IP Library Granted Patent US 12,646,126
Granted Patent B2
US 12,646,126 · App. 18/188,193 · Granted Jun 2, 2026

Method and system for curating a virtual model for feature identification

Inventors: Rebecca A. Little (Mesa, AZ); An Ho (Phoenix, AZ); Bryan R. Nussbaum (Bloomington, IL); Nathan C. Summers (Mesa, AZ); Deanna L. Stockweather (Normal, IL); Vicki King (Bloomington, IL)
Assignee: State Farm Mutual Automobile Insurance Company
G06Q50/163G06T17/05G06T19/20G06V10/751G06V30/19013G06T2200/24G06T2219/004G06T2219/2016
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Quick Facts
Patent No.
US 12,646,126
App. No.
18/188,193
Filed
Mar 22, 2023
Granted
Jun 2, 2026
Kind
B2
Examiner
SUN, HAI TAO
Art Unit
2616
USPC
345/419
Abstract

Computer-implemented methods and systems for curating virtual models and populating overlays within a virtual environment are described herein. A server may receive a data request from a user electronic device. The data request may comprise a property of interest located at a particular portion of an overall region. The server may then dynamically acquire a virtual model for rendering the property within a virtual environment at the user electronic device based on the data request. The server may then curate the virtual model in accordance with rules that emphasize features associated with the property that are relevant to assessing risks associated with the property when assessing the property. The server may then identify the curated property modeled by the virtual model, obtain annotation records associated with the features of the property, and populate an annotations overlay rendered in the virtual environment with information included in the annotation records.

Claims (103)

1 . A computer-implemented method, comprising:

receiving, by a processor, a data request from an electronic device, wherein the data request identifies a property comprising a structure fixed at a geographic location;

generating, by the processor, using a plurality of images, and based on the data request, a virtual model within a virtual environment, the virtual model depicting:

the property, and

fixed objects proximate the property;

identifying, by the processor, a first solid object and a second solid object, of the fixed objects proximate the property;

obtaining, by the processor and from a database, an annotation record associated with the property, the annotation record including information indicating that:

the first solid object is a cause of an increase in a risk of damage to the property, and

the second solid object, different from the first solid object, is a cause of a decrease in the risk of damage to the property;

modifying, by the processor and in accordance with a set of curation rules, the virtual model to generate a curated virtual model, wherein the curated virtual model includes:

the first solid object,

a first visual indicia indicative of the increase in risk and associated with the first solid object,

the second solid object, and

a second visual indicia, different from the first visual indicia, indicative of the decrease in risk and associated with the second solid object; and

providing, by the processor, the curated virtual model to the electronic device, the curated virtual model being configured such that, when the curated virtual model is rendered at the electronic device:

the first solid object is depicted in the virtual environment using the first visual indicia, and

the second solid object is depicted in the virtual environment using the second visual indicia.

2 . The computer-implemented method of claim 1 , wherein:

the first visual indicia includes at least one of highlighting, coloring, or shading the first solid object by a first color, and

the second visual indicia includes at least one of highlighting, coloring, or shading the second solid object by a second color, different from the first color.

3 . The computer-implemented method of claim 1 , wherein the set of curation rules causes the processor to:

receive location information for the property; and

identify a portion of the plurality of images that includes location metadata matching the location information,

wherein the virtual model is generated based on the portion of the plurality of images.

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

obtaining, by the processor and from the database, one or more data records associated with the property; and

populating, by the processor, a data records overlay rendered in the virtual environment with records information included in the one or more data records,

wherein the records information comprises at least one of an age, an address, a market value, a name of business, a name of owner, agent affiliation, zoning information, or historical claims data associated with the property.

5 . The computer-implemented method of claim 4 , further comprising:

transmitting, to the electronic device, the virtual environment, wherein the electronic device comprises at least one of a first virtual reality device or a first mixed-reality device.

6 . The computer-implemented method of claim 1 , wherein:

the annotation record includes an indication of the first visual indicia and the second visual indicia comprising one or more of highlighting, coloring, or shading.

7 . The computer-implemented method of claim 1 , wherein the first solid object and the second solid object are located outside of or along an exterior of the property.

8 . The computer-implemented method of claim 1 , wherein the curated virtual model further comprises:

a first portion of an annotation overlay in association with the first solid object indicative of the first visual indicia; and

a second portion of the annotation overlay in association with the second solid object indicative of the second visual indicia.

9 . The computer-implemented method of claim 1 , wherein:

the first visual indicia or the second visual indicia includes an animation of the first solid object or the second solid object, and the animation is displayed in the virtual environment rendered at the electronic device.

10 . A system comprising:

a processor;

one or more transceivers operatively connected to the processor and configured to send and receive communications over one or more communication networks; and

one or more non-transitory memories coupled to the processor and storing computer-executable instructions, that, when executed by the processor, cause the system to:

receive a data request from an electronic device, wherein the data request identifies a property comprising a structure fixed at a geographic location;

generate, using a plurality of images, and based on the data request, a virtual model within a virtual environment, the virtual model depicting:

the property, and

fixed objects proximate the property;

identify a first solid object and a second solid object of the fixed objects proximate the property;

obtain, from a database, an annotation record associated with the property, the annotation record including information indicating that:

the first solid object is a cause of an increase in a risk of damage to the property, and

the second solid object, different from the first solid object, is a cause of a decrease in the risk of damage to the property;

modify, in accordance with a set of curation rules, the virtual model to generate a curated virtual model, wherein the curated virtual model includes:

the first solid object,

a first visual indicia indicative of the increase in risk and associated with the first solid object,

the second solid object, and

a second visual indicia, different from the first visual indicia, indicative of the decrease in risk and associated with the second solid object; and

provide the curated virtual model to the electronic device, the curated virtual model being configured such that, when the curated virtual model is rendered at the electronic device:

the first solid object is depicted in the virtual environment using the first visual indicia, and

the second solid object is depicted in the virtual environment using the second visual indicia.

