Abstract: A method and apparatus is described for performing transaction tracing. The method may include mapping one or more funds flow transactions into each account to one or more funds flow transactions out of said each account based on a first-in-first-out ordering. The method may also include generating an initial graph from the mappings of the transactions for each said account. Furthermore, the method may include transforming the initial graph to a function graph, wherein the functional graph is a directed pseudoforest where each node has an out degree of at most one. Then, the method may include for a node in the functional graph, performing a trace of the transaction generating a set of transactions that contributed to the transaction.

Abstract: An audio system includes an audio apparatus, a charger, and a conveyer. The audio apparatus includes a sound receiver to receive ambient sound, and a battery. The charger charges the battery of the audio apparatus. The conveyer includes a motor to transport the audio apparatus.

Abstract: A system for autonomous risk assessment and quantification for insurance policies for computer and information technology related risks, including but not limited to losses due to system availability, cloud computing failures, current and past data breaches, and data integrity issues. The system will use a variety of current risk information to assess the likelihood of operational interruption or loss due to both accidental issues and malicious activity. Based on these assessments, the system will be able to autonomously issue policies, adjust premium pricing, process claims, and seek re-insurance opportunities with a minimum of human input.

Abstract: Electronic devices and methods for recognizing driving behavior are provided. The electronic devices may perform the methods to obtain first electronic signals encoding movement data associated with the electronic device from the at least one sensor at a target time point; operate logic circuits to determine whether the first electronic signals encoding movement data meets a precondition; and upon the first electronic signals encoding movement data meeting the precondition, send second electronic signals encoding movement data within a predetermined time period associated with the target time point to a remote server.

Abstract: Systems and methods for pet insurance enrollment, adjustment, and utilization are provided herein. In some embodiments, one or more pet insurance offerings and a pet insurance enrollment process are available to a user through a mobile application on a mobile computing device. In some embodiments, a preliminary premium rate is calculated based on background information provided by a user through the mobile application. In some embodiments, a pet tracker forms a portion of the system, and an adjusted premium rate can be calculated based on pet monitoring data received directly or indirectly from the pet tracker. In some embodiments, pet monitoring data acquired from a plurality of pet trackers are used to develop, inform, and refine one or more pet insurance actuarial models.

Abstract: A secure chain of data blocks is maintained at a given computing node. The given computing node is part of a set of computing nodes in a distributed network of computing nodes wherein each of the set of computing nodes maintains the secure chain of data blocks. The secure chain of data blocks maintained at each computing node comprises one or more data blocks that represent one or more accident related transactions associated with a vehicle. In response to a risk assessment operation, one or more data blocks are added to the secure chain of data blocks maintained at the given computing node.

Abstract: A method for cleaning up vehicle driving data includes receiving vehicle driving data of a vehicle within a predetermined time period, the vehicle driving data comprising vehicle mileage data and vehicle status data; determining a first mileage of the vehicle within the predetermined time period based on the vehicle mileage data; determining a second mileage of the vehicle within the predetermined time period based on the vehicle status data; and judging whether the first mileage is abnormal data based on the second mileage.

Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for proactive underwriting are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes identifying, by an insurance processing platform, an action by an entity that matches at least a first trigger rule. A proactive underwriting template is selected based on the at least first trigger rule, where the proactive underwriting template defines a number of data items required to complete the proactive underwriting template. The insurance processing platform is operated to automatically collect data associated with the plurality of required data items, and to perform a proactive underwriting analysis using the collected data. An underwriting determination is then rendered based on the proactive underwriting analysis.

Abstract: A method for electronically determining patient medical treatment eligibility, coverage, copayment amount and insurer billing, by: (a) a patient requesting medical treatment at a retail clinic; (b) the patient presenting a health insurance card at the retail clinic; (c) the retail clinic transmitting patient health insurance card information to a centralized adjudication facility; (d) the retail clinic transmitting medical treatment information to the centralized adjudication facility; (e) the centralized adjudication facility determining patient medical treatment coverage, eligibility and copayment amount (f) transmitting the patient medical treatment coverage, eligibility and copayment amount from the centralized adjudication facility to the retail clinic; (g) the patient purchasing the medical treatment by paying the retail clinic the copayment amount, (h) transmitting a bill to the health care insurance provider; and (i) thereby informing the retail clinic clinician to sell the medical treatment to the pa

Abstract: An automated computer-implemented insurance tracking process comprising allowing an insured to select insurance-related information that can be shared with a particular requestor, automatically saving the selected insurance-related information in a computer memory, and automatically providing, to the particular requestor, digital access to the saved information.

