公开(公告)号：US20080065427A1

公开(公告)日：2008-03-13

申请号：US11894049

申请日：2007-08-16

申请人： Jonathan Helitzer ,  Joseph Carvalko ,  Kelly Frey ,  G. Murchie ,  Susannah Chen ,  Steven Rippel ,  Casey Campbell

发明人： Jonathan Helitzer ,  Joseph Carvalko ,  Kelly Frey ,  G. Murchie ,  Susannah Chen ,  Steven Rippel ,  Casey Campbell

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/0635 ,  G06Q10/08 ,  G06Q50/22

摘要： The invention relates to systems and methods for analyzing data collected from sensors monitoring property. In particular, the systems and methods analyze the data to make property insurance underwriting decisions based on the collected sensor data using a computerized process that varies the way in which it manipulates the collected sensor data based on a characteristic of the property being insured, a characteristic of the entity seeking the insurance, and/or on the value of one or more collected data parameters. The invention also relates to systems and methods of making property insurance pricing decisions based on a similarly dynamic computerized process.

摘要翻译： 本发明涉及用于分析从传感器监测属性收集的数据的系统和方法。 特别地，系统和方法分析数据以基于所收集的传感器数据进行财产保险承保决定，所述计算机化过程基于被保险属性的特性来改变其操纵收集的传感器数据的方式， 寻求保险的实体，和/或一个或多个收集的数据参数的价值。 本发明还涉及基于类似动态的计算机化过程制定财产保险定价决定的系统和方法。

公开(公告)号：US20050055249A1

公开(公告)日：2005-03-10

申请号：US10656479

申请日：2003-09-04

申请人： Jonathon Helitzer ,  G. Murchie ,  Kelly Frey ,  Casey Kempton ,  Joseph Carvalko

发明人： Jonathon Helitzer ,  G. Murchie ,  Kelly Frey ,  Casey Kempton ,  Joseph Carvalko

IPC分类号： G06F17/60

CPC分类号： G06Q40/08

摘要： A method and computerized system is disclosed for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of property losses. The invention utilizes a classifier for categorizing and weighing risk, composed of data representing in an identified building, a first unmitigated insurance risk and a second insurance risk, based upon the use of certain technology. A plurality of such weights are summed such that the weights generate a minimized risk for a building structure under consideration combinations of technologies, employed in existing building structures to a classification, which then permits an underwriter to establish a premium. In another aspect of the invention data structures representing the quantification of risk reduction attendant a given technology or product are chained into a plurality of decision trees that process a construction phase and a pruning phase.

摘要翻译： 披露了一种方法和计算机化系统，用于管理关于用于抵御财产损失的财务后果的技术的承保，引用和约束保险单。 本发明基于使用某种技术，利用分类器对风险进行分类和称重，由代表识别的建筑物的数据，第一未保险险和第二保险风险组成。 将多个这样的权重相加，使得权重对考虑到在现有建筑结构中被用于分类的技术组合考虑的建筑结构产生最小化的风险，然后允许承销商建立溢价。 在本发明的另一方面，表示给定技术或产品的风险降低量化的数据结构被链接到处理施工阶段和修剪阶段的多个决策树中。

公开(公告)号：US20120095788A1

公开(公告)日：2012-04-19

申请号：US13336105

申请日：2011-12-23

申请人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

发明人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

IPC分类号： G06Q40/08

CPC分类号： G06Q40/02 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： A method to fulfill ancillary needs acquired as a result of property and other similar losses includes the steps of receiving insurance claims data input by claimants, storing and analyzing the insurance claims data, aggregating ancillary services and transmitting them to the claimants, and enabling claimants to communicate directly with ancillary services providers. Ancillary needs may include emergency auto rental, emergency housing, or loss prevention services. In addition, a system to fulfill ancillary needs includes a web server generating a site that allows claimants to input insurance claims data, a data warehouse for storing the insurance claims data, the application server including a claim data analyzing component for identifying claimants and verifying insurance coverage and an ancillary services component for aggregating ancillary services and transmitting them to claimants, and wherein the servers enable claimants to communicate directly with ancillary services providers.

摘要翻译： 履行由于财产和其他类似损失而获得的辅助需求的方法包括：接收索赔人输入的保险索赔数据，存储和分析保险索赔数据，汇总辅助服务并将其转交给索赔人的步骤，以及使索赔人能够 与辅助服务提供商直接沟通。 辅助需求可能包括紧急汽车租赁，紧急住房或防损服务。 另外，满足辅助需求的系统包括产生允许索赔人输入保险理赔数据的站点的网络服务器，用于存储保险索赔数据的数据仓库，应用服务器包括用于识别索赔人和验证保险的索赔数据分析部件 覆盖范围和辅助服务组件，用于聚合辅助服务并将其传输给索赔人，并且其中服务器使索赔人可以直接与辅助服务提供商进行通信。

