Methods, apparatuses, systems, computing entities, and/or the like are provided. An example method may include retrieving software development data associated with a software application; receiving modular configuration data from a client system; determining application usage data based at least in part on a user profile of the client system that is associated with the software application; generating a release note data object based at least in part on at least one of the software development data, the modular configuration data, and the application usage data; and performing one or more software application release operations by transmitting the release note data object to the client system.
There is a need for more effective and efficient predictive data analysis. Various embodiments of the present invention address one or more of the noted technical challenges. In one example, a method for generating a neutralized prediction model includes accessing an initial prediction model generated using an initial training data object, performing a randomized shuffling of the initial training data object to generate a shuffled training data object, generating randomized predictions by processing the shuffled training data object using the initial prediction model, performing a neutralization of the initial training data object to generate a neutralized training data object, and generating the neutralized prediction model based at least in part on the neutralized training data object and the randomized predictions.
There is a need for solutions that generates a temporally dynamic prediction for a particular prediction input. This need can be addressed by, for example, processing the prediction input using each of a plurality of temporally trained machine learning models to generate a corresponding model-specific prediction inference of a plurality of model-specific prediction inferences and processing the plurality of model-specific prediction inferences using an ensemble model to generate the temporally dynamic prediction for the prediction input.
Methods, apparatuses, systems, computing entities, and/or the like are provided. An example method may include determining per-application configuration data associated with a software application; determining per-client configuration data associated with a client system; determining per-application per-client configuration data associated with the software application and the client system; generating modular configuration data based at least in part on at least one of the per-application configuration data, the per-client configuration data, and the per-application per-client configuration data; generating a releasable software application based at least in part on the modular configuration data; and performing one or more software release operations by transmitting the releasable software application to the client system.
There is a need for more effective and efficient secure data transmission. This need can be addressed by, for example, solutions for secure data transmission that utilize per-user-functionality secret shares. In one example, a method includes generating a hashed user identifier based on a received user identifier; transmitting the hashed user identifier to an external computing entity; and receiving a data retrieval secret share from the external computing entity, wherein: (i) the data retrieval secret share is selected from a plurality of per-user-functionality secret shares, (ii) the plurality of per-user-functionality secret shares are generated based on a secret value, (iii) the secret value is generated based on the hashed user identifier, (iv) the secret value is used to generate a user data private key, and (v) the external computing entity is configured to encrypt user-provided data using the user data private key prior to transmission of the encrypted user-provided data.
H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
6.
Method, apparatus, and computer program product for predictive API test suite selection
Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for selecting a test suite for an API. In one embodiment, a computing entity or apparatus is configured to receive test patterns and heuristics, receive an input API, the input API comprising API specifications, parse the input API to extract the API specifications, and based at least in part on the extracted API specifications and the test patterns and heuristics, select a test suite, wherein the test suite is programmatically generated using a machine learning model and comprises one or more test routines, one or more data values, and one or more expected results.
An apparatus comprising a communications interface configured to communicate over one or more networks, at least one processor and at least one memory including program code is provided. The at least one memory and the program code configured to, with the processor, cause the apparatus to at least receive, via the communications interface, an interparty transaction request. The interparty transaction request corresponds to an interparty transaction and identifying a first party and a second party. The apparatus generates a smart contract based on the interparty transaction request; stores a data entry indicating the generation of the smart contract to a distributed ledger; executes the smart contract to cause settlement of the interparty transaction between the first party and the second party; and stores a data entry indicating the settlement of the interparty transaction to the distributed ledger.
A system is engineered to facilitate calculation of predicted perils connected with a ridesharing vehicle. The system facilitates premium endorsement that provides higher coverage than is provided under conventional products and allows drivers to work directly with their personal lines insurer in reviewing their coverage and filing a claim in the event of an accident. The subject matter facilitates higher limits while including a post-policy period audit that allows a reconciliation of high-use or high-risk driving with appropriate retroactive rate adjustments. The system also facilitates retroactive rate adjustments that would compare a policyholder’s time/distance driven or collected telematics data (including time or distance driven in each driving period) to the group average or other historical underwriting data.
