Abstract: An impact-resistant, photovoltaic (IRPV) window system is provided. The system may include an IRPV window coupled to a structure, a controller, and an insurance computing device. The IRPV window may include an impact resistant (IR) layer, a photovoltaic (PV) material that may generate an electrical output, and an electrode coupled to the PV material that may receive the electrical output. The IRPV window may permit a portion of visible light to pass through the IRPV window. The controller may monitor the electrical output and generate a solar profile of the structure based upon the electrical output. The insurance computing device may receive the solar profile and determine if an insurance policy associated with the structure is eligible for a policy adjustment and/or an insurance reward or discount offer.

Abstract: A database interface system uses individual application program interfaces to receive, convert, combine, and normalize if necessary, datasets received from disparate sources. The datasets may include quotes from various insurance providers. The categorized and normalized data may be further processed for presentation via a user interface that allows selective display of the full combined datasets or graphically selected subsets of the full datasets.

Abstract: Some embodiments include an employee benefits enrollment server system and method including operations that when executed by a computing device process and display an employee diagnosis survey with employee questions related to the employee's thoughts or attitudes to saving, insurance, investing and their financial future. The operations include accessing a diagnostics server including attributes related to financial psychology and/or behavioral economics and assigning an attribute to the employee. The operations can include displaying personalized benefits based on a profile of the employee determined by the diagnostics server based on at least one employee response to the at least one diagnostic survey and at least one of the attributes.

Abstract: Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.

Abstract: Methods and systems are disclosed for processing insurance claims in a manner that reduces or eliminates a need for an adjuster visit an insured person or property of the insured person. The method includes receiving a query from an insured regarding a claim and determining if the insured has a mobile device with a video camera capable of streaming video to the insurance claim processing system. If a mobile device capable of streaming video is available, the system generates an electronic invitation to a one-way streaming video session and transmits the electronic invitation to the mobile device. Upon acceptance, the system initiates the one-way video session, receives real-time streaming video, and appends received video from the real-time streaming video to a claim workfile. In alternative implementations, the system can remotely control the camera and other features of the mobile device during the one-way streaming video session.

Abstract: Methods and systems are disclosed for processing insurance claims in a manner that reduces or eliminates a need for an adjuster visit an insured person or property of the insured person. The method includes receiving a query from an insured regarding a claim and determining if the insured has a mobile device with a video camera capable of streaming video to the insurance claim processing system. If a mobile device capable of streaming video is available, the system generates an electronic invitation to a one-way streaming video session and transmits the electronic invitation to the mobile device. Upon acceptance, the system initiates the one-way video session, receives real-time streaming video, and appends received video from the real-time streaming video to a claim workfile. In alternative implementations, the system can remotely control the camera and other features of the mobile device during the one-way streaming video session.

Abstract: A method, computer program product, and computing system for automating role assignment is executed on a computing device and includes obtaining encounter information of a patient encounter. The encounter information is processed to associate a first portion of the encounter information with a first encounter participant. A first role is assigned to the first encounter participant.

Abstract: The present technology relates to an information processing apparatus, an information processing method, and a program which are possible to enable the user to reliably avoid a risk. The information processing apparatus includes a presentation control unit that generates a risk avoidance proposal for a user on the basis of a predicted risk, an evaluating unit that evaluates a level of obedience of the user on the basis of response of the user to the risk avoidance proposal, and a risk predicting unit that adjusts a risk prediction parameter on the basis of the evaluated level of obedience. The present technology can be applied to, for example, an information processing system or an information processing apparatus which assists driving of a mobile body, or an information processing system or an information processing apparatus which provides various kinds of insurances.

Abstract: A computer-implemented method includes capturing an original image. In the original image, a plurality of potential pickup locations are identified. Each potential pickup location of the plurality of potential pickup locations is associated with a respective metadata set of a plurality of metadata sets. An annotated image is generated based on the original image, where the annotated image indicates the plurality of potential pickup locations and the respective metadata set associated with each potential pickup location. A selection of a pickup location, from among the plurality of potential pickup locations, is received. The pickup location is transmitted to a remote server to facilitate a ride beginning at the pickup location.