Abstract: Embodiments of methods and systems for dynamic insurance of clients with access to a shared asset pool through a subscription vehicle service are disclosed. An exemplary embodiment of a method for dynamic insurance leverages a subscription vehicle service platform to collect data elements associated with each driver-to-vehicle combination in the subscription vehicle service. Using the collected data elements, embodiments package the data elements according to predefined preferences of one or more insurance providers. When a present driver-to-vehicle combination associated with a given client changes, the packaged data elements are provided to the insurance providers in order to solicit quotations, or approval, or continuation of current policy for the new driver-to-vehicle combination. In this way, constantly updated data elements derived from the client's use of the service provide accurate information for optimized insurance coverage based on the client's active driver-to-vehicle combination.

Abstract: According to certain aspects, a computer-implemented method for operating an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, an identity of a vehicle operator may be identified and a vehicle operator profile may be retrieved. Operating data regarding autonomous operation features operating the vehicle may be received from vehicle-mounted sensors. When a request to disable an autonomous feature is received, a risk level for the autonomous feature is determined and compared with a driver behavior setting for the autonomous feature stored in the vehicle operator profile. Based upon the risk level comparison, the autonomous vehicle retains control of vehicle or the autonomous feature is disengaged depending upon which is the safer driver—the autonomous vehicle or the vehicle human occupant. As a result, unsafe disengagement of self-driving functionality for autonomous vehicles may be alleviated.

Abstract: The present disclosure relates to systems and methods for generating real-time quotes using machine learning algorithms. The system may include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device, extracting one or more features from the image, based on the extracted features and using a machine learning algorithm, identifying one or more attributes of the vehicle, based on the identified attributes of the vehicle, determining a make and a model of the vehicle, obtaining comparison information based at least in part on the determined make and model, estimating a quote for the vehicle based on the comparison information; and transmitting the estimated quote for display on the client device.

Abstract: A query processing server for providing scalable architectures in repricing is provided. The query processing server includes a gateway platform for processing communications and a repricing engine. The query processing server processor is configured to receive a repricing request from a frontend server. The query processing server processor is also configured to define a set of repricing periods. The query processing server processor is further configured to transmit a creation instruction to the repricing database server to create a repricing status database and queue. The query processing server processor is also configured to determine a set of claims data queries for execution based on the set of scenario data and to query the repricing database server with the set of claims data queries. The query processing server processor is configured to perform a repricing analysis using the set of claims data responses and the set of repricing periods.

Abstract: A computer system includes a memory configured to store instructions and a processor in communication with the memory. The processor upon execution of the instructions effectuates operations configured to prompt a user to select, via a graphical user interface, at least one selected component of a vehicle and provide a plurality of component types compatible with the selected component, the plurality of component types including a custom component type. The operations are further configured to prompt the user to select a custom component type from the plurality of component types for the selected component, generate a customized image including the custom component type based on an initial image and the custom component type, provide the customized image to a user, determine a premium associated with an insurance policy covering the vehicle, wherein the premium is based on the custom component type, and provide the premium to the user.

Abstract: This application discloses methods, systems, and computer-implemented virtualization software applications and computer-implemented graphical user interface tools for remote virtual visualization of structures. Images are captured by an imaging vehicle of a structure and the captured images are transmitted to a remote server via a communication network. Using virtual 3D digital modeling software the server, using the images received from the imaging vehicle, generates a virtual 3D digital model of the structure and stores it in a database. This virtual 3D digital model can be accessed by remote users, using virtualization software applications, and used to view images of the structure. The user is able to manipulate the images and to view them from various perspectives and compare the before-the-damage images with images taken after damage have occurred. Based on all this the user is enabled to remotely communicate with an insurance agent and/or file an insurance claim.

