Method and system for performing insurance underwriting and claim settlement by using images of house

Abstract

The present invention relates to a method for performing insurance underwriting and claim settlement by using images of a house, the method comprising: performing real-time artificial-intelligence detection and discrimination in the process of capturing photographs of a house, and uploading the captured photographs of the house to the cloud, wherein the photographs of the house comprise: a photograph of the roof of the house and / or photographs of the interior or exterior of the house; and the cloud performing artificial-intelligence measurement and damage evaluation on the basis of the uploaded photographs of the house, and generating an underwriting or claim settlement report. The present invention further relates to a system for performing insurance underwriting and claim settlement by using images of a house. The present invention realizes efficient and accurate collection and analysis of images of a house, and provides more comprehensive and reliable data supports for insurance underwriting and claim settlement.

Description

Methods and systems for insurance underwriting and claims processing using building images Technical Field

[0001] This invention relates to a method and system for insurance underwriting and claims processing using images of houses. Background Technology

[0002] There are some significant shortcomings in the current home insurance underwriting and claims process:

[0003] 1) Cumbersome and time-consuming inspection process: Traditional home inspections usually require manual inspection by professionals. Especially when it comes to roof inspections, claims adjusters often need to use ladders to climb onto the roof and walk back and forth for 30-75 minutes to find damage points one by one. This process is time-consuming and labor-intensive, especially in large-scale insurance underwriting and claims, which leads to inefficiency and increased costs.

[0004] 2) Subjectivity and inconsistency: Relying on manual inspections is subjective and inconsistent. Different claims adjusters may have different risk assessments of the property, which may lead to disputes for insurance companies during underwriting and claims processing.

[0005] 3) Inefficient data collection and processing: Traditional methods often require time and human resources for data collection and processing, and are prone to omissions or errors, which can affect the accuracy and efficiency of insurance underwriting and claims.

[0006] 4) When photographers use consumer-grade drones and mobile phones to photograph rooftops and houses, the image quality is often poor, the shooting angle is not standard, and risks or damages of concern to insurance companies are often missed. This greatly reduces the efficiency and accuracy of subsequent risk or damage assessment from the images and the writing of inspection reports.

[0007] Summary of the Invention

[0008] In view of this, it is necessary to provide a method and system for insurance underwriting and claims processing using house images.

[0009] This invention provides a method for insurance underwriting and claims processing using house images. The method includes the following steps: a. Real-time artificial intelligence detection and judgment are performed during the house photo taking process, and the taken house photos are uploaded to the cloud; the house photos include: roof photos and / or interior and exterior photos of the house; b. The cloud performs artificial intelligence measurement and damage assessment based on the uploaded house photos, and generates an underwriting or claims report.

[0010] Preferably, the method includes the following steps before step a:

[0011] When an insurance company's inspection request includes the roof, drones are dispatched to take photos of the roof.

[0012] Preferably, the method includes the following steps before step a:

[0013] When the insurance company's inspection request includes both the interior and exterior of the house, use your mobile phone to take photos of the interior and exterior of the house.

[0014] Preferably, step a includes:

[0015] Step S31: Obtain photos of the house taken by the photographer;

[0016] Step S32: Call the image algorithm or artificial intelligence model for real-time discrimination: the real-time discrimination includes: judging the image clarity, judging the distance of the image size, judging whether the image includes the entire wall, and judging whether the image is a roof or facade;

[0017] Step S33: Generate the detection results and display them on the user interface.

[0018] Preferably, step S33 includes:

[0019] If the image quality is deemed unsatisfactory or the photographer did not follow instructions, a prompt message will be displayed. The photographer will be given corresponding suggestions, or asked to retake the photo, or ignore the prompt message after confirming that the photo was taken correctly.

[0020] Preferably, step b includes:

[0021] Step S41: Receive the uploaded house photos;

[0022] Step S42: Preprocess the house photos, including noise reduction and brightness / contrast adjustment;

[0023] Step S43: Use an artificial intelligence model to measure and assess the damage to the preprocessed house photos: extract and analyze image features to identify risk items or damage items;

[0024] Step S44: Generate an underwriting or claims report;

[0025] Step S45: Store the processed data and update the database.

