Abstract: Methods, systems, computer program products, and apparatus relating to an item inventory and item replacement are provided. In one embodiment a method for automatic processing of an insurance claim is provided. The method comprises (a) receiving one or more item indicators, each item indicator associated with an item in an insurance claim for an insured party; (b) for a particular item indicator of the one or more item indicators, automatically identifying an item listing associated with the particular item indicator from an item inventory, the item listing identified based at least in part on the particular item indicator; and (c) indicating the item listing as a replacement item for the particular item. Indicating the item listing as a replacement item for the particular item comprises adding the item listing to an electronic shopping cart.

Abstract: Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle's occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.

Abstract: A system quantifies the extent of a damaged vehicle in the absence of a specialist (appraiser) present onsite. The system enables an objective estimate of the damage, supplanting or merely supplementing psychologically biased claimant reporting. The system has hardware structures to perform imagery quantification of damage on a damaged vehicle. The damaged vehicle may be located anywhere, including at the scene of an accident, at an insured's home, at an insurer's claims offices, or at a body shop. Anyone, including the insured, with a mobile device such as a smart phone, may download onto it a mobile application that guides the user to take photographs or moving images of the damaged vehicle for the system to perform imagery quantification of damage.

Abstract: Computer program products, methods, systems, apparatus, and computing entities for providing a quote for an insurance policy are provided. In one embodiment, a method is provided comprising (a) receiving image data of a property to be insured; (b) after receiving the image data of the property to be insured, requesting external information from one or more external information sources, the external data associated with the property to be insured and comprising at least one selected from the group consisting of historical data of the property to be insured and area data of the property to be insured; (c) providing at least a portion of the external data associated with the property to be insured; and (d) providing a quote for an insurance policy for the property to be insured based at least in part on the external data.

Abstract: Pieces of software and pieces of hardware are suitable for facilitating augmented reality, which dynamically augments or enhances (images or live video of) the real world with computer-generated data (e.g., graphics of virtual objects) to facilitate insurance applications. Through the use of a mobile device (e.g., phone, tablet, and eyewear), embedded computer into body, or desktop, the augmented reality applications are engineered to allow an insurer to enhance the experiences of customers and prospects across sales, service and claims.

Abstract: A vehicle is engineered in which a piece of hardware, an in-vehicle display, is installed and through which an insured may interface with various insurance modules. The in-vehicle display presents various pieces of graphical user interface to assist the insured in operating the vehicle depending on driving exigencies and circumstances, so as to improve vehicle technologies.

Abstract: Automated claims adjustment is engineered to receive submission of two-dimensional data or three-dimensional data from a structured-light scan and other pieces of information directly via a mobile device. Upon receiving sufficient information to open a claim, automated claims adjustment and settlement processes are executed aiding and guiding a claimant. This reduces the time involved by the claimant in waiting for a claims adjuster to manually review a specific case file.

Abstract: Computer program products, methods, systems, apparatus, and computing entities are provided for determining successful practices of insurance representatives. In one embodiment, this may include identifying one or more successful insurance representatives and determining the business practices they use that are correlated to success.

Abstract: A provisioning server delivers operating systems to more than one virtual machine in different subnetworks. Since one provisioning server can be used for multiple subnetworks, this reduces the need to build, license, and support a provisioning server or a provisioning server farm for each subnetwork. This eliminates additional Infrastructure Software licensing; reduces additional effort to implement and maintain more provisioning servers; increases flexibility to add additional subnetworks; and scales a provisioning server farm to meet demand by adding servers.

Abstract: Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle's occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.

Abstract: Automated claims adjustment is engineered to receive submission of two-dimensional data or three-dimensional data from a structured-light scan and other pieces of information directly via a mobile device. Upon receiving sufficient information to open a claim, automated claims adjustment and settlement processes are executed aiding and guiding a claimant. This reduces the time involved by the claimant in waiting for a claims adjuster to manually review a specific case file.

Abstract: A system quantifies the extent of a damaged vehicle in the absence of a specialist (appraiser) present onsite. The system enables an objective estimate of the damage, supplanting or merely supplementing psychologically biased claimant reporting. The system has hardware structures to perform imagery quantification of damage on a damaged vehicle. The damaged vehicle may be located anywhere, including at the scene of an accident, at an insured's home, at an insurer's claims offices, or at a body shop. Anyone, including the insured, with a mobile device such as a smart phone, may download onto it a mobile application that guides the user to take photographs or moving images of the damaged vehicle for the system to perform imagery quantification of damage.