公开(公告)号：US08135599B2

公开(公告)日：2012-03-13

申请号：US12537519

申请日：2009-08-07

申请人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

发明人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

IPC分类号： G06F40/00

CPC分类号： G06Q40/02 ,  G06F19/00 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： A method of fulfilling needs acquired as a result of property and other similar losses, the method involving the steps of directing a person or entity with a need resulting from a loss to a site on a global computer network, interviewing the person or entity at the site to obtain information about the person or entity and the need they have, and analyzing and processing the information to provide the person or entity automatic access at the site to at least one service that will go toward fulfilling the need of the person or entity. In addition to the method, a system for fulfilling needs acquired as a result of property and other similar losses, the system including a site on a global computer network for fulfilling needs of persons or entities acquired from property and other similar losses, the site having an interviewing component for obtaining information about the person or entity and the need they have, and a data analyzing and processing component for analyzing the information provided by the person or entity and providing the person or entity automatic access at the site to at least one service that will go toward fulfilling the need of the person or entity.

摘要翻译： 一种满足由于财产和其他类似损失而获得的需求的方法，该方法涉及将在全球计算机网络上的某个站点造成损失的个人或实体指挥的步骤，与该人员或实体在 获取关于个人或实体的信息及其需要的信息，以及分析和处理信息以向该站点的个人或实体自动访问至少一个将满足该个人或实体的需要的服务。 除了该方法之外，由于财产和其他类似损失而获得的满足需求的系统，该系统包括在全球计算机网络上的一个站点，以满足从财产和其他类似损失中获取的个人或实体的需求，该站点具有 用于获取关于个人或实体的信息及其需要的访问组件，以及数据分析和处理组件，用于分析由个人或实体提供的信息，并将该人员或实体在现场自动访问提供给至少一个服务 这将会满足人或实体的需要。

公开(公告)号：US20050055248A1

公开(公告)日：2005-03-10

申请号：US10655804

申请日：2003-09-04

申请人： Jonathon Helitzer ,  G. Stewart Murchie ,  Kelly Frey ,  Casey Kempton ,  Joseph Carvalko

发明人： Jonathon Helitzer ,  G. Stewart Murchie ,  Kelly Frey ,  Casey Kempton ,  Joseph Carvalko

IPC分类号： G06Q40/00 ,  G06F17/60

CPC分类号： G06Q40/08

摘要： The invention herein generally pertains to underwriting an insurance policy utilizing sensors to detect, determine, measure and assess one or more conditions, states of affairs, physical properties and process as each relates an insurable property interest. More specifically is disclosed a method and computerized system for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of certain property losses. The significance of operable safety related devices or system loads are important diagnostic safety markers for measuring one or more properties affecting the safety or risk aversion and for underwriting an insurable interest. This invention also relates to a system and a method for acquiring and assessing the qualities, variables and parameters that affect the underwriting premium for a building structure (commercial or residential), vehicle, aircraft, marine craft or cargo.

摘要翻译： 本发明一般涉及使用传感器来承保保险单以检测，确定，测量和评估一个或多个条件，事态，物理属性和过程，因为每一个都涉及可保险的财产利益。 更具体地，披露了一种方法和计算机化系统，用于管理关于用于抵制某些财产损失的财务后果的技术的承保，引用和约束保险单。 可操作的安全相关设备或系统负载的重要性是测量影响安全或风险规避和承保可投资权益的一个或多个属性的重要诊断安全标记。 本发明还涉及一种用于获取和评估影响建筑结构（商业或住宅），车辆，飞机，船舶或货物的承保费的质量，变量和参数的系统和方法。

公开(公告)号：US08810436B2

公开(公告)日：2014-08-19

申请号：US13412826

申请日：2012-03-06

申请人： Anthony Zagami ,  Joseph Carvalko

发明人： Anthony Zagami ,  Joseph Carvalko

IPC分类号： G08B23/00 ,  G01S17/02 ,  G08B13/183 ,  H04N7/18 ,  G08B13/196

CPC分类号： G08B13/183 ,  B63C9/0005 ,  G01S17/023 ,  G01S17/026 ,  G08B13/19647 ,  G08B13/19697 ,  G08B21/086 ,  H04N7/18

摘要： A process and system for detecting the presence of a person overboard including: setting the perimeter of an area to scan, scanning the area 180 degrees in azimuth utilizing a laser beam for receiving a reflection of the laser beam off the person, detecting the reflection and playing back a video recording of the trajectory of the person, wherein the area above and below the perimeter of an area to scan is continuously video recorded and wherein upon detecting the target, one or more of audio and visual alarms alert that crew, and wherein an alarm with location is sent to PDA system with GPS coordinates time and date. Additionally a launcher deploys a device to track the person overboard, and allows persons on the ship or in a control center to ascertain the location of the person overboard.

