The Toronto-Dominion Bank

Justin Seto

Denny Devasia Kuruvilla

Harjot Singh Panag

Esli Gjini

Sarah Reeve

Naomi Sarah Feth

Anurag Thakur

Harjot Singh Panaj

Methods and systems for facilitating photo-based estimation are described. In an aspect, a computing device is configured to receive, from the camera, a signal comprising image data. The image data may represent at least a portion of a vehicle. The computing device may also retrieve data representing a preferred scene of the vehicle and determine, based on the image data and based on the data representing the preferred scene of the vehicle, whether the image data corresponds to the preferred scene of the vehicle. The server may, when the received image data corresponds to the preferred scene of the vehicle, enable capture of the image data. The server may send, via the communications module, a signal representing the captured image data to a processing server configured to analyze the captured image data to assess vehicular damage.

System and method for enabling capture of an image of a vehicle

A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, video data of a vehicle in an original state, store, in the memory, at least some of the video data of the vehicle and associate the stored video data with an account, receive, via the communications module and from the remote computing device, an indication of a claim, the indication associated with an account identifier, retrieve, using the account identifier and from the memory, the video data of the vehicle in the original state from the memory, and send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the video data of the vehicle in the original state.

System and method for obtaining video for use with photo-based estimation

Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.

System and method for providing photo-based estimation

Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to receive, via the communications module from a remote computing device, a signal comprising image data obtained by the remote computing device, the image data including metadata identifying an image capture location and a time of image capture; obtain verification data, the verification data comprising sensor data received from the remote computing device and identifying a location of the remote computing device at the time of image capture; and evaluate the image data based on the verification data to verify the authenticity of the image data by comparing the image capture location in the metadata to the location of the remote computing device at the time of image capture.

System and method for verifying image data of a vehicle

A server comprises 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 receive, via the communications module and from a remote computing device, a signal representing an indication of at least one damage location of a vehicle; generate instructions by concatenating one or more instruction sets instructing a user of the remote computing device how to obtain video data of the vehicle based on the at least one damage location and an instruction set instructing the user of the remote computing device how to obtain the video data of the vehicle to capture an identifier of the vehicle in a random order; and send, via the communications module and to the remote computing device, a signal causing the instructions to be displayed on a display of the remote computing device.

System and method for photo-based estimation with fraud prevention

Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to receive, via a communications module from a remote computing device, a signal comprising image data obtained by the remote computing device through activation of a submission application. The server may obtain verification data that includes at least one of policy data obtained from at least one of the stored profiles or sensor data received from the remote computing device. The server may evaluate the image data based on the verification data to determine whether the image data is valid. The server may, upon determining that the image data is not valid, generate an error.

A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, a signal representing an indication of a damage location of a vehicle, send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the damage location, receive, via the communications module and from the remote computing device, video data of the vehicle, and process the video data to confirm an identity of the vehicle and to numerically quantify an amount of damage to the vehicle.

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.

System and method for remotely indicating vehicular damage

Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to receive, via a communications module and from a remote computing device, a signal representing identification data and to identify, based on the identification data, one or more of the profiles stored in a data store. The server may obtain a three-dimensional vehicle model based on the identified profile. The server may send, via the communications module to the remote computing device, a signal representing display data. The display data includes the three-dimensional vehicle model and a damage location indicator overlaid on the three-dimensional vehicle model. The damage location indicator may be selectable to input an indication of a damage location. The server may receive via the communications module, after selection of the damage location indicator on the remote computing device, a signal comprising an indicator of the location of damage.

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Markham, Canada

Justin Seto