Abstract: Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle's occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.

Abstract: A facility for representing in a relational database informational content of the series of tag-language messages is described. The facility reads an arbitrary number of the tags contained by the series of messages. For each read tag, the facility determines a path for the tag, the name of a relational table assigned to the path, values specified for the tag and/or attributes of the tag, in the name of columns of relational tables assigned to the tag and/or tag attribute values. After doing this processing, the facility updates the relational database so that and it includes all of the assigned relational tables and a relational table columns, and populates the value specified for the tags and/or attributes of tags to the relational database.

Abstract: A facility for representing in a relational database informational content of the series of tag-language messages is described. The facility reads an arbitrary number of the tags contained by the series of messages. For each read tag, the facility determines a path for the tag, the name of a relational table assigned to the path, values specified for the tag and/or attributes of the tag, in the name of columns of relational tables assigned to the tag and/or tag attribute values. After doing this processing, the facility updates the relational database so that and it includes all of the assigned relational tables and a relational table columns, and populates the value specified for the tags and/or attributes of tags to the relational database.

Abstract: A method, computer program product and system are provided for underwriting an insurance product such as a business owners policy by establishing a prepackaged policy having predetermined coverages, predetermined limits, and a fixed price, screening a potential customer for eligibility, and issuing the policy. The process may omit application of underwriting models to provide risk profiles and a premium based on a customer's individual data. The screening process may include comparing information from a customer to characteristics of a category of customers eligible for the insurance product, and verifying the information provided by the customer using internal carrier and external sources.

Abstract: An apparatus for detecting myoelectric activity from the surface of the skin has an electrode pair, processing circuitry, and up to three output leads. The signals detected at the electrode contacts are differentiated, amplified, and then filtered. The filtered signals are provided as a first input signal to a switch and a ground signal is provided as a second input signal to the switch. The amplified, unfiltered signals are tested against a preset threshold. If the signals exceed the threshold, the signals are considered to have significant amounts of noise. In this case, a comparator causes the switch to provide the ground signal as the output signal. Otherwise, the switch provides the filtered signals as the output signal. One output line provides the amplified, unfiltered signals for testing and analysis. The apparatus can be used as part of a prosthetic device, or can be used for testing with a plurality of electrode pairs.

Abstract: A pneumatic or hydraulic pressure sensor is connected in parallel with the vehicle braking system and the sensor is connected to a computer system which periodically samples the sensor output. Other sensors can be used to detect other quantities such as engine speed, vehicle speed, wheel rotation or transmission speed, and other brake units and their outputs can also be periodically sampled. Under control of the computer, the samples are stored on a magnetic disk. The computer can then be instructed to interrogate the samples stored on the disk to produce charts of various quantities versus time which objectively indicate driver performance. The device can also be used to synchronize individual brake units in a multiple brake vehicle by simultaneously displaying the brake pressures in each brake unit, thereby enabling the relative application timing of the brake units to be measured.

Abstract: A system and a method for obtaining improved quality electrical signals generated anatomically. Included in the system are primary terminals suitable for implantation so as to pick up an anatomically generated primary signal comprising both a desired component derived from a primary tissue source and a noise component derived from an auxiliary tissue source directly adjacent to the primary source. Also included are auxiliary terminals suitable for implantation directly adjacent to the primary terminals so as to pick up an anatomically generated auxiliary signal derived from the auxiliary signal source. Electrical leads connect the primary and auxiliary terminals and an output circuit having a processor for differentially combining the primary and auxiliary signals. By obtaining and then differentially combining both the primary and auxiliary signals there is obtained a high quality output signal corresponding to the desired component of the primary signal.

Abstract: A device for anatomic implantation to provide electrical interface to nerves. Included in the device are a pair of electrical leads secured to a coupling formed from a piece of woven sheet material, and having ends connected to spaced apart input terminals disposed adjacent to an inner surface of the coupling. Connected to the opposite ends of the leads are output terminals for interfacing to electrical recording or measuring instruments. The input terminals receive desired nerve signals while other unwanted anatomic signals are rejected by an insulative case that covers the woven coupling.