Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous (and/or semi-autonomous) operation features are provided. According to certain aspects, operating data from sensors within or near the vehicle may be used to determine fault for a vehicle accident, such as a collision. The operating data may include information regarding use of the features at the time of the accident and may further be used to determine an allocation of fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to determine and/or adjust coverage levels for an insurance policy associated with the vehicle. The allocation of fault may further be used to adjust risk levels or profiles associated with the vehicle operator or with the autonomous operation features.

Abstract: A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.

Abstract: Methods and systems for automating the management and processing of roof damage analysis. In some embodiments image data associated with damaged roofs is collected and automatically analyzed by a computing device. In some embodiments, the image data is modified automatically to include descriptive metadata and visual indicia marking potential areas of damage. In one embodiment, the systems and methods include a remote computing device receiving visual data associated with one or more roofs. In one embodiment, insurance company specific weightings are determined and applied to received information to determine a type and extent of damage to the associated roof. In one embodiment, results of the methods and systems may be used to automatically generate a settlement estimate or supplement additional information in the estimate generation process.

Abstract: Methods and systems for determining collision risk associated with operation of autonomous vehicles using autonomous communication are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including features associated with autonomous communication between vehicles or with infrastructure. This information may be used to determine collision risk levels for a plurality of features, which may be based upon test data regarding the features or actual collision data. Expected use levels and autonomous communication levels may further be determined and used with the collision risk levels to determine a total collision risk level associated with operation of the vehicle. The autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication.

Abstract: A method, computer system, and/or computer program product dynamically adjusts an insurance policy parameter for a self-driving vehicle (SDV) operating in manual mode. One or more processors receive a copy of manual control signals from an SDV, where the SDV is in manual mode during a particular time period. The processor(s) also receive a copy of computer control signals generated by an SDV on-board computer on the SDV during the particular time period, and compare the manual control signals to the computer control signals. In response to the manual control signals matching the computer control signals within a predetermined range, the processor(s) adjust an insurance policy parameter for the SDV while the SDV is being controlled by the particular human operator.

Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

Abstract: A system and method are provided for managing the safety of a plurality (10) of personal protection equipment items (11). The system and method assign unique identifiers (12) to each of the items (11) and encodes the identifiers (12) into Ultra High Frequency RFID chips (18) attached to each of the items (11). A user (29) can identify the specific items (11) in the user's inventory by scanning the chips (18) and the system can provide safety information relevant to each of the specific items (11) based on the chips (18) that are scanned, including training information specific to each item (11), training information specific to each worker (34) assigned to each item (11) by a user (29), and maintenance and/or inspection protocols in the form of images (60) illustrating the steps of the protocols and text (62) explaining the steps.

Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to collect vehicle driving data and infrastructure data in response to a collision. Vehicle driving data may be received from a first vehicle involved in the collision and a second vehicle involved in the collision. Vehicle driving data may be received for vehicles within a defined radius of the first vehicle and/or the second vehicle. Infrastructure data from infrastructure elements within a defined vicinity of the first vehicle and/or the second vehicle may be received. The received data may be used to initiate an insurance claim, assess fault for the collision, and detect fraudulent claims.

Abstract: The present invention provides an annular beam of monolithic construction of one homogeneous material and a related efficient, low-cost non-pneumatic tire. Specific geometric design, combined with nonlinear elastomer physical properties, enable the suppression of all reinforcing belts, continuous fibers, or other strengthening layers in the annular beam. The annular beam consists of at least two bands that are continuous in the circumferential direction and connected by a web geometry. The non-pneumatic tire consists of the annular beam, a ground contacting portion, a central wheel, and a plurality of web spokes that connect the wheel and beam. When the tire is loaded to a design load against a flat surface over a design contact length, a contact area of essentially uniform pressure is produced, while the load is transmitted from the beam to the hub via tension in the web spokes. The tire can be economically manufactured.

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: A method, medium, and apparatus for allowing evaluation of property, such as damaged property, remotely and efficiently. A mobile computing device at the location of the property may be used to transmit video of the property to an adjuster, and to receive video and audio communications from the adjuster. The adjuster may be selected from a queue based on time waiting in the queue and/or a number of other statistics and attributes of the adjuster. The adjuster may converse with an owner of the property and capture video of the property in order to make an appraisal or determine the infeasibility of remote appraisal and the need to instruct another adjuster to perform a physical inspection.

