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1. 发明申请

US20160063635A1 System, Method, and Apparatus for Flood Risk Analysis 审中-公开
标题翻译：洪水风险分析的系统，方法和装置
公开(公告)号：US20160063635A1
公开(公告)日：2016-03-03
申请号：US14215966
申请日：2014-03-17
申请人： Emmett Collazo , Thomas Little , Winfield Scott Anderson, JR.
发明人： Emmett Collazo , Thomas Little , Winfield Scott Anderson, JR.
IPC分类号： G06Q40/08 , H04N5/225 , G06K9/00 , G06T7/00 , G06Q50/08 , G06F17/30
CPC分类号： G06Q40/08 , G06Q50/08 , Y02A10/46 , Y02A10/48
摘要： A method, system, apparatus and computer readable storage medium is provided for taking information related to a specific real property structure, including customer information; information regarding uses of real property (residential, industrial, commercial, living spaces, crawl spaces, etc.); elevation, slope, and grade information; base flood elevation data; flood depth; use of flood mitigation devices (e.g., breakaway walls, flood vents); survey information; the use of design professionals in mitigation of risk; and other matters; and using this information to identify means of reducing risk, including use of, or repositioning of, flood mitigation devices; reinforcement of structures, use of design professionals, and other matters, in order to assess and mitigate risk.The invention also relates to means for quantifying and reducing excess risk coverage premiums for homes not covered by National Flood Insurance Program flood plain insurance, or for excess insurance coverage over minimum required insurance amounts.
摘要翻译：提供了一种方法，系统，装置和计算机可读存储介质，用于获取与特定不动产结构相关的信息，包括客户信息; 关于不动产（住宅，工业，商业，生活空间，爬行空间等）使用的信息; 海拔，坡度和坡度信息; 基地洪水高程数据; 洪水深度; 使用防洪设备（例如，隔离墙，洪水通风口）; 调查资料; 使用设计专家来减轻风险; 等事宜; 并使用这些信息来确定减少风险的方法，包括使用或重新定位防洪装置; 加强结构，使用设计人员以及其他事宜，以评估和减轻风险。本发明还涉及用于量化和减少国家洪水保险计划泛滥保险未涵盖的住房的超额风险保险费用的手段，或超过最低所需保险金额的超额保险。

2. 发明申请

US20160055595A1 SYSTEMS AND METHOD FOR QUANTIFYING FLOOD RISK 审中-公开
标题翻译：用于量化风险的系统和方法
公开(公告)号：US20160055595A1
公开(公告)日：2016-02-25
申请号：US14932134
申请日：2015-11-04
申请人： CORELOGIC SOLUTIONS, LLC
发明人： Mark Charles GREEN , Lee Jason SEARS , Wei DU , Jeff C. HIMMELRIGHT , Kevin Eugene MADDEN
IPC分类号： G06Q40/08 , G06Q50/16
CPC分类号： G06Q40/08 , G06N5/048 , G06Q50/16 , G06Q90/00 , Y02A10/46 , Y02A10/48
摘要： In various embodiments, a flood risk score may be determined for a property point that provides a comprehensive assessment of the property point's risk of flooding. Determining the flood risk score may include determining a flood risk characteristic for the property point and assigning a flood risk score that corresponds to the flood risk characteristic. In some embodiments, flood risk characteristics may include a difference in elevation between the elevation of the property point and an elevation of a calculated point (e.g., on a known flood risk zone boundary). Flood risk characteristics may also include a flood zone determination for the property point and/or proximity of the property point to a known flood risk zone boundary or a flood source. In some embodiments, flood risk scores may be provided on flood risk score reports.
摘要翻译：在各种实施例中，可以为提供对特征点的洪水风险的综合评估的属性点确定洪水风险评分。确定洪水风险评分可能包括确定物业点的洪水风险特征，并分配与洪水风险特征相对应的洪水风险评分。在一些实施例中，洪水风险特征可以包括属性点的升高与计算点的高程之间的高度差（例如，在已知的洪水风险区域边界上）。洪水风险特征还可包括洪水区确定物业点和/或属性点与已知洪水风险区域边界或洪水源的接近度。在一些实施例中，可以在洪水风险评分报告上提供洪水风险评分。