Abstract: A computer program for providing access to auto insurance information comprises a first software widget and a second software widget. The first software widget may appear on a display of a mobile electronic device. When selected by a user, the first software widget displays a first information screen that includes a phone number and a mailing address for an insurance agent of the user. The second software widget may also appear on the display. When selected by the user, the second software widget displays a second information screen that includes an image of an auto insurance card of the user. The second software widget may compare an expiration date from the second information screen with the current date and generate a first indicia if the expiration date occurred before the current date (such as if the virtual auto insurance card is out of date and needs to be updated).

Abstract: The disclosure facilitates a transaction by determining implicit consent for a transaction from a user by a wearable computing device. A request to complete the transaction is received, biometric data associated with the user is collected, and context data associated with the biometric data is received. In response to the request to complete the transaction, weighted values of the biometric data and the context data are generated based on defined consent rules. Upon the generated weighted values satisfying one or more consent thresholds, implicit consent is determined for the transaction from the user, whereby completion of the transaction is enabled. Accurately determining implicit consent of a user for a transaction based on the user's biometric data streamlines the transaction process into an efficient, user-friendly experience for the user while maintaining the security of the user's identity and account information.

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to handle a total loss of a vehicle associated with a Vehicle Identification Number (VIN). A vehicle lifecycle may be tracked on a blockchain according to VIN. If the vehicle suffers a total loss, a transaction is broadcast to the blockchain to update the shared ledger to record the loss status of the vehicle. The blockchain may also include other information, such as mileage, regarding the vehicle and searchable by VIN. The other information and the loss status may be used to determine whether the vehicle likely represents a total loss.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing smart vehicle data. The managed data may relate to a detected vehicle event, such as: a motion or position detected by a motion or position sensor as a GPS chip, an accelerometer, a compass, a speedometer, a gyroscope, etc.; braking detected by a braking sensor; turn input detected by a steering wheel sensor; wheel position detected by a wheel sensor; engine temperature detected by a temperature gauge; oil temperature detected by a temperature gauge; a seatbelt status detected by a seatbelt and/or seat sensor; etc.

Abstract: This disclosure describes a solution to facilitate collaborative vehicle warnings via an edge node. An edge network can provide resources to the vehicles such that the vehicles can operate in a harmonic and safe manner. For example, a non-compliance of a vehicle captured by a video camera of another vehicle can be sent to the edge node for analysis. If other data related to non-compliances of the vehicle are received by the edge node, the edge node can label the vehicle as an unsafe vehicle. In response to the labeling the vehicle as an unsafe vehicle, the edge node can share this information with the vehicles that sent the video feed info and/or other vehicles that are nearby.

Abstract: A response system may be provided. The response system may include a security system and an autonomous drone. The security system includes a security sensor and a controller. The drone includes a processor, a memory in communication with the processor, and a drone sensor. The processor may be programmed to link the drone to the controller, build a virtual navigation map of the coverage area based, at least in part, upon initial sensor data stored by the drone, determine that the coverage area is unoccupied, deploy the drone from a docking station, control movement of the drone within the coverage area based upon the virtual navigation map, collect drone sensor data of the coverage area using the drone sensor, and/or analyze the collected drone sensor data to identify an abnormal condition within the coverage area, the abnormal condition including at least one of damage or theft occurring within the coverage area.

Abstract: System and method for determining physiological parameters of a person are disclosed. A physiological parameter may be obtained by analyzing a facial image of a person, and determining, from the facial image, a physiological parameter of the person by processing the facial image with a data processor. A neural network model such as regression deep learning convolutional neural network is used to predict the physiological parameter. An image processor screens out images which can't be recognized as facial images and adjust facial images to frontal facial images for predicting of physiological parameters.

Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.

