Indexing and adjusting for property condition in an automated valuation model

    公开(公告)号:US12045899B2

    公开(公告)日:2024-07-23

    申请号:US13242585

    申请日:2011-09-23

    IPC分类号: G06Q50/16 G06Q40/02

    CPC分类号: G06Q50/16 G06Q40/02

    摘要: Indexing and adjusting for property condition in an automated valuation model. Property data corresponding to a geographical area is accessed, and a regression is performed based upon the property data. The regression models the relationship between a dependent variable, such as price, and property-characteristic explanatory variables. Further regression is then performed and models or further explains the relationship between the dependent variable and property condition explanatory variables. Specifically, further regression may model the relationship between the residual from the first regression and the property condition variables. Optional examples of these variables are those based upon the presence of predetermined remarks in associated property listings, the number of photos in such listings, and a categorical year built variable. The regression is used to determine a property-condition index for the geographical area. The property-condition index identifies a predicted condition that is used to make adjustments to comparable properties in automated valuation modeling.

    INDEXING AND ADJUSTING FOR PROPERTY CONDITION IN AN AUTOMATED VALUATION MODEL
    2.
    发明申请
    INDEXING AND ADJUSTING FOR PROPERTY CONDITION IN AN AUTOMATED VALUATION MODEL 审中-公开
    自动估价模型中物业条件的指标和调整

    公开(公告)号:US20130080340A1

    公开(公告)日:2013-03-28

    申请号:US13242585

    申请日:2011-09-23

    IPC分类号: G06Q50/16

    CPC分类号: G06Q50/16 G06Q40/02

    摘要: Indexing and adjusting for property condition in an automated valuation model. Property data corresponding to a geographical area is accessed, and a regression is performed based upon the property data. The regression models the relationship between a dependent variable, such as price, and property-characteristic explanatory variables. Further regression is then performed and models or further explains the relationship between the dependent variable and property condition explanatory variables. Specifically, further regression may model the relationship between the residual from the first regression and the property condition variables. Optional examples of these variables are those based upon the presence of predetermined remarks in associated property listings, the number of photos in such listings, and a categorical year built variable. The regression is used to determine a property-condition index for the geographical area. The property-condition index identifies a predicted condition that is used to make adjustments to comparable properties in automated valuation modeling.

    摘要翻译: 自动估价模型中的财产状况的索引和调整。 访问对应于地理区域的属性数据,并且基于属性数据执行回归。 回归模型建立了一个因变量(如价格)和财产特征解释变量之间的关系。 然后进行进一步的回归,模型或进一步解释因变量与属性条件解释变量之间的关系。 具体来说,进一步的回归可以模拟第一回归的残差与属性条件变量之间的关系。 这些变量的可选示例是基于在相关联的物业列表中存在预定的备注,这样的列表中的照片的数量以及分类年份的变量。 回归用于确定地理区域的财产状况指数。 财产状况指数确定用于在自动估价建模中对可比性质进行调整的预测条件。

    SYSTEM AND METHOD FOR INCLUDING AND EXCLUDING SPECIFIC COMPARABLES
    3.
    发明申请
    SYSTEM AND METHOD FOR INCLUDING AND EXCLUDING SPECIFIC COMPARABLES 审中-公开
    包含和排除特定可比性的系统和方法

    公开(公告)号:US20130339094A1

    公开(公告)日:2013-12-19

    申请号:US13495604

    申请日:2012-06-13

    IPC分类号: G06Q30/02

    摘要: A system and method for automatically accessing property data corresponding to properties within the geographic area and displaying on a display device a map corresponding to said geographic area. Applying a comparable selection model based on a subject to the property data to generate a set of comparable properties, altering the set of comparable properties based on a variation command to generate an altered comparable property set, and displaying on the display device the map with the altered comparable property information.

