Abstract: The present disclosure describes novel systems and methods for a customer to receive information and/or purchase a product or service while interacting with multiple vendors through a single contact/agency. The customer is able to communicate with the agency through a variety of communication modes. The agency adapts the customer's input as necessary to meet the requirements of the vendors and the agency returns information to the customer so that the customer can conveniently interact with the multiple vendors. The systems and methods allow for the customer to stop and restart the process at various points using any of the communication modes. The agency has the ability to present the customer with prospecting, sales, service, upgrades, cross-sells, and other pre- and post-purchase services at the single point-of-contact agency.

Abstract: The present disclosure describes novel systems and methods for a customer to receive information and/or purchase a product or service while interacting with multiple vendors through a single contact/agency. The customer is able to communicate with the agency through a variety of communication modes. The agency adapts the customer's input as necessary to meet the requirements of the vendors and the agency returns information to the customer so that the customer can conveniently interact with the multiple vendors. The systems and methods allow for the customer to stop and restart the process at various points using any of the communication modes. The agency has the ability to present the customer with prospecting, sales, service, upgrades, cross-sells, and other pre- and post-purchase services at the single point-of-contact agency.

Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.

Abstract: A system and method simulate 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 system for collecting vehicle crash data at a vehicle crash site of a vehicle crash is provided. The system may include an emergency response unit that includes an emergency response vehicle and an unmanned aerial vehicle (UAV) that is automatically deployed from the emergency response vehicle at the vehicle crash site. The UAV may be an autonomous or semi-autonomous drone, and include a processor, memory, and sensor, wherein the sensor collects vehicle crash data (such as image, video, or audio) at the crash site. The system may include a remote computing device and an insurance computing device to process the vehicle crash data collected by the UAV and/or initiate a crash insurance claim. The vehicle crash data may be used for one or more insurance-related purposes or activities, such as handling, adjusting, or generating auto or homeowners insurance claims; crash reconstruction; fault determination; damaged vehicle repair; and/or buildup identification.

Abstract: A clinical documentation improvement (CDI) smart scoring method may include predicting, via per-condition diagnosis machine learning (ML) models and based on clinical evidence received by a system, a probability that a medical condition is under-documented and, via per-condition documentation ML models and based on documentation received by the system, a probability that a medical condition is over-documented. The under- and over-documentation scores are combined in view of special indicators and queryability factors, which can also be evaluated using ML query prediction models, to generate an initial CDI score. This CDI score can be further adjusted, if necessary or desired, to account for factors such as length of stay, payer, patient location, CDI review timing, etc. The final CDI score can be used to prioritize patient cases for review by CDI specialists to quickly and efficiently identify meaningful CDI opportunities.

Abstract: Example embodiments are disclosed for receiving dispensation data corresponding to dispensation of a drug associated with a covered entity, mapping a proprietary code to a standardized drug identification code for the drug, retrieving an audit record based on the standardized code, wherein the audit record identifies an order quantity of the drug ordered by the covered entity using a pricing account, allocating the dispensed quantity of the drug to the audit record up to an amount that equals but does not exceed the order quantity, applying a reorder rule to calculate when to reorder the drug, and subsequent to determining to reorder the drug in response to applying the reorder rule, communicating to a distributor an order message comprising the order quantity and the standardized code of the drug to reorder the drug using the pricing account and for causing the distributor to ship the drug.

Abstract: An apparatus for monitoring an object in a video received from at least one camera, comprises a storage unit storing a plurality of pieces of rule information each defining a condition of an object and a movement of the object to be observed in the condition, an input unit inputting information for identifying a monitored object and information representing a condition of the object, an acquiring unit acquiring rule information defining a movement to be observed for the object by referring to the storage unit based on the information representing the condition of the object, which is input by the input unit; and a monitoring unit determining whether the object in the video exhibits the movement to be observed, which is represented by the rule information acquired by the acquiring unit, and output a result of the determination.

Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle accident, in particular, determining fault as part of the subrogation process. An exemplary embodiment may include receiving an electronic notification of a vehicle collision; receiving sensor data (such as telematics, image, audio, vehicle operational, or other sensor data) related to the vehicle collision; determining a percentage of fault of the vehicle collision for one or more vehicles, vehicle systems, and/or drivers based upon, at least in part, analysis of the sensor data collected; and creating a blockchain for the vehicle collision with one or more links to the sensor image data and an indication of the percentage of fault(s) determined to facilitate blockchain-based claim handling.

