Patents by Inventor Timothy Kiper

Timothy Kiper has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20230351520
    Abstract: A computer-implemented method includes receiving a work item associated with a structure, determining, using an inspection model, that an inspection is needed for the work item, retrieving an aerial image corresponding to a geographic location associated with the structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes (i) identifying a first object data category corresponding to the first object, and (ii) determining a data value descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the data value, linking the one or more action items to a customer account that is associated with the geographic location, and performing one or more actions corresponding to the one or more action items.
    Type: Application
    Filed: June 30, 2023
    Publication date: November 2, 2023
    Inventors: Matthew Cuttell, Timothy Kiper
  • Patent number: 11727494
    Abstract: A computer implemented method includes retrieving, via a computer network, an aerial image corresponding to a geographic location associated with a structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes identifying a first object data category corresponding to the first object, and determining objective and subjective data values descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the objective and subjective data values, and linking the one or more action items to a customer account that is associated with the geographic location.
    Type: Grant
    Filed: September 9, 2020
    Date of Patent: August 15, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew Cuttell, Timothy Kiper
  • Patent number: 10796374
    Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.
    Type: Grant
    Filed: May 10, 2018
    Date of Patent: October 6, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew Cuttell, Timothy Kiper
  • Patent number: 10692151
    Abstract: Methods, systems, and computer readable media are disclosed for determining a homeowners insurance quote from a captured image of a dwelling. The captured image includes geotagged information, and the address of the dwelling is determined by reverse geocoding this information. An insurance premium quote may then be generated based on the reverse geocoded address and any additional risk assessment factors, such as the building characteristics. Verification of the address may also be performed by accessing one or more databases, which may store information including addresses, coordinates, and images associated with the address. The building characteristics may be retrieved from one or more of the databases to allow for quote generation with minimal user intervention. Matching properties having comparative quotes near the dwelling address may also be generated.
    Type: Grant
    Filed: August 2, 2017
    Date of Patent: June 23, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Timothy Kiper, Dwayne Taylor, Jeffrey Howard Abel, Amy Engelhorn
  • Patent number: 10019761
    Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.
    Type: Grant
    Filed: April 25, 2014
    Date of Patent: July 10, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew Cuttell, Timothy Kiper
  • Patent number: 9786010
    Abstract: Methods, systems, and computer readable media are disclosed for determining a homeowners insurance quote from a captured image of a dwelling. The captured image includes geotagged information, and the address of the dwelling is determined by reverse geocoding this information. An insurance premium quote may then be generated based on the reverse geocoded address and any additional risk assessment factors, such as the building characteristics. Verification of the address may also be performed by accessing one or more databases, which may store information including addresses, coordinates, and images associated with the address. The building characteristics may be retrieved from one or more of the databases to allow for quote generation with minimal user intervention. Matching properties having comparative quotes near the dwelling address may also be generated.
    Type: Grant
    Filed: April 23, 2014
    Date of Patent: October 10, 2017
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Timothy Kiper, Dwayne Taylor, Jeffrey Howard Abel, Amy Engelhorn
  • Publication number: 20150310558
    Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.
    Type: Application
    Filed: April 25, 2014
    Publication date: October 29, 2015
    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew Cuttell, Timothy Kiper
  • Publication number: 20150310556
    Abstract: Methods, systems, and computer readable media are disclosed for determining a homeowners insurance quote from a captured image of a dwelling. The captured image includes geotagged information, and the address of the dwelling is determined by reverse geocoding this information. An insurance premium quote may then be generated based on the reverse geocoded address and any additional risk assessment factors, such as the building characteristics. Verification of the address may also be performed by accessing one or more databases, which may store information including addresses, coordinates, and images associated with the address. The building characteristics may be retrieved from one or more of the databases to allow for quote generation with minimal user intervention. Matching properties having comparative quotes near the dwelling address may also be generated.
    Type: Application
    Filed: April 23, 2014
    Publication date: October 29, 2015
    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Timothy Kiper, Dwayne Taylor, Jeffrey Howard Abel, Amy Engelhorn
  • Publication number: 20150088556
    Abstract: Methods and systems for processing property insurance are provided. According to embodiments, an insurer can process an insurance application for a property by determining a property rating score that reflects a need to conduct a manual inspection of the property. The insurer can apply a set of business rules or metrics to additional property data to further refine the decision of whether to conduct a manual inspection of the property as well as the decision of whether to issue a property insurance policy for the property. By not requiring a manual inspection, both the insurer and the insured may realize reduced costs.
    Type: Application
    Filed: September 25, 2013
    Publication date: March 26, 2015
    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ryan Convery, Timothy Kiper, Dwayne Taylor, Brad M. Johnson, Shanda Bass, Craig Cornwell, Matthew Cuttell, Stacy Whitmer, Jennifer Huffman
  • Publication number: 20150019263
    Abstract: A server integrates cost estimates in a insurance price quote process. After receiving an identification of an insurable asset in response to the one or more questions, the server receives, via the computer network, an indication of a customer choice to launch a cost estimation interface on an end user device. The cost estimation interface is used to generate a cost estimate via communication with a cost estimation server. The server receives a cost estimate from the cost estimation server, the cost estimate being generated based on customer interaction with the cost estimation interface. Also, the server causes the cost estimate and quote process information to be displayed to the customer on the end user device.
    Type: Application
    Filed: July 12, 2013
    Publication date: January 15, 2015
    Inventors: Timothy Kiper, Eric Staniak, Matthew Cuttell, Josh Schwartz, Amy Engelhorn, Jennifer Huffman, Rhonda Benter, Amy Schmidt, Stacy Whitmer, Matt J. Schroeder, Kathryn E. Knarr