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31. 发明申请

US20150073834A1 DAMAGE-SCALE CATASTROPHE INSURANCE PRODUCT DESIGN AND SERVICING SYSTEMS 审中-公开
标题翻译：损害范围保护产品设计和维修系统
公开(公告)号：US20150073834A1
公开(公告)日：2015-03-12
申请号：US14022909
申请日：2013-09-10
申请人： Europa Reinsurance Management Ltd.
发明人： Eugene Gurenko , Paolo Bazzurro
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/10 , Y02A10/48
摘要： Technology-implemented systems and methods for use of a damage-scale method in the design, issuance, management, and claim servicing of a catastrophe insurance policy are disclosed. A catastrophe insurance policy is issued to insure property from wide-scale natural catastrophic events such as floods, earthquakes, and the like natural disasters. The catastrophe insurance policy includes specific damage-scale method clauses defined in the terms and conditions of the insurance policy that require use of a damage-scale method to evaluate and manage insurance claims for property damage. For example, a catastrophe insurance policy application is defined to include contractually defined insurance indemnification payouts that are tied to specific states of property damage (rather than property replacement or repair cost estimates provided by insurance loss adjustors). The insured property damage payout is determined through the application of damage-scale based computational algorithms and supporting claims management systems and technologies.
摘要翻译：披露了在灾难性保险政策的设计，发行，管理和索赔服务中使用破坏规模方法的技术实施系统和方法。颁发灾难性保险，以保障财产免遭洪灾，地震等自然灾害等自然灾害事件的自然灾害。灾难性保险包括在保险单的条款和条件中规定的特定损害规模方法条款，要求使用损害量表的方法来评估和管理财产损失的保险索赔。例如，灾难性保险申请被定义为包括与特定财产损失状态相关的合同定义的保险赔偿支出（而不是由保险损失调整者提供的财产更换或维修成本估算）。被保险财产损失赔偿是通过应用基于损伤尺度的计算算法和支持索赔管理系统和技术来确定的。

32. 发明申请

US20140304007A1 SYSTEMS AND METHODS FOR ACCOUNT-LEVEL FLOOD RISK ASSESSMENT 审中-公开
标题翻译：用于水位风险评估的系统和方法
公开(公告)号：US20140304007A1
公开(公告)日：2014-10-09
申请号：US13857981
申请日：2013-04-05
申请人： THE TRAVELERS INDEMNITY COMPANY
发明人： Michael Kimball , James B. Coyle , Jonathan P. Stein
IPC分类号： G06Q40/08 , G06Q10/06
CPC分类号： G06Q40/08 , Y02A10/46 , Y02A10/48
摘要： Systems, apparatus, interfaces, methods, and articles of manufacture that provide for account-level flood risk assessment.
摘要翻译：提供帐户级洪水风险评估的系统，设备，接口，方法和制造。

33. 发明申请

US20140278561A1 COMPUTERIZED SYSTEM AND METHOD FOR DETERMINING FLOOD RISK 审中-公开
标题翻译：计算机系统及确定风险的方法
公开(公告)号：US20140278561A1
公开(公告)日：2014-09-18
申请号：US13804505
申请日：2013-03-14
申请人： Stoneriver National Flood Services, Inc.
发明人： Greg Knuffke
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , Y02A10/46 , Y02A10/48
摘要： The present invention is a system for communicating the flood risk of a property to a user comprising a computer network, a first computerized device for displaying flood risk information in electronic communication with a computer network, a first database connected to said network, where said first database contains flood zone information arranged by geographic coordinates, a second database connected to said network, where said second database contains terrain elevation data arranged by geographic coordinates, a third database connected to said network, where said third database contains rainfall data arranged by geographic coordinates, a fourth database connected to said network, where said fourth database contains a record of prior flooding arranged by geographic coordinates, a fifth database connected to said network, where said fifth database contains a record of losses arranged by geographic coordinates, and a second computerized device connected to said network which calculates flood risk information for geographic location using an algorithm to process database information contained in said databases.
摘要翻译：本发明是一种用于将属性的洪水风险传达给包括计算机网络的用户的系统，用于显示与计算机网络的电子通信中的洪水风险信息的第一计算机化设备，连接到所述网络的第一数据库，其中所述第一数据库包含由地理坐标排列的洪水区信息，连接到所述网络的第二数据库，其中所述第二数据库包含由地理坐标排列的地形高程数据，连接到所述网络的第三数据库，其中所述第三数据库包含由地理坐标排列的降雨数据，连接到所述网络的第四数据库，其中所述第四数据库包含由地理坐标排列的先前洪水记录，连接到所述网络的第五数据库，其中所述第五数据库包含由地理坐标排列的损失记录，以及第二计算机化连接到所述网络的设备进行计算使用算法来处理包含在所述数据库中的数据库信息的地理位置的洪水风险信息。