    摘要翻译: 一种用于自动访问对应于地理区域内的属性的属性数据并在显示设备上显示与所述地理区域对应的地图的系统和方法。 将基于对象的可比选择模型应用于属性数据以生成一组可比较的属性,基于变化命令改变可比较的属性集合以生成改变的可比性属性集,并且在显示装置上显示具有 改变可比的财产信息。

    Automated valuation model with customizable neighborhood determination
    5.
    发明授权
    Automated valuation model with customizable neighborhood determination 有权
    自动估价模型,具有可自定义的邻域确定

    公开(公告)号:US08655106B2

    公开(公告)日:2014-02-18

    申请号:US13279769

    申请日:2011-10-24

    IPC分类号: G06K9/36

    摘要: Automated valuation model with customizable neighborhood determination. A map image is displayed corresponding to a geographical area, and then user input accommodates definition of a particularly defined geographic area to provide custom identification of a neighborhood to be subject to automated valuation. Once the defined geographic area is established, the automated valuation model is applied to property data corresponding to properties within the defined geographic area. A subject property and corresponding properties within the defined geographic area are then displayed on a map image, preferably with articulation of the defined geographic area as the neighborhood of interest. The neighborhood may be defined by, among other criteria, inclusion within a user-defined shape, as well as exclusion of a user-defined shape from a displayed geographic area.

    摘要翻译: 自动估价模型,具有可自定义的邻域确定。 显示对应于地理区域的地图图像,然后用户输入容纳特定定义的地理区域的定义,以提供要进行自动估价的邻域的定制标识。 一旦定义的地理区域被建立,自动化估价模型被应用于对应于定义的地理区域内的属性的属性数据。 然后将定义的地理区域内的主题属性和对应的属性显示在地图图像上,优选地将所定义的地理区域作为感兴趣的邻域。 除了其他标准之外,可以将邻域定义为用户定义的形状,以及从显示的地理区域排除用户定义的形状。

    PROPERTY APPRAISAL EVALUATION USING TRAFFIC DATA
    6.
    发明申请
    PROPERTY APPRAISAL EVALUATION USING TRAFFIC DATA 审中-公开
    使用交通数据的物业评估评估

    公开(公告)号:US20130179357A1

    公开(公告)日:2013-07-11

    申请号:US13346153

    申请日:2012-01-09

    IPC分类号: G06Q50/16

    CPC分类号: G06Q30/0206 G06Q50/163

    摘要: A valuation model accounts for traffic features associated with modeled properties, generates listings of model-chosen comparables, and evaluates property appraisals and appraisal-chosen comparables accordingly. In one embodiment, traffic features of homes are used in automated electronic appraising and in the electronic review of appraisals. It first uses GIS techniques to convert traffic features associated with a property into a numeric variable, allowing hedonic price models to measure the price impact of traffic features. This allows traffic features to be used in the automated selection of comparable properties and in the adjusting of comp prices in appraisals. It also allows automated review of appraisals to determine if they fairly accounted for the traffic dimension in the selection of comps and in making any price adjustments. In one example, the automatic valuation uses a regression that models the relationship between price and explanatory variables, with the explanatory variables including traffic feature variables.

    摘要翻译: 估价模型考虑了与建模属性相关的流量特征,生成了模型选择的可比较公司的列表,并相应地评估了物业评估和评估选择的可比较项。 在一个实施例中,家庭的交通特征被用于自动化电子评估和评估的电子审查。 它首先使用GIS技术将与属性相关联的流量特征转换为数字变量,从而允许享乐价格模型来衡量流量特征的价格影响。 这样可以将流量特征用于可比性质的自动选择和评估中的价格调整。 它还允许自动审查评估,以确定他们是否公平地考虑了选择合并中的流量维度和进行任何价格调整。 在一个示例中,自动估价使用对价格和解释变量之间的关系建模的回归,其中包括流量特征变量的解释变量。

    RANK AND DISPLAY COMPARABLES WITH USER-ALTERABLE DATA POINTS
    7.
    发明申请
    RANK AND DISPLAY COMPARABLES WITH USER-ALTERABLE DATA POINTS 审中-公开
    排列和显示与用户可更改数据点的比较