Abstract: A mobile insurance architecture includes a wireless communication interface that connects mobile client devices to wireless networks. An insurance server cluster that includes a group of independent network servers operates and appears to mobile client devices as if the group of independent network servers were a single computer server. An adaptive transmission controller communicates with the insurance server cluster and processes content in multiple mobile formats that may be optimized to the screen sizes of the mobile client devices. The insurance server cluster responds to native application clients resident to the mobile client devices. The native application clients contain code stored on a non-transitory media that render insurance quoting services, insurance claims services, on-line insurance policy services, usage based insurance services, mobile monitoring services, or insurance agency management services.

Abstract: This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals. The system is adapted to provide a function to manage open checks that correspond to retail customers whose transactions are pending. The system is also adapted to permit service personnel to manage open checks by splitting them into multiple checks or merging multiple checks into one check.

Abstract: Appearance data associated with a target commodity is collected by a blockchain node device, where original appearance data associated with the target commodity is registered with a distributed database associated with a blockchain in advance. Whether a damage event occurs on the target commodity is determined by the blockchain node device based on the appearance data and the original appearance data. In response to a determination that the damage event occurs on the target commodity, a smart contract corresponding to the target commodity is invoked by the blockchain node device. Commodity damage claim logic stated in the smart contract is executed by the blockchain node device to complete a commodity damage claim for the target commodity.

Abstract: The present disclosure provides systems and methods for remote vehicle diagnostics. The remote vehicle diagnostics are obtained based on a vehicle identification number for a vehicle connected to an electrical connector of a vehicle diagnostic system host device. A vehicle electronic configuration file is provided to the host device to control access to one or more vehicle control modules.

Abstract: An example operation may include one or more of collecting a set of driving data, estimating, from the set of driving data, one or more states that are predictive of an elevated driving risk of an adverse event endangering at least one of a driver, a vehicle's occupants or a vehicle's cargo, determining, from the one or more estimated states, an existence of an elevated driving risk, and alerting at least one of the vehicle, driver or the vehicle's occupants to the existence of the elevated driving risk.

Abstract: A graphical representation is provided that displays a user's insurance coverage via the graphical representation, the user may request information about various aspects of the coverage and/or may request to chat or speak with a representative that specializes in a particular coverage area. The graphical representation may show how the user's insurance coverage compares to population groups and medians. A user may adjust the coverage on the graphical representation and be provided with a revised premium amount. The user may select this coverage to be implemented and the user's policy may be appropriately revised.

Abstract: System, methods, and apparatuses provide customizable product features according to consumer preferences. Demand simulators guide the creation of optimized packages of features, which consumers may select from to form a product appropriate for their particular needs. Packages may be formed with a particular appeal to consumers with common needs, wants, or characteristics. In addition, methods, systems, and apparatuses are provided for presenting such products for consideration by customers over a network. Presented products may be formed through an optimization process or according to customer preferences.

Abstract: A network-based, collaborative, medical expert system and method for its use, the system is adapted to receive patient billing data from a plurality of care providers worldwide, the patient billing data including billing codes and de-identified patient data, the system further comprising an analysis component adapted to transform the billing codes and the patient data into multidimensional vectors and super-vectors, analyze the super-vectors via vector analysis to correlate diagnoses, treatment regimens, and treatment results with ailments of human anatomy, physiology, and psychology, and return a collaborative patient treatment guide to a user interface of at least a subset of the plurality of care providers, based on a continuous real time receipt of patient billing data, transformation of the billing data, and analysis of the super-vectors.

Abstract: Aspects of the disclosure describe systems and methods for handling a loss involving an insured vehicle. A total loss evaluation and handling system receives vehicle telematics data from a vehicle telematics device that monitors the vehicle. The total loss evaluation and handling system determines that a loss involving the vehicle has occurred, and a total loss evaluator selects a set of total loss rules configured to determine whether the loss is a total loss. The total loss evaluator applies the total loss rules selected to the vehicle telematics data received and determines whether the loss is a total loss based on the total loss rules applied. A total loss handler obtains an estimated value of the vehicle and generates a settlement amount based on the estimated value. The total loss handler initiates a payment corresponding to the settlement amount as settlement for the total loss.

