Goods & Services

Downloadable and mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers, for on-line pre-qualifications, credit and loan risk management, automated underwriting, and real-time lock and pricing and fee information, and user guides provided therewith; downloadable and mobile application software for task management, advertising management, referral management, showing management, lead management, inventory management and appointment management and scheduling; downloadable and mobile application software for using and managing multiple listing service data in the field of real estate; downloadable and mobile application software for sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable software and mobile applications for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable and mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; all of the foregoing performed through the use of artificial intelligence or machine learning (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations). Real property information services, namely, providing a database on a global computer network with information on real property taxes (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real and commercial property taxation planning tax advice, information, and consultation services (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); property tax consulting services (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing a database featuring real property tax information (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate marketing services, namely, providing a database on a global computer network with aerial photographs of real property that provide a view of properties and their surroundings (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); business inquiry, investigation, evaluation, appraisal, information, and research services; delivering loan leads to lenders (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate research services in the field of demographics properties, residences, residents, homes and residents of the houses (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; providing on-line information in the field of real estate concerning prices and values of real estate (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate marketing services featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging, print, and direct mail; providing a website for connecting consumers and qualified service providers in the field of real property and real estate (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); data aggregation services in the real estate field for appraisal and valuation reports for real property impacted by natural disasters; financial data aggregation services for appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes. Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size and location data (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial services, namely, assessment and management of loan risk and fraud in the fields of mortgage lending and investing (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing online computer database for examination and valuation of real estate (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing online computer database for grading and assessing risk of loans (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); and providing automated fiscal valuations and assessments of mortgage lending and investing; real property information services, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing an on-line computer database in the field of real estate through search and data retrieval software for accessing and downloading real property information from multiple data sources (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, evaluation, and reporting services; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate services, namely, multiple listing services accessible over the internet; providing valuation reports of residential real estate properties, and allowing a user to order valuation reports and check order status, all through a global computer network (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); automated appraisal management system (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing on-line information in the field of real estate contract appraisal and real estate appraisal management services, namely, providing status and appraisal ordering (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); insurance services, namely, collecting, maintaining, and providing information about structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); data tracking services, namely, collecting, compiling and analysis of real property valuation data occurring before and after the occurrence of natural disasters (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, providing real time data to lenders and insurers on real property valuation before and after the occurrence of natural disasters; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, analysis and provision of information about value and conditions of real property impacted by natural disasters; real estate data services, namely, evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data;: interactive computer database, namely, for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing a website that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allow realtors to send curated digital home listings to home buyer consumers, and engage digitally with realtors throughout the home buying and selling transaction (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial real property information services, namely, providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; financial real property information services, namely, providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; real property research services, namely, researching, compilation, and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial data tracking services, namely, collecting, tracking, compiling and analysis of financial information about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial data tracking services, namely, tracking and monitoring real time financial information relating to natural disasters and catastrophic events; tax payment processing and analysis services. Streaming of data, information and reports on crime occurrence material on the Internet; streaming of data, information and reports on security assessment and recommendation on crime risk, physical locations, information systems, and working environments using predictive statistics on the Internet; streaming of data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties on the Internet. Providing temporary use of online, non-downloadable software for data analytics and providing an online data analytics platform; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services featuring data for use in property risk analytics (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services in the nature of data automation and data collection services using proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing use of on-line non-downloadable software for use in managing multiple listing service data in the field of real estate; providing use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing software as a service (SAAS) services and platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals, such as real estate appraisers, lenders, and mortgage brokers, for managing various aspects of the real estate workflow, including placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, said software platform containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre-approvals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of non-downloadable computer software for browsing and accessing digital content and computer software programs; providing a web-based software platform that scans and analyzes aerial images of real estate properties via artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing temporary use of non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); authentication of user identity for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; computer services in the nature of providing temporary use of online software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; all of the foregoing performed through the use of artificial intelligence or machine learning; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; financial analysis and consultation services, namely, quality control on loans, loan portfolios and lines of credit. Fraud detection services in the field of misrepresentation of property values in the real estate mortgage lending industry; providing a database of information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations).

Abstract

A system may receive a request to determine an information item associated with a plurality of media received from a requesting system. The plurality of media may be unordered positionless media. The system may generate a multi-media embedding comprising information from each media item of the plurality of media. The system may determine the information item based on the multi-media embedding using a machine learning model configured to process information from unordered positionless media. The machine learning model may be acausal and may be prevented from applying an ordering or position to a portion of the multi-media embedding.

IPC Classes  ?

• G06N 3/0455 - Auto-encoder networksEncoder-decoder networks
• G06N 3/09 - Supervised learning

Abstract

Systems and methods for a feedback analysis system to identify a sentiment associated with user feedback (e.g., notes) and generates a task based on the identified sentiment. Specifically, the feedback analysis system as described herein may receive user feedback corresponding to a contract job and provide the user feedback as input into a large language model to identify a sentiment associated with the user feedback. In response to the user feedback as input, the feedback analysis system may synthesize, based on the identified sentiment of the user feedback, a summarized sentiment, wherein the summarized sentiment indicates a level of satisfaction associated with a performance of the contract job. In some embodiments, the feedback analysis system generates a task based on the user feedback and the summarized sentiment, wherein the task is one of a notification, an alert, an update, or an automated process related to the contract job.

IPC Classes  ?