    公开(公告)号:US20130151422A1

    公开(公告)日:2013-06-13

    申请号:US13313100

    申请日:2011-12-07

    IPC分类号: G06Q50/16

    CPC分类号: G06Q50/16

    摘要: Automatically rendering a new valuation for a subject based on real-time property characteristic alterations or manipulations using a comparable selection model. A user alters one or more property characteristics for the subject and the comparable selection model determines a ranked listing of comparable properties for the subject in a given geographical area based on those alterations. The comparables are then displayed in a ranked order that reflects the alterations based on prior data point changes.

    摘要翻译: 基于使用可比选择模型的实时属性特征变更或操作,自动呈现主体的新估值。 用户改变主题的一个或多个属性特征,并且可比选择模型基于这些改变来确定给定地理区域中的对象的可比属性的排名列表。 然后,可比较的数据以排列顺序显示,该顺序反映了基于先前数据点变化的变化。

    VALUATION OF PROPERTIES BORDERING SPECIFIED GEOGRAPHIC FEATURES
    8.
    发明申请
    VALUATION OF PROPERTIES BORDERING SPECIFIED GEOGRAPHIC FEATURES 审中-公开
    对具有特定地理特征的特征进行评估

    公开(公告)号:US20120323798A1

    公开(公告)日:2012-12-20

    申请号:US13162819

    申请日:2011-06-17

    IPC分类号: G06Q50/00 G06Q30/00

    CPC分类号: G06Q30/02 G06Q50/16

    摘要: Modeling comparable properties and rendering map images with automatic valuation of properties bordering specified geographic features. A valuation model identifies and accounts for the proximity of properties to geographic features. For example, estimating property value includes accessing property data corresponding to a geographic area and performing a regression based upon the property data. The regression models the relationship between price and explanatory variables, with the explanatory variables including proximity to geographic features. Proximity may be a categorical variable wherein properties bordering the geographic feature are determined to possess the proximity characteristic. Alternative explanatory variables may incorporate different degrees of proximity.

    摘要翻译: 建模可比较的属性并渲染地图图像,并自动评估与指定的地理特征相邻的属性。 估价模型识别并考虑了属性与地理特征的接近度。 例如,估计属性值包括访问对应于地理区域的属性数据,并且基于属性数据执行回归。 回归模型对价格与解释变量之间的关系进行了模拟,其解释变量包括与地理特征的接近程度。 接近度可以是分类变量,其中确定与地理特征相邻的属性具有接近特性。 可选择的解释变量可以包含不同程度的邻近度。

    Modeling and mapping comparable properties
    10.
    发明申请
    Modeling and mapping comparable properties 审中-公开
    建模和绘制可比性

    公开(公告)号:US20120158598A1

    公开(公告)日:2012-06-21

    申请号:US12926896

    申请日:2010-12-16

    IPC分类号: G06Q50/00 G09G5/00

    CPC分类号: G06Q50/14 G06Q40/02

    摘要: Modeling and mapping appropriate comparable properties comprises accessing property data corresponding to a geographical area, and then weighting comparable properties based upon the appropriateness of each of the plurality of comparable properties as comparables for a subject property. For example, the weighting may be based upon economic distance from the subject property, geographic distance from the subject property, and age of transaction. Using this information, a map image of the geographical area is displayed, with indicators on the map image indicative of the subject property and at least one of the comparable properties.

    摘要翻译: 建模和绘制适当的可比性属性包括访问对应于地理区域的财产数据,然后基于多个可比性质中的每一个作为对象属性的可比性的适当性来对可比性进行加权。 例如,加权可以基于与主体财产的经济距离,与主体财产的地理距离以及交易年龄。 使用该信息,显示地理区域的地图图像,其中地图图像上的指示符指示主题属性和至少一个可比较的属性。