Granted Patent B2

US 12,293,417 · App. 18/418,517 · Granted May 6, 2025

Inventors: Amy Engelhorn (Normal, IL); Timothy Joel Davis (Chicago, IL); Joanna Salata (Tempe, AZ); Dijon Schroff (Bloomington, IL); Justin Devore (Atlanta, IL); Sarah Kirby (Normal, IL)

Assignee: State Farm Mutual Automobile Insurance Company

G06Q40/08G06Q30/0623G06T19/006G06Q50/16G06T2219/004

Abstract

Claims (56)

1. A mobile electronic device for displaying a combination of property-related information on an electronic display screen of the electronic mobile device, the electronic mobile device comprising at least one processor in communication with at least one memory, wherein the at least one processor is programmed to:

identify a property at a property location based upon a current location of the electronic mobile device;

capture a live video feed of the property;

compare the live video feed of the property with at least one alternative property picture of the property at the property location to identify at least one difference between the alternative property picture and the live video feed of the property;

generate an augmented reality overlay, wherein the augmented reality overlay is configured to visually highlight the at least one identified difference; and

cause display of the augmented reality overlay simultaneously with display of the live video feed on the electronic display screen of the electronic mobile device.

2. The electronic mobile device of claim 1 , wherein the property location is identified via a mobile application stored by the electronic mobile device, and the augmented reality overlay is generated by the mobile application of the electronic mobile device.

3. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to generate the augmented reality overlay according to preset rules that are based upon at least one of user preferences, user settings, and preidentified concerns about the property.

4. The electronic mobile device of claim 1 , wherein the alternative property picture is of a proposed future change to the property.

5. The electronic mobile device of claim 1 , wherein the alternative property picture is a historical picture of the property.

6. The electronic mobile device of claim 1 , wherein the electronic mobile device includes a camera to capture a picture of the property and the live video feed of the property, wherein the at least one processor is further programmed to:

retrieve, from a database comprising a plurality of alternative property pictures for a plurality of properties, the at least one alternative property picture of the plurality of alternative property pictures of the property at the property location; and

perform an image analysis on the at least one alternative property picture and the live video feed of the property to identify the at least one difference between the alternative property picture and the picture of the property.

7. The electronic mobile device of claim 6 , wherein the at least one processor is further programmed to receive a picture of the property from the camera of the electronic mobile device.

8. The electronic mobile device of claim 6 , wherein the at least one processor is further programmed to extract the picture of the property from the live video feed.

9. The electronic mobile device of claim 6 , wherein the at least one processor is further programmed to compare the picture of the property with the at least one alternative property picture of the property to determine disparities with public record data or internal data of the property.

10. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to identify the property location based on Global Positioning System (GPS) coordinates captured by the electronic mobile device at the current location.

11. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to transmit the property location to one or more remote servers; and

receive information about the property from the one or more remote servers.

12. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

receive an insurance quote for the property based upon information about the property; and

adjust the augmented reality overlay to display the insurance quote on the electronic display screen of the electronic mobile device.

13. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

receive a mortgage rate quote for the property based upon information about the property; and

adjust the augmented reality overlay to display the mortgage rate quote on the electronic display screen of the electronic mobile device.

14. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

retrieve historical severe weather data based upon the property location; and

adjust the augmented reality overlay to display one or more statistics of the retrieved historical severe weather data on the electronic display screen of the electronic mobile device.

15. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

retrieve risk information based upon the property location, wherein the risk information comprises information about at least one of flooding, wildfire, and storm surge, with respect to the property; and

adjust the augmented reality overlay to display the risk information for the property on the electronic display screen of the electronic mobile device.

16. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

retrieve at least one of criminal record data for the property, property tax data for the property, market value cost data for the property, building permit data for the property, or county assessor data based upon the property location; and

adjust the augmented reality overlay to display at least one of the criminal record data, the property tax data, the market value cost data, the building permit data, or the county assessor data on the electronic display screen of the electronic mobile device.

17. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

retrieve school district information based upon the property location; and

adjust the augmented reality overlay to display the school district information on the electronic display screen of the electronic mobile device.

18. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

retrieve historical utility rate data based upon the property location; and

adjust the augmented reality overlay to display the historical utility rate data on the electronic display screen of the electronic mobile device.

19. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to:

retrieve previous insurance claims data based upon the property location; and

adjust the augmented reality overlay to display the previous insurance claims data on the electronic display screen of the electronic mobile device.

20. The electronic mobile device of claim 1 , wherein the at least one processor is further programmed to visually highlight changes that have been made to the property over time.

21. A computer-based property analyzer method for displaying a combination of property-related information on an electronic display screen of an electronic mobile device, the method comprising:

identifying a property at a property location based upon a current location of the electronic mobile device;

capturing a live video feed of the property;

comparing the live video feed of the property with at least one alternative property picture of the property at the property location to identify at least one difference between the alternative property picture and the live video feed of the property;

generating an augmented reality overlay, wherein the augmented reality overlay is configured to visually highlight the at least one identified difference; and

causing display of the augmented reality overlay simultaneously with display of the live video feed on the electronic display screen of the electronic mobile device.

22. An electronic computing device for displaying a combination of property-related information on an electronic display screen of an electronic mobile device, the electronic computing device comprising at least one processor in communication with at least one memory, wherein the at least one processor is programmed to:

identify a property at a property location based upon a current location of the electronic mobile device;

transmit a first plurality of computer executable instructions to the electronic mobile device, wherein the first plurality of computer executable instructions are configured to cause the electronic mobile device to capture a live video feed of the property;

compare the live video feed of the property with at least one alternative property picture of the property at the property location to identify at least one difference between the alternative property picture and the live video feed of the property;

generate an augmented reality overlay, wherein the augmented reality overlay is configured to visually highlight the at least one identified difference; and

transmit a second plurality of computer executable instructions to the electronic mobile device, wherein the second plurality of computer executable instructions are configured to cause the electronic mobile device to cause display of the augmented reality overlay simultaneously with display of the live video feed on the electronic display screen of the electronic mobile device.

Assignments (3)

Continuity (6)

References Cited (116)