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公开(公告)号：US20230115691A1
公开(公告)日：2023-04-13
申请号：US17661793
申请日：2022-05-03
摘要： Computer-implemented method for calculating disease damage payments due to spreaders fault associated to an isolation exemption insurance policy (IEIP). Based upon an assessment of expected disease damages and the share fault of injured and spreaders for not isolating, insurer companies agree a method to computationally gather and store epidemiological data to calculate payments made to and by the Spreaders fund to cover the portion of disease damages suffered by the injured that are fault of spreaders. Whenever a location suffers an infectious disease epidemic with significant presymptomatic contagions, and mandatory isolations are imposed to asymptomatic individuals to reduce spreading, such individuals might be offered an IEIP to avoid those mandatory isolations. The computer-implemented method can be updated over time. The portion of disease damages that is fault of the injured is covered by each insurer.
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公开(公告)号：US11625803B2
公开(公告)日：2023-04-11
申请号：US17835284
申请日：2022-06-08
发明人： Aike Kan , Rui Luo , Xiao Yang , Yebin Wang , Liang Chen
IPC分类号： G06Q10/10 , G06Q40/08 , G06Q10/06 , G06Q30/02 , G06Q30/06 , G06Q50/26 , G06N3/08 , G06F17/18 , G06Q50/14
摘要： The invention relates to the field of tourism risk prediction, and particularly to a high land tourism safety risk warning method based on reinforcement learning, comprising: step S1, storing a tourism data set in a historical time period of a tourist site in a database, and based on the database, initializing a tourism risk warning indication function Q and a risk target function T; step S2, based on a tourism risk assessment factor sequence and combined with the selected tourism data set in the historical time period, training the tourism risk warning indication function Q and the risk target function T; and step 3, combined with an input time parameter and the trained tourism risk warning indication function Q, obtaining a warning action under the time parameter, and obtaining a risk assessment rank of the tourist site.
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公开(公告)号：US11625791B1
公开(公告)日：2023-04-11
申请号：US17120472
申请日：2020-12-14
发明人： Jennifer A. Brandmaier , Mark E. Faga , Robert H. Johnson , Philip Peter Ramirez , Kurt M. Stricker , Joshua E. Campbell
IPC分类号： G06Q40/08
摘要： Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.
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公开(公告)号：US11625790B2
公开(公告)日：2023-04-11
申请号：US16848275
申请日：2020-04-14
摘要： A method, medium, and apparatus for allowing evaluation of property, such as damaged property, remotely and efficiently. A mobile computing device at the location of the property may be used to transmit video of the property to an adjuster, and to receive video and audio communications from the adjuster. The adjuster may be selected from a queue based on time waiting in the queue and/or a number of other statistics and attributes of the adjuster. The adjuster may converse with an owner of the property and capture video of the property in order to make an appraisal or determine the infeasibility of remote appraisal and the need to instruct another adjuster to perform a physical inspection.
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公开(公告)号：US11625786B2
公开(公告)日：2023-04-11
申请号：US17503884
申请日：2021-10-18
发明人： Evren Baysal , Panagiotis Xythalis , Kailin Ding , Sixiang Li , Lu Lu , Jun Zhai
摘要： Computer implemented systems and methods are disclosed that allow for the efficient and rapid determination of guarantee funds for clearing member firms. Disclosed systems and methods account for the exposure of self-referencing risk.
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公开(公告)号：US11623649B2
公开(公告)日：2023-04-11
申请号：US17848232
申请日：2022-06-23
发明人： Brian M. Fields , Joseph P. Harr , Jeremy Myers
摘要： A system and method for measuring a driver's actual driving behaviors (e.g., acceleration, deceleration) in a manual driving mode to determine their preferred driving style, and then causing an autonomous or semi-autonomous vehicle to operate itself, within limits, in accordance with the drivers' driving style when operating in a self-driving mode, thereby providing a more familiar and comfortable driving experience for the driver. Data is collected on the actual driving behavior, any pre-existing data is accessed on the actual driving behavior, and the collected data and the pre-existing data are combined. A custom control is then created based upon the combined data, and the custom control is applied to manage the self-driving behavior of the autonomous or semi-autonomous vehicle in a self-driving mode. Additional data continues to be collected on the actual driving behavior, and the custom control is adjusted based upon the collected additional data.
