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 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
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.
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 50/18 - Services juridiques; Maniement de documents juridiques
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 - 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
G01C 21/34 - Recherche d'itinéraire; Guidage en matière d'itinéraire
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
10.
Display screen with animated graphical user interface
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.
H04L 12/28 - Réseaux de données à commutation caractérisés par la configuration des liaisons, p.ex. réseaux locaux [LAN Local Area Networks] ou réseaux étendus [WAN Wide Area Networks]
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.
B64C 27/00 - Giravions; Rotors propres aux giravions
H03H 9/205 - Réseaux comprenant des éléments électromécaniques ou électro-acoustiques; Résonateurs électromécaniques - Détails de réalisation de résonateurs se composant de matériau piézo-électrique ou électrostrictif ayant des résonateurs multiples
B64C 25/32 - Trains d'atterrissage caractérisés par les éléments de contact avec le sol ou une surface analogue
B64D 43/00 - Aménagements ou adaptations des instruments
H03H 9/17 - Réseaux comprenant des éléments électromécaniques ou électro-acoustiques; Résonateurs électromécaniques - Détails de réalisation de résonateurs se composant de matériau piézo-électrique ou électrostrictif ayant un résonateur unique
B64C 39/02 - Aéronefs non prévus ailleurs caractérisés par un emploi spécial
G05D 3/00 - Commande de la position ou de la direction
G01H 1/00 - Mesure des vibrations dans des solides en utilisant la conduction directe au détecteur
15.
Method, apparatus, and computer program product for compression of a graph
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.
G06F 16/21 - Conception, administration ou maintenance des bases de données
G06F 16/174 - Systèmes de fichiers; Serveurs de fichiers - Détails d’autres fonctions de systèmes de fichiers Élimination de redondances par le système de fichiers
H04L 45/12 - Routage ou recherche de routes de paquets dans les réseaux de commutation de données Évaluation de la route la plus courte
G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
G06F 16/215 - Amélioration de la qualité des données; Nettoyage des données, p.ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
G01C 21/26 - Navigation; Instruments de navigation non prévus dans les groupes spécialement adaptés pour la navigation dans un réseau routier
16.
Systems and methods for property damage restoration predictions based upon processed digital images
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.
G06V 10/75 - Appariement de motifs d’image ou de vidéo; Mesures de proximité dans les espaces de caractéristiques utilisant l’analyse de contexte; Sélection des dictionnaires
G06V 40/16 - Visages humains, p.ex. parties du visage, croquis ou expressions
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
17.
Anonymized data transmission using per-user-functionality secret shares
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 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
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.
H04L 12/28 - Réseaux de données à commutation caractérisés par la configuration des liaisons, p.ex. réseaux locaux [LAN Local Area Networks] ou réseaux étendus [WAN Wide Area Networks]
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 d'éléments ou de caractéristiques de l'image
G06K 9/66 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant des comparaisons ou corrélations simultanées de signaux images avec une pluralité de références, p.ex. matrice de résistances avec des références réglables par une méthode adaptative, p.ex. en s'instruisant
G01C 21/32 - Structuration ou formatage de données cartographiques
G01C 22/02 - Mesure de la distance parcourue sur le sol par des véhicules, des personnes, des animaux ou autres corps solides en mouvement, p.ex. en utilisant des odomètres ou en utilisant des podomètres par conversion en formes d'onde électrique et intégration ultérieure, p.ex. en utilisant un générateur tachymétrique
G06F 16/29 - Bases de données d’informations géographiques
G06F 3/04842 - Sélection des objets affichés ou des éléments de texte affichés
23.
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.
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.
G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet
G06F 16/81 - Indexation, p.ex. balises XML; Structures de données à cet effet; Structures de stockage
G06F 16/174 - Systèmes de fichiers; Serveurs de fichiers - Détails d’autres fonctions de systèmes de fichiers Élimination de redondances par le système de fichiers
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 d'éléments ou de caractéristiques de l'image
G06K 9/66 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant des comparaisons ou corrélations simultanées de signaux images avec une pluralité de références, p.ex. matrice de résistances avec des références réglables par une méthode adaptative, p.ex. en s'instruisant
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.
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.
G06F 16/215 - Amélioration de la qualité des données; Nettoyage des données, p.ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
G06F 16/174 - Systèmes de fichiers; Serveurs de fichiers - Détails d’autres fonctions de systèmes de fichiers Élimination de redondances par le système de fichiers
G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
H04L 12/721 - Procédures de routage, p.ex. routage par le chemin le plus court, routage par la source, routage à état de lien ou routage par vecteur de distance
G01C 21/26 - Navigation; Instruments de navigation non prévus dans les groupes spécialement adaptés pour la navigation dans un réseau routier
28.
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.
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.
