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1. 发明公开

CN107833141A 基于北斗导航的无人机测定山药田水灾的保险理赔系统无效
公开(公告)号：CN107833141A
公开(公告)日：2018-03-23
申请号：CN201711208294.7
申请日：2017-11-27
申请人：无锡同春新能源科技有限公司
发明人：林华
IPC分类号： G06Q40/08 , G06Q50/02 , G06T7/00 , G06T7/62 , G01S19/46
CPC分类号： Y02A10/46 , Y02A10/48 , G06Q40/08 , G01S19/46 , G06Q50/02 , G06T7/0002 , G06T7/62 , G06T2207/10032 , G06T2207/30188
摘要：本发明涉及基于北斗导航的无人机测定山药田水灾的保险理赔系统，属于保险理赔新技术领域。在高空中运行的北斗卫星通过无线电波与在山药田上方的低空中巡航的无人机的机载移动式基准站、设置在山药田右旁的固定式基准站和设置在山药田左旁的固定式基准站互通信息。采用低空基准站和地面基准站结合的增强技术，使保险公司用户终端能够精准测定山药田淹水区域的面积，结合无人机的光电吊舱内的摄像机摄录的山药遭受水灾的图像信息，无人机通过无线电波将山药淹水信息提供给保险公司进行审核，按照农民投保山药水灾的农业保险合同，根据山药田里的淹水面积和山药遭受损失的程度，由电子计算机乙计算出理赔金额，通知投保人到保险公司领取理赔款。

2. 发明公开

CN106651381A 基于安全验证的移动终端操作方法和系统无效
公开(公告)号：CN106651381A
公开(公告)日：2017-05-10
申请号：CN201611267495.X
申请日：2016-12-31
申请人：深圳有麦科技有限公司
发明人：郑强
IPC分类号： G06Q20/40 , G06Q40/08 , G06Q40/04 , H04L29/06
CPC分类号： G06Q20/4014 , G06Q40/04 , G06Q40/08 , H04L63/0876 , Y02A10/46 , Y02A10/48
摘要：本发明涉及基于安全验证的移动终端操作方法和系统，该方法包括服务器获取用户拨号进行业务操作的内容；对用户的信息进行安全验证，判断用户的信息是否属实；若用户的信息属实，则进行对应业务操作；若用户的信息不属实，则不属实情况处理。本发明通过在拨号进行业务操作时，用户利用移动终端进行业务操作，对用户的信息进行安全验证，并根据验证的结果进行对应的操作，实现结合业务信息的安全验证，通过安全验证则可以进入到业务办理操作，避免形成漏洞，减少虚假信息的泛滥以及降低违法事情的发生概率。

3. 发明公开

EP3166050A1 SYSTEMS FOR EVALUATING EXPOSURE TO INSURANCE POLICIES CAUSED BY CATASTROPHIC EVENTS 审中-公开
标题翻译：用于评估灾难事件引发的保险政策暴露的系统
公开(公告)号：EP3166050A1
公开(公告)日：2017-05-10
申请号：EP15192858.7
申请日：2015-11-04
申请人： Validus Services (Bermuda) Ltd
发明人： Ritz, Jonathan
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q40/08 , Y02A10/46 , Y02A10/48
摘要： A computing device programmed to receive and use event data, such as hurricane, earthquake, fire, flood, and storm event data, and map that data to computer display map along with insured data related to an insurance portfolio that can also be mapped by geographic area and value, so that a user can quickly determine the exposure to a portfolio from an event. The event can be either a real-time event or a historical event.
摘要翻译：计算设备被编程为接收和使用诸如飓风，地震，火灾，洪水和风暴事件数据之类的事件数据，并且将该数据与关于保险投资组合的保险数据一起映射到计算机显示地图，保险投资组合也可以按照地理面积和价值，以便用户可以快速确定事件的投资组合风险。该事件可以是实时事件或历史事件。

