09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
Goods & Services
Downloadable podcasts in the fields of energy and the
environment. Educational entertainment services, namely, providing
non-downloadable podcasts in the fields of energy and the
environment; production of podcasts.
2.
Machine Learning Systems and Methods for Continuous Latent Representations for Modeling Precipitation Using Deep Learning
Machine learning systems and methods for continuous latent representations for modeling precipitation using deep learning are provided. The system includes aa precipitation modeling processor and a precipitation modeling engine executed by the processor. The precipitation modeling engine causing the processor to receive a first dataset including vertically-integrated moisture divergence (VIMD) data, receive a second dataset including total precipitation (TP) data, process the VIMD data and the TP data to blend the VIMD data and the TP data into a pseudo-precipitation (PP) field using a machine learning encoder, and process the PP field using a machine learning decoder to reconstruct the TP data from the PP field.
A system and method for generating models from digital images in an interactive environment comprising a memory and a processor in communication with the memory. The processor captures or derives metadata for one or more digital images. The processor derives transforms from the metadata to align the digital images with one or more three-dimensional (“3D”) models of objects/structures represented in the digital image. The processor generates an interactive environment which allows a user to view a contextual model of each of the objects/structures in two dimensional (“2D”) and 3D views.
Computer vision systems and methods for determining roof age and life are provided. The system processes newer and older images of an area of interest that includes a structure having a roof using computer vision to detect changes in roof conditions over time, and calculates a ground truth model of roof age and roof condition based on the detected changes. An initial linear regression model is calculated by the system, and noise is filtered from the model. A final linear regression model is then calculated by the system and validated. Using the final linear regression model, the system determines an age of the roof in the area of interest as well as the remaining life of the roof.
G06V 10/766 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using regression, e.g. by projecting features on hyperplanes
Machine learning systems and methods for extreme weather event modeling using generative diffusion models are provided. The system includes a weather modeling processor and a weather modeling engine executed by the processor. The weather modeling engine causes the processor to: receive a dataset including a plurality of vorticity samples; process the dataset using a deterministic mean model having a temporal attention unit to model spatial, cross-channel, and temporal dependencies using dynamical attention units; and process output of the deterministic mean model using a reverse diffusion model to capture stochastic fine scale features and to generate a denoised output. A downscaling pipeline can also be executed by the weather modeling engine to downscale outputs of the system.
G06F 30/27 - Design optimisation, verification or simulation using machine learning, e.g. artificial intelligence, neural networks, support vector machines [SVM] or training a model
Computer vision systems and methods for hazard detection from digital images and videos are provided. The system obtains media content indicative of an asset, preprocesses the media content, and extracts, based at least in part on one or more feature extractors, features from the preprocessed media content. The system determines, based at least in part on one or more classifiers, a value associated with a hazard, which can indicate the likelihood of a media content having the hazard. The system determines that the media content includes the hazard based at least in part on a comparison of the value to a threshold value. The system can generate a visual indication in the image indicative of the hazard.
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersectionsConnectivity analysis, e.g. of connected components
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 10/774 - Generating sets of training patternsBootstrap methods, e.g. bagging or boosting
G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
7.
COMPUTER VISION SYSTEMS AND METHODS FOR DETECTING AND MODELING FEATURES OF STRUCTURES IN IMAGES
Generative artificial intelligence systems and methods for processing insurance underwriting data are provided. The system automatically ingests disparate underwriting data of varying degrees of complexity, deconstructs such files and maps them to a standardized object format, assesses the accuracy and completeness of the mapping, and automatically performs repetitive underwriting data processing tasks using customized generative Al processing techniques. The system automatically pre-fills missing fields from structured and unstructured data, completes data fields that are required for underwriting data processing, validates existing fields from submissions, scores submitted data for completeness, and determines whether the data is in condition for submission to an insurance carrier for processing. The system also provides a conversational Al chat interface which allows underwriters to ask questions of the system as information is being processed. The system accelerates processing of underwriting data and uncovers patterns in data that can be used to refine future decision-making and/or processes.
Generative artificial intelligence systems and methods for processing insurance underwriting data are provided. The system automatically ingests disparate underwriting data of varying degrees of complexity, deconstructs such files and maps them to a standardized object format, assesses the accuracy and completeness of the mapping, and automatically performs repetitive underwriting data processing tasks using customized generative AI processing techniques. The system automatically pre-fills missing fields from structured and unstructured data, completes data fields that are required for underwriting data processing, validates existing fields from submissions, scores submitted data for completeness, and determines whether the data is in condition for submission to an insurance carrier for processing. The system also provides a conversational AI chat interface which allows underwriters to ask questions of the system as information is being processed. The system accelerates processing of underwriting data and uncovers patterns in data that can be used to refine future decision-making and/or processes.
H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
10.
Computer Vision Systems and Methods for Determining Roof Shapes from Imagery Using Segmentation Networks
Computer vision systems and methods for determining roof shapes from imagery using segmentation networks are provided. The system obtains an image of a structure from an image database, and determines a flat roof structure ratio and a sloped roof structure ratio of the roof structure using a neural network. Based on segmentation processing by the neural network, the system determines a flat roof structure ratio and a sloped roof structure ratio based on a portion of the roof structure classified as being flat and a portion of the roof structure classified as being sloped. Then, the system determines a ratio of each shape type of the roof structure using a neural network. The system generates a roof structure shape report indicative of a predominant shape of the roof structure and ratios of each shape type of the roof structure.
Machine learning systems and methods for automated claims data and workflow processing are provided. The system includes a property claims processing platform which monitors for one or more automation trigger events in connection with an insurance claims property file. When the one or more automation trigger events is detected, the system identifies and executes one or more automated claims processing workflows in response to the detected trigger events. The workflows can be pre-defined and/or user-defined workflows that are selected in response to pre-defined logic or heuristic rules, and/or they could be selected by one or more machine learning algorithms.
Systems and methods for detecting, extracting, and categorizing structure data from aerial imagery following a major weather event are provided. The system processes digital images and weather data to automatically detect, extract, and categorize structure data following a major weather event. After receiving an indication of a region of interest (“ROI”) from a user, the system retrieves weather mapping data for the ROI and retrieves information related to attributes of structures within the ROI from a machine learning subsystem. The system then cross-references the property data, the weather data, and the structure attributes and assigns a risk rating to the structures within the ROI. Finally, the system generates and delivers a data package to the user.
Machine learning systems and methods for property estimate anomaly detection are provided. The system receives property estimation data from a data source and processes the property estimation data to extract line item information from the property estimation data. The line item information, along with majority estimate information, is then processed by an automated anomaly detection process which performs majority estimate unit detection, line item quantity detection, and line item cluster detection on the extracted line item information using a plurality of machine learning models. The system then processes the majority estimate unit detection, line item quantity detection, and line item cluster detection to identify anomalous data in the line item information, and generates and displays a summary of the anomalous data in a graphical user interface screen of a claims estimation software application.
Machine learning systems and methods for automated claims data and workflow processing are provided. The system includes a property claims processing platform which monitors for one or more automation trigger events in connection with an insurance claims property file. When the one or more automation trigger events is detected, the system identifies and executes one or more automated claims processing workflows in response to the detected trigger events. The workflows can be pre-defined and/or user-defined workflows that are selected in response to pre-defined logic or heuristic rules, and/or they could be selected by one or more machine learning algorithms.
Machine learning systems and methods for property estimate anomaly detection are provided. The system receives property estimation data from a data source and processes the property estimation data to extract line item information from the property estimation data. The line item information, along with majority estimate information, is then processed by an automated anomaly detection process which performs majority estimate unit detection, line item quantity detection, and line item cluster detection on the extracted line item information using a plurality of machine learning models. The system then processes the majority estimate unit detection, line item quantity detection, and line item cluster detection to identify anomalous data in the line item information, and generates and displays a summary of the anomalous data in a graphical user interface screen of a claims estimation software application.
Machine learning systems and methods for roof condition determination and scoring from aerial imagery. The system includes an inference module, a labeling module, and a training module. The inference module receives an aerial image of a roof and processes the aerial image using one or more trained neural network models to detect a condition of the roof depicted in the aerial image and to score the condition. The labeling module allows one or more agents to label training data for use in training the one or more neural network models, and the training module trains the one or more neural network models using the labels generated by the labeling module. The one or more neural network models includes a multi-layer neural network model including a backbone network layer and a fully- connected convolutional layer.
G06V 10/774 - Generating sets of training patternsBootstrap methods, e.g. bagging or boosting
G06V 10/80 - Fusion, i.e. combining data from various sources at the sensor level, preprocessing level, feature extraction level or classification level
G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
17.
Machine Learning Systems and Methods for Improved Roof Condition Determination and Scoring from Aerial Imagery
Machine learning systems and methods for roof condition determination and scoring from aerial imagery. The system includes an inference module, a labeling module, and a training module. The inference module receives an aerial image of a roof and processes the aerial image using one or more trained neural network models to detect a condition of the roof depicted in the aerial image and to score the condition. The labeling module allows one or more agents to label training data for use in training the one or more neural network models, and the training module trains the one or more neural network models using the labels generated by the labeling module. The one or more neural network models includes a multi-layer neural network model including a backbone network layer and a fully-connected convolutional layer.
Computer vision systems and methods for detecting anomalous building models are provided. The systems and methods can detect anomalies in building models using one or more of an independent univariate Gaussian algorithm, a multivariate Gaussian algorithm, a combination of a multivariate Gaussian algorithm for continuous features and a frequency histogram algorithm for discrete features, and/or a bin frequency model. The system automatically processes computerized models to determine anomalies, and indicates whether the models are accurate and whether correction is required.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
G06F 18/2415 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on parametric or probabilistic models, e.g. based on likelihood ratio or false acceptance rate versus a false rejection rate
G06N 7/01 - Probabilistic graphical models, e.g. probabilistic networks
19.
SYSTEMS AND METHODS FOR MACHINE LEARNING FROM MEDICAL RECORDS
Systems and methods for machine learning of medical records are provided. The system can execute multiple machine learning models on the medical records in parallel using multi-threaded approach wherein each machine learning model executes using its own, dedicated computational thread in order to significantly speed up the time with which relevant information can be identified from documents by the system. The multi-threaded machine learning models can include, but are not limited to, sentence classification models, comorbidity models, ICD models, body parts models, prescription models, and provider name models. The system can also utilize combined convolutional neural networks and long short-term models (CNN+LSTMs) as well as ensemble machine learning models to categorize sentences in medical records. The system can also extract service provider, medical specializations, and dates of service information from medical records.
G16H 10/60 - ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
G16H 50/70 - ICT specially adapted for medical diagnosis, medical simulation or medical data miningICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for mining of medical data, e.g. analysing previous cases of other patients
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable computer software and mobile applications for use in the insurance, property information, and construction industries, namely, software for managing administrative functions and user permissions across multiple software platforms, software for claims administration and management, property and construction estimation, and scoring, software for creating, managing, and applying customized rules and workflows, software for user account management, profile configuration, and access control, and software for automating workflows and managing inspection rules and scoring systems; downloadable data files with information on property and construction estimates (1) Providing insurance information; providing information in the field of insurance risk management; insurance claims administration services; providing insurance claims management services; providing insurance workflow automation services; providing property and construction cost estimate scoring information; providing customizable rule-based processing services for insurance and property-related claims and estimates
(2) Providing online, non-downloadable software for use in the insurance, property information, and construction industries, namely, software for managing administrative functions and user permissions across multiple software platforms, software for claims administration and management, property and construction estimation, user account administration, and workflow automation, software for creating, configuring, managing, and applying customized rules, settings and workflows, software for user account management, profile configuration, and access control, software for automating workflows, managing inspection rules, and implementing scoring systems for property and construction estimates and claims, software for rule management, bypass reason configuration, and synchronization of processing rules across multiple platforms, software enabling profile and instance administrators to optimize and configure insurance technology platforms, and software for facilitating secure connection and administration of insurance analytics software and estimating software within a unified interface
21.
Systems and Methods for Detecting Artificial Intelligence Generated Images
Systems and methods for detecting artificial intelligence generated images are provided. The system accepts an input image (e.g., a digital still image, or a frame from a digital video file or image stream) and subdivides the input image into a set of patches using a patch partitioning algorithm. The system then processes each patch and produces a feature embedding for each patch within a high dimension space. The system then utilizes these patches with further processing as input to machine learning models, which allows the system to achieve image, patch-level, and video-frame generated image classification and localization alongside identification of the generative model used to synthesize the image.
G06V 10/25 - Determination of region of interest [ROI] or a volume of interest [VOI]
G06V 10/26 - Segmentation of patterns in the image fieldCutting or merging of image elements to establish the pattern region, e.g. clustering-based techniquesDetection of occlusion
G06V 10/42 - Global feature extraction by analysis of the whole pattern, e.g. using frequency domain transformations or autocorrelation
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 10/774 - Generating sets of training patternsBootstrap methods, e.g. bagging or boosting
22.
SYSTEMS AND METHODS FOR DETECTING ARTIFICIAL INTELLIGENCE GENERATED IMAGES
Systems and methods for detecting artificial intelligence generated images are provided. The system accepts an input image (e.g., a digital still image, or a frame from a digital video file or image stream) and subdivides the input image into a set of patches using a patch partitioning algorithm. The system then processes each patch and produces a feature embedding for each patch within a high dimension space. The system then utilizes these patches with further processing as input to machine learning models, which allows the system to achieve image, patch-level, and video-frame generated image classification and localization alongside identification of the generative model used to synthesize the image.
Systems and methods for automated software testing and test data set generation using workflow path monitoring and modeling are provided. The system includes a workflow path monitoring processor that executes a workflow monitoring software module, an artificial intelligence/machine learning (“AI/ML”) software module, and a test script generation software module. The workflow monitoring software module monitors one or more workflow paths taken by a user using one or more software applications or platforms. The AI/ML module processes the one or more workflow paths monitored by the workflow monitoring software module and develops a workflow model for the software application or platform. The test script generation software module automatically generates one or more test scripts and/or test data sets based on the one or more monitored workflow.
Systems and methods for automated software testing and test data set generation using workflow path monitoring and modeling are provided. The system includes a workflow path monitoring processor that executes a workflow monitoring software module, an artificial intelligence / machine learning ("Al/ML") software module, and a test script generation software module. The workflow monitoring software module monitors one or more workflow paths taken by a user using one or more software applications or platforms. The Al/ML module processes the one or more workflow paths monitored by the workflow monitoring software module and develops a workflow model for the software application or platform. The test script generation software module automatically generates one or more test scripts and/or test data sets based on the one or more monitored workflow.
Machine learning (ML) systems and methods for fact extraction and claim verification are provided. The system receives a claim and retrieves a document from a dataset. The document has a first relatedness score higher than a first threshold, which indicates that ML models of the system determine that the document is most likely to be relevant to the claim. The dataset includes supporting documents and claims including a first group of claims supported by facts from more than two supporting documents and a second group of claims not supported by the supporting documents. The system selects a set of sentences from the document. The set of sentences have second relatedness scores higher than a second threshold, which indicate that the ML models determine that the set of sentences are most likely to be relevant to the claim. The system determines whether the claim includes facts from the set of sentences.
Described in detail herein are systems and methods for generating computerized models of structures using geometry extraction and reconstruction techniques. The system includes a computing device coupled to a input device. The input device obtains raw data scanned by a sensor. The computing device is programmed to execute a data fusion process is applied to fuse the raw data, and a geometry extraction process is performed on the fused data to extract features such as walls, floors, ceilings, roof planes, etc. Large- and small-scale features of the structure are reconstructed using the extracted features. The large- and small-scale features are reconstructed by the system into a floor plan (contour) and/or a polyhedron corresponding to the structure. The system can also process exterior features of the structure to automatically identify condition and areas of roof damage.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
Computer vision systems and methods for detecting property barriers and enclosed elements from imagery are provided. The system receives a digital image of a property and processes the digital image to identify locations or elements of interest in the image and to detect one or more barriers present in the image. The system processes the detected barriers to estimate one or more enclosed regions, and then processes the locations/elements of interest and the estimated enclosed regions to estimate whether the locations/elements are enclosed by the one or more enclosed regions.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software and mobile applications for use in the insurance, property information, and construction industries, namely, software for managing administrative functions and user permissions across multiple software platforms, software for claims administration and management, property and construction estimation, and scoring, software for creating, managing, and applying customized rules and workflows, software for user account management, profile configuration, and access control, and software for automating workflows and managing inspection rules and scoring systems; downloadable data files with information on property and construction estimates Providing insurance information; providing information in the field of insurance risk management; insurance claims administration services; providing insurance claims management services; providing insurance workflow automation services; providing property and construction cost estimate scoring information; providing customizable rule-based processing services for insurance and property-related claims and estimates Providing online, non-downloadable software for use in the insurance, property information, and construction industries, namely, software for managing administrative functions and user permissions across multiple software platforms, software for claims administration and management, property and construction estimation, user account administration, and workflow automation, software for creating, configuring, managing, and applying customized rules, settings and workflows, software for user account management, profile configuration, and access control, software for automating workflows, managing inspection rules, and implementing scoring systems for property and construction estimates and claims, software for rule management, bypass reason configuration, and synchronization of processing rules across multiple platforms, software enabling profile and instance administrators to optimize and configure insurance technology platforms, and software for facilitating secure connection and administration of insurance analytics software and estimating software within a unified interface
29.
Machine Learning Systems and Methods for Automatic Generation of Rebuild Estimates
Machine learning systems and methods for automatic generation of rebuild estimates are provided. The system includes a data integration software layer which collects and pre-processes data generated from an insurance claims estimation software application; a machine learning (ML)/artificial intelligence (AI) software layer which extracts features from the data including details of damages, materials involved, labor costs, loss locations, and other information and trains and deploys one or more predictive machine learning models; a computer vision software layer which analyzes image or other visual data to detect, classify, and assess damage associated with a structure to be rebuilt; and an automated building estimate generation software layer which automatically generates a rebuild estimate for the structure using information generated by the data integration, ML/AI, and computer vision software layers.
Machine learning systems and methods for automatic generation of rebuild estimates are provided. The system includes a data integration software layer which collects and pre-processes data generated from an insurance claims estimation software application; a machine learning (ML)/artificial intelligence (Al) software layer which extracts features from the data including details of damages, materials involved, labor costs, loss locations, and other information and trains and deploys one or more predictive machine learning models; a computer vision software layer which analyzes image or other visual data to detect, classify, and assess damage associated with a structure to be rebuilt; and an automated building estimate generation software layer which automatically generates a rebuild estimate for the structure using information generated by the data integration, ML/ Al, and computer vision software layers.
A system for modeling a roof of a structure comprising a first database, a second database and a processor in communication with the first database and the second database. The processor selects one or more images and the respective metadata thereof from the first database based on a received a geospatial region of interest. The processor generates two-dimensional line segment geometries in pixel space based on two-dimensional outputs generated by a neural network in pixel space of at least one roof structure present in the selected one or more images. The processor classifies the generated two-dimensional line segment geometries into at least one contour graph based on three-dimensional data received from the second database and generates a three-dimensional representation of the at least one roof structure based on the at least one contour graph and the received three-dimensional data.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
G06T 17/10 - Volume description, e.g. cylinders, cubes or using CSG [Constructive Solid Geometry]
G06V 10/25 - Determination of region of interest [ROI] or a volume of interest [VOI]
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersectionsConnectivity analysis, e.g. of connected components
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
Systems and methods for detection and localization of image and document forgery. The method can include the step of receiving a dataset having a plurality of authentic images and a plurality of manipulated images. The method can also include the step of benchmarking a plurality of image forgery algorithms using the dataset. The method can further include the step of generating a plurality of receiver operating characteristic (ROC) curves for each of the plurality of image forgery algorithms. The method also includes the step of calculating a plurality of area under curve metrics for each of the plurality of ROC curves. The method further includes the step of training a neural network for image forgery based on the plurality of area under curve metrics.
G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
G06F 16/583 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
G06F 18/2413 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on distances to training or reference patterns
G06F 18/2415 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on parametric or probabilistic models, e.g. based on likelihood ratio or false acceptance rate versus a false rejection rate
G06N 3/04 - Architecture, e.g. interconnection topology
Systems and methods for fine adjustment of computerized roof models are provided. The system generates a 3D roof structure model based on at least one image obtained from an aerial imagery database. Alternatively, the system could retrieve at least one stored 3D roof structure model from a 3D roof structure model database. The system weighs (e.g., scores) each 3D roof structure model candidate and determines an optimal 3D roof structure model by applying a variable neighborhood search to a 3D roof structure model candidate having a highest confidence score among the weighed 3D roof structure model candidates.
Artificial intelligence systems and methods are provided for automatic property damage estimate generation and contents pricing from textual and image data. The system generates an initial prompt for submission to an AI model and modifies the prompt to include additional information relating to historical claims data, property data, and/or other data. The system then submits the modified prompt to one or more AI models along with one or more of textual data and photo data. Output of the AI model(s) is then processed by the system to generate a damage estimate, which could be delivered in the form of natural language output, lists, and/or category and selector codes operable with a software-based insurance claims processing system. Additionally, the system can process textual and/or video (e.g., photo) information in order to automatically generate a list of contents and associated prices, using one or more custom-trained AI models.
Machine learning systems and methods for automatic photo labeling and filing are provided. The system operates in conjunction with a claims estimation software application to rapidly and automatically label one or more photos associated with an insurance claim, and to automatically file such photos in one or more albums of a claim file, using machine learning techniques. The system retrieves a photo, processes the photo to detect one or more features depicted in the photo, generates a label for the photo based on the detected one or more features, assigns the label to the photo, determines a correct photo album of an insurance claim file, and stores the labeled photo in the correct photo album of the claim file.
Systems and methods for rapidly developing annotated computer models of structures and properties is provided. The system generates three-dimensional (3D) models of structures and property using a wide variety of digital imagery, and/or can process existing 3D models created by other systems. The system processes the 3D models to automatically identify candidate objects within the 3D models that may be suitable for annotation, such as roof faces, chimneys, windows, gutters, etc., using computer vision techniques to automatically identify such objects. Once the candidate objects have been identified, the system automatically generates user interface screens which gather relevant information related to the candidate objects, so as to rapidly obtain, associate, and store annotation information related to the candidate objects. When all relevant annotation information has been gathered and associated with model objects, the system can create a list of materials that can be used for future purposes, such as repair and/or reconstruction of real-world structures and property. The system also allows for modeling of water damage of a structure, as well as generating lists of tasks for mitigating the water damage and associated costs.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
G06F 3/04815 - Interaction with a metaphor-based environment or interaction object displayed as three-dimensional, e.g. changing the user viewpoint with respect to the environment or object
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 30/12 - Geometric CAD characterised by design entry means specially adapted for CAD, e.g. graphical user interfaces [GUI] specially adapted for CAD
Machine learning systems and methods for automatic photo labeling and filing are provided. The system operates in conjunction with a claims estimation software application to rapidly and automatically label one or more photos associated with an insurance claim, and to automatically file such photos in one or more albums of a claim file, using machine learning techniques. The system retrieves a photo, processes the photo to detect one or more features depicted in the photo, generates a label for the photo based on the detected one or more features, assigns the label to the photo, determines a correct photo album of an insurance claim file, and stores the labeled photo in the correct photo album of the claim file.
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersectionsConnectivity analysis, e.g. of connected components
G06V 10/94 - Hardware or software architectures specially adapted for image or video understanding
Artificial intelligence systems and methods are provided for automatic property damage estimate generation and contents pricing from textual and image data. The system generates an initial prompt for submission to an Al model and modifies the prompt to include additional information relating to historical claims data, property data, and/or other data. The system then submits the modified prompt to one or more Al models along with one or more of textual data and photo data. Output of the Al model(s) is then processed by the system to generate a damage estimate, which could be delivered in the form of natural language output, lists, and/or category and selector codes operable with a software-based insurance claims processing system. Additionally, the system can process textual and/or video (e.g., photo) information in order to automatically generate a list of contents and associated prices, using one or more custom-trained Al models.
Systems and methods for generating simulated scenes from open map data for machine learning are presented. The system includes an automatic scene generative pipeline that uses freely-available map information and random texture maps to create large-scale 3D urban scene layouts for supervised learning methods. The system generates synthetic datasets that have improved generalization capabilities with respect to a given target domain of interest using data from open maps and texture map from the same geographic locations. Data from the generation pipeline of the system improves a model's generalization to real image sets beyond arbitrarily-simulated sets or labeled real data from other geographical regions.
G06V 30/262 - Techniques for post-processing, e.g. correcting the recognition result using context analysis, e.g. lexical, syntactic or semantic context
40.
Systems and Methods for Generating Augmented Reality Environments from Two-Dimensional Drawings
Systems and methods for generating augmented reality environments from 2D drawings are provided. The system performs a camera calibration process to determine how a camera transforms images from the real world into a 2D image plane. The system calculates a camera pose and determines an object position and an object orientation relative to a known coordinate system. The system detects and processes a 2D drawing/illustration and generates a 3D model from the 2D drawing/illustration. The system performs a rendering process, wherein the system generates an augmented reality environment which includes the 3D model superimposed on an image of the 2D drawing/illustration. The system can generate the augmented reality environment in real time, allowing the system to provide immediate feedback to the user. The images processed by the system can be from a video, from multiple image photography, etc.
Systems and methods for weather radar processing, comprising a processor in communication with a first database and a second database and computer system code executed by the processor. The computer system code causes the processor to ingest radar data from the first database and ingest numerical weather prediction data from the second database. The processor further processes the radar data and the numerical weather prediction data to generate weather products on defined tiles. The processor further processes the weather products on the defined tiles to generate full domain (stitch-tile) data and generates time aggregation data based on the stitch-tile data. The processor further generates a final model using the time aggregation data.
G01S 13/95 - Radar or analogous systems, specially adapted for specific applications for meteorological use
G01S 7/02 - Details of systems according to groups , , of systems according to group
G01S 7/41 - Details of systems according to groups , , of systems according to group using analysis of echo signal for target characterisationTarget signatureTarget cross-section
G01S 13/53 - Discriminating between fixed and moving objects or between objects moving at different speeds using transmissions of interrupted pulse modulated waves based upon the phase or frequency shift resulting from movement of objects, with reference to the transmitted signals, e.g. coherent MTi performing filtering on a single spectral line and associated with one or more range gates with a phase detector or a frequency mixer to extract the Doppler information, e.g. pulse Doppler radar
G01W 1/10 - Devices for predicting weather conditions
G06N 7/02 - Computing arrangements based on specific mathematical models using fuzzy logic
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer software and computer programmes; downloadable
electronic publications; publications provided online via
the internet or by other electronic means; artificial
intelligence software; machine learning software; artificial
intelligence software for analysis; interactive software
based on artificial intelligence; software for the
integration of artificial intelligence and machine learning
in the field of Big Data; business intelligence software;
data management software; computer chatbot software for
simulating conversations; virtual assistant software; cloud
computing software; computer software platforms; software
for content creation; software to help create summary
content; software for style guide corrections; software for
demand modelling, namely for pulling data and analytics from
multiple sources to rationalise and model specific
scenarios; software for extracting data from reports; all
the aforesaid goods relating to strategic business planning,
financial planning, business process planning and
improvement, business management, and commercial
intelligence in the energy, chemicals, metals, mining and
commodities industries. Printed matter; printed publications; printed reports;
books, manuals, magazines, newsletters, pamphlets and
brochures; educational and instructional materials; all the
aforesaid relating to strategic business planning, financial
planning, business process planning and improvement,
business management, and commercial intelligence in the
energy, chemicals, metals, mining and commodities
industries. Business management; business administration; professional
business consultancy; business appraisals; business
information; business investigations; business management
and organisation consultancy; business research; provision
of commercial information; compilation of information into
computer databases; compilation of statistics; economic
forecasting; provision of commercial information; provision
of business information; marketing research and marketing
studies; publication of publicity text and publicity;
systemisation of information into computer databases;
provision of commercial intelligence; business planning;
data management; analysis of business data; all the
aforesaid services relating to the energy, chemicals,
metals, mining and commodities industries; information and
advisory services relating to the aforesaid services. Arranging and conducting of conferences, congresses,
seminars, symposiums and workshops (training); education and
training services; provision of online electronic
publications (not downloadable); publication of books;
publication of electronic reports, books, journals online;
all the aforesaid services relating to strategic business
planning, financial planning, business process planning and
improvement, business management, commercial intelligence in
the energy, chemicals, metals, mining and commodities
industries; information and advisory services relating to
the aforesaid services. Scientific and technological services and research;
industrial analysis and research services; analysis for oil
field exploitation and exploration; analysis for mining
exploitation; technological consultancy in the field of
energy, chemicals, metals and mining; geological research
and surveying; land surveying; material testing; oil
prospecting; oil field surveys; oil well testing; research
in the field of environmental protection; research in the
field of artificial intelligence; research in the field of
artificial intelligence technology; technical research in
the energy, chemicals, metals, mining and commodities
industries; software as a service [SaaS]; software as a
service [SaaS] services featuring software for machine
learning; software as a service [SaaS] featuring computer
software platforms for artificial intelligence; providing
artificial intelligence computer programs on data networks;
platforms for artificial intelligence as software as a
service [SaaS]; artificial intelligence consultancy;
providing online non-downloadable computer software; hosting
of databases; hosting platforms on the Internet; cloud
computing services; cloud hosting provider services; data
mining services; data warehousing; technical data analysis;
software engineering services for data processing; computer
programming services for the analysis of data; design and
development of computer software for evaluation and
calculation of data; providing online, non-downloadable
computer software platforms; providing online,
non-downloadable artificial intelligence software; providing
online, non-downloadable machine learning software;
providing online, non-downloadable artificial intelligence
software for analysis; providing online, non-downloadable
interactive software based on artificial intelligence;
providing online, non-downloadable software for the
integration of artificial intelligence and machine learning
in the field of Big Data; providing online, non-downloadable
business intelligence software; providing online,
non-downloadable data management software; providing online,
non-downloadable computer chatbot software for simulating
conversations; providing online, non-downloadable virtual
assistant software; providing online, non-downloadable cloud
computing software; providing online, non-downloadable
software for content creation; providing online,
non-downloadable software to help create summary content;
providing online, non-downloadable software for style guide
corrections; providing online, non-downloadable software for
demand modelling, namely for pulling data and analytics from
multiple sources to rationalise and model specific
scenarios; providing online, non-downloadable software for
extracting data from reports; all the aforesaid services
relating to the energy, chemicals, metals, mining and
commodities industries; information and advisory services
relating to the aforesaid services.