[0026] Preferably, step S44 includes:

[0027] Based on measurements and damage assessments, a claims report is generated; if the initial review fails, the claims platform will inform the user of the missing photo information and conduct a second photo data collection.

[0028] This invention provides a system for insurance underwriting and claims processing using house images. The system includes a shooting process module and a cloud module. The shooting process module is used to perform real-time artificial intelligence detection and judgment during the house photo shooting process and upload the captured house photos to the cloud. The house photos include: roof photos and / or interior and exterior photos of the house. The cloud module is used to perform measurement and damage assessment based on the uploaded house photos and generate an underwriting or claims report.

[0029] Preferably, the system further includes a rooftop camera module:

[0030] The rooftop photography module is used to dispatch drones to take photos of rooftops when the insurance company's inspection needs include rooftops.

[0031] Preferably, the system further includes a building interior and exterior photography module:

[0032] The aforementioned indoor and outdoor photography module is used to take photos of the interior and exterior of a building using a mobile phone when the insurance company's inspection requirements include the interior and exterior of the building.

[0033] This invention significantly improves the quality of images captured by photographers, reduces the probability of secondary deployment tasks, and drastically reduces the time from when an insurance company initiates a testing request to when the report is returned. This accelerates the insurance company's decision-making efficiency and reduces homeowners' waiting time, thereby significantly improving customer satisfaction. This invention achieves efficient and accurate house image acquisition and analysis, providing more comprehensive and reliable data support for insurance underwriting and claims. Specifically:

[0034] Firstly, for roof inspection, the quality and completeness of drone photos are greatly improved by pre-designed inspection areas, routes, and different inspection heights (overall view shooting, 360-degree flight shooting, overall claim item shooting, and close-up shooting of claim item details). This allows for comprehensive coverage of roof risks and damage items at multiple scales and resolutions.

[0035] Secondly, through an application deployed on consumer-grade mobile phones, photographers can capture images of building facades from different angles, distances, and with varying precision using a pre-set workflow. Lightweight image processing algorithms and models deployed within the application help photographers adhere to the workflow, providing alerts when image quality is too low or deviates from the workflow, thus significantly reducing the likelihood of uploading useless images.

[0036] Finally, by using an AI model deployed in the cloud, features can be automatically extracted from images to detect risks and damages of interest to the insurance industry. This reduces the proportion and time required for manual identification of these items, allowing a complete inspection report to be generated within hours of the photographer uploading the image. Attached Figure Description

[0037] Figure 1 is a flowchart of the method for insurance underwriting and claims settlement using house images according to the present invention;

[0038] Figure 2 is a hardware architecture diagram of the system of the present invention that uses house images for insurance underwriting and claims settlement;

[0039] Figure 3 is a schematic diagram of the sequence of flight paths in an embodiment of the present invention. Detailed Implementation

[0040] The present invention will now be described in further detail with reference to the accompanying drawings and specific embodiments.

[0041] Referring to Figure 1, this is a flowchart of a preferred embodiment of the method for insurance underwriting and claims processing using house images according to the present invention.

[0042] Step S1: Dispatch a drone to take photos of the rooftop; wherein, the drone can be a consumer-grade drone, and the consumer-grade drone includes: a consumer-grade single-lens drone without special hardware such as LiDAR.

[0043] In this embodiment, by training and dispatching consumer-grade drone pilots, drone equipment is used to conduct aerial photography of the house, particularly inspecting the roof. This allows for a comprehensive assessment of the roof's condition, including potential risks and damage, without requiring personnel to directly access the roof. If the insurance company's inspection requirements do not include the roof, this step is unnecessary and can be skipped. Specifically:

[0044] Step S11: Start the drone and perform a system self-test.

[0045] Step S12: Set the flight path and mission area. The flight path includes: overview view shooting, 360-degree flight shooting, overall claim item shooting, and close-up shooting of claim item details.

[0046] In this embodiment, the flight path sequence (see Figure 3) is as follows: overview shot, 360-degree flight shot, overall claim item shot, and close-up shot of claim item details, to achieve the best results. In other embodiments, the above flight path sequence can be shuffled, and the present invention can still be achieved.