4. 发明申请

US20160063635A1 System, Method, and Apparatus for Flood Risk Analysis 审中-公开
标题翻译：洪水风险分析的系统，方法和装置
公开(公告)号：US20160063635A1
公开(公告)日：2016-03-03
申请号：US14215966
申请日：2014-03-17
申请人： Emmett Collazo , Thomas Little , Winfield Scott Anderson, JR.
发明人： Emmett Collazo , Thomas Little , Winfield Scott Anderson, JR.
IPC分类号： G06Q40/08 , H04N5/225 , G06K9/00 , G06T7/00 , G06Q50/08 , G06F17/30
CPC分类号： G06Q40/08 , G06Q50/08 , Y02A10/46 , Y02A10/48
摘要： A method, system, apparatus and computer readable storage medium is provided for taking information related to a specific real property structure, including customer information; information regarding uses of real property (residential, industrial, commercial, living spaces, crawl spaces, etc.); elevation, slope, and grade information; base flood elevation data; flood depth; use of flood mitigation devices (e.g., breakaway walls, flood vents); survey information; the use of design professionals in mitigation of risk; and other matters; and using this information to identify means of reducing risk, including use of, or repositioning of, flood mitigation devices; reinforcement of structures, use of design professionals, and other matters, in order to assess and mitigate risk.The invention also relates to means for quantifying and reducing excess risk coverage premiums for homes not covered by National Flood Insurance Program flood plain insurance, or for excess insurance coverage over minimum required insurance amounts.
摘要翻译：提供了一种方法，系统，装置和计算机可读存储介质，用于获取与特定不动产结构相关的信息，包括客户信息; 关于不动产（住宅，工业，商业，生活空间，爬行空间等）使用的信息; 海拔，坡度和坡度信息; 基地洪水高程数据; 洪水深度; 使用防洪设备（例如，隔离墙，洪水通风口）; 调查资料; 使用设计专家来减轻风险; 等事宜; 并使用这些信息来确定减少风险的方法，包括使用或重新定位防洪装置; 加强结构，使用设计人员以及其他事宜，以评估和减轻风险。本发明还涉及用于量化和减少国家洪水保险计划泛滥保险未涵盖的住房的超额风险保险费用的手段，或超过最低所需保险金额的超额保险。

5. 发明申请

US20160055595A1 SYSTEMS AND METHOD FOR QUANTIFYING FLOOD RISK 审中-公开
标题翻译：用于量化风险的系统和方法
公开(公告)号：US20160055595A1
公开(公告)日：2016-02-25
申请号：US14932134
申请日：2015-11-04
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 , G06Q50/16
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。

6. 发明授权

US09213994B2 Systems and methods for quantifying flood risk 有权
标题翻译：用于量化洪水风险的系统和方法
公开(公告)号：US09213994B2
公开(公告)日：2015-12-15
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： G01V3/38 , G06Q40/08 , G06Q90/00 , 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。

7. 发明申请

WO2008057258A3 INDEX AND RISK-LINKED REINSURANCE PRODUCT 审中-公开
标题翻译：指数和风险联动再保险产品
公开(公告)号：WO2008057258A3
公开(公告)日：2008-07-10
申请号：PCT/US2007022662
申请日：2007-10-26
申请人： HARTFORD FIRE INSURANCE COMP
IPC分类号： G06Q40/00
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：公开了一种新型保险产品，其提供额外的再保险保障以减轻与对财产和意外伤害保险率产生不利影响的灾难性事件相关的风险。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（例如地震，飓风或洪水）有关的覆盖范围。

8. 发明专利

JP2011086007A Device and method for predicting occurrence of insured cause based on disaster 有权
标题翻译：基于灾害预测原因的手段和方法
公开(公告)号：JP2011086007A
公开(公告)日：2011-04-28
申请号：JP2009236576
申请日：2009-10-13
申请人： Nomura Research Institute Ltd , 株式会社野村総合研究所
发明人： MARUTA TETSUYA , NOZAKI HIROYUKI
IPC分类号： G06Q10/04 , G06Q40/00 , G06Q40/04 , G06Q40/08 , G06Q50/00
CPC分类号： Y02A10/46 , Y02A10/48
摘要： PROBLEM TO BE SOLVED: To provide a technique for allowing an insurance company to have an active understanding based on a damage prediction and to predict the occurrence of an insured cause based on a disaster. SOLUTION: A device for predicting the occurrence of an insured cause based on the disaster includes: damage predicting means (a water level predicting part 11 and an earthquake analyzing part 21) for receiving an input of event data concerning the event causing the disaster and predicting the degree of damage caused by a natural phenomenon by each section; an insurance contract data storage part 30 for storing insurance contract data concerning insurance contracts by each insurance company, including the residences of insured persons; damage degree predicting means (a flood disaster damage degree predicting part 13 and an earthquake damage degree predicting part 23) for predicting a damage degree by each insured person, based on the degree of damage by each residence of the insured person and by each predicted section; and compensation object contract extracting parts 15, 25 for extracting the insurance contracts regarding the insured persons whose predicted damage degrees by each insured person are equal to or more than the prescribed degree. A network interface part 40 announces the extracted insurance contracts to terminals 3, 3, ..., by each insurance company in the insurance companies concerning the insurance contracts. COPYRIGHT: (C)2011,JPO&INPIT
摘要翻译：要解决的问题：提供一种允许保险公司基于损害预测积极理解并根据灾难预测保险事故发生的技术。解决方案：一种用于根据灾害预测保险事故发生的装置，包括：损坏预测手段（水位预测部分11和地震分析部分21），用于接收关于事件引起的事件的事件数据的输入预测各部门自然现象造成的损害程度; 保险合同数据存储部分30，用于存储每个保险公司关于保险合同的保险合同数据，包括被保险人的住所; 根据被保险人的每个住所的损坏程度和每个预测部分的损伤程度预测手段（预测部件13和地震损伤程度预测部件23），用于预测每个被保险人的损伤程度 ; 以及用于提取与被保险人的预测伤害程度等于或大于规定等级的被保险人的保险合同的补偿对象合同提取部分15,25。网络接口部分40向保险公司中关于保险合同的每个保险公司向终端3，3，...提供的提取的保险合同。版权所有（C）2011，JPO＆INPIT

