Abstract: A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.

Abstract: A computer device and method for managing multiple electronic sensors is provided where a server receives building condition data from a motion sensor, analyzes the received data, and activates (or reconfigures) a camera sensor to capture an image of the inhabitants present within the building; the server then identifies the inhabitant of the building and retrieves profile data associated with the identified inhabitant; the server then, based on the profile data, generates an instruction to modify one or more conditions within the building (e.g., the environmental conditions of the building) and transmits the instruction to one or more devices (e.g., an environmental device) within the building.

Abstract: In an approach, a processor receives input data comprising: (i) a code level for an update, (ii) a scheduled time for the update; (iii) a target system for the update, and (iv) authorization data, where the authorization data: (i) allows for scheduling of the update and (ii) is provided via a channel external from a connection to the target system without an inbound connection. A processor receives a set of data from the target system. A processor, responsive to receiving the set of data from the target system, sends a response packet to the target system that includes the input data. A processor receives, at the scheduled time, a request to process the update. A processor, responsive to the request, sends code for processing the update corresponding to the code level for the update. A processor receives status messages corresponding to progress of the update.

Abstract: A computer device and method for processing an insurance claim and making decisions regarding an insurance policy utilizing informatic data received from one or more informatic camera sensor devices configured to capture imagery data relating to an insured property. Analysis is performed on the received imagery informatic data to determine an assessment variable regarding the insured property. An insurance policy associated with the insured property is also received by the computer and analyzed to determine insurance coverage terms and conditions for the insured property. Predefined business rules are preferably applied by the computer using at least the determined assessment variable and the determined insurance coverage terms and conditions for the insured property to determine an event relating to the insurance policy associated with the insured property.

Abstract: Methods and systems for providing automated methods of inspections that facilitate loss reporting and resolution are described. In some embodiments various remote evaluation tools are provided to collect information from remote locations. This information can be used to generate automated damage estimates which in turn can be used to direct the ordering of supplies, materials, and other resources. In addition, pre-damage and post-damage evaluations of an insured property may be collected using the remote evaluation tools. These evaluations can be used by adjusters (human adjusters and computer-based adjusters) to identify damage and process claims more efficiently.

Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to an object. For example, an unmanned vehicle may project a laser pattern and use information associated with the laser pattern to determine characteristics of the object.

Abstract: An insurance data gathering process contingent upon dynamically captured image and informatics sensor data. The captured image data may be used to facilitate rapid insurance-related decisions. In regards to a decision to be rendered for a property insurance policy, at least one image is retrieved associated with the property. One or more accounts associated with the insured are identified and one or more risks characteristics are identified regarding the insured. An aggregated dataset is provided from the at least one image, one or more accounts and risk characteristics associated with the insured. Predictive analysis is performed on the aggregated dataset to render a risk profile for the insured regarding an insurance policy for the property. A decision is rendered regarding the insured and the insurance policy based at least in-part upon the rendered risk profile.

Abstract: Systems and methods include: receiving informatics data from one or more sensors installed at a first set of one or more properties; aggregating and analyze the informatics data to generate one or more favorability scores based upon the informatics data; based upon the one or more favorability scores, determining a set of one or more insurance policy offers for a target property separate from the first set of one or more properties; and providing the set of one or more insurance policy offers for the target property to an insurance policyholder of the target property.

Abstract: The present disclosure relates generally to a system that includes a storage component that stores data and a processor. The processor may install an application using a portion of the storage component, partition the portion of the storage component from a remaining portion of the storage component, and execute the application via the portion of the storage component.

Abstract: Systems and methods to performing insurance-based actions using sensor data are provided. A computer-implemented method includes receiving sensor data from the one or more dwelling sensors configured to generate sensor data representative of one or more environmental characteristics of a dwelling; generating a dwelling assessment based upon the one or more environmental characteristics; determining potential insurance policy adjustments based upon the dwelling assessment; and presenting the potential insurance policy adjustments via an electronic communication.

Abstract: A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.

Abstract: A computer device and method for managing multiple electronic sensors is provided where a server received building condition data from a first sensor and analyzes the received data; upon the received data satisfying a threshold, the server activates a second sensor and receives a second set of building condition data and analyzes the received second set of data; upon the second set of data satisfying a second threshold, the server may determine a possible problem with the building and notify the homeowner; the server may further take corrective actions such as terminate the water or the electric supply for the building.

Abstract: A computer device and method for processing risk related data to affect changes to an insurance policy whereby one or more terms of an insurance policy associated with an insured and informatic data from a plurality of sensor devices are received by a computer processor. Analysis is performed on the received informatic data to determine a risk assessment value regarding the insured and/or other risks relevant to the insurance policy, such as a dwelling. Predefined business rules are then applied using at least the determined risk assessment value to determine if conditions have been met to allow or require modification of the insurance policy whereafter modification of one or more terms of the insurance policy is performed if the insurance policy associated with the insured permits modification.

Abstract: A first inspection of insured property is performed to detect hazardous conditions related to the insured property. This first inspection is performed using a first set of imagery data received from one or more imagery data sources. One or more preventive measures are recommended to address the detected hazardous conditions based on analysis of the first set of imagery data. A second inspection is performed using a second set of imagery data received from the imagery data sources. The second inspection is performed to verify that recommended preventive measures have been taken. The first and second sets of imagery data may contain satellite and aerial imagery. The imagery data sources may provide information such as an image of an insured property's roof, an image of a terrain surrounding the insured property, or any other aerial images.

Abstract: A computer device and method for processing data to determine suggested modifications to the policy terms or conditions contingent upon informatic data relating to habits and activities of inhabitants of an insured property or location. Informatic data relating to an insured property or location is electronically received from at least one informatic sensor device and is analyzed to determine behavioral habits and activities of one or more inhabitants associated with the insured property so as to identify one or more risks associated with the insured property or location. Electronic data is received for one or more terms of an insurance policy associated with the insured property and is analyzed to determine suggested modifications to the policy terms or conditions based upon the determined behavioral habits and activities of the one or more inhabitants associated with the insured property.

Abstract: Liquid dispensers for bottles comprise a dispensing chamber having small portals at either end. Dropwise addition of flavoring or coloring liquids, such as vermouth or bitters, to alcoholic beverages using those liquid dispensers is also disclosed.

Abstract: An electronic device including: a delay circuit configured to adjust a delay of an input for generating an output signal; and an input selection circuit coupled to the delay circuit, the input selection circuit configured to control a phase for a clock input based at least in part on a measurement of a delay corresponding to the delay circuit in generating the input.

Abstract: A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.

Abstract: A memory device performs DLL (delay locked loop) calibration in accordance with a DLL calibration mode configured for the memory device. A host controller can configure the calibration mode based on operating conditions for the memory device. The memory device includes an input/output (I/O) interface circuit and a delay locked loop (DLL) circuit coupled to control I/O timing of the I/O interface. A control circuit of the memory device selectively enables and disables DLL calibration in accordance with the DLL calibration mode. When selectively enabled, the DLL calibration is to operate at a time interval identified by the DLL calibration mode, and when selectively disabled, the DLL calibration is to cease or refrain from DLL calibration operations.

Abstract: A property is identified about which to gather information. A vehicle is deployed to a location associated with the property. The vehicle gathers data at the location. A portion of the gathered data indicating a condition or event at the property is determined and encrypted. The portion of the gathered data is stored or sent to an authorized party.