Abrégé

An insurance provider may receive loss event data associated with the loss event. The insurance provider may also receive an insurance claim submission from a claimant indicating an insured property and a claimed amount of damage to the insured property. The insurance provider examines the loss event data to estimate an actual amount of damage experienced by the property as a result of the loss event, and compares the actual amount of damage to the claimed amount of damage. Steps may include indexing the received data, semantically analyzing the received data in real-time to identify a set of relevant data, determining and excluding non-relevant data, and comparison to a threshold amount or percentage. Based on the comparison, the insurance provider may approve the insurance claim, deny the insurance claim, or flag the insurance claim. The systems and methods thus aim to reduce fraudulent or otherwise inaccurate insurance claim filings.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

A method for identifying a primary vehicle associated with a user of a mobile device includes receiving an indication of a vehicle entry event from a mobile device and retrieving sensor data from the mobile device. The method further includes receiving an indication of a vehicle exit event from the mobile device, generating a trip log including portions of the sensor data, and storing the trip log in a trip database. A server, or other suitable computing device, then analyzes the trip log and a plurality of previously stored trip logs in the trip database to determine a primary vehicle corresponding to the user of the mobile device. The method may allow a computing device to assign gathered mobile device data to a specific household vehicle.

Classes IPC  ?

• G06Q 40/08 - Assurance
• H04W 4/029 - Services de gestion ou de suivi basés sur la localisation

Abrégé

Methods and systems for modifying resources equipped to manage loss events and processing associated therewith based on an analysis of real-time data. An insurance provider can maintain historical data that indicates resources usage data for managing previously-occurring loss events. The insurance provider can receive real-time first-party and third-party loss event data from a variety of sources, the loss event data being associated with a recent or forecasted loss event. The insurance provider can compare the received loss event data to the historical data to determine that resources configured to manage insurance claim processing resulting from the loss event may need to be modified. In embodiments, the resources may be hardware or software resources, a workforce, physical goods or supplies, or other resources. The insurance provider can facilitate the appropriate resource modification by interfacing with various components and entities.

Classes IPC  ?

• G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
• G06Q 40/08 - Assurance

Abrégé

A system and method for underwriting and rating insurance products using a programmed computer system to receive usage information of a vehicle within a geographic area or location, determine a target grid cell or a sequence of target grid cells bounded by latitude and longitude lines that encompass at least a portion of the geographic area where the vehicle was used, attain a set of data associated with the target grid cell(s), and calculate a location rating factor based on the usage information, target cell(s), and the set of data.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure .

Classes IPC  ?

• G01B 21/20 - Dispositions pour la mesure ou leurs détails, où la technique de mesure n'est pas couverte par les autres groupes de la présente sous-classe, est non spécifiée ou est non significative pour mesurer des contours ou des courbes, p.ex. pour déterminer un profil
• G01B 5/20 - Dispositions pour la mesure caractérisées par l'utilisation de techniques mécaniques pour mesurer des contours ou des courbes
• G01B 11/25 - Dispositions pour la mesure caractérisées par l'utilisation de techniques optiques pour mesurer des contours ou des courbes en projetant un motif, p.ex. des franges de moiré, sur l'objet
• G01S 13/89 - Radar ou systèmes analogues, spécialement adaptés pour des applications spécifiques pour la cartographie ou la représentation
• G01S 17/89 - Systèmes lidar, spécialement adaptés pour des applications spécifiques pour la cartographie ou l'imagerie
• G06Q 40/08 - Assurance
• H04L 12/16 - Dispositions pour la fourniture de services particuliers aux abonnés

Abrégé

The method and system may be used to control the movement of a remote aerial device in an incremental step manner during a close inspection of an object or other subject matter. At the inspection location, a control module "stabilizes" the remote aerial device in a maintained, consistent hover while maintaining a close distance to the desired object. The control module may retrieve proximal sensor data that indicates possible nearby obstructions to the remote aerial device and may transmit the data to a remote control client. The remote control module may determine and display the possible one or more non-obstructed directions that the remote aerial device is capable of moving by an incremental distance. In response to receiving a selection of one of the directions, the remote control module may transmit the selection to the remote aerial device to indicate the next movement for the remote aerial device.

Classes IPC  ?

• H04W 4/38 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour la collecte d’informations de capteurs
• B64F 3/00 - Installations au sol spécialement adaptées aux aéronefs captifs
• G08C 17/02 - Dispositions pour transmettre des signaux caractérisées par l'utilisation d'une voie électrique sans fil utilisant une voie radio
• H04N 7/18 - Systèmes de télévision en circuit fermé [CCTV], c. à d. systèmes dans lesquels le signal vidéo n'est pas diffusé
• H04Q 9/00 - Dispositions dans les systèmes de commande à distance ou de télémétrie pour appeler sélectivement une sous-station à partir d'une station principale, sous-station dans laquelle un appareil recherché est choisi pour appliquer un signal de commande ou

Abrégé

Disclosed systems and methods automatically assess buildings and structures. A device may receive one or more images of a structure, such as a building or portion of the building, and then label and extract relevant data. The device may then train a system to automatically assess other data describing similar buildings or structures based on the labeled and extracted data. After training, the device may then automatically assess new data, and the assessment results may be sent directly to a client or to an agent for review and/or processing.