Abstract: An information providing apparatus according to an aspect includes an acquirer configured to acquire information on anthropomorphic characters correlated with a battery that stores power for allowing a vehicle to travel, and an information provider configured to provide information on a competition between the anthropomorphic character correlated with the battery and another anthropomorphic character when the vehicle is connected to a charging facility that supplies power to the battery to charge the battery.

Abstract: Systems and methods receive vehicle operating information from an onboard vehicle system, wherein the vehicle operating information includes data indicative of a first amount of time an operator is in active control of the vehicle to the system during a period, and wherein the vehicle operating information includes data indicative of a second amount of time that the vehicle operates autonomously during the period. The systems and methods thereafter calculate an insurance rate for a subsequent period based on both the first amount of time the vehicle operator is in active control of the vehicle and the second amount of time the vehicle is operated autonomously.

Abstract: A computer system for determining personalized loss event valuations is provided. The computer system includes one processor in communication with at least one memory device, and the at least one processor is programmed to: (i) receive user data from the user computer device, wherein the user data include data related to a user's personal information and personal property, (ii) utilize a trained machine learning model to determine a first loss valuation associated with a first loss event based at least in part upon the user data, (iii) utilize the trained machine learning model to determine a second loss valuation associated with a second loss event based at least in part upon the user data, wherein the first loss event and the second loss event are different loss events, and/or (iv) generate a loss event policy that includes the first loss valuation and the second loss valuation.

Abstract: Millions of bodily injury insurance claims are filed yearly to help people who've suffered accidents from work, slip-and-falls, and auto collisions. In processing these claims, insurance companies, TPAs, and law firms routinely hire experts, such as physicians, to conduct independent medical evaluations (IMEs) to assist claims adjusters and attorneys in analyzing the eligibility of claimants for indemnity and medical benefit payments. IMEs typically cost thousands of dollars each. Yet, many are ordered too early, wasting money that could otherwise be used to reduce insurance premiums. To reduce this waste, the inventors devised, among other things, one or more exemplary systems which not only predict the outcomes of IMEs based on claimant medical records and/or or activity data before ordering them, but also presents selected claims and predictions within a graphical user interface that facilitates ordering the IMEs from a list of available physicians.

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

Abstract: A system for generating and managing usage-based contracts using blockchains configured to (i) store an insurance contract for a currently occurring or upcoming trip, where the insurance contract is to insure the driver, passenger, and/or vehicle during the trip, where the insurance contract includes terms, conditions, or other clauses (e.g., mileage limitations, limitations on autonomous vehicle operation, etc.) and is in a blockchain structure, and where several nodes store copies of the insurance contract in the blockchain structure; (ii) receive, from the driver and/or (autonomous) vehicle, a requested modification of one or more terms, conditions, or other clauses of the insurance contract, (iii) transmit the requested modification to an insurance auction network, (iv) receive a response to the request from the insurance auction network; and (v) store the response in a new block in the insurance contract (e.g., a smart contract) to facilitate providing trip insurance in a transparent manner.

Abstract: The present invention relates to a method, a system, and the associated software. With respect to the method, it is best characterized as a method of providing a user with an estimate of an aviation insurance premium from one or more vendors. The method may include receiving an aircraft identification input, transmitting user input information to one or more aviation insurance vendors, and displaying received aviation insurance premium estimates from one or more vendors. The system is best characterized as a system for administering aviation insurance estimates. In order to accomplish desired objectives, the system employs certain associated software to allow users to receive multiple aviation insurance premium quotes from one or more vendors.

Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, video data of a vehicle in an original state, store, in the memory, at least some of the video data of the vehicle and associate the stored video data with an account, receive, via the communications module and from the remote computing device, an indication of a claim, the indication associated with an account identifier, retrieve, using the account identifier and from the memory, the video data of the vehicle in the original state from the memory, and send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the video data of the vehicle in the original state.

Abstract: Aspects of the disclosure relate to computing platforms that utilize improved mitigation analysis and policy management techniques to improve onboarding security. A computing platform may initiate an onboarding process with a mobile device. The computing platform may receive one or more onboarding verification inputs indicative of a user identity. The computing platform may send commands directing a mitigation analysis and output generation platform to analyze the onboarding verification inputs. The computing platform may receive a mitigation output indicating a degree of correlation between the one or more received onboarding verification inputs and expected onboarding verification inputs.

