Abstract: A property analyzer device may include (1) a receiver configured to receive property identification information from a mobile device, the received property identification information including a picture of the property and/or a property location; (2) a retriever configured to retrieve property-related information from multiple property sources (such as public record databases, websites, or an internal company database) based upon the received property identification information; (3) a processor configured to consolidate the retrieved property-related information into a consolidated property-related image of the property; and (4) a transmitter configured to transmit the consolidated property-related image to the mobile device for review by a user.

Abstract: A property analyzer device may include (1) a receiver configured to receive property identification information from a mobile device, the received property identification information including a picture of the property and/or a property location; (2) a retriever configured to retrieve property-related information from multiple property sources (such as public record databases, websites, or an internal company database) based upon the received property identification information; (3) a processor configured to consolidate the retrieved property-related information into a consolidated property-related image of the property; and (4) a transmitter configured to transmit the consolidated property-related image to the mobile device for review by a user.

Abstract: A system for enhanced personal property replacement (i) builds a virtual inventory of personal belongings, such as by performing object recognition techniques on mobile device digital images with the customer's permission or affirmative consent; (ii) receives user preferences transmitted from their mobile device; (iii) receives a request from the user to handle an insurance claim after an insurance-related event; (iv) determines items to purchase for the user based upon the user preferences, and/or the extent of damage; and/or (v) transmits, to a retailer remote server a virtual order for the items to be delivered to the user at a temporary (hotel) or permanent (home) address. Insurance claim monies may be used to pay for the items. As a result, after an event (e.g., fire, tornado, hurricane), household or other goods may be automatically purchased and delivered to a customer to alleviate the negative impact of the event on their life.

Abstract: A computer system for enhanced personal property replacement may be provided. The computer system may include at least one processor in communication with at least one memory device. The at least one processor may programmed to receive a plurality of user preferences transmitted from a user computer device associated with a user, receive a request from the user to cover a claim, determine a first plurality of items for the user based upon the claim and the plurality of user preferences, and/or transmit, to a retailer computer device associated with a retailer, an order for the determined first plurality of items with the retailer to be delivered to the user at an address associated with the user.

Abstract: A property analyzer device may include (1) a receiver configured to receive property identification information from a mobile device, the received property identification information including a picture of the property and/or a property location; (2) a retriever configured to retrieve property-related information from multiple property sources (such as public record databases, websites, or an internal company database) based upon the received property identification information; (3) a processor configured to consolidate the retrieved property-related information into a consolidated property-related image of the property; and (4) a transmitter configured to transmit the consolidated property-related image to the mobile device for review by a user.

Abstract: An augmented reality (AR) system for generating and displaying a pre-disaster Enhanced Situation Visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image and/or GPS location of a property. The ESV computing device may determine the subject of the image is the property, retrieve reference information including peril maps associated with the property from the reference database, and determine situation information specific to the subject. The reference and situation information including a loss estimate may be displayed on the user computing device to provide an ESV of the property. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating an insurance policy, premium, and/or discount, and/or generating insurance-related recommendations.

Abstract: An augmented reality (AR) system for generating and displaying an enhanced situation visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image representative of a current view of a user. The ESV computing device may determine a subject of the image, retrieve reference information associated with the subject from the reference database, and determine situation information specific to the subject. The reference and situation information may be displayed on the user computing device to provide an ESV of the subject. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating homeowner's insurance claims, and/or for instructional guidance.

Abstract: An augmented reality (AR) system for generating and displaying a pre-disaster Enhanced Situation Visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image and/or GPS location of a property. The ESV computing device may determine the subject of the image is the property, retrieve reference information including peril maps associated with the property from the reference database, and determine situation information specific to the subject. The reference and situation information including a loss estimate may be displayed on the user computing device to provide an ESV of the property. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating an insurance policy, premium, and/or discount, and/or generating insurance-related recommendations.

Abstract: A computer-implemented method for navigating an automated process using audio and tactile feedback is presented. The method includes capturing conversational audio originating from a client computing device and extracting data elements from the conversational audio. The method include matching the extracted data elements to a set of predefined data categories and determining one or more remaining data categories from the set of predefined data categories to satisfy the requirements of a transaction type. The method further includes determining a next best question addressing at least one of the remaining data categories. In one embodiment, the method may relate to enhancing an online customer experience, and help a customer obtain a quote for insurance products, submit an insurance claim, and/or wirelessly communicate with an insurance provider via a mobile device to adjust or acquire insurance policies, such as auto, home, health, renters, or life insurance and/or acquire vehicle or home loans.

Abstract: An augmented reality (AR) system for generating and displaying an enhanced situation visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image representative of a current view of a user. The ESV computing device may determine a subject of the image, retrieve reference information associated with the subject from the reference database, and determine situation information specific to the subject. The reference and situation information may be displayed on the user computing device to provide an ESV of the subject. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating homeowner's insurance claims, and/or for instructional guidance.

