Granted Patent B2

US 12,346,972 · App. 18/307,209 · Granted Jul 1, 2025

Inventors: Rebecca A. Little (Mesa, AZ); Bryan R. Nussbaum (Bloomington, IL); Deanna L. Stockweather (Normal, IL); Nathan C. Summers (Mesa, AZ); An Ho (Phoenix, AZ); Vicki King (Bloomington, IL)

Assignee: State Farm Mutual Automobile Insurance Company

G06Q40/08G06T17/05G06Q50/163

Abstract

Claims (63)

1. A computer-implemented method, comprising:

generating, by a processor, based at least in part on one or more images of a physical object and within a virtual environment, a first virtual model of the physical object, wherein the first virtual model is comprised of a first plurality of features;

displaying, by the processor, the first virtual model on a display of a user electronic device;

receiving, by the processor, and in the virtual environment, an annotation at a virtual coordinate of a feature of the first plurality of features;

translating, by the processor, the received virtual coordinate into Global Positioning System (GPS) coordinates corresponding to a real-world location of the feature;

generating, by the processor, a notification comprising the GPS coordinates and transmitting, by the processor, the notification to a remote imaging vehicle,

capturing, by the processor via the remote imaging vehicle, at least one image of the feature at the real-world location and receiving, by the processor, the at least one captured image from the remote imaging vehicle;

generating, by the processor, a second virtual model of the physical object by updating the first virtual model using the at least one captured image, wherein the second virtual model comprises a second plurality of features; and

displaying, by the processor, the second virtual model on the display.

2. The computer-implemented method of claim 1 , wherein updating the first virtual model comprises replacing, an image of the one or more images with the at least one captured image.

3. The computer-implemented method of claim 2 , wherein replacing the image of the one or more images with the captured image is based at least in part on determining, by the processor, that the at least one captured image meets or exceeds an image resolution threshold.

4. The computer-implemented method of claim 1 , wherein the notification comprises a threshold image resolution.

5. The computer-implemented method of claim 1 , further comprising:

receiving, by the processor, and in the virtual environment, an input associated with a feature of the second plurality of features; and

generating, by the processor, based on the received input associated with the condition of the feature, an assessment of a condition of the feature of the second plurality of features.

6. The computer-implemented method of claim 1 , further comprising: associating, by the processor, a data object associated with one or more data records in a database with a representation of the feature in the second virtual model.

7. The computer-implemented method of claim 6 , further comprising: populating, by the processor, a data records overlay of the second virtual model with records data included in the one or more data records.

8. A system, comprising:

a processor; and

a memory, storing computer executable instructions, that when executed by the

processor, causes the processor to perform operations comprising:

generating, based at least in part on one or more images of a physical object and within a virtual environment, a first virtual model of the physical object, wherein the first virtual model is comprised of a first plurality of features;

displaying the first virtual model on a display of a user electronic device;

receiving, and in the virtual environment, an annotation, at a virtual coordinate of a feature of the first plurality of features;

translating the received virtual coordinate into Global Positioning System (GPS) coordinates corresponding to a real-world location of the feature;

generating a notification comprising the GPS coordinates and transmitting the notification to a remote imaging vehicle;

capturing via the remote imaging vehicle, at least one image of the feature at the real-world location and receiving the at least one captured image from the remote imaging vehicle;

generating a second virtual model of the physical object by updating the first virtual model with the at least one captured image, wherein the second virtual model comprises a second plurality of features; and

displaying the second virtual model on the display.

9. The system of claim 8 , wherein the operations further comprise:

receiving, and in the virtual environment, an input associated with a feature of the second plurality of features;

generating, based on the received input, an assessment of a condition of the feature of the second plurality of features; and

calculating a risk score based at least in part on the generated assessment.

10. The system of claim 9 , wherein the operations further comprise updating one or more terms of a user policy associated with the physical object based at least in part on the risk score.

11. The system of claim 9 , wherein the operations further comprise determining whether to approve insuring the physical object based at least in part on the risk score.

12. The system of claim 8 , wherein the second virtual model further comprises a data records overlay, and the operations further comprise:

determining records information associated with the feature of the second plurality of features; and

populating the data records overlay of the second virtual model with the records information.

13. The system of claim 12 , wherein the records information comprises one or more of:

an object age;

an address;

a market value;

a business name;

an owner name;

an agent affiliation;

zoning information; or

historical claims data.

14. A non-transitory computer-readable storage medium storing instructions, that when executed by a processor causes the processor to perform operations comprising:

generating, based at least in part on one or more images of a physical object and within a virtual environment, a first virtual model of the physical object, wherein the first virtual model is comprised of a first plurality of features;

displaying the first virtual model on a display of a user electronic device;

receiving, and in the virtual environment, an annotation, at a virtual coordinate of a feature of the first plurality of features;

receiving an annotation at a virtual coordinate in the virtual environment of a feature of the first plurality of features;

translating the received virtual coordinate into Global Positioning System (GPS) coordinates corresponding to a real-world location of the feature;

generating a notification comprising the GPS coordinates and transmitting the notification to a remote imaging vehicle;

capturing via the remote imaging vehicle, at least one image of the feature at the real-world location and receiving the at least one captured image from the remote imaging vehicle;

generating a second virtual model of the physical object by updating the first virtual model with the at least one captured image, wherein the second virtual model comprises a second plurality of features; and

displaying the second virtual model on the display.

15. The non-transitory computer-readable storage medium of claim 14 , the operations further comprising: generating a visual overlay on the second virtual model and creating a visual emphasis of the feature of the second plurality of features utilizing the generated visual overlay.

16. The non-transitory computer-readable storage medium of claim 15 , wherein the visual emphasis includes a condition of the feature of the second plurality of features.

17. The non-transitory computer-readable storage medium of claim 14 , wherein the annotation comprises an indication to assess a condition of the feature of the first plurality of features.

18. The non-transitory computer-readable storage medium of claim 17 , wherein

the operations further comprise; determining, based at least in part on the indication, that an image of the one or more images has an image resolution less than an image resolution threshold.

19. The non-transitory computer-readable storage medium of claim 14 , wherein updating the first virtual model comprises replacing, an image of the one or more images with the at least one captured image.

Assignments (1)

Continuity (2)

References Cited (152)