Abstract: Methods and systems are provided for providing preemptive actions for predicted data loss during connected gaming using mobile client devices. One example method includes receiving, by a server, data loss from a plurality of mobile client devices. The data loss is used to construct a data loss map that indicates connection quality between said plurality of mobile client devices to the server. The connection quality identifying geolocation data for said plurality of mobile client devices for constructing and updating said data loss map. The method includes receiving, by the server, navigation data for a mobile client device while streaming gameplay from the server. The navigation data is used to identify a route of travel for said mobile client device. The method includes identifying, by the server, a predicted data loss event for the mobile device client. The predicted data loss event is identified using the data loss map and tracking movement of said mobile device client along the route of travel.

Abstract: Systems and methods are disclosed for guidance, control, and testing of autonomous vehicle features and a driver's response thereto. The system may activate a plurality of autonomous driving features of an autonomous vehicle. In response to a determination to initiate a driving test, the system may generate an indication to a driver of the autonomous vehicle of the initiation of the driving test and may deactivate or adjust parameters of one or more of the plurality of autonomous driving features. The system may receive, from one or more sensors of the autonomous vehicle or one or more sensors of a mobile computing device within the autonomous vehicle, driving data associated with the autonomous vehicle. Based on the driving data associated with the autonomous vehicle, the system may determine the driver's response time and actions taken by the driver during the driving test.

Abstract: A system and method for the detection and mitigation of Kerberos golden ticket, silver ticket, and related identity-based cyberattacks by passively monitoring and analyzing Kerberos and authentication operations within the network. The system and method provide real-time detections of identity attacks using time-series data and data pipelines, and by transforming the stateless Kerberos protocol into stateful protocol. A packet capturing agent is deployed on the network where captured time-series Kerberos and related event and log information is processed in distributed computational graph (DCG) stages where declarative rules determine if an attack is being carried out and what type of attack it is.

Abstract: A system for autonomous issuance and management of insurance policies for computer and information technology related risks, including but not limited to losses due to system availability, cloud computing failures, current and past data breaches, and data integrity issues. The system will use a variety of current risk information to assess the likelihood of operational interruption or loss due to both accidental issues and malicious activity. Based on these assessments, the system will be able to autonomously issue policies, adjust premium pricing, process claims, and seek re-insurance opportunities with a minimum of human input.

Abstract: Personalized insurance systems, including vehicle-based devices and modules, insurance system servers, personal mobile devices, and other computing devices, may operate individually or in combination to determine and implement personalized vehicle insurance policies. Such policies may be driver-specific, time-specific, vehicle-specific, and/or driving-trip specific. Various driver data, vehicle data, and driving trip data may be received and analyzed in order to determine usage-based insurance parameters for vehicle driving and non-driving activities. Personalized vehicle insurance policies may be presented to and accepted by drivers, after which the drivers and one or more associated vehicles may be monitored to detect and store vehicle usage data in accordance with the personalized insurance policy.

Abstract: A system may include a telematics device associated with a vehicle, a first computing device, a second computing device associated with a driver of the vehicle, a database, and a driving behaviors analysis server. The driving behaviors analysis server may receive, from the telematics device, driving data of the driver of the vehicle and identify one or more driving behaviors of the driver based on the driving data. The driving behaviors analysis server may assign a driver safety rating to the driver based on the identification and may determine one or more rated vehicles with safety ratings that correspond to or are similar to the driver safety rating assigned to the driver based on parsing data regarding a plurality of rated vehicles in the database. Further, the driving behaviors analysis server may generate and send a customized recommendation to the driver presenting information regarding the one or more rated vehicles.

Abstract: The disclosure includes embodiments for providing a vehicle risk evaluation and a modification for an onboard system of a vehicle to improve the operation of the onboard system. In some embodiments, a method includes generating a digital twin of a vehicle. The method includes receiving digital data recorded by a sensor and describing a condition of the vehicle as it exists in a real-world and a behavior of the vehicle as operated in the real-world. The method includes updating the digital twin of the vehicle based on the digital data so that the digital twin is consistent with the condition and the behavior.