43.
Machine Learning Systems and Methods for Automatic Construction Scheduling and Expense Estimation
Machine learning systems and methods for automatic generation of construction schedules and expense estimates are provided. The system includes a data integration software layer which collects and pre-processes data generated from an insurance claims estimation software application; a machine learning (ML)/artificial intelligence (AI) software layer which extracts features from the data and trains and deploys one or more predictive machine learning models for generating construction schedules and expense estimates; and an automated construction schedule generation software layer which automatically generates a construction schedule and associated expense estimates using information generated by the data integration and ML/AI layers.
Machine learning systems and methods for automatic generation of construction schedules and expense estimates are provided. The system includes a data integration software layer which collects and pre-processes data generated from an insurance claims estimation software application; a machine learning (ML)/ artificial intelligence (Al) software layer which extracts features from the data and trains and deploys one or more predictive machine learning models for generating construction schedules and expense estimates; and an automated construction schedule generation software layer which automatically generates a construction schedule and associated expense estimates using information generated by the data integration and ML/ Al layers.
A system for aerial image detection and classification is provided herein. The system comprising an aerial image database storing one or more aerial images electronically received from one or more image providers, and an object detection pre-processing engine in electronic communication with the aerial image database, the object detection pre-processing engine detecting and classifying objects using a disparity mapping generation sub-process to automatically process the one or more aerial images to generate a disparity map providing elevation information, a segmentation sub-process to automatically apply a pre-defined elevation threshold to the disparity map, the pre-defined elevation threshold adjustable by a user, and a classification sub-process to automatically detect and classify objects in the one or more stereoscopic pairs of aerial images by applying one or more automated detectors based on classification parameters and the pre-defined elevation threshold.
Systems and methods for machine learning of medical records are provided. The system can execute multiple machine learning models on the medical records in parallel using multi-threaded approach wherein each machine learning model executes using its own, dedicated computational thread in order to significantly speed up the time with which relevant information can be identified from documents by the system. The multi-threaded machine learning models can include, but are not limited to, sentence classification models, comorbidity models, ICD models, body parts models, prescription models, and provider name models. The system can also utilize combined convolutional neural networks and long short-term models (CNN+LSTMs) as well as ensemble machine learning models to categorize sentences in medical records. The system can also extract senice provider, medical specializations, and dates of service information from medical records.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
38 - Telecommunications services
39 - Transport, packaging, storage and travel services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
44 - Medical, veterinary, hygienic and cosmetic services; agriculture, horticulture and forestry services
45 - Legal and security services; personal services for individuals.
Goods & Services
Downloadable reports about property damage, loss, climate, environment, weather events, and catastrophes; Downloadable images in the fields of engineering, weather, environment and climate, insurance, construction, law enforcement, and emergency services; Downloadable software for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Downloadable software for detecting, identifying, and analyzing roofs, building structures, property, terrain and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Downloadable software for capturing, viewing, storing, editing, arranging, annotating, transmitting, processing, analyzing, searching, managing, displaying, detecting, reproducing, modifying and otherwise interacting with or utilizing information, data, and aerial, terrestrial, satellite, and geospatial imagery and other imagery and outputs from sensory and detection technologies; Downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, terrain and other objects and conditions; Downloadable software for integrating electronic data and other information with real world environments; Downloadable software for use in detection, inspection, evaluation and assessment of buildings and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Downloadable and recorded software for risk assessment, analysis and management and hazard assessment, analysis and management; Downloadable and recorded software to assist in insurance claims assessment, analysis and management; Downloadable software for capturing, storing, managing, processing and transmitting photos, videos and other sensory and detection information; Downloadable software used for capturing, storing and accessing images and geographic, locational and other data regarding the captured, stored and accessed images; Downloadable and recorded software for use in analysis, predictive modeling, and creating reports, relating to property damages, loss information, climate, environment, weather events, and catastrophes, pandemics, and terrorism threats; Downloadable software for controlling imaging apparatus and technologies and other sensory and detection apparatus and technologies; Downloadable software for use in valuations of real estate, buildings, fixtures, personal property and other objects; Downloadable software for identifying, documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Downloadable software, namely, graphic based construction estimation software, which estimates the cost of building or repairing structures and other objects; Downloadable and recorded software, namely, cost estimation, project management and analytic reporting software; Downloadable and recorded software for identifying, estimating and valuing insuring, remodeling, replacement and construction costs; Downloadable reports, data files and software for underwriting and risk analysis, all in the field of information and analytics regarding weather, climate, environment, hazards and other events and conditions; Downloadable electronic maps featuring information and analytics regarding weather, climate, environment, hazards and other conditions; Downloadable and recorded software for risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Downloadable software for accessing information on risk for specific geographic regions, catastrophic events, weather, climate, and environmental events, world events, and other potential loss events; Downloadable and recorded software for providing insurance data; Downloadable and recorded software for use in insurance, insurance services, insurance underwriting, and insurance rating information, and for computing, estimating, and analyzing insurance risk information; Downloadable and recorded risk modeling software for analyzing business and financial risk; Downloadable and recorded software for climate, environment and disaster risk management; Downloadable electronic publications in the nature of reports, briefs and data files featuring information regarding risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis, and insurance hazard assessment; Downloadable electronic publications in the nature of reports, briefs and data files for use by insurance companies in the fields of corporate social responsibility, compliance, risk management and strategy, and audits; Downloadable electronic publications in the nature of reports, briefs and data files featuring information regarding risk for specific geographic regions, catastrophic events, weather, climate, and environmental events, world events, and other potential loss events; Downloadable electronic publications in the nature of reports, briefs and data files featuring information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Downloadable electronic publications in the nature of reports, briefs and data files featuring insurance data, insurance risk information, information about insurance services, insurance underwriting, insurance rating, insurance claims, insurance fraud and abuse, and insurance risk, business risk and financial risk; Downloadable electronic publications in the nature of reports, briefs and data files featuring information on climate, environment and disaster risk management; Downloadable computer software for accessing, capturing, managing and organizing data and generating reports for use in analysis, and risk management, and downloadable software for identifying, tracking, capturing, and analyzing consumer events for marketing in the financial services field data; Downloadable and recorded simulation software for the modeling of natural and man-made events, terrorism threats and pandemics; Downloadable and recorded catastrophe modeling software; Downloadable and recorded weather modeling software; Downloadable and recorded climate and environment modeling software; Downloadable and recorded software for accessing, capturing analyzing, managing and organizing data and generating reports for use in risk management; Downloadable and recorded loss modeling software; Downloadable and recorded software to model rebuild and replacement costs for damaged structures; Downloadable computer software for use with product regulatory compliance, namely, for use in data collection, database management, analytics, regulatory reporting, and providing information to customers on compliance with customer, industry and/or regulatory obligations; Downloadable electronic reports, data files and databases with information on and analysis of wildfires and risk associated with wildfires, and ratings information relating to wildfires used to evaluate risk; Downloadable electronic reports with information on and analysis of fire protection efforts; Downloadable electronic reports with ratings information relating to fire protection efforts used to evaluate risk; Downloadable data files in the fields of merchant risk assessment and merchant compliance with customer, industry and/or regulatory obligations; Downloadable software for detection of fraudulent activity; Downloadable software for identifying damage to vehicles; Downloadable electronic reports with bankruptcy information; Downloadable electronic reports regarding theft of assets; Downloadable and recorded software for metrics tracking, retail transaction analytics and profit enhancement all relating to loss prevention for use in insurance, risk management, risk assessment, and risk analysis; Downloadable software for insurance claims management, retail incident and case management and reviewing, analyzing, and tracking of insurance claims and retail data; Downloadable software for incident reporting; Downloadable software for identifying theft and fraud; Downloadable software for identifying, investigating and analyzing data for use in insurance fraud investigations; Downloadable software for providing estimates of loss to assist in settlement of retail fraud incidents, and insurance claims; Downloadable software for data collection, analytics, and providing alerts pertaining to retailer transaction and other retailer data, crimes, accidents, other safety events in the workplace and brand protection issues; Downloadable software to assist retailers, property owners and law enforcement to investigate and recover stolen or damaged property, to share and analyze information regarding crimes, and for reporting of criminal activity; Downloadable and recorded software for use in risk mitigation arising from weather, climate and environmental events; Downloadable software for analyzing data and creating reports relating to risk, metrics tracking, retail transaction analytics, profit enhancement and loss prevention; GPS tracking devices; Downloadable and recorded software for providing information and analytics about insurance, reinsurance, and insurance claims; Downloadable and recorded software used to analyze and manage risk, to compile insurance claim information, to analyze and manage insurance information and insurance claim information, to track and manage financial information relating to insurance, to identify and detect fraud and abuse and to provide downloadable reports related thereto; Downloadable reports, data files, and electronic maps, featuring information and analytics regarding weather and natural hazards; Downloadable software for creating and viewing reports and maps about weather and natural hazards that have occurred at geographic locations; Downloadable and recorded computer software for accessing downloadable databases for analyzing risk relating to weather and other perils; Downloadable and recorded software for accessing information on estimates of insured loss and actual insured loss resulting from catastrophic events, for accessing information on weather events and other catastrophic events, for risk management and analysis, for financial risk assessment, for financial and investment analysis, for providing insurance claims data, for facilitating interaction and engagement between insurers and claims adjusters, and for providing feedback about insurance claims; Downloadable databases and electronic publications in the nature of articles and reports with information on estimates of insured loss and actual insured loss resulting from catastrophic events; Downloadable databases and electronic publications in the nature of articles and reports with information about weather events and other catastrophes; Downloadable databases and electronic publications in the nature of articles and reports with information in the insurance industry; Databases recorded on computer media with information in the field of business strategic and operational risk management and analysis, business strategic and operational risk analytics, business strategic and operational risk calculation, business strategic and operational risk mitigation, business strategic and operational risk forecasting; Downloadable electronic reports with research and analytics in the fields of cybersecurity and cyber risks; Downloadable software for use in insurance inspection, management and valuations of real estate, buildings, fixtures, automobiles and personal property; Downloadable software for use in personal property replacement cost valuation; Downloadable software for uploading photos and videos, for streaming and recording videos, and for communicating with and sharing information with insurance policyholders and insurance industry professionals; Downloadable software for collaboration and communication among multiple users, in particular for voice and video conferencing, messaging, calendaring, task managing, document and information exchange, and providing feedback; Downloadable insurance broking software; Downloadable reports featuring insurance information; Downloadable reports featuring insurance loss history information to assist with insurance underwriting and ratings; Downloadable software for collecting data about vehicles, performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Downloadable software for assisting with predictive modeling and analysis of insurance data, insurance underwriting and assessment of insurance risk; Downloadable software for mobile devices, namely, software for collecting data about performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Downloadable electronic reports and data files relating to insurance, insurance underwriting, risk assessment, risk management and analysis, hazard assessment, catastrophic events, and aerial, terrestrial, and satellite imagery, photographic data, and geospatial data; Downloadable software for pre-populating insurance documents with data about real property, personal property, and owners and occupants of real property; Downloadable and recorded software for creating insurance forms and documents relating to real property, personal property, and owners and occupants of real property; Downloadable and recorded software for accessing information for the analysis of insurance risk, insurance underwriting, and insurance coverage; Downloadable and recorded software for accessing information on and analysis of real property and personal property valuation, and estimation of replacement, restoration and repair costs of property and structures; Downloadable and recorded software for accessing information about real property and ownership and usage of real property; Downloadable software for accessing information about consumer usage of physical property obtained through electronic monitoring, and information about personal property and ownership of personal property; Downloadable and recorded software for accessing information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Downloadable electronic reports, data files, and white papers, with information on real property, personal property, and property valuation, ownership and usage, and estimation of replacement, restoration and repair costs of property and structures; Downloadable electronic reports and data files with information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Downloadable software for use in identifying, investigating and analyzing insurance fraud; Downloadable software to retrieve, review, analyze, upload and organize data from medical records, and to create reports from such data, for use in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; providing medical data via downloadable data files and downloadable reports, to assist in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; all specifically excluding investment advisory, investment consulting, asset allocation, wealth management, mutual fund management, or financial planning services, including annuities, stocks, bonds, and mutual funds; Downloadable software to assist in the collection of data relating to customer identity resolution and consumer intelligence; Downloadable software to assist with lead intelligence; Downloadable software to assist with TCPA consent verification; Downloadable software to assist with marketing personalization; Downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto. Providing business risk assessment information to insurance carriers; Providing information in the field of property and casualty insurance claims auditing; Providing referral services for building improvement, remodeling, and repair service providers; Providing building and construction cost assessments and cost-estimating services; Providing healthcare cost review regarding cost reduction services to insurance organizations and other payors of healthcare claims; Providing an online cost modeling database featuring replacement cost estimates for building structures used in the insurance field for contracting work; Analyzing computer data, and preparing reports of information generated during the operation of vehicles, instruments and machinery for business purposes; Providing estimates of the costs of building repair, restoration, and reconstruction, namely, estimating contracting work; Providing pricing information for use in estimating and valuing the costs of construction, remodeling, repair or replacement of residential, commercial, industrial and agricultural structures and the fixtures and contents thereof; Compilation and analysis of business data in the fields of agriculture, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, construction, real estate, law enforcement, emergency services, government, real estate, and geopolitics; Insurance claims auditing services; Providing business information in the fields of imagery and geospatial data, agriculture, natural resources, and geopolitical issues; Providing in-person promotional forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, natural resources, geopolitics, and agriculture; Providing an interactive website featuring information and analysis relating to business risk management in the field of insurance; Providing information and analysis relating to business risk management in field of insurance; Trade information in the field of insurance; Compilation and analysis of business information to assist in risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; Preparing electronic reports for business or commercial purposes in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Providing online databases with information in the field of business strategic and operational risk management and analytics, risk calculation, risk mitigation, risk forecasting; Risk management services; Preparing electronic reports for business strategic and operational purposes in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Business data analysis for measuring the effectiveness of advertisements and targeting consumers; Business research; Providing data in the field of consumer behavior, namely, marketing information about consumer behavior; Maintaining a registry in the field of heavy machinery with information on ownership and theft of assets; Maintaining a database in the nature of a registry that provides data on the ownership of construction equipment for use by the insurance industry and law enforcement; Maintaining a registry of investigators of stolen equipment; Compiling and analyzing data, namely, business data for use in the insurance and financial industries; Compilation and analysis of information, namely, data compiling and analyzing in the field of insurance, relating to wildfires and analysis of risk associated with wildfires; Compilation and analysis of ratings information, namely, business risk assessment in the field of wildfires, used to evaluate risk; Business consulting in the fields of weather, climate and environmental risk; Compilation and analysis of data to assist in insurance claims management and analysis, and business risk management and analysis; Providing business information and online databases featuring business information, namely, business information related to weather-related events, other catastrophic events, and business information related to estimates of insured loss and actual insured loss resulting from catastrophic events; Providing databases in the field of insurance claims auditing; Compilation and analysis of insurance data in the fields of agriculture, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, construction, real estate, law enforcement, emergency services, government, and geopolitics, all for insurance analysis; Compiling and analyzing data for insurance analysis purposes; Consulting in the fields of natural resources management and geopolitics; Providing online websites in the field of insurance claims auditing, business risk management and analysis, business risk analytics, business risk calculation, business risk mitigation, and business risk forecasting; Providing on-line information in the field of property and casualty insurance loss, namely, claims auditing; Providing on-line information in the field of insurance premium audits, for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; Providing on-line information in the field of estimating contracting work to receive, track, document and manage repair estimates and property replacement costs; Providing on-line information in the field of screening candidates for verification of education, credentials, and employment history for business purposes; Providing on-line information in the field of estimating contracting work for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing information about insurance and potential insured, namely, providing statistical evaluation of insurance claims performance measures for others; Consulting about managing business risk relating to catastrophes; Providing in person promotional forums in the fields of technology in insurance, real estate, building and construction, catastrophes, climate, environment and weather events and issues, natural resources, geopolitics, and agriculture; Providing lead certification services associated with unique identifiers, and services related to lead events, namely, the analysis, tracking, monitoring, authentication, verification, and validation of lead events; Providing business risk information relating to cybersecurity and cyber risks; Compilation and analysis of business data in the field of cybersecurity and cyber risk assessment; Compiling, providing and updating an index of building construction remodeling activities; Providing business information about agricultural commodities, namely, production yield information via a global computer network; Providing a web site featuring a searchable database of business information related to agricultural commodities; Business information services, namely, reporting of information and data about the transport of commodities; Providing computer databases, information, and analytics about characteristics, components, loss experience, loss propensity, history, pricing and insurance claims associated with motor vehicles for business purposes; Providing analytics in the field of insurance, namely, analysis of business risk used to make decisions about insurance underwriting and insurance claims; Business data analysis of the effects of weather and catastrophic events on business performance, in the fields of insurance; Providing information and analytics on consumer spending; Providing information and analytics about consumer behavior and consumer response to marketing, products and services; Providing information and analytics about market conditions; Providing data in the field of identity resolution and consumer intelligence; Providing consumer intelligence data, lead intelligence data, TCPA consent verification, data and marketing personalization data; Business consultancy services in the fields of natural and man-made risks, property and casualty risks, catastrophic risks, weather-related risks, cyber risks, climate risks, insurance, reinsurance, insurance portfolio management, insurance linked securities, and risk management; Business consultancy services; Providing business information. Providing information about property and casualty insurance and underwriting risks, risk and evaluation, and risk management, for use by insurance companies in handling insurance claims and insurance investigations, about pending and historical insurance claims, and the adequacy of insurance coverage; Providing insurance information relating to changes in automobile insurance policies; Insurance rating services and information relative thereto, namely, benchmarking expected loss for financial risk assessment purposes, and computing and providing information about computation of insurance premium information; Providing insurance appraisals and evaluations, namely, appraisals of personal and real property insurance claims, and repair cost appraisal; Providing real-time insurance claims processing reports to insurance carriers and restoration contractors; Providing insurance claims processing featuring automated claims administration management, tracking, and monitoring of all stages of insurance claims handling; Insurance consulting in the nature of evaluating issued insurance policy information in conjunction with third party data libraries and proprietary databases and assessing rating factor errors in premium auditing to enhance actuarial analysis, and determining for others the accuracy and validity of insurance policyholders data used for the calculation of insurance policy premiums; Providing reports for mortgage originators and lenders containing information in making decisions about loans; Providing insurance information regarding the data of insurance policy transactions to comply with requirements to notify lien holders, secured parties, or mortgagees of changes in insurance coverage or policies; Providing information in the field of insurance claims, namely, assessment of insurance claims; Providing information on property damage and terrain, namely, financial appraisal of damages and information about insurance and financial risks relating to damage to property and terrain, to assist in insurance claims administration and analysis, insurance and financial risk management and analysis, financial risk assessment, and financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance and real estate; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance and financial risk assessment, insurance and financial risk detection, insurance and financial risk analysis, and financial risk management; Providing databases and information in the field of insurance, insurance services, insurance analytics, insurance claims, insurance management and analysis, namely, claims assessment, claims adjustment, actuarial information, insurance underwriting information, insurance claim appraisal history and asset valuation appraisal history, insurance coverage verification, financial risk management and analysis, financial risk analytics, financial risk calculation, financial risk mitigation, financial risk forecasting, financial risk assessment, financial and investment analysis; Providing databases and information in the field of claims assessment, claims adjustment, actuarial information, insurance claim appraisal history and asset valuation appraisal history insurance coverage verification, and real estate, all to assist with insurance underwriting; Insurance underwriting information services; Insurance analysis services, namely, assessing insurance claims, and analyzing insurance information for purposes of financial risk assessment; Providing online databases using predictive modeling to allow insurance carriers and insurance underwriters to rate and underwrite insurance policies; Providing information and analytics on financial risk relating to specific geographic regions, weather, climate and environmental events, other catastrophes, world events, and other loss events; Providing insurance and financial risk analysis information and information for investors, manufacturers, insurance carriers, commodities traders, investors, and those in the supply chain, in the field of climate, environment, world events, and disaster risk management; Providing financial risk and investment data regarding climate, environment, world events, and disasters for use in the insurance and financial fields; Consulting and advisory services and providing information in the field of insurance; Providing information and analytics regarding property locations and characteristics, namely, insurance risks derived from property locations for purposes of insurance and financial risk assessment; Providing insurance ratings information, namely, insurance data analyzing insurance loss history and financial information used to evaluate insurance and financial risk; Consulting and advisory services in the fields of financial risk assessment, financial and investment analysis; Financial consultancy and financial risk management; Providing an online database that contains a glossary of technical terms in the field of insurance, covering loss, damage or theft of heavy construction equipment and that is offered via a global communications network for use by insurance companies; Insurance claims administration; Services to insurance companies, Intermediaries and sellers in the nature of assessment and management of medical insurance underwriting risk, and claims adjustments on insurance products; Providing information about vehicle insurance and underwriting risks, risk assessment and evaluation, and risk management; Providing information about vehicles, namely, information about damage and repair appraisal and repair cost, for insurance and financial purposes; Providing vehicle history reports, namely, providing reports about damage and repair appraisal for insurance risk evaluation purposes; Providing information on and analysis of fire protection efforts, namely, insurance and financial risk associated with fire ratings of local communities, to assist in underwriting of insurance and financial services products; Providing ratings information relating to fire protection efforts, namely, insurance risk assessment information used to evaluate insurance and financial risk; Providing information on and analysis of wildfires and risk associated with wildfires, namely, insurance risk information, and ratings information relating to wildfires, namely, insurance risk assessment information, used to evaluate risk, all of the foregoing used to evaluate insurance and financial risk; Providing information in the field of insurance claims risk management, namely, information on weather and natural hazards; Insurance risk assessment relating to the effects of weather and natural hazards; Providing information in the field of insurance, namely, risk analysis information on weather and other perils; Providing on-line computer databases featuring risk analysis information about perils in the nature of financial loss events; Providing information over a global computer network in the field of financial risk analysis information about weather and other perils; Providing insurance underwriting and insurance rating data, namely, insurance and financial risk rating data for insurance use via an online database; Compilation and analysis of data for financial purposes to assist in financial risk assessment, and financial and investment analysis; Providing insurance and financial risk information, namely, information related to weather events and other catastrophes in the nature of information about the effects and potential effects of such events on premiums, and estimates of insured loss and actual insured loss resulting from catastrophic events, to assist in insurance claims management and analysis, financial risk management and analysis, financial risk assessment, and financial and investment analysis, and for assessing insurance and financial risk; Providing insurance to value portfolio analysis; Providing estimates of the costs of building repair, namely, repair cost evaluation; Compilation and analysis of financial data in the fields of energy and natural resources, agriculture, mining, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, finance, construction, real estate, law enforcement, emergency services, real estate, and geopolitics, all for financial analysis; Compilation and analysis of ratings information, namely, insurance risk assessment in the field of wildfires, used to evaluate risk; Providing risk analysis ratings information, namely, insurance risk assessment, to the insurance industry relating to wildfires used to evaluate risk; Consulting and services related thereto in the nature of consultation in the fields of insurance; Providing online websites and information in the field of insurance, namely, insurance and financial risk management and analysis, insurance and financial risk analytics, insurance and financial risk calculation, insurance and financial risk mitigation, insurance and financial risk forecasting, insurance and financial risk assessment and insurance and financial and investment analysis; Providing online information in the field of property and casualty insurance loss, namely, claims auditing information; Providing on-line information in the field of real estate appraisal and valuation for real estate property assessment and creation of real property valuation reports for others; Providing on-line information in the field of claims administration for managing workers compensation claims; Providing on-line information, namely, providing online financial calculators for use in executing residential insurance and valuation calculations; Providing on-line information in the field of personal and real estate appraisals and repair cost evaluation to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing on-line information in the fields of insurance, insurance claims processing and administration used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing on-line information in the field of repair cost evaluation for cost estimating in the building, construction, repair, restoration, maintenance and remodeling industries; Providing on-line information in the field of insurance claims assessment; Providing information about insurance and prospective insureds and reports relating to insurance, namely, information about insurance claims assessment, claims adjustment, actuarial information, insurance underwriting information, insurance claims history information, asset valuation and history, and insurance coverage verification; Providing estimates of the costs of building repair, restoration, and reconstruction, namely, providing replacement cost valuation; Providing information and online databases in the field of insurance, namely, insurance risk assessment and insurance claims appraisals for real property; Providing on-line information in the field of replacement cost valuation for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing information about insurance and potential insureds, namely, assessment of insurance claims; Providing information and analytics in the field of cyber insurance and cybersecurity risks; Consulting and advisory services in the field of cyber insurance and cybersecurity risks; Providing information and analytics about health data to assist in life insurance underwriting, life insurance and pension analytics, insurance claim insights, insurance compliance and fraud detection, and actuarial and portfolio modeling; Insurance consulting services in the field of workers' compensation, liability and no-fault insurance, Medicare set asides, Medicare insurance reporting, conditional payment management, Medicare and insurance compliance audits, and Medicaid compliance; Insurance rating services using credit data; Providing information in the nature of insurance statistics related to motor vehicles for determining insurance premiums and for other insurance rating purposes; Insurance underwriting and administration services, namely, analysis of statistics and data concerning risks to assist with premium underwriting and pricing; Providing insurance information and analytics relating to vehicles, performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Providing information and analytics regarding insureds and potential insureds for purposes of insurance and risk assessment; Predictive modeling services in the field of insurance; Providing analytics in the field of insurance, namely, analysis of financial risk used to make decisions about insurance underwriting and insurance claims; Providing on-line databases in the field of insurance, for insurance risk assessment; Providing information and analysis on aerial, terrestrial, and satellite imagery, photographic data, and geospatial data, for insurance risk assessment; Providing insurance and financial assessments of loss and potential loss resulting from catastrophes, to assist in insurance claims management and analysis, insurance risk management and analysis, financial risk assessment, and financial and investment analysis; Providing information, namely, appraisal information for insurance claims and insurance underwriting, to assist in insurance underwriting and the analysis of insurance risk; Technical data analysis, namely, statistical data analysis of the financial impacts of weather and catastrophic events, all for use in the fields of insurance; Providing information and databases with information in the field of insurance for analysis of insurance risk, insurance underwriting, insurance coverage, property valuation, for estimation of replacement, restoration and repair costs of property and structures, for insurance quotes, for evaluation of insurance policy information, and for evaluation of insurance claims; Providing information and databases with information about real property, personal property, and owners and occupants of real property, in the field of insurance; Data verification and validation services provided to insurance companies, namely, providing data to verify the accuracy and status of information about real property, personal property, owners and occupants of real property, and insureds; Providing insurance and financial information to assist insurers with insurance and regulatory compliance requirements; Providing medical data via an online portal and API interface, to assist in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; all specifically excluding investment advisory, investment consulting, asset allocation, wealth management, mutual fund management, or financial planning services, including annuities, stocks, bonds, and mutual funds; Providing insurance information; consulting, advisory, and analysis services in the fields of insurance, reinsurance, financial risk management, insurance and reinsurance portfolio risk, financial modeling and actuarial ratings, finance, and financial investment; providing information in the field of insurance risk management, namely, providing an on-line searchable database featuring location and site analytics for insurance risk management. Providing online computer databases and information, featuring information on construction of buildings, and restoration and repair of buildings and automobiles; Providing information and analysis in the field of building construction, building inspection in the course of construction, roofs, other features of building structures, structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, for use in building inspections, risk assessment, hazard assessment, and reconstruction assessment; Providing an interactive website featuring information and analysis relating to construction, namely, information about building construction, building damage repair, and building repair; Providing information and analysis in the field of construction of building structures, roofs, other features of building structures; Consulting in the fields of building in the nature of building construction and repair of damages to buildings caused by catastrophes; Providing online information in the field of building construction information, for detecting, identifying, measuring and analyzing roofs, building structures, property, terrain, and other objects and conditions; Providing online information in the field of rebuilding and repair of building structures, roofs, and other features of property, for creating drawings, floorplans, and schematics of property; Providing online information in the field of building inspection in the course of construction for use in inspection, evaluation and assessment of buildings. Automatic electronic transmission of notifications of changes in automobile liability insurance policies to state motor vehicle departments; Providing access over a global computer network to databases and information for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing access to a database with