34. 发明申请

US20140229420A1 SYSTEMS AND METHODS FOR QUANTIFYING FLOOD RISK 有权
标题翻译：用于量化风险的系统和方法
公开(公告)号：US20140229420A1
公开(公告)日：2014-08-14
申请号：US14179018
申请日：2014-02-12
申请人： CORELOGIC SOLUTIONS, LLC
发明人： Mark Charles GREEN , Lee Jason Sears , Wei Du , Jeff C. Himmelright , Kevin Eugene Madden
IPC分类号： G06Q40/08 , G06N5/04
CPC分类号： G06Q40/08 , G06N5/048 , G06Q50/16 , G06Q90/00 , Y02A10/46 , Y02A10/48
摘要： In various embodiments, a flood risk score may be determined for a property point that provides a comprehensive assessment of the property point's risk of flooding. Determining the flood risk score may include determining a flood risk characteristic for the property point and assigning a flood risk score that corresponds to the flood risk characteristic. In some embodiments, flood risk characteristics may include a difference in elevation between the elevation of the property point and an elevation of a calculated point (e.g., on a known flood risk zone boundary). Flood risk characteristics may also include a flood zone determination for the property point and/or proximity of the property point to a known flood risk zone boundary or a flood source. In some embodiments, flood risk scores may be provided on flood risk score reports.
摘要翻译：在各种实施例中，可以为提供对特征点的洪水风险的综合评估的属性点确定洪水风险评分。确定洪水风险评分可能包括确定物业点的洪水风险特征，并分配与洪水风险特征相对应的洪水风险评分。在一些实施例中，洪水风险特征可以包括属性点的升高与计算点的高程之间的高度差（例如，在已知的洪水风险区域边界上）。洪水风险特征还可包括洪水区确定物业点和/或属性点与已知洪水风险区域边界或洪水源的接近度。在一些实施例中，可以在洪水风险评分报告上提供洪水风险评分。

35. 发明授权

US08805704B2 Index and risk-linked reinsurance product 有权
标题翻译：指数和风险相关的再保险产品
公开(公告)号：US08805704B2
公开(公告)日：2014-08-12
申请号：US11977897
申请日：2007-10-25
申请人： Christopher M. Lewis , Richard L. Alleyne
发明人： Christopher M. Lewis , Richard L. Alleyne
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/0635 , G06Q40/04 , Y02A10/46 , Y02A10/48
摘要： Disclosed is a novel insurance product that provides additional reinsurance coverage to mitigate risks associated with catastrophic events which adversely affect property and casualty insurance rates. The reinsurance product contains one or more tiers of protection which allows a purchaser to vary the coverage related to one or more catastrophic events, such as an earthquake, a hurricane, or a flood.
摘要翻译：披露一种新颖的保险产品，提供额外的再保险覆盖，以减轻与灾难性事件相关的风险，这些风险对财产和伤亡险率造成不利影响。再保险产品包含一个或多个保护层，允许购买者改变与一个或多个灾难性事件相关的覆盖范围，例如地震，飓风或洪水。