Abstract: An augmented reality (AR) system for generating and displaying an enhanced situation visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image representative of a current view of a user. The ESV computing device may determine a subject of the image, retrieve reference information associated with the subject from the reference database, and determine situation information specific to the subject. The reference and situation information may be displayed on the user computing device to provide an ESV of the subject. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating homeowner's insurance claims, and/or for instructional guidance.

Abstract: A computer-implemented method for applying a discount during an automated insurance enrollment process. A prompt may be transmitted to and presented on the consumer's computing device display to gauge whether the consumer is interested in being redirected for consideration of a qualifying purchase linked to discount or other offer. An affirmative response may be received to the prompt and the consumer may be redirected to information relating to the qualifying purchase via an acquisition module. A trusted transmission may be received that indicates that a qualifying purchase is, or will be, made by the consumer. A discount linked to the qualifying purchase may be applied before completing the insurance enrollment. For instance, an online applicant for homeowners insurance may be offered a discount if they purchase a security system, and redirected online to a preferred security system provider, and after online purchase of the security system, be provided a discount.

Abstract: Methods and systems for managing user accounts based upon the detection of various usage events associated with mobile or other electronic devices are provided. An electronic device may be located within a vehicle. During operation of the vehicle, the electronic device is configured to detect and record various usage events. Based upon the usage events or absence of usage events, either the electronic device or a remote server may determine how one or more user accounts are affected or impacted. The usage events may be related to type of smart phone usage, such as texting, web-surfing, telephone calls, etc., and/or simultaneous vehicle usage (e.g., vehicle movement or rest). The remote server may process the one or more user accounts accordingly and notify the electronic device of the processing. The electronic device may present any detected usage events or account changes via a user interface.

Abstract: A method and system may provide trip-based passenger insurance for autonomous vehicles. A server device may receive vehicle identification information for an autonomous vehicle that is providing transportation services for a user on a vehicle trip. Based on the vehicle identification information, the server device may transmit trip-based passenger insurance premiums to the user. When the user selects one of the trip-based passenger insurance premiums, the server device may provide a passenger insurance policy for the vehicle trip to the user.

Abstract: In one aspect, a system for allocating fault in a collision involving a vehicle is provided. The system may include (1) a sensor coupled to the vehicle and configured to collect contextual data related to the collision, (2) a non-transitory memory configured to store the contextual data, and (3) a processor coupled to the non-transitory memory and configured to (a) gain access to the contextual data, and (b) compute and assign a fault percentage to a driver of the vehicle based upon the contextual data.

Abstract: Provided are filtration systems, filters, and corresponding methods of installing and using a clean room filter. A filtration system may include a housing defining a vent opening and a filter opening. The housing may include a knife edge disposed about a perimeter of the filter opening and configured to extend downwardly. The filtration system may include a filter removably attached to the housing. The filter may include a frame having an opening and a channel disposed about a perimeter of the opening. The filter may further include a filter substrate disposed in the opening of the frame, a gasket disposed about a perimeter of the opening within the channel, and an adhesive compound disposed within the channel between the gasket and the channel. The filter may be configured to engage the knife edge of the housing, such that air may be configured to pass between the clean room and a duct via the filter.

Abstract: A method and system may provide customers with rates from multiple insurance providers for purchasing trip-based passenger insurance in autonomous vehicles. A server device may receive vehicle identification information for an autonomous vehicle that is providing transportation services for a user on a vehicle trip. Based on the vehicle identification information, the server device may obtain trip-based passenger insurance premiums from multiple insurance providers and transmit the trip-based passenger insurance premiums and indications of the corresponding insurance providers to the user. When the user selects one of the trip-based passenger insurance premiums, the server device may provide a passenger insurance policy for the vehicle trip to the user.

Abstract: In a computer-implemented method, one or more digital aerial images of a property of a current or potential policyholder may be received. The digital aerial image(s) (e.g., camera images, spectrometer images, LiDAR images, etc.) may be processed according to one or more image analysis techniques to determine one or more features of the property. The property feature(s) (e.g., tree heights, distances between trees and homes, sizes and/or masses of tree limbs, presence of ice dams, etc.) may be analyzed to determine a risk of damage to a structure or object located on the property. Based on the risk of damage, a risk output that includes (i) an indication of whether action should be taken to mitigate the risk of damage, (ii) an indication of whether insurance coverage associated with the structure or object should be offered, and/or (iii) a measure of the risk of damage, may be generated.

Abstract: This disclosure provides methods and systems for using coatings to control component dimensions during operations of a mechanical system, such as gas turbine combustion air cooling system. The mechanical system may have a component with a critical dimension defined by at least one surface. Upon detecting a change in the critical dimension, such as from surface erosion, a coating additive is deployed into the mechanical system. The surface is coated with the coating additive to offset at least a portion of the change in the critical dimension.

Abstract: A computer system for enhanced personal property replacement may be provided. The computer system may include at least one processor in communication with at least one memory device. The at least one processor may programmed to receive a plurality of user preferences transmitted from a user computer device associated with a user, receive a request from the user to cover a claim, determine a first plurality of items for the user based upon the claim and the plurality of user preferences, and/or transmit, to a retailer computer device associated with a retailer, an order for the determined first plurality of items with the retailer to be delivered to the user at an address associated with the user.