Abstract: Concepts and technologies directed to an integrated telecommunications roadside unit for supporting vehicle-to-everything (“V2X”) communications are disclosed herein. Embodiments of an integrated telecommunications roadside unit can include a processor and a memory that store computer-executable instructions that configure a processor to perform operations. The operations can include intercepting a vehicle-to-vehicle communication that is provided from a first vehicle to a second vehicle. The vehicle-to-vehicle communication can be transmitted using a direct transmission mode. The operations can further include encapsulating the vehicle-to-vehicle communication in a user plane package. The operations can also include routing the user plane package to a destination network access node, where the destination network access node is outside of a direct communication range corresponding to the first vehicle and the second vehicle.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to process audio and visual data. One of the methods includes receiving, from a mobile device, image data and audio data, wherein the image data and audio data were obtained within the same time frame. The method includes processing the image data to identify a first set of facts. The method includes processing the audio data to identify a second set of facts. The method includes processing meta-data associated with the image data to identify a third set of facts. The method also includes performing at least one process using the first set of facts, the second set of facts, and the third set of facts.

Abstract: Systems and methods for performing insurance damage inspection by an unmanned aerial vehicle (UAV) are provided. A computing device may receive a request to inspect a vehicle, the request comprising a location of the vehicle. The computing device may identify a UAV from a plurality of UAVs that is located closest to the location of the vehicle from other UAVs in the plurality of UAVs. The computing device may instruct the UAV to travel to the location of the vehicle. The computing device may instruct the UAV to collect damage information on the vehicle using one or more onboard sensors of the UAV. The computing device may determine an amount of insurance payout to approve for repairs to the vehicle based on the damage information collected by the UAV.

Abstract: Methods, computer-readable media, software, and apparatuses may receive, at a field vehicle, field data from one or more unmanned autonomous vehicles, where the field data may be indicative of an item for assessment. Edge-computing, based on machine learning techniques, may be performed at the field vehicle to identify one or more characteristics of the assessment, and a projected cost may be determined. An estimate may be sent to a consumer. In some aspects, the projected costs may be based on local data related to a geographical location of the item. In another aspect, underwriting tasks may be performed at the field vehicle, and a quote may be sent to a consumer.

Abstract: An integrated transaction platform facilitates a transaction, such as a purchase of a vehicle or other item. The platform provides a pre-negotiated purchase price for the item to facilitate a transaction to purchase the item from a seller, the transaction being substantially frictionless from the buyer's perspective. The pre-negotiation can involve a reverse auction process in which sellers bid to sell the item to a buyer. After the buyer has identified a particular item for purchase, sellers that have the item available are notified to provide a bid indicating a price at which the seller is willing to sell the item. The lowest bid is selected, and a purchase agreement is finalized based on the lowest bid. After the agreement is finalized, the buyer can accept delivery of the item without further negotiation with the seller, and thus with substantially reduced friction compared to traditional purchase scenarios.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation. As a result, innocent drivers or vehicles may not be unfairly penalized for vehicle collisions not their fault.

Abstract: A method for controlling a vehicle includes: receiving, by a controller, route data, wherein the route data is continuously updated while the vehicle is moving, and the vehicle includes a plurality of vehicle operating modes; receiving, by the controller, feature data, wherein the feature data is information about a plurality of features needed for each of the plurality of vehicle operating modes; determining, by the controller, a plurality of ranges for each of the plurality of vehicle operating modes, wherein each of the plurality of ranges is a function of the route data and the feature data for each of the plurality of vehicle operating modes; and commanding, by the controller, a user interface to display a list of range-mode combinations, wherein the list of range-mode combinations includes the plurality of ranges for each of the plurality of vehicle operating modes.