3. 发明授权

US09213994B2 Systems and methods for quantifying flood risk 有权
标题翻译：用于量化洪水风险的系统和方法
公开(公告)号：US09213994B2
公开(公告)日：2015-12-15
申请号：US14179018
申请日：2014-02-12
申请人： CORELOGIC SOLUTIONS, LLC
发明人： Mark Charles Green , Lee Jason Sears , Wei Du , Jeff C. Himmelright , Kevin Eugene Madden
IPC分类号： G01V3/38 , G06Q40/08 , G06Q90/00 , G06N5/04
CPC分类号： G06Q40/08 , G06N5/048 , G06Q50/16 , G06Q90/00 , Y02A10/46 , Y02A10/48
摘要： In various embodiments, a flood risk score may be determined for a property point that provides a comprehensive assessment of the property point's risk of flooding. Determining the flood risk score may include determining a flood risk characteristic for the property point and assigning a flood risk score that corresponds to the flood risk characteristic. In some embodiments, flood risk characteristics may include a difference in elevation between the elevation of the property point and an elevation of a calculated point (e.g., on a known flood risk zone boundary). Flood risk characteristics may also include a flood zone determination for the property point and/or proximity of the property point to a known flood risk zone boundary or a flood source. In some embodiments, flood risk scores may be provided on flood risk score reports.
摘要翻译：在各种实施例中，可以为提供对特征点的洪水风险的综合评估的属性点确定洪水风险评分。确定洪水风险评分可能包括确定物业点的洪水风险特征，并分配与洪水风险特征相对应的洪水风险评分。在一些实施例中，洪水风险特征可以包括属性点的升高与计算点的高程之间的高度差（例如，在已知的洪水风险区域边界上）。洪水风险特征还可包括洪水区确定物业点和/或属性点与已知洪水风险区域边界或洪水源的接近度。在一些实施例中，可以在洪水风险评分报告上提供洪水风险评分。

4. 发明申请

US20170154383A1 Personal Disaster Insurance 审中-公开
公开(公告)号：US20170154383A1
公开(公告)日：2017-06-01
申请号：US15189906
申请日：2016-06-22
申请人： Darren Wood
发明人： Darren Wood
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , Y02A10/48
摘要： The process disclosed herein provides methods for the provision of Personal Disaster Insurance (PDI) which allow an insured to obtain unique protections against the event of an untoward event such as a natural disaster and, further, provides claim processes which are accomplished by use of the insured's cellular telephone. PDI products covered by various embodiments of this invention provide property and collateral damage coverage designed to make the consumer whole in a manner not currently available to consumers, which is based on unique risk management oversight of a defined geographic area. The insurance is payable upon claims verification based upon the impact to the insured resulting from a natural disaster or “trigger” event occurring at the policyholder's home of record, or other covered location. The coverage provides a lump sum cash benefit of the full policy coverage amount or other appropriate benefit to policyholders impacted by natural disasters or other named events that dramatically impact the daily life of an insured. Covered disasters may include, but are not limited to: hurricane, tornado, tsunami, earthquake, blizzard, prolonged power outage, terrorist attack, and major flooding.

5. 发明申请

US20140156316A1 DISPLAYING A FLOOD CHANGE MAP WITH CHANGE DESIGNATORS 审中-公开
标题翻译：用变更指示器显示变更地图
公开(公告)号：US20140156316A1
公开(公告)日：2014-06-05
申请号：US14176447
申请日：2014-02-10
申请人： CORELOGIC SOLUTIONS, LLC
发明人： David R. MALTBY, II
IPC分类号： G06Q40/08 , G06Q50/16
CPC分类号： G06Q40/08 , G06Q40/025 , G06Q50/16 , G06T17/05 , Y02A10/46 , Y02A10/48
摘要： In various embodiments, old flood maps may be compared to new flood maps to determine which areas of the flood map have changed. These changed areas may be correlated against geographic area descriptions that are within changed areas of the flood map. The changed areas may also be analyzed to determine whether each area has had a change in. status (e.g., from a high risk flood zone to a non-high risk flood zone or vice versa) or a change in zone within a status (e.g., from one flood zone to another flood zone). The information on type of change (or no change) may be used to populate a database that includes geographic area description identifiers. In some embodiments, detection of certain types of changes may initiate a manual comparison of the old and new flood maps to verify the change.
摘要翻译：在各种实施例中，可以将旧的洪水图与新的洪水地图进行比较，以确定洪水地图的哪些区域已经改变。这些变化的区域可能与洪水图变化区域内的地理区域描述相关。还可以对变化的区域进行分析，以确定每个区域是否有变化状态（例如，从高风险洪水区到非高风险洪水区，反之亦然）或状态变化（例如，，从一个洪水区到另一个洪水区）。可以使用关于变化类型（或不改变）的信息来填充包括地理区域描述标识符的数据库。在一些实施例中，某些类型的变化的检测可以启动旧的和新的洪水图的手动比较以验证变化。