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
Home telematics devices are engineered to identify unique device signatures for all appliances, fixtures, and so on that generate voltage noise, pressure waves, and acoustic responses throughout a property. The device signatures comprise the inventory of devices in the insured's home and are used to create an electronic record of the devices that assists him in filing a claim with an insurer that is quick and easy after a theft or total loss. Using the device signatures provided by home telematics devices' sensing an itemization technology, fraud detection is also possible. Additionally, analytics software predicts possible failure by analyzing the device signatures.
Embodiments are disclosed for automatically processing a claim provided by a user. Responsive to receiving a notice of loss associated with a claim of a user, a set of customer identity validation data are collected. The set of customer identity validation data may be determined to meet a pre-defined identity validation criteria. Responsive to determining that the set of customer identity validation data meets the pre-defined identity validation criteria, current claim evaluation data for the claim may be accessed. A set of predictive impact assessment scores associated with the current claim evaluation data may be determined using a predictive model. The set of current claim evaluation data may be determined to meet pre-defined claim data criteria by comparing the predictive impact assessment scores with a set of impact assessment thresholds. Responsive to determining that the set of current claim evaluation data meets the pre-defined claim data criteria, a reactive action to the claim may be determined.
Drones are engineered with sensors for use in insurance applications. After locating an object of interest, a drone performs an investigation by probing the object of interest. Sensors receive feedback from the object of interest. An electronic fingerprint of the drone is produced. Afterward, perils are computed based on the feedback and the fingerprint of the drone is used in insuring the object of interest. The act of probing includes thumping, drumming, or radiating ultrasound waves against the object of interest. The sensors can be turned off when they are within a geographic zone of prohibited operations.
With graph compression, there is a need to significantly reduce the size of the graph information/data for routing determinations. The disclosed graph compression allow for more efficient and less resource-intensive routing determinations while maintain complete graph fidelity.
Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for predicting property damage restoration estimates. In one embodiment, a computing entity or apparatus is configured to receive, from a client device, a property damage restoration estimate request comprising one or more digital image files; retrieve policy data associated with a user of the client device, the policy data comprising user identification properties and policy properties; programmatically generate, by fraud detection/prediction circuitry and based on the one or more digital image files, a first predictive value, wherein the first predictive value represents a likelihood that at least one of the digital image files was fraudulently altered; upon identifying that the first predictive value does not exceed a fraud threshold, programmatically generate, by property restoration estimate prediction circuitry and based on the one or more digital image files, a second predictive value, wherein the second predictive value represents a property damage restoration estimate, wherein the second predictive value is based at least on the property properties contained in the policy data and the one or more digital image files; and substantially instantaneously transmit a property damage restoration estimate response comprising the property damage restoration estimate to the client device.
There is a need for more effective and efficient secure data transmission. This need can be addressed by, for example, solutions for secure data transmission that utilize per-user-functionality secret shares. In one example, a method includes generating a hashed user identifier based on a received user identifier; transmitting the hashed user identifier to an external computing entity; and receiving a data retrieval secret share from the external computing entity, wherein: (i) the data retrieval secret share is selected from a plurality of per-user-functionality secret shares, (ii) the plurality of per-user-functionality secret shares are generated based on a secret value, (iii) the secret value is generated based on the hashed user identifier, (iv) the secret value is used to generate a user data private key, and (v) the external computing entity is configured to encrypt user-provided data using the user data private key prior to transmission of the encrypted user-provided data.
H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
Methods, apparatuses, systems, computing entities, and/or the like are provided. An example method may include determining per-application configuration data associated with a software application; determining per-client configuration data associated with a client system; determining per-application per-client configuration data associated with the software application and the client system; generating modular configuration data based at least in part on at least one of the per-application configuration data, the per-client configuration data, and the per-application per-client configuration data; generating a releasable software application based at least in part on the modular configuration data; and performing one or more software release operations by transmitting the releasable software application to the client system.
Methods, apparatuses, systems, computing entities, and/or the like are provided. An example method may include retrieving software development data associated with a software application; receiving modular configuration data from a client system; determining application usage data based at least in part on a user profile of the client system that is associated with the software application; generating a release note data object based at least in part on at least one of the software development data, the modular configuration data, and the application usage data; and performing one or more software application release operations by transmitting the release note data object to the client system.