• G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
• G06F 40/30 - Semantic analysis
• G06Q 50/08 - Construction
• G06Q 50/10 - Services

Abstract

Systems and methods for a feedback analysis system to identify a sentiment associated with user feedback (e.g., notes) and generates a task based on the identified sentiment. Specifically, the feedback analysis system as described herein may receive user feedback corresponding to a contract job and provide the user feedback as input into a large language model to identify a sentiment associated with the user feedback. In response to the user feedback as input, the feedback analysis system may synthesize, based on the identified sentiment of the user feedback, a summarized sentiment, wherein the summarized sentiment indicates a level of satisfaction associated with a performance of the contract job. In some embodiments, the feedback analysis system generates a task based on the user feedback and the summarized sentiment, wherein the task is one of a notification, an alert, an update, or an automated process related to the contract job.

IPC Classes  ?

• G06F 16/34 - BrowsingVisualisation therefor
• G06F 40/20 - Natural language analysis
• G06Q 30/0282 - Rating or review of business operators or products

Abstract

Systems and methods for retrieving property using machine learning based image matching. In some embodiments, images from a user request can be provided to a matching model configured to retrieve similar images and corresponding property listings. In some embodiments, this allows a user to find additional similar listings based on photo gallery images of existing property listings. In some embodiments, this allows a user to upload a new image to search for existing properties. By accessing a machine learning model, such as a matching model, the property listing system can retrieve a number of matching images associated with property listings to be scored, ranked, and presented to a user.

IPC Classes  ?

• G06F 3/0484 - 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
• G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
• G06F 16/532 - Query formulation, e.g. graphical querying
• G06F 16/538 - Presentation of query results
• G06Q 50/16 - Real estate

Abstract

Systems and methods for retrieving property using machine learning based image matching. In some embodiments, images from a user request can be provided to a matching model configured to retrieve similar images and corresponding property listings. In some embodiments, this allows a user to find additional similar listings based on photo gallery images of existing property listings. In some embodiments, this allows a user to upload a new image to search for existing properties. By accessing a machine learning model, such as a matching model, the property listing system can retrieve a number of matching images associated with property listings to be scored, ranked, and presented to a user.

IPC Classes  ?

• 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

Abstract

A system may receive image information associated with a property. The system may apply the image information as input to a machine learning model configured to semantically segment the image information according to identified features. The system may identify an occupied portion of the structure based on at least the semantic segmentation image information. The system may determine elevation information for the occupied portion of the structure based on the image information. The system may store or otherwise use the determined elevation information.

IPC Classes  ?

• G06V 20/17 - Terrestrial scenes taken from planes or by drones
• G06T 7/13 - Edge detection
• G06T 7/521 - Depth or shape recovery from laser ranging, e.g. using interferometryDepth or shape recovery from the projection of structured light
• G06T 7/55 - Depth or shape recovery from multiple images
• G06T 15/20 - Perspective computation
• 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 10/75 - 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
• 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 20/70 - Labelling scene content, e.g. deriving syntactic or semantic representations

Abstract

A system may receive depth information associated with a property captured by a first sensor type. The system may receive image information associated with the property captured by a second sensor type. The system may apply the image information as input to a machine learning model configured to semantically segment the image information according to identified features. The system may identify an occupied portion of the structure based on at least the semantic segmentation image information. The system may determine elevation information for the occupied portion of the structure based on the depth information and the image information. The system may store or otherwise use the determined elevation information.

IPC Classes  ?

• 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 20/17 - Terrestrial scenes taken from planes or by drones
• G06V 20/10 - Terrestrial scenes

Abstract

An improved living area estimation system is described herein that can obtain aerial images of structures and property data corresponding to structures. The improved living area estimation system can then perform image processing on the aerial images to estimate a living area of each structure. The improved living area estimation system can group property records for the various structures based on one or more criterion and, for each group of property records, determine the average difference between living area calculated using aerial images and living area included in the property data. For a particular structure, the improved living area estimation system can process the aerial image(s) to estimate living area and then modify this value by the average difference determined for the group to which the structure belongs to determine an estimated living area of the structure.

IPC Classes  ?

• G06V 10/762 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using clustering, e.g. of similar faces in social networks
• G06V 10/774 - Generating sets of training patternsBootstrap methods, e.g. bagging or boosting
• G06V 20/10 - Terrestrial scenes

Abstract

A method using a convolutional neural network to auto-determine a first floor height (FFH) and a FFH elevation (FFE) of a building. The FFH, and FFE of the building are determined with respect to the terrain or surface of the parcel of land on which the building is located. In turn, by knowing the FFH and/or FFE of the building on the parcel, it is possible to use that information while performing a flood risk assessment to a property without requiring a personal inspection of the parcel by a human.

IPC Classes  ?

• G06N 3/08 - Learning methods
• G01C 5/00 - Measuring heightMeasuring distances transverse to line of sightLevelling between separated pointsSurveyors' levels
• G01C 15/00 - Surveying instruments or accessories not provided for in groups
• G06N 3/04 - Architecture, e.g. interconnection topology
• 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
• G06V 20/10 - Terrestrial scenes
• G06V 20/20 - ScenesScene-specific elements in augmented reality scenes

Abstract

Systems and methods for providing real estate trends and other insights based on a natural language process of text data, including various news sources, to a specified market (e.g., national, local). In some embodiments, the real estate prediction system performs semantic-based analysis to determine a sentiment associated with a source. For example, the real estate prediction system can access an embedding system to generate embeddings for words and phrases contained within a source. These embeddings can be input to an LLM for determination of a general sentiment of the source, or used directly in an LLM. The real estate prediction system perform additional semantic analysis, such as word counting, to classify and organize the content of sources. Based on the generated sentiments, the real estate prediction system can generate predictions, estimations, and other insights relating to the sources.

IPC Classes  ?