Classes IPC  ?

• G06V 20/00 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène
• G06Q 40/08 - Assurance
• G06V 10/764 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant la classification, p.ex. des objets vidéo

Abrégé

Driving skill data is gathered with one or more accelerometers during a driving session of a first student driver, including one or more of acceleration data, braking data, or steering data and wherein the driving skill data includes one or more of a timestamp or location stamp. A driving session report is generated with a computer processor. The driving session report includes a calculation of one or more of a student driver acceleration skill score based on the acceleration data, a student driver braking skill score based on the braking data, or a student driver steering skill score based on the steering data and storing the one or more scores on a computer-readable medium. The driving session report is displayed. Driving skill data may be gathered and driving session reports may be generated for subsequent student drivers.

Classes IPC  ?

• G09B 9/052 - Simulateurs pour l'enseignement ou l'entraînement pour l'enseignement de la conduite des véhicules ou autres moyens de transport pour l'enseignement de la conduite des véhicules terrestres caractérisés par des moyens pour enregistrer ou mesurer les performances de l'élève
• A61B 5/18 - Dispositifs pour l'exécution des tests de capacité pour conducteurs de véhicules
• G09B 5/00 - Matériel à but éducatif à commande électrique

Abrégé

81776870 ABSTRACT Insurance representatives are increasingly using remote-controlled devices to survey, film and/or take pictures of damaged property. To minimize interference with airspace during operation, a tethering system for a remote-controlled device is employed comprising a tether line having a first end adapted to be connected to a ground support and a second end adapted to be connected to the remote-controlled device. The system further includes an anchor-point disposed between the first and second ends of the tether line, the anchor point having an eyelet for securing the tether line and allowing the tether line to slide through the eyelet during use. The anchor-point and eyelet enable the tether line to flex or bend and the remote-controlled device to maneuver one or more of over or around the target area without interfering with any nearby obstructions. Date Recue/Date Received 2020-05-21

Classes IPC  ?

• B64F 3/00 - Installations au sol spécialement adaptées aux aéronefs captifs

Abrégé

A method and apparatus may predict a cross-sell product to be presented to a customer. For example, the method and apparatus may communicate a plurality of questions to a customer via a computer network relating to an insurance product. The method and apparatus may receive a customer information and use the customer information to calculate a price quote for the insurance product. The method and apparatus may query a database containing information relating to the insurance product and receive customer information from the database. The method and apparatus may then determine whether the customer information or database information is indicative of a second product. If it is determined that the customer information or the customer database information is indicative of the second product, the method and apparatus may identify the second product as a potential cross-sale product, generate a message presenting the second product and display the message.

Classes IPC  ?

• G06Q 30/0601 - Commerce électronique [e-commerce]
• G06Q 40/08 - Assurance
• G06Q 30/0283 - Estimation ou détermination de prix

Abrégé

A method and apparatus may predict a cross-sell product to be presented to a customer. For example, the method and apparatus may communicate a plurality of questions to a customer via a. computer network relating to an insurance product. The method and apparatus may receive a customer information and use the customer information to calculate a price quote for the insurance product. The method and apparatus may query a database containing information relating to the insurance product and receive customer information from the database. The method and apparatus may then determine whether the customer information or database information is indicative of h second product. lf it is determined that the customer information or the customer database information is indicative of the second product, the method and apparatus may identify the second product as a potential cross-sale product, generate a message presenting the second product and display the message.

Classes IPC  ?

• G06Q 30/0601 - Commerce électronique [e-commerce]
• G06Q 40/08 - Assurance
• G06Q 30/0283 - Estimation ou détermination de prix

Abrégé

In a computer-implemented method of generating event notifications, in-home data is received. The in-home data and environment data (e.g., weather, law enforcement, etc.) is generated by, or based on information generated by, a device located at a residence of an individual, and is analyzed to determine whether it is indicative of an event that should be reported to one or more neighboring residences and/or businesses. If the data is indicative of such an event, a notification is generated and transmitted to the relevant residences and/or businesses.

Classes IPC  ?

