Systems and methods for obtaining insurance offers using mobile image capture

Patent metadata

Field	Value
Publication number	US-12406311-B2
Application number	US-202318202006-A
Country	US
Kind code	B2
Filing date	May 25, 2023
Priority date	Jan 18, 2008
Publication date	Sep 2, 2025
Grant date	Sep 2, 2025

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 using at least one hardware processor to:
determine a size of a type of document to be captured in an image;
generate an alignment rectangle based on the determined size;
on a display screen, display the generated alignment rectangle over real-time images of a document that are being captured by a camera;
while displaying the alignment rectangle over the real-time images, monitor whether or not the document is aligned with the alignment rectangle, and change a color of the alignment rectangle to indicate a state of alignment of the document within the alignment rectangle in the real-time images;
based at least in part on the document being aligned with the alignment rectangle in at least one of the real-time images, automatically capture an image of the document without the user having to press any button;
on the display screen, display the captured image of the document;
for each of the one or more fields,
prompt a user to select the field on the captured image, and
receive a selection of a location in the captured image from the user;
extract data, representing one or more fields in the document, from the captured image of the document, based on the selection of one or more locations in the captured image;
on the display screen, display the extracted data; and
receive a confirmation of the extracted data from the user.

2. The method of claim 1 , wherein determining the size of the type of document comprises:
receiving an indication of the type of document from a user; and
identifying a size associated with the indicated type of document.

3. The method of claim 2 , wherein the document is a drivers license, and wherein the indication comprises a selection of a state that issued the drivers license.

4. The method of claim 1 , further comprising using the at least one hardware processor to, for each of the one or more fields, after receiving the selection of the location in the captured image from the user, display a visual indicator of the selected location in the captured image on the display screen.

5. The method of claim 4 , wherein the visual indicator is a circle or dot.

6. The method of claim 1 , wherein the one or more fields are a plurality of fields.

7. The method of claim 1 , further comprising using the at least one hardware processor to: determine an image quality of the captured image using one or more image quality assurance (IQA) tests; and when the image quality is determined to be poor, prompt a user to capture another image of the document.

8. The method of claim 1 , wherein the document comprises vehicle information.

9. The method of claim 8 , further comprising using the at least one hardware processor to initiate an insurance quote request to one or more insurance companies based on the extracted data.

10. The method of claim 9 , wherein the extracted data comprise a vehicle identification number (VIN).

11. The method of claim 9 , wherein initiating the insurance quote request comprises:
on the display screen, displaying one or more inputs for entering insurance information, wherein at least one of the one or more inputs is prefilled based on the extracted data; and
receive an indication from a user to submit the insurance quote request.

12. The method of claim 11 , wherein initiating the insurance quote request further comprises transmitting the insurance quote request to a remote server.

13. The method of claim 12 , further comprising using the at least one hardware processor to:
receive at least one insurance quote from the remote server; and
on the display screen, display a representation of the at least one insurance quote to the user.

14. The method of claim 1 , wherein the at least one hardware processor and the camera are comprised in a mobile device.

15. A system comprising:
at least one hardware processor; and
one or more software modules configured to, when executed by the at least one hardware processor,
determine a size of a type of document to be captured in an image,
generate an alignment rectangle based on the determined size,
on a display screen, display the generated alignment rectangle over real-time images of a document that are being captured by a camera,
while displaying the alignment rectangle over the real-time images, monitor whether or not the document is aligned with the alignment rectangle, and change a color of the alignment rectangle to indicate a state of alignment of the document within the alignment rectangle in the real-time images,
based at least in part on the document being aligned with the alignment rectangle in at least one of the real-time images, automatically capture an image of the document without the user having to press any button,
on the display screen, display the captured image of the document,
for each of the one or more fields,
prompt a user to select the field on the captured image, and
receive a selection of a location in the captured image from the user;
extract data, representing one or more fields in the document, from the captured image of the document, based on the selection of one or more locations in the captured image,
on the display screen, display the extracted data, and
receive a confirmation of the extracted data from the user.

16. A non-transitory computer-readable medium having instructions stored thereon, wherein the instructions, when executed by a processor, cause the processor to:
determine a size of a type of document to be captured in an image;
generate an alignment rectangle based on the determined size;
on a display screen, display the generated alignment rectangle over real-time images of a document that are being captured by a camera;
while displaying the alignment rectangle over the real-time images, monitor whether or not the document is aligned with the alignment rectangle, and change a color of the alignment rectangle to indicate a state of alignment of the document within the alignment rectangle in the real-time images;
based at least in part on the document being aligned with the alignment rectangle in at least one of the real-time images, automatically capture an image of the document without the user having to press any button;
on the display screen, display the captured image of the document;
for each of the one or more fields,
prompt a user to select the field on the captured image, and
receive a selection of a location in the captured image from the user;
extract data, representing one or more fields in the document, from the captured image of the document, based on the selection of one or more locations in the captured image;
on the display screen, display the extracted data; and
receive a confirmation of the extracted data from the user.

Assignees

• Mitek Systems Inc

Inventors

• Strange Michael

Classifications

• G06V30/166

  Normalisation of pattern dimensions · CPC title

• G06V30/162

  Quantising the image signal · CPC title

• G06V30/1475

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

• G06V30/10

  Character recognition · CPC title

• H04N2201/0084

  Digital still camera · CPC title