• G06Q 30/0201 - Market modellingMarket analysisCollecting market data
• G06Q 30/0202 - Market predictions or forecasting for commercial activities
• G06F 40/30 - Semantic analysis
• G06Q 50/16 - Real estate

Abstract

Systems and methods for providing real estate trends and other insights based on a natural language process of text data, including various news sources, to a specified market (e.g., national, local). In some embodiments, the real estate prediction system performs semantic-based analysis to determine a sentiment associated with a source. For example, the real estate prediction system can access an embedding system to generate embeddings for words and phrases contained within a source. These embeddings can be input to an LLM for determination of a general sentiment of the source, or used directly in an LLM. The real estate prediction system perform additional semantic analysis, such as word counting, to classify and organize the content of sources. Based on the generated sentiments, the real estate prediction system can generate predictions, estimations, and other insights relating to the sources.

IPC Classes  ?

• G06Q 30/0201 - Market modellingMarket analysisCollecting market data
• G06F 40/20 - Natural language analysis

Goods & Services

Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with information relating to real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application with a feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties. Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession. Providing information relating to real property tax preparation and tax filing from a database on a global computer network; accounting services relating to real and commercial property tax planning; real and commercial property tax preparation and tax filing advice, information, and consultation services; property tax consulting services (term considered too vague by the International Bureau pursuant to Rule 13(2)(b) of the Regulations); providing real property tax preparation and filing information from a database on global computer network; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; marketing research and studies in the field of real estate relating to demographics, properties, residences, residents, homes and residents of the houses; marketing research in the field of real estate relating to demographics, properties, residences, residents, homes and residents of the houses; registration, collection, transcription, compilation and systemization of electronically tagged data bearing unique data identifiers for the identification and categorization of real estate and real property; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes from a database; providing on-line information on a global computer network concerning real estate and mortgage lender marketing services in the field of property lead and prospective customer identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing business information in the field of real estate customer identification and advertising and marketing engagement data via a database on a global computer network; providing statistical information for business purposes in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location from a database on a global computer network; business research in the field of real estate, namely, analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; providing business information in the field of real estate relating to real property reconstruction value and location data from a database on a global computer network; providing an online marketplace for connecting consumers and qualified service providers in the field of real property and real estate. Real estate information services relating to real property characteristics, namely, pricing, parcel size, property liens and location data provided from a database on a global computer network; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing from online computer databases; providing information relating to appraisal examination and valuation of real estate from an online computer database; providing consumer credit rating information for grading and assessing risk of loans from an online computer database and providing automated fiscal valuations and assessments of mortgage lending and investing; providing real estate information, namely, ownership and property information and data using comparables, maps, valuation and pricing data, mortgage information, loan recording information, lender market share information and digitized images of real property and maps from an on-line electronic database on global computer networks; financial analysis and consultation services for reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing real estate, mortgage and loan information for use in title insurance underwriting from a searchable database; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; providing insurance information relating to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; providing real estate information relating to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities from an interactive computer database; providing real estate data and information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters from an interactive computer database; providing real estate data and information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios from an interactive computer database; preparation of appraisal and valuation reports for real property impacted by natural disasters based on information from an interactive computer database; providing real estate information based on statistics compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property from an interactive computer database for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; financial analysis and providing real estate information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; providing real estate information from an interactive computer database for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; providing financial information relating to property from an interactive computer database for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; financial analysis and providing financial information relating to property from an interactive computer database to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; financial analysis and providing financial information relating to property about value, conditions, and damage to real property from an interactive database to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring commercial and non- commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events (term considered too vague by the International Bureau pursuant to Rule 13(2)(b) of the Regulations); providing financial information relating to mortgage and real property tax from databases; providing financial information relating to mortgage and real property tax from online computer databases; preparation of appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events based on real estate property data; tax payment processing and analysis services; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing real estate and real property information using probabilistic severity and frequency model and multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location from a database; providing real property information services in the field of real property crime risks from a database on a global computer network. Providing real property building and construction information relating to weather, natural disasters, and other catastrophic events to assist in the development of real property. Streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet. Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration. Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring computer software for data analytics and providing an online data analytics platform; platform as a service (PaaS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DaaS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services featuring on-line, non-downloadable software for data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of on-line non-downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SaaS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SaaS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing, placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SaaS) services and platform as a service (PaaS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SaaS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SaaS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SaaS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SaaS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SaaS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SaaS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non-downloadable mobile application software for use in providing real property sellers and buyers with information relating to real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non-downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software for providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non-downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software for providing consumers with information about real estate service providers and for use in connected service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather forecasting and reporting services based on tracking and monitoring weather information relating to natural disasters and catastrophic events; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation (term considered too vague by the International Bureau pursuant to Rule 13(2)(b) of the Regulations); all of the foregoing performed through the use of artificial intelligence or machine learning; providing temporary use of on-line non-downloadable software that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction via a website; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing information in the field of computer security services for protecting data and information from unauthorized access relating to property values in the real estate mortgage lending industry from an on-line database; providing temporary use of an on-line, non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SaaS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SaaS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SaaS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment via a website; providing temporary use of on-line, online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PaaS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SaaS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SaaS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on-line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SaaS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting based on tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on-line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on-line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non-downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pulled and the loan funding is issued; providing software as a service (SaaS) featuring software for use in data distribution and integration; providing platform as a service (PaaS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval software for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services in the field of real estate; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; electronic security monitoring services in the nature of monitoring computer systems for data security purposes in the field of public document filings relating to secured loans for real property; providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; computer security services for protecting data and information from unauthorized access and fraudulent activities; providing temporary use of on-line non-downloadable software for fraud detection and prevention. Providing legal information in the field of fraud detection relating to property values in the real estate mortgage lending industry from an on-line database; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, research, and screening services and information relating thereto, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle record investigation, reference verification, education verification and professional license and certification verification.