[0047] The overall view capture requires the entire house to be covered by the image. The deployed algorithm can segment the image in real time and detect whether the entire house is within the image. The 360-degree flight capture requires S-shaped or Zigzag-shaped shooting, with each image overlapping the previous one. The deployed algorithm can monitor whether the requirements are met in real time and make a basic judgment on the distance of the flight. In other embodiments, this step can be skipped and detailed shooting can proceed directly. The overall claim item capture requires the camera's imaging surface to be as parallel as possible to the slope of the corresponding roof. A built-in real-time algorithm is used for verification and reminders. At the same time, a neural network model is used to make a rough estimate of the distance to the roof, so that the shooting distance is within a suitable range. In other embodiments, this step can also be skipped and detailed shooting can proceed directly. The requirements for detailed close-up shooting of the claim item are similar to those for overall claim item shooting, but the resolution requirement is higher to clearly show the damage.

[0048] Step S13: The drone takes off and cruises along the given flight area and route.

[0049] Step S14: The pilot monitors the flight status, takes photos during the cruise, and remotely controls the drone when necessary.

[0050] Step S15: The drone completes its flight mission and lands safely.

[0051] Step S2: Take photos of the interior and exterior of the house using a mobile phone. If the insurance company's inspection requirements do not include the interior and exterior of the house, this step is unnecessary and can be skipped; the mobile phone can be a consumer-grade mobile phone, which includes: a consumer-grade mobile phone without special hardware such as a gyroscope.

[0052] In this embodiment, consumer-grade mobile devices are used to take photos of the exterior of the house, including the external structure, exterior walls, doors and windows, yard, drainage system, and ventilation system. These photos provide more detailed and comprehensive information about the house, helping to identify potential risks or damages eligible for claims. For roof and exterior photos, in some cases, with the homeowner's authorization, photos can even be taken while the homeowner is away. Even if the homeowner is home, the entire photo-taking process does not require the homeowner to open the door or communicate with the photographer.

[0053] This involves using a consumer-grade mobile phone to take photos inside the house, including images of the internal structure, leaks, and aging pipes. For interior photography, it must comply with the insurance company's requirements and the homeowner's consent, and an appointment must be scheduled with the homeowner for the inspection.

[0054] Specifically:

[0055] Step S21: Install and open the mobile application.

[0056] Step S22: Select the shooting mode and shooting location. The shooting modes include internal shooting mode and external shooting mode.

[0057] Step S23: Follow the instructions in the application, aim at the target and take a picture.

[0058] Step S24: Return to the main interface or continue shooting at other locations.

[0059] This embodiment develops a mobile application (APP) to capture and upload photos of the interior and exterior of a building using a mobile phone's camera. A user interface is designed to allow users to easily follow instructions to photograph different parts of the building. After all photos have been captured and preliminarily inspected, they are uploaded to a cloud server.

[0060] When the photographer begins photographing the exterior of a house, the application instructs the photographer to take a series of shots of each individual house. For each house to be photographed, the photographer needs to take shots from eight different angles: front, front right, right, right rear, rear, rear left, left, and left front. For the front right, right rear, rear left, and left front angles, only two walls and their junctions and corners need to be exposed. For the front, rear, left, and right angles, a full-view photo covering the entire wall needs to be taken first, followed by a series of close-up shots from one side of the wall to the other, ensuring some overlap between each close-up. When the photographer identifies risks or damages commonly covered by insurance, such as broken doors or windows, these risks or damages should be photographed separately and with emphasis.

[0061] When the photographer begins filming the interior of the house, the application instructs a series of shots of individual rooms and key objects. For claims processing, the damaged rooms need to be filmed, including overall shots of the claimed item and close-up shots of details. For underwriting processing, most rooms need to be filmed individually to gather information on existing damage and aging. Key objects include, but are not limited to, air conditioning and ventilation systems, drainage and sewer systems, pipes, water and electricity meters, water heaters, stairs, doors, and windows. Depending on the customer's needs, the close-up shots of details include information such as the item's label, brand, serial number, and year of manufacture. In other embodiments, the dimensions of each room may also be collected to generate a floor plan, depending on the customer's requirements.