Abstract: Methods and systems for monitoring vehicle occupants using infrared and other sensors are disclosed. The systems may use infrared sensor data to identify each vehicle occupant using biometric signatures (such as heartbeat or facial recognition). Vehicle occupant characteristics may be determined that include skeletal characteristics of the occupants. Further monitoring of the occupants using sensor data may occur until an abnormal situation is detected. Abnormal situations may include medical emergencies, driver impairment, security threats, or similar situations requiring correcting action. The system may then determine and implement an appropriate response to the abnormal situation. Such responses may include generating alerts, adjusting vehicle environmental controls, taking control of operation of the vehicle (such as an autonomous or semi-autonomous vehicle), or initiating wireless communication with an outside party, such as an emergency service.

Abstract: A method for identifying whether a house qualifies for homeowner's insurance is provided. The method includes receiving, by a computer system, from a user device, an indication of the house. The computer system is operated on behalf of an entity that issues homeowner's insurance, The user device is operated by a prospective purchaser of the house, and the indication is sufficient to identify the house. The method also includes retrieving, from a first database, characteristics linked with the house. The characteristics include one or more geohazard characteristics. The method further includes determining, whether the house qualifies for homeowner's insurance by the entity that issues homeowner's insurance using the characteristics linked with the house, storing, data indicating whether the house qualifies for homeowner's insurance, and transmitting to the user device of the prospective purchaser, the indication of whether the house qualifies for homeowner's insurance.

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: Systems and methods are provided for determining patient financial responsibility for multiple prescription products across multiple healthcare transactions. A service provider computer can receive multiple healthcare transactions, and can evaluate each to determine if it includes a total group transaction number and a transaction number. The service provider computer can compare the transaction number to the total group transaction number to determine if all transactions within a group have been received. Once received, the transactions can be transmitted to the claims processor computer for adjudication. Upon receiving the adjudicated response for each transaction within the group, the service provider computer can identify the patient co-pay for each of the adjudicated responses in the group and can calculate a total patient pay amount based on the group of patient co-pays. The total patient pay amount may then be transmitted to a healthcare provider computer associated with a healthcare provider.

Abstract: According to some embodiments, systems, methods, apparatus, computer program code and means may display information from a medical risk factor computer storage unit. Information associated with an insurance policy, having an insurance policy identifier, may then be received from an underwriter along with a plurality of medical risk factor values for the insurance policy. The plurality of medical risk factor values may be stored into an insurance policy storage unit in association with the insurance policy identifier. An overall risk level associated with the insurance policy may be automatically calculated based on the plurality of medical risk factor values, and at least one file may be locally saved associating overall risk level with the insurance policy identifier and/or medical risk factor values.

Abstract: The system may search network nodes for collections of actionable items which users may desire to add to their personal list. The system may operate as an extension on a user interface that searches displayed network content for actionable items which users may desire to add to their personal list which may be shared with other users.

Abstract: A system and method simulates conversation with a human user. The system and method receive media, convert the media into a system-specific format, and compare the converted media to a vocabulary. The system and method generate a plurality of intents and a plurality of sub-entities and transform them into a pre-defined format. The system and method route intents and the sub-entities to a first selected knowledge engine and a second knowledge engine. The first selected knowledge engine selects the second knowledge engine and each active grammar in the vocabulary uniquely identifies each of the knowledge engines.

Abstract: A method includes receiving a request for a user interface configuration schema, and, in response to receiving the request, providing the user interface configuration schema to the electronic device. The request may be received from or at an electronic device. The user interface configuration schema may include information for configuring one or more input fields of a user interface provided by the electronic device. Subsequent to providing the user interface configuration schema, the method includes receiving information from the electronic device. The information may correspond to data entered into the one or more input fields of the user interface. The method includes determining whether the received information is valid, and, in response to a determination that the received information is valid, providing rate information associated with an insurance product offering to the electronic device.