Abstract: The present disclosure relates clustering similar data records together in a hierarchical clustering scheme. Each tier in a cluster corresponds to a minimal match score, which reflects a degree of confidence. In this respect, a higher confidence may lead to smaller sized clusters while a lower confidence may lead to larger sized clusters. Ordinal classification may be used to generate hierarchical clusters. In some embodiments, hierarchical clustering with conflict resolution is used to resolve user-defined hard conflicts in each tier of the clustering results.

Abstract: A vehicle collision avoidance supporting apparatus may include a situation determination unit configured to determine whether it is a situation that there exists no moving object proceeding in a direction crossing a traveling direction of the vehicle; a first sensor and configured to detect an object ahead of the vehicle; and an avoidance operation controller configured to cause the vehicle to perform a predetermined avoidance operation for avoiding a collision in accordance with a detection result of the first sensor in a determination region ahead of the vehicle. The avoidance operation controller uses a region which is narrower in a direction perpendicular to the travelling direction and parallel to a horizontal direction as the determination region when it is the situation that there exists no moving object than when it is not the situation that there exists no moving object.

Abstract: A weather event computing device for transmitting weather notifications to policyholders is provided. The weather event computing device receives, from a weather reporting device, weather data for a region. The weather event computing device (i) determines from the weather data that the region is expected to experience a weather event, and (ii) identifies an insured property associated with the policyholder located within the region. A notification is transmitted to the policyholder's mobile device, advising the policyholder that the property may be impacted by the weather event. Pre and post-event drone or other aerial image data of insured properties may be used to estimate insurance claims for the insured, and facilitate prompt payout of insurance monies to those displaced or otherwise impacted by a weather event.

Abstract: Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for programmatically predicting policy transactions using machine learning.

Abstract: A system and method for obtaining target views of a vehicle is disclosed. A seller of a vehicle may seek to obtain one or more target views of the vehicle. To obtain the target views, the user may use a smartphone with an app that accesses the video stream while the user walks around or inside the vehicle. When the app identifies a frame in the video stream as one of the target views sought, the app tags the frame as an image of one of the target views. Further, the user may provide additional input, such as voice input (as part of the video stream) or manual taps on the touchscreen of the smartphone. The additional input may be used for damage assessment or sentiment analysis of the vehicle.

Abstract: Telematics and external data relating to the real-time driving of a driver of a taxi vehicle may be collected and used to calculate a driving score. A telematics device installed in the taxi vehicle may collect vehicle data, trip data, and passenger data from one or more sensors. A computing device in communication with the telematics device may calculate a driving score for the taxi vehicle during a trip based on a type of vehicle, a type of trip, a number of miles driven during the trip, a duration of the trip, a number of passengers in the taxi vehicle during the trip, and a type of the passengers in the taxi vehicle during the trip. As one example, the driving score may be provided to an employer of a driver of the taxi vehicle.

Abstract: Event-based and subscription-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises receiving first data acquired by a first plurality of vehicle operation sensors of a first vehicle from a first computing device associated with a first subscriber, identifying an occurrence of an event involving a second vehicle and a third vehicle based on the first data, receiving second data acquired by a second plurality of vehicle operation sensors of the second vehicle, identifying which vehicle of the second vehicle or the third vehicle is at-fault based on the first data and the second data, determining, for the first subscriber and responsive to determining that the first data was used in determining which of the first vehicle or the second vehicle is at-fault, one or more objects, and transmitting the one or more objects to the first computing device.

Abstract: Systems and methods relate to, inter alia, calculating a number of expected collisions in an area over a time period. The systems and methods may further determine a number of observed collisions in the area over the time period. The systems and methods may further calculate a risk index for the area based upon a comparison between the number of expected collisions and the number of observed collisions. The systems and methods may further determine one or more travel routes for a vehicle based upon the calculated risk index. The systems and methods may further display a notification depicting the one or more travel routes to facilitate routing of the vehicle that avoids traversing the area.