Goods & Services

Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties. Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession. Business information services, namely, providing information on real property taxes from a database on a global computer network real and commercial property taxation preparation, tax advice, information, and consultation services; property tax consulting services; providing information relating to real property tax preparation from a database on a global computer network; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the nature of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services, namely, promoting real estate by providing aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes from a database on a global computer network; providing on-line information concerning real estate and mortgage lender marketing services from on a global computer network, namely, providing information in the field of property lead and prospective customer identification based on geography, property values and open house data from a database on a global computer network; real estate and mortgage lender marketing services, namely, providing business information in the field of real estate customer identification and advertising and marketing engagement data from a database on a global computer network; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; providing an online marketplace for connecting consumers and qualified service providers in the field of real property and real estate; compilation of statistics on real property using machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes provided via interactive computer database; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; computerised data processing services, namely, real estate property data aggregation and summarization for use in appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events. Real property information services, namely, providing real property characteristics, namely, pricing, parcel size, property liens and location data from a database on a global computer network; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; tax payment processing and analysis services; providing consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing from an online computer databases; providing information relating to appraisal examination and valuation of real estate from an online computer database; providing consumer credit rating information for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing from an online computer database; providing real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps from an on-line electronic database on global computer networks; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing real estate, mortgage and loan information for use in title insurance underwriting from a searchable database; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; real estate insurance underwriting service, namely, providing real property information relating to the physical condition of structures, personal, and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; providing real property information pertaining to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities from an interactive computer database; providing real property information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters from an interactive computer database; providing real property information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios from an interactive computer database; issuance of appraisal and valuation reports for real property impacted by natural disasters from an interactive computer database; providing real property information for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry from an interactive computer database; providing real property information for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry from an interactive computer database; providing real property information for use in analyzing to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events from an interactive computer database; providing real property information for use in analyzing value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events from an interactive computer database; providing real property information compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events interactive computer database; provision of financial information featuring mortgage and real property tax via use of databases; provision of financial information featuring mortgage and real property tax via use of online computer databases; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, providing information on real property crime risks from a database on a global computer network; real property information services for business purposes, namely, providing real property characteristics, namely, reconstruction value and location data via an online non-downloadable database on a global computer network. Real property development information services, namely, providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations). Streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet. Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration. Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring computer software for data analytics and providing an online data analytics platform; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DAAS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DAAS) services featuring on-line, non-downloadable software for of data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non- downloadable software for use in valuation of real estate; providing temporary use of on-line non- downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SAAS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PAAS) services, namely, an online, non- downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates, all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non- downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non- downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non- downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on- line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non- downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; artificial intelligence as a service [AIaaS] featuring software using artificial intelligence for calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation, all of the foregoing performed through the use of artificial intelligence or machine learning; providing computer programs that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction via a website; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing an on-line database of information in the field of computer security services for protecting data and information from unauthorized access as it relates to property values in the real estate mortgage lending industry; providing temporary use of an on-line, non- downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SAAS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SAAS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment via a web site; providing temporary use of on-line, online non- downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PAAS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SAAS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SAAS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on- line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SAAS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting data tracking services, namely, tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on- line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on- line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non- downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pull and the loan funding is issued; providing software as a service (SAAS) featuring software for use in data distribution and integration; providing platform as a service (PAAS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval software for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services in the field of real estate; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property; providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; computer security services for protecting data and information from unauthorized access and fraudulent activities; providing temporary use of on-line non-downloadable software for fraud detection and prevention; providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property; environmental engineering services in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes provided via a database on a global computer network. Providing legal information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry from an on-line database; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, evaluation, information, research, and screening services, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle records reporting, reference verification, education verification and professional license and certification verification.

Abstract

An artificial intelligence-based structural remodel estimation system is described herein that processes audio taken of a walkthrough of the structure, processes floor plans, and uses large language models to generate a remodel plan that identifies features of a structure to replace, that is more objective than humans, and that is more accurate than remodel plans generated solely based on structural images. For example, the remodel plan may identify features of a structure to replace and/or materials that may be involved in completing a feature replacement. The artificial intelligence-based structural remodel estimation system can use an audio-based approach to generate the remodel plan.

IPC Classes  ?

• G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
• G10L 15/26 - Speech to text systems
• 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

Abstract

An artificial intelligence-based structural remodel estimation system is described herein that processes audio taken of a walkthrough of the structure, processes floor plans, and uses large language models to generate a remodel plan that identifies features of a structure to replace, that is more objective than humans, and that is more accurate than remodel plans generated solely based on structural images. For example, the remodel plan may identify features of a structure to replace and/or materials that may be involved in completing a feature replacement. The artificial intelligence-based structural remodel estimation system can use an audio-based approach to generate the remodel plan.

IPC Classes  ?

• G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
• G06F 30/12 - Geometric CAD characterised by design entry means specially adapted for CAD, e.g. graphical user interfaces [GUI] specially adapted for CAD
• 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
• G10L 15/183 - Speech classification or search using natural language modelling using context dependencies, e.g. language models
• G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
• G10L 25/57 - Speech or voice analysis techniques not restricted to a single one of groups specially adapted for particular use for comparison or discrimination for processing of video signals

Abstract

Systems and methods for providing estimations of energy consumptions for any given property. Specifically, an energy consumption estimation system may access property energy data (“property data”) relating to existing properties, along with the associated property information or variables (e.g., region, climate, property type, year built). To integrate available property information into the generation of estimation models, the energy consumption estimation system may organize the properties into groups based on a combination of variables. In some cases, the energy consumption estimation system may generate a plurality of groups such that each combination of variables of property information is covered. Accordingly, for each group of properties, the energy consumption estimation system may generate a linear regression model. Each linear regression model may describe a relationship between total energy consumption vs. area for all the properties grouped together by the variables.