information and analysis concerning the natural hazards that have occurred at property addresses or locations; Electronic transmittal of information and analysis concerning the natural hazards that have occurred at property addresses or locations. Providing an interactive website featuring information in the field of transportation; Providing information in the field of transportation; Providing information about the transport of commodities. Educational services, namely, conducting seminars, lectures, workshops and web seminars, for the insurance, insurance premium audit, law enforcement, and fraud detection fields, and providing training manuals in connection therewith; Providing online publications, namely, newsletters in the field of property and casualty insurance claim; Providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making and other actuarial processes; Educational services, namely, providing in-person and on-line training courses, seminars and workshops and providing round table and panel discussions, in the fields of insurance, building and construction, climate, environment, catastrophes, weather events and issues, geopolitics, and agriculture; Online non-downloadable white papers, research papers, instruction books, and tutorials, all in the fields of insurance, real estate, building and construction, catastrophes, climate, environment, weather events and issues, geopolitics, and agriculture; Providing online publications in the nature of reports, briefs, and newsletters in the field of insurance, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment and financial and investment analysis; Developing educational programs for use by law enforcement agencies to deter theft and find stolen property; Providing online non-downloadable electronic publications in the nature of maps featuring information and analytics relating to wildfires and risk associated with wildfires; Providing online non-downloadable publications in the nature of electronic reports with information on and analysis of wildfires via a global computer network; Educational services, namely, conducting conferences in the fields of catastrophe insurance and catastrophe response; Providing news in the nature of current event reporting related to weather catastrophes; Providing in person educational forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, geopolitics, and agriculture; Providing on-line webinars in the fields of insurance, building and construction, climate, environment, catastrophes, weather events and issues, surveillance, geopolitics, and agriculture; Providing non-downloadable electronic publications, namely, electronic reports with information on and analysis of fire protection efforts via a global computer network; Providing an online non-downloadable publication, namely, glossary of technical terms regarding the loss and theft of heavy construction equipment for use by insurance companies, manufacturers and law enforcement; Providing in-person educational forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, geopolitics, and agriculture; Providing an interactive website featuring imagery in the nature of non-downloadable photographs in the fields of insurance; Providing an interactive website featuring imagery in the nature of non-downloadable photographs in the fields of insurance and financial risk assessment, insurance and financial risk detection, insurance and financial risk analysis, and financial risk management; Providing a website featuring non-downloadable imagery in the nature of photographs in the field of property and terrain; Providing a website featuring non-downloadable imagery in the nature of videos and photographs in the field of weather, environmental analysis, climate science, and forensic analysis; Providing a website featuring non-downloadable imagery in the nature of photographs in the field of insurance claims investigations; Providing on-line non-downloadable publications in the nature of electronic reports with information and analytics relating to insurance data; Arranging and conducting business conferences for persons in the business of insurance and risk management. Providing online, non-downloadable software for use in profiling healthcare provider billing activity in order to identify and prevent fraud, waste, and abuse; Providing on-line non-downloadable software programs for use in analyzing property and casualty insurance loss information; Providing on-line non-downloadable software programs for use as an automated valuation model for real estate property assessment and creation of real property valuation reports for others; Providing on-line non-downloadable software for accessing, storing, retrieving and updating driver and motor vehicle records; Providing on-line non-downloadable software for managing workers compensation claims; Providing on-line non-downloadable software for use by the insurance industry to electronically pre-fill insurance applications with applicant information; Providing on-line non-downloadable software for use in executing residential insurance and valuation calculations; Providing on-line non-downloadable software featuring a spatial assessment tool that offers geographic maps displaying insurance risk assessment data and information, namely, risk addresses, risk assessment, exposure concentrations, and information regarding target areas for underwriting new business; Providing on-line non-downloadable software for conducting insurance premium audits, for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; Providing on-line non-downloadable software for providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; Providing on-line non-downloadable software to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing on-line non-downloadable software used in insurance claims handling for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing on-line non-downloadable software for weather-related simulations, forecasts and modeling, to insurance companies and farmers, concerning the risk of weather-related losses; Providing on-line non-downloadable software for screening candidates for employment for criminal records and verification of education, credentials, and employment history; Providing on-line databases featuring weather-related catastrophic events; Application service provider featuring software for providing an on-line computer database that facilitates audits of insurance premiums; Providing climate forecast information; Providing an interactive website featuring technology that allows users to view, annotate and manipulate geospatial data related to properties, structures and characteristics of the earth and objects upon the earth; Providing information and analysis, namely, measurements of building structures, roofs, other features of building structures, property, terrain, and structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, using imagery and remote sensing technologies; Providing geographic information and measurement information through the collection, manipulation, processing, and/or formatting of images and geographic measurements of geographic locations, namely, photography taken from aerial vehicles, aerial surveying using remote sensing technologies; Providing computer representations of geographic locations, namely, computer mapping and modeling services created from aerial, terrestrial, satellite and geospatial imagery and other imagery and remote sensing technologies; Providing three-dimensional imagery using computer modeling, and computer modeling with measurements and images of building structures, roofs, other features of building structures, property, terrain and structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Obtaining information and imagery, and providing information, imagery, and analysis, namely, computer modeling and computer electronic imaging of building structures, roofs, other features of building structures, property, terrain, other objects and conditions, weather, natural hazards, climate, environment, and natural disasters, for use in building inspections, risk assessment, hazard assessment, reconstruction assessment, and to assist in insurance claims management and analysis; Providing on-line non-downloadable software for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing on-line non-downloadable software a for detecting, identifying, analyzing roofs, building structures, property, terrain, and other objects and conditions; Providing on-line non-downloadable software for accessing, analyzing, managing and organizing data and generating reports for use with aerial, terrestrial, satellite and geospatial imagery and other imagery and remote sensing technologies, and with photographic data, geospatial data, locational data, and other information and data from remote sensing technologies; Providing on-line non-downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, terrain and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Providing on-line non-downloadable software for integrating electronic data and other information with real world environments; Providing on-line non-downloadable software for use in detection, inspection, evaluation and assessment of buildings and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Providing on-line non-downloadable software for risk assessment, analysis and management and hazard assessment, analysis and management; Providing on-line non-downloadable software to assist in insurance claims assessment, analysis and management; Providing on-line non-downloadable software for capturing, storing, management, processing and transmitting photos, videos and other sensory and detection information; Providing on-line non-downloadable software used for capturing, storing and accessing images and geographic, locational and other data regarding the captured, stored and accessed images; Providing an interactive website featuring information and analysis, namely, engineering information in the field of building structures, roofs, other features of building structures, property, terrain, other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, weather, environment, climate, and natural disasters; Providing an interactive website featuring information and analysis, namely, provision of information in the fields of weather, environmental analysis, and climate science; Providing an interactive website featuring information, and analysis, namely, provision of information in the field of forensic analysis; Providing information, and analysis in the fields of weather, environmental analysis, climate science, and forensic analysis; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to property damages, loss information, climate, environment, weather events, catastrophes, and other events and conditions; Providing information and analysis, namely, scientific information in the fields of landscape conditions, climate science, and environmental analysis, and changes and risks associated therewith using aerial, terrestrial, satellite and other imagery and remote sensing technologies; Providing on-line non-downloadable software for controlling imaging and other sensory and detection apparatus and technologies; Providing an interactive website featuring technology that allows users to access, review, comment on, receive training on, and provide feedback on, software and services in the field of insurance and conduct interactive discussions in the field of insurance; Providing on-line non-downloadable software for use in valuations of real estate, buildings, fixtures, personal property and other objects; Providing on-line non-downloadable software for documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Providing on-line non-downloadable software for communicating with insurance policyholders and insurance industry professionals, for providing and tracking customer surveys and for estimating the costs of insurance, construction, engineering, remodeling or replacement of residential, commercial, industrial and agricultural buildings and the fixtures and contents thereof; Providing on-line non-downloadable software, namely, graphic based construction estimation software to estimate the cost of building or repairing structures and other objects in the nature of structural material and contents of buildings and land; Providing on-line non-downloadable software, namely, non-downloadable cost estimation, project management and analytic reporting software; Providing on-line non-downloadable software for identifying, estimating and valuing insuring, remodeling, replacement and construction costs; Providing on-line non-downloadable software for analytics regarding weather, hazards and other events and conditions in the nature of climates, environment, and catastrophes; Providing a database featuring information and analysis about weather, environmental assessments, climate science and natural hazards in the nature of weather and geological event modeling and simulation; Providing on-line non-downloadable software for creating reports about weather, environment, climate, and natural hazards; Electronic storage services, namely, storing data for others; Providing on-line non-downloadable software for education and training in the fields of insurance cost valuation and residential construction and remodeling; Providing on-line non-downloadable software for identifying documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Providing on-line non-downloadable software for calculating the costs of repairs and for monitoring of claims under home warranties and building insurance policies; Providing on-line non-downloadable software for calculating the costs of, tracking the progress and payments of, and reporting personal property claims; Providing on-line databases and preparation of customized reports and analytical documents delivered electronically featuring scientific research and analysis, computer modeling, simulations, and forecasting, on weather, environment, climate and natural hazards, terrorist threats, and pandemics; Providing on-line, non-downloadable software for creating and viewing reports and maps about weather, environment, climate and natural hazards; Providing a website featuring temporary use of non-downloadable software for creating and viewing reports and maps; Obtaining and providing information and imagery, namely, scientific research information, computer modeling, simulations, and forecasting, on weather events, catastrophes, environment, and climate, terrorist threats and pandemics, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing on-line non-downloadable software for risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Providing on-line non-downloadable software for accessing information on risk in specific geographic regions, catastrophic events, weather events, world events, and other potential loss events; Providing on-line non-downloadable software for accessing information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Providing on-line non-downloadable risk modeling software for analyzing business and financial risk, and software for climate, environment and disaster risk management; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events, other catastrophes, and world events; Hosting on-line databases featuring information and analytics on risk in particular geographic regions, weather and natural hazards, weather-related events, other catastrophic events, world events, other loss events; Hosting on-line databases featuring information and analytics on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Hosting of a website featuring information and analytics in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Consultancy services in the field of simulation software for the modeling of natural and man-made events, catastrophe modeling software, weather modeling software, environment modeling software, climate modeling software, consultancy services in the field of risk management software, loss modeling software, software to model rebuild and replacement costs for damaged structures; Providing on-line databases featuring weather information and weather reporting; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events and other catastrophes, terrorist threats, and pandemics; Reporting services, namely, weather reporting; Providing on-line non-downloadable software for analyzing risk relating to weather and other perils; Weather forecasting information services; Research in the field of weather, climate and the environment; Consulting and advisory services in the field of weather, climate, and environmental risk; Providing on-line non-downloadable searchable computer databases featuring geographic information derived from scientific research on wildfires, and featuring scientific research information about wildfire risk factors for risk analysis purposes; Providing a website featuring information in the nature of geographic information derived from scientific research on wildfires, and featuring scientific research information about wildfire risk factors, and technology that enables users to analyze the risk associated with wildfires for insurance purposes; Providing on-line non-downloadable software for analyzing risk analysis information relating to residential and commercial property; Providing an interactive website featuring technology that allows users to access and download information, analysis and reports on fire protection efforts to assist communities with evaluating fire risk; Data validation services provided to insurance companies, law enforcement agencies and equipment owners, namely, providing customized computer search and retrieval based on specific customer requests in the field of data to verify the accuracy and status of the Product Identification Number for equipment electronically or via the telephone; Developing databases and investigative resources, namely, development of investigative databases containing information about assets and theft of assets for use by law enforcement agencies to deter theft; Providing on-line, non-downloadable software for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing on-line, non-downloadable software for insurance claims management and case management and reviewing, analyzing, and tracking of insurance claims data; Providing on-line, non-downloadable software for incident investigating and reporting; Providing on-line, non-downloadable software for identifying and investigating theft and fraud; Providing on-line, non-downloadable software for insurance investigations; Providing on-line, non-downloadable software for providing estimates of loss to assist in settlement of insurance claims; Providing on-line, non-downloadable software for data collection, analytics, and providing alerts, on crimes, accidents, other safety events in the workplace and brand protection issues; Providing on-line, non-downloadable software to assist property owners and law enforcement to investigate and recover stolen or damaged property, to share and analyze information regarding crimes, and for reporting of criminal activity; Providing on-line, non-downloadable software for monitoring employee compliance; Providing on-line, non-downloadable software for screening employees and candidates for employment for criminal records and verification of education, credentials, and employment history; Providing on-line, non-downloadable software for use in risk mitigation arising from weather events and for using weather forecasting information to make decisions regarding merchandising; Providing on-line, non-downloadable software for analyzing data and creating reports relating to risk and loss prevention; Electronic storage services, namely, storing data for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing on-line non-downloadable software to access information about insurance and prospective insureds and to order reports relating to insurance; Providing on-line non-downloadable computer software for screening employees and candidates for employment concerning criminal records, driving records, for verification of social security numbers, education and employment history, and for managing, monitoring and analyzing information about drivers; Providing on-line, non-downloadable software for identifying damage to vehicles; Compilation and analysis of scientific research data in the fields of energy and natural resources, agriculture, mining, transportation, engineering, weather, environment and climate; Providing temporary use of on-line, non-downloadable software for automated claims administration management, tracking, and monitoring of all stages of insurance claims handling; Providing information and analysis, namely, information in the field of land evaluation surveying of terrain; Providing an interactive website featuring technology through which data about vehicles that have been in accidents can be uploaded, information about vehicle insurers can be located, and insurers can be alerted about vehicles in accidents; Providing on-line computer databases featuring risk analysis information in the nature of computer modeling, simulation and forecasting about weather; Providing information and analysis, namely, land and geological surveying information and analysis, and providing home inspection information and analysis for repair, restoration and renovation, all relating to building structures, roofs, other features of building structures, structural material and contents of buildings, and land and conditions in the nature of damage and need for repair or replacement, for use in building inspections, risk assessment, hazard assessment, reconstruction assessment, and to assist in insurance claims management and analysis; Providing an interactive website featuring information, imagery, and analysis in the field of cartography, and geographical information systems; Providing information, imagery, and analysis in the field of cartography, and geographical information systems; Obtaining and providing information on agriculture, namely, agricultural research, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Hosting an interactive website featuring technologies that allows users to send and receive notifications about information regarding theft of assets via electronic message alerts; Providing an interactive website featuring information and analysis in the field of natural resources, namely, environmental risk assessments; Providing information on and analysis of fire protection efforts, namely, provision of mapping as it pertains to fire prevention, to assist in underwriting of insurance and financial services products; Providing ratings information, namely, calculation and simulation of wildfire risk factors; Providing information on agriculture, namely, predictive modeling information on weather to estimate agricultural crop losses, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis relating to agriculture, namely, predictive modeling information on weather to estimate agricultural crop losses; On-line non-downloadable software for claims estimation, claims analysis, underwriting analysis, insurance rating, data analysis, loss analysis, data acquisition, storage and retrieval, mapping, reconstruction cost analysis, replacement cost generation and analysis, exposure analysis, data processing, fraud detection, network analysis, imagery analysis, text recognition, object identification, risk identification, lead verification and risk analysis in the field of insurance; Consulting services in the field of design, selection, implementation and use of computer hardware and software systems for others; Computer services associated with unique identifiers of lead events, namely, providing customized on-line non-downloadable software for the analysis, tracking, monitoring, authentication, certification, verification, and validation of lead events; Computer services, namely, on-line non-downloadable software for identifying, tracking, capturing, and analyzing consumer events before, during, and after the creation of a lead; Computer services, namely, on-line non-downloadable software for identifying, tracking, capturing, and analyzing consumer events before a consumer purchases one or more goods or services; Providing on-line non-downloadable risk modeling software for analyzing cyber risks; Providing risk modeling information relating to computers and computer networks in the field of cybersecurity and cyber risks; Providing on-line non-downloadable software for use in insurance policy management and valuations of real estate, buildings, fixtures, automobiles, and personal property; Providing on-line non-downloadable software for building construction and building construction cost estimating; Providing on-line non-downloadable software for tracking, documenting, monitoring, analyzing, managing, and reporting of insurance policies, inspections and valuations of real estate, buildings, fixtures, automobiles and personal property; Providing on-line non-downloadable software for uploading photos and videos, for streaming and recording videos, and for communicating with and sharing information with insurance policyholders and insurance industry professionals; Computer services, namely, providing a search engine on the Internet for others to search public real estate property history, including construction permit data, construction inspection data, building contractor data; Insurance software installation; Software as a service (SAAS ) services, featuring software for insurance claim management, insurance broking and insurance underwriting; Platform as a Service (PAAS) services, namely, providing software platforms for insurance claim management, insurance broking and insurance underwriting; Information, advice or consultancy services relating to the aforesaid; Providing on-line non-downloadable software for managing, monitoring and analyzing information about drivers and driving activities; Providing on-line non-downloadable software for assisting with predictive modeling and analysis of insurance data, insurance underwriting and assessment of insurance risk; Providing on-line non-downloadable software to access information about insurance and prospective insureds; Providing on-line non-downloadable software for pre-populating insurance documents with data about real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for creating insurance forms and documents relating to real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for accessing information for the analysis of insurance risk, insurance underwriting, and insurance coverage; Providing on-line non-downloadable software for accessing information on and analysis of real property and personal property valuation, and estimation of replacement, restoration and repair costs of property and structures; Providing on-line non-downloadable software for accessing information about real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for accessing information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Providing on-line non-downloadable software for risk management, risk assessment, and risk analysis; Providing a website featuring technology that enables users to prepare insurance applications and forms; Providing on-line non-downloadable software that prepares insurance applications and forms; Software as a service (SAAS) services featuring software for providing contract management and analytics, namely, providing an on-line contract document repository and management of visibility, performance, lifecycle and compliance with contractual obligations; On-line non-downloadable software for use in identifying, investigating and analyzing insurance fraud; Providing on-line non-downloadable software for managing insurance transactions; Providing on-line non-downloadable software for managing and validating insurance transactions using smart contracts; Software as a service (SAAS) services featuring software for creating smart contract templates in the field of insurance; Providing on-line non-downloadable software for managing and validating transactions using smart contracts; Providing subscription-based temporary use of on-line non-downloadable software for providing information relating to changes in insurance coverages and policies and for completing insurance applications with applicant information from existing databases for the insurance industry; Providing online, non-downloadable software to retrieve, review, analyze, upload and organize data from medical records, and to create reports from such data, for use in insurance claims management and analysis and for use by independent medical exam entities, group health insurers, and law firms; Providing an on-line database of downloadable and non-downloadable computer simulation software and non-downloadable models for use in the insurance, reinsurance, risk management and portfolio management fields, namely, computer software and models for risk analysis and loss estimate calculations relating to natural and man-made events, catastrophes, cyber events, weather and climate; Consultancy services in the field of models and simulation software relating to natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, and climate modeling; Consultancy services in the field of risk management software, portfolio loss modeling software and models, and software and models relating to rebuild and replacement costs for damaged structures; Software as a service, namely, providing software as a service for insurance policy and portfolio management; Computer services, namely, cloud hosting provider services; Providing online, non-downloadable software and modeling platforms for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management, and modeling rebuild and replacement costs for damaged structures; Providing online, non-downloadable software platforms for insurance claims management and insurance underwriting, all relating to claims arising from natural and man-made events, catastrophes, cyber events, weather and climate, for viewing information about real-time catastrophic events and risk related thereto, and for providing real time loss estimates before and after catastrophic events; Providing online, non-downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto; Providing online, non-downloadable software for viewing information about natural and man-made events, catastrophes, weather, cyber events, and climate, and risk related thereto; Providing online, non-downloadable application programming interface (API) software for managing workflow, transferring data and for creating efficiencies in managing data, all in the field of risk analysis and loss estimates relating to natural and man-made events, catastrophes, cyber events, weather and climate; Providing online, non-downloadable models for simulating natural and man-made disasters, catastrophes, cyber events, weather, and climate, and other loss events, and for use in risk assessment, emergency preparedness, and investment and financial analysis; Providing online, non-downloadable models designed to represent the impact of events such as earthquakes, hurricanes, floods, wildfires, cyber events, and terrorist attacks on physical, economic and other systems and portfolios; Providing online, non-downloadable software for analyzing and generating insurance, risk, and exposure data; Providing online, non-downloadable software for use in locating information pertaining to, and managing, a database, calculating the costs of risks or losses, and generating models and making catastrophe risk analysis, all in the fields of insurance, risk management and risk analysis. Providing information on agriculture, namely, agronomic information about crop yield and pest control to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis relating to agriculture, namely, agronomic information about crop yield and pest control; Providing medical data via an online portal and API interface for use in medical care by medical exam entities. Compiling and analyzing healthcare billing data in order to uncover and identify and prevent fraud, waste and abuse; Pre-employment background verification of a person's credentials and screening services, namely, pre-employment background screening, verifying professional credentials for employment purposes, and automatic monitoring of public records regarding active employees for criminal activity; Providing a searchable online database to assist property owners and law enforcement to investigate and recover stolen or damaged property; Providing online information about fire prevention and fire ratings of local communities, namely, emergency response statistics, and information, namely, emergency response information about buildings and real property surveys and maps as it pertains to fire prevention; Investigation services in the field of health care insurance claims to detect fraud; Reviewing standards and practices of building departments of municipalities to determine and evaluate their compliance with building codes, for the benefit of the insurance industry; Data validation services provided to insurance companies, law enforcement agencies and equipment owners, namely, providing data in the nature of assigned identification numbers for theft protection verifying the accuracy and status of Product Identification Numbers for equipment electronically or via the telephone; Providing reports for hiring companies, employers, and potential employers, containing information for background screening; Providing information on motor vehicle violations of drivers and insurance policyholders to others; Licensing of computer software and software programs; Providing information and an interactive website featuring information and analysis relating to insurance claims investigations, workers compensation fraud investigations; Providing pre-employment background screening services, namely, providing online information on employment histories, verification of education, credentials, and prior employment for security purposes, criminal background checks, and automatic monitoring of active employees for criminal activity through a global information network; Providing news related to laws and regulations impacting the insurance industry; Providing information on and analysis of wildfires to assist communities with evaluating risk; Providing ratings information, namely, review of fire prevention measures used to evaluate risk; Providing information on and analysis of fire protection efforts to evaluate fire risk; Providing on-line databases to insurers, truckers, shippers and law enforcement agencies featuring identification numbers, descriptions of assets, asset location information, other asset identifying factors and investigative recovery information, to aid in the identification and recovery of stolen goods; Providing an online database featuring investigative recovery information about lost or stolen heavy construction equipment for use by insurance companies, manufacturers and law enforcement; Providing an online searchable database accessible via a global communication network that contains descriptions of heavy equipment in the field of construction, namely, assigned numbers for identification and tracking, descriptions of assets, asset location information, other asset identifying factors and investigative recovery information, to assist owners and law enforcement, in the case of theft, to hasten the possibility of recovery; Providing a database via a global communications network with information and analysis of theft of assets; Providing information regarding theft of assets distributed electronically by email and fax; Providing a website featuring information and analysis of theft of assets; Providing a website featuring online notifications for individuals about information regarding theft of assets sent via electronic message alerts; Background investigation and research services, namely, screening and monitoring employees and candidates for employment for criminal records, driving records, social security number verification and verification of education and employment history; Employment and pre-employment background investigation, namely, providing on-line information for employers about employees and candidates for employment concerning criminal records, driving records, and verification of social security numbers, education, and employment history; Fraud detection services, namely, investigation in the field of insurance claims investigations; Security threat analysis, namely, for protecting commercial property; Providing information regarding theft of assets distributed electronically through downloadable mobile applications; Providing and analyzing statistical health data to uncover and identify healthcare fraud and healthcare claims errors; Business investigations for fraud prevention; Compilation and analysis of fraud and security data in the fields of insurance, banking, finance, law enforcement, and geopolitics, all for detecting fraud and security threats; Preparation of reports with information in the field of wildfire prevention and wildfire-fighting and safety risk associated with wildfires, and ratings information relating to wildfires used to evaluate safety risk; Compilation and analysis of information, namely, safety risk information in the field of wildfires and analysis of safety risk associated with wildfires; Compilation and analysis of ratings information, namely, fire prevention information relating to wildfires, used to evaluate risk; Providing risk analysis ratings information, namely, fire prevention information in the field of wildfires to the insurance industry used to evaluate risk; Providing a database that contains investigation results, namely, claims investigations for fraud prevention regarding the loss, damage or theft of insured property for use by insurance companies; Providing information in the field of insurance claims, namely, investigation of insurance claims; Providing databases and information in the field of insurance claims investigations and insurance fraud investigation information; Providing information and analytics regarding property locations and characteristics, namely, compiling crime occurrence data for purposes of insurance and financial risk assessment; Providing a database that contains investigation results in the field of insurance claims investigations of loss, damage or theft of heavy construction equipment and that is offered via a global communications network for use by insurance companies; Providing vehicle history reports, namely, vehicle safety history reports; Providing on-line computer databases featuring risk analysis information about perils in the nature of acts of terrorism, civil unrest, and theft; Providing information and analysis, namely, safety inspection information and analysis relating to building structures, roofs, other features of building structures, structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, for use in risk assessment and hazard assessment; Providing an interactive website featuring information and analysis relating to construction, namely, information about safety at construction sites; Providing on-line information in the field of fraud investigations for managing workers compensation claims; Providing on-line information in the field of screening candidates for employment for criminal records; Providing information about insurance and prospective insureds and reports relating to insurance, namely, insurance claims investigation information and insurance fraud information; Providing a database that contains insurance fraud investigation results regarding loss, damage, and theft of insured property for use by insurance companies; Providing information in the field of fraud detection investigations relating to insurance claims; Providing information about vehicles, namely, information about vehicle safety risks and accident investigations for insurance and financial purposes; Providing information on and analysis of fire protection efforts, namely, fire prevention to assist in underwriting of insurance and financial services products; Providing on-line computer databases featuring risk analysis information about perils in the nature of terrorism and theft; Compilation and analysis of information in the field of fire protection efforts for use in the fields of insurance and financial services; Providing theft, fraud, and recovery information and analysis in the field of supply chain logistics, namely, about supply chain security, cargo theft trends and recovery assistance to aid motor carriers, manufacturers, retailers, and insurance and logistics companies in mitigating cargo theft and fraud, and monitoring and tracking of cargo, inventory, vehicles, and equipment for supply chain theft prevention purposes; Providing information and analysis relating to emergency services, namely, information about fire-fighting services used to analyze risk; Providing a database that contains investigation results, namely, insurance claim investigations, regarding the loss, damage or theft of insured property for use by insurance companies; Providing information and analytics on insurance-related court decisions; Providing medical data via an online portal and API interface for use by law firms for legal purposes.
48.
System and Method for Construction Estimation Using Aerial Images
A system and method for construction estimation using aerial images is provided. The system receives at least one aerial image of a building. An estimation engine processes the aerial image at a plurality of angles to automatically identify a plurality (e.g., perimeter and interior) lines in the image corresponding to a plurality of features of a roof the building. The estimation engine allows users to generate two-dimensional and three-dimensional models of the roof by automatically delineating various roof features, and generates a report including information about the roof of the building.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
G06F 3/04842 - Selection of displayed objects or displayed text elements
Computer vision systems and methods for automatic parcel alignment are provided. The system receives a geotagged aerial image, parcel information, and semantic information where each of the parcel and semantic information are overlaid on the geotagged aerial image. The system cleans the parcel information and the semantic information. The system optimizes the parcel information by grouping geo-registered parcels present in the geotagged aerial image into a plurality of islands and generating a plurality of parcel alignment solutions for each island of the plurality of islands. The system refines the plurality of parcel alignment solutions for each island and regularizes each island. The system generates a composite parcel alignment solution based on the refined plurality of parcel alignment solutions for each regularized island to align the geo-registered parcels of each regularized island with the geotagged aerial image.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
38 - Telecommunications services
39 - Transport, packaging, storage and travel services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
44 - Medical, veterinary, hygienic and cosmetic services; agriculture, horticulture and forestry services
45 - Legal and security services; personal services for individuals.
