Remote Vehicle Damage Estimation via 3D Model Overlay

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Solution Overview

Problem

The existing insurance claim adjustment process is time-consuming and inefficient, as it often requires manual inspection and evaluation by claims adjusters, leading to delays in processing claims.

Innovation Solution

A system and method utilizing a server and remote computing device for photo-based estimation, where a three-dimensional vehicle model is displayed with a damage location indicator, allowing users to input damage locations, and images are analyzed to provide real-time estimates of damage and repair costs, enabling automated and remote claim processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If manual inspection by claims adjusters is used, then accuracy of claim evaluation is improved, but processing time increases

Engineering Contradiction:
Improveaccuracy of claim evaluationVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent creates a digital copy of the vehicle through photogrammetry techniques, generating a three-dimensional model from multiple images. This digital replica allows automated analysis and measurement without requiring physical inspection by claims adjusters, thereby maintaining evaluation accuracy while significantly reducing processing time.

Inventive Principle:
Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical system of manual inspection with an automated computational system. Image processing algorithms and computer vision techniques automatically analyze the captured images and three-dimensional model to assess damage, substituting human physical inspection with automated digital analysis that operates faster and without fatigue.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Productivity

If automated photo-based estimation is used, then processing speed is improved, but measurement precision may deteriorate

Engineering Contradiction:
Improveprocessing speedVSAvoiddamage assessment accuracy
Core Design Contradiction:
ProductivityVSMeasurement precision

Solution Approach 1:

The patent transitions from two-dimensional image analysis to three-dimensional spatial modeling. By constructing a three-dimensional model of the vehicle from multiple images, the system gains depth information and spatial context that improves the accuracy of damage assessment while maintaining automated processing speed.

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

Solution Approach 2:

The patent embeds multiple levels of analysis within the automated system: initial image capture, three-dimensional model construction, damage detection algorithms, and detailed measurement procedures. These nested processing stages work together to ensure both speed and precision, with each stage building upon the previous one to progressively refine the damage assessment.

Inventive Principle:
Principle #7Nested doll (Nesting)

Data Source

PatentUS10896550B2System and method for remotely indicating vehicular damage
Publication Date: 2021.01.19 THE TORONTO DOMINION BANK
  • US10896550B2 patent drawing
  • US10896550B2 patent drawing
  • US10896550B2 patent drawing

AI summary

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.