Abstract: An information handling system may include a motherboard and a floating paddle card. The motherboard may include a host system comprising a host system processor, a logic device configured to perform a functionality of the information handling system in accordance with code stored on non-transitory computer-readable media of the logic device, and a management controller communicatively coupled to the host system processor and the logic device and configured to perform out-of-band management of the information handling system. The floating paddle card may be communicatively coupled to the motherboard and configured to serve as interface between one or more devices coupled to the floating paddle card and the logic device and the management controller, the floating paddle card comprising a microcontroller unit configured to, alone or in combination with other circuitry of the floating paddle card, divide management of the one or more devices between the motherboard and the floating paddle card.

Abstract: An efficient examination of a security threat that may affect a product is enabled. A security information processing device includes threat information model generation means for generating, by use of first threat information including threat information indicating a threat related to security, a threat information model capable of classifying a piece of information as the threat information, collection means for collecting one or more threat information candidates each being a candidate for the threat information, from an information source providing information related to security, and detection means for detecting, by use of information about a component constituting a product and the threat information model, second threat information including the threat information that may affect the product, from the collected one or more threat information candidates.

Abstract: A system includes a vehicle system including one or more sensors that to monitor one or more properties related to an operation of a vehicle. The system also includes a processor that receives expected vehicle usage information from an applicant, a database, publicly available sources, or the like and receive a set of data including the one or more properties from the vehicle system. The set of data is associated with the expected vehicle usage information. The processor may then determine a premium base rate based at least in part on the set of data and a risk associated with the applicant and determine a vehicle rate based at least in part of the set of data and a risk associated with the vehicle. The processor may then display a visualization including the premium base rate and the vehicle rate on a display.

Abstract: A method of determining an injury segment includes training a machine learning model, receiving a loss report, analyzing the loss report using the trained model to determine a severity of an injury, determining, based on the severity of the injury, an injury segment, and storing, via a processor, an indication of the injury segment. A computer system includes a processor configured to train a machine learning model, receive a loss report, analyze the loss report using the trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment. A non-transitory computer readable medium containing program instructions that when executed cause a computer to train a machine learning model, receive a loss report, analyze the loss report using the trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment.

Abstract: Systems and methods for validating outputs from a machine learning model is disclosed. The machine learning model and a statistical model are executed to generate electronic documents in response to customer requests. A random sample of electronic documents generated from the machine learning model and the statistical model are then selected. A comparison is performed between the random sample of electronic documents generated from the machine learning model and the statistical model. The performance of the machine learning model is validated based on results of the comparison.

Abstract: A computer-implemented method for presenting relevant information to a customer service representative of a business may include receiving a digitized data stream corresponding to a spoken conversation between a customer and a representative; converting the data stream to a text stream, determining one or more keywords from the text stream; comparing the one or more keywords with a history of keywords that have previously been searched; and/or searching a database for information related to the one or more keywords that have not been previously searched. As a result of the keyword search, information about topics that the customer is interested in, may be located and displayed on a customer service representative display to facilitate the customer service representative timely relaying the information found by the keyword search to enhance the customer experience. Exemplary keywords may relate to insurance and financial services, such as “auto,” “home,” “life,” “insurance,” or “vehicle loan.

Abstract: A method comprises generating a claim wall comprising a website page and associated with the insurance claim, providing access to the claim wall for an insured party, an insuring party, and a third party service provider, generating a claim entry associated with the insurance claim including one or more tasks for processing of the insurance claim, and posting the claim entry including the one or more tasks on the claim wall.

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: A plan authoring tool can receive user input describing parameters of benefits of a benefit plan. The plan authoring tool can convert the user input into a machine structured plan description (MSPD) that defines the benefit plan. The MSPD can be used by a plan documentation generator to generate one or more plan documents that explain the benefits and/or indicate how to manually adjudicate claims submitted in association with the benefit plan. The MSPD can also be used to automatically adjudicate claims. Plan analysis tools can be used to evaluate an MSPD to validate a new or edited benefit plan and/or provide user feedback on the benefit plan so that users, if desired, can revise the MSPD via the plan authoring tool.

Abstract: A system for wireless acquisition and presentation of local spatial information includes a portable computing device in communication with a wireless receiver, the portable computing device designed and configured to receive a first signal from a first transmitter at a first location, parse the first signal for at least a textual element, extract, from the at least a textual element, an identifier of the first transmitter, establish a spatial bounding constraint as a function of the identifier, retrieve regional descriptive data from a spatial information data structure as a function of the identifier, wherein the regional descriptive data describes information within the spatial bounding constraint, generate a local area description as a function of the regional descriptive data and the spatial bounding constraint, and present the local area description to a user of the portable computing device.