11 . The system of claim 10 , wherein the set of curation rules is configured to further cause the system to:

define templates data to include templates of model edge or appearance characteristics of features or objects relevant to assessing risks for the property; and

compare edge or appearance characteristics depicted in the plurality of images with the templates data to identify at least an inclusion portion of the plurality of images that match the templates for inclusion in the curated virtual model or an exclusion portion of the plurality of images that do not match the templates for exclusion from the curated virtual model.

12 . The system of claim 10 , wherein:

a type of the first visual indicia and the second visual indicia includes at least one of highlighting, coloring, or shading, and

the annotation record includes an indication of the type.

13 . The system of claim 10 , wherein the computer-executable instructions, when executed by the processor, further cause the system to:

obtain, from the database, one or more data records associated with the property; and

populate a data records overlay rendered in the virtual environment with records information included in the one or more data records,

wherein the records information comprises at least one of an age, an address, a market value, a name of business, a name of owner, agent affiliation, zoning information, or historical claims data associated with the property.

14 . The system of claim 13 , wherein the computer-executable instructions, when executed by the processor, further cause the system to:

transmit, to the electronic device, the virtual environment, wherein the electronic device comprises at least one of a first virtual reality device or a first mixed-reality device.

15 . The system of claim 10 , wherein the computer-executable instructions, when executed by the processor, further cause the system to:

receive, from the electronic device, a user selection of the depiction of the first solid object or the second solid object in the virtual environment; and

generate, in accordance with property data indicated in the annotation record, an annotation overlay corresponding to the first solid object or the second solid object indicating the property data.

16 . The system of claim 10 , wherein the curated virtual model further comprises:

a first portion of an annotation overlay associated with the first solid object indicative of the increase in the risk of damage; and

a second portion of the annotation overlay associated with the second solid object indicative of the decrease in the risk of damage.

17 . The system of claim 10 , wherein:

the first visual indicia comprises one or more of: a first color, a first shape, or a first outline, and

the second visual indicia comprises one or more of: a second color, a second shape, or a second outline.

18 . A non-transitory, tangible computer-readable medium storing machine-readable instructions that, when executed by a processor, cause the processor to:

receive a data request from an electronic device, wherein the data request identifies a property comprising a structure fixed at a geographic location;

generate, using a plurality of images, and based on the data request, a virtual model within a virtual environment, the virtual model depicting:

the property, and

fixed objects proximate the property;

identify a first solid object and a second solid object of the fixed objects proximate the property;

obtain, from a database, an annotation record associated with the structure, the annotation record including information indicating that:

the first solid object is a cause of an increase in a risk of damage to the property, and

the second solid object, different from the first solid object, is a cause of a decrease in the risk of damage to the property;

modify, in accordance with a set of curation rules, the virtual model to generate a curated virtual model, wherein the curated virtual model includes:

the first solid object,

a first visual indicia indicative of the increase in risk and associated with the first solid object,

the second solid object, and

a second visual indicia, different from the first visual indicia, indicative of the decrease in risk and associated with the second solid object; and

provide the curated virtual model to the electronic device, the curated virtual model being configured such that, when the curated virtual model is rendered at the electronic device:

the first solid object is depicted in the virtual environment using the first visual indicia, and

the second solid object is depicted in the virtual environment using the second visual indicia.

19 . The non-transitory, tangible computer-readable medium of claim 18 , wherein:

the annotation record includes an indication of the first visual indicia and the second visual indicia comprising one or more of highlighting, coloring, or shading.

20 . The non-transitory, tangible computer-readable medium of claim 18 , wherein the electronic device comprises at least one of a first virtual reality device or a first mixed-reality device, and the instructions, when executed by a processor, further cause the processor to:

receive, from the first virtual reality device or the first mixed-reality device, a user selection of the depiction of the first solid object or the second solid object in the virtual environment;

generate an annotation overlay indicating the user selection; and

transmit, to at least a second virtual reality device or a second mixed-reality device, the virtual environment and the annotation overlay,

wherein the annotation overlay renders the user selection in accordance with a type of visual indicia indicated in the annotation record.

Assignments (3)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 6, 2025
From: SUMMERS, NATHAN C.
To: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Reel/Frame 071031/0958 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 4, 2023
From: LITTLE, REBECCA A.; HO, AN; NUSSBAUM, BRYAN R.; SUMMERS, NATHAN C.; STOCKWEATHER, DEANNA L.; KING, VICKI
To: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Reel/Frame 064497/0218 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 22, 2023
From: LITTLE, REBECCA A.; HO, AN; NUSSBAUM, BRYAN R.; STOCKWEATHER, DEANNA L.; KING, VICKI
To: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Reel/Frame 063064/0783 →
Continuity (3)
Continuation 17308891 · May 5, 2021
Continuation 16163099 · Oct 17, 2018
Related Publication 20230245412A1 · Aug 3, 2023
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