State Farm Mutual Automobile Insurance Company

Nearmap Us, Inc.

Nathan Carl Summers

Rebecca Ann Little

Bryan R Nussbaum

An Ho

Kevin Lee Mitchell

Deanna L Stockweather

Vicki King

Karen Wylie

Jacob Simonson

Tyler Reeves

Teresa Ho

Kevin L Mitchell

This application discloses methods, systems, and computer-implemented virtualization software applications and computer-implemented graphical user interface tools for remote virtual visualization of structures. Images are captured by an imaging vehicle of a structure and the captured images are transmitted to a remote server via a communication network. Using virtual 3D digital modeling software the server, using the images received from the imaging vehicle, generates a virtual 3D digital model of the structure and stores it in a database. This virtual 3D digital model can be accessed by remote users, using virtualization software applications, and used to view images of the structure. The user is able to manipulate the images and to view them from various perspectives and compare the before-the-damage images with images taken after damage have occurred. Based on all this the user is enabled to remotely communicate with an insurance agent and/or file an insurance claim.

Method and system for remote virtual visualization of physical locations

Methods and systems for assessing property based on predictive analytics techniques that use external data are described herein. A server may identify a reference set of information for a reference property evaluated with a reference risk score in accordance with a risk score rule that meets a predetermined threshold. The server may obtain an external data file from an external data source, wherein the external data file includes an external set of information for a prospective property. The server may compare the reference set of information with the external set of information to identify a common feature, condition, or attribute, and if identified, may evaluate the prospective property by determining a predicted risk score based on the external set of information in accordance with the risk score rule. If the predicted risk score is determined to meet the threshold, the server may indicate the prospective property as pre-approved.

Predictive analytics for assessing property using external data

Methods and systems for developing virtual models and assessing a condition of a feature of a modeled property 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 in 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 determine to assess a condition of the feature associated with the property represented in the virtual model in accordance with rules. The condition of the feature is relevant to assessing risks associated with the one or more properties. The server may subsequently obtain an assessment of the condition associated with the feature of the property based on a representation of the condition within the virtual environment.

Method and system for identifying conditions of features represented in a virtual model

Methods and system for guiding user data capture during a scan of a vehicle using a mobile device are disclosed. A user may scan a vehicle using a camera or other sensors of the mobile device to capture data from which a three-dimensional virtual model may be generated. During the scanning process, models may be generated and evaluated according to quality metrics. Visual cues may be determined and presented to the user during scanning to indicate areas sufficiently scanned or areas requiring additional scanning to meet data quality requirements for model generation. Damage to vehicle components may be identified by analysis of the generated model, and addition data capture or user annotation entry may be directed based upon the identified damage.

Guided vehicle capture for virtual mode generation

A virtual environment may be provided, the virtual environment including a procedurally generated virtual landscape. The virtual landscape may include various components, such as natural terrain elements, infrastructural elements, and residential/commercial properties, that are automatically generated based upon procedural rules so as to provide uniqueness of any one virtual landscape. A user may enter the virtual environment and, via various virtual tools, identify aspects of the generated virtual landscape that affect risk to one or more of the properties therein.

Virtual multi-property training environment

A virtual environment may be generated, the environment including a procedurally generated virtual property. The virtual property may include various features automatically generated based upon a procedural rule set, so as to provide variability between two or more virtual properties. One or more procedurally generated virtual properties may be provided to a user, and various virtual tools may be provided via which the user may identify relevant aspects corresponding to risk associated with the virtual property.

Adjustable virtual scenario-based training environment

Computer implemented methods and systems for deploying response vehicles based on a virtual environment. A server may obtain a virtual model of an overall region wherein the virtual model was generated based upon a plurality of images captured by a remote imaging vehicle. The server may then provide the virtual model to a user electronic device for rendering in a virtual environment. The server may then determine a target location within the overall region at which the response vehicle should be deployed and generate a route for the response vehicle to follow. The route may be based on damage indicated by the virtual model of the overall region. The server may then provide the route to the user electronic device and/or the response vehicle.

Methods and systems for response vehicle deployment

A method and system for generating a three-dimensional representation of a vehicle to assess damage to the vehicle. A mobile device may capture multispectral scans of a vehicle from each a plurality of cameras configured to scan the vehicle at a different wavelength of the electromagnetic spectrum. A virtual model of the vehicle may be generated from the multispectral scan of the vehicle, such that anomalous conditions or errors in individual wavelength data are omitted from model generation. A representation of the virtual model may be presented to the user via the display of the mobile device. The virtual model of the vehicle may further be analyzed to assess damage to the vehicle.

Virtual vehicle generation by multi-spectrum scanning

A polygon simplification computer system for performing polygon simplification within a web application pipeline has a memory device including a three-dimensional data model (3D data model), a Node.js environment, and a polygon simplification module for performing one or more polygon simplification operations on the 3D data model. The polygon simplification module has a binding component including a set of bindings that convert JavaScript into C++ source code, and a mesh simplification module comprising a C++ compiled polygon simplification framework. The polygon simplification module receives a request for the 3D data model, converts the request into a set of C++ instructions, transmits the instructions to the mesh simplification module, receives a 3D simplified data model, and transmits the 3D simplified data model to a client computing device.

System and method for simplifying three-dimensional models

Methods and systems for populating overlays within a virtual environment. An example method includes obtaining a virtual reality model of an overall region; accessing a plurality of records associated with respective ones of a plurality of properties modeled in the virtual reality model, wherein each of the plurality of records represents a respective status of a respective insurance claim for the respective property, and wherein all of the insurance claims are related to a same damage-causing event for the overall region; generating a plurality of overlays for respective ones of the plurality of records, wherein each of the plurality of overlays depicts the status of the claim for the respective property; and causing the pluralities of overlays to be rendered in a virtual environment for the virtual reality model at substantially the same time.

Growing community of inventors

Mesa, AZ, United States of America

Nathan Carl Summers