36. 发明授权

US08649567B1 Displaying a flood change map with change designators 有权
标题翻译：用变更指示符显示洪水变化图
公开(公告)号：US08649567B1
公开(公告)日：2014-02-11
申请号：US11601575
申请日：2006-11-17
申请人： David R. Maltby, II
发明人： David R. Maltby, II
IPC分类号： G06K9/00 , G06K9/34
CPC分类号： G06Q40/08 , G06Q40/025 , G06Q50/16 , G06T17/05 , Y02A10/46 , Y02A10/48
摘要： In various embodiments, old flood maps may be compared to new flood maps to determine which areas of the flood map have changed. These changed areas may be correlated against geographic area descriptions that are within changed areas of the flood map. The changed areas may also be analyzed to determine whether each area has had a change in status (e.g., from a high risk flood zone to a non-high risk flood zone or vice versa) or a change in zone within a status (e.g., from one flood zone to another flood zone). The information on type of change (or no change) may be used to populate a database that includes geographic area description identifiers. In some embodiments, detection of certain types of changes may initiate a manual comparison of the old and new flood maps to verify the change.
摘要翻译：在各种实施例中，可以将旧的洪水图与新的洪水地图进行比较，以确定洪水地图的哪些区域已经改变。这些变化的区域可能与洪水图变化区域内的地理区域描述相关。还可以对变化的区域进行分析，以确定每个区域是否已经发生了状态变化（例如，从高风险洪水区到非高风险洪水区，或反之亦然）或状态变化（例如，从一个洪水区到另一个洪水区）。可以使用关于变化类型（或不改变）的信息来填充包括地理区域描述标识符的数据库。在一些实施例中，某些类型的变化的检测可以启动旧的和新的洪水图的手动比较以验证变化。

37. 发明授权

US08077927B1 Updating a database with determined change identifiers 有权
标题翻译：使用确定的更改标识符更新数据库
公开(公告)号：US08077927B1
公开(公告)日：2011-12-13
申请号：US11601448
申请日：2006-11-17
申请人： David R. Maltby, II
发明人： David R. Maltby, II
IPC分类号： G06K9/00 , G06Q40/00 , G01V7/00 , G01V3/38
CPC分类号： G06Q10/00 , G06F17/30241 , G06K9/00476 , G06K9/00483 , G06Q40/08 , Y02A10/46 , Y02A10/48
摘要： In various embodiments, old flood maps may be compared to new flood maps to determine which areas of the flood map have changed. These changed areas may be correlated against geographic area descriptions that are within changed areas of the flood map. The changed areas may also be analyzed to determine whether each area has had a change in status (e.g., from a high risk flood zone to a non-high risk flood zone or vice versa) or a change in zone within a status (e.g., from one flood zone to another flood zone). The information on type of change (or no change) may be used to populate a database that includes geographic area description identifiers. In some embodiments, detection of certain types of changes may initiate a manual comparison of the old and new flood maps to verify the change.
摘要翻译：在各种实施例中，可以将旧的洪水图与新的洪水地图进行比较，以确定洪水地图的哪些区域已经改变。这些变化的区域可能与洪水图变化区域内的地理区域描述相关。还可以对变化的区域进行分析，以确定每个区域是否已经发生了状态变化（例如，从高风险洪水区到非高风险洪水区，或反之亦然）或状态变化（例如，从一个洪水区到另一个洪水区）。可以使用关于变化类型（或不改变）的信息来填充包括地理区域描述标识符的数据库。在一些实施例中，某些类型的变化的检测可以启动旧的和新的洪水图的手动比较以验证变化。

38. 发明授权

US07899741B2 Loss impact tracking system and method 有权
标题翻译：损失跟踪系统和方法
公开(公告)号：US07899741B2
公开(公告)日：2011-03-01
申请号：US11727884
申请日：2007-03-28
申请人： Craig Hooley , Honey Kalla , Hari Vivek , Paul Lindemann , Esteban C. Vivanco
发明人： Craig Hooley , Honey Kalla , Hari Vivek , Paul Lindemann , Esteban C. Vivanco
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/025 , Y02A10/46 , Y02A10/48
摘要： Methods and systems for assisting analysis of potential gain or loss associated with acquiring property, and analysis of data related to disaster (such as due to flood, fire, etc.) affected properties with delinquent payments to determine the appropriate equity decision regarding a foreclosure action on one or more liens associated with the property. Loans and information associated therewith are assigned to one of the status queues that include a queue for loans eligible for review, a queue for loans reviewed based on the analysis, a queue for loans having a certain risk factor associated therewith, a queue for loans designated for foreclosure, a queue for loans having a certain lien position associated therewith, a queue for loans designated for bid-at-sale, and a queue for loans designated for disposition without any further action by the lender. Multiple liens associated with a subject property can be displayed and analyzed to facilitate assessment of the loan and recommendations for disposition thereof. Insurance payment information for disaster-affected underlying properties is displayed and can be taken into account when assessing the loan and formulating recommendations for disposition thereof.
摘要翻译：协助分析与获得财产相关的潜在收益或损失的方法和系统，以及与灾害有关的数据（如洪水，火灾等）的分析影响了拖欠款项的财产，以确定关于止赎行为的适当的股权决定在一个或多个与该财产相关联的留置权。贷款和相关信息被分配到一个状态队列中，其中包括用于有资格进行审查的贷款的队列，用于基于分析审查的贷款的队列，具有与之相关的特定风险因素的贷款的队列，指定的贷款的队列为了取消止赎权，排放与其相关的一定留置权的贷款，指定用于买卖的贷款的排队，以及指定用于处置的贷款的排队，而没有贷款人进一步的行动。可以显示和分析与主题财产相关的多个留置权，以便于评估贷款和处理建议。显示灾害影响的基础物业的保险支付信息，在评估贷款和制定其处置建议时可以考虑。