[0062] In this embodiment, a real-time image processing algorithm and model based on computer vision technology are deployed on the application side (see step S3 for details). When the photographer presses the button to take a picture as instructed by the application, the image processing algorithm deployed in the application performs a preliminary analysis of the quality of the photo. For example, if the image is blurry or unclear, or the distance is too far when taking a close-up photo, or a part of the exterior wall is missed when taking a photo of the entire building, the photographer will be prompted to retake the photo or change the angle.

[0063] This embodiment deploys an artificial intelligence model based on computer vision technology in the cloud (see step S4 for details). When the photographer focuses on photographing common risks or damage items in insurance coverage, such as doors and windows, drainpipes, water and electricity meters, swimming pools, trees, and the edges of houses and roofs, the photographer can choose to use an application to annotate the object or area. If the mobile phone is connected to the internet in real time, the mobile application can also automatically annotate the image using the artificial intelligence model by contacting a remote server, and the photographer can choose to edit the information automatically annotated by the model.

[0064] The photographer will upload the complete photo, after identifying and labeling the damage to the insured item, to the claims platform deployed in the cloud.

[0065] Step S3 involves real-time AI detection and judgment during the house photo shooting process, followed by uploading the captured photos to the cloud. Image processing and computer vision technologies are used to analyze and process the photos in real time to extract key information and features. For example, prompts can be provided to drone pilots during drone or mobile phone shooting, such as whether relevant objects are included, and whether the image quality and angle meet standards, thereby improving shooting efficiency and reducing invalid photos. The house photos include: roof photos and photos of the interior and exterior of the house.

[0066] Specifically:

[0067] Step S31: Obtain the photo data that the photographer just took through the application.

[0068] Step S32: Call the image algorithm or artificial intelligence model for real-time discrimination. The real-time discrimination includes: judging the image clarity, judging the image size and distance, judging whether the image includes the entire wall, judging whether the image is a roof or facade, etc.

[0069] Step S33: Generate detection results and display them on the user interface. If certain criteria indicate that the photographer's image quality is unsatisfactory or that the photographer did not follow the application's instructions, relevant prompts will be displayed. The photographer will be advised to retake the photo, or ignore the prompts after confirming that the photo was taken correctly.

[0070] This embodiment develops an image recognition-based algorithm and a deep learning-based artificial intelligence model to detect in real time the clarity, distance, roof and facade classification of photos, and whether it includes an entire wall, etc.

[0071] The artificial intelligence model is deployed on consumer-grade mobile phones and invoked by the application to achieve rapid identification.

[0072] This embodiment displays the results on the user interface and provides corresponding suggestions or solutions.

[0073] Step S4: The cloud platform performs AI-powered measurement and damage assessment based on the uploaded photos of the house. AI technology is used to analyze and identify common risks or damage items, such as cracks in roof tiles, leaks, and structural damage. These risks or damage items are used to generate a high-quality insurance inspection report.

[0074] Specifically:

[0075] Step S41: Receive the uploaded house photos;

[0076] Step S42: Preprocess the house photos, including noise reduction, brightness and contrast adjustment, etc.

[0077] Step S43: Call the artificial intelligence model for analysis and identification: extract and analyze image features to identify risk items or damaged items;

[0078] Step S44: Generate an underwriting or claims report.

[0079] Step S45: Store the processed data and update the database.

[0080] This embodiment deploys a cloud server and storage system to receive and process uploaded photo data.

[0081] The cloud server is equipped with an AI-based image processing algorithm. The claims platform performs 3D point cloud reconstruction and noise reduction processing on complete photos of the roof and exterior walls of the house to restore the three-dimensional image of the roof and exterior of the house.

[0082] The claims platform measures and assesses the damage to the processed roof and exterior walls using complete photos, generating a claims report. If the initial review fails, the claims platform informs the drone of the missing photo information and controls the drone to collect photo data a second time.

[0083] This embodiment configures a database system to store the processed data and generated reports.

