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    • 9. 发明授权
    • System and method for assessing a condition of an insured property
    • 用于评估被保险财产状况的制度和方法
    • US08306258B2
    • 2012-11-06
    • US13301281
    • 2011-11-21
    • Patrick D. Brown
    • Patrick D. Brown
    • G06K9/00
    • G06Q40/08G06K9/0063G06K2009/00644G06K2009/4657Y02A10/46Y02A10/48
    • 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.
    • 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,该图用作辐射传送计算机模型的输入。 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。