Abstract: Disclosed is a system and method of two-way wireless-communication of vehicular status with one or more different recipient computer servers operated by one or more third parties to promote safer driving. The wireless-communication is based on the low-power, wide-area communication technology, particularly Random Phase Multiple Access (RPMA) communication network. The system consists of a device connected to an On-board diagnostics (OBD) port on the vehicle and onboard sensors whose data are locally processed to provide guidance to the driver. The device utilizes an audio unit, a display unit, and/or a combination thereof to warn about a potential hazard. The device further includes a plurality of sensors to sense the plurality of events.

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 method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, sensor data representing information collected by a sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle, and storing the received sensor data in the memory. The method also includes processing the stored sensor data to determine conditions in which the second vehicle was driven, driving habits of a driver of the second vehicle, and an identifying characteristic of the second vehicle. The method further includes identifying the driver of the second vehicle using the identifying characteristic, and determining a risk level for the driver of the second vehicle using the determined conditions and driving habits.

Abstract: An example application build automation system can include a management engine configured to receive a first set of definitions corresponding to a first configuration file, receive a second set of definitions corresponding to a second configuration file, generate a first VSCI image using the first configuration file, and generate a second VSCI image using the second configuration file. The example system may further include a build engine configured to receive the first VSCI image and the second VSCI image, generate a build configuration based on the first VSCI image and the second VSCI image, and deploy the build configuration to generate a plurality of build artifacts.

Abstract: Described herein are methods and systems for administering a life insurance policy that provide an alternative to the traditional approach by querying a client for a set of coverage objectives and using a set of algorithms to automatically adjust billed premiums on an ongoing basis to maintain the client-specified coverage objectives—a methodology referred to herein as “dynamic billing.” Dynamic billing enables clients to take corrective action sooner than it would otherwise be taken and/or provides an automated mechanism or prompt for clients to take such action on an ongoing basis. For example, in certain embodiments, the disclosed technology computes adjusted premiums and allows the policy owner to be billed the amount required to keep his/her policy on track with his/her current insurance policy objectives.

Abstract: An apparatus for pricing offers of healthcare services includes an application server providing a pricing tool, and a service pricing information database and a cost adjustment information database that are accessible by the application server. The pricing tool is operable to receive an indication of a healthcare service set that is respectively associated with a service detail information record included in the service pricing information database, determine a base physician fee for a primary service of the indicated healthcare service set based on base pricing metrics for the primary service included in the service detail information record, receive an indication specifying a location for performing the primary service, calculate an adjusted physician fee for the primary service based on cost adjustment metrics for a geographic zone that corresponds to the specified location, and provide a recommended price for the indicated healthcare service set based on the calculated adjusted physician fee.

Abstract: A system and method approves a submission of information. The information includes field data from a data source system. The system communicates the submission to a data validation system and receives, from the data validation system, validation data that defines a validation response. The system communicates information indicative of the validation response to the data source system. The system predicts validation responses for subsequent submissions of information.

Abstract: According to the present invention, a water region detecting unit (11) detects, in a determination target region set in an input image captured of a river, a water region covered by water. An area ratio calculating unit (12) calculates the ratio of the area of the water region to the area of the determination target region. A risk level determining unit (13) calculates the level of flooding risk of the river on the basis of the calculated ratio.

Abstract: The present disclosure provides methods and apparatuses for predicting road conditions based on big data. One exemplary method comprises: collecting driving data associated with a road section; comparing the collected driving data with a normal observation sample to determine whether the driving data is abnormal data, putting the abnormal data and the road section into an abnormality database in response to the driving data being abnormal data, and continuously recording driving data of this road section; determining whether the road section is an abnormal road section according to the number of occurrences of abnormal data associated with the road section; and predicting a reason for the abnormality of the road section determined as the abnormal road section, according to a preset model. The technical solutions provided by the present disclosure can help accurately predict road conditions by analyzing big data, thereby saving manpower and material resources.