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公开(公告)号：US11623648B2
公开(公告)日：2023-04-11
申请号：US17512385
申请日：2021-10-27
发明人： Kana Hamagami , Takuya Maekawa , Yosuke Nakayama , Akitoshi Jikumaru , Tae Sugimura , Takao Hishikawa , Shinichi Adachi
摘要： An information processing system includes a vehicle and a server that is communicatively connected to the vehicle. The vehicle is configured to acquire position information of the vehicle, to acquire driving information of a driver of the vehicle, and to detect occurrence of a traffic accident associated with the vehicle. When a notification of occurrence of a traffic accident is received from the vehicle, the server is configured to calculate a driving skill level of the driver based on the driving information, to store provision information in which the position information of a point at which the traffic accident has occurred is correlated with the driving skill level and the number of times of occurrence of a traffic accident at the point, and to provide the provision information to an insurance company.
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公开(公告)号：US11620862B1
公开(公告)日：2023-04-04
申请号：US16928137
申请日：2020-07-14
申请人： UIPCO, LLC
发明人： Nolan Serrao , Ruthie D. Lyle , Bharat Prasad , Ravi Durairaj
摘要： A system and method for reconstructing information about vehicular accidents is disclosed. The system comprises an onboard computing system in a vehicle with an accident reconstruction system. Using sensed information from vehicle sensors and an animation engine, the system can generate animated videos depicting the accident. The system can also take action in response to information it learns from the animated video and/or an underlying 3D model of the accident used to generate the video.
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公开(公告)号：US11620717B2
公开(公告)日：2023-04-04
申请号：US17673555
申请日：2022-02-16
发明人： Greg Maurer , Timothy Joel Davis , Amy Engelhorn
IPC分类号： G06Q40/08 , G06Q30/0601 , G06Q20/34 , G06V20/10 , H04W84/12
摘要： A computer system for enhanced personal property replacement may be provided. The computer system may include at least one processor in communication with at least one memory device. The at least one processor may programmed to receive a plurality of user preferences transmitted from a user computer device associated with a user, receive a request from the user to cover a claim, determine a first plurality of items for the user based upon the claim and the plurality of user preferences, and/or transmit, to a retailer computer device associated with a retailer, an order for the determined first plurality of items with the retailer to be delivered to the user at an address associated with the user.
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公开(公告)号：US11620715B2
公开(公告)日：2023-04-04
申请号：US16793653
申请日：2020-02-18
申请人： BlueOwl, LLC
IPC分类号： G06Q40/08 , G06Q10/10 , G06Q20/10 , G06Q20/34 , G06Q10/08 , G06Q30/02 , G06F3/0482 , G06F16/28 , G06Q10/087
摘要： A computer system for providing reimbursement controls to insurance policies is provided. The computer system may include a processor in communication with a memory device. The processor may be configured to: (i) generate a plurality of predesignated policy levels having a maximum reimbursement amount for a user based at least in part upon user data, (ii) prompt the user to select a predesignated policy level of the plurality of predesignated policy levels that includes an insurance policy covering one or more item categories up to the associated maximum reimbursement amount, (iii) store the selected predesignated policy level, (iv) receive a claim from the user, (v) determine, in response to the claim and based at least in part upon the selected predesignated policy level and the associated maximum reimbursement amount, an actual reimbursement amount for each insured item category of the one or more item categories, and (vi) provide a payment device to the user having reimbursement controls that provide the actual reimbursement amount by insured item category.
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