• G08B 23/00 - Alarmes réagissant à des conditions indésirables ou anormales, non spécifiées
• G16Y 40/50 - Sûreté; Sécurité des objets, des utilisateurs, des données ou des systèmes
• G08B 21/18 - Alarmes de situation
• G06Q 40/08 - Assurance

Abrégé

A method and system facilitates the one or more operating modes for monitoring of an intelligent home system. The method and system facilitate the detection of an adverse condition in a building, the generation of an alert based on the detection of adverse condition, sending a notification to a user about the alert, asking the user how to respond to the alert via a message sent to a mobile device, and determining whether to send the alert to a central monitoring system to facilitate notification of an appropriate responder for the adverse condition. Determining whether to send the alert to the central monitoring system may be based on an affirmative command from the user or a failure to receive any command from the user. The user may be notified via at least one of a telephone call, text message, email, or application notification. The user may provide instructions to the method and system via at least one of a telephone call, text message, email, application command, or web script. The user may be billed for the service of notifying an appropriate responder provided by central monitoring system regularly, intermittently when the user is away from the building, or on a per- alert basis.

Classes IPC  ?

• G08B 25/10 - Systèmes d'alarme dans lesquels l'emplacement du lieu où existe la condition déclenchant l'alarme est signalé à une station centrale, p.ex. systèmes télégraphiques d'incendie ou de police caractérisés par le moyen de transmission utilisant des systèmes de transmission sans fil
• H04W 4/12 - Messagerie; Boîtes aux lettres; Annonces
• H04W 4/24 - Comptabilité ou facturation
• H04W 8/18 - Traitement de données utilisateur ou abonné, p.ex. services faisant l'objet d'un abonnement, préférences utilisateur ou profils utilisateur; Transfert de données utilisateur ou abonné
• G08B 13/00 - Alarmes contre les cambrioleurs, les voleurs ou tous intrus

Abrégé

The method, system, and computer-readable medium facilitates monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated), alerting the vehicle operator when impairment is detected, and log data relating to vehicle operator impairment for further analysis.. The method, system, and computer-readable medium may monitor the vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle using either or both of optical sensors or accelerometers. In particular, one optical sensor may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Another optical sensor may monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. The accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

Classes IPC  ?

• B60W 40/09 - Style ou comportement de conduite

Abrégé

The method, system, and computer-readable medium facilitates monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy), log data relating to vehicle operator impairment for further analysis, and send the data to a server for analysis. The method, system, and computer- readable medium may monitor the vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle using either or both of optical sensors or accelerometers. In particular, one optical sensor may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Another optical sensor may monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. The accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration. The data gathered by the various sensors may be scored to determine whether to change a property and casualty insurance rate charged to vehicle operator and/or vehicle owner and/or vehicle policy.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente

Abrégé

A system and method for automating an insurance quotation are disclosed. The system and method may include receiving a first data set, the first data set related to an image of a first user data form, wherein the image has been subjected to a data integrity check prior to receipt, generating a second data set, the second data set related to the image of the first user data form, the second data set based at least on an OCR process applied to the first data set, and applying a plurality of business rules to the second data set in order to generate an insurance quotation.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

In a computer-implemented method of incentivizing low-loss behaviors, in-home data is received. The in-home data is generated by, or based on information generated by, a device located at a residence of an individual, and is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device. The method also includes determining, based on the received in-home data, an insurance premium adjustment for the individual, and providing an indication of the determined insurance premium adjustment.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

A method, system, and computer-readable medium that facilitate the reception of usage data about the utilization of an intelligent home system and insurance claims data and recommend intelligent home system products based on the claims data. The method, system, and computer-readable medium facilitate the analysis of the claims data to determine whether to recommend intelligent home system products and which, if any, intelligent home system products to recommend. Recommendations may be generated by comparing a user's usage data to the claims data. Recommendations may be generated by comparing the usage data to products related to the claims submitted by one or more similar claimants in the claims data. Recommendations may be presented to a user if the intelligent home system.

Classes IPC  ?

• G06Q 30/0601 - Commerce électronique [e-commerce]
• G06Q 40/08 - Assurance
• G08B 31/00 - Systèmes d'alarme à prédiction caractérisés par une extrapolation ou un autre type de calcul utilisant des données historiques mises à jour

Abrégé

ABSTRACT A method, system, and computer-readable medium that facilitate the reception of usage data about the mili7ation of an intelligent home system and insurance claims data and recommend intelligent home system products based on the claims data. The method, system, and computer-readable medium facilitate the analysis of the claims data to determine whether to recommend intelligent home system products and which, if any, intelligent home system products to recommend. Recommendations may be generated by comparing a user's usage data to the claims data. Recommendations may be generated by comparing the usage data to products related to the claims submitted by one or more similar claimants in the claims data. Recommendations may be presented to a user if the intelligent home system, Date Recue/Date Received 2022-08-11

Classes IPC  ?