Goods & Services
(1) Downloadable reports about property damage, loss, climate, environment, weather events, and catastrophes; Downloadable images in the fields of engineering, weather, environment and climate, insurance, construction, law enforcement, and emergency services; Downloadable software for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Downloadable software for detecting, identifying, and analyzing roofs, building structures, property, terrain and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Downloadable software for capturing, viewing, storing, editing, arranging, annotating, transmitting, processing, analyzing, searching, managing, displaying, detecting, reproducing, modifying and otherwise interacting with or utilizing information, data, and aerial, terrestrial, satellite, and geospatial imagery and other imagery and outputs from sensory and detection technologies; Downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, terrain and other objects and conditions; Downloadable software for integrating electronic data and other information with real world environments; Downloadable software for use in detection, inspection, evaluation and assessment of buildings and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Downloadable and recorded software for risk assessment, analysis and management and hazard assessment, analysis and management; Downloadable and recorded software to assist in insurance claims assessment, analysis and management; Downloadable software for capturing, storing, managing, processing and transmitting photos, videos and other sensory and detection information; Downloadable software used for capturing, storing and accessing images and geographic, locational and other data regarding the captured, stored and accessed images; Downloadable and recorded software for use in analysis, predictive modeling, and creating reports, relating to property damages, loss information, climate, environment, weather events, and catastrophes, pandemics, and terrorism threats; Downloadable software for controlling imaging apparatus and technologies and other sensory and detection apparatus and technologies; Downloadable software for use in valuations of real estate, buildings, fixtures, personal property and other objects; Downloadable software for identifying, documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Downloadable software, namely, graphic based construction estimation software, which estimates the cost of building or repairing structures and other objects; Downloadable and recorded software, namely, cost estimation, project management and analytic reporting software; Downloadable and recorded software for identifying, estimating and valuing insuring, remodeling, replacement and construction costs; Downloadable reports, data files and software for underwriting and risk analysis, all in the field of information and analytics regarding weather, climate, environment, hazards and other events and conditions; Downloadable electronic maps featuring information and analytics regarding weather, climate, environment, hazards and other conditions; Downloadable and recorded software for risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Downloadable software for accessing information on risk for specific geographic regions, catastrophic events, weather, climate, and environmental events, world events, and other potential loss events; Downloadable and recorded software for providing insurance data; Downloadable and recorded software for use in insurance, insurance services, insurance underwriting, and insurance rating information, and for computing, estimating, and analyzing insurance risk information; Downloadable and recorded risk modeling software for analyzing business and financial risk; Downloadable and recorded software for climate, environment and disaster risk management; Downloadable electronic publications in the nature of reports, briefs and data files featuring information regarding risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis, and insurance hazard assessment; Downloadable electronic publications in the nature of reports, briefs and data files for use by insurance companies in the fields of corporate social responsibility, compliance, risk management and strategy, and audits; Downloadable electronic publications in the nature of reports, briefs and data files featuring information regarding risk for specific geographic regions, catastrophic events, weather, climate, and environmental events, world events, and other potential loss events; Downloadable electronic publications in the nature of reports, briefs and data files featuring information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Downloadable electronic publications in the nature of reports, briefs and data files featuring insurance data, insurance risk information, information about insurance services, insurance underwriting, insurance rating, insurance claims, insurance fraud and abuse, and insurance risk, business risk and financial risk; Downloadable electronic publications in the nature of reports, briefs and data files featuring information on climate, environment and disaster risk management; Downloadable computer software for accessing, capturing, managing and organizing data and generating reports for use in analysis, and risk management, and downloadable software for identifying, tracking, capturing, and analyzing consumer events for marketing in the financial services field data; Downloadable and recorded simulation software for the modeling of natural and man-made events, terrorism threats and pandemics; Downloadable and recorded catastrophe modeling software; Downloadable and recorded weather modeling software; Downloadable and recorded climate and environment modeling software; Downloadable and recorded software for accessing, capturing analyzing, managing and organizing data and generating reports for use in risk management; Downloadable and recorded loss modeling software; Downloadable and recorded software to model rebuild and replacement costs for damaged structures; Downloadable computer software for use with product regulatory compliance, namely, for use in data collection, database management, analytics, regulatory reporting, and providing information to customers on compliance with customer, industry and/or regulatory obligations; Downloadable electronic reports, data files and databases with information on and analysis of wildfires and risk associated with wildfires, and ratings information relating to wildfires used to evaluate risk; Downloadable electronic reports with information on and analysis of fire protection efforts; Downloadable electronic reports with ratings information relating to fire protection efforts used to evaluate risk; Downloadable data files in the fields of merchant risk assessment and merchant compliance with customer, industry and/or regulatory obligations; Downloadable software for detection of fraudulent activity; Downloadable software for identifying damage to vehicles; Downloadable electronic reports with bankruptcy information; Downloadable electronic reports regarding theft of assets; Downloadable and recorded software for metrics tracking, retail transaction analytics and profit enhancement all relating to loss prevention for use in insurance, risk management, risk assessment, and risk analysis; Downloadable software for insurance claims management, retail incident and case management and reviewing, analyzing, and tracking of insurance claims and retail data; Downloadable software for incident reporting; Downloadable software for identifying theft and fraud; Downloadable software for identifying, investigating and analyzing data for use in insurance fraud investigations; Downloadable software for providing estimates of loss to assist in settlement of retail fraud incidents, and insurance claims; Downloadable software for data collection, analytics, and providing alerts pertaining to retailer transaction and other retailer data, crimes, accidents, other safety events in the workplace and brand protection issues; Downloadable software to assist retailers, property owners and law enforcement to investigate and recover stolen or damaged property, to share and analyze information regarding crimes, and for reporting of criminal activity; Downloadable and recorded software for use in risk mitigation arising from weather, climate and environmental events; Downloadable software for analyzing data and creating reports relating to risk, metrics tracking, retail transaction analytics, profit enhancement and loss prevention; GPS tracking devices; Downloadable and recorded software for providing information and analytics about insurance, reinsurance, and insurance claims; Downloadable and recorded software used to analyze and manage risk, to compile insurance claim information, to analyze and manage insurance information and insurance claim information, to track and manage financial information relating to insurance, to identify and detect fraud and abuse and to provide downloadable reports related thereto; Downloadable reports, data files, and electronic maps, featuring information and analytics regarding weather and natural hazards; Downloadable software for creating and viewing reports and maps about weather and natural hazards that have occurred at geographic locations; Downloadable and recorded computer software for accessing downloadable databases for analyzing risk relating to weather and other perils; Downloadable and recorded software for accessing information on estimates of insured loss and actual insured loss resulting from catastrophic events, for accessing information on weather events and other catastrophic events, for risk management and analysis, for financial risk assessment, for financial and investment analysis, for providing insurance claims data, for facilitating interaction and engagement between insurers and claims adjusters, and for providing feedback about insurance claims; Downloadable databases and electronic publications in the nature of articles and reports with information on estimates of insured loss and actual insured loss resulting from catastrophic events; Downloadable databases and electronic publications in the nature of articles and reports with information about weather events and other catastrophes; Downloadable databases and electronic publications in the nature of articles and reports with information in the insurance industry; Databases recorded on computer media with information in the field of business strategic and operational risk management and analysis, business strategic and operational risk analytics, business strategic and operational risk calculation, business strategic and operational risk mitigation, business strategic and operational risk forecasting; Downloadable electronic reports with research and analytics in the fields of cybersecurity and cyber risks; Downloadable software for use in insurance inspection, management and valuations of real estate, buildings, fixtures, automobiles and personal property; Downloadable software for use in personal property replacement cost valuation; Downloadable software for uploading photos and videos, for streaming and recording videos, and for communicating with and sharing information with insurance policyholders and insurance industry professionals; Downloadable software for collaboration and communication among multiple users, in particular for voice and video conferencing, messaging, calendaring, task managing, document and information exchange, and providing feedback; Downloadable insurance broking software; Downloadable reports featuring insurance information; Downloadable reports featuring insurance loss history information to assist with insurance underwriting and ratings; Downloadable software for collecting data about vehicles, performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Downloadable software for assisting with predictive modeling and analysis of insurance data, insurance underwriting and assessment of insurance risk; Downloadable software for mobile devices, namely, software for collecting data about performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Downloadable electronic reports and data files relating to insurance, insurance underwriting, risk assessment, risk management and analysis, hazard assessment, catastrophic events, and aerial, terrestrial, and satellite imagery, photographic data, and geospatial data; Downloadable software for pre-populating insurance documents with data about real property, personal property, and owners and occupants of real property; Downloadable and recorded software for creating insurance forms and documents relating to real property, personal property, and owners and occupants of real property; Downloadable and recorded software for accessing information for the analysis of insurance risk, insurance underwriting, and insurance coverage; Downloadable and recorded software for accessing information on and analysis of real property and personal property valuation, and estimation of replacement, restoration and repair costs of property and structures; Downloadable and recorded software for accessing information about real property and ownership and usage of real property; Downloadable software for accessing information about consumer usage of physical property obtained through electronic monitoring, and information about personal property and ownership of personal property; Downloadable and recorded software for accessing information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Downloadable electronic reports, data files, and white papers, with information on real property, personal property, and property valuation, ownership and usage, and estimation of replacement, restoration and repair costs of property and structures; Downloadable electronic reports and data files with information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Downloadable software for use in identifying, investigating and analyzing insurance fraud; Downloadable software to retrieve, review, analyze, upload and organize data from medical records, and to create reports from such data, for use in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; providing medical data via downloadable data files and downloadable reports, to assist in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; all specifically excluding investment advisory, investment consulting, asset allocation, wealth management, mutual fund management, or financial planning services, including annuities, stocks, bonds, and mutual funds; Downloadable software to assist in the collection of data relating to customer identity resolution and consumer intelligence; Downloadable software to assist with lead intelligence; Downloadable software to assist with TCPA consent verification; Downloadable software to assist with marketing personalization; Downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto. (1) Providing business risk assessment information to insurance carriers; Providing information in the field of property and casualty insurance claims auditing; Providing referral services for building improvement, remodeling, and repair service providers; Providing building and construction cost assessments and cost-estimating services; Providing healthcare cost review regarding cost reduction services to insurance organizations and other payors of healthcare claims; Providing an online cost modeling database featuring replacement cost estimates for building structures used in the insurance field for contracting work; Analyzing computer data, and preparing reports of information generated during the operation of vehicles, instruments and machinery for business purposes; Providing estimates of the costs of building repair, restoration, and reconstruction, namely, estimating contracting work; Providing pricing information for use in estimating and valuing the costs of construction, remodeling, repair or replacement of residential, commercial, industrial and agricultural structures and the fixtures and contents thereof; Compilation and analysis of business data in the fields of agriculture, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, construction, real estate, law enforcement, emergency services, government, real estate, and geopolitics; Insurance claims auditing services; Providing business information in the fields of imagery and geospatial data, agriculture, natural resources, and geopolitical issues; Providing in-person promotional forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, natural resources, geopolitics, and agriculture; Providing an interactive website featuring information and analysis relating to business risk management in the field of insurance; Providing information and analysis relating to business risk management in field of insurance; Trade information in the field of insurance; Compilation and analysis of business information to assist in risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; Preparing electronic reports for business or commercial purposes in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Providing online databases with information in the field of business strategic and operational risk management and analytics, risk calculation, risk mitigation, risk forecasting; Risk management services; Preparing electronic reports for business strategic and operational purposes in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Business data analysis for measuring the effectiveness of advertisements and targeting consumers; Business research; Providing data in the field of consumer behavior, namely, marketing information about consumer behavior; Maintaining a registry in the field of heavy machinery with information on ownership and theft of assets; Maintaining a database in the nature of a registry that provides data on the ownership of construction equipment for use by the insurance industry and law enforcement; Maintaining a registry of investigators of stolen equipment; Compiling and analyzing data, namely, business data for use in the insurance and financial industries; Compilation and analysis of information, namely, data compiling and analyzing in the field of insurance, relating to wildfires and analysis of risk associated with wildfires; Compilation and analysis of ratings information, namely, business risk assessment in the field of wildfires, used to evaluate risk; Business consulting in the fields of weather, climate and environmental risk; Compilation and analysis of data to assist in insurance claims management and analysis, and business risk management and analysis; Providing business information and online databases featuring business information, namely, business information related to weather-related events, other catastrophic events, and business information related to estimates of insured loss and actual insured loss resulting from catastrophic events; Providing databases in the field of insurance claims auditing; Compilation and analysis of insurance data in the fields of agriculture, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, construction, real estate, law enforcement, emergency services, government, and geopolitics, all for insurance analysis; Compiling and analyzing data for insurance analysis purposes; Consulting in the fields of natural resources management and geopolitics; Providing online websites in the field of insurance claims auditing, business risk management and analysis, business risk analytics, business risk calculation, business risk mitigation, and business risk forecasting; Providing on-line information in the field of property and casualty insurance loss, namely, claims auditing; Providing on-line information in the field of insurance premium audits, for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; Providing on-line information in the field of estimating contracting work to receive, track, document and manage repair estimates and property replacement costs; Providing on-line information in the field of screening candidates for verification of education, credentials, and employment history for business purposes; Providing on-line information in the field of estimating contracting work for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing information about insurance and potential insured, namely, providing statistical evaluation of insurance claims performance measures for others; Consulting about managing business risk relating to catastrophes; Providing in person promotional forums in the fields of technology in insurance, real estate, building and construction, catastrophes, climate, environment and weather events and issues, natural resources, geopolitics, and agriculture; Providing lead certification services associated with unique identifiers, and services related to lead events, namely, the analysis, tracking, monitoring, authentication, verification, and validation of lead events; Providing business risk information relating to cybersecurity and cyber risks; Compilation and analysis of business data in the field of cybersecurity and cyber risk assessment; Compiling, providing and updating an index of building construction remodeling activities; Providing business information about agricultural commodities, namely, production yield information via a global computer network; Providing a web site featuring a searchable database of business information related to agricultural commodities; Business information services, namely, reporting of information and data about the transport of commodities; Providing computer databases, information, and analytics about characteristics, components, loss experience, loss propensity, history, pricing and insurance claims associated with motor vehicles for business purposes; Providing analytics in the field of insurance, namely, analysis of business risk used to make decisions about insurance underwriting and insurance claims; Business data analysis of the effects of weather and catastrophic events on business performance, in the fields of insurance; Providing information and analytics on consumer spending; Providing information and analytics about consumer behavior and consumer response to marketing, products and services; Providing information and analytics about market conditions; Providing data in the field of identity resolution and consumer intelligence; Providing consumer intelligence data, lead intelligence data, TCPA consent verification, data and marketing personalization data; Business consultancy services in the fields of natural and man-made risks, property and casualty risks, catastrophic risks, weather-related risks, cyber risks, climate risks, insurance, reinsurance, insurance portfolio management, insurance linked securities, and risk management; Business consultancy services; Providing business information.
(2) Providing information about property and casualty insurance and underwriting risks, risk and evaluation, and risk management, for use by insurance companies in handling insurance claims and insurance investigations, about pending and historical insurance claims, and the adequacy of insurance coverage; Providing insurance information relating to changes in automobile insurance policies; Insurance rating services and information relative thereto, namely, benchmarking expected loss for financial risk assessment purposes, and computing and providing information about computation of insurance premium information; Providing insurance appraisals and evaluations, namely, appraisals of personal and real property insurance claims, and repair cost appraisal; Providing real-time insurance claims processing reports to insurance carriers and restoration contractors; Providing insurance claims processing featuring automated claims administration management, tracking, and monitoring of all stages of insurance claims handling; Insurance consulting in the nature of evaluating issued insurance policy information in conjunction with third party data libraries and proprietary databases and assessing rating factor errors in premium auditing to enhance actuarial analysis, and determining for others the accuracy and validity of insurance policyholders data used for the calculation of insurance policy premiums; Providing reports for mortgage originators and lenders containing information in making decisions about loans; Providing insurance information regarding the data of insurance policy transactions to comply with requirements to notify lien holders, secured parties, or mortgagees of changes in insurance coverage or policies; Providing information in the field of insurance claims, namely, assessment of insurance claims; Providing information on property damage and terrain, namely, financial appraisal of damages and information about insurance and financial risks relating to damage to property and terrain, to assist in insurance claims administration and analysis, insurance and financial risk management and analysis, financial risk assessment, and financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance and real estate; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance and financial risk assessment, insurance and financial risk detection, insurance and financial risk analysis, and financial risk management; Providing databases and information in the field of insurance, insurance services, insurance analytics, insurance claims, insurance management and analysis, namely, claims assessment, claims adjustment, actuarial information, insurance underwriting information, insurance claim appraisal history and asset valuation appraisal history, insurance coverage verification, financial risk management and analysis, financial risk analytics, financial risk calculation, financial risk mitigation, financial risk forecasting, financial risk assessment, financial and investment analysis; Providing databases and information in the field of claims assessment, claims adjustment, actuarial information, insurance claim appraisal history and asset valuation appraisal history insurance coverage verification, and real estate, all to assist with insurance underwriting; Insurance underwriting information services; Insurance analysis services, namely, assessing insurance claims, and analyzing insurance information for purposes of financial risk assessment; Providing online databases using predictive modeling to allow insurance carriers and insurance underwriters to rate and underwrite insurance policies; Providing information and analytics on financial risk relating to specific geographic regions, weather, climate and environmental events, other catastrophes, world events, and other loss events; Providing insurance and financial risk analysis information and information for investors, manufacturers, insurance carriers, commodities traders, investors, and those in the supply chain, in the field of climate, environment, world events, and disaster risk management; Providing financial risk and investment data regarding climate, environment, world events, and disasters for use in the insurance and financial fields; Consulting and advisory services and providing information in the field of insurance; Providing information and analytics regarding property locations and characteristics, namely, insurance risks derived from property locations for purposes of insurance and financial risk assessment; Providing insurance ratings information, namely, insurance data analyzing insurance loss history and financial information used to evaluate insurance and financial risk; Consulting and advisory services in the fields of financial risk assessment, financial and investment analysis; Financial consultancy and financial risk management; Providing an online database that contains a glossary of technical terms in the field of insurance, covering loss, damage or theft of heavy construction equipment and that is offered via a global communications network for use by insurance companies; Insurance claims administration; Services to insurance companies, Intermediaries and sellers in the nature of assessment and management of medical insurance underwriting risk, and claims adjustments on insurance products; Providing information about vehicle insurance and underwriting risks, risk assessment and evaluation, and risk management; Providing information about vehicles, namely, information about damage and repair appraisal and repair cost, for insurance and financial purposes; Providing vehicle history reports, namely, providing reports about damage and repair appraisal for insurance risk evaluation purposes; Providing information on and analysis of fire protection efforts, namely, insurance and financial risk associated with fire ratings of local communities, to assist in underwriting of insurance and financial services products; Providing ratings information relating to fire protection efforts, namely, insurance risk assessment information used to evaluate insurance and financial risk; Providing information on and analysis of wildfires and risk associated with wildfires, namely, insurance risk information, and ratings information relating to wildfires, namely, insurance risk assessment information, used to evaluate risk, all of the foregoing used to evaluate insurance and financial risk; Providing information in the field of insurance claims risk management, namely, information on weather and natural hazards; Insurance risk assessment relating to the effects of weather and natural hazards; Providing information in the field of insurance, namely, risk analysis information on weather and other perils; Providing on-line computer databases featuring risk analysis information about perils in the nature of financial loss events; Providing information over a global computer network in the field of financial risk analysis information about weather and other perils; Providing insurance underwriting and insurance rating data, namely, insurance and financial risk rating data for insurance use via an online database; Compilation and analysis of data for financial purposes to assist in financial risk assessment, and financial and investment analysis; Providing insurance and financial risk information, namely, information related to weather events and other catastrophes in the nature of information about the effects and potential effects of such events on premiums, and estimates of insured loss and actual insured loss resulting from catastrophic events, to assist in insurance claims management and analysis, financial risk management and analysis, financial risk assessment, and financial and investment analysis, and for assessing insurance and financial risk; Providing insurance to value portfolio analysis; Providing estimates of the costs of building repair, namely, repair cost evaluation; Compilation and analysis of financial data in the fields of energy and natural resources, agriculture, mining, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, finance, construction, real estate, law enforcement, emergency services, real estate, and geopolitics, all for financial analysis; Compilation and analysis of ratings information, namely, insurance risk assessment in the field of wildfires, used to evaluate risk; Providing risk analysis ratings information, namely, insurance risk assessment, to the insurance industry relating to wildfires used to evaluate risk; Consulting and services related thereto in the nature of consultation in the fields of insurance; Providing online websites and information in the field of insurance, namely, insurance and financial risk management and analysis, insurance and financial risk analytics, insurance and financial risk calculation, insurance and financial risk mitigation, insurance and financial risk forecasting, insurance and financial risk assessment and insurance and financial and investment analysis; Providing online information in the field of property and casualty insurance loss, namely, claims auditing information; Providing on-line information in the field of real estate appraisal and valuation for real estate property assessment and creation of real property valuation reports for others; Providing on-line information in the field of claims administration for managing workers compensation claims; Providing on-line information, namely, providing online financial calculators for use in executing residential insurance and valuation calculations; Providing on-line information in the field of personal and real estate appraisals and repair cost evaluation to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing on-line information in the fields of insurance, insurance claims processing and administration used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing on-line information in the field of repair cost evaluation for cost estimating in the building, construction, repair, restoration, maintenance and remodeling industries; Providing on-line information in the field of insurance claims assessment; Providing information about insurance and prospective insureds and reports relating to insurance, namely, information about insurance claims assessment, claims adjustment, actuarial information, insurance underwriting information, insurance claims history information, asset valuation and history, and insurance coverage verification; Providing estimates of the costs of building repair, restoration, and reconstruction, namely, providing replacement cost valuation; Providing information and online databases in the field of insurance, namely, insurance risk assessment and insurance claims appraisals for real property; Providing on-line information in the field of replacement cost valuation for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing information about insurance and potential insureds, namely, assessment of insurance claims; Providing information and analytics in the field of cyber insurance and cybersecurity risks; Consulting and advisory services in the field of cyber insurance and cybersecurity risks; Providing information and analytics about health data to assist in life insurance underwriting, life insurance and pension analytics, insurance claim insights, insurance compliance and fraud detection, and actuarial and portfolio modeling; Insurance consulting services in the field of workers' compensation, liability and no-fault insurance, Medicare set asides, Medicare insurance reporting, conditional payment management, Medicare and insurance compliance audits, and Medicaid compliance; Insurance rating services using credit data; Providing information in the nature of insurance statistics related to motor vehicles for determining insurance premiums and for other insurance rating purposes; Insurance underwriting and administration services, namely, analysis of statistics and data concerning risks to assist with premium underwriting and pricing; Providing insurance information and analytics relating to vehicles, performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Providing information and analytics regarding insureds and potential insureds for purposes of insurance and risk assessment; Predictive modeling services in the field of insurance; Providing analytics in the field of insurance, namely, analysis of financial risk used to make decisions about insurance underwriting and insurance claims; Providing on-line databases in the field of insurance, for insurance risk assessment; Providing information and analysis on aerial, terrestrial, and satellite imagery, photographic data, and geospatial data, for insurance risk assessment; Providing insurance and financial assessments of loss and potential loss resulting from catastrophes, to assist in insurance claims management and analysis, insurance risk management and analysis, financial risk assessment, and financial and investment analysis; Providing information, namely, appraisal information for insurance claims and insurance underwriting, to assist in insurance underwriting and the analysis of insurance risk; Technical data analysis, namely, statistical data analysis of the financial impacts of weather and catastrophic events, all for use in the fields of insurance; Providing information and databases with information in the field of insurance for analysis of insurance risk, insurance underwriting, insurance coverage, property valuation, for estimation of replacement, restoration and repair costs of property and structures, for insurance quotes, for evaluation of insurance policy information, and for evaluation of insurance claims; Providing information and databases with information about real property, personal property, and owners and occupants of real property, in the field of insurance; Data verification and validation services provided to insurance companies, namely, providing data to verify the accuracy and status of information about real property, personal property, owners and occupants of real property, and insureds; Providing insurance and financial information to assist insurers with insurance and regulatory compliance requirements; Providing medical data via an online portal and API interface, to assist in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; all specifically excluding investment advisory, investment consulting, asset allocation, wealth management, mutual fund management, or financial planning services, including annuities, stocks, bonds, and mutual funds; Providing insurance information; consulting, advisory, and analysis services in the fields of insurance, reinsurance, financial risk management, insurance and reinsurance portfolio risk, financial modeling and actuarial ratings, finance, and financial investment; providing information in the field of insurance risk management, namely, providing an on-line searchable database featuring location and site analytics for insurance risk management.
(3) Providing online computer databases and information, featuring information on construction of buildings, and restoration and repair of buildings and automobiles; Providing information and analysis in the field of building construction, building inspection in the course of construction, roofs, other features of building structures, structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, for use in building inspections, risk assessment, hazard assessment, and reconstruction assessment; Providing an interactive website featuring information and analysis relating to construction, namely, information about building construction, building damage repair, and building repair; Providing information and analysis in the field of construction of building structures, roofs, other features of building structures; Consulting in the fields of building in the nature of building construction and repair of damages to buildings caused by catastrophes; Providing online information in the field of building construction information, for detecting, identifying, measuring and analyzing roofs, building structures, property, terrain, and other objects and conditions; Providing online information in the field of rebuilding and repair of building structures, roofs, and other features of property, for creating drawings, floorplans, and schematics of property; Providing online information in the field of building inspection in the course of construction for use in inspection, evaluation and assessment of buildings.
(4) Automatic electronic transmission of notifications of changes in automobile liability insurance policies to state motor vehicle departments; Providing access over a global computer network to databases and information for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing access to a database with information and analysis concerning the natural hazards that have occurred at property addresses or locations; Electronic transmittal of information and analysis concerning the natural hazards that have occurred at property addresses or locations.
(5) Providing an interactive website featuring information in the field of transportation; Providing information in the field of transportation; Providing information about the transport of commodities.
(6) Educational services, namely, conducting seminars, lectures, workshops and web seminars, for the insurance, insurance premium audit, law enforcement, and fraud detection fields, and providing training manuals in connection therewith; Providing online publications, namely, newsletters in the field of property and casualty insurance claim; Providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making and other actuarial processes; Educational services, namely, providing in-person and on-line training courses, seminars and workshops and providing round table and panel discussions, in the fields of insurance, building and construction, climate, environment, catastrophes, weather events and issues, geopolitics, and agriculture; Online non-downloadable white papers, research papers, instruction books, and tutorials, all in the fields of insurance, real estate, building and construction, catastrophes, climate, environment, weather events and issues, geopolitics, and agriculture; Providing online publications in the nature of reports, briefs, and newsletters in the field of insurance, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment and financial and investment analysis; Developing educational programs for use by law enforcement agencies to deter theft and find stolen property; Providing online non-downloadable electronic publications in the nature of maps featuring information and analytics relating to wildfires and risk associated with wildfires; Providing online non-downloadable publications in the nature of electronic reports with information on and analysis of wildfires via a global computer network; Educational services, namely, conducting conferences in the fields of catastrophe insurance and catastrophe response; Providing news in the nature of current event reporting related to weather catastrophes; Providing in person educational forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, geopolitics, and agriculture; Providing on-line webinars in the fields of insurance, building and construction, climate, environment, catastrophes, weather events and issues, surveillance, geopolitics, and agriculture; Providing non-downloadable electronic publications, namely, electronic reports with information on and analysis of fire protection efforts via a global computer network; Providing an online non-downloadable publication, namely, glossary of technical terms regarding the loss and theft of heavy construction equipment for use by insurance companies, manufacturers and law enforcement; Providing in-person educational forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, geopolitics, and agriculture; Providing an interactive website featuring imagery in the nature of non-downloadable photographs in the fields of insurance; Providing an interactive website featuring imagery in the nature of non-downloadable photographs in the fields of insurance and financial risk assessment, insurance and financial risk detection, insurance and financial risk analysis, and financial risk management; Providing a website featuring non-downloadable imagery in the nature of photographs in the field of property and terrain; Providing a website featuring non-downloadable imagery in the nature of videos and photographs in the field of weather, environmental analysis, climate science, and forensic analysis; Providing a website featuring non-downloadable imagery in the nature of photographs in the field of insurance claims investigations; Providing on-line non-downloadable publications in the nature of electronic reports with information and analytics relating to insurance data; Arranging and conducting business conferences for persons in the business of insurance and risk management.