Abstract: At least one aspect of this technical solution is directed to a system for generating a multi-factorial real-time predictive model for healthcare events, with a data processing system comprising memory and one or more processors to obtain a condition metric and a condition period associated with a participant object, generate, based on a model trained using historical condition-service data, a first participation metric for the participant object based on a participant service associated with the condition metric and the participant object, aggregate the first participation metric and the condition period into a first aggregated participation metric, receive, via a computing device associated with the participant object, a selection of an opportunity object associated with the condition metric, the opportunity object corresponding to an opportunity event provided via a third-party application that interfaces with the data processing system, generate, based on the model and the selection of the opportunity obj

Abstract: The present invention relates to a system and method for supporting application resilience. The objective is to engineer fault awareness and recovery capabilities in an application. The system provides a structured, repeatable and comprehensive approach for addressing resilience of IT systems. Further, it proposes a well-defined set of activities and specifies output for each phase which when integrated into regular SDLC will help systematically build resilience into enterprise applications. The system further optimizes the effort involved using a vulnerability based scoring mechanism that provides the right level of engineering needed based on the applications susceptibility to failures and the impact to the customer's business activities.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for autonomous or semi-autonomous vehicles may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of an autonomous or semi-autonomous vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.

Abstract: A system and method for analyzing a service provider of a retirement plan and comparing the service provider against the service providers associated with a group of similar plans is disclosed. In one embodiment, a computer system for evaluating a service provider of a retirement plan comprises a computer server having a database comprising a plurality of data defining a plurality of characteristics of each of a plurality of retirement plans, software configured to identify a subset of the plurality of retirement plans having characteristics comparable to characteristics of the selected retirement plan in view of the type and characteristics of the service provider, software configured to permit the selection of at least one report providing the comparison of the service provider, and software configured to automatically generate and deliver the selected at least one report to a user for display on a user interface.

Abstract: A mobile device initiates automatic action-based product provisioning for rides. The mobile device detects a ride protection trigger and alerts a management server of the detected ride protection trigger. The mobile device also retrieves ride information from a ride application and sends the ride information to the management server. The management server determines a ride action based on the ride protection trigger and the ride information. The management server identifies a product based on the determined ride action and sends the ride information and a request for a dynamic product to a product provisioning server. The product provisioning server generates the dynamic product based on the request and the ride information and sends the generated dynamic product to the management server. The management server may send the dynamic product to the mobile device for display.

Abstract: This insurance premium setting system sets an insurance premium for obtaining compensation for the breakdown of a working machine, when the working machine is rented out. The insurance premium setting system is provided with an insurance premium setting unit which sets the insurance premium on the basis of breakdown-related information which is related to the possibility of breakdown of the working machine, when a user uses the working machine. The breakdown-related information is working information on the working machine, and the insurance premium setting unit sets the insurance premium on the basis of the working information. The working information includes a working load of the working machine, and the insurance premium setting unit sets the insurance premium more expensively, as the working load becomes larger.

Abstract: In one aspect, a system for allocating fault in a collision involving a vehicle is provided. The system may include (1) a sensor coupled to the vehicle and configured to collect contextual data related to the collision, (2) a non-transitory memory configured to store the contextual data, and (3) a processor coupled to the non-transitory memory and configured to (a) gain access to the contextual data, and (b) compute and assign a fault percentage to a driver of the vehicle based upon the contextual data.

Abstract: A system and method for automatically screening applicants for disability insurance in real-time, and if the results are favorable, automatically communicating acceptances and issuing policies via wireless communication. An applicant's BMI is calculated, and the applicant is rejected if the BMI is too high or low. The applicant's prescription drug history is obtained, and the applicant is rejected if the history shows use of a drug associated with a serious medical condition. The acceptance or rejection and a premium for the insurance product may be set based upon the real-time screening results and communicated to the applicant. Additionally, an occupation class assigned to the applicant may be confirmed, a motor vehicle report for the applicant may be obtained, and an insurance information report for the applicant may be obtained. If the applicant is rejected, they may be allowed to apply for the insurance product using an alternate non-real-time process.