Abstract: A method and system for detecting an accident of a vehicle, the method including: receiving a movement dataset collected at least at one of a location sensor and a motion sensor arranged within the vehicle, during a time period of movement of the vehicle, extracting a set of movement features associated with at least one of a position, a velocity, and an acceleration characterizing the movement of the vehicle during the time period, detecting a vehicular accident event from processing the set of movement features with an accident detection model, and in response to detecting the vehicular accident event, automatically initiating an accident response action.

Abstract: A method and apparatus for providing an opportunistic crowd based service platform is disclosed. A mobile sensor device is identified based on a current location and/or other qualities, such as intrinsic properties, previous sensor data, or demographic data of an associated user of the mobile sensor device. Data is collected from the mobile sensor device. The data collected from the mobile sensor device is aggregated with data collected from other sensor devices, and content generated based on the aggregated data is delivered to a user device.

Abstract: Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.

Abstract: In an approach for asset management, a processor identifies the location of an asset. A processor receives information specific to the location of the asset. A processor determines that an alert is required based on at least the asset, the location of the asset, and the information specific to the location of the asset. A processor generates an alert.

Abstract: The system includes a variety of aspects which allow users to efficiently receive reimbursement for claims. Claims accepted by CMS result in reimbursement for claimants. Claims rejected by CMS represent lost revenue for claimants. In order to maximize accepted claims and minimize rejected claims, the system provides for the generation of more accurate PDE files for submission and for the accumulation and formatting of information received from CMS to facilitate correction of PDE errors. These aspects work in tandem to minimize lost revenue for the claimant. Further, aspects described herein help minimize PDE error rates. Such minimization of errors can affect the reputation, business model, credibility, and competitive posture of Part D plan sponsors. Accordingly, minimization of PDE error rates is important to the overall design, function, and profitability of any Medicare Part D plan sponsor.

Abstract: Systems and methods for assessing vehicle operation are provided. According to certain aspects, an electronic device may receive and analyze image data depicting an individual located within a vehicle. The electronic device may also access and compile vehicle operation data and operator data corresponding to a state or condition of the vehicle operator. The electronic device may identify, from the vehicle operator data, a set of close misses experienced by the vehicle, correlate the set of close misses with a state or condition of the vehicle operator, and attribute at least some of the close misses to the vehicle operator. A remote server may aggregate and compile corresponding data from a plurality of vehicles.

Abstract: Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.

Abstract: A first acquirers receives, via a payment network configured to facilitate transactions between multiple issuers and multiple acquirers, an authorization response flagged with a flag. The flag indicates that clearing of a first transaction, associated with the authorization response, is to be suspended. The first transaction initially has an uncertain amount, and is associated with a first payment account, of a first user, associated with a first issuer. Subsequent determination of a final certain amount for the first transaction is awaited. Upon determination of the final certain amount, the first one of the acquirers proceeds with clearing the first transaction, based on the final certain amount. The steps are repeated for at least a second acquirer and at least a second transaction. The second transaction is associated with a second payment account, of a second user, associated with a second one of the issuers.

Abstract: A method for processing a life insurance facultative case summary submission over a network between a ceding company and a reinsurer. Initially, a facultative case summary submission is received by the reinsurer from the ceding company via the network. Thereafter, a facultative decision is rendered by the reinsurer based on the received facultative case summary submission. Because the information is summarized and sent electronically or via voice message, less information is processed in a faster period of time thereby rendering quicker decisions than when the complete case history is submitted to the reinsurer for review.

Abstract: A method includes retrieving data about vehicle operator behavior via a computer network, wherein the data about vehicle operator behavior is generated by a motion sensing device adapted to monitor movements of a vehicle operator, and clustering the data about vehicle operator behavior into a plurality of groups of data. The method further includes determining a numerical level of risk corresponding to each of the plurality of groups of data and generating an insurance rate for an insurance product, wherein the insurance rate is consistent with the numerical levels of risk corresponding to each of the plurality of groups of data.

Abstract: A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distance driven by a customer. In one embodiment of the present invention, the first miles or kilometers driven by a customer are assigned a greater level of risk than later-driven miles or kilometers. The present invention provides an actuarial method that more closely conforms the cost of insurance for a particular vehicle to its annual mileage by creating a Rate Per Mile Factor (RMF), where the RMF is expressed as a function of annual mileage.

Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Abstract: A method for assessing a safety of a user of an application executing on a mobile device, including collecting a location data, a motion data, and a location data source from the application; transmitting, at a time, the location data, the motion data, and the location data source to a server; obtaining, from the server, a normal behavior data associated with the user; determining an abnormality score; determining a confidence score; determining a threat score; determining a threat type; calculating a safety score for the user; determining that the safety score is less than a safety score threshold; and transmitting a message to the mobile device of the user requesting a reply.

Abstract: System and methods are disclosed for determining, through vehicle-to-vehicle communication, whether vehicles are involved in autonomous droning. Vehicle driving data and other information may be used to calculate a autonomous droning reward amount. In addition, vehicle involved in a drafting relationship in addition to, or apart from, an autonomous droning relationship may be financially rewarded. Moreover, aspects of the disclosure related to determining ruminative rewards and/or aspects of vehicle insurance procurement/underwriting.

Abstract: A multiproduct quoting system facilitates the purchase of multiple insurance products from two or more insurance underwriters as a bundled insurance package. A multiproduct server renders consolidated views of the multiple insurance products or combined rates of the multiple insurance products based on a plurality of insurance scores. A payment server coupled to the multiproduct server renders individualized payment plans for each of the multiple insurance products. An insurance policy module in communication with the multiproduct server renders an integrated insurance document that reflects a user's selected insurance policy parameters.

Abstract: An apparatus includes a communications component to receive a specified variable and one or more specified criteria to select a final clustered representation of a network, the specified criteria including a maximum degree of loss of information for the specified variable for the final clustered representation; and an iterative collapse component to perform iteration(s) of deriving the final clustered representation.

Abstract: A method comprises retrieving data about vehicle operator behavior via a computer network and clustering the data about vehicle operator behavior into a plurality of groups of data, each of the plurality of groups of data representing a type of movement of the vehicle operator. The method further includes determining a numerical level of risk corresponding to each of the plurality of groups of data by executing a learning routine and generating a communication to be transmitted to user of a remote computing device. The communication is based on the one or more of the numerical levels of risk or the types of movements corresponding to the plurality of groups of data.

Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicle and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the condition of components for salvage following a collision or other loss-event. To this end, the information regarding a plurality of components may be received. A component of the plurality of components may be identified for assessment. Assessment may including causing test signals to be sent to the identified component. In response to the test signal, one or more responses may be received. The received response may be compared to an expected response to determine whether the identified component is salvageable.

Abstract: A method of automatically extracting a validity period of a driving license is disclosed. The method include: extracting candidate contour regions in an image file of a vehicle driving license and selecting from among the candidate contour regions at least one containing an annual inspection validity period; extracting character contours in each selected candidate contour region; acquiring a smallest circumscribed rectangle of each character contour, and dividing the acquired smallest circumscribed rectangles into individual single-character blocks; sorting these single-character blocks according to their positions in the contour region; recognizing a corresponding character of each single-character block; generating a character string representing the annual inspection validity period using the recognized characters based on the sorting; and extracting and taking time data in the character string as the annual inspection validity period of the contour region.

Abstract: Methods and systems for detecting inaccurate insurance claims associated with a loss event are provided. An insurance provider may receive loss event data associated with the loss event from a variety of sources. The insurance provider may also receive an insurance claim submission from the claimant customer that indicates an insured property and a claimed amount of damage to the insured property. The insurance provider examines the loss event data to estimate an actual amount of damage experienced by the property as a result of the loss event, and compares the actual amount of damage to the claimed amount of damage. Based on the comparison, the insurance provider may approve the insurance claim, deny the insurance claim, or flag the insurance claim. The systems and methods thus aim to reduce fraudulent or otherwise inaccurate insurance claim filings.

Abstract: Methods, computer-readable media, software, and apparatuses provide a system for adjusting a deductible based on a current driving situation. Information regarding the current driving situation related to a vehicle may be obtained from various sources. The information may be used to evaluate a degree of safety of the current driving situation. If the driving situation is deemed to be safe, the deductible may be lowered. The amount the deductible may be lowered may be determined based on insurance information regarding past accidents or past insurance claims. A notification of the adjustment may be output to the driver. Also, the adjustment may be stored with a time associated with the adjustment so that the appropriate deductible is used in case of an accident. Multiple adjustments to the deductible may be made during a single trip as the driving situation changes.