(7) Providing online, non-downloadable software for use in profiling healthcare provider billing activity in order to identify and prevent fraud, waste, and abuse; Providing on-line non-downloadable software programs for use in analyzing property and casualty insurance loss information; Providing on-line non-downloadable software programs for use as an automated valuation model for real estate property assessment and creation of real property valuation reports for others; Providing on-line non-downloadable software for accessing, storing, retrieving and updating driver and motor vehicle records; Providing on-line non-downloadable software for managing workers compensation claims; Providing on-line non-downloadable software for use by the insurance industry to electronically pre-fill insurance applications with applicant information; Providing on-line non-downloadable software for use in executing residential insurance and valuation calculations; Providing on-line non-downloadable software featuring a spatial assessment tool that offers geographic maps displaying insurance risk assessment data and information, namely, risk addresses, risk assessment, exposure concentrations, and information regarding target areas for underwriting new business; Providing on-line non-downloadable software for conducting insurance premium audits, for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; Providing on-line non-downloadable software for providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; Providing on-line non-downloadable software to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing on-line non-downloadable software used in insurance claims handling for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing on-line non-downloadable software for weather-related simulations, forecasts and modeling, to insurance companies and farmers, concerning the risk of weather-related losses; Providing on-line non-downloadable software for screening candidates for employment for criminal records and verification of education, credentials, and employment history; Providing on-line databases featuring weather-related catastrophic events; Application service provider featuring software for providing an on-line computer database that facilitates audits of insurance premiums; Providing climate forecast information; Providing an interactive website featuring technology that allows users to view, annotate and manipulate geospatial data related to properties, structures and characteristics of the earth and objects upon the earth; Providing information and analysis, namely, measurements of building structures, roofs, other features of building structures, property, terrain, and structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, using imagery and remote sensing technologies; Providing geographic information and measurement information through the collection, manipulation, processing, and/or formatting of images and geographic measurements of geographic locations, namely, photography taken from aerial vehicles, aerial surveying using remote sensing technologies; Providing computer representations of geographic locations, namely, computer mapping and modeling services created from aerial, terrestrial, satellite and geospatial imagery and other imagery and remote sensing technologies; Providing three-dimensional imagery using computer modeling, and computer modeling with measurements and images of building structures, roofs, other features of building structures, property, terrain and structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Obtaining information and imagery, and providing information, imagery, and analysis, namely, computer modeling and computer electronic imaging of building structures, roofs, other features of building structures, property, terrain, other objects and conditions, weather, natural hazards, climate, environment, and natural disasters, for use in building inspections, risk assessment, hazard assessment, reconstruction assessment, and to assist in insurance claims management and analysis; Providing on-line non-downloadable software for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing on-line non-downloadable software a for detecting, identifying, analyzing roofs, building structures, property, terrain, and other objects and conditions; Providing on-line non-downloadable software for accessing, analyzing, managing and organizing data and generating reports for use with aerial, terrestrial, satellite and geospatial imagery and other imagery and remote sensing technologies, and with photographic data, geospatial data, locational data, and other information and data from remote sensing technologies; Providing on-line non-downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, terrain and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Providing on-line non-downloadable software for integrating electronic data and other information with real world environments; Providing on-line non-downloadable software for use in detection, inspection, evaluation and assessment of buildings and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Providing on-line non-downloadable software for risk assessment, analysis and management and hazard assessment, analysis and management; Providing on-line non-downloadable software to assist in insurance claims assessment, analysis and management; Providing on-line non-downloadable software for capturing, storing, management, processing and transmitting photos, videos and other sensory and detection information; Providing on-line non-downloadable software used for capturing, storing and accessing images and geographic, locational and other data regarding the captured, stored and accessed images; Providing an interactive website featuring information and analysis, namely, engineering information in the field of building structures, roofs, other features of building structures, property, terrain, other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, weather, environment, climate, and natural disasters; Providing an interactive website featuring information and analysis, namely, provision of information in the fields of weather, environmental analysis, and climate science; Providing an interactive website featuring information, and analysis, namely, provision of information in the field of forensic analysis; Providing information, and analysis in the fields of weather, environmental analysis, climate science, and forensic analysis; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to property damages, loss information, climate, environment, weather events, catastrophes, and other events and conditions; Providing information and analysis, namely, scientific information in the fields of landscape conditions, climate science, and environmental analysis, and changes and risks associated therewith using aerial, terrestrial, satellite and other imagery and remote sensing technologies; Providing on-line non-downloadable software for controlling imaging and other sensory and detection apparatus and technologies; Providing an interactive website featuring technology that allows users to access, review, comment on, receive training on, and provide feedback on, software and services in the field of insurance and conduct interactive discussions in the field of insurance; Providing on-line non-downloadable software for use in valuations of real estate, buildings, fixtures, personal property and other objects; Providing on-line non-downloadable software for documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Providing on-line non-downloadable software for communicating with insurance policyholders and insurance industry professionals, for providing and tracking customer surveys and for estimating the costs of insurance, construction, engineering, remodeling or replacement of residential, commercial, industrial and agricultural buildings and the fixtures and contents thereof; Providing on-line non-downloadable software, namely, graphic based construction estimation software to estimate the cost of building or repairing structures and other objects in the nature of structural material and contents of buildings and land; Providing on-line non-downloadable software, namely, non-downloadable cost estimation, project management and analytic reporting software; Providing on-line non-downloadable software for identifying, estimating and valuing insuring, remodeling, replacement and construction costs; Providing on-line non-downloadable software for analytics regarding weather, hazards and other events and conditions in the nature of climates, environment, and catastrophes; Providing a database featuring information and analysis about weather, environmental assessments, climate science and natural hazards in the nature of weather and geological event modeling and simulation; Providing on-line non-downloadable software for creating reports about weather, environment, climate, and natural hazards; Electronic storage services, namely, storing data for others; Providing on-line non-downloadable software for education and training in the fields of insurance cost valuation and residential construction and remodeling; Providing on-line non-downloadable software for identifying documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Providing on-line non-downloadable software for calculating the costs of repairs and for monitoring of claims under home warranties and building insurance policies; Providing on-line non-downloadable software for calculating the costs of, tracking the progress and payments of, and reporting personal property claims; Providing on-line databases and preparation of customized reports and analytical documents delivered electronically featuring scientific research and analysis, computer modeling, simulations, and forecasting, on weather, environment, climate and natural hazards, terrorist threats, and pandemics; Providing on-line, non-downloadable software for creating and viewing reports and maps about weather, environment, climate and natural hazards; Providing a website featuring temporary use of non-downloadable software for creating and viewing reports and maps; Obtaining and providing information and imagery, namely, scientific research information, computer modeling, simulations, and forecasting, on weather events, catastrophes, environment, and climate, terrorist threats and pandemics, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing on-line non-downloadable software for risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Providing on-line non-downloadable software for accessing information on risk in specific geographic regions, catastrophic events, weather events, world events, and other potential loss events; Providing on-line non-downloadable software for accessing information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Providing on-line non-downloadable risk modeling software for analyzing business and financial risk, and software for climate, environment and disaster risk management; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events, other catastrophes, and world events; Hosting on-line databases featuring information and analytics on risk in particular geographic regions, weather and natural hazards, weather-related events, other catastrophic events, world events, other loss events; Hosting on-line databases featuring information and analytics on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Hosting of a website featuring information and analytics in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Consultancy services in the field of simulation software for the modeling of natural and man-made events, catastrophe modeling software, weather modeling software, environment modeling software, climate modeling software, consultancy services in the field of risk management software, loss modeling software, software to model rebuild and replacement costs for damaged structures; Providing on-line databases featuring weather information and weather reporting; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events and other catastrophes, terrorist threats, and pandemics; Reporting services, namely, weather reporting; Providing on-line non-downloadable software for analyzing risk relating to weather and other perils; Weather forecasting information services; Research in the field of weather, climate and the environment; Consulting and advisory services in the field of weather, climate, and environmental risk; Providing on-line non-downloadable searchable computer databases featuring geographic information derived from scientific research on wildfires, and featuring scientific research information about wildfire risk factors for risk analysis purposes; Providing a website featuring information in the nature of geographic information derived from scientific research on wildfires, and featuring scientific research information about wildfire risk factors, and technology that enables users to analyze the risk associated with wildfires for insurance purposes; Providing on-line non-downloadable software for analyzing risk analysis information relating to residential and commercial property; Providing an interactive website featuring technology that allows users to access and download information, analysis and reports on fire protection efforts to assist communities with evaluating fire risk; Data validation services provided to insurance companies, law enforcement agencies and equipment owners, namely, providing customized computer search and retrieval based on specific customer requests in the field of data to verify the accuracy and status of the Product Identification Number for equipment electronically or via the telephone; Developing databases and investigative resources, namely, development of investigative databases containing information about assets and theft of assets for use by law enforcement agencies to deter theft; Providing on-line, non-downloadable software for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing on-line, non-downloadable software for insurance claims management and case management and reviewing, analyzing, and tracking of insurance claims data; Providing on-line, non-downloadable software for incident investigating and reporting; Providing on-line, non-downloadable software for identifying and investigating theft and fraud; Providing on-line, non-downloadable software for insurance investigations; Providing on-line, non-downloadable software for providing estimates of loss to assist in settlement of insurance claims; Providing on-line, non-downloadable software for data collection, analytics, and providing alerts, on crimes, accidents, other safety events in the workplace and brand protection issues; Providing on-line, non-downloadable software to assist property owners and law enforcement to investigate and recover stolen or damaged property, to share and analyze information regarding crimes, and for reporting of criminal activity; Providing on-line, non-downloadable software for monitoring employee compliance; Providing on-line, non-downloadable software for screening employees and candidates for employment for criminal records and verification of education, credentials, and employment history; Providing on-line, non-downloadable software for use in risk mitigation arising from weather events and for using weather forecasting information to make decisions regarding merchandising; Providing on-line, non-downloadable software for analyzing data and creating reports relating to risk and loss prevention; Electronic storage services, namely, storing data for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing on-line non-downloadable software to access information about insurance and prospective insureds and to order reports relating to insurance; Providing on-line non-downloadable computer software for screening employees and candidates for employment concerning criminal records, driving records, for verification of social security numbers, education and employment history, and for managing, monitoring and analyzing information about drivers; Providing on-line, non-downloadable software for identifying damage to vehicles; Compilation and analysis of scientific research data in the fields of energy and natural resources, agriculture, mining, transportation, engineering, weather, environment and climate; Providing temporary use of on-line, non-downloadable software for automated claims administration management, tracking, and monitoring of all stages of insurance claims handling; Providing information and analysis, namely, information in the field of land evaluation surveying of terrain; Providing an interactive website featuring technology through which data about vehicles that have been in accidents can be uploaded, information about vehicle insurers can be located, and insurers can be alerted about vehicles in accidents; Providing on-line computer databases featuring risk analysis information in the nature of computer modeling, simulation and forecasting about weather; Providing information and analysis, namely, land and geological surveying information and analysis, and providing home inspection information and analysis for repair, restoration and renovation, all relating to building structures, roofs, other features of building structures, structural material and contents of buildings, and land and conditions in the nature of damage and need for repair or replacement, for use in building inspections, risk assessment, hazard assessment, reconstruction assessment, and to assist in insurance claims management and analysis; Providing an interactive website featuring information, imagery, and analysis in the field of cartography, and geographical information systems; Providing information, imagery, and analysis in the field of cartography, and geographical information systems; Obtaining and providing information on agriculture, namely, agricultural research, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Hosting an interactive website featuring technologies that allows users to send and receive notifications about information regarding theft of assets via electronic message alerts; Providing an interactive website featuring information and analysis in the field of natural resources, namely, environmental risk assessments; Providing information on and analysis of fire protection efforts, namely, provision of mapping as it pertains to fire prevention, to assist in underwriting of insurance and financial services products; Providing ratings information, namely, calculation and simulation of wildfire risk factors; Providing information on agriculture, namely, predictive modeling information on weather to estimate agricultural crop losses, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis relating to agriculture, namely, predictive modeling information on weather to estimate agricultural crop losses; On-line non-downloadable software for claims estimation, claims analysis, underwriting analysis, insurance rating, data analysis, loss analysis, data acquisition, storage and retrieval, mapping, reconstruction cost analysis, replacement cost generation and analysis, exposure analysis, data processing, fraud detection, network analysis, imagery analysis, text recognition, object identification, risk identification, lead verification and risk analysis in the field of insurance; Consulting services in the field of design, selection, implementation and use of computer hardware and software systems for others; Computer services associated with unique identifiers of lead events, namely, providing customized on-line non-downloadable software for the analysis, tracking, monitoring, authentication, certification, verification, and validation of lead events; Computer services, namely, on-line non-downloadable software for identifying, tracking, capturing, and analyzing consumer events before, during, and after the creation of a lead; Computer services, namely, on-line non-downloadable software for identifying, tracking, capturing, and analyzing consumer events before a consumer purchases one or more goods or services; Providing on-line non-downloadable risk modeling software for analyzing cyber risks; Providing risk modeling information relating to computers and computer networks in the field of cybersecurity and cyber risks; Providing on-line non-downloadable software for use in insurance policy management and valuations of real estate, buildings, fixtures, automobiles, and personal property; Providing on-line non-downloadable software for building construction and building construction cost estimating; Providing on-line non-downloadable software for tracking, documenting, monitoring, analyzing, managing, and reporting of insurance policies, inspections and valuations of real estate, buildings, fixtures, automobiles and personal property; Providing on-line non-downloadable software for uploading photos and videos, for streaming and recording videos, and for communicating with and sharing information with insurance policyholders and insurance industry professionals; Computer services, namely, providing a search engine on the Internet for others to search public real estate property history, including construction permit data, construction inspection data, building contractor data; Insurance software installation; Software as a service (SAAS ) services, featuring software for insurance claim management, insurance broking and insurance underwriting; Platform as a Service (PAAS) services, namely, providing software platforms for insurance claim management, insurance broking and insurance underwriting; Information, advice or consultancy services relating to the aforesaid; Providing on-line non-downloadable software for managing, monitoring and analyzing information about drivers and driving activities; Providing on-line non-downloadable software for assisting with predictive modeling and analysis of insurance data, insurance underwriting and assessment of insurance risk; Providing on-line non-downloadable software to access information about insurance and prospective insureds; Providing on-line non-downloadable software for pre-populating insurance documents with data about real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for creating insurance forms and documents relating to real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for accessing information for the analysis of insurance risk, insurance underwriting, and insurance coverage; Providing on-line non-downloadable software for accessing information on and analysis of real property and personal property valuation, and estimation of replacement, restoration and repair costs of property and structures; Providing on-line non-downloadable software for accessing information about real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for accessing information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Providing on-line non-downloadable software for risk management, risk assessment, and risk analysis; Providing a website featuring technology that enables users to prepare insurance applications and forms; Providing on-line non-downloadable software that prepares insurance applications and forms; Software as a service (SAAS) services featuring software for providing contract management and analytics, namely, providing an on-line contract document repository and management of visibility, performance, lifecycle and compliance with contractual obligations; On-line non-downloadable software for use in identifying, investigating and analyzing insurance fraud; Providing on-line non-downloadable software for managing insurance transactions; Providing on-line non-downloadable software for managing and validating insurance transactions using smart contracts; Software as a service (SAAS) services featuring software for creating smart contract templates in the field of insurance; Providing on-line non-downloadable software for managing and validating transactions using smart contracts; Providing subscription-based temporary use of on-line non-downloadable software for providing information relating to changes in insurance coverages and policies and for completing insurance applications with applicant information from existing databases for the insurance industry; Providing online, non-downloadable software to retrieve, review, analyze, upload and organize data from medical records, and to create reports from such data, for use in insurance claims management and analysis and for use by independent medical exam entities, group health insurers, and law firms; Providing an on-line database of downloadable and non-downloadable computer simulation software and non-downloadable models for use in the insurance, reinsurance, risk management and portfolio management fields, namely, computer software and models for risk analysis and loss estimate calculations relating to natural and man-made events, catastrophes, cyber events, weather and climate; Consultancy services in the field of models and simulation software relating to natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, and climate modeling; Consultancy services in the field of risk management software, portfolio loss modeling software and models, and software and models relating to rebuild and replacement costs for damaged structures; Software as a service, namely, providing software as a service for insurance policy and portfolio management; Computer services, namely, cloud hosting provider services; Providing online, non-downloadable software and modeling platforms for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management, and modeling rebuild and replacement costs for damaged structures; Providing online, non-downloadable software platforms for insurance claims management and insurance underwriting, all relating to claims arising from natural and man-made events, catastrophes, cyber events, weather and climate, for viewing information about real-time catastrophic events and risk related thereto, and for providing real time loss estimates before and after catastrophic events; Providing online, non-downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto; Providing online, non-downloadable software for viewing information about natural and man-made events, catastrophes, weather, cyber events, and climate, and risk related thereto; Providing online, non-downloadable application programming interface (API) software for managing workflow, transferring data and for creating efficiencies in managing data, all in the field of risk analysis and loss estimates relating to natural and man-made events, catastrophes, cyber events, weather and climate; Providing online, non-downloadable models for simulating natural and man-made disasters, catastrophes, cyber events, weather, and climate, and other loss events, and for use in risk assessment, emergency preparedness, and investment and financial analysis; Providing online, non-downloadable models designed to represent the impact of events such as earthquakes, hurricanes, floods, wildfires, cyber events, and terrorist attacks on physical, economic and other systems and portfolios; Providing online, non-downloadable software for analyzing and generating insurance, risk, and exposure data; Providing online, non-downloadable software for use in locating information pertaining to, and managing, a database, calculating the costs of risks or losses, and generating models and making catastrophe risk analysis, all in the fields of insurance, risk management and risk analysis.
(8) Providing information on agriculture, namely, agronomic information about crop yield and pest control to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis relating to agriculture, namely, agronomic information about crop yield and pest control; Providing medical data via an online portal and API interface for use in medical care by medical exam entities.
(9) Compiling and analyzing healthcare billing data in order to uncover and identify and prevent fraud, waste and abuse; Pre-employment background verification of a person's credentials and screening services, namely, pre-employment background screening, verifying professional credentials for employment purposes, and automatic monitoring of public records regarding active employees for criminal activity; Providing a searchable online database to assist property owners and law enforcement to investigate and recover stolen or damaged property; Providing online information about fire prevention and fire ratings of local communities, namely, emergency response statistics, and information, namely, emergency response information about buildings and real property surveys and maps as it pertains to fire prevention; Investigation services in the field of health care insurance claims to detect fraud; Reviewing standards and practices of building departments of municipalities to determine and evaluate their compliance with building codes, for the benefit of the insurance industry; Data validation services provided to insurance companies, law enforcement agencies and equipment owners, namely, providing data in the nature of assigned identification numbers for theft protection verifying the accuracy and status of Product Identification Numbers for equipment electronically or via the telephone; Providing reports for hiring companies, employers, and potential employers, containing information for background screening; Providing information on motor vehicle violations of drivers and insurance policyholders to others; Licensing of computer software and software programs; Providing information and an interactive website featuring information and analysis relating to insurance claims investigations, workers compensation fraud investigations; Providing pre-employment background screening services, namely, providing online information on employment histories, verification of education, credentials, and prior employment for security purposes, criminal background checks, and automatic monitoring of active employees for criminal activity through a global information network; Providing news related to laws and regulations impacting the insurance industry; Providing information on and analysis of wildfires to assist communities with evaluating risk; Providing ratings information, namely, review of fire prevention measures used to evaluate risk; Providing information on and analysis of fire protection efforts to evaluate fire risk; Providing on-line databases to insurers, truckers, shippers and law enforcement agencies featuring identification numbers, descriptions of assets, asset location information, other asset identifying factors and investigative recovery information, to aid in the identification and recovery of stolen goods; Providing an online database featuring investigative recovery information about lost or stolen heavy construction equipment for use by insurance companies, manufacturers and law enforcement; Providing an online searchable database accessible via a global communication network that contains descriptions of heavy equipment in the field of construction, namely, assigned numbers for identification and tracking, descriptions of assets, asset location information, other asset identifying factors and investigative recovery information, to assist owners and law enforcement, in the case of theft, to hasten the possibility of recovery; Providing a database via a global communications network with information and analysis of theft of assets; Providing information regarding theft of assets distributed electronically by email and fax; Providing a website featuring information and analysis of theft of assets; Providing a website featuring online notifications for individuals about information regarding theft of assets sent via electronic message alerts; Background investigation and research services, namely, screening and monitoring employees and candidates for employment for criminal records, driving records, social security number verification and verification of education and employment history; Employment and pre-employment background investigation, namely, providing on-line information for employers about employees and candidates for employment concerning criminal records, driving records, and verification of social security numbers, education, and employment history; Fraud detection services, namely, investigation in the field of insurance claims investigations; Security threat analysis, namely, for protecting commercial property; Providing information regarding theft of assets distributed electronically through downloadable mobile applications; Providing and analyzing statistical health data to uncover and identify healthcare fraud and healthcare claims errors; Business investigations for fraud prevention; Compilation and analysis of fraud and security data in the fields of insurance, banking, finance, law enforcement, and geopolitics, all for detecting fraud and security threats; Preparation of reports with information in the field of wildfire prevention and wildfire-fighting and safety risk associated with wildfires, and ratings information relating to wildfires used to evaluate safety risk; Compilation and analysis of information, namely, safety risk information in the field of wildfires and analysis of safety risk associated with wildfires; Compilation and analysis of ratings information, namely, fire prevention information relating to wildfires, used to evaluate risk; Providing risk analysis ratings information, namely, fire prevention information in the field of wildfires to the insurance industry used to evaluate risk; Providing a database that contains investigation results, namely, claims investigations for fraud prevention regarding the loss, damage or theft of insured property for use by insurance companies; Providing information in the field of insurance claims, namely, investigation of insurance claims; Providing databases and information in the field of insurance claims investigations and insurance fraud investigation information; Providing information and analytics regarding property locations and characteristics, namely, compiling crime occurrence data for purposes of insurance and financial risk assessment; Providing a database that contains investigation results in the field of insurance claims investigations of loss, damage or theft of heavy construction equipment and that is offered via a global communications network for use by insurance companies; Providing vehicle history reports, namely, vehicle safety history reports; Providing on-line computer databases featuring risk analysis information about perils in the nature of acts of terrorism, civil unrest, and theft; Providing information and analysis, namely, safety inspection information and analysis relating to building structures, roofs, other features of building structures, structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, for use in risk assessment and hazard assessment; Providing an interactive website featuring information and analysis relating to construction, namely, information about safety at construction sites; Providing on-line information in the field of fraud investigations for managing workers compensation claims; Providing on-line information in the field of screening candidates for employment for criminal records; Providing information about insurance and prospective insureds and reports relating to insurance, namely, insurance claims investigation information and insurance fraud information; Providing a database that contains insurance fraud investigation results regarding loss, damage, and theft of insured property for use by insurance companies; Providing information in the field of fraud detection investigations relating to insurance claims; Providing information about vehicles, namely, information about vehicle safety risks and accident investigations for insurance and financial purposes; Providing information on and analysis of fire protection efforts, namely, fire prevention to assist in underwriting of insurance and financial services products; Providing on-line computer databases featuring risk analysis information about perils in the nature of terrorism and theft; Compilation and analysis of information in the field of fire protection efforts for use in the fields of insurance and financial services; Providing theft, fraud, and recovery information and analysis in the field of supply chain logistics, namely, about supply chain security, cargo theft trends and recovery assistance to aid motor carriers, manufacturers, retailers, and insurance and logistics companies in mitigating cargo theft and fraud, and monitoring and tracking of cargo, inventory, vehicles, and equipment for supply chain theft prevention purposes; Providing information and analysis relating to emergency services, namely, information about fire-fighting services used to analyze risk; Providing a database that contains investigation results, namely, insurance claim investigations, regarding the loss, damage or theft of insured property for use by insurance companies; Providing information and analytics on insurance-related court decisions; Providing medical data via an online portal and API interface for use by law firms for legal purposes.
51.
Computer Vision Systems and Methods for Automatically Detecting, Classifying, and Pricing Objects Captured in Images or Videos
Systems and methods for automatically detecting, classifying, and processing objects captured in an images or videos are provided. In one embodiment, the system receives an image from an image source and detects one or more objects in the image. The system performs a high-level classification of the one or more objects in the image. The system performs a specific classification of the one or more objects, determines a price of the one or more objects, and generates a pricing report comprising a price of the one or more objects. In another embodiment, the system captures at least one image or video frame and classifies an object present in the image or video frame using a neural network. The system adds the classified object and an assigned object code to an inventory and processes the inventory to assign the classified object a price.
G06V 10/25 - Determination of region of interest [ROI] or a volume of interest [VOI]
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
Systems and methods for detecting and aligning land property boundaries on aerial imagery are provided. The system receives an aerial imagery having land properties. The system applies a feature encoder having a plurality of levels to the aerial imagery. A first level of the plurality of levels includes a convolution block and a discrete wavelet transform layer. The discrete wavelet transform layer decomposes an input feature tensor to the first level into a low-frequency band and a high-frequency band. The high-frequency band is cached and processed with side-convolutional blocks before the high-frequency band are passed to a feature decoder. The system applies the feature decoder to an output of the feature encoder based at least in part on one of inverse discrete wavelet transform layers. The system determines boundaries of the one or more land properties based at least in part on a boundary cross-entropy loss function.
G06V 10/46 - Descriptors for shape, contour or point-related descriptors, e.g. scale invariant feature transform [SIFT] or bags of words [BoW]Salient regional features
G06V 10/52 - Scale-space analysis, e.g. wavelet analysis
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto. Business consultancy services in the fields of natural and man-made risks, property and casualty risks, catastrophic risks, weather- related risks, cyber risks, climate risks, insurance, reinsurance, insurance portfolio management, insurance linked securities, and risk management; business consultancy services; providing business information; providing business information and reports in the fields of business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto. Providing insurance information; consulting, advisory, and analysis services in the fields of insurance, reinsurance, financial risk management, insurance and reinsurance portfolio risk, financial modeling and actuarial ratings, finance, and financial investment; providing information in the field of insurance risk management, namely, providing an on-line searchable database featuring location and site analytics for insurance risk management. Providing an on-line database of downloadable and non-downloadable computer-simulation software and non-downloadable computer-simulation models for use in the insurance, reinsurance, risk management and portfolio management fields, namely, computer software and models for risk analysis and loss estimate calculations relating to natural and man-made events, catastrophes, cyber events, weather and climate; consultancy services in the field of computer-simulation models and simulation software relating to natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, and climate modeling; consultancy services in the field of risk management software, portfolio loss modeling software and computer-simulation models, and software and computer-simulation models relating to rebuild and replacement costs for damaged structures; software as a service, namely, providing software as a service for insurance policy and portfolio management; computer services, namely, cloud hosting provider services; providing online, non-downloadable software and modeling platforms for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management, and modeling rebuild and replacement costs for damaged structures; providing online, non-downloadable software platforms for insurance claims management and insurance underwriting, all relating to claims arising from natural and man-made events, catastrophes, cyber events, weather and climate, for viewing information about real-time catastrophic events and risk related thereto, and for providing real time loss estimates before and after catastrophic events; providing online, non-downloadable software for viewing information about natural and man-made events, catastrophes, weather, cyber events, and climate, and risk related thereto; providing online, non-downloadable application programming interface (API) software for managing workflow, transferring data and for creating efficiencies in managing data, all in the field of risk analysis and loss estimates relating to natural and man-made events, catastrophes, cyber events, weather and climate; providing online, non-downloadable computer-simulation models for simulating natural and man-made disasters, catastrophes, cyber events, weather, and climate, and other loss events, and for use in risk assessment, emergency preparedness, and investment and financial analysis; providing online, non-downloadable computer-simulation models designed to represent the impact of events such as earthquakes, hurricanes, floods, wildfires, cyber events, and terrorist attacks on physical, economic and other systems and portfolios; providing online, non-downloadable software for analyzing and generating insurance, risk, and exposure data; providing online, non-downloadable software for use in locating information pertaining to, and managing, a database, calculating the costs of risks or losses, and generating models and making catastrophe risk analysis, all in the fields of insurance, risk management and risk analysis.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto. (1) Business consultancy services in the fields of natural and man-made risks, property and casualty risks, catastrophic risks, weather-related risks, cyber risks, climate risks, insurance, reinsurance, insurance portfolio management, insurance linked securities, and risk management; business consultancy services; providing business information.
(2) Providing insurance information; consulting, advisory, and analysis services in the fields of insurance, reinsurance, financial risk management, insurance and reinsurance portfolio risk, financial modeling and actuarial ratings, finance, and financial investment; providing information in the field of insurance risk management, namely, providing an on-line searchable database featuring location and site analytics for insurance risk management.
(3) Providing an on-line database of downloadable and non-downloadable computer simulation software and non-downloadable models for use in the insurance, reinsurance, risk management and portfolio management fields, namely, computer software and models for risk analysis and loss estimate calculations relating to natural and man-made events, catastrophes, cyber events, weather and climate; consultancy services in the field of models and simulation software relating to natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, and climate modeling; consultancy services in the field of risk management software, portfolio loss modeling software and models, and software and models relating to rebuild and replacement costs for damaged structures; software as a service, namely, providing software as a service for insurance policy and portfolio management; computer services, namely, cloud hosting provider services; providing online, non-downloadable software and modeling platforms for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management, and modeling rebuild and replacement costs for damaged structures; providing online, non-downloadable software platforms for insurance claims management and insurance underwriting, all relating to claims arising from natural and man-made events, catastrophes, cyber events, weather and climate, for viewing information about real-time catastrophic events and risk related thereto, and for providing real time loss estimates before and after catastrophic events; providing online, non-downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto; providing online, non-downloadable software for viewing information about natural and man-made events, catastrophes, weather, cyber events, and climate, and risk related thereto; providing online, non-downloadable application programming interface (API) software for managing workflow, transferring data and for creating efficiencies in managing data, all in the field of risk analysis and loss estimates relating to natural and man-made events, catastrophes, cyber events, weather and climate; providing online, non-downloadable models for simulating natural and man-made disasters, catastrophes, cyber events, weather, and climate, and other loss events, and for use in risk assessment, emergency preparedness, and investment and financial analysis; providing online, non-downloadable models designed to represent the impact of events such as earthquakes, hurricanes, floods, wildfires, cyber events, and terrorist attacks on physical, economic and other systems and portfolios; providing online, non-downloadable software for analyzing and generating insurance, risk, and exposure data; providing online, non-downloadable software for use in locating information pertaining to, and managing, a database, calculating the costs of risks or losses, and generating models and making catastrophe risk analysis, all in the fields of insurance, risk management and risk analysis.
55.
COMPUTER VISION SYSTEMS AND METHODS FOR DETECTING STRUCTURES USING AERIAL IMAGERY AND HEIGHTMAP DATA
Computer vision systems and methods for detecting structures using aerial imagery and heightmap data are provided. The system receives aerial imagery and at least one heightmap, and merges the aerial imagery and the heightmap to create a combined image. The system determines one or more structures of the land property based at least in part on the combined image and a computer vision model, which can detect one or more objects in the combined image. The system can generate and place a bounding box or a polygon around each of the detected objects, and generate and assign a structure classification to the bounding box or the polygon to indicate the structure of the object. The system can also determine a geographic location of each structure using the two-dimensional (2D) spatial information of the aerial imagery and the depth information of the heightmap.