39. 发明申请

US20090279734A1 SYSTEM AND METHOD FOR ASSESSING A CONDITION OF PROPERTY 有权
标题翻译：用于评估物业条件的系统和方法
公开(公告)号：US20090279734A1
公开(公告)日：2009-11-12
申请号：US12117867
申请日：2008-05-09
申请人： Patrick D. Brown
发明人： Patrick D. Brown
IPC分类号： G06K9/00 , G06Q40/00
CPC分类号： G06Q40/08 , G06K9/0063 , G06K2009/00644 , G06K2009/4657 , Y02A10/46 , Y02A10/48
摘要： A system and method for assessing a condition of property for insurance purposes includes a sensor for acquiring a spectral image. In a preferred embodiment, the spectral image is post-processed to generate at least one spectral radiance plot, the plot used as input to a radiative transfer computer model. The output of the model establishes a spectral signature for the property. Over a period of time, spectral signatures can be compared to generate a spectral difference, the difference attributed to a change in the condition of the property, such as a fire or flood. In response to the change, an insurance company initiates an insurance-related action such as processing a claim.
摘要翻译：用于评估用于保险目的的财产状况的系统和方法包括用于获取光谱图像的传感器。在优选实施例中，对光谱图像进行后处理以产生至少一个光谱辐射图，该图用作辐射传输计算机模型的输入。模型的输出建立属性的光谱签名。在一段时间内，可以比较光谱特征以产生光谱差异，这归因于属性状况的变化，如火灾或洪水。为了应对这一变化，保险公司发起与保险有关的诉讼，如处理索赔。

40. 发明申请

US20090173386A1 Water alteration structure applications and methods 有权
标题翻译：改水结构的应用和方法
公开(公告)号：US20090173386A1
公开(公告)日：2009-07-09
申请号：US12006805
申请日：2008-01-03
申请人： Jeffrey A. Bowers , Kenneth G. Caldeira , Alistair K. Chan , William H. Gates, III , Roderick A. Hyde , Muriel Y. Ishikawa , Jordin T. Kare , John Latham , Nathan P. Myhrvold , Stephen H. Salter , Clarence T. Tegreene , Williard H. Wattenburg , Lowell L. Wood, JR.
发明人： Jeffrey A. Bowers , Kenneth G. Caldeira , Alistair K. Chan , William H. Gates, III , Roderick A. Hyde , Muriel Y. Ishikawa , Jordin T. Kare , John Latham , Nathan P. Myhrvold , Stephen H. Salter , Clarence T. Tegreene , Williard H. Wattenburg , Lowell L. Wood, JR.
IPC分类号： F03B11/00 , F17D1/00
CPC分类号： A01G15/00 , B63B35/00 , E02B1/003 , G06Q40/00 , G06Q40/08 , Y02A10/48 , Y02E10/28 , Y02E10/38 , Y10T137/0318 , Y10T137/8593
摘要： A method is generally described which includes environmental alteration. The method includes determining a placement of at least one vessel capable of moving water to lower depths in the water via wave induced downwelling. The method also includes placing the at least one vessel in the determined placement. Further, the method includes generating movement of the water adjacent the surface of the water in response to the placing.
摘要翻译：通常描述包括环境变化的方法。该方法包括确定至少一个容器能够通过波浪下降流将水移动到水中的较低深度的位置。所述方法还包括将所述至少一个容器放置在所确定的放置中。此外，该方法包括响应于放置而产生邻近水表面的水的运动。

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