Extended reality methods and systems for processing vehicle-related information

Patent metadata

Field	Value
Publication number	US-12524967-B2
Application number	US-202318111206-A
Country	US
Kind code	B2
Filing date	Feb 17, 2023
Priority date	Feb 18, 2022
Publication date	Jan 13, 2026
Grant date	Jan 13, 2026

Abstract

Embodiments of extended reality (XR) methods and systems for processing vehicle-related insurance claims are disclosed. In one embodiment, a computer-implemented method may include: (i) obtaining, using one or more XR devices, first data representing insured party XR preferences, and second data related to a damage-causing event for a vehicle; (ii) creating, using one or more processors and based upon the second data, a virtual reconstruction of the damage-causing event; and/or (iii) presenting, in a virtualized environment in accordance with the XR preferences via an XR device, the virtual reconstruction such that the insured party or an insurance representative may view, alter, and/or approve the virtual reconstruction.

First claim

What is claimed is:

1 . A computer-implemented method for generating an extended reality (XR) environment for review and analysis of vehicle damage, comprising:
obtaining, by one or more processors of a server from one or more XR devices including an XR device associated with an insured party, first data representing insured party XR preferences of the insured party and second data comprising one or more images related to a damage-causing event involving a vehicle and captured concurrently with the damage-causing event; creating, by the one or more processors of the server and based upon the second data, a virtual reconstruction of the damage-causing event by processing the one or more images to (i) generate a virtual representation of an environment of the damage-causing event, (ii) generate a virtual representation of the vehicle within the environment, and (iii) move the virtual representation of the vehicle through the virtual representation of the environment to simulate the damage-causing event; transmitting, from the one or more processors of the server to the XR device associated with the insured party, virtual environment data representing aspects of a virtualized environment in accordance with the insured party XR preferences; presenting, by the XR device associated with the insured party, the virtual reconstruction based upon the virtual environment data, together with one or more controls to view, alter, or approve the virtual reconstruction; receiving, by the one or more processors of the server, an indication of approval of the virtual reconstruction from the XR device associated with the insured party; in response to receiving the indication of approval, processing, by the one or more processors of the server with one or more trained machine learning models, the second data to determine the vehicle damage to one or more components of the vehicle that were damaged during the damage-causing event; generating, by the one or more processors of the server, one or more visual depictions of the vehicle damage to the one or more components of the vehicle to be overlaid on a representation of the vehicle in the virtualized environment; transmitting, from the one or more processors of the server to the XR device associated with the insured party, the one or more visual depictions of the vehicle damage; and presenting, by the XR device associated with the insured party in the virtualized environment, the one or more visual depictions of the vehicle damage by overlaying the one or more visual depictions over the representation of the vehicle for review, modification, or approval.

2 . The computer-implemented method of claim 1 , further comprising:
obtaining, by the one or more processors of the server from one or more sensors, sensor data related to the damage-causing event, wherein the virtual reconstruction is created based upon the second data and the sensor data.

3 . The computer-implemented method of claim 2 , further comprising:
processing, by the one or more processors of the server with the one or more trained machine learning models, the second data and the sensor data to determine claim information that includes one or more of (i) estimated repair or replacement costs, (ii) repair or replacement materials, (iii) a repair reconstruction, (iv) a repair schedule repairs, or (v) a pre-populated virtual insurance claim; generating, by the one or more processors of the server, one or more additional visual depictions of the claim information; transmitting, from the one or more processors of the server to the XR device associated with the insured party, the one or more visual depictions; and presenting, by the XR device associated with the insured party in the virtualized environment, the one or more additional visual depictions for review, modification, or approval of the claim information.

4 . The computer-implemented method of claim 2 , wherein the one or more sensors are associated with one or more of the vehicle, a mobile device associated with a person within the vehicle, other vehicles, a smart-device infrastructure, or an Internet-of-things infrastructure.

5 . The computer-implemented method of claim 4 , wherein the sensor data represents one or more of telematics data, driving behavior data, or environmental conditions.

6 . The computer-implemented method of claim 1 , further comprising:
causing, by the one or more processors of the server, the virtual reconstruction to be stored on a distributed ledger.

7 . The computer-implemented method of claim 1 , wherein presenting the virtual reconstruction in the virtualized environment includes providing a virtual meeting of avatars of the insured party and an insurance representative using the XR device associated with the insured party and an additional XR device associated with the insurance representative.

8 . The computer-implemented method of claim 1 , wherein the XR preferences represent one or more of profile data for the insured party, virtual interaction preferences, metaverse preferences, or avatar preferences.

9 . The computer-implemented method of claim 1 , wherein the second data represents damage to an additional vehicle, damage to objects, injuries to persons, events or circumstances surrounding the damage-causing event, or conditions at a time of the damage-causing event.

10 . The computer-implemented method of claim 1 , wherein the XR device associated with the insured party includes at least one of (i) an augmented reality (AR), mixed reality (MR), or virtual reality (VR) headset, or (ii) AR, MR, or VR smart glasses.

11 . A system for generating an extended reality (XR) environment for review and analysis of vehicle damage, comprising:
a communication interface configured to receive, from one or more XR devices including an XR device associated with an insured party, first data associated with insured party XR preferences of the insured party and second data comprising one or more images related to a damage-causing event involving a vehicle and captured concurrently with the damage-causing event; and one or more processors configured to:
create, based upon the second data, a virtual reconstruction of the damage-causing event by processing the one or more images to (i) generate a virtual representation of an environment of the damage-causing event, (ii) generate a virtual representation of the vehicle within the environment, and (iii) move the virtual representation of the vehicle through the virtual representation of the environment to simulate the damage-causing event;
transmit, via the communication interface to the XR device associated with the insured party, virtual environment data representing aspects of a virtualized environment in accordance with the insured party XR preferences to cause the XR device associated with the insured party to present, in the virtualized environment based upon the virtual environment data, the virtual reconstruction, together with one or more controls to view, alter, or approve the virtual reconstruction;
receive, via the communication interface, an indication of approval of the virtual reconstruction from the XR device associated with the insured party;
in response to receiving the indication of approval, process, with one or more trained machine learning models, the second data to determine the vehicle damage to one or more components of the vehicle that were damaged during the damage-causing event;
generate one or more visual depictions of the vehicle damage to the one or more components of the vehicle to be overlaid on a representation of the vehicle in the virtualized environment; and
transmit, via the communication interface to the XR device

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Breitweiser Edward W
• Gross Ryan
• Stoiber Jeffrey W
• Cope Craig
• Kawakita Christopher N
• Floyd Matthew L

Classifications

• G06Q50/186 Primary

  Estate planning · CPC title

• G06Q50/163

  Real estate management · CPC title

• G06Q50/16

  Real estate · CPC title

• G06F3/011

  Arrangements for interaction with the human body, e.g. for user immersion in virtual reality (blind teaching G09B21/00) · CPC title

• G06Q40/08

  Insurance · CPC title