[0084] Referring to Figure 2, this is a hardware architecture diagram of the system 10 for insurance underwriting and claims processing using building images according to the present invention. The system includes: a rooftop imaging module 101, an interior and exterior building imaging module 102, an imaging process module 103, and a cloud module 104. Wherein:

[0085] The rooftop photography module 101 is used to dispatch a drone to take photos of the rooftop; wherein, the drone can be a consumer-grade drone, and the consumer-grade drone includes: a consumer-grade single-lens drone without special hardware such as LiDAR.

[0086] In this embodiment, by training and dispatching consumer-grade drone pilots, drone equipment is used to conduct aerial photography of the house, particularly inspecting the roof. This allows for a comprehensive assessment of the roof's condition, including potential risks and damage, without requiring personnel to directly access the roof. If the insurance company's inspection requirements do not include the roof, this module is unnecessary. Specifically:

[0087] The rooftop camera module 101 starts the drone and performs a system self-check, setting the flight path and mission area. The flight path includes: overview view shooting, 360-degree flight shooting, overall claim item shooting, and close-up shooting of claim item details.

[0088] In this embodiment, the flight path is sequenced as follows: overview view shooting, 360-degree flight shooting, overall claim item shooting, and close-up detail shooting of the claim item, to achieve the best results. In other embodiments, the order of the flight path can be disrupted to achieve the same result.

[0089] The overall view capture requires the entire house to be covered by the image. The deployed algorithm can segment the image in real time and detect whether the entire house is within the image. The 360-degree flight capture requires S-shaped or Zigzag-shaped shooting, with each image overlapping the previous one. The deployed algorithm can monitor whether the requirements are met in real time and make a basic judgment on the distance of the flight. In other embodiments, this step can be skipped and detailed shooting can proceed directly. The overall claim item capture requires the camera's imaging surface to be as parallel as possible to the slope of the corresponding roof. A built-in real-time algorithm is used for verification and reminders. At the same time, a neural network model is used to make a rough estimate of the distance to the roof, so that the shooting distance is within a suitable range. In other embodiments, this step can also be skipped and detailed shooting can proceed directly. The requirements for detailed close-up shooting of the claim item are similar to those for overall claim item shooting, but the resolution requirement is higher to clearly show the damage.

[0090] The drone takes off and cruises along a given flight area and route. The pilot monitors the flight status, takes photos during the cruise, and remotely controls the drone when necessary. The drone completes its mission and lands safely.

[0091] The indoor / outdoor photography module 102 is used to take photos of the interior and exterior of a building using a mobile phone. If the insurance company's testing requirements do not include the interior and exterior of the building, then this module is not needed; the mobile phone can be a consumer-grade mobile phone, which includes mobile phones without special hardware such as a gyroscope.

[0092] In this embodiment, consumer-grade mobile devices are used to take photos of the exterior of the house, including the external structure, exterior walls, doors and windows, yard, drainage system, and ventilation system. These photos provide more detailed and comprehensive information about the house, helping to identify potential risks or damages eligible for claims. For roof and exterior photos, in some cases, with the homeowner's authorization, photos can even be taken while the homeowner is away. Even if the homeowner is home, the entire photo-taking process does not require the homeowner to open the door or communicate with the photographer.

[0093] This involves using a consumer-grade mobile phone to take photos inside the house, including images of the internal structure, leaks, and aging pipes. For interior photography, it must comply with the insurance company's requirements and the homeowner's consent, and an appointment must be scheduled with the homeowner for the inspection.

[0094] Specifically, it includes:

[0095] Install and open the mobile application.

[0096] Select the shooting mode and shooting location. The shooting modes include internal shooting mode and external shooting mode.

[0097] Follow the app's instructions to aim at the target and take a picture.

[0098] Confirm the photo quality and upload it to the cloud server.

[0099] Return to the main screen or continue shooting in other locations.

[0100] This embodiment develops a mobile application (APP) to capture and upload photos of the interior and exterior of a building using a mobile phone's camera. A user interface is designed to allow users to easily follow instructions to photograph different parts of the building. After all photos have been captured and preliminarily inspected, they are uploaded to a cloud server.