G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
G06V 10/26 - Segmentation of patterns in the image fieldCutting or merging of image elements to establish the pattern region, e.g. clustering-based techniquesDetection of occlusion
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 10/80 - Fusion, i.e. combining data from various sources at the sensor level, preprocessing level, feature extraction level or classification level
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable software for analyzing and processing insurance claims data, for managing insurance claims and quality assessment of insurance claim estimates, for estimation and valuation of construction, reconstruction, remodeling and replacement costs, and for managing insurance claim inspections; Downloadable software for categorizing, analyzing, inventorying and pricing items in insurance claims and for generating imago descriptions for insurance claims; Downloadable software for assigning insurance claims to adjusters; Downloadable software for validating insurance adjuster estimates and for analysis of insurance adjuster performance; Downloadable software for processing insurance claim inspections; Downloadable business intelligence software for analyzing insurance claims data; Downloadable software for triage of insurance claims; Downloadable software for preparing insurance claim summaries and notes; Downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, and terrain. (1) Business consultancy services; Providing business information.
(2) Providing insurance information; Consulting, advisory, and analysis services in the fields of insurance; Providing information in the field of insurance risk management; Providing information on pricing items in insurance claims.
(3) Providing on-line non-downloadable software for analyzing and processing insurance claims data, for managing insurance claims and quality assessment of insurance claim estimates, for estimation and valuation of construction, reconstruction, remodeling and replacement costs, and for managing insurance claim inspections; Providing on-line non-downloadable software for categorizing, inventorying and pricing items in insurance claims and for generating image descriptions for insurance claims; Providing on-line non-downloadable software for assigning insurance claims to adjusters; Providing on-line non-downloadable software for validating insurance adjuster estimates and for analysis of insurance adjuster performance; Providing on-line non-downloadable software for processing insurance claim inspections; Providing on-line non-downloadable software for analyzing insurance claims data; Providing on-line non-downloadable software for triage of insurance claims; Providing on-line non-downloadable software for preparing insurance claim summaries and notes; Providing on-line non-downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, and terrain.
57.
Computer Vision Systems and Methods for Detecting Structures Using Aerial Imagery and Heightmap Data
Computer vision systems and methods for detecting structures using aerial imagery and heightmap data are provided. The system receives aerial imagery and at least one heightmap, and merges the aerial imagery and the heightmap to create a combined image. The system determines one or more structures of the land property based at least in part on the combined image and a computer vision model, which can detect one or more objects in the combined image. The system can generate and place a bounding box or a polygon around each of the detected objects, and generate and assign a structure classification to the bounding box or the polygon to indicate the structure of the object. The system can also determine a geographic location of each structure using the two-dimensional (2D) spatial information of the aerial imagery and the depth information of the heightmap.
A computer vision system and method for detecting and modeling features of a building in a plurality of images is provided. The system includes a computer system in communication with a database of aerial imagery, and computer vision system code executed by the computer system which automatically detects contours and infers interior roof features of the building. The system first processes the plurality of images to identify a plurality of two-dimensional (2D) line segments in each image. Then, the system processes the plurality of 2D line segments to generate a plurality of three-dimensional (3D) line segments. The plurality of 2D line segments are then processed to detect a contour of the structure, and the contour of the structure is utilized by the system to infer interior roof lines from the structure. A model of the roof of the structure is finally generated using the detected contour and interior roof lines.
G06V 10/766 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using regression, e.g. by projecting features on hyperplanes
Systems and methods for machine learning of medical records are provided. The system can execute multiple machine learning models on the medical records in parallel using multi-threaded approach wherein each machine learning model executes using its own, dedicated computational thread in order to significantly speed up the time with which relevant information can be identified from documents by the system. The multi-threaded machine learning models can include, but are not limited to, sentence classification models, comorbidity models, ICD models, body parts models, prescription models, and provider name models. The system can also utilize combined convolutional neural networks and long short-term models (CNN+LSTMs) as well as ensemble machine learning models to categorize sentences in medical records. The system can also extract service provider, medical specializations, and dates of service information from medical records.
G16H 10/60 - ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
G16H 50/70 - ICT specially adapted for medical diagnosis, medical simulation or medical data miningICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for mining of medical data, e.g. analysing previous cases of other patients
61.
Computer Vision Systems and Methods for Determining Roof Age and Remaining Life
Computer vision systems and methods for determining roof age and life are provided. The system processes newer and older images of an area of interest that includes a structure having a roof using computer vision to detect changes in roof conditions over time, and calculates a ground truth model of roof age and roof condition based on the detected changes. An initial linear regression model is calculated by the system, and noise is filtered from the model. A final linear regression model is then calculated by the system and validated. Using the final linear regression model, the system determines an age of the roof in the area of interest as well as the remaining life of the roof.
Computer vision systems and methods for determining roof age and life are provided. The system processes newer and older images of an area of interest that includes a structure having a roof using computer vision to detect changes in roof conditions over time, and calculates a ground truth model of roof age and roof condition based on the detected changes. An initial linear regression model is calculated by the system, and noise is filtered from the model. A final linear regression model is then calculated by the system and validated. Using the final linear regression model, the system determines an age of the roof in the area of interest as well as the remaining life of the roof.
G06V 10/766 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using regression, e.g. by projecting features on hyperplanes
A system for aerial image detection and classification is provided herein. The system comprising an aerial image database storing one or more aerial images electronically received from one or more image providers, and an object detection pre-processing engine in electronic communication with the aerial image database, the object detection pre-processing engine detecting and classifying objects using a disparity mapping generation sub-process to automatically process the one or more aerial images to generate a disparity map providing elevation information, a segmentation sub-process to automatically apply a pre-defined elevation threshold to the disparity map, the pre-defined elevation threshold adjustable by a user, and a classification sub-process to automatically detect and classify objects in the one or more stereoscopic pairs of aerial images by applying one or more automated detectors based on classification parameters and the pre-defined elevation threshold.
G06T 7/593 - Depth or shape recovery from multiple images from stereo images
G06V 10/22 - Image preprocessing by selection of a specific region containing or referencing a patternLocating or processing of specific regions to guide the detection or recognition
A system and method for generating a parametric model of a roof structure comprising a processor in communication with a memory. The system receives a plurality of parameters of each roof component composing the roof structure and performs a geometry creation based on the received plurality of parameters. The system generates a constrained three-dimensional geometry based on an output of the geometry creation, and displays a three-dimensional model of the roof structure based on the constrained three-dimensional geometry.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
G06F 3/04815 - Interaction with a metaphor-based environment or interaction object displayed as three-dimensional, e.g. changing the user viewpoint with respect to the environment or object
G06F 3/04845 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range for image manipulation, e.g. dragging, rotation, expansion or change of colour
G06F 30/17 - Mechanical parametric or variational design
G06F 111/20 - Configuration CAD, e.g. designing by assembling or positioning modules selected from libraries of predesigned modules
65.
Computer Vision Systems and Methods for Generating Building Models Using Three-Dimensional Sensing and Augmented Reality Techniques
Computer vision systems and methods for generating building models using three-dimensional sensing and augmented reality (AR) techniques are provided. Image frames including images of a structure to be modeled are captured by a camera of a mobile device such as a smart phone, as well as three-dimensional data corresponding to the image frames. An object of interest, such as a structural feature of the building, is detected using both the image frames and the three-dimensional data. An AR icon is determined based upon the type of object detected, and is displayed on the mobile device superimposed on the image frames. The user can manipulate the AR icon to better fit or match the object of interest in the image frames, and can capture the object of interest using a capture icon displayed on the display of the mobile device.
A system for modeling a three-dimensional structure utilizing two-dimensional segments comprising a memory and a processor in communication with the memory. The processor extracts a plurality of two-dimensional segments corresponding to the three-dimensional structure from a plurality of images indicative of different views of the three-dimensional structure. The processor determines a plurality of three-dimensional candidate segments based on the extracted plurality of two-dimensional segments and adds the plurality of three-dimensional candidate segments to a three-dimensional segment cloud. The processor transforms the three-dimensional segment cloud into a wireframe indicative of the three-dimensional structure by performing a wireframe extraction process on the three-dimensional segment cloud.
G06T 17/20 - Wire-frame description, e.g. polygonalisation or tessellation
G06V 10/75 - Organisation of the matching processes, e.g. simultaneous or sequential comparisons of image or video featuresCoarse-fine approaches, e.g. multi-scale approachesImage or video pattern matchingProximity measures in feature spaces using context analysisSelection of dictionaries
Computer vision systems and methods for text classification are provided. The system detects a plurality of text regions in an image and generates a bounding box for each detected text region. The system utilizes a neural network to recognize text present within each bounding box and classifies the recognized text, based on at least one extracted feature of each bounding box and the recognized text present within each bounding box, according to a plurality of predefined tags. The system can associate a key with a value and return a key-value pair for each predefined tag.
G06F 18/2413 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on distances to training or reference patterns
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Computer software and computer programmes; downloadable electronic publications; publications provided online via the internet or by other electronic means; artificial intelligence software; machine learning software; artificial intelligence software for analysis; interactive software based on artificial intelligence; software for the integration of artificial intelligence and machine learning in the field of Big Data; business intelligence software; data management software; computer chatbot software for simulating conversations; virtual assistant software; cloud computing software; computer software platforms; software for content creation; software to help create summary content; software for style guide corrections; software for demand modelling, namely for pulling data and analytics from multiple sources to rationalise and model specific scenarios; software for extracting data from reports; all the aforesaid goods relating to strategic business planning, financial planning, business process planning and improvement, business management, and commercial intelligence in the energy, chemicals, metals, mining and commodities industries.
(2) Printed matter; printed publications; printed reports; books, manuals, magazines, newsletters, pamphlets and brochures; educational and instructional materials; all the aforesaid relating to strategic business planning, financial planning, business process planning and improvement, business management, and commercial intelligence in the energy, chemicals, metals, mining and commodities industries. (1) Business management; business administration; professional business consultancy; business appraisals; business information; business investigations; business management and organisation consultancy; business research; provision of commercial information; compilation of information into computer databases; compilation of statistics; economic forecasting; provision of commercial information; provision of business information; marketing research and marketing studies; publication of publicity text and publicity; systemisation of information into computer databases; provision of commercial intelligence; business planning; data management; analysis of business data; all the aforesaid services relating to the energy, chemicals, metals, mining and commodities industries; information and advisory services relating to the aforesaid services.
(2) Arranging and conducting of conferences, congresses, seminars, symposiums and workshops (training); education and training services; provision of online electronic publications (not downloadable); publication of books; publication of electronic reports, books, journals online; all the aforesaid services relating to strategic business planning, financial planning, business process planning and improvement, business management, commercial intelligence in the energy, chemicals, metals, mining and commodities industries; information and advisory services relating to the aforesaid services.
(3) Scientific and technological services and research; industrial analysis and research services; analysis for oil field exploitation and exploration; analysis for mining exploitation; technological consultancy in the field of energy, chemicals, metals and mining; geological research and surveying; land surveying; material testing; oil prospecting; oil field surveys; oil well testing; research in the field of environmental protection; research in the field of artificial intelligence; research in the field of artificial intelligence technology; technical research in the energy, chemicals, metals, mining and commodities industries; software as a service [SaaS]; software as a service [SaaS] services featuring software for machine learning; software as a service [SaaS] featuring computer software platforms for artificial intelligence; providing artificial intelligence computer programs on data networks; platforms for artificial intelligence as software as a service [SaaS]; artificial intelligence consultancy; providing online non-downloadable computer software; hosting of databases; hosting platforms on the Internet; cloud computing services; cloud hosting provider services; data mining services; data warehousing; technical data analysis; software engineering services for data processing; computer programming services for the analysis of data; design and development of computer software for evaluation and calculation of data; providing online, non-downloadable computer software platforms; providing online, non-downloadable artificial intelligence software; providing online, non-downloadable machine learning software; providing online, non-downloadable artificial intelligence software for analysis; providing online, non-downloadable interactive software based on artificial intelligence; providing online, non-downloadable software for the integration of artificial intelligence and machine learning in the field of Big Data; providing online, non-downloadable business intelligence software; providing online, non-downloadable data management software; providing online, non-downloadable computer chatbot software for simulating conversations; providing online, non-downloadable virtual assistant software; providing online, non-downloadable cloud computing software; providing online, non-downloadable software for content creation; providing online, non-downloadable software to help create summary content; providing online, non-downloadable software for style guide corrections; providing online, non-downloadable software for demand modelling, namely for pulling data and analytics from multiple sources to rationalise and model specific scenarios; providing online, non-downloadable software for extracting data from reports; all the aforesaid services relating to the energy, chemicals, metals, mining and commodities industries; information and advisory services relating to the aforesaid services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable computer software and computer programmes for use in analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable electronic publications in the nature of articles, reports, presentations, brochures and newsletters in the field of strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable publications provided online via the internet or by other electronic means in the nature of articles, reports, presentations, brochures and newsletters in the field of strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable computer software using artificial intelligence for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable software using machine learning for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable computer software using artificial intelligence for data analysis in the energy, chemicals, metals, mining and commodity industries; downloadable interactive software using artificial intelligence for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable computer software for the integration of artificial intelligence and machine learning in the field of Big Data; downloadable business intelligence software for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable data management software; downloadable computer chatbot software for simulating conversations; downloadable virtual assistant software; downloadable cloud computing software for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable computer software platforms for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; downloadable computer software for content creation in the energy, chemicals, metals, mining and commodity industries; downloadable computer software for assisting in creating summaries of strategic business plans, financial plans, business process plans and improvements, business management, energy and commodity trading, and commercial intelligence content; downloadable computer software for enabling style guide corrections; downloadable computer software for demand modelling, namely, for pulling data and analytics from multiple sources to rationalise and model specific scenarios in the energy, chemicals, metals, mining and commodity industries; downloadable computer software for extracting data from reports; all the aforesaid goods relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodities industries Printed matter, namely, charts, maps and graphs; printed publications, namely, periodicals, books, manuals, magazines, newsletters, pamphlets and brochures; printed reports; printed matter, namely, books, manuals, magazines, newsletters, pamphlets and brochures; printed educational and instructional materials; all the aforesaid in the field of strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodities industries. Business management; business administration; professional business consultancy; business appraisals; business information; business investigations; business management and organisation consultancy; business research; provision of information concerning commercial sales; compilation of information into computer databases; compilation of statistics; economic forecasting; provision of business information; marketing research and marketing studies; publication of publicity text and publicity materials; systemisation of information into computer databases; provision of commercial intelligence, namely, providing business and market intelligence services; business planning; data management services for use in reporting business and market intelligence; analysis of business data; all the aforesaid services relating to the energy, chemicals, metals, mining and commodities industries; information and advisory services relating to the aforesaid services. Arranging and conducting of conferences, congresses, seminars, symposiums and training workshops; educational services, namely, conducting conferences, congresses, seminars, symposiums; training services; provision of online non-downloadable electronic publications in the nature of reports relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; publication of books; publication of electronic reports, books, journals online; all the aforesaid services in the field of strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, commercial intelligence in the energy, chemicals, metals, mining and commodities industries; information and advisory services relating to the aforesaid services. Scientific services, namely, data analysis and modelling in the fields of energy, chemicals, metals and mining; technological services, namely, data analysis and modelling in the fields of energy, chemicals, metals and mining; scientific research; industrial analysis and research services; analysis for oil field exploitation and exploration; analysis for mining exploitation; technological consultancy in the field of energy, chemicals, metals and mining; geological research and surveying; land surveying; material testing; oil prospecting; oil field surveys; oil well testing; research in the field of environmental protection; research in the field of artificial intelligence; research in the field of artificial intelligence technology; technical research in the energy, chemicals, metals, mining and commodities industries; software as a service (SaaS) services featuring software for use in the analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; software as a service (SaaS) services featuring software for enabling machine learning; platform as a service (PaaS) services featuring computer software platforms for enabling the use of artificial intelligence; providing online non-downloadable computer programs using artificial intelligence on data networks for use in analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; platform as a service (PaaS) services featuring computer platforms using artificial intelligence for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; technology consultancy in the field of artificial intelligence; providing online non-downloadable computer software for use in analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; hosting of online databases; hosting of computer platforms on the Internet; computer services, namely, integration of private and public cloud computing environments; computer services, namely, cloud hosting provider services; data mining services; data warehousing; technical data analysis; software engineering services for data processing; computer programming services for the analysis of data; design and development of computer software for evaluation and calculation of data; providing online, non-downloadable computer software platforms for use in analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; providing online, non-downloadable software using artificial intelligence (AI) for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; providing online, non-downloadable machine learning software for enabling computers to learn to perform tasks autonomously; providing online, non-downloadable software using artificial intelligence (AI) for data analysis; providing online, non-downloadable interactive software using artificial intelligence (AI) for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; providing online, non-downloadable software for the integration of artificial intelligence and machine learning in the field of Big Data; providing online, non-downloadable business intelligence software for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; providing online, non-downloadable data management software; providing online, non-downloadable computer chatbot software for simulating conversations; providing online, non-downloadable virtual assistant software; providing online, non-downloadable cloud computing software for analysis and modelling relating to strategic business planning, financial planning, business process planning and improvement, business management, energy and commodity trading, and commercial intelligence in the energy, chemicals, metals, mining and commodity industries; providing online, non-downloadable software for content creation in the energy, chemicals, metals, mining and commodity industries; providing online, non-downloadable for assisting in creating summaries of strategic business plans, financial plans, business process plans and improvements, business management, energy and commodity trading, and commercial intelligence content; providing online, non-downloadable software for enabling style guide corrections; providing online, non-downloadable software for demand modelling, namely, for pulling data and analytics from multiple sources to rationalise and model specific scenarios; providing online, non-downloadable software for extracting data from reports; all the aforesaid services in the field of energy, chemicals, metals, mining and commodities industries; information and advisory services relating to the aforesaid services
70.
Systems and methods for detecting, extracting, and categorizing structure data from imagery
Systems and methods for detecting, extracting, and categorizing structure data from aerial imagery following a major weather event are provided. The system processes digital images and weather data to automatically detect, extract, and categorize structure data following a major weather event. After receiving an indication of a region of interest (“ROI”) from a user, the system retrieves weather mapping data for the ROI and retrieves information related to attributes of structures within the ROI from a machine learning subsystem. The system then cross-references the property data, the weather data, and the structure attributes and assigns a risk rating to the structures within the ROI. Finally, the system generates and delivers a data package to the user.
Computer vision systems and methods for end-to end training of neural networks are provided. The system generates a fixed point algorithm for dual-decomposition of a maximum-a-posteriori inference problem and trains the convolutional neural network and a conditional random field with the fixed point algorithm and a plurality of images of a dataset to learn to perform semantic image segmentation. The system can segment an attribute of an image of the dataset by the trained neural network and the conditional random field.
G06V 10/26 - Segmentation of patterns in the image fieldCutting or merging of image elements to establish the pattern region, e.g. clustering-based techniquesDetection of occlusion
G06V 10/84 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using probabilistic graphical models from image or video features, e.g. Markov models or Bayesian networks
G06V 30/262 - Techniques for post-processing, e.g. correcting the recognition result using context analysis, e.g. lexical, syntactic or semantic context
72.
MACHINE LEARNING SYSTEMS AND METHODS FOR IMAGE SPLICING DETECTION AND LOCALIZATION
Machine learning systems and methods for image splicing detection and localization are provided. The system receives an image (e.g., a still digital image, an image frame from a video file, etc.) and divides the image into a set of patches using a patch partitioning algorithm. The system then processes the patches a point set in a high-dimensional feature space, and extracts features from the patches. The system then performs deep learning on the point sets by performing image-level manipulation classification and localization.
G06V 10/50 - Extraction of image or video features by performing operations within image blocksExtraction of image or video features by using histograms, e.g. histogram of oriented gradients [HoG]Extraction of image or video features by summing image-intensity valuesProjection analysis
G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
G06V 20/90 - Identifying an image sensor based on its output data
Computer vision systems and methods for object detection with reinforcement learning are provided. The system includes a reinforcement learning agent configured to detect an object pertaining to a target object class and a plurality of objects pertaining to different target object classes, such that the reinforcement learning agent determines a bounding box for each of the detected of objects. The system first sets parameters of the reinforcement learning agent. The system then detects an object and/or objects in an image based on the set parameters. Finally, the system determines a bounding box and/or bounding boxes for each of the detected objects.
G06T 11/20 - Drawing from basic elements, e.g. lines or circles
G06V 10/25 - Determination of region of interest [ROI] or a volume of interest [VOI]
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
Machine learning systems and methods for image splicing detection and localization are provided. The system receives an image (e.g., a still digital image, an image frame from a video file, etc.) and divides the image into a set of patches using a patch partitioning algorithm. The system then processes the patches a point set in a high-dimensional feature space, and extracts features from the patches. The system then performs deep learning on the point sets by performing image-level manipulation classification and localization.
G06V 10/26 - Segmentation of patterns in the image fieldCutting or merging of image elements to establish the pattern region, e.g. clustering-based techniquesDetection of occlusion
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 10/77 - Processing image or video features in feature spacesArrangements for image or video recognition or understanding using pattern recognition or machine learning using data integration or data reduction, e.g. principal component analysis [PCA] or independent component analysis [ICA] or self-organising maps [SOM]Blind source separation
G06V 10/771 - Feature selection, e.g. selecting representative features from a multi-dimensional feature space
G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
75.
System and Method for Generating Computerized Floor Plans
A system and method for generating computerized floor plans is provided. The system comprises a mobile computing device, such as a smart cellular telephone, a tablet computer, etc. having an internal digital gyroscope and camera, and an interior modeling software engine interacts with the gyroscope and camera to allow a user to quickly and conveniently take measurements of interior building features, and to create computerized floor plans of such features from any location within a space, without requiring the user to stay in a single location while taking the measurements. The system presents the user with a graphical user interface that allows a user to quickly and conveniently delineate wall corner features using a reticle displayed within the user interface. As corners are identified, the system processes the corner information and information from the gyroscope to calculate wall features and creates a floor plan of the space with high accuracy.
G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
76.
Computer Vision Systems and Methods for Generating Building Models Using Three-Dimensional Sensing and Augmented Reality Techniques
Computer vision systems and methods for generating building models using three-dimensional sensing and augmented reality (AR) techniques are provided. Image frames including images of a structure to be modeled are captured by a camera of a mobile device such as a smart phone, as well as three-dimensional data corresponding to the image frames. An object of interest, such as a structural feature of the building, is detected using both the image frames and the three-dimensional data. An AR icon is determined based upon the type of object detected, and is displayed on the mobile device superimposed on the image frames. The user can manipulate the AR icon to better fit or match the object of interest in the image frames, and can capture the object of interest using a capture icon displayed on the display of the mobile device.
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
G06F 3/04845 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range for image manipulation, e.g. dragging, rotation, expansion or change of colour
37 - Construction and mining; installation and repair services
Goods & Services
Providing online computer databases and information, featuring information on construction of buildings, and restoration and repair of buildings and automobiles; Providing information and analysis in the field of building construction, building inspection in the course of construction, roofs, other features of building structures, structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, for use in building inspections, risk assessment, hazard assessment, and reconstruction assessment; Providing an interactive website featuring information and analysis relating to construction, namely, information about building construction, building damage repair, and building repair; Providing information and analysis in the field of construction of building structures, roofs, other features of building structures; Consulting in the fields of building in the nature of building construction and repair of damages to buildings caused by catastrophes; Providing online information in the field of building construction information, for detecting, identifying, measuring and analyzing roofs, building structures, property, terrain, and other objects and conditions; Providing online information in the field of rebuilding and repair of building structures, roofs, and other features of property, for creating drawings, floorplans, and schematics of property; Providing online information in the field of building inspection in the course of construction for use in inspection, evaluation and assessment of buildings.
Automatic electronic transmission of notifications of changes in automobile liability insurance policies to state motor vehicle departments; Providing access over a global computer network to databases and information for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing access to a database with information and analysis concerning the natural hazards that have occurred at property addresses or locations; Electronic transmittal of information and analysis concerning the natural hazards that have occurred at property addresses or locations.
39 - Transport, packaging, storage and travel services
Goods & Services
Providing an interactive website featuring information in the field of transportation; Providing information in the field of transportation; Providing information about the transport of commodities.
41 - Education, entertainment, sporting and cultural services
Goods & Services
Educational services, namely, conducting seminars, lectures, workshops and web seminars, for the insurance, insurance premium audit, law enforcement, and fraud detection fields, and providing training manuals in connection therewith; Providing online publications, namely, newsletters in the field of property and casualty insurance claim; Providing on-line information circulars containing actuarial data and analysis for use in insurance rate-making and other actuarial processes; Educational services, namely, providing in-person and on-line training courses, seminars and workshops and providing round table and panel discussions, in the fields of insurance, building and construction, climate, environment, catastrophes, weather events and issues, geopolitics, and agriculture; Online non-downloadable white papers, research papers, instruction books, and tutorials, all in the fields of insurance, real estate, building and construction, catastrophes, climate, environment, weather events and issues, geopolitics, and agriculture; Providing online publications in the nature of reports, briefs, and newsletters in the field of insurance, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment and financial and investment analysis; Developing educational programs for use by law enforcement agencies to deter theft and find stolen property; Providing online non-downloadable electronic publications in the nature of maps featuring information and analytics relating to wildfires and risk associated with wildfires; Providing online non-downloadable publications in the nature of electronic reports with information on and analysis of wildfires via a global computer network; Educational services, namely, conducting conferences in the fields of catastrophe insurance and catastrophe response; Providing news in the nature of current event reporting related to weather catastrophes; Providing in person educational forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, geopolitics, and agriculture; Providing on-line webinars in the fields of insurance, building and construction, climate, environment, catastrophes, weather events and issues, surveillance, geopolitics, and agriculture; Providing non-downloadable electronic publications, namely, electronic reports with information on and analysis of fire protection efforts via a global computer network; Providing an online non-downloadable publication, namely, glossary of technical terms regarding the loss and theft of heavy construction equipment for use by insurance companies, manufacturers and law enforcement; Providing in-person educational forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, geopolitics, and agriculture; Providing an interactive website featuring imagery in the nature of non-downloadable photographs in the fields of insurance; Providing an interactive website featuring imagery in the nature of non-downloadable photographs in the fields of insurance and financial risk assessment, insurance and financial risk detection, insurance and financial risk analysis, and financial risk management; Providing a website featuring non-downloadable imagery in the nature of photographs in the field of property and terrain; Providing a website featuring non-downloadable imagery in the nature of videos and photographs in the field of weather, environmental analysis, climate science, and forensic analysis; Providing a website featuring non-downloadable imagery in the nature of photographs in the field of insurance claims investigations; Providing on-line non-downloadable publications in the nature of electronic reports with information and analytics relating to insurance data; Arranging and conducting business conferences for persons in the business of insurance and risk management.
45 - Legal and security services; personal services for individuals.