Methods, systems, computer program products, and apparatus relating to an item inventory and item replacement are provided. In one embodiment a method for automatic processing of an insurance claim is provided. The method comprises (a) receiving one or more item indicators, each item indicator associated with an item in an insurance claim for an insured party; (b) for a particular item indicator of the one or more item indicators, automatically identifying an item listing associated with the particular item indicator from an item inventory, the item listing identified based at least in part on the particular item indicator; and (c) indicating the item listing as a replacement item for the particular item. Indicating the item listing as a replacement item for the particular item comprises adding the item listing to an electronic shopping cart.
Home telematics devices are engineered to identify unique device signatures for all appliances, fixtures, and so on that generate voltage noise, pressure waves, and acoustic responses throughout a property. The device signatures comprise the inventory of devices in the insured's home and are used to create an electronic record of the devices that assists him in filing a claim with an insurer that is quick and easy after a theft or total loss. Using the device signatures provided by home telematics devices' sensing an itemization technology, fraud detection is also possible. Additionally, analytics software predicts possible failure by analyzing the device signatures.
A distance-based score approximation having improved computational efficiency is provided. Responsive to receiving a score request, an observation point is identified based the score request. A geographic database is queried for map information corresponding to geometry elements located within a predetermined maximum distance of the observation point. A plurality of sections of the geometry elements are defined. Each section is associated with one of a plurality of groups of sections based on map information corresponding to a geometry element corresponding to the section. For each of the plurality of sections, an impact curtain area is determined. For each group of sections, the impact curtain area for each section associated with the group is aggregated to define a contribution for the group. The contribution for each group of sections is aggregated to determine the distance-based score. The distance-based score is provided for display via a display of a user computing entity.
G06K 9/46 - Extraction of features or characteristics of the image
G06K 9/66 - Methods or arrangements for recognition using electronic means using simultaneous comparisons or correlations of the image signals with a plurality of references, e.g. resistor matrix references adjustable by an adaptive method, e.g. learning
G01C 21/32 - Structuring or formatting of map data
G01C 22/02 - Measuring distance traversed on the ground by vehicles, persons, animals or other moving solid bodies, e.g. using odometers or using pedometers by conversion into electric waveforms and subsequent integration, e.g. using tachometer generator
Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for selecting a test suite for an API. In one embodiment, a computing entity or apparatus is configured to receive test patterns and heuristics, receive an input API, the input API comprising API specifications, parse the input API to extract the API specifications, and based at least in part on the extracted API specifications and the test patterns and heuristics, select a test suite, wherein the test suite is programmatically generated using a machine learning model and comprises one or more test routines, one or more data values, and one or more expected results.
Example embodiments may flatten structured data (e.g., extensible markup language (XML)) to two tables, a lineage table and an attribute table. The lineage table describes hierarchical relationships in the structured data and values of respective elements. The attribute table contains a normalized list of attributes in the structured data. Together the lineage and attribute tables comprise data that could enable recreation of the structured data without any loss of data. In some examples, the tables may be compressed. The flattening of the structured data into two tables, and optional compression of the tables, provides for efficient access and querying of the data. Example embodiments may provide automated and/or processing of additional structured data, ongoing over time, even if the expected hierarchy of the data changes over time.
A distance-based score approximation having improved computational efficiency is provided. Responsive to receiving a score request, a computing entity identifies an observation point based on a location indicated in the score request and defines a set of annuli comprising a plurality of concentric annuli centered on the observation point and defined by a predetermined maximum radius. The computing entity queries a geographic database for map information corresponding to geometry elements located within the predetermined maximum radius of the observation point and determines an intersection of each geometry element with each annulus. The computing entity determines a contribution for each intersection based at least in part on a size of the intersection, a measure assigned to the corresponding geometry element, and a representative radius of the corresponding annulus. The computing entity aggregates the contribution for each intersection to determine the distance-based score approximation and provides the distance-based score approximation.
G06K 9/46 - Extraction of features or characteristics of the image
G06K 9/66 - Methods or arrangements for recognition using electronic means using simultaneous comparisons or correlations of the image signals with a plurality of references, e.g. resistor matrix references adjustable by an adaptive method, e.g. learning
Embodiments are disclosed for automatically processing a claim provided by a user. Responsive to receiving a notice of loss associated with a claim of a user, a set of customer identity validation data are collected. The set of customer identity validation data may be determined to meet a pre-defined identity validation criteria. Responsive to determining that the set of customer identity validation data meets the pre-defined identity validation criteria, current claim evaluation data for the claim may be accessed. A set of predictive impact assessment scores associated with the current claim evaluation data may be determined using a predictive model. The set of current claim evaluation data may be determined to meet pre-defined claim data criteria by comparing the predictive impact assessment scores with a set of impact assessment thresholds. Responsive to determining that the set of current claim evaluation data meets the pre-defined claim data criteria, a reactive action to the claim may be determined.