[0101] When the photographer begins photographing the exterior of a house, the application instructs the photographer to take a series of shots of each individual house. For each house to be photographed, the photographer needs to take shots from eight different angles: front, front right, right, right rear, rear, rear left, left, and left front. For the front right, right rear, rear left, and left front angles, only two walls and their junctions and corners need to be exposed. For the front, rear, left, and right angles, a full-view photo covering the entire wall needs to be taken first, followed by a series of close-up shots from one side of the wall to the other, ensuring some overlap between each close-up. When the photographer identifies risks or damages commonly covered by insurance, such as broken doors or windows, these risks or damages should be photographed separately and with emphasis.

[0102] When the photographer begins filming the interior of the house, the application instructs a series of shots of individual rooms and key objects. For claims processing, the damaged rooms need to be filmed, including overall shots of the claimed item and close-up shots of details. For underwriting processing, most rooms need to be filmed individually to gather information on existing damage and aging. Key objects include, but are not limited to, air conditioning and ventilation systems, drainage and sewer systems, pipes, water and electricity meters, water heaters, stairs, doors, and windows. Depending on the customer's needs, the close-up shots of details include information such as the item's label, brand, serial number, and year of manufacture. In other embodiments, the dimensions of each room may also be collected to generate a floor plan, depending on the customer's requirements.

[0103] The shooting process module 103 is used to perform real-time artificial intelligence detection and judgment during the house photo shooting process, and upload the captured house photos to the cloud: It uses image processing and computer vision technology to analyze and process the photos in real time to extract key information and features. For example, it provides prompts to drone pilots when using drones or mobile phones to shoot, such as whether relevant objects are included, whether the image quality and angle meet standards, etc., thereby improving shooting efficiency and reducing invalid photos. The house photos include: roof photos and photos of the interior and exterior of the house. Specifically:

[0104] The shooting process module 103 acquires the photo data that the photographer just took through the application.

[0105] The shooting process module 103 calls image algorithms or artificial intelligence models to perform real-time discrimination. The real-time discrimination includes: judging the image clarity, judging the distance of the image size, judging whether the image includes the entire wall, judging whether the image is a roof or facade, etc.

[0106] The shooting process module 103 generates detection results and displays them on the user interface. If certain criteria indicate that the image quality is unsatisfactory or the shooting was not performed according to the application's instructions, relevant prompts are displayed. The photographer will be advised to retake the shot, or ignore the prompts after confirming that the shot was correct.

[0107] This embodiment develops an image recognition-based algorithm and a deep learning-based artificial intelligence model to detect in real time the clarity, distance, roof and facade classification of photos, and whether it includes an entire wall, etc.

[0108] The artificial intelligence model is deployed on consumer-grade mobile phones and invoked by the application to achieve rapid identification.

[0109] This embodiment displays the results on the user interface and provides corresponding suggestions or solutions.

[0110] The cloud module 104 is used to perform artificial intelligence measurement and damage assessment based on uploaded photos of the house, generating an insurance or claims report: It utilizes artificial intelligence technology to analyze and identify the photographs. This analysis and identification process can identify common risks or damage items, such as cracks in roof tiles, leaks, and structural damage to the house. These risks or damage items are used to write a high-quality insurance inspection report. Specifically:

[0111] The cloud module 104 receives the uploaded photo data.

[0112] The cloud module 104 preprocesses the photos, and the preprocessing includes noise reduction, brightness and contrast adjustment, etc.

[0113] The cloud module 104 calls an artificial intelligence model to perform analysis and identification: extracting and analyzing image features to identify risk items or damaged items.

[0114] The cloud module 104 generates an underwriting or claims report.

[0115] The cloud module 104 stores the processed data and updates the database.

[0116] This embodiment deploys a cloud server and storage system to receive and process uploaded photo data.

[0117] The cloud server is equipped with an AI-based image processing algorithm. The claims platform performs 3D point cloud reconstruction and noise reduction processing on complete photos of the roof and exterior walls of the house to restore the three-dimensional image of the roof and exterior of the house.

[0118] The claims platform measures and assesses the damage to the processed roof and exterior walls using complete photos, generating a claims report. If the initial review fails, the claims platform informs the drone of the missing photo information and controls the drone to collect photo data a second time.

[0119] This embodiment configures a database system to store the processed data and generated reports.