IPC Classes  ?

• G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
• G06Q 50/16 - Real estate

Goods & Services

Providing information in the field of real estate concerning prices and values of real estate.

Goods & Services

downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in connection with managing mortgage loan applications, credit and loan risk assessments, pricing and fee information and providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in connection with managing multiple listing service data, tax data, parcel dimensions and data, and insights in the field of real estate; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals, for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance, for collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in connection with documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in the field of property construction and repair and for contractors to access, capture and process property and job scope information and details; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in connection with providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in connection with documenting and facilitating property inspections, property inspection data, automating repair estimates, generating inspection reports and storing data created in connection with the foregoing; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in capturing and processing property loss information and details; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for the collection, storage and analyzing of property information and customer data in the field of real estate; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in the storage, organization, creation and management of electronic forms, task management workflow automation, management of photo and video content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks to enable users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable software and mobile application software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in providing financial assessments, construction information, financial statistics and valuation of residential and commercial properties and real estate Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics in connection with mortgage loan applications, credit and loan risk assessments, pricing and fee information, and real property and real estate data, information, assessment and valuation; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing, analysis, validation and verification of credit and mortgage data, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details and the research and evaluation of property foreclosure data all for use by mortgage lenders and borrowers; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks in connection with the viewing of real property images and the visual assessment and evaluation of risk potential associated with the real property, for documenting and facilitating property inspections, automating application of guidelines to property inspection data and repair estimates, generating inspection reports and damage estimates and storing data for property construction and repair; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks for collecting, maintaining, and providing property valuation information, financial valuation information and risk assessment information about structures and personal and real property, including roofs; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks to enable real estate appraisers, lenders, and mortgage brokers to place and receive real estate transaction orders, order tracking, billing, managing communication and relationships, to initiate and complete real estate transactions and to calculate real estate closing-related taxes and recording fees; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform real-time tracking of residential home repair progress and to facilitate communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates in the field of residential property restoration and residential property repairs; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use as an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, and title services; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, and to enable an end user to research, search, and access weather hazard events affecting real property for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, storing data, documents and records for applying for, pre-approving, processing, and obtaining loans and to enable borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots assisting with documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to scan and analyzes aerial images of real estate properties and perform assessments of exterior and interior property risk attributes, hazards, and conditions; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots to perform complex tasks to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for tracking and monitoring weather information relating to natural disasters and catastrophic events, calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for enabling consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair, and for assessing, documenting, tracking, and auditing property restoration and repair projects and data; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for real property appraisal, assessment, inspection and lending; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use in catastrophe modeling and risk quantification and for collecting, organizing, storing, analyzing and sharing of weather data and information for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property and property owners; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, historical reporting of prior meteorological events and for developing response strategies to meteorological events and natural disasters impacting property owners; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for accessing, comparing and contrasting location data characteristics consisting of livability scores, job markets, crime rates, schools, proximity to first responders within a defined property range, neighborhood characteristics, lifestyle segments, economic status, employment and demographic data of residents; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use in performing spatial intelligence evaluation of real property locations, for searching county parcel maps and for use in the identification of current and historical lot subdivisions of real property; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use in accessing real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use in connection with an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; Artificial intelligence as a service (AIAAS) services featuring software using artificial intelligence for an AI agent-guided system and artificial intelligence chat bots for use in computer security services for protecting data and information from unauthorized access and fraudulent activities and for fraud detection and prevention

Goods & Services

(1) Mobile application software for documenting and facilitating property inspections and assessments, generating inspection reports, undertaking image analysis and analytics, issuing reports and the storing of data and images created in connection therewith

Goods & Services

(1) Providing information in the field of real estate concerning prices and values of real estate.

Abstract

Systems and methods for an agent assistant system to provide answers and insights to property-based questions in a natural language processing environment. Specifically, the agent assistant system as described herein may receive a question or task from a user and generate a query representing the request for information from the user and any other relevant information related to the request. Queries generated by the query generation system may represent an intent of the user-provided question and allow visibility into the request that a model is tasked with handling. In some embodiments, the agent assistant system may generate a natural language summary that represents the information parsed from the user and the task to be executed by the LLM. The summary may serve as a check or validation to confirm that the LLM will generate an accurate response based on the user input.

IPC Classes  ?

• G06F 16/242 - Query formulation
• G06F 16/3329 - Natural language query formulation
• G06F 16/9032 - Query formulation
• G06F 40/284 - Lexical analysis, e.g. tokenisation or collocates
• G06F 40/30 - Semantic analysis
• G06F 40/35 - Discourse or dialogue representation
• G06F 40/56 - Natural language generation

Abstract

Systems and methods for an agent assistant system to provide answers and insights to property-based questions in a natural language processing environment. Specifically, the agent assistant system as described herein may receive a question or task from a user and generate a query representing the request for information from the user and any other relevant information related to the request. Queries generated by the query generation system may represent an intent of the user-provided question and allow visibility into the request that a model is tasked with handling. In some embodiments, the agent assistant system may generate a natural language summary that represents the information parsed from the user and the task to be executed by the LLM. The summary may serve as a check or validation to confirm that the LLM will generate an accurate response based on the user input.

