton, CA); Justin Seto (Markham, CA); Naomi Sarah Feth (Toronto, CA); Anurag Thakur (Toronto, CA)
Assignee: The Toronto-Dominion Bank
G06T19/20G06Q40/08G06T2219/2016
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Quick Facts
Patent No.
US 10,896,550
App. No.
16/822,206
Granted
Jan 19, 2021
Kind
B2
Abstract

Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to provide, via a communications module to a remote computing device, a first signal comprising a live chat interface; send, via the communications module to the remote computing device, a second signal representing display data that includes a damage location indicator, the display data causing the remote computing device to overlay the damage location indicator on a vehicle model displayed within the live chat interface, the damage location indicator selectable within the live chat interface to input an indication of a damage location; and receive, via the communications module and after selection of the damage location indicator, a third signal comprising an indicator of the location of damage.

Claims (67)

1. A server comprising:

a communications module;

a processor coupled to the communications module; and

a memory coupled to the processor, the memory storing processor-executable instructions which, when executed by the processor, configure the processor to:

provide, via the communications module to a remote computing device, a first signal comprising a live chat interface;

send, via the communications module to the remote computing device, a second signal representing display data that includes a three-dimensional vehicle model and damage location indicator, the display data causing the remote computing device to overlay the damage location indicator on the three-dimensional vehicle model within the live chat interface, the three-dimensional vehicle model rotatable within the live chat interface via a touch gesture and the damage location indicator selectable within the live chat interface via a different touch gesture to input an indication of a damage location; and

receive, via the communications module and after selection of the damage location indicator, a third signal comprising an indicator of the location of damage.

2. The server of claim 1 , wherein the vehicle model includes the three-dimensional vehicle model and a two-dimensional vehicle model, and the display data includes a selectable option to toggle between displaying the three-dimensional vehicle model and the two-dimensional vehicle model.

3. The server of claim 1 , wherein the processor-executable instructions, when executed by the processor, configure the processor to:

receive, via the communications module and from the remote computing device, a signal representing identification data;

identify, based on the identification data, one or more profiles stored in a data store; and

obtain the three-dimensional vehicle model based on the one or more identified profiles.

4. The server of claim 3 , wherein obtaining the three-dimensional vehicle model comprises:

obtaining, from the one or more profiles, insured vehicle identifying data identifying a vehicle type; and

retrieving the three-dimensional vehicle model from a vehicle model database based on the vehicle type.

5. The server of claim 4 , wherein the vehicle type specifies one or more of:

an indication of whether the vehicle is a car;

an indication of whether the vehicle is a truck;

an indication of whether the vehicle is a sports utility vehicle;

an indication of whether the vehicle is a motorcycle;

a make of the vehicle;

a model of the vehicle;

a year of the vehicle;

a trim line indication for the vehicle; or

an indication of an aftermarket modification.

6. The server of claim 1 , wherein overlaying the damage location indicator on the three-dimensional vehicle model displayed within the live chat interface comprises displaying the three-dimensional vehicle model and the damage location indicator as a message below a last message displayed in the chat interface.

7. The server of claim 1 , wherein the indicator of the location of damage includes:

image data obtained at the remote computing device.

8. The server of claim 1 , wherein the damage location indicator comprises a plurality of selectable locations, each selectable location associated with location information defining a location, and wherein the indicator of the location of the damage is based on the location information of a selected one of the plurality of selectable locations.

9. The server of claim 1 , wherein the instructions further configure the processor to:

analyze the indicator of the location of damage to obtain a damage quantum indicator, the damage quantum indicator numerically quantifying an amount of damage to the vehicle; and

send, via the communications module and to the remote computing device, a numerical value based on the damage quantum indicator.

10. The server of claim 1 , wherein the touch gesture includes moving a finger in a direction of rotation on a display screen of the remote computing device and the different touch gesture includes a force touch or double tap gesture on the display screen of the remote computing device.