36 - Financial, insurance and real estate services
Goods & Services
Insurance underwriting services for commercial property insurance; consultancy, information, and administrative services in the field of commercial property insurance
36 - Financial, insurance and real estate services
Goods & Services
Insurance underwriting services for all types of insurance; insurance underwriting services, namely, providing worldwide insurance under a master insurance program; insurance consultancy; insurance administration.
36 - Financial, insurance and real estate services
Goods & Services
Insurance underwriting services for all types of insurance; insurance underwriting services, namely, providing worldwide insurance under a master insurance program; insurance consultancy; insurance administration
With graph compression, there is a need to significantly reduce the size of the graph information/data for routing determinations. The disclosed graph compression allow for more efficient and less resource-intensive routing determinations while maintain complete graph fidelity.
Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for selecting a test suite for an API. In one embodiment, a computing entity or apparatus is configured to receive test patterns and heuristics, receive an input API, the input API comprising API specifications, parse the input API to extract the API specifications, and based at least in part on the extracted API specifications and the test patterns and heuristics, select a test suite, wherein the test suite is programmatically generated using a machine learning model and comprises one or more test routines, one or more data values, and one or more expected results.
The probabilistic accumulation method is an independent and comprehensive approach for validating third-party catastrophe models. The method starts with a standard technique, namely, a limited scenario accumulation analysis, and extends the approach via a novel sampling methodology to evaluate the third-party models against a significantly larger data set. The sampling approach includes a technique for extending the fixed frequency and severity assumption used by the vendor catastrophe models. The result is a more complete set of loss estimates against which to evaluate the vendor model output.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software, namely, a mobile application for analyzing video to determine risk of injury associated with performing workplace tasks Online non-downloadable mobile application for analyzing video to determine risk of injury associated with performing workplace tasks; online non-downloadable mobile application featuring a calculator to determine risk of injury associated with performing workplace tasks
41 - Education, entertainment, sporting and cultural services
Goods & Services
Arranging and conducting incentive reward programs to promote the sale of insurance policies and services Providing recognition and incentives by the way of awards to demonstrate excellence in the field of insurance agency and services
A distance-based score approximation having improved computational efficiency is provided. Responsive to receiving a score request, an observation point is identified based the score request. A geographic database is queried for map information corresponding to geometry elements located within a predetermined maximum distance of the observation point. A plurality of sections of the geometry elements are defined. Each section is associated with one of a plurality of groups of sections based on map information corresponding to a geometry element corresponding to the section. For each of the plurality of sections, an impact curtain area is determined. For each group of sections, the impact curtain area for each section associated with the group is aggregated to define a contribution for the group. The contribution for each group of sections is aggregated to determine the distance-based score. The distance-based score is provided for display via a display of a user computing entity.
G06K 9/46 - Extraction of features or characteristics of the image
G06K 9/66 - Methods or arrangements for recognition using electronic means using simultaneous comparisons or correlations of the image signals with a plurality of references, e.g. resistor matrix references adjustable by an adaptive method, e.g. learning
G01C 21/32 - Structuring or formatting of map data
G01C 22/02 - Measuring distance traversed on the ground by vehicles, persons, animals or other moving solid bodies, e.g. using odometers or using pedometers by conversion into electric waveforms and subsequent integration, e.g. using tachometer generator
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
43.
Home telematics devices and insurance applications
Home telematics devices are engineered to identify unique device signatures for all appliances, fixtures, and so on that generate voltage noise, pressure waves, and acoustic responses throughout a property. The device signatures comprise the inventory of devices in the insured's home and are used to create an electronic record of the devices that assists him in filing a claim with an insurer that is quick and easy after a theft or total loss. Using the device signatures provided by home telematics devices' sensing an itemization technology, fraud detection is also possible. Additionally, analytics software predicts possible failure by analyzing the device signatures.