IPC Classes  ?

• G06F 16/2452 - Query translation
• G06F 16/22 - IndexingData structures thereforStorage structures

Abstract

A system may receive a request to generate a property listing for a property. The system may access additional information associated with the property. The system may generate a prompt for a machine learning model to cause the machine learning model to generate the property listing. The property listing may be a high quality listing that conforms to the requirements of a multiple listing service, does not contain incorrect or inconsistent information, and is written to improve the likelihood of attracting attention on the multiple listing service. The system may provide the generated property listing to a user for approval, and once approved make the property listing publicly available.

IPC Classes  ?

• G06Q 50/16 - Real estate
• G06T 11/20 - Drawing from basic elements, e.g. lines or circles
• G06T 17/00 - 3D modelling for computer graphics
• G06V 10/70 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning

Abstract

A system may receive a request to generate a property listing for a property. The system may access additional information associated with the property. The system may generate a prompt for a machine learning model to cause the machine learning model to generate the property listing. The property listing may be a high quality listing that conforms to the requirements of a multiple listing service, does not contain incorrect or inconsistent information, and is written to improve the likelihood of attracting attention on the multiple listing service. The system may provide the generated property listing to a user for approval, and once approved make the property listing publicly available.

IPC Classes  ?

• G06Q 10/10 - Office automationTime management
• G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
• 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
• G06N 20/00 - Machine learning
• G06Q 50/16 - Real estate
• G06Q 50/163 - Real estate management
• G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks

Abstract

An improved parcel growth prediction system that uses parcel data, population data, and artificial intelligence to predict the growth of a geographic area at a micro level (e.g., a real estate parcel level) is described herein. For example, the improved parcel growth prediction system may generate a graph model and apply the graph model as an input to an artificial intelligence model to predict the likelihood that a particular parcel may be developed some time in the future. Ultimately, implementing the improved parcel growth prediction system described herein may lead to more precise placements of infrastructure projects and/or to infrastructure projects that more precisely support the needs of the population of a geographic area as time passes.

IPC Classes  ?

• G06F 16/29 - Geographical information databases
• G06F 16/2457 - Query processing with adaptation to user needs

Goods & Services

Real property information services, namely, providing an online computer database featuring real property tax information on real property buyers, investors, and borrowers on a global computer network; Computerized database management for data regarding loans, loan portfolios, and borrower background and characteristics; Demographic consultation and studies of properties, residences, residents, homes and residents of the houses; Demographics consultation for properties, residences, residents, homes and residents of the houses; Electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property buyers and sellers, all in the nature of data processing services consisting of the registration, collection, transcription, compilation and systemization of data; Systemization of electronically tagged data bearing unique data identifiers into computer databases; Handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property buyers and sellers in the nature of data processing services; Real estate and mortgage lender marketing services, namely, providing an online computer database featuring business information in the field of real estate and loan customer identification and advertising and marketing engagement data on a global computer network Financial services, namely, financial risk assessment services and financial management of real estate loan and real estate loan borrower information and data; Providing online computer databases in the field of real estate loan borrower information; Providing an on-line searchable electronic database in the field of real property information on global computer networks, namely, information and data on buyer of property loan and purchasing history; Providing a searchable database featuring real estate, mortgage and loan information for use in evaluating borrower risk and prediction of future real estate purchases and investment; Providing an online interactive computer database in the field of real estate for providing real property data and information for use in collecting, maintaining, and providing information pertaining to financial status of buyer and borrower, purchasing preferences of real estate purchaser, and prediction of future real estate and loan purchases Software as a service (SAAS) services featuring software for use in providing real property loan pay-off analysis; Software as a service (SAAS) services featuring software for use in tracking and evaluating buyers of real property geographic migration patterns, investment behaviors, and customer home buying preferences; Software as a service (SAAS) services featuring software for use in monitoring tax exemption filings on real property and patterns of exemption filings on multiple properties by same individuals and businesses; Software as a service (SAAS) services featuring software for use in research and analysis of population movements and migration patterns of property buyers and investors; Providing temporary use of online non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; Platform as a service (PAAS) services featuring computer software for use in data analytics and providing an online data analytics platform; Platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; Platform as a service (PAAS) services featuring software platforms for use in data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; Data as a service (DAAS) services, namely, providing online non-downloadable software for use in the collection and analysis of information and data on the purchasing and borrowing habits of buyers and sellers of real estate and real property; Providing data as a service (DAAS) services in the nature of providing on-line, non-downloadable software for use in data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; Providing online non-downloadable software for use in evaluating purchase and sale history of buyers and sellers of property and loan transactions by lenders; Providing on-line non- downloadable software for use in providing real property loan pay-off analysis; Providing on-line non- downloadable software for use in evaluating and tracking loan customer borrowing and buying history across multiple real estate properties; Software as a service (SAAS) services featuring software for use in evaluating and tracking loan customer borrowing and buying history across multiple real estate properties; Providing on-line non- downloadable software for use in tracking and evaluating buyers of real property geographic migration patterns, investment behaviors, and home buying preferences; Providing on-line non- downloadable software for use in analyzing home buying lost leads by comparison to subsequent property purchases by same buyers; Software as a service (SAAS) services featuring software for use in analyzing home buying lost leads by comparison to subsequent property purchases by same buyers; Providing on-line non- downloadable software for use in creating marketing campaigns for real property sales based on consumer market segment and home buying preferences; Software as a service (SAAS) services featuring software for use in creating marketing campaigns for real property sales based on consumer market segment and home buying preferences; Providing on-line non- downloadable software for use in monitoring tax exemption filings on real property and patterns of exemption filings on multiple properties by same individuals and businesses; Providing on-line non- downloadable software for use in research and analysis of population movements and migration patterns of property buyers and investors; Providing on-line non- downloadable software for use in identifying high net-worth real property buyers and investors, estimating property equity owned by buyers and investors, and tracking the purchase of multiple properties by buyers and investors; Software as a service (SAAS) services featuring software for use in identifying high net-worth real property buyers and investors, estimating property equity owned by buyers and investors, and tracking the purchase of multiple properties by buyers and investors; Providing on-line non- downloadable software for use in analyzing buyer segments of property purchasing populations, namely, first time buyers, move-up or move-down buyers; Software as a service (SAAS) services featuring software for use in analyzing buyer segments of property purchasing populations, namely, first time buyers, move-up or move-down buyers