Abstract: Method and system for validating a plurality of policies. For example, a computer-implemented method includes receiving a plurality of policies, each policy of the plurality of policies associated with a policy lifecycle including one or more validation actions, each validation action of the one or more validation actions being associated with an action time; mapping the one or more validation actions associated with each policy of the plurality of policies on a common timeline of a shared clock; and determining the plurality of validation times based at least in part upon the action time associated with each validation action of the one or more validation actions by at least one of: minimizing the amount of validation times of the plurality of validation times; and maximizing the amount of validation actions contained within each validation time of the plurality of validation times on average across the plurality of validation threads.

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 mobile electronic device such as a smartphone is used in conjunction with a deep learning system to detect and respond to personal danger. The deep learning system monitors current information (such as location, audio, biometrics, etc.) from the smartphone and generates a risk score by comparing the information to a routine profile for the user. If the risk score exceeds a predetermined threshold, an alert is sent to the smartphone which presents an alert screen to the user. The alert screen allows the user to cancel the alert (and notify the deep learning system) or confirm the alert (and immediately transmit an emergency message). Multiple emergency contacts can be designated, e.g., one for a low-level risk, another for an intermediate-level risk, and another for a high-level risk, and the emergency message can be sent to a selected contact depending upon the severity of the risk score.

Abstract: A system for subscribing insurance policies from geolocated mobile devices, that uses geolocation to allow customers to select a suitable policy and finalize a purchase thereof, the system enabling selection of a policy from a plurality of policies categorized or automatically suggested according to user preferences, reservation of special contractual conditions, entering of necessary documents from a mobile device, and purchasing of policies online from the mobile device, the system including a mobile application that operates on the mobile device and a central infrastructure that includes user and insurance policy databases, a policy-position element generator, and a generator of insurance proposals, based on machine learning algorithms.

Abstract: Methods, systems, computer program products, and apparatus relating to an item inventory and item replacement are provided. In one embodiment a method for automatic processing of an insurance claim is provided. The method comprises (a) receiving one or more item indicators, each item indicator associated with an item in an insurance claim for an insured party; (b) for a particular item indicator of the one or more item indicators, automatically identifying an item listing associated with the particular item indicator from an item inventory, the item listing identified based at least in part on the particular item indicator; and (c) indicating the item listing as a replacement item for the particular item. Indicating the item listing as a replacement item for the particular item comprises adding the item listing to an electronic shopping cart.

Abstract: This system is directed to the management of insurance information, risks and coverage, wherein a set of non-transitory computer readable instructions included in a kiosk disposed at the construction site can include instructions for creating a certificate of insurance according to a determination that the insurance requirements have been met and storing the certificate of insurance in the distributed ledger.

Abstract: Methods, apparatus and systems for managing subrogation cases are described.

Abstract: A digital promotion processing system may include user devices each associated with a respective user. Each respective user may have a social media account associated therewith. The system may also include a digital promotion server that includes a memory and a processor coupled thereto and configured to determine liked food content on a social media platform for a given user based upon the corresponding social media account. The liked food content may include at least one liked food ingredient. The processor may also be configured to determine a matching recipe including food ingredients and associated preparation instructions. At least one of the food ingredients may include the at least one liked food ingredient. The processor may generate a digital promotion for at least one of the food ingredients of the matching recipe, and communicate the matching recipe and the digital promotion to the corresponding user device of the given user.

Abstract: Systems and methods for selective and real-time data display generally include a graphical user interface configured to display in real-time, data to a user based on a dynamically-guided subsystem having a task engine, a timing engine, a location engine, a data integration engine, and a display engine. An analysis sub-engine can analyze the received data and package it for delivery to target databases.

Abstract: A watercraft includes an information acquirer and a controller. The controller starts data transmission when a communication start condition based on at least one of a reception strength of a radio wave received by a communication terminal from a base station, a rotation speed of an engine, a traveling speed of a hull, and a state of a shift device is satisfied, and does not start the data transmission when the communication start condition is not satisfied.