6. 发明授权

US08306258B2 System and method for assessing a condition of an insured property 有权
标题翻译：用于评估被保险财产状况的制度和方法
公开(公告)号：US08306258B2
公开(公告)日：2012-11-06
申请号：US13301281
申请日：2011-11-21
申请人： Patrick D. Brown
发明人： Patrick D. Brown
IPC分类号： G06K9/00
CPC分类号： G06Q40/08 , G06K9/0063 , G06K2009/00644 , G06K2009/4657 , Y02A10/46 , Y02A10/48
摘要： A system and method for assessing a condition of property for insurance purposes includes a sensor for acquiring a spectral image. In a preferred embodiment, the spectral image is post-processed to generate at least one spectral radiance plot, the plot used as input to a radiative transfer computer model. The output of the model establishes a spectral signature for the property. Over a period of time, spectral signatures can be compared to generate a spectral difference, the difference attributed to a change in the condition of the property, such as a fire or flood. In response to the change, an insurance company initiates an insurance-related action such as processing a claim.
摘要翻译：用于评估用于保险目的的财产状况的系统和方法包括用于获取光谱图像的传感器。在优选实施例中，对光谱图像进行后处理以产生至少一个光谱辐射图，该图用作辐射传送计算机模型的输入。模型的输出建立属性的光谱签名。在一段时间内，可以比较光谱特征以产生光谱差异，这归因于属性状况的变化，如火灾或洪水。为了应对这一变化，保险公司发起与保险有关的诉讼，如处理索赔。

7. 发明授权

US08081795B2 System and method for assessing a condition of property 有权
标题翻译：评估财产状况的制度和方法
公开(公告)号：US08081795B2
公开(公告)日：2011-12-20
申请号：US12117867
申请日：2008-05-09
申请人： Patrick D. Brown
发明人： Patrick D. Brown
IPC分类号： G06K9/00
CPC分类号： G06Q40/08 , G06K9/0063 , G06K2009/00644 , G06K2009/4657 , Y02A10/46 , Y02A10/48
摘要： A system and method for assessing a condition of property for insurance purposes includes a sensor for acquiring a spectral image. In a preferred embodiment, the spectral image is post-processed to generate at least one spectral radiance plot, the plot used as input to a radiative transfer computer model. The output of the model establishes a spectral signature for the property. Over a period of time, spectral signatures can be compared to generate a spectral difference, the difference attributed to a change in the condition of the property, such as a fire or flood. In response to the change, an insurance company initiates an insurance-related action such as processing a claim.
摘要翻译：用于评估用于保险目的的财产状况的系统和方法包括用于获取光谱图像的传感器。在优选实施例中，对光谱图像进行后处理以产生至少一个光谱辐射图，该图用作辐射传送计算机模型的输入。模型的输出建立属性的光谱签名。在一段时间内，可以比较光谱特征以产生光谱差异，这归因于属性状况的变化，如火灾或洪水。为了应对这一变化，保险公司发起与保险有关的诉讼，如处理索赔。