Goods & Services

Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; providing downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; providing downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties. Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession. Real property information services, namely, providing a database on a global computer network with information on real property taxes; real and commercial property taxation planning tax advice, information, and consultation services; property tax consulting services; providing a database on a global computer network featuring real property tax information; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the nature of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services, namely, providing a database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes; providing on-line information on a global computer network concerning real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring information in the field of property lead and prospective customer identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring business information in the field of real estate customer identification and advertising and marketing engagement data; providing a database on a global computer network featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; providing a website for connecting consumers and qualified service providers in the field of real property and real estate. Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases featuring consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for appraisal examination and valuation of real estate; providing online computer database featuring consumer credit rating information for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; insurance services, namely, collecting, maintaining, and providing information as to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to real property for use in collecting, maintaining, and providing information pertaining to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; interactive computer database featuring data and information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters; interactive computer database featuring statistics on real property compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; interactive computer database featuring commercial and non-commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial and non- commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial and non-commercial data relating to property for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; interactive computer database featuring commercial and non-commercial data relating to property for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring commercial and non- commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; provision of databases featuring mortgage and real property tax data; providing online computer databases featuring mortgage and real property tax data; real estate property data aggregation and summarization for use in appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; tax payment processing and analysis services; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; real property information services, namely, providing a database on a global computer network with information on real property crime risks. Real property development information services, namely, providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property. Streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet. Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration. Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring computer software for data analytics and providing an online data analytics platform; platform as a service (PaaS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DaaS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services featuring on-line, non-downloadable software for of data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of on-line non-downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (mls) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SaaS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SaaS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SaaS) services and platform as a service (PaaS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SaaS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SaaS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SaaS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SaaS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SaaS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SaaS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non-downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non-downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non-downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; all of the foregoing performed through the use of artificial intelligence or machine learning; providing a website featuring technology that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing an on-line database of information in the field of computer security services for protecting data and information from unauthorized access as IT relates to property values in the real estate mortgage lending industry; providing temporary use of an on-line, non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SaaS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SaaS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SaaS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing a web site featuring temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment; providing temporary use of on-line, online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PaaS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SaaS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SaaS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on-line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SaaS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting data tracking services, namely, tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on-line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on-line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non-downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pull and the loan funding is issued; providing software as a service (SaaS) featuring software for use in data distribution and integration; providing platform as a service (PaaS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval software for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services in the field of real estate; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property; providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; computer security services for protecting data and information from unauthorized access and fraudulent activities; providing temporary use of on-line non-downloadable software for fraud detection and prevention. Providing an on-line database of legal information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, evaluation, information, research, and screening services, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle records reporting, reference verification, education verification and professional license and certification verification.

Abstract

A delinquent payment portal system is described herein. The delinquent payment portal system can obtain transformed assessor and/or property tax data (e.g., assessor data and/or property tax data converted from one format to another format compatible with the delinquent payment portal system) from a parcel data store. The delinquent payment portal system can then use some or all of the retrieved data to generate user interface data that, when rendered by a user device, causes the user device to display a graphical user interface (GUI) depicting any of the data or features described herein, including property tax delinquency data details by land type, city, zip code, and/or other geographical area (e.g., county, state, etc.), property tax delinquency data map details, and/or property tax delinquency data year over year concurrently and/or overlapping within a single view.

IPC Classes  ?

• G06Q 40/12 - Accounting
• G06F 3/0482 - Interaction with lists of selectable items, e.g. menus

Goods & Services

Downloadable computer application software for use in accessing real estate listing databases, for using and managing multiple listing service data, tax data, parcel dimensions and data, adding and editing real estate listings, managing client relationships, integrating with third-party vendors for real property showings and providing information in the field of real estate