Goods & Services
Compiling and analyzing healthcare billing data in order to uncover and identify and prevent fraud, waste and abuse; Pre-employment background verification of a person's credentials and screening services, namely, pre-employment background screening, verifying professional credentials for employment purposes, and automatic monitoring of public records regarding active employees for criminal activity; Providing a searchable online database to assist property owners and law enforcement to investigate and recover stolen or damaged property; Providing online information about fire prevention and fire ratings of local communities, namely, emergency response statistics, and information, namely, emergency response information about buildings and real property surveys and maps as it pertains to fire prevention; Investigation services in the field of health care insurance claims to detect fraud; Reviewing standards and practices of building departments of municipalities to determine and evaluate their compliance with building codes, for the benefit of the insurance industry; Data validation services provided to insurance companies, law enforcement agencies and equipment owners, namely, providing data in the nature of assigned identification numbers for theft protection verifying the accuracy and status of Product Identification Numbers for equipment electronically or via the telephone; Providing reports for hiring companies, employers, and potential employers, containing information for background screening; Providing information on motor vehicle violations of drivers and insurance policyholders to others; Licensing of computer software and software programs; Providing information and an interactive website featuring information and analysis relating to insurance claims investigations, workers compensation fraud investigations; Providing pre-employment background screening services, namely, providing online information on employment histories, verification of education, credentials, and prior employment for security purposes, criminal background checks, and automatic monitoring of active employees for criminal activity through a global information network; Providing news related to laws and regulations impacting the insurance industry; Providing information on and analysis of wildfires to assist communities with evaluating risk; Providing ratings information, namely, review of fire prevention measures used to evaluate risk; Providing information on and analysis of fire protection efforts to evaluate fire risk; Providing on-line databases to insurers, truckers, shippers and law enforcement agencies featuring identification numbers, descriptions of assets, asset location information, other asset identifying factors and investigative recovery information, to aid in the identification and recovery of stolen goods; Providing an online database featuring investigative recovery information about lost or stolen heavy construction equipment for use by insurance companies, manufacturers and law enforcement; Providing an online searchable database accessible via a global communication network that contains descriptions of heavy equipment in the field of construction, namely, assigned numbers for identification and tracking, descriptions of assets, asset location information, other asset identifying factors and investigative recovery information, to assist owners and law enforcement, in the case of theft, to hasten the possibility of recovery; Providing a database via a global communications network with information and analysis of theft of assets; Providing information regarding theft of assets distributed electronically by email and fax; Providing a website featuring information and analysis of theft of assets; Providing a website featuring online notifications for individuals about information regarding theft of assets sent via electronic message alerts; Background investigation and research services, namely, screening and monitoring employees and candidates for employment for criminal records, driving records, social security number verification and verification of education and employment history; Employment and pre-employment background investigation, namely, providing on-line information for employers about employees and candidates for employment concerning criminal records, driving records, and verification of social security numbers, education, and employment history; Fraud detection services, namely, investigation in the field of insurance claims investigations; Security threat analysis, namely, for protecting commercial property; Providing information regarding theft of assets distributed electronically through downloadable mobile applications; Providing and analyzing statistical health data to uncover and identify healthcare fraud and healthcare claims errors; Business investigations for fraud prevention; Compilation and analysis of fraud and security data in the fields of insurance, banking, finance, law enforcement, and geopolitics, all for detecting fraud and security threats; Preparation of reports with information in the field of wildfire prevention and wildfire-fighting and safety risk associated with wildfires, and ratings information relating to wildfires used to evaluate safety risk; Compilation and analysis of information, namely, safety risk information in the field of wildfires and analysis of safety risk associated with wildfires; Compilation and analysis of ratings information, namely, fire prevention information relating to wildfires, used to evaluate risk; Providing risk analysis ratings information, namely, fire prevention information in the field of wildfires to the insurance industry used to evaluate risk; Providing a database that contains investigation results, namely, claims investigations for fraud prevention regarding the loss, damage or theft of insured property for use by insurance companies; Providing information in the field of insurance claims, namely, investigation of insurance claims; Providing databases and information in the field of insurance claims investigations and insurance fraud investigation information; Providing information and analytics regarding property locations and characteristics, namely, compiling crime occurrence data for purposes of insurance and financial risk assessment; Providing a database that contains investigation results in the field of insurance claims investigations of loss, damage or theft of heavy construction equipment and that is offered via a global communications network for use by insurance companies; Providing vehicle history reports, namely, vehicle safety history reports; Providing on-line computer databases featuring risk analysis information about perils in the nature of acts of terrorism, civil unrest, and theft; Providing information and analysis, namely, safety inspection information and analysis relating to building structures, roofs, other features of building structures, structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, for use in risk assessment and hazard assessment; Providing an interactive website featuring information and analysis relating to construction, namely, information about safety at construction sites; Providing on-line information in the field of fraud investigations for managing workers compensation claims; Providing on-line information in the field of screening candidates for employment for criminal records; Providing information about insurance and prospective insureds and reports relating to insurance, namely, insurance claims investigation information and insurance fraud information; Providing a database that contains insurance fraud investigation results regarding loss, damage, and theft of insured property for use by insurance companies; Providing information in the field of fraud detection investigations relating to insurance claims; Providing information about vehicles, namely, information about vehicle safety risks and accident investigations for insurance and financial purposes; Providing information on and analysis of fire protection efforts, namely, fire prevention to assist in underwriting of insurance and financial services products; Providing on-line computer databases featuring risk analysis information about perils in the nature of terrorism and theft; Compilation and analysis of information in the field of fire protection efforts for use in the fields of insurance and financial services; Providing theft, fraud, and recovery information and analysis in the field of supply chain logistics, namely, about supply chain security, cargo theft trends and recovery assistance to aid motor carriers, manufacturers, retailers, and insurance and logistics companies in mitigating cargo theft and fraud, and monitoring and tracking of cargo, inventory, vehicles, and equipment for supply chain theft prevention purposes; Providing information and analysis relating to emergency services, namely, information about fire-fighting services used to analyze risk; Providing a database that contains investigation results, namely, insurance claim investigations, regarding the loss, damage or theft of insured property for use by insurance companies; Providing information and analytics on insurance-related court decisions; Providing medical data via an online portal and API interface for use by law firms for legal purposes.
09 - Scientific and electric apparatus and instruments
Goods & Services
Downloadable reports about property damage, loss, climate, environment, weather events, and catastrophes; Downloadable images in the fields of engineering, weather, environment and climate, insurance, construction, law enforcement, and emergency services; Downloadable software for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Downloadable software for detecting, identifying, and analyzing roofs, building structures, property, terrain and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Downloadable software for capturing, viewing, storing, editing, arranging, annotating, transmitting, processing, analyzing, searching, managing, displaying, detecting, reproducing, modifying and otherwise interacting with or utilizing information, data, and aerial, terrestrial, satellite, and geospatial imagery and other imagery and outputs from sensory and detection technologies; Downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, terrain and other objects and conditions; Downloadable software for integrating electronic data and other information with real world environments; Downloadable software for use in detection, inspection, evaluation and assessment of buildings and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Downloadable and recorded software for risk assessment, analysis and management and hazard assessment, analysis and management; Downloadable and recorded software to assist in insurance claims assessment, analysis and management; Downloadable software for capturing, storing, managing, processing and transmitting photos, videos and other sensory and detection information; Downloadable software used for capturing, storing and accessing images and geographic, locational and other data regarding the captured, stored and accessed images; Downloadable and recorded software for use in analysis, predictive modeling, and creating reports, relating to property damages, loss information, climate, environment, weather events, and catastrophes, pandemics, and terrorism threats; Downloadable software for controlling imaging apparatus and technologies and other sensory and detection apparatus and technologies; Downloadable software for use in valuations of real estate, buildings, fixtures, personal property and other objects; Downloadable software for identifying, documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Downloadable software, namely, graphic based construction estimation software, which estimates the cost of building or repairing structures and other objects; Downloadable and recorded software, namely, cost estimation, project management and analytic reporting software; Downloadable and recorded software for identifying, estimating and valuing insuring, remodeling, replacement and construction costs; Downloadable reports, data files and software for underwriting and risk analysis, all in the field of information and analytics regarding weather, climate, environment, hazards and other events and conditions; Downloadable electronic maps featuring information and analytics regarding weather, climate, environment, hazards and other conditions; Downloadable and recorded software for risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Downloadable software for accessing information on risk for specific geographic regions, catastrophic events, weather, climate, and environmental events, world events, and other potential loss events; Downloadable and recorded software for providing insurance data; Downloadable and recorded software for use in insurance, insurance services, insurance underwriting, and insurance rating information, and for computing, estimating, and analyzing insurance risk information; Downloadable and recorded risk modeling software for analyzing business and financial risk; Downloadable and recorded software for climate, environment and disaster risk management; Downloadable electronic publications in the nature of reports, briefs and data files featuring information regarding risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis, and insurance hazard assessment; Downloadable electronic publications in the nature of reports, briefs and data files for use by insurance companies in the fields of corporate social responsibility, compliance, risk management and strategy, and audits; Downloadable electronic publications in the nature of reports, briefs and data files featuring information regarding risk for specific geographic regions, catastrophic events, weather, climate, and environmental events, world events, and other potential loss events; Downloadable electronic publications in the nature of reports, briefs and data files featuring information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Downloadable electronic publications in the nature of reports, briefs and data files featuring insurance data, insurance risk information, information about insurance services, insurance underwriting, insurance rating, insurance claims, insurance fraud and abuse, and insurance risk, business risk and financial risk; Downloadable electronic publications in the nature of reports, briefs and data files featuring information on climate, environment and disaster risk management; Downloadable computer software for accessing, capturing, managing and organizing data and generating reports for use in analysis, and risk management, and downloadable software for identifying, tracking, capturing, and analyzing consumer events for marketing in the financial services field data; Downloadable and recorded simulation software for the modeling of natural and man-made events, terrorism threats and pandemics; Downloadable and recorded catastrophe modeling software; Downloadable and recorded weather modeling software; Downloadable and recorded climate and environment modeling software; Downloadable and recorded software for accessing, capturing analyzing, managing and organizing data and generating reports for use in risk management; Downloadable and recorded loss modeling software; Downloadable and recorded software to model rebuild and replacement costs for damaged structures; Downloadable computer software for use with product regulatory compliance, namely, for use in data collection, database management, analytics, regulatory reporting, and providing information to customers on compliance with customer, industry and/or regulatory obligations; Downloadable electronic reports, data files and databases with information on and analysis of wildfires and risk associated with wildfires, and ratings information relating to wildfires used to evaluate risk; Downloadable electronic reports with information on and analysis of fire protection efforts; Downloadable electronic reports with ratings information relating to fire protection efforts used to evaluate risk; Downloadable data files in the fields of merchant risk assessment and merchant compliance with customer, industry and/or regulatory obligations; Downloadable software for detection of fraudulent activity; Downloadable software for identifying damage to vehicles; Downloadable electronic reports with bankruptcy information; Downloadable electronic reports regarding theft of assets; Downloadable and recorded software for metrics tracking, retail transaction analytics and profit enhancement all relating to loss prevention for use in insurance, risk management, risk assessment, and risk analysis; Downloadable software for insurance claims management, retail incident and case management and reviewing, analyzing, and tracking of insurance claims and retail data; Downloadable software for incident reporting; Downloadable software for identifying theft and fraud; Downloadable software for identifying, investigating and analyzing data for use in insurance fraud investigations; Downloadable software for providing estimates of loss to assist in settlement of retail fraud incidents, and insurance claims; Downloadable software for data collection, analytics, and providing alerts pertaining to retailer transaction and other retailer data, crimes, accidents, other safety events in the workplace and brand protection issues; Downloadable software to assist retailers, property owners and law enforcement to investigate and recover stolen or damaged property, to share and analyze information regarding crimes, and for reporting of criminal activity; Downloadable and recorded software for use in risk mitigation arising from weather, climate and environmental events; Downloadable software for analyzing data and creating reports relating to risk, metrics tracking, retail transaction analytics, profit enhancement and loss prevention; GPS tracking devices; Downloadable and recorded software for providing information and analytics about insurance, reinsurance, and insurance claims; Downloadable and recorded software used to analyze and manage risk, to compile insurance claim information, to analyze and manage insurance information and insurance claim information, to track and manage financial information relating to insurance, to identify and detect fraud and abuse and to provide downloadable reports related thereto; Downloadable reports, data files, and electronic maps, featuring information and analytics regarding weather and natural hazards; Downloadable software for creating and viewing reports and maps about weather and natural hazards that have occurred at geographic locations; Downloadable and recorded computer software for accessing downloadable databases for analyzing risk relating to weather and other perils; Downloadable and recorded software for accessing information on estimates of insured loss and actual insured loss resulting from catastrophic events, for accessing information on weather events and other catastrophic events, for risk management and analysis, for financial risk assessment, for financial and investment analysis, for providing insurance claims data, for facilitating interaction and engagement between insurers and claims adjusters, and for providing feedback about insurance claims; Downloadable databases and electronic publications in the nature of articles and reports with information on estimates of insured loss and actual insured loss resulting from catastrophic events; Downloadable databases and electronic publications in the nature of articles and reports with information about weather events and other catastrophes; Downloadable databases and electronic publications in the nature of articles and reports with information in the insurance industry; Databases recorded on computer media with information in the field of business strategic and operational risk management and analysis, business strategic and operational risk analytics, business strategic and operational risk calculation, business strategic and operational risk mitigation, business strategic and operational risk forecasting; Downloadable electronic reports with research and analytics in the fields of cybersecurity and cyber risks; Downloadable software for use in insurance inspection, management and valuations of real estate, buildings, fixtures, automobiles and personal property; Downloadable software for use in personal property replacement cost valuation; Downloadable software for uploading photos and videos, for streaming and recording videos, and for communicating with and sharing information with insurance policyholders and insurance industry professionals; Downloadable software for collaboration and communication among multiple users, in particular for voice and video conferencing, messaging, calendaring, task managing, document and information exchange, and providing feedback; Downloadable insurance broking software; Downloadable reports featuring insurance information; Downloadable reports featuring insurance loss history information to assist with insurance underwriting and ratings; Downloadable software for collecting data about vehicles, performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Downloadable software for assisting with predictive modeling and analysis of insurance data, insurance underwriting and assessment of insurance risk; Downloadable software for mobile devices, namely, software for collecting data about performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Downloadable electronic reports and data files relating to insurance, insurance underwriting, risk assessment, risk management and analysis, hazard assessment, catastrophic events, and aerial, terrestrial, and satellite imagery, photographic data, and geospatial data; Downloadable software for pre-populating insurance documents with data about real property, personal property, and owners and occupants of real property; Downloadable and recorded software for creating insurance forms and documents relating to real property, personal property, and owners and occupants of real property; Downloadable and recorded software for accessing information for the analysis of insurance risk, insurance underwriting, and insurance coverage; Downloadable and recorded software for accessing information on and analysis of real property and personal property valuation, and estimation of replacement, restoration and repair costs of property and structures; Downloadable and recorded software for accessing information about real property and ownership and usage of real property; Downloadable software for accessing information about consumer usage of physical property obtained through electronic monitoring, and information about personal property and ownership of personal property; Downloadable and recorded software for accessing information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Downloadable electronic reports, data files, and white papers, with information on real property, personal property, and property valuation, ownership and usage, and estimation of replacement, restoration and repair costs of property and structures; Downloadable electronic reports and data files with information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Downloadable software for use in identifying, investigating and analyzing insurance fraud; Downloadable software to retrieve, review, analyze, upload and organize data from medical records, and to create reports from such data, for use in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; Downloadable electronic data files and downloadable reports featuring medical data to assist in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; all specifically excluding investment advisory, investment consulting, asset allocation, wealth management, mutual fund management, or financial planning services, including annuities, stocks, bonds, and mutual funds; Downloadable software to assist in the collection of data relating to customer identity resolution and consumer intelligence; Downloadable software to assist with lead intelligence; Downloadable software to assist with TCPA consent verification; Downloadable software to assist with marketing personalization; Downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto.
Providing business risk assessment information to insurance carriers; Providing information in the field of property and casualty insurance claims auditing; Providing referral services for building improvement, remodeling, and repair service providers; Providing building and construction cost assessments and cost-estimating services; Providing healthcare cost review regarding cost reduction services to insurance organizations and other payors of healthcare claims; Providing an online cost modeling database featuring replacement cost estimates for building structures used in the insurance field for contracting work; Analyzing computer data, and preparing reports of information generated during the operation of vehicles, instruments and machinery for business purposes; Providing estimates of the costs of building repair, restoration, and reconstruction, namely, estimating contracting work; Providing pricing information for use in estimating and valuing the costs of construction, remodeling, repair or replacement of residential, commercial, industrial and agricultural structures and the fixtures and contents thereof; Compilation and analysis of business data in the fields of agriculture, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, construction, real estate, law enforcement, emergency services, government, real estate, and geopolitics; Insurance claims auditing services; Providing business information in the fields of imagery and geospatial data, agriculture, natural resources, and geopolitical issues; Providing in-person promotional forums in the fields of insurance, building and construction, catastrophes, climate, environment and weather events and issues, natural resources, geopolitics, and agriculture; Providing an interactive website featuring information and analysis relating to business risk management in the field of insurance; Providing information and analysis relating to business risk management in field of insurance; Trade information in the field of insurance; Compilation and analysis of business information to assist in risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, financial and investment analysis; Preparing electronic reports for business or commercial purposes in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Providing online databases with information in the field of business strategic and operational risk management and analytics, risk calculation, risk mitigation, risk forecasting; Risk management services; Preparing electronic reports for business strategic and operational purposes in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Business data analysis for measuring the effectiveness of advertisements and targeting consumers; Business research; Providing data in the field of consumer behavior, namely, marketing information about consumer behavior; Maintaining a registry in the field of heavy machinery with information on ownership and theft of assets; Maintaining a database in the nature of a registry that provides data on the ownership of construction equipment for use by the insurance industry and law enforcement; Maintaining a registry of investigators of stolen equipment; Compiling and analyzing data, namely, business data for use in the insurance and financial industries; Compilation and analysis of information, namely, data compiling and analyzing in the field of insurance, relating to wildfires and analysis of risk associated with wildfires; Compilation and analysis of ratings information, namely, business risk assessment in the field of wildfires, used to evaluate risk; Business consulting in the fields of weather, climate and environmental risk; Compilation and analysis of data to assist in insurance claims management and analysis, and business risk management and analysis; Providing business information and online databases featuring business information, namely, business information related to weather-related events, other catastrophic events, and business information related to estimates of insured loss and actual insured loss resulting from catastrophic events; Providing databases in the field of insurance claims auditing; Compilation and analysis of insurance data in the fields of agriculture, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, construction, real estate, law enforcement, emergency services, government, and geopolitics, all for insurance analysis; Compiling and analyzing data for insurance analysis purposes; Consulting in the fields of natural resources management and geopolitics; Providing online websites in the field of insurance claims auditing, business risk management and analysis, business risk analytics, business risk calculation, business risk mitigation, and business risk forecasting; Providing on-line information in the field of property and casualty insurance loss, namely, claims auditing; Providing on-line information in the field of insurance premium audits, for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; Providing on-line information in the field of estimating contracting work to receive, track, document and manage repair estimates and property replacement costs; Providing on-line information in the field of screening candidates for verification of education, credentials, and employment history for business purposes; Providing on-line information in the field of estimating contracting work for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing information about insurance and potential insured, namely, providing statistical evaluation of insurance claims performance measures for others; Consulting about managing business risk relating to catastrophes; Providing in person promotional forums in the fields of technology in insurance, real estate, building and construction, catastrophes, climate, environment and weather events and issues, natural resources, geopolitics, and agriculture; Providing lead certification services associated with unique identifiers, and services related to lead events, namely, the analysis, tracking, monitoring, authentication, verification, and validation of lead events; Providing business risk information relating to cybersecurity and cyber risks; Compilation and analysis of business data in the field of cybersecurity and cyber risk assessment; Compiling, providing and updating an index of building construction remodeling activities; Providing business information about agricultural commodities, namely, production yield information via a global computer network; Providing a web site featuring a searchable database of business information related to agricultural commodities; Business information services, namely, reporting of information and data about the transport of commodities; Providing computer databases, information, and analytics about characteristics, components, loss experience, loss propensity, history, pricing and insurance claims associated with motor vehicles for business purposes; Providing analytics in the field of insurance, namely, analysis of business risk used to make decisions about insurance underwriting and insurance claims; Business data analysis of the effects of weather and catastrophic events on business performance, in the fields of insurance; Providing information and analytics on consumer spending; Providing information and analytics about consumer behavior and consumer response to marketing, products and services; Providing information and analytics about market conditions; Providing data in the field of identity resolution and consumer intelligence; Providing consumer intelligence data, lead intelligence data, TCPA consent verification, data and marketing personalization data; Business consultancy services in the fields of natural and man-made risks, property and casualty risks, catastrophic risks, weather-related risks, cyber risks, climate risks, insurance, reinsurance, insurance portfolio management, insurance linked securities, and risk management; Business consultancy services; Providing business information.
36 - Financial, insurance and real estate services
Goods & Services
Providing information about property and casualty insurance and underwriting risks, risk and evaluation, and risk management, for use by insurance companies in handling insurance claims and insurance investigations, about pending and historical insurance claims, and the adequacy of insurance coverage; Providing insurance information relating to changes in automobile insurance policies; Insurance rating services and information relative thereto, namely, benchmarking expected loss for financial risk assessment purposes, and computing and providing information about computation of insurance premium information; Providing insurance appraisals and evaluations, namely, appraisals of personal and real property insurance claims, and repair cost appraisal; Providing real-time insurance claims processing reports to insurance carriers and restoration contractors; Providing insurance claims processing featuring automated claims administration management, tracking, and monitoring of all stages of insurance claims handling; Insurance consulting in the nature of evaluating issued insurance policy information in conjunction with third party data libraries and proprietary databases and assessing rating factor errors in premium auditing to enhance actuarial analysis, and determining for others the accuracy and validity of insurance policyholders data used for the calculation of insurance policy premiums; Providing reports for mortgage originators and lenders containing information in making decisions about loans; Providing insurance information regarding the data of insurance policy transactions to comply with requirements to notify lien holders, secured parties, or mortgagees of changes in insurance coverage or policies; Providing information in the field of insurance claims, namely, assessment of insurance claims; Providing information on property damage and terrain, namely, financial appraisal of damages and information about insurance and financial risks relating to damage to property and terrain, to assist in insurance claims administration and analysis, insurance and financial risk management and analysis, financial risk assessment, and financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance and real estate; Providing an interactive website featuring information and analysis, namely, information in the fields of insurance and financial risk assessment, insurance and financial risk detection, insurance and financial risk analysis, and financial risk management; Providing databases and information in the field of insurance, insurance services, insurance analytics, insurance claims, insurance management and analysis, namely, claims assessment, claims adjustment, actuarial information, insurance underwriting information, insurance claim appraisal history and asset valuation appraisal history, insurance coverage verification, financial risk management and analysis, financial risk analytics, financial risk calculation, financial risk mitigation, financial risk forecasting, financial risk assessment, financial and investment analysis; Providing databases and information in the field of claims assessment, claims adjustment, actuarial information, insurance claim appraisal history and asset valuation appraisal history insurance coverage verification, and real estate, all to assist with insurance underwriting; Insurance underwriting information services; Insurance analysis services, namely, assessing insurance claims, and analyzing insurance information for purposes of financial risk assessment; Providing online databases using predictive modeling to allow insurance carriers and insurance underwriters to rate and underwrite insurance policies; Providing information and analytics on financial risk relating to specific geographic regions, weather, climate and environmental events, other catastrophes, world events, and other loss events; Providing insurance and financial risk analysis information and information for investors, manufacturers, insurance carriers, commodities traders, investors, and those in the supply chain, in the field of climate, environment, world events, and disaster risk management; Providing financial risk and investment data regarding climate, environment, world events, and disasters for use in the insurance and financial fields; Consulting and advisory services and providing information in the field of insurance; Providing information and analytics regarding property locations and characteristics, namely, insurance risks derived from property locations for purposes of insurance and financial risk assessment; Providing insurance ratings information, namely, insurance data analyzing insurance loss history and financial information used to evaluate insurance and financial risk; Consulting and advisory services in the fields of financial risk assessment, financial and investment analysis; Financial consultancy and financial risk management; Providing an online database that contains a glossary of technical terms in the field of insurance, covering loss, damage or theft of heavy construction equipment and that is offered via a global communications network for use by insurance companies; Insurance claims administration; Services to insurance companies, Intermediaries and sellers in the nature of assessment and management of medical insurance underwriting risk, and claims adjustments on insurance products; Providing information about vehicle insurance and underwriting risks, risk assessment and evaluation, and risk management; Providing information about vehicles, namely, information about damage and repair appraisal and repair cost, for insurance and financial purposes; Providing vehicle history reports, namely, providing reports about damage and repair appraisal for insurance risk evaluation purposes; Providing information on and analysis of fire protection efforts, namely, insurance and financial risk associated with fire ratings of local communities, to assist in underwriting of insurance and financial services products; Providing ratings information relating to fire protection efforts, namely, insurance risk assessment information used to evaluate insurance and financial risk; Providing information on and analysis of wildfires and risk associated with wildfires, namely, insurance risk information, and ratings information relating to wildfires, namely, insurance risk assessment information, used to evaluate risk, all of the foregoing used to evaluate insurance and financial risk; Providing information in the field of insurance claims risk management, namely, information on weather and natural hazards; Insurance risk assessment relating to the effects of weather and natural hazards; Providing information in the field of insurance, namely, risk analysis information on weather and other perils; Providing on-line computer databases featuring risk analysis information about perils in the nature of financial loss events; Providing information over a global computer network in the field of financial risk analysis information about weather and other perils; Providing insurance underwriting and insurance rating data, namely, insurance and financial risk rating data for insurance use via an online database; Compilation and analysis of data for financial purposes to assist in financial risk assessment, and financial and investment analysis; Providing insurance and financial risk information, namely, information related to weather events and other catastrophes in the nature of information about the effects and potential effects of such events on premiums, and estimates of insured loss and actual insured loss resulting from catastrophic events, to assist in insurance claims management and analysis, financial risk management and analysis, financial risk assessment, and financial and investment analysis, and for assessing insurance and financial risk; Providing insurance to value portfolio analysis; Providing estimates of the costs of building repair, namely, repair cost evaluation; Compilation and analysis of financial data in the fields of energy and natural resources, agriculture, mining, transportation, supply chain logistics, engineering, weather, environment and climate, insurance, finance, construction, real estate, law enforcement, emergency services, real estate, and geopolitics, all for financial analysis; Compilation and analysis of ratings information, namely, insurance risk assessment in the field of wildfires, used to evaluate risk; Providing risk analysis ratings information, namely, insurance risk assessment, to the insurance industry relating to wildfires used to evaluate risk; Consulting and services related thereto in the nature of consultation in the fields of insurance; Providing online websites and information in the field of insurance, namely, insurance and financial risk management and analysis, insurance and financial risk analytics, insurance and financial risk calculation, insurance and financial risk mitigation, insurance and financial risk forecasting, insurance and financial risk assessment and insurance and financial and investment analysis; Providing online information in the field of property and casualty insurance loss, namely, claims auditing information; Providing on-line information in the field of real estate appraisal and valuation for real estate property assessment and creation of real property valuation reports for others; Providing on-line information in the field of claims administration for managing workers compensation claims; Providing on-line information, namely, providing online financial calculators for use in executing residential insurance and valuation calculations; Providing on-line information in the field of personal and real estate appraisals and repair cost evaluation to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing on-line information in the fields of insurance, insurance claims processing and administration used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing on-line information in the field of repair cost evaluation for cost estimating in the building, construction, repair, restoration, maintenance and remodeling industries; Providing on-line information in the field of insurance claims assessment; Providing information about insurance and prospective insureds and reports relating to insurance, namely, information about insurance claims assessment, claims adjustment, actuarial information, insurance underwriting information, insurance claims history information, asset valuation and history, and insurance coverage verification; Providing estimates of the costs of building repair, restoration, and reconstruction, namely, providing replacement cost valuation; Providing information and online databases in the field of insurance, namely, insurance risk assessment and insurance claims appraisals for real property; Providing on-line information in the field of replacement cost valuation for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing information about insurance and potential insureds, namely, assessment of insurance claims; Providing information and analytics in the field of cyber insurance and cybersecurity risks; Consulting and advisory services in the field of cyber insurance and cybersecurity risks; Providing information and analytics about health data to assist in life insurance underwriting, life insurance and pension analytics, insurance claim insights, insurance compliance and fraud detection, and actuarial and portfolio modeling; Insurance consulting services in the field of workers' compensation, liability and no-fault insurance, Medicare set asides, Medicare insurance reporting, conditional payment management, Medicare and insurance compliance audits, and Medicaid compliance; Insurance rating services using credit data; Providing information in the nature of insurance statistics related to motor vehicles for determining insurance premiums and for other insurance rating purposes; Insurance underwriting and administration services, namely, analysis of statistics and data concerning risks to assist with premium underwriting and pricing; Providing insurance information and analytics relating to vehicles, performance of vehicles and vehicle operators, location of vehicles, and frequency of vehicle use; Providing information and analytics regarding insureds and potential insureds for purposes of insurance and risk assessment; Predictive modeling services in the field of insurance; Providing analytics in the field of insurance, namely, analysis of financial risk used to make decisions about insurance underwriting and insurance claims; Providing on-line databases in the field of insurance, for insurance risk assessment; Providing information and analysis on aerial, terrestrial, and satellite imagery, photographic data, and geospatial data, for insurance risk assessment; Providing insurance and financial assessments of loss and potential loss resulting from catastrophes, to assist in insurance claims management and analysis, insurance risk management and analysis, financial risk assessment, and financial and investment analysis; Providing information, namely, appraisal information for insurance claims and insurance underwriting, to assist in insurance underwriting and the analysis of insurance risk; Technical data analysis, namely, statistical data analysis of the financial impacts of weather and catastrophic events, all for use in the fields of insurance; Providing information and databases with information in the field of insurance for analysis of insurance risk, insurance underwriting, insurance coverage, property valuation, for estimation of replacement, restoration and repair costs of property and structures, for insurance quotes, for evaluation of insurance policy information, and for evaluation of insurance claims; Providing information and databases with information about real property, personal property, and owners and occupants of real property, in the field of insurance; Data verification and validation services provided to insurance companies, namely, providing data to verify the accuracy and status of information about real property, personal property, owners and occupants of real property, and insureds; Providing insurance and financial information to assist insurers with insurance and regulatory compliance requirements; Providing medical data via an online portal and API interface, to assist in insurance claims management and analysis, and for use by independent medical exam entities, group health insurers, and law firms; all specifically excluding investment advisory, investment consulting, asset allocation, wealth management, mutual fund management, or financial planning services, including annuities, stocks, bonds, and mutual funds; Providing insurance information; consulting, advisory, and analysis services in the fields of insurance, reinsurance, financial risk management, insurance and reinsurance portfolio risk, financial modeling and actuarial ratings, finance, and financial investment; providing information in the field of insurance risk management, namely, providing an on-line searchable database featuring location and site analytics for insurance risk management.