Abstract: A system and method to manage liability risk selection in the Small-to-Medium Enterprises business sector facilitates the insurance underwriting and delivery process using a combination of blockchain and Artificial Intelligence technologies. The approval process and the insurance rates are determined using a process that analyzes the answers of potential insureds in response to a set of questions designed by insurance experts to evaluate the performance and the value of the potential insured's organizations. The system also obtains information from social media and news data relating to the businesses of the potential insureds. The system enables an insurance broker to provide real time product delivery and collaboration through a private permissioned blockchain platform.

Abstract: The present invention is a method and system for generating an area of interest for unmanned aerial vehicle (UAV) missions. Using radar and weather data, a mission area may be generated for flights which will maximize efficiency by pre-generating flight paths based on atmospheric and other data. The UAV may include artificial intelligence (AI) capabilities for processing imaging and other sensed data. Post-processing of the data may include additional AI training and processing.

Abstract: A system, method, and computer-readable medium are disclosed for generating security policies. Generating security policies includes gathering information related to an organization, the information related to the organization comprising electronically-observable information related to the organization; converting the electronically-observable information related to the organization into electronic information related to the organization; using the electronic information related to the organization to automatically generate a plurality of organization specific rules; and, generating an organization specific security policy, the organization specific security policy comprising at least one organization specific rule.

Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.

Abstract: A method, system, and non-transitory computer-readable medium for facilitating insurance policy application processing over a communications network includes a processor configured for accepting input data from a customer, accepting further data from the insurance agent, creating a first data structure, encoding changes to the first data structure based on the input data and the further data, and populating the first data structure, generating ancillary documents and transmitting to the customer, creating a second data structure encoding changes to the second data structure based on the first data structure, and populating the second data structure, and transmitting, the second data structure to a third party to initiate transmission of a health questionnaire to the customer. The system further includes a first memory for storing the first data structure and a second memory for storing the second data structure.

Abstract: Methods and systems are provided for clustering data for use in training models to predict a loss metric for insurance. The historical data is cleaned and aggregated to a quarterly time granularity and a zip code geographic granularity, and features on which to generate the clusters are selected. Clusters are generated using one or more clustering algorithms, evaluated, and the best set of clusters is selected. Clusters may be grouped together based on cluster characteristics. Each cluster or group of clusters is used to train a development model and a forecast model for the loss metric. The accuracy of the development and forecast models is evaluated, and the clustering process is repeated until the accuracy and stability of the development and forecast models is sufficient. At each iteration, historical data may be removed and/or hyperparameters of the clustering algorithms may be adjusted.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.

Abstract: Techniques are described for vehicle activity information collection and analysis. A vehicle activity information unit in a vehicle generates vehicle activity information including video data that is captured by interior and/or exterior camera(s) on the vehicle. The vehicle activity information can also include sensor data generated by an accelerometer, a compass, a temperature sensor, a Global Positioning System module, and/or other sensor(s). The vehicle activity information can also include audio data generated by at least one microphone. In some implementations, at least a portion of the vehicle activity information is collected during a period of time that includes an event (e.g., an accident). The information is stored in data storage with an association between the information and the event, and is processed to generate performance data associated with a driver of the vehicle. The performance data can be presented through a user interface to the driver or other(s).

Abstract: Systems and methods of the present disclosure enable injury prediction using one or more processors for receiving a time-varying signal of sensor measurements from a sensor device associated with a user. The processor(s) generate time windows of the time-varying signal, including a series of the sensor measurements across a predetermined time period, and generate motion features based at least in part on the series of the sensor measurements of the time windows. The processor(s) utilize an injury risk classification machine learning model to predict an injury risk during each time window based at least in part on the motion features. An injury alert message is generated based at least in part on the injury risk being predicted; and transmitting the injury alert message to at least one user computing device.

Abstract: Various aspects of the subject technology relate to transmitting driving data for a user to an insurance platform. A system may include one or more sensors configured to receive sensor data. Driving data for the user may be generated based on the sensor data and transmitted to an insurance platform for assessment of an insurance product.

Abstract: In an aspect, a method includes: receiving, via a communications module and from a computing device, a signal comprising image data representing a first document; automatically analyzing text in the first document based on stored classification data to identify a first parameter from the text in the first document; comparing the first parameter to a second parameter, the second parameter being obtained from a data store and being associated with a second document; determining annotation data based on the comparison, the annotation data determined based on the first parameter and the second parameter; and providing a signal that includes an instruction to cause the annotation data to be overlaid on a display of the computing device, the instruction including marker data identifying a location associated with the first document and influencing a location of the annotation in the display.

