SYSTEM AND METHOD FOR DETECTING POTENTIAL PROPERTY INSURANCE FRAUD
First Claim
1. A method for assessing a condition of an insured property for insurance purposes, the method comprising the steps of:
- receiving, by a computer server, a first spectral image of radiation emitted from ground objects or the atmospheric mixing layer at the insured property at a first timestamp;
receiving, by the computer server, a second spectral image of radiation emitted from ground objects or an atmospheric mixing layer at the insured property at a second timestamp later than the first timestamp;
generating, by the computer server, a first spectral signature from the first spectral image, the first spectral signature comprising a first concentration of a molecular constituent;
generating, by the computer server, a second spectral signature from the second spectral image, the second spectral signature comprising a second concentration of the molecular constituent;
comparing, by the computer server, the first spectral signature to the second spectral signature to determine a spectral difference, the spectral difference comprising a concentration difference of the molecular constituent corresponding to a change in the condition of the insured property;
determining, by the computer server, whether the spectral difference exceeds a first predetermined threshold value associated with the molecular constituent; and
transmitting a message indicating potential insurance fraud if the first spectral difference exceeds the first predetermined threshold value.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for assessing a condition of property for insurance purposes includes a sensor for acquiring a spectral image. In a preferred embodiment, the spectral image is post-processed to generate at least one spectral radiance plot, the plot used as input to a radiative transfer computer model. The output of the model establishes a spectral signature for the property. Over a period of time, spectral signatures can be compared to generate a spectral difference, the spectral difference can be used to determine whether a change in the condition of the property was potentially fraudulently caused.
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Citations
22 Claims
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1. A method for assessing a condition of an insured property for insurance purposes, the method comprising the steps of:
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receiving, by a computer server, a first spectral image of radiation emitted from ground objects or the atmospheric mixing layer at the insured property at a first timestamp; receiving, by the computer server, a second spectral image of radiation emitted from ground objects or an atmospheric mixing layer at the insured property at a second timestamp later than the first timestamp; generating, by the computer server, a first spectral signature from the first spectral image, the first spectral signature comprising a first concentration of a molecular constituent; generating, by the computer server, a second spectral signature from the second spectral image, the second spectral signature comprising a second concentration of the molecular constituent; comparing, by the computer server, the first spectral signature to the second spectral signature to determine a spectral difference, the spectral difference comprising a concentration difference of the molecular constituent corresponding to a change in the condition of the insured property; determining, by the computer server, whether the spectral difference exceeds a first predetermined threshold value associated with the molecular constituent; and transmitting a message indicating potential insurance fraud if the first spectral difference exceeds the first predetermined threshold value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for assessing a condition of a property for insurance purposes, the method comprising the steps of:
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receiving, by a computer server, a concentration of a molecular constituent in an atmospheric mixing layer at the insured property, which is determined based on a spectral image of radiation emitted from ground objects or the atmospheric mixing layer at the insured property; wherein the molecular constituent is a byproduct or residual product of anthropogenic fire accelerants or anthropogenic sources of ignition or explosion; determining, by the computer server, whether the concentration of the molecular constituent exceeds a first predetermined threshold value; and transmitting, by the computer server, a message indicating potential insurance fraud if the concentration of the molecular constituent exceeds the first predetermined threshold value. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A system for assessing a condition of an insured property comprising:
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a data storage device configured to store a first spectral image of radiation emitted from ground objects or an atmospheric mixing layer at the insured property, a second spectral image of radiation emitted from ground objects and the atmospheric mixing layer at the insured property, and one or more threshold values corresponding to one or more molecular constituents and one or more types of insured loss; and a server adapted to; determine a first spectral signature of a molecular constituent from the first spectral image, the first spectral signature comprising a first concentration of the molecular constituent; determine a second spectral signature of the molecular constituent from the second spectral image, the second spectral signature comprising a second concentration of the molecular constituent; determine a first spectral difference comprising a concentration difference of the molecular constituent by comparing the first and second spectral signatures of the molecular constituent; determine if the spectral difference exceeds a first predetermined threshold value for the molecular constituent; and transmit a message indicating potential insurance fraud if the first spectral difference exceeds the first predetermined threshold value. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22)
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Specification