9. 发明申请

WO2015036307A1 CATASTROPHE INSURANCE PRODUCT DESIGN AND SERVICING SYSTEMS 审中-公开
标题翻译： CATASTROPHE保险产品设计和维修系统
公开(公告)号：WO2015036307A1
公开(公告)日：2015-03-19
申请号：PCT/EP2014/068794
申请日：2014-09-04
申请人： EUROPA REINSURANCE MANAGEMENT LTD.
发明人： GURENKO, Eugene , BAZZURRO, Paolo
IPC分类号： G06Q10/10 , G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/10 , Y02A10/48
摘要： Technology-implemented systems and methods for the application of a damage- scale method in the design, issuance, management, and claim servicing of a catastrophe insurance policy are disclosed herein. In some examples, defined catastrophe insurance policies are issued to insure property from wide-scale natural catastrophic events such as floods, earthquakes, and the like natural disasters. The defined catastrophe insurance policies include specific damage-scale method clauses defined in the terms and conditions of the insurance policy, with use of the damage-scale method to evaluate and manage insurance claims arising from insurance coverage of property damage caused by the catastrophic events. For example, a damage-scale application may include contractually defining and linking predefined insurance indemnification payouts to specific states of property damage (rather than property replacement or repair cost estimates provided by insurance loss adjusters). Resulting insured property damage may be determined through the application of damage scale based computational algorithms and supporting claims management systems and technologies.
摘要翻译：本文中披露了在灾难性保险政策的设计，发放，管理和索赔服务中应用破坏规模的技术实施的系统和方法。在一些例子中，确定了灾难性保险政策，以确保财产免受洪灾，地震等自然灾害等大面积自然灾害事件的危害。定义的灾难性保险政策包括保险单条款和条件中规定的具体的损害规模方法条款，利用损害规模的方法来评估和管理由灾难性事件造成的财产损失的保险范围。例如，损害规模的应用程序可能包括合同定义并将预定义的保险赔偿支付连接到特定的财产损失状态（而不是由保险损失调整员提供的财产更换或维修费用估算）。所产生的保险财产损失可以通过应用基于损伤量表的计算算法和支持索赔管理系统和技术来确定。

10. 发明申请

WO2009086559A1 WATER ALTERATION STRUCTURE AND SYSTEM 审中-公开
标题翻译：水改变结构与系统
公开(公告)号：WO2009086559A1
公开(公告)日：2009-07-09
申请号：PCT/US2009/000005
申请日：2009-01-02
申请人： SEARETE LLC , BOWERS, Jeffrey, A. , CALDEIRA, Kenneth, G. , CHAN, Alistair, K. , GATES, William, III , HYDE, Roderick, A. , ISHIKAWA, Muriel, Y. , KARE, Jordin, T. , LATHAM, John , MYHRVOLD, Nathan, P. , SALTER, Stephen, H. , TEGREENE, Clarence, T. , WATTENBURG, Willard, H. , WOOD, Lowell, L., Jr. , WOOD, Victoria, Y.H.
发明人： BOWERS, Jeffrey, A. , CALDEIRA, Kenneth, G. , CHAN, Alistair, K. , GATES, William, III , HYDE, Roderick, A. , ISHIKAWA, Muriel, Y. , KARE, Jordin, T. , LATHAM, John , MYHRVOLD, Nathan, P. , SALTER, Stephen, H. , TEGREENE, Clarence, T. , WATTENBURG, Willard, H. , WOOD, Lowell, L., Jr. , WOOD, Victoria, Y.H.
IPC分类号： A01G15/00
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 system is described generally for providing a structure or structures for altering water surface temperature. The system includes a holding vessel configured to hold water. The holding vessel has at least one wall coupled to a lowermost portion. The at least one wall extends above the water level and the lowermost portion is configured to be submerged. At least one conduit extends from the lower side of the holding vessel. The at least one conduit has a length extending to a depth at which a property of water at the depth is substantially different from that of the water at the surface.
摘要翻译：通常描述一种用于提供用于改变水表面温度的结构或结构的系统。该系统包括构造成保持水的保持容器。保持容器具有联接到最下部分的至少一个壁。所述至少一个壁在水平面上方延伸，并且最下部被构造成被浸没。至少一个导管从保持容器的下侧延伸。所述至少一个管道具有延伸到所述深度处的水的性质与所述表面处的水的性质基本上不同的深度的长度。

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