A system is engineered to facilitate calculation of predicted perils connected with a ridesharing vehicle. The system facilitates premium endorsement that provides higher coverage than is provided under conventional products and allows drivers to work directly with their personal lines insurer in reviewing their coverage and filing a claim in the event of an accident. The subject matter facilitates higher limits while including a post-policy period audit that allows a reconciliation of high-use or high-risk driving with appropriate retroactive rate adjustments. The system also facilitates retroactive rate adjustments that would compare a policyholder's time/distance driven or collected telematics data (including time or distance driven in each driving period) to the group average or other historical underwriting data.
G07C 5/00 - Registering or indicating the working of vehicles
G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle's occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.
36 - Financial, insurance and real estate services
Goods & Services
Insurance agency and brokerage; Insurance carrier services; Insurance consultancy; Insurance administration; Insurance underwriting services for all types of insurance; Assessing insurance claims; Insurance claim processing; Insurance claims administration; Insurance underwriting consultation; Providing insurance information; Claims adjustment in the field of insurance; Providing information in insurance matters; Development of insurance policies for others; Consultancy services related to insurance; Insurance subrogation and salvage; Insurance premium rate computing
36 - Financial, insurance and real estate services
Goods & Services
Insurance agency and brokerage; Insurance carrier services; Insurance consultancy; Insurance administration; Insurance underwriting services for all types of insurance; Assessing insurance claims; Insurance claim processing; Insurance claims administration; Insurance underwriting consultation; Providing insurance information; Claims adjustment in the field of insurance; Providing information in insurance matters; Development of insurance policies for others; Consultancy services related to insurance; Insurance subrogation and salvage; Insurance premium rate computing
A system quantifies the extent of a damaged vehicle in the absence of a specialist (appraiser) present onsite. The system enables an objective estimate of the damage, supplanting or merely supplementing psychologically biased claimant reporting. The system has hardware structures to perform imagery quantification of damage on a damaged vehicle. The damaged vehicle may be located anywhere, including at the scene of an accident, at an insured's home, at an insurer's claims offices, or at a body shop. Anyone, including the insured, with a mobile device such as a smart phone, may download onto it a mobile application that guides the user to take photographs or moving images of the damaged vehicle for the system to perform imagery quantification of damage.
A distance-based score approximation having improved computational efficiency is provided. Responsive to receiving a score request, a computing entity identifies an observation point based on a location indicated in the score request and defines a set of annuli comprising a plurality of concentric annuli centered on the observation point and defined by a predetermined maximum radius. The computing entity queries a geographic database for map information corresponding to geometry elements located within the predetermined maximum radius of the observation point and determines an intersection of each geometry element with each annulus. The computing entity determines a contribution for each intersection based at least in part on a size of the intersection, a measure assigned to the corresponding geometry element, and a representative radius of the corresponding annulus. The computing entity aggregates the contribution for each intersection to determine the distance-based score approximation and provides the distance-based score approximation.
G06K 9/46 - Extraction of features or characteristics of the image
G06K 9/66 - Methods or arrangements for recognition using electronic means using simultaneous comparisons or correlations of the image signals with a plurality of references, e.g. resistor matrix references adjustable by an adaptive method, e.g. learning
36 - Financial, insurance and real estate services
Goods & Services
Insurance services, namely, insurance underwriting and administration of insurance in the fields of accident, liability, and property insurance and reinsurance; insurance brokerage services; insurance services in the nature of property and casualty loss control management and claims adjustment services; insurance claims administration and adjustment services provided as part of insured or self-insurance programs; appraisal, consulting, and financial analysis services in the fields of medical, disability, property and casualty insurance claims; insurance information, risk management, and consultancy services; and provision of the above-listed insurance services on-line from a computer database and via the internet
51.
Interactive user interface for displaying geographic boundaries
Responsive to receiving an indication of a geographical area, one or more constituent areas associated with the geographical area are identified. Boundary data corresponding to the constituent areas is accessed. The boundary data for each constituent area comprises a plurality of geographical location points defining line segments that define the boundary of the corresponding constituent area. Unique portions of line segments are identified. A unique portion of a line segment is a portion of a line segment defined in the boundary data of one and only one of the constituent areas. The geographical area boundary layer is defined. The geographical boundary layer comprises a set of line segments consisting of the unique portions of line segments. A geographical map is provided for display via a user interface. The geographical map comprises a plurality of layers. The plurality of layers comprise one or more map layer sand the geographical area boundary layer.