• G06Q 30/0601 - Commerce électronique [e-commerce]
• G06Q 40/08 - Assurance

Abrégé

Providing a discount for an insurance policy in connection with the purchase of a financial services product. The systems and methods of the present invention automatically apply a discount to an insurance policy held by a customer when the customer purchases and/or maintains a financial services account, such as a deposit account. The insurance policy discount is automatically discontinued when the financial services account is closed.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

An instrument for measuring and presenting customer impressions of a company uses weighted response values of survey questions to develop a customer experience score and a customer interaction score. The two scores are added to produce a composite score. The three scores for a company may be presented with other score sets for other companies to provide a simple and consistent comparison of companies. When different businesses or even different industries have different customer experiences and interactions, weighting of response values can be adjusted to more accurately reflect the importance of that factor on the overall customer experience, which models customer satisfaction.

Classes IPC  ?

• G06Q 30/0203 - Modélisation du marché; Analyse du marché; Collecte de données du marché Études de marché; Sondages de marché
• G06Q 10/00 - Administration; Gestion

Abrégé

Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

A method, system, and computer-readable medium that facilitate the reception of usage data about the utilization of an intelligent home system and recommend intelligent home system products based on the usage data. The method, system, and computer-readable medium facilitate the analysis of the usage data to determine whether to recommend intelligent home system products and which, if any, intelligent home system products to recommend. Recommendations may be generated by comparing the usage data to an updated products list or an upgraded products list. Recommendations may be generated by comparing the usage data to a similar products list. The similar products list may be generated by analyzing previously received usage data to determine which products are often used together. Recommendations may be generated by comparing the usage data to a similar customers list. The similar customers list may be generated by analyzing previously received usage data to determine which products are used by other, similar users. Recommendations may be presented to a user if the intelligent home system.

Abrégé

A method for identifying siding includes receiving particular texture data associated with a physical texture of a particular siding sample, accessing a reference database including reference texture data associated with physical texture of multiple different reference siding samples, performing an automated texture data analysis by analyzing the particular texture data associated with the particular siding sample and the reference texture data associated with different reference siding samples, and automatically identifying at least one reference siding sample that matches the particular siding sample based at least on the automated texture data analysis. The particular texture data associated with the physical texture of the particular siding sample may comprise a digital image, such as a photographic or scanned image of the particular siding sample, or a photographic or scanned image of an ink image physically transferred from the particular siding sample onto a substrate.

Classes IPC  ?

• G01B 21/30 - Dispositions pour la mesure ou leurs détails, où la technique de mesure n'est pas couverte par les autres groupes de la présente sous-classe, est non spécifiée ou est non significative pour mesurer la rugosité ou l'irrégularité des surfaces
• E04G 23/00 - Opérations sur bâtiments existants
• G01B 11/30 - Dispositions pour la mesure caractérisées par l'utilisation de techniques optiques pour mesurer la rugosité ou l'irrégularité des surfaces

Abrégé

A system for providing vehicle information at an automobile point of purchase includes a user device having a camera or other image capturing device that is used to capture an image of an automobile. An application on or associated with the image capturing device can either transmit the image to a service provider for processing, or can implement one or more steps in a feature recognition process locally, and thereafter transmit the data to a service provider. In either case, the service provider can then complete the feature recognition processing and identify the automobile from the image. The service provider can then communicate with a make and model database to provide useful information on the vehicle, which can then be transmitted to the user device and conveniently displayed.

Classes IPC  ?

• G06V 20/60 - Type d’objets
• G06Q 40/08 - Assurance
• H04L 12/16 - Dispositions pour la fourniture de services particuliers aux abonnés

Abrégé

Providing a property replacement loan offer to a customer that has lost property in a total loss event where the offer is provided automatically in response to an indication of the total loss event. The invention includes computer-based processes that collect customer-specific data for the customer whose property is involved in the total loss event and using this data to prequalify the customer for the property replacement loan. The processing includes accessing a credit bureau to receive data related to the customer's credit.

Classes IPC  ?

• G06Q 40/03 - Crédits; Prêts; Leur traitement

Abrégé

A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules

Abrégé

The present disclosure relates generally to systems and methods for training novice drivers to detect and recognize driving hazards and for rating an insurance product. These training and rating systems and methods may utilize online training simulations to help novice drivers develop skills needed to detect and recognize driving hazards in the safe environment of a computer simulation rather than real world circumstances where errors in judgment may result in automobile crashes. Based on completion of an online training simulation and/or driver competence in online training simulations, an insurance product may be rated and/or a discount may be applied to an insurance premium.

Classes IPC  ?

• G09B 9/052 - Simulateurs pour l'enseignement ou l'entraînement pour l'enseignement de la conduite des véhicules ou autres moyens de transport pour l'enseignement de la conduite des véhicules terrestres caractérisés par des moyens pour enregistrer ou mesurer les performances de l'élève
• G06Q 40/08 - Assurance
• G09B 5/02 - Matériel à but éducatif à commande électrique avec présentation visuelle du sujet à étudier, p.ex. en utilisant une bande filmée