Abstract: Systems and methods are configured to determine whether a particular information object is a duplicate of an object found in separate information objects. In various embodiments, the particular information object and each separate information object includes a set of data fields for storing data values that allows identical values to be stored in different fields for the objects. The data values for the particular information object are combined to form a data structure that includes a data element for each value. A determination as to whether the particular information object is an exact or partial match of a separate information object is made by performing a function on the data structure for the particular information object and a data structure for the separate information object to identify an intersection that includes data values for the particular information object that have an identical match with values for the separate information object.

Abstract: A blockchain-based resource transfer method, includes: when a resource transfer condition is satisfied, determining a first amount of a to-be-transferred first resource; determining a second amount of a to-be-transferred second resource according to the first amount of the first resource, wherein a type of the first resource is different from a type of the second resource; initiating, by a resource transferor, a transaction request to a blockchain, to transfer the to-be-transferred second resource to a resource transferee, wherein the transaction request comprises first encrypted amount information obtained by encrypting the second amount of the second resource based on a first encrypting function, wherein inputs of the first encrypting function include the second amount of the second resource and a public key of the resource transferee; and after the blockchain verifies the transaction request, executing the transaction request, transferring the to-be-transferred second resource to the resource transferee, a

Abstract: Various embodiments are provided for learning policy explanations in a computing environment by a processor. One or more explanations may be provided that justify validity or invalidity of a claim based on one or more rules extracted from one or more segments of text data of a policy data source using a machine learning operation.

Abstract: A system and method are provided for automatically estimating a repair cost for a vehicle. A method includes: receiving, at a server computing device over an electronic network, one or more images of a damaged vehicle from a client computing device; performing image processing operations on each of the one or more images to detect external damage to a first set of parts of the vehicle; inferring internal damage to a second set of parts of the vehicle based on the detected external damage; and, calculating an estimated repair cost for the vehicle based on the detected external damage and inferred internal damage based on accessing a parts database that includes repair and labor costs for each part in the first and second sets of parts.

Abstract: A method for posting of auditable, immutable data to a blockchain includes: receiving a blockchain including a plurality of blocks, each block including at least a block header and one or more transaction values, wherein each transaction value includes at least a transaction hash; receiving a data file associated with a specific transaction hash included in a block in the blockchain, wherein the data file includes one or more variables; modifying at least one of the one or more variables included in the data file; generating a new hash value via application of one or more hashing algorithms to the modified data file; generating a new transaction value based on at least the generated new hash value and the specific transaction hash; digitally signing the generated new transaction value; and electronically transmitting the signed new transaction value.

Abstract: Aspects of the present disclosure relate to using vehicle telematics to detect, evaluate, and respond to driving behaviors observed during a trip in a vehicle. The vehicle telematics information may characterize the observed driving behaviors, the segments traveled in the vehicle, and type of use of the vehicle. A rate to charge a driver may be based on the observed driving behaviors and a range of rates associated with the driver. The rate may fluctuate across a series of observation periods based on the driving behaviors observed during those observation periods. The rate may be presented to the driver in real-time while the driver operates a vehicle during a trip. The rate to charge the driver may further be based on use of the vehicle for personal use, ride shares, or vehicle shares.

Abstract: Text input data for an electronic record may be aggregated and mapped to create composite text input data. A semantic event in the composite text input data may be automatically detected, and a text mining result database may be updated by adding an entry identifying the detected semantic event and a triggering semantic rule. An indication of the electronic record may then be transmitted to a back-end application computer server that also determines at least one parameter corresponding to a characteristic of the electronic record. The computer server may then execute a computerized predictive model to predict a future performance characteristic indicator for the electronic record based on the at least one parameter and the indication received from the text mining platform, wherein the future performance characteristic indicator is indicative of a likelihood of an actual value of the electronic record differing from a predicted value of the electronic record.

Abstract: Systems and apparatuses for generating object dimension outputs and predicted object outputs are provided. The system may collect an image from a mobile device. The system may analyze the image to determine whether it contains one or more standardized reference objects. Based on analysis of the image and the one or more standardized reference objects, the system may determine an object dimension output. The system may also determine a predicted object output that includes additional objects predicted to be in a room corresponding to the image. Using object dimension outputs and the predicted object output, the system may determine an estimated repair cost.