G06T 11/20 - Drawing from basic elements, e.g. lines or circles
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06T 11/60 - Editing figures and text; Combining figures or text
A vehicle is engineered in which a piece of hardware, an in-vehicle display, is installed and through which an insured may interface with various insurance modules. The in-vehicle display presents various pieces of graphical user interface to assist the insured in operating the vehicle depending on driving exigencies and circumstances, so as to improve vehicle technologies.
G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
H04W 4/44 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
Software, hardware, and/or combinations thereof are provided for facilitating augmented reality presentations, which dynamically augment or enhance (images or live video of) the real world with computer-generated data (e.g., graphics of virtual objects) to facilitate insurance applications. Through the use of a mobile device (e.g., phone, tablet, and eyewear), augmented reality applications are engineered to allow an insurer to enhance the experiences of customers and prospects across sales, service, and claims.
Various embodiments of the present invention provide methods, systems, apparatus, and computer program products for synchronizing data across at least two sensors. In one embodiment, first sensor data, which includes a universal time stamp from a universal time source, is recorded from at least one first sensor and second sensor data, which does not include a universal time stamp from a universal time source, is recorded from at least one second sensor. The first sensor data is correlated with the second sensor data, and a universal time that corresponds with the data from the second sensor is determined at least in part based on the correlation between the first sensor data and the second sensor data.
An apparatus is provided for generating a generalized linear model structure definition by generating a gradient boosted tree model and separating each decision tree into a plurality of indicator variables upon which a dependent variable of the generalized linear model depends. A first number of plurality of decision tree structures each having a maximum tree depth of one (1) is formed, where the first number represents a number of decision tree structures necessary to exhaust all main effects of a plurality of predictor variables on a dependent variable. Successive pluralities of decision tree structures each having a maximum tree depth increased by one (1) as compared to its immediately preceding plurality of decision tree structures are iteratively formed. Each successive plurality of decision tree structures comprises a second number of decision tree structures necessary to exhaust all interactions between the plurality of predictor variables.
Methods, systems, computer program products, and apparatus relating to an item inventory and item replacement are provided. In one embodiment a method for automatic processing of an insurance claim is provided. The method comprises (a) receiving one or more item indicators, each item indicator associated with an item in an insurance claim for an insured party; (b) for a particular item indicator of the one or more item indicators, automatically identifying an item listing associated with the particular item indicator from an item inventory, the item listing identified based at least in part on the particular item indicator; and (c) indicating the item listing as a replacement item for the particular item. Indicating the item listing as a replacement item for the particular item comprises adding the item listing to an electronic shopping cart.
Various embodiments of the present invention provide methods, systems, apparatus, and computer program products for synchronizing data across at least two sensors. In one embodiment, first sensor data, which includes a universal time stamp from a universal time source, is recorded from at least one first sensor and second sensor data, which does not include a universal time stamp from a universal time source, is recorded from at least one second sensor. The first sensor data is correlated with the second sensor data, and a universal time that corresponds with the data from the second sensor is determined at least in part based on the correlation between the first sensor data and the second sensor data.
Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for programmatically predicting policy transactions using machine learning.
Marketing and branding services, namely, consultation regarding the development of marketing and advertising consumer communication programs; Development and implementation of corporate and brand identity strategies for others; Development of advertisements and production of web commercials; Business marketing consulting in the field of public relations, advertising, marketing, social media and social networking; Business consulting services, namely, business improvement services; Providing information in the fields of public relations, business management and business marketing by mean of the internet; Direct marketing services; brand consulting, namely, consulting for other on brand development, brand creation and brand marketing; creating and disseminating marketing communications in the nature of advertisements for others by means of digital and electronic devices and methods, including mobile phones and other digital devices; marketing consultation, namely, evaluating the impact social networking sites in developing marketing and public relations strategies; services for optimizing internet advertising, namely, social media strategy and marketing consulting; digital and interactive marketing and advertising services; advertising and business services, namely, advertising especially comprising promotional services for goods and/or services, sales promotion and advertising activities; providing consulting and information in the field of advertising and marketing; services enabling the management of brands and the marketing thereof, namely, brand positioning services; organization of exhibitions for advertising purposes
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software as a service for uploading and managing information online, namely, software that allows users to upload documents, images, or media relating to insurance claims
36 - Financial, insurance and real estate services
Goods & Services
Insurance underwriting services for all types of insurance, including, mergers and acquisitions, representations and warranties, warranty and indemnity, tax liability, tax credit, and contingent risk; insurance consultancy; insurance information services; insurance administration.
