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    Platform, Systems, and Methods for Identifying Property Characteristics and Property Feature Maintenance Through Aerial Imagery Analysis
    3.
    发明申请
    Platform, Systems, and Methods for Identifying Property Characteristics and Property Feature Maintenance Through Aerial Imagery Analysis 审中-公开

    公开(公告)号：US20180089763A1

    公开(公告)日：2018-03-29

    申请号：US15714376

    申请日：2017-09-25

    申请人： Aon Benfield Inc.

    发明人： Takeshi Okazaki

    IPC分类号： G06Q40/08 ,  G06F17/30 ,  G06N3/04 ,  G06N3/08 ,  G06K9/62 ,  G06K9/00

    摘要： In an illustrative embodiment, methods and systems for automatically categorizing a repair condition of a property characteristic may include obtaining aerial imagery of a geographic region including the property, identifying features of the aerial imagery corresponding to the property characteristic, analyzing the features to determine a property characteristic classification, and analyzing a region of the aerial imagery including the property characteristic to determine a condition classification. The methods and systems may further include determining, using the property characteristic classification and the condition classification, a risk estimate of damage to the property due to one or more disasters and/or a cost estimate of repair or replacement of the property characteristic.

    SYSTEMS AND METHODS FOR PERFORMING REAL-TIME CONVOLUTION CALCULATIONS OF MATRICES INDICATING AMOUNTS OF EXPOSURE
    4.
    发明申请
    SYSTEMS AND METHODS FOR PERFORMING REAL-TIME CONVOLUTION CALCULATIONS OF MATRICES INDICATING AMOUNTS OF EXPOSURE 审中-公开

    公开(公告)号：US20170185909A1

    公开(公告)日：2017-06-29

    申请号：US15460985

    申请日：2017-03-16

    申请人： AON BENFIELD, INC.

    发明人： Stephen John Martin Mildenhall ,  Kirk William Dybvik

    IPC分类号： G06N7/00 ,  G06F17/14 ,  G06F17/15

    CPC分类号： G06N7/005 ,  G06F17/141 ,  G06F17/153 ,  G06Q40/08

    摘要： In an illustrative embodiment, systems and methods for determining exposure include detecting, based on received data from external entities, an occurrence of a catastrophic event. Responsive to detecting the occurrence, a first matrix is generated indicating features of one or more properties within a vicinity of the catastrophic event, and a second matrix is generated representing characteristics of the catastrophic event. Using the first matrix and the second matrix, a convolution calculation matrix is calculated indicating amounts of correspondence between the first matrix and the second matrix. In real time, in response to detecting the occurrence of the catastrophic event, present risk exposure information to at least one remote computing system associated with at least one property of the plurality of properties, where the risk exposure data relates to the amount of correspondence between the first matrix and the second matrix in reference to the at least one property.

    METHOD OF PROVIDING CATASTROPHIC LOSS PROTECTION THROUGH A MORTGAGE
    8.
    发明申请
    METHOD OF PROVIDING CATASTROPHIC LOSS PROTECTION THROUGH A MORTGAGE 有权
    通过盗窃提供灾难性损失的方法

    公开(公告)号：US20110208547A1

    公开(公告)日：2011-08-25

    申请号：US13098212

    申请日：2011-04-29

    申请人： Bryon G. Ehrhart

    发明人： Bryon G. Ehrhart

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/06 ,  G06Q40/08

    摘要： A catastrophic hazard protection (CHP) mortgage may be provided on real property or structure(s) on the real property of a owner. The CHP mortgage may be structured to include financial protection in the event that one or more structures of the real property is damaged by a catastrophe such as a hurricane or earthquake. The owner may pay an increased interest rate on the CHP mortgage. If catastrophe damage occurs, the principal amount of the CHP mortgage may be reduced by the lesser of the value of the damage or the principal balance. Alternatively, the owner may receive a payment equivalent to the lesser of the value of the damage or the principal balance. A CHP mortgage may be implemented electronically. Additionally, catastrophic hazard protection may be added onto an existing mortgage.

    摘要翻译： 对所有者不动产的不动产或结构可能提供灾难性的危害保护（CHP）抵押。 如果不动产的一个或多个结构受到诸如飓风或地震等灾难的破坏，CHP抵押贷款的结构可能包括财务保障。 业主可以支付CHP抵押贷款利率上调。 如果发生灾难性损失，则CHP抵押的本金额可能会减少损失价值或本金余额的较小者。 或者，所有者可以收到相当于损害价值或主要余额中较小者的付款。 CHP抵押贷款可能会以电子方式实施。 此外，灾难性的危害保护可能会添加到现有的抵押贷款中。

    Method of Providing Catastrophic Loss Protection Through a Mortgage
    9.
    发明申请
    Method of Providing Catastrophic Loss Protection Through a Mortgage 审中-公开
    通过抵押提供灾难性损失保护的方法

    公开(公告)号：US20110208546A1

    公开(公告)日：2011-08-25

    申请号：US13097959

    申请日：2011-04-29

    申请人： Bryon G. Ehrhart

    发明人： Bryon G. Ehrhart

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/06 ,  G06Q40/08

    摘要： A catastrophic hazard protection (CHP) mortgage may be provided on real property or structure(s) on the real property of an owner. The CHP mortgage may be structured to include financial protection in the event that one or more structures of the real property is damaged by a catastrophe such as a hurricane or earthquake. The owner may pay an increased interest rate on the CHP mortgage. If catastrophe damage occurs, the principal amount of the CHP mortgage may be reduced by the lesser of the value of the damage or the principal balance. Alternatively, the owner may receive a payment equivalent to the lesser of the value of the damage or the principal balance. A CHP mortgage may be implemented electronically. Additionally, an existing mortgage may be augmented to add catastrophic hazard protection.

    摘要翻译： 对所有者不动产的不动产或结构可能提供灾难性的危害保护（CHP）抵押。 如果不动产的一个或多个结构受到诸如飓风或地震等灾难的破坏，CHP抵押贷款的结构可能包括财务保障。 业主可以支付CHP抵押贷款利率上调。 如果发生灾难性损失，则CHP抵押的本金额可能会减少损失价值或本金余额的较小者。 或者，所有者可以收到相当于损害价值或主要余额中较小者的付款。 CHP抵押贷款可能会以电子方式实施。 此外，现有的抵押贷款可能会增加，以增加灾难性的危害保护。