摘要翻译： 一种用于检测舷外人员的存在的过程和系统，包括：设置要扫描的区域的周长，使用用于接收激光束离开人的反射的激光束将方位扫描180度，检测反射和 播放人的轨迹的视频记录，其中要扫描的区域的周边上方和下方的区域被连续地视频记录，并且其中在检测到目标时，一个或多个音频和视觉警报提醒该机组，并且其中 带GPS位置的闹钟发送到具有GPS坐标时间和日期的PDA系统。 此外，发射器部署一个装置来追踪舷外的人员，并允许船上或控制中心的人员确定舷外人员的位置。

公开(公告)号：US07624031B2

公开(公告)日：2009-11-24

申请号：US09865827

申请日：2001-05-25

申请人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

发明人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

IPC分类号： G06Q10/00

CPC分类号： G06Q40/02 ,  G06F19/00 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： A method of fulfilling needs acquired as a result of property and other similar losses, the method involving the steps of directing a person or entity with a need resulting from a loss to a site on a global computer network, interviewing the person or entity at the site to obtain information about the person or entity and the need they have, and analyzing and processing the information to provide the person or entity automatic access at the site to at least one service that will go toward fulfilling the need of the person or entity. In addition to the method, a system for fulfilling needs acquired as a result of property and other similar losses, the system including a site on a global computer network for fulfilling needs of persons or entities acquired from property and other similar losses, the site having an interviewing component for obtaining information about the person or entity and the need they have, and a data analyzing and processing component for analyzing the information provided by the person or entity and providing the person or entity automatic access at the site to at least one service that will go toward fulfilling the need of the person or entity.

公开(公告)号：US20120229282A1

公开(公告)日：2012-09-13

申请号：US13412826

申请日：2012-03-06

申请人： ANTHONY ZAGAMI ,  JOSEPH CARVALKO

发明人： ANTHONY ZAGAMI ,  JOSEPH CARVALKO

IPC分类号： G08B23/00 ,  G08B1/00 ,  G01D21/00 ,  H04N7/18

CPC分类号： G08B13/183 ,  B63C9/0005 ,  G01S17/023 ,  G01S17/026 ,  G08B13/19647 ,  G08B13/19697 ,  G08B21/086 ,  H04N7/18

摘要： A process and system for detecting the presence of a person overboard including: setting the perimeter of an area to scan, scanning said area 180 degrees in azimuth utilizing a laser beam for receiving a reflection of said laser beam off said person, detecting said reflection and playing back a video recording of said trajectory of the person, wherein the area above and below the perimeter of an area to scan is continuously video recorded and wherein upon detecting the target, one or more of audio and visual alarms alert that crew, and wherein an alarm with location is sent to PDA system with GPS coordinates time and date. Additionally a launched deploys a device to track the person overboard, and allows persons on the ship or in a control center to ascertain the location of the person overboard.

摘要翻译： 一种用于检测舷外人员的存在的过程和系统，包括：设置要扫描的区域的周长，使用用于接收所述人的所述激光束的反射的激光束在方位角上扫描所述区域180度，检测所述反射和 播放所述人的所述轨迹的视频记录，其中要扫描的区域的周边上方和下方的区域被连续地视频记录，并且其中在检测到所述目标时，音频和视觉警报中的一个或多个提醒所述船员，并且其中 带GPS位置的闹钟发送到具有GPS坐标时间和日期的PDA系统。 此外，一个推出的部署部署了一个设备来跟踪舷外人员，并允许船上或控制中心的人员确定舷外人员的位置。

公开(公告)号：US20100036685A1

公开(公告)日：2010-02-11

申请号：US12537519

申请日：2009-08-07

申请人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

发明人： Douglas Simpson ,  Alan Aleia ,  Donald Pierce ,  Donald Cadden ,  Joseph Carvalko

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06F19/00 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： A method of fulfilling needs acquired as a result of property and other similar losses, the method involving the steps of directing a person or entity with a need resulting from a loss to a site on a global computer network, interviewing the person or entity at the site to obtain information about the person or entity and the need they have, and analyzing and processing the information to provide the person or entity automatic access at the site to at least one service that will go toward fulfilling the need of the person or entity. In addition to the method, a system for fulfilling needs acquired as a result of property and other similar losses, the system including a site on a global computer network for fulfilling needs of persons or entities acquired from property and other similar losses, the site having an interviewing component for obtaining information about the person or entity and the need they have, and a data analyzing and processing component for analyzing the information provided by the person or entity and providing the person or entity automatic access at the site to at least one service that will go toward fulfilling the need of the person or entity.

摘要翻译： 一种满足由于财产和其他类似损失而获得的需求的方法，该方法涉及将在全球计算机网络上的某个站点造成损失的个人或实体指挥的步骤，与该人员或实体在 获取关于个人或实体的信息及其需要的信息，以及分析和处理信息以向该站点的个人或实体自动访问至少一个将满足该个人或实体的需要的服务。 除了该方法之外，由于财产和其他类似损失而获得的满足需求的系统，该系统包括在全球计算机网络上的一个站点，以满足从财产和其他类似损失中获取的个人或实体的需求，该站点具有 用于获取关于个人或实体的信息及其需要的访问组件，以及数据分析和处理组件，用于分析由个人或实体提供的信息，并将该人员或实体在现场自动访问提供给至少一个服务 这将会满足人或实体的需要。