Abstract: According to some embodiments of the invention, movement measurements may be obtained from a movement sensor (e.g., an accelerometer) of a mobile device in a vehicle. In addition, location measurements may be obtained from a location sensor (e.g., a GPS) of the mobile device in the vehicle. The movement measurements and the location measurements may be cross-referenced to each other to remove erroneous measurements, such as physically impossible measurements. The remaining measurements may be used to draw conclusions about the movements or locations, such as to identify a movement event (e.g., a braking event, an acceleration event, or the like).

Abstract: A system includes an inertial navigation system module (INS module) that detects vehicle yaw rates and vehicle lateral speeds, a controller circuit communicatively coupled with the INS module. The controller circuit determines a tire cornering stiffness (Cf, Cr) based on vehicle physical parameters and vehicle dynamic parameters. The controller circuit determines a vehicle moment of inertia (Iz) based on the vehicle physical parameters, the vehicle dynamic parameters, and the tire cornering stiffness (Cf, Cr).

Abstract: A system server stores and allows access to patient data, and can include a repatriation management system and/or a discharge management system. The repatriation management system provides for transfer of a patient from an admitting out-of-network hospital to a destination in-network hospital. The repatriation management system includes a computer program for analyzing the patient data, analyzing candidate destination hospital data, and calculating matches between the two. The discharge management system provides for transfer of a patient from an acute care hospital environment to a remote care facility. The discharge management system includes a computer program for analyzing the patient data, identifying and formulating resolutions to placement problems, and determining if the patient will be discharged. The system server is networked to allow remote access to the stored data and communication between the admitting hospital, destination hospitals, remote care facilities, and medical transport providers.

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: An electronic device mountable on an autonomous driving vehicle and a method for controlling the same are provided. The electronic device of the disclosure includes: a communicator including circuitry, a memory, and a processor configured to: control the electronic device to receive metadata for map streaming from a server via the communicator based on at least one communication method, determine at least one type of data to be received from the server among a plurality of types of data included in the metadata based on state information of the vehicle and a bandwidth of the at least one communication method, and control the electronic device to receive and provide the determined at least one type of data from the server via the communicator.

Abstract: In an embodiment, a method includes receiving, by a computing device, textual vehicle service content. The method further includes identifying, by the computing device, a vehicle scan tool function relevant to associated text at a location within the textual vehicle service content. The method additionally includes modifying, by the computing device, the textual vehicle service content to include a selectable link at the location of the associated text, wherein the selectable link is selectable to initialize a vehicle scan tool to perform the identified vehicle scan tool function on a vehicle. The method also includes providing, by the computing device, the modified textual vehicle service content including the selectable link.

Abstract: Systems, methods, and techniques for determining optimal safe driving behaviors and optimal safety thresholds of the various parameters for particular routes are disclosed. Historical driver data for a plurality of drivers operating vehicles over various routes during different contextual situations and/or different combinations of conditions along the routes is analyzed to determine respective, relative weightings/contributions of various parameters towards driving safety. Data indicative of a particular driver's behavior along a particular route during a particular set of conditions or contexts is obtained and compared to the analysis results to thereby determine or assess the driver's safety performance. The driver's safety performance may be evaluated in real-time, e.g.

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: Techniques are presented herein for digital task management using an intermediary single-account issue inbox system. The techniques include receiving an email message related to a task, creating a task item related to the email message and assigning an initial digital state to the task item, adding the task item to a list of task items stored in the shared issue tracking system causing display of the list of task items that are associated with one digital state value, and enabling users to input state-change information, and in response to those requests, changing those states in the issue ticket system.

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: One or more devices in a life insurance clearinghouse system may be configured to store and maintain life insurance customer data and policy data. A life insurance clearing house may store, for example, customer information, policy types and terms, and coverage amounts for life insurance policies associated with different life insurance providers. Various systems and devices, such as insurance provider computer hardware memory and processor systems, insurance clearinghouse computer memory and processor devices, and customer terminals, may retrieve life insurance customer data and/or policy data associated with multiple different life insurance providers, from databases in a life insurance clearinghouse.

Abstract: Providing routing based on driver experience is provided. Aspects include receiving a destination from a user, calculating a plurality of routes from an origin to the destination, and comparing characteristics of each of the plurality of routes with previous driving experience information of the user. Aspects also include calculating an associated risk level for each of the plurality of routes based on the comparison and providing, to the user, a listing of the plurality of routes having the associated risk level indicated. Aspects further include receiving a selected route from the user and providing the selected route and the associated risk level to an insurance provider of the user.