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing online, non-downloadable software for use in profiling healthcare provider billing activity in order to identify and prevent fraud, waste, and abuse; Providing on-line non-downloadable software programs for use in analyzing property and casualty insurance loss information; Providing on-line non-downloadable software programs for use as an automated valuation model for real estate property assessment and creation of real property valuation reports for others; Providing on-line non-downloadable software for accessing, storing, retrieving and updating driver and motor vehicle records; Providing on-line non-downloadable software for managing workers compensation claims; Providing on-line non-downloadable software for use by the insurance industry to electronically pre-fill insurance applications with applicant information; Providing on-line non-downloadable software for use in executing residential insurance and valuation calculations; Providing on-line non-downloadable software featuring a spatial assessment tool that offers geographic maps displaying insurance risk assessment data and information, namely, risk addresses, risk assessment, exposure concentrations, and information regarding target areas for underwriting new business; Providing on-line non-downloadable software for conducting insurance premium audits, for outsourcing insurance premium audits and for linking users of insurance premium audit services to high-quality vendors; Providing on-line non-downloadable software for providing real-time claims management reports to insurance carriers and restoration contractors via a secure on-line website; Providing on-line non-downloadable software to receive, track, document and manage insurance claims, property valuations, repair estimates and property replacement costs; Providing on-line non-downloadable software used in insurance claims handling for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders; Providing on-line non-downloadable software for weather-related simulations, forecasts and modeling, to insurance companies and farmers, concerning the risk of weather-related losses; Providing on-line non-downloadable software for screening candidates for employment for criminal records and verification of education, credentials, and employment history; Providing on-line databases featuring weather-related catastrophic events; Application service provider featuring software for providing an on-line computer database that facilitates audits of insurance premiums; Providing climate forecast information; Providing an interactive website featuring technology that allows users to view, annotate and manipulate geospatial data related to properties, structures and characteristics of the earth and objects upon the earth; Providing information and analysis, namely, measurements of building structures, roofs, other features of building structures, property, terrain, and structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, using imagery and remote sensing technologies; Providing geographic information and measurement information through the collection, manipulation, processing, and/or formatting of images and geographic measurements of geographic locations, namely, photography taken from aerial vehicles, aerial surveying using remote sensing technologies; Providing computer representations of geographic locations, namely, computer mapping and modeling services created from aerial, terrestrial, satellite and geospatial imagery and other imagery and remote sensing technologies; Providing three-dimensional imagery using computer modeling, and computer modeling with measurements and images of building structures, roofs, other features of building structures, property, terrain and structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Obtaining information and imagery, and providing information, imagery, and analysis, namely, computer modeling and computer electronic imaging of building structures, roofs, other features of building structures, property, terrain, other objects and conditions, weather, natural hazards, climate, environment, and natural disasters, for use in building inspections, risk assessment, hazard assessment, reconstruction assessment, and to assist in insurance claims management and analysis; Providing on-line non-downloadable software for cost estimating and other assessments in the building, construction, repair, restoration, maintenance and remodeling industries; Providing on-line non-downloadable software a for detecting, identifying, analyzing roofs, building structures, property, terrain, and other objects and conditions; Providing on-line non-downloadable software for accessing, analyzing, managing and organizing data and generating reports for use with aerial, terrestrial, satellite and geospatial imagery and other imagery and remote sensing technologies, and with photographic data, geospatial data, locational data, and other information and data from remote sensing technologies; Providing on-line non-downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, terrain and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Providing on-line non-downloadable software for integrating electronic data and other information with real world environments; Providing on-line non-downloadable software for use in detection, inspection, evaluation and assessment of buildings and other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement; Providing on-line non-downloadable software for risk assessment, analysis and management and hazard assessment, analysis and management; Providing on-line non-downloadable software to assist in insurance claims assessment, analysis and management; Providing on-line non-downloadable software for capturing, storing, management, processing and transmitting photos, videos and other sensory and detection information; Providing on-line non-downloadable software used for capturing, storing and accessing images and geographic, locational and other data regarding the captured, stored and accessed images; Providing an interactive website featuring information and analysis, namely, engineering information in the field of building structures, roofs, other features of building structures, property, terrain, other objects in the nature of structural material and contents of buildings and land and conditions in the nature of damage and need for repair or replacement, weather, environment, climate, and natural disasters; Providing an interactive website featuring information and analysis, namely, provision of information in the fields of weather, environmental analysis, and climate science; Providing an interactive website featuring information, and analysis, namely, provision of information in the field of forensic analysis; Providing information, and analysis in the fields of weather, environmental analysis, climate science, and forensic analysis; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to property damages, loss information, climate, environment, weather events, catastrophes, and other events and conditions; Providing information and analysis, namely, scientific information in the fields of landscape conditions, climate science, and environmental analysis, and changes and risks associated therewith using aerial, terrestrial, satellite and other imagery and remote sensing technologies; Providing on-line non-downloadable software for controlling imaging and other sensory and detection apparatus and technologies; Providing an interactive website featuring technology that allows users to access, review, comment on, receive training on, and provide feedback on, software and services in the field of insurance and conduct interactive discussions in the field of insurance; Providing on-line non-downloadable software for use in valuations of real estate, buildings, fixtures, personal property and other objects; Providing on-line non-downloadable software for documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Providing on-line non-downloadable software for communicating with insurance policyholders and insurance industry professionals, for providing and tracking customer surveys and for estimating the costs of insurance, construction, engineering, remodeling or replacement of residential, commercial, industrial and agricultural buildings and the fixtures and contents thereof; Providing on-line non-downloadable software, namely, graphic based construction estimation software to estimate the cost of building or repairing structures and other objects in the nature of structural material and contents of buildings and land; Providing on-line non-downloadable software, namely, non-downloadable cost estimation, project management and analytic reporting software; Providing on-line non-downloadable software for identifying, estimating and valuing insuring, remodeling, replacement and construction costs; Providing on-line non-downloadable software for analytics regarding weather, hazards and other events and conditions in the nature of climates, environment, and catastrophes; Providing a database featuring information and analysis about weather, environmental assessments, climate science and natural hazards in the nature of weather and geological event modeling and simulation; Providing on-line non-downloadable software for creating reports about weather, environment, climate, and natural hazards; Electronic storage services, namely, storing data for others; Providing on-line non-downloadable software for education and training in the fields of insurance cost valuation and residential construction and remodeling; Providing on-line non-downloadable software for identifying documenting, inventorying, and monitoring personal, commercial, and industrial property and any damage thereto and status, condition, value and location thereof; Providing on-line non-downloadable software for calculating the costs of repairs and for monitoring of claims under home warranties and building insurance policies; Providing on-line non-downloadable software for calculating the costs of, tracking the progress and payments of, and reporting personal property claims; Providing on-line databases and preparation of customized reports and analytical documents delivered electronically featuring scientific research and analysis, computer modeling, simulations, and forecasting, on weather, environment, climate and natural hazards, terrorist threats, and pandemics; Providing on-line, non-downloadable software for creating and viewing reports and maps about weather, environment, climate and natural hazards; Providing a website featuring temporary use of non-downloadable software for creating and viewing reports and maps; Obtaining and providing information and imagery, namely, scientific research information, computer modeling, simulations, and forecasting, on weather events, catastrophes, environment, and climate, terrorist threats and pandemics, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing on-line non-downloadable software for risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Providing on-line non-downloadable software for accessing information on risk in specific geographic regions, catastrophic events, weather events, world events, and other potential loss events; Providing on-line non-downloadable software for accessing information on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Providing on-line non-downloadable risk modeling software for analyzing business and financial risk, and software for climate, environment and disaster risk management; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events, other catastrophes, and world events; Hosting on-line databases featuring information and analytics on risk in particular geographic regions, weather and natural hazards, weather-related events, other catastrophic events, world events, other loss events; Hosting on-line databases featuring information and analytics on risk relating to human rights, political stability, security, corruption, safety, conflicts, terrorism, food security, water security, energy security, climate change and poverty; Hosting of a website featuring information and analytics in the fields of insurance, insurance services, insurance management and analysis, risk management and analysis, risk analytics, risk calculation, risk mitigation, risk forecasting, financial risk assessment, and financial and investment analysis; Consultancy services in the field of simulation software for the modeling of natural and man-made events, catastrophe modeling software, weather modeling software, environment modeling software, climate modeling software, consultancy services in the field of risk management software, loss modeling software, software to model rebuild and replacement costs for damaged structures; Providing on-line databases featuring weather information and weather reporting; Providing on-line non-downloadable software for use in analysis, predictive modeling, and creating reports, relating to catastrophic loss information, weather events and other catastrophes, terrorist threats, and pandemics; Reporting services, namely, weather reporting; Providing on-line non-downloadable software for analyzing risk relating to weather and other perils; Weather forecasting information services; Research in the field of weather, climate and the environment; Consulting and advisory services in the field of weather, climate, and environmental risk; Providing on-line non-downloadable searchable computer databases featuring geographic information derived from scientific research on wildfires, and featuring scientific research information about wildfire risk factors for risk analysis purposes; Providing a website featuring information in the nature of geographic information derived from scientific research on wildfires, and featuring scientific research information about wildfire risk factors, and technology that enables users to analyze the risk associated with wildfires for insurance purposes; Providing on-line non-downloadable software for analyzing risk analysis information relating to residential and commercial property; Providing an interactive website featuring technology that allows users to access and download information, analysis and reports on fire protection efforts to assist communities with evaluating fire risk; Data validation services provided to insurance companies, law enforcement agencies and equipment owners, namely, providing customized computer search and retrieval based on specific customer requests in the field of data to verify the accuracy and status of the Product Identification Number for equipment electronically or via the telephone; Developing databases and investigative resources, namely, development of investigative databases containing information about assets and theft of assets for use by law enforcement agencies to deter theft; Providing on-line, non-downloadable software for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing on-line, non-downloadable software for insurance claims management and case management and reviewing, analyzing, and tracking of insurance claims data; Providing on-line, non-downloadable software for incident investigating and reporting; Providing on-line, non-downloadable software for identifying and investigating theft and fraud; Providing on-line, non-downloadable software for insurance investigations; Providing on-line, non-downloadable software for providing estimates of loss to assist in settlement of insurance claims; Providing on-line, non-downloadable software for data collection, analytics, and providing alerts, on crimes, accidents, other safety events in the workplace and brand protection issues; Providing on-line, non-downloadable software to assist property owners and law enforcement to investigate and recover stolen or damaged property, to share and analyze information regarding crimes, and for reporting of criminal activity; Providing on-line, non-downloadable software for monitoring employee compliance; Providing on-line, non-downloadable software for screening employees and candidates for employment for criminal records and verification of education, credentials, and employment history; Providing on-line, non-downloadable software for use in risk mitigation arising from weather events and for using weather forecasting information to make decisions regarding merchandising; Providing on-line, non-downloadable software for analyzing data and creating reports relating to risk and loss prevention; Electronic storage services, namely, storing data for use in insurance, risk management, risk assessment, and risk analysis, all relating to loss prevention; Providing on-line non-downloadable software to access information about insurance and prospective insureds and to order reports relating to insurance; Providing on-line non-downloadable computer software for screening employees and candidates for employment concerning criminal records, driving records, for verification of social security numbers, education and employment history, and for managing, monitoring and analyzing information about drivers; Providing on-line, non-downloadable software for identifying damage to vehicles; Compilation and analysis of scientific research data in the fields of energy and natural resources, agriculture, mining, transportation, engineering, weather, environment and climate; Providing temporary use of on-line, non-downloadable software for automated claims administration management, tracking, and monitoring of all stages of insurance claims handling; Providing information and analysis, namely, information in the field of land evaluation surveying of terrain; Providing an interactive website featuring technology through which data about vehicles that have been in accidents can be uploaded, information about vehicle insurers can be located, and insurers can be alerted about vehicles in accidents; Providing on-line computer databases featuring risk analysis information in the nature of computer modeling, simulation and forecasting about weather; Providing information and analysis, namely, land and geological surveying information and analysis, and providing home inspection information and analysis for repair, restoration and renovation, all relating to building structures, roofs, other features of building structures, structural material and contents of buildings, and land and conditions in the nature of damage and need for repair or replacement, for use in building inspections, risk assessment, hazard assessment, reconstruction assessment, and to assist in insurance claims management and analysis; Providing an interactive website featuring information, imagery, and analysis in the field of cartography, and geographical information systems; Providing information, imagery, and analysis in the field of cartography, and geographical information systems; Obtaining and providing information on agriculture, namely, agricultural research, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Hosting an interactive website featuring technologies that allows users to send and receive notifications about information regarding theft of assets via electronic message alerts; Providing an interactive website featuring information and analysis in the field of natural resources, namely, environmental risk assessments; Providing information on and analysis of fire protection efforts, namely, provision of mapping as it pertains to fire prevention, to assist in underwriting of insurance and financial services products; Providing ratings information, namely, calculation and simulation of wildfire risk factors; Providing information on agriculture, namely, predictive modeling information on weather to estimate agricultural crop losses, to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis relating to agriculture, namely, predictive modeling information on weather to estimate agricultural crop losses; On-line non-downloadable software for claims estimation, claims analysis, underwriting analysis, insurance rating, data analysis, loss analysis, data acquisition, storage and retrieval, mapping, reconstruction cost analysis, replacement cost generation and analysis, exposure analysis, data processing, fraud detection, network analysis, imagery analysis, text recognition, object identification, risk identification, lead verification and risk analysis in the field of insurance; Consulting services in the field of design, selection, implementation and use of computer hardware and software systems for others; Computer services associated with unique identifiers of lead events, namely, providing customized on-line non-downloadable software for the analysis, tracking, monitoring, authentication, certification, verification, and validation of lead events; Computer services, namely, on-line non-downloadable software for identifying, tracking, capturing, and analyzing consumer events before, during, and after the creation of a lead; Computer services, namely, on-line non-downloadable software for identifying, tracking, capturing, and analyzing consumer events before a consumer purchases one or more goods or services; Providing on-line non-downloadable risk modeling software for analyzing cyber risks; Providing risk modeling information relating to computers and computer networks in the field of cybersecurity and cyber risks; Providing on-line non-downloadable software for use in insurance policy management and valuations of real estate, buildings, fixtures, automobiles, and personal property; Providing on-line non-downloadable software for building construction and building construction cost estimating; Providing on-line non-downloadable software for tracking, documenting, monitoring, analyzing, managing, and reporting of insurance policies, inspections and valuations of real estate, buildings, fixtures, automobiles and personal property; Providing on-line non-downloadable software for uploading photos and videos, for streaming and recording videos, and for communicating with and sharing information with insurance policyholders and insurance industry professionals; Computer services, namely, providing a search engine on the Internet for others to search public real estate property history, including construction permit data, construction inspection data, building contractor data; Insurance software installation; Software as a service (SAAS ) services, featuring software for insurance claim management, insurance broking and insurance underwriting; Platform as a Service (PAAS) services, namely, providing software platforms for insurance claim management, insurance broking and insurance underwriting; Information, advice or consultancy services relating to the aforesaid; Providing on-line non-downloadable software for managing, monitoring and analyzing information about drivers and driving activities; Providing on-line non-downloadable software for assisting with predictive modeling and analysis of insurance data, insurance underwriting and assessment of insurance risk; Providing on-line non-downloadable software to access information about insurance and prospective insureds; Providing on-line non-downloadable software for pre-populating insurance documents with data about real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for creating insurance forms and documents relating to real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for accessing information for the analysis of insurance risk, insurance underwriting, and insurance coverage; Providing on-line non-downloadable software for accessing information on and analysis of real property and personal property valuation, and estimation of replacement, restoration and repair costs of property and structures; Providing on-line non-downloadable software for accessing information about real property, personal property, and owners and occupants of real property; Providing on-line non-downloadable software for accessing information for insurance quotes, for evaluating insurance policy information, and for evaluating insurance claims; Providing on-line non-downloadable software for risk management, risk assessment, and risk analysis; Providing a website featuring technology that enables users to prepare insurance applications and forms; Providing on-line non-downloadable software that prepares insurance applications and forms; Software as a service (SAAS) services featuring software for providing contract management and analytics, namely, providing an on-line contract document repository and management of visibility, performance, lifecycle and compliance with contractual obligations; On-line non-downloadable software for use in identifying, investigating and analyzing insurance fraud; Providing on-line non-downloadable software for managing insurance transactions; Providing on-line non-downloadable software for managing and validating insurance transactions using smart contracts; Software as a service (SAAS) services featuring software for creating smart contract templates in the field of insurance; Providing on-line non-downloadable software for managing and validating transactions using smart contracts; Providing subscription-based temporary use of on-line non-downloadable software for providing information relating to changes in insurance coverages and policies and for completing insurance applications with applicant information from existing databases for the insurance industry; Providing online, non-downloadable software to retrieve, review, analyze, upload and organize data from medical records, and to create reports from such data, for use in insurance claims management and analysis and for use by independent medical exam entities, group health insurers, and law firms; Providing an on-line database of downloadable and non-downloadable computer simulation software and non-downloadable models for use in the insurance, reinsurance, risk management and portfolio management fields, namely, computer software and models for risk analysis and loss estimate calculations relating to natural and man-made events, catastrophes, cyber events, weather and climate; Consultancy services in the field of models and simulation software relating to natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, and climate modeling; Consultancy services in the field of risk management software, portfolio loss modeling software and models, and software and models relating to rebuild and replacement costs for damaged structures; Software as a service, namely, providing software as a service for insurance policy and portfolio management; Computer services, namely, cloud hosting provider services; Providing online, non-downloadable software and modeling platforms for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management, and modeling rebuild and replacement costs for damaged structures; Providing online, non-downloadable software platforms for insurance claims management and insurance underwriting, all relating to claims arising from natural and man-made events, catastrophes, cyber events, weather and climate, for viewing information about real-time catastrophic events and risk related thereto, and for providing real time loss estimates before and after catastrophic events; Providing online, non-downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto; Providing online, non-downloadable software for viewing information about natural and man-made events, catastrophes, weather, cyber events, and climate, and risk related thereto; Providing online, non-downloadable application programming interface (API) software for managing workflow, transferring data and for creating efficiencies in managing data, all in the field of risk analysis and loss estimates relating to natural and man-made events, catastrophes, cyber events, weather and climate; Providing online, non-downloadable models for simulating natural and man-made disasters, catastrophes, cyber events, weather, and climate, and other loss events, and for use in risk assessment, emergency preparedness, and investment and financial analysis; Providing online, non-downloadable models designed to represent the impact of events such as earthquakes, hurricanes, floods, wildfires, cyber events, and terrorist attacks on physical, economic and other systems and portfolios; Providing online, non-downloadable software for analyzing and generating insurance, risk, and exposure data; Providing online, non-downloadable software for use in locating information pertaining to, and managing, a database, calculating the costs of risks or losses, and generating models and making catastrophe risk analysis, all in the fields of insurance, risk management and risk analysis.
44 - Medical, veterinary, hygienic and cosmetic services; agriculture, horticulture and forestry services
Goods & Services
Providing information on agriculture, namely, agronomic information about crop yield and pest control to assist in insurance claims management and analysis, risk management and analysis, financial risk assessment, financial and investment analysis, and real estate valuation, and real estate risk management and analysis; Providing an interactive website featuring information and analysis relating to agriculture, namely, agronomic information about crop yield and pest control; Providing medical data via an online portal and API interface for use in medical care by medical exam entities.
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable software for analyzing and processing insurance claims data, for managing insurance claims and quality assessment of insurance claim estimates, for estimation and valuation of construction, reconstruction, remodeling and replacement costs, and for managing insurance claim inspections; Downloadable software for categorizing, analyzing, inventorying and pricing items in insurance claims and for generating imago descriptions for insurance claims; Downloadable software for assigning insurance claims to adjusters; Downloadable software for validating insurance adjuster estimates and for analysis of insurance adjuster performance; Downloadable software for processing insurance claim inspections; Downloadable business intelligence software for analyzing insurance claims data; Downloadable software for triage of insurance claims; Downloadable software for preparing insurance claim summaries and notes; Downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, and terrain. Business consultancy services; Providing business information Providing insurance information; Consulting, advisory, and analysis services in the fields of insurance; Providing information in the field of insurance risk management; Providing information on pricing items in insurance claims Providing on-line non-downloadable software for analyzing and processing insurance claims data, for managing insurance claims and quality assessment of insurance claim estimates, for estimation and valuation of construction, reconstruction, remodeling and replacement costs, and for managing insurance claim inspections; Providing on-line non-downloadable software for categorizing, inventorying and pricing items in insurance claims and for generating image descriptions for insurance claims; Providing on-line non-downloadable software for assigning insurance claims to adjusters; Providing on-line non-downloadable software for validating insurance adjuster estimates and for analysis of insurance adjuster performance; Providing on-line non-downloadable software for processing insurance claim inspections; Providing on-line non-downloadable software for analyzing insurance claims data; Providing on-line non-downloadable software for triage of insurance claims; Providing on-line non-downloadable software for preparing insurance claim summaries and notes; Providing on-line non-downloadable software for creating drawings, floorplans, and schematics of building structures, roofs, other features of building structures, property, and terrain
Business consultancy services in the fields of natural and man-made risks, property and casualty risks, catastrophic risks, weather-related risks, cyber risks, climate risks, insurance, reinsurance, insurance portfolio management, insurance linked securities, and risk management; business consultancy services; providing business information
09 - Scientific and electric apparatus and instruments
Goods & Services
Downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto
36 - Financial, insurance and real estate services
Goods & Services
Providing insurance information; consulting, advisory, and analysis services in the fields of insurance, reinsurance, financial risk management, insurance and reinsurance portfolio risk, financial modeling and actuarial ratings, finance, and financial investment; providing information in the field of insurance risk management, namely, providing an on-line searchable database featuring location and site analytics for insurance risk management
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Electronic publishing of online non-downloadable data files, namely, reports in the field of business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto Providing an on-line database of downloadable and non-downloadable computer simulation software and non-downloadable models for risk analysis and loss estimate calculations relating to natural and man-made events, catastrophes, cyber events, weather and climate; consultancy services in the field of software modeling, software models and simulation software relating to natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, and climate modeling; consultancy services in the field of risk management software, portfolio loss modeling software and models, and software and models relating to rebuild and replacement costs for damaged structures; software as a service, namely, providing software as a service for insurance policy and portfolio management; computer services, namely, cloud hosting provider services; providing online, non-downloadable software for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management and modeling rebuild and replacement costs for damaged structures; computer modeling services in the nature of providing modeling platforms for the modeling of natural and man-made events, catastrophe modeling, cyber event modeling, weather modeling, climate modeling, risk management, loss modeling, portfolio management and modeling rebuild and replacement costs for damaged structures; providing online, non-downloadable software platforms for insurance claims management and insurance underwriting, all relating to claims arising from natural and man-made events, catastrophes, cyber events, weather and climate, for viewing information about real-time catastrophic events and risk related thereto, and for providing real time loss estimates before and after catastrophic events; providing online, non-downloadable data files and reports with information about business intelligence, risk exposure, natural and man-made events, catastrophes, weather, cyber events, climate, and risks related thereto; providing online, non-downloadable software for viewing information about natural and manmade events, catastrophes, weather, cyber events, and climate, and risk related thereto; providing online, non-downloadable application programming interface (API) software for managing workflow, transferring data and for creating efficiencies in managing data, all in the field of risk analysis and loss estimates relating to natural and man-made events, catastrophes, cyber events, weather and climate; providing online, non-downloadable modeling software and software models for simulating natural and man-made disasters, catastrophes, cyber events, weather, and climate, and other loss events, and for use in risk assessment, emergency preparedness, and investment and financial analysis; providing online, non-downloadable modeling software and software models designed to represent the impact of events such as earthquakes, hurricanes, floods, wildfires, cyber events, and terrorist attacks on physical, economic and other systems and portfolios; providing online, non-downloadable software for analyzing and generating insurance, risk, and exposure data; providing online, non-downloadable software for locating information pertaining to, and managing, a database, calculating the costs of risks or losses, and generating models and making catastrophe risk analysis, all in the fields of insurance, risk management and risk analysis
92.
Computer Vision Systems and Methods for Information Extraction from Inspection Tag Images
Computer vision systems and methods for information extraction from inspection tag images are provided. The system receives an image of an inspection tag, detects one or more tags in the image, crops and aligns the image to focus on the detected one or more tags, and processes the cropped and aligned image to automatically extract information from the depicted inspection tag. Each tag identified by the system can be bounded by a tag-box that bounds the detected tag, and a tag quality score can be calculated for each tag-box. One or more visual features can be extracted after cropping of the image, and pixel-level prediction can be performed on the image to predict and/or correct an orientation of the image. Word-level and line-level optical character recognition (OCR) is then performed on the cropped and aligned image of the tag in order to extract a plurality of information from the tag.
G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
G06V 30/12 - Detection or correction of errors, e.g. by rescanning the pattern
G06V 30/146 - Aligning or centering of the image pick-up or image-field
Computer vision systems and methods for information extraction from inspection tag images are provided. The system receives an image of an inspection tag, detects one or more tags in the image, crops and aligns the image to focus on the detected one or more tags, and processes the cropped and aligned image to automatically extract information from the depicted inspection tag. Each tag identified by the system can be bounded by a tag-box that bounds the detected tag, and a tag quality score can be calculated for each tag-box. One or more visual features can be extracted after cropping of the image, and pixel-level prediction can be performed on the image to predict and/or correct an orientation of the image. Word-level and line-level optical character recognition (OCR) is then performed on the cropped and aligned image of the tag in order to extract a plurality of information from the tag.
Systems and methods for computerized loss scenario modeling and data analytics are provided herein. The systems and methods provide customized claim loss analytics to identify questionable insurance claims that require further investigation and include a database for storing claims data related to one or more loss events, a front-end processor configured to generate a user interface with elements configured to allow a user to select one or more business rules and one or more data points for a custom loss scenario rule, and a primary claims analytics processor in communication with the front-end processor that implements the custom loss scenario rule into a production data flow process, thereby impacting the results of data analytics performed by the primary processor.
09 - Scientific and electric apparatus and instruments
39 - Transport, packaging, storage and travel services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Downloadable electronic reports relating to water mitigation insurance claims and other insurance property claims and building construction, reconstruction, remodeling, and replacement cost estimating; Downloadable software application for estimating and valuing construction, reconstruction, remodeling, and replacement costs. Electronic storage of data for others relating to insurance property claims and building construction cost estimating. Providing on-line, non-downloadable electronic reports relating to water mitigation insurance claims and other insurance property claims and building construction, reconstruction, remodeling, and replacement cost estimating. Providing on-line non-downloadable software for use in connection with estimating and valuing construction, reconstruction, remodeling, and replacement costs.
09 - Scientific and electric apparatus and instruments
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable electronic reports relating to water mitigation insurance claims and other insurance property claims and building construction, reconstruction, remodeling, and replacement cost estimating; Downloadable software application for estimating and valuing construction, reconstruction, remodeling, and replacement costs. (1) Electronic storage of data for others relating to insurance property claims and building construction cost estimating.
(2) Providing on-line, non-downloadable electronic reports relating to water mitigation insurance claims and other insurance property claims and building construction, reconstruction, remodeling, and replacement cost estimating.
(3) Providing on-line non-downloadable software for use in connection with estimating and valuing construction, reconstruction, remodeling, and replacement costs.
97.
Systems and Methods for Lossless Compression of Tabular Numeric Data
Systems and methods for lossless compression of tabular numeric data are provided. The system can include one or more data compression servers executing data compression system code to compress the tabular numeric data, a storage database to store the compressed tabular numeric data, and one or more data decompression servers to decompress the tabular numeric data for use. The one or more data compression servers, the storage database, and the one or more data decompression servers can communicate via a communication network. The system can receive the uncompressed tabular numeric data from one or more data generation systems, processes the uncompressed tabular numeric data with the data compression system code, and generate a compressed table of numeric information, which can be stored in the database, or later decompressed by the one or more data decompression servers.
09 - Scientific and electric apparatus and instruments
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Downloadable electronic reports relating to insurance property claims and building construction, reconstruction, remodeling, and replacement cost estimating; Downloadable software application for estimating and valuing construction, reconstruction, remodeling, and replacement costs; Downloadable software for construction project management, lead management relating to construction projects, and for communications about construction projects. (1) Electronic storage of data for others relating to insurance property claims and building construction cost estimating.
(2) Providing on-line, non-downloadable electronic reports relating to insurance property claims and building construction, reconstruction, remodeling, and replacement cost estimating.
(3) Providing on-line non-downloadable software for use in connection with estimating and valuing construction, reconstruction, remodeling, and replacement costs; Providing on-line non-downloadable software for construction project management, lead management relating to construction projects, and for communications about construction projects.
99.
SYSTEMS AND METHODS FOR DETECTING, LOCALIZING, AND VISUALIZING MANIPULATIONS OF PORTABLE DOCUMENT FORMAT FILES
Systems and methods for detecting and localizing manipulations of portable document format (PDF) files are provided. The system receives one or more PDF files and processes each PDF file using a plurality of check processes. Each check process includes a defined or learned weight that determines that process's level of influence on any document's overall suspicion score, as well as an opinion score for each PDF file based on unique logic and a plurality of factors related to the particular PDF file. The system can generate an overall suspicion score for the PDF file based on the results of the check processes, which can be calculated by aggregating the weight and an opinion score associated with each check process and file. The system can then determine whether the PDF file is a suspicious file using the overall suspicion score.
