Abstract: A system may include a plurality of camera devices configured to acquire image data associated with a property. The system may also include a processor that receives the image data from the plurality of camera devices, receives insurance policy data associated with the property from a database, and adjusts one or more terms of the insurance policy data based on the image data.

Abstract: A key frame representative of a sequence of frames in a video file is selected. The sequence of frames is divided into shots, sequences of frames captured by a single continuous operation of the camera, by detecting shot boundaries. Shot boundaries are detected by measuring changes in motion activity between frames using measures of pixel intensity and histogram differences between frames. The most interesting shot in the sequence of frames is selected using measures of motion activity, spatial activity, skin pixel color and shot length. The key frame is selected in the most interesting shot using measures of spatial activity and motion activity.

Abstract: A key frame representative of a sequence of frames in a video file is selected. The sequence of frames is divided into shots, sequences of frames captured by a single continuous operation of the camera, by detecting shot boundaries. Shot boundaries are detected by measuring changes in motion activity between frames using measures of pixel intensity and histogram differences between frames. The most interesting shot in the sequence of frames is selected using measures of motion activity, spatial activity, skin pixel color and shot length. The key frame is selected in the most interesting shot using measures of spatial activity and motion activity.

Abstract: The invention is a system for time shifting live, streamed video and/or audio distributed via a global computer network, e.g., the Internet. The invention is preferably implemented as client-server software, with the possibility of both the client and the server running on the same PC. Alternatively, the system software may be embedded within a digital VCR information appliance, giving the system the ability to time shift and display Internet content as well as broadcast video content received via cable or satellite.