36 - Financial, insurance and real estate services
Goods & Services
Insurance underwriting services for all types of insurance, including, mergers and acquisitions, representations and warranties, warranty and indemnity, tax liability, tax credit, and contingent risk; insurance consultancy; insurance information services; insurance administration
41 - Education, entertainment, sporting and cultural services
Goods & Services
Promoting the benefits of diversity and inclusion in the workplace through printed, audio, and video media Educational services, namely, conducting workshops in the field of diversity and inclusion in the workplace
Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle's occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.
A system quantifies the extent of a damaged vehicle in the absence of a specialist (appraiser) present onsite. The system enables an objective estimate of the damage, supplanting or merely supplementing psychologically biased claimant reporting. The system has hardware structures to perform imagery quantification of damage on a damaged vehicle. The damaged vehicle may be located anywhere, including at the scene of an accident, at an insured's home, at an insurer's claims offices, or at a body shop. Anyone, including the insured, with a mobile device such as a smart phone, may download onto it a mobile application that guides the user to take photographs or moving images of the damaged vehicle for the system to perform imagery quantification of damage.
41 - Education, entertainment, sporting and cultural services
Goods & Services
Promoting the benefits of diversity and inclusion in the workplace through printed, audio, and video media for others Educational services, namely, conducting workshops in the field of diversity and inclusion in the workplace
Computer program products, methods, systems, apparatus, and computing entities for providing a quote for an insurance policy are provided. In one embodiment, a method is provided comprising (a) receiving image data of a property to be insured; (b) after receiving the image data of the property to be insured, requesting external information from one or more external information sources, the external data associated with the property to be insured and comprising at least one selected from the group consisting of historical data of the property to be insured and area data of the property to be insured; (c) providing at least a portion of the external data associated with the property to be insured; and (d) providing a quote for an insurance policy for the property to be insured based at least in part on the external data.
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
G09G 5/377 - Control arrangements or circuits for visual indicators common to cathode-ray tube indicators and other visual indicators characterised by the display of individual graphic patterns using a bit-mapped memory - Details of the operation on graphic patterns for mixing or overlaying two or more graphic patterns
Pieces of software and pieces of hardware are suitable for facilitating augmented reality, which dynamically augments or enhances (images or live video of) the real world with computer-generated data (e.g., graphics of virtual objects) to facilitate insurance applications. Through the use of a mobile device (e.g., phone, tablet, and eyewear), embedded computer into body, or desktop, the augmented reality applications are engineered to allow an insurer to enhance the experiences of customers and prospects across sales, service and claims.
A vehicle is engineered in which a piece of hardware, an in-vehicle display, is installed and through which an insured may interface with various insurance modules. The in-vehicle display presents various pieces of graphical user interface to assist the insured in operating the vehicle depending on driving exigencies and circumstances, so as to improve vehicle technologies.
Automated claims adjustment is engineered to receive submission of two-dimensional data or three-dimensional data from a structured-light scan and other pieces of information directly via a mobile device. Upon receiving sufficient information to open a claim, automated claims adjustment and settlement processes are executed aiding and guiding a claimant. This reduces the time involved by the claimant in waiting for a claims adjuster to manually review a specific case file.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
Goods & Services
Mobile application for use by insurance brokers enabling brokers to provide insurance quotes, bind insurance policies, and produce insurance policy documents. Providing financial services to assist insurance brokers in the provision of insurance quotes, binding of insurance policies and production of insurance policy documents via a self-service web based internet portal.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Insurance underwriting for all types of insurance and insurance administration services Hosting a web-based platform for the provision of insurance services
Computer program products, methods, systems, apparatus, and computing entities are provided for determining successful practices of insurance representatives. In one embodiment, this may include identifying one or more successful insurance representatives and determining the business practices they use that are correlated to success.
09 - Scientific and electric apparatus and instruments
Goods & Services
Computer software that allows users to access online and mobile application platforms for organizing and tracking work-related tasks and to-do lists, set notifications, manage projects and workflows, send and receive electronic messages, and access social media platforms
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
Goods & Services
Devices comprised of receivers, transmitters and computer hardware and firmware for recording vehicle mileage Insurance underwriting, administration and brokerage in the field of accident insurance for vehicles
78.