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 d'éléments ou de caractéristiques de l'image
G06K 9/66 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant des comparaisons ou corrélations simultanées de signaux images avec une pluralité de références, p.ex. matrice de résistances avec des références réglables par une méthode adaptative, p.ex. en s'instruisant
G01C 21/32 - Structuration ou formatage de données cartographiques
G01C 22/02 - Mesure de la distance parcourue sur le sol par des véhicules, des personnes, des animaux ou autres corps solides en mouvement, p.ex. en utilisant des odomètres ou en utilisant des podomètres par conversion en formes d'onde électrique et intégration ultérieure, p.ex. en utilisant un générateur tachymétrique
G06F 16/29 - Bases de données d’informations géographiques
G06F 3/0484 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] pour la commande de fonctions ou d’opérations spécifiques, p.ex. sélection ou transformation d’un objet, d’une image ou d’un élément de texte affiché, détermination d’une valeur de paramètre ou sélection d’une plage de valeurs
31.
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.
H04L 12/28 - Réseaux de données à commutation caractérisés par la configuration des liaisons, p.ex. réseaux locaux [LAN Local Area Networks] ou réseaux étendus [WAN Wide Area Networks]
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 - Enregistrement ou indication du fonctionnement de véhicules
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
G01C 21/34 - Recherche d'itinéraire; Guidage en matière d'itinéraire
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.
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 d'éléments ou de caractéristiques de l'image
G06K 9/66 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques utilisant des comparaisons ou corrélations simultanées de signaux images avec une pluralité de références, p.ex. matrice de résistances avec des références réglables par une méthode adaptative, p.ex. en s'instruisant
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 - Traçage à partir d'éléments de base, p.ex. de lignes ou de cercles
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
G06F 3/0484 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] pour la commande de fonctions ou d’opérations spécifiques, p.ex. sélection ou transformation d’un objet, d’une image ou d’un élément de texte affiché, détermination d’une valeur de paramètre ou sélection d’une plage de valeurs
G06T 11/60 - Edition de figures et de texte; Combinaison de figures ou de texte
G06F 16/29 - Bases de données d’informations géographiques
37.
Generating graphical presentations for in-vehicle displays
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 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
H04W 4/44 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p.ex. communication véhicule-piétons pour la communication entre véhicules et infrastructures, p.ex. véhicule à nuage ou véhicule à domicile
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.
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.
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; Estimation ou détermination des prix; Collecte de fonds
G09G 5/377 - Dispositions ou circuits de commande de l'affichage communs à l'affichage utilisant des tubes à rayons cathodiques et à l'affichage utilisant d'autres moyens de visualisation caractérisés par l'affichage de dessins graphiques individuels en utilisant une mémoire à mappage binaire - Détails concernant le traitement de dessins graphiques pour mélanger ou superposer plusieurs dessins graphiques
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.
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.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
51.
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.
G06F 9/455 - Dispositions pour exécuter des programmes spécifiques Émulation; Interprétation; Simulation de logiciel, p.ex. virtualisation ou émulation des moteurs d’exécution d’applications ou de systèmes d’exploitation
H04L 12/911 - Contrôle d’admission au réseau et allocation de ressources, p.ex. allocation de bande passante ou renégociation en cours de communication
G06F 9/44 - Dispositions pour exécuter des programmes spécifiques
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.
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 facility for representing in a relational database informational content of the series of tag-language messages is described. The facility reads an arbitrary number of the tags contained by the series of messages. For each read tag, the facility determines a path for the tag, the name of a relational table assigned to the path, values specified for the tag and/or attributes of the tag, in the name of columns of relational tables assigned to the tag and/or tag attribute values. After doing this processing, the facility updates the relational database so that and it includes all of the assigned relational tables and a relational table columns, and populates the value specified for the tags and/or attributes of tags to the relational database.
A facility for representing in a relational database informational content of the series of tag-language messages is described. The facility reads an arbitrary number of the tags contained by the series of messages. For each read tag, the facility determines a path for the tag, the name of a relational table assigned to the path, values specified for the tag and/or attributes of the tag, in the name of columns of relational tables assigned to the tag and/or tag attribute values. After doing this processing, the facility updates the relational database so that and it includes all of the assigned relational tables and a relational table columns, and populates the value specified for the tags and/or attributes of tags to the relational database.
A method, computer program product and system are provided for underwriting an insurance product such as a business owners policy by establishing a prepackaged policy having predetermined coverages, predetermined limits, and a fixed price, screening a potential customer for eligibility, and issuing the policy. The process may omit application of underwriting models to provide risk profiles and a premium based on a customer's individual data. The screening process may include comparing information from a customer to characteristics of a category of customers eligible for the insurance product, and verifying the information provided by the customer using internal carrier and external sources.
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