8. 发明申请

US20080243678A1 Loss impact tracking system and method 有权
标题翻译：损失跟踪系统和方法
公开(公告)号：US20080243678A1
公开(公告)日：2008-10-02
申请号：US11727884
申请日：2007-03-28
申请人： Craig Hooley , Honey Kalla , Hari Vivek , Paul Lindemann , Esteban C. Vivanco
发明人： Craig Hooley , Honey Kalla , Hari Vivek , Paul Lindemann , Esteban C. Vivanco
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/025 , Y02A10/46 , Y02A10/48
摘要： Methods and systems for assisting analysis of potential gain or loss associated with acquiring property, and analysis of data related to disaster (such as due to flood, fire, etc.) affected properties with delinquent payments to determine the appropriate equity decision regarding a foreclosure action on one or more liens associated with the property. Loans and information associated therewith are assigned to one of the status queues that include a queue for loans eligible for review, a queue for loans reviewed based on the analysis, a queue for loans having a certain risk factor associated therewith, a queue for loans designated for foreclosure, a queue for loans having a certain lien position associated therewith, a queue for loans designated for bid-at-sale, and a queue for loans designated for disposition without any further action by the lender. Multiple liens associated with a subject property can be displayed and analyzed to facilitate assessment of the loan and recommendations for disposition thereof. Insurance payment information for disaster-affected underlying properties is displayed and can be taken into account when assessing the loan and formulating recommendations for disposition thereof.
摘要翻译：协助分析与获得财产相关的潜在收益或损失的方法和系统，以及与灾害有关的数据（如洪水，火灾等）的分析影响了拖欠款项的财产，以确定关于止赎行为的适当的股权决定在一个或多个与该财产相关联的留置权。贷款和相关信息被分配到一个状态队列中，其中包括用于有资格进行审查的贷款的队列，用于基于分析审查的贷款的队列，具有与之相关的特定风险因素的贷款的队列，指定的贷款的队列为了取消止赎权，排放与其相关的一定留置权的贷款，指定用于买卖的贷款的排队，以及指定用于处置的贷款的排队，而没有贷款人进一步的行动。可以显示和分析与主题财产相关的多个留置权，以便于评估贷款和处理建议。显示灾害影响的基础物业的保险支付信息，在评估贷款和制定其处置建议时可以考虑。

9. 发明申请

US20080103841A1 Index and risk-linked reinsurance product 有权
标题翻译：指数和风险相关的再保险产品
公开(公告)号：US20080103841A1
公开(公告)日：2008-05-01
申请号：US11977897
申请日：2007-10-25
申请人： Christopher Lewis , Richard Alleyne
发明人： Christopher Lewis , Richard Alleyne
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q10/0635 , G06Q40/04 , Y02A10/46 , Y02A10/48
摘要： Disclosed is a novel insurance product that provides additional reinsurance coverage to mitigate risks associated with catastrophic events which adversely affect property and casualty insurance rates. The reinsurance product contains one or more tiers of protection which allows a purchaser to vary the coverage related to one or more catastrophic events, such as an earthquake, a hurricane, or a flood.
摘要翻译：披露一种新颖的保险产品，提供额外的再保险覆盖，以减轻与灾难性事件相关的风险，这些风险对财产和伤亡险率造成不利影响。再保险产品包含一个或多个保护层，允许购买者改变与一个或多个灾难性事件相关的覆盖范围，例如地震，飓风或洪水。

10. 发明申请

US20050075911A1 Method for producing, selling, and delivering data required by mortgage lenders and servicers to comply with flood insurance monitoring requirements 审中-公开
标题翻译：生产，销售和交付抵押贷款人和服务人员遵守洪水保险监督要求所需数据的方法
公开(公告)号：US20050075911A1
公开(公告)日：2005-04-07
申请号：US10679707
申请日：2003-10-03
申请人： Don Craven
发明人： Don Craven
IPC分类号： G06Q40/00 , G06F17/60
CPC分类号： G06Q40/08 , Y02A10/46 , Y02A10/48
摘要： A system and method for compliance with flood insurance monitoring requirements comprises a central computer system containing a database of essentially all properties affected by map changes, including any official action undertaken by or on behalf of FEMA in its administration of the National Flood Insurance Program. The database is provided to remote users, particularly mortgage servicers, on a subscription basis.
摘要翻译：符合洪水保险监测要求的系统和方法包括一个中央计算机系统，其中包含基本上受地图变更影响的所有属性的数据库，包括由FEMA在其国家洪水保险计划管理中由或代表其进行的任何官方行动。数据库以订阅方式提供给远程用户，特别是抵押服务机构。

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