11. A method comprising:

providing, via a communications module to a remote computing device, a first signal comprising a live chat interface;

sending, via the communications module to the remote computing device, a second signal representing display data that includes a three-dimensional vehicle model and damage location indicator, the display data causing the remote computing device to overlay the damage location indicator on the three-dimensional vehicle model within the live chat interface, the three-dimensional vehicle model rotatable within the live chat interface via a touch gesture and the damage location indicator selectable within the live chat interface via a different touch gesture to input an indication of a damage location; and

receiving, via the communications module and after selection of the damage location indicator, a third signal comprising an indicator of the location of damage.

12. The method of claim 11 , wherein the vehicle model includes the three-dimensional vehicle model and a two-dimensional vehicle model, and the display data includes a selectable option to toggle between displaying the three-dimensional vehicle and the two-dimensional vehicle model.

13. The method of claim 11 , further comprising:

receiving, via the communications module and from the remote computing device, a signal representing identification data;

identifying, based on the identification data, one or more profiles stored in a data store; and

obtaining the three-dimensional vehicle model based on the one or more identified profiles.

14. The method of claim 13 , wherein obtaining the three-dimensional vehicle model comprises:

obtaining, from the one or more profiles, insured vehicle identifying data identifying a vehicle type; and

retrieving the three-dimensional vehicle model from a vehicle model database based on the vehicle type.

15. The method of claim 14 , wherein the vehicle type specifies one or more of:

an indication of whether the vehicle is a car;

an indication of whether the vehicle is a truck;

an indication of whether the vehicle is a sports utility vehicle;

an indication of whether the vehicle is a motorcycle;

a make of the vehicle;

a model of the vehicle;

a year of the vehicle;

a trim line indication for the vehicle; or

an indication of an aftermarket modification.

16. The method of claim 11 , wherein overlaying the damage location indicator on the three-dimensional vehicle model displayed within the live chat interface comprises displaying the three-dimensional vehicle model and the damage location indicator as a message below a last message displayed in the chat interface.

17. The method of claim 11 , wherein the indicator of the location of damage includes:

image data obtained at the remote computing device.

18. The method of claim 11 , wherein the damage location indicator comprises a plurality of selectable locations, each selectable location associated with location information defining a location, and wherein the indicator of the location of the damage is based on the location information of a selected one of the plurality of selectable locations.

19. The method of claim 11 , further comprising:

analyze the indicator of the location of damage to obtain a damage quantum indicator, the damage quantum indicator numerically quantifying an amount of damage to the vehicle; and

send, via the communications module and to the remote computing device, a numerical value based on the damage quantum indicator.

20. The method of claim 11 , wherein the touch gesture includes moving a finger in a direction of rotation on a display screen of the remote computing device and the different touch gesture includes a force touch or double tap gesture on the display screen of the remote computing device.

21. A non-transitory computer readable storage medium comprising computer-executable instructions which, when executed, configure a computing device to:

provide, via a communications module to a remote computing device, a first signal comprising a live chat interface;

send, via the communications module to the remote computing device, a second signal representing display data that includes a three-dimensional vehicle model and damage location indicator, the display data causing the remote computing device to overlay the damage location indicator on the three-dimensional vehicle model within the live chat interface, the three-dimensional vehicle model rotatable within the live chat interface via a touch gesture and the damage location indicator selectable within the live chat interface via a different touch gesture to input an indication of a damage location; and

receive, via the communications module and after selection of the damage location indicator, a third signal comprising an indicator of the location of damage.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 18, 2020
From: KURUVILLA, DENNY DEVASIA; GJINI, ESLI; REEVE, SARAH; PANAG, HARJOT SINGH; SETO, JUSTIN; FETH, NAOMI SARAH; THAKUR, ANURAG
To: THE TORONTO-DOMINION BANK
Reel/Frame 052186/0159 →
Continuity (2)
Continuation 16153271 · Oct 5, 2018
Related Publication 20200242838A1 · Jul 30, 2020
Cited By (1)
US 12,417,086