Abstract: Systems and methods for managing a long-term care insurance policy associated with a property are provided. According to certain aspects, configuration data associated with a component installed within the property may be received and analyzed to determine that the component is not included in a long-term care insurance policy of the property. The component may be analyzed to determine a discount associated with the long-term care insurance policy, and the discount may then be applied to the long-term care insurance policy.

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: Tagged driving events may be generated during a driving session from sensor data collected via one or more sensors and/or entered by an instructor. The tagged driving events may include a description of each driving event and its associated severity or weight as it relates to a scoring process as well as a time and/or a location of the driving event. A driving session report may be generated using the tagged driving events and may include a driver feedback score that is weighted based on the severity associated with each of the tagged driving events and/or the collected data, a map of the driving session route that indicates a map location of each tagged driving event, and/or a listing of each tagged driving event. The driving session report may be displayed such that a user may select a tagged driving event to view information associated with the tagged driving event.

Abstract: A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle. A driver is then identified based on the plurality of risk variables, and a risk profile is developed for the driver. The development of the risk profile involves determining the risk associated with at least some of the risk variables and generating a risk index, the risk index being a collective measure of risk associated with the driver.

Abstract: A system and method for measuring a driver's actual driving behaviors (e.g., acceleration, deceleration) in a manual driving mode to determine their preferred driving style, and then causing an autonomous or semi-autonomous vehicle to operate itself, within limits, in accordance with the drivers' driving style when operating in a self-driving mode, thereby providing a more familiar and comfortable driving experience for the driver. Data is collected on the actual driving behavior, any pre-existing data is accessed on the actual driving behavior, and the collected data and the pre-existing data are combined. A custom control is then created based upon the combined data, and the custom control is applied to manage the self-driving behavior of the autonomous or semi-autonomous vehicle in a self-driving mode. Additional data continues to be collected on the actual driving behavior, and the custom control is adjusted based upon the collected additional data.

Abstract: A system and method for the valuation, acquisition, and management of insurance policies whereby specific business methods, algorithms, and systems are utilized to measure specific benchmarks set by risk bearers, affiliates and clients. The benchmarks set are based on the ratios set by the risk bearer based on their specific objectives for profitability. Profitability is measured by a number of factors and ratios to include but not be limited to ROI, ROE, Combined Ratio, Expense Ratio, Loss Ratio.

Abstract: In a case where an actual parking technique of a driver in a parking condition is different from a parking technique shown by a parking technique model generated in a same parking condition, a parking assist apparatus outputs a question to the user about whether or not assistance for the parking operation is desired to park the vehicle. In a case where the driver accepts the assistance for the parking operation, the parking assist apparatus provide the assistance for the parking operation to park the vehicle. Thus, useless parking assistance that the driver does not desire can be prevented, and parking assistance that is truly desired by the driver can be executed.

Abstract: In one embodiment, a method includes assigning a discriminator to a target in communication with a reflector at a network device, identifying at the reflector, a packet comprising the discriminator, the packet transmitted from an initiator in a seamless bidirectional forwarding detection (S-BFD) session, and transmitting a response packet from the reflector to the initiator. The response packet includes information for the target obtained by the reflector through monitoring of the target. The target may comprise a plurality of entities. An apparatus and logic are also disclosed herein.

Abstract: Methods and apparatus provide for an automated system for analyzing damage to insured property. A server may receive images of a scene (e.g., a room, house, apartment, etc.) from a user at a mobile device. The server may analyze the images to create a holistic view of the scene. The server and/or mobile device may be able to generate dimensions of the scene and compare those dimensions to the dimensions of a damaged property at the scene to determine the extent of damage to the property. The server may also be able to detect gaps between images as it creates the holistic view of the scene.

Abstract: Methods and apparatus provide for an automated system for analyzing damage to insured property. A server may receive images of a scene (e.g., a room, house, apartment, etc.) from a user at a mobile device. The server may analyze the images to create a holistic view of the scene. The server and/or mobile device may be able to generate dimensions of the scene and compare those dimensions to the dimensions of a damaged property at the scene to determine the extent of damage to the property. The server may also be able to detect gaps between images as it creates the holistic view of the scene.