Systems and methods for obtaining insurance offers using mobile image capture

Patent metadata

Field	Value
Publication number	US-11017478-B2
Application number	US-201816160796-A
Country	US
Kind code	B2
Filing date	Oct 15, 2018
Priority date	Jan 18, 2008
Publication date	May 25, 2021
Grant date	May 25, 2021

Abstract

Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver's license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.

First claim

What is claimed is:

1. A method comprising:
receiving state information associated with a driver's license of a user;
determining a size associated with the state information;
on a display screen of a mobile device, displaying a first rectangular box at the determined size over real-time images being captured by a camera of the mobile device;
while displaying the first rectangular box over the real-time images, detecting the driver's license within the real-time images, monitoring whether or not the driver's license is aligned with the first rectangular box, and changing a color of the first rectangular box to indicate a state of alignment of the driver's license with the first rectangular box;
based at least in part on the driver's license being aligned with the first rectangular box, automatically capturing an image of the driver's license without the user having to press any button;
on the display screen of the mobile device, displaying a second rectangular box over real-time images being captured by the camera of the mobile device;
while displaying the second rectangular box over the real-time images, detecting an insurance card of the user within the real-time images, monitoring whether or not the insurance card is aligned with the second rectangular box, and changing a color of the second rectangular box to indicate a state of alignment of the insurance card with the second rectangular box;
based at least in part on the insurance card being aligned with the second rectangular box, automatically capturing an image of the insurance card without the user having to press any button;
displaying the captured image of the driver's license on the display screen of the mobile device;
prompting the user to select a certain field of the driver's license in the captured image of the driver's license;
receiving a selection of the certain field of the driver's license in the captured image of the driver's license;
extracting personal information from the captured image of the driver's license based on a position of the selection of the certain field;
processing the captured image of the driver's license and the captured image of the insurance card to extract insurance information comprising the personal information and vehicle information;
transmitting the insurance information to a remote server;
receiving policy offer information from the remote server; and
displaying the policy offer information on the display screen of the mobile device.

2. The method of claim 1 , further comprising displaying the insurance information to the user prior to transmitting the insurance information to the remote server.

3. The method of claim 1 , further comprising, displaying one or more inputs on the display of the mobile device for editing the insurance information prior to transmitting the insurance information to the remote server.

4. The method of claim 3 , wherein the vehicle information comprises a vehicle information number (VIN).

5. A mobile device comprising:
a communication interface configured to communicate over at least one network;
a display screen;
a camera;
at least one processor; and
one or more software modules that are configured to, when executed by the at least one processor,
receive state information associated with a driver's license of a user,
determine a size associated with the state information,
on the display screen, display a first rectangular box at the determined size over real-time images being captured by the camera,
while displaying the first rectangular box over the real-time images, detect the driver's license within the real-time images, monitor whether or not the driver's license is aligned with the first rectangular box, and change a color of the first rectangular box to indicate a state of alignment of the driver's license with the first rectangular box,
based at least in part on the driver's license being aligned with the first rectangular box, automatically capture an image of the driver's license without the user having to press any button,
on the display screen, display a second rectangular box over real-time images being captured by the camera,
while displaying the second rectangular box over the real-time images, detect an insurance card of the user within the real-time images, monitor whether or not the insurance card is aligned with the second rectangular box, and change a color of the second rectangular box to indicate a state of alignment of the insurance card with the second rectangular box,
based at least in part on the insurance card being aligned with the second rectangular box, automatically capture an image of the insurance card without the user having to press any button,
display the captured image of the driver's license on the display screen of the mobile device,
prompt the user to select a certain field of the driver's license in the captured image of the driver's license,
receive a selection of the certain field of the driver's license in the captured image of the driver's license,
extract personal information from the captured image of the driver's license based on a position of the selection of the certain field,
process the captured image of the driver's license and the captured image of the insurance card to extract insurance information comprising the personal information and vehicle information,
transmit the insurance information, via the communication interface, to a remote server over the at least one network,
receive policy offer information, via the communication interface, from the remote server, and
display the policy offer information on the display.

6. The system of claim 5 , wherein the one or more software modules are further configured to display the insurance information to the user prior to transmitting the insurance information to the remote server.

7. The system of claim 5 , wherein the one or more software modules are further configured to display one or more inputs on the display for editing the insurance information prior to transmitting the insurance information to the remote server.

8. The system of claim 5 , wherein the vehicle information comprises a vehicle information number (VIN).

Assignees

• Mitek Systems Inc

Inventors

• Strange Michael

Classifications

• G06V30/1475

  Inclination or skew detection or correction of characters or of image to be recognised · CPC title

• G06V30/166

  Normalisation of pattern dimensions · CPC title

• G06V30/162

  Quantising the image signal · CPC title

• G06V30/10

  Character recognition · CPC title

• H04N1/00307

  with a mobile telephone apparatus (constructional features of portable telephone sets H04M1/0202; mobile radio systems H04W84/00) · CPC title