Streaming software to multiple virtual machines in different subnets
A provisioning server delivers operating systems to more than one virtual machine in different subnetworks. Since one provisioning server can be used for multiple subnetworks, this reduces the need to build, license, and support a provisioning server or a provisioning server farm for each subnetwork. This eliminates additional Infrastructure Software licensing; reduces additional effort to implement and maintain more provisioning servers; increases flexibility to add additional subnetworks; and scales a provisioning server farm to meet demand by adding servers.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Application service provider, namely, hosting, managing, developing, analyzing, updating and maintaining applications of others in the field of digital workplace technologies; providing temporary use of non-downloadable online business application software for hosting, managing, developing, analyzing, updating and maintaining applications related to digital workplace technologies; Computer software design and development services
36 - Financial, insurance and real estate services
Goods & Services
Insurance services; financial services; insurance brokerage services; insurance and underwriting services in the fields of cybersecurity and privacy; Information, advice and consultancy relating to any of the aforesaid services.
36 - Financial, insurance and real estate services
Goods & Services
Insurance services; financial services; insurance brokerage services; insurance and underwriting services in the fields of aviation, casualty, construction, energy, environmental, financial institutions, fine art, specie, healthcare, marine, personal accident, political risk, professional lines, property, technical lines, war and terrorism; Information, advice and consultancy relating to any of the aforesaid services.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing an online portal for use by software and mobile application developers in the fields of auto insurance, homeowners insurance, safe driving, and public safety
Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle's occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.
Automated claims adjustment is engineered to receive submission of two-dimensional data or three-dimensional data from a structured-light scan and other pieces of information directly via a mobile device. Upon receiving sufficient information to open a claim, automated claims adjustment and settlement processes are executed aiding and guiding a claimant. This reduces the time involved by the claimant in waiting for a claims adjuster to manually review a specific case file.
A system quantifies the extent of a damaged vehicle in the absence of a specialist (appraiser) present onsite. The system enables an objective estimate of the damage, supplanting or merely supplementing psychologically biased claimant reporting. The system has hardware structures to perform imagery quantification of damage on a damaged vehicle. The damaged vehicle may be located anywhere, including at the scene of an accident, at an insured's home, at an insurer's claims offices, or at a body shop. Anyone, including the insured, with a mobile device such as a smart phone, may download onto it a mobile application that guides the user to take photographs or moving images of the damaged vehicle for the system to perform imagery quantification of damage.
36 - Financial, insurance and real estate services
Goods & Services
Insurance services, namely, underwriting, issuing, processing, and administration of insurance claims and policies; Automobile insurance administration and underwriting; insurance services in the nature of administering automobile insurance discounts
36 - Financial, insurance and real estate services
Goods & Services
Advisory services in the fields of business management, marketing, consumer research, and executive mentoring Insurance and financial advisory services; research and development services in connection with insurance policies, underwriting and administration
09 - Scientific and electric apparatus and instruments
Goods & Services
Computer application software for mobile phones, namely, software that allows insurance customer to take photographs of automobile vehicle damage with mobile phone and which allows third party vendor to write a repair estimate based on the damage to the vehicle
36 - Financial, insurance and real estate services
Goods & Services
Insurance services; financial services; insurance brokerage services; insurance and underwriting services in the fields of aviation, casualty, construction, energy, environmental, financial institutions, fine art, specie, healthcare, marine, personal accident, political risk, professional lines, property, technical lines, war and terrorism; Information, advice and consultancy relating to any of the aforesaid services.
36 - Financial, insurance and real estate services
Goods & Services
Insurance services; financial services; insurance brokerage services; insurance and underwriting services in the fields of aviation, casualty, construction, energy, environmental, financial institutions, fine art, specie, healthcare, marine, personal accident, political risk, professional lines, property, technical lines, war and terrorism; Information, advice and consultancy relating to any of the aforesaid services.
36 - Financial, insurance and real estate services
Goods & Services
Insurance services; financial services; insurance brokerage services; insurance and underwriting services in the fields of aviation, casualty, construction, energy, environmental, financial institutions, fine art, specie, healthcare, marine, personal accident, political risk, professional lines, property, technical lines, war and terrorism; Information, advice and consultancy relating to any of the aforesaid services.