[0120] This application utilizes consumer-grade drone pilots to inspect properties, combined with consumer-grade smartphones to take photos inside and outside the home. First, the photos are pre-judged using image processing algorithms and models deployed on a local application to ensure clarity, quality, and that the photographer has followed instructions to take acceptable photos. After all photos are taken, they are uploaded to the cloud for post-processing. Image processing algorithms and artificial intelligence technologies are used to analyze and identify insured risks or claims-related damages. This improves the efficiency and accuracy of the home inspection process, reduces interference from subjective human factors, and accelerates the speed and accuracy of data collection and processing, thereby improving the efficiency and accuracy of insurance underwriting and claims, and providing a better service experience for insurance companies and customers.

[0121] Although the present invention has been described with reference to the present preferred embodiments, those skilled in the art should understand that the above preferred embodiments are only used to illustrate the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for insurance underwriting and claims processing using building images, characterized in that, The method includes the following steps: a. Real-time artificial intelligence detection and judgment are performed during the house photo shooting process, and the captured house photos are uploaded to the cloud; the house photos include: roof photos and / or interior and exterior photos of the house; b. The cloud platform uses artificial intelligence to perform measurements and damage assessments based on uploaded photos of the house, generating insurance or claims reports.

2. The method for insurance underwriting and claims settlement using house images as described in claim 1, characterized in that, The method includes the following steps prior to step a: When an insurance company's inspection request includes the roof, a drone is dispatched to take photos of the roof. The drones include: consumer-grade drones.

3. The method for insurance underwriting and claims settlement using house images as described in claim 1, characterized in that, The method includes the following steps prior to step a: When the insurance company's inspection request includes both the interior and exterior of the house, use your mobile phone to take photos of the interior and exterior of the house; The mobile phones mentioned include: consumer-grade mobile phones.

4. The method for insurance underwriting and claims settlement using house images as described in claim 1, characterized in that, Step a includes: Step S31: Obtain photos of the house taken by the photographer; Step S32: Call the image algorithm or artificial intelligence model for real-time discrimination: the real-time discrimination includes: judging the image clarity, judging the distance of the image size, judging whether the image includes the entire wall, and judging whether the image is a roof or facade; Step S33: Generate the detection results and display them on the user interface.

5. The method for insurance underwriting and claims settlement using house images as described in claim 4, characterized in that, Step S33 includes: If the image quality is deemed unsatisfactory or the photographer did not follow instructions, a prompt message will be displayed. The photographer will be given corresponding suggestions, or asked to retake the photo, or ignore the prompt message after confirming that the photo was taken correctly.

6. The method for insurance underwriting and claims settlement using house images as described in claim 1, characterized in that, Step b includes: Step S41: Receive the uploaded house photos; Step S42: Preprocess the house photos, including noise reduction and brightness / contrast adjustment; Step S43: Use an artificial intelligence model to measure and assess the damage to the preprocessed house photos: extract and analyze image features to identify risk items or damage items; Step S44: Generate an underwriting or claims report; Step S45: Store the processed data and update the database.

7. The method for insurance underwriting and claims settlement using house images as described in claim 6, characterized in that, Step S44 includes: Based on measurements and damage assessments, a claims report is generated; if the initial review fails, the claims platform will inform the user of the missing photo information and conduct a second photo data collection.

8. A system for insurance underwriting and claims processing using building images, characterized in that, The system includes a shooting process module and a cloud module, among which: The shooting process module is used to perform real-time artificial intelligence detection and judgment during the house photo shooting process, and upload the captured house photos to the cloud; the house photos include: roof photos and / or interior and exterior photos of the house; The cloud module is used to perform artificial intelligence measurements and damage assessments based on uploaded photos of the house, and generate insurance or claims reports.

9. The system for insurance underwriting and claims processing using building images as described in claim 8, characterized in that, The system also includes a rooftop camera module: The rooftop photography module is used to dispatch drones to take photos of rooftops when the insurance company's inspection needs include rooftops.

10. The system for insurance underwriting and claims processing using building images as described in claim 8, characterized in that, The system also includes a module for capturing images inside and outside buildings: The aforementioned indoor and outdoor photography module is used to take photos of the interior and exterior of a building using a mobile phone when the insurance company's inspection requirements include the interior and exterior of the building.

Images