Goods & Services

(1) Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; providing downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; providing downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties. (2) Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession. (1) Real property information services, namely, providing a database on a global computer network with information on real property taxes; real and commercial property taxation planning tax advice, information, and consultation services; property tax consulting services; providing a database on a global computer network featuring real property tax information; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the nature of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services, namely, providing a database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes; providing on-line information on a global computer network concerning real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring information in the field of property lead and prospective customer identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring business information in the field of real estate customer identification and advertising and marketing engagement data; providing a database on a global computer network featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; providing a website for connecting consumers and qualified service providers in the field of real property and real estate. (2) Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases featuring consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for appraisal examination and valuation of real estate; providing online computer database featuring consumer credit rating information for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; insurance services, namely, collecting, maintaining, and providing information as to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to real property for use in collecting, maintaining, and providing information pertaining to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; interactive computer database featuring data and information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters; interactive computer database featuring statistics on real property compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; interactive computer database featuring commercial and non-commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial and non- commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial and non-commercial data relating to property for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; interactive computer database featuring commercial and non-commercial data relating to property for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring commercial and non- commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; provision of databases featuring mortgage and real property tax data; providing online computer databases featuring mortgage and real property tax data; real estate property data aggregation and summarization for use in appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; tax payment processing and analysis services; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; real property information services, namely, providing a database on a global computer network with information on real property crime risks. (3) Real property development information services, namely, providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property. (4) Streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet. (5) Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration. (6) Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring computer software for data analytics and providing an online data analytics platform; platform as a service (PaaS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DaaS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services featuring on-line, non-downloadable software for of data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of on-line non-downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (mls) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SaaS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SaaS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SaaS) services and platform as a service (PaaS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SaaS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SaaS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SaaS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SaaS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SaaS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SaaS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non-downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non-downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non-downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; all of the foregoing performed through the use of artificial intelligence or machine learning; providing a website featuring technology that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing an on-line database of information in the field of computer security services for protecting data and information from unauthorized access as IT relates to property values in the real estate mortgage lending industry; providing temporary use of an on-line, non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SaaS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SaaS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SaaS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing a web site featuring temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment; providing temporary use of on-line, online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PaaS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SaaS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SaaS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on-line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SaaS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting data tracking services, namely, tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on-line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on-line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non-downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pull and the loan funding is issued; providing software as a service (SaaS) featuring software for use in data distribution and integration; providing platform as a service (PaaS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval software for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services in the field of real estate; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property; providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; computer security services for protecting data and information from unauthorized access and fraudulent activities; providing temporary use of on-line non-downloadable software for fraud detection and prevention. (7) Providing an on-line database of legal information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, evaluation, information, research, and screening services, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle records reporting, reference verification, education verification and professional license and certification verification.

Goods & Services

Downloadable mobile application software for documenting and facilitating property inspections and assessments, generating inspection reports, undertaking image analysis and analytics, issuing reports and storing data and created images Providing online non-downloadable mobile application software for documenting and facilitating property inspections and assessments, generating inspection reports, undertaking image analysis and analytics, issuing reports and the storing of data and created images

Goods & Services

Providing information in the field of real estate concerning prices and values of real estate

Abstract

A device may receive first information associated with one or more properties, and second information associated with one or more properties, where the first information is of a different information type than the second information. The device may generate a first graph network based on the first information, and a second graph network based on the second information. The device may combine the first graph network and the second graph network to generate a combined network including a portion of the first information and a portion of the second information. The device may generate an embedding based on the combined graph network. The device may apply the feature embedding as input to a housing model to generate an output.

IPC Classes  ?

• G06Q 50/16 - Real estate

Abstract

A device may receive first information associated with one or more properties, and second information associated with one or more properties, where the first information is of a different information type than the second information. The device may generate a first graph network based on the first information, and a second graph network based on the second information. The device may combine the first graph network and the second graph network to generate a combined network including a portion of the first information and a portion of the second information. The device may generate an embedding based on the combined graph network. The device may apply the feature embedding as input to a housing model to generate an output.

IPC Classes  ?

• G06Q 30/02 - MarketingPrice estimation or determinationFundraising

Goods & Services

(1) Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties. (2) Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession. (1) Business information services, namely, providing information on real property taxes from a database on a global computer network real and commercial property taxation preparation, tax advice, information, and consultation services; property tax consulting services; providing information relating to real property tax preparation from a database on a global computer network; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the nature of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services, namely, promoting real estate by providing aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes from a database on a global computer network; providing on-line information concerning real estate and mortgage lender marketing services from on a global computer network, namely, providing information in the field of property lead and prospective customer identification based on geography, property values and open house data from a database on a global computer network; real estate and mortgage lender marketing services, namely, providing business information in the field of real estate customer identification and advertising and marketing engagement data from a database on a global computer network; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; providing an online marketplace for connecting consumers and qualified service providers in the field of real property and real estate; compilation of statistics on real property using machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes provided via interactive computer database; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; computerised data processing services, namely, real estate property data aggregation and summarization for use in appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events. (2) Real property information services, namely, providing real property characteristics, namely, pricing, parcel size, property liens and location data from a database on a global computer network; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; tax payment processing and analysis services; providing consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing from an online computer databases; providing information relating to appraisal examination and valuation of real estate from an online computer database; providing consumer credit rating information for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing from an online computer database; providing real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps from an on-line electronic database on global computer networks; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing real estate, mortgage and loan information for use in title insurance underwriting from a searchable database; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; real estate insurance underwriting service, namely, providing real property information relating to the physical condition of structures, personal, and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; providing real property information pertaining to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities from an interactive computer database; providing real property information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters from an interactive computer database; providing real property information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios from an interactive computer database; issuance of appraisal and valuation reports for real property impacted by natural disasters from an interactive computer database; providing real property information for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry from an interactive computer database; providing real property information for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry from an interactive computer database; providing real property information for use in analyzing to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events from an interactive computer database; providing real property information for use in analyzing value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events from an interactive computer database; providing real property information compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events interactive computer database; provision of financial information featuring mortgage and real property tax via use of databases; provision of financial information featuring mortgage and real property tax via use of online computer databases; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, providing information on real property crime risks from a database on a global computer network; real property information services for business purposes, namely, providing real property characteristics, namely, reconstruction value and location data via an online non-downloadable database on a global computer network. (3) Real property development information services, namely, providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations). (4) Streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet. (5) Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration. (6) Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring computer software for data analytics and providing an online data analytics platform; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DAAS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DAAS) services featuring on-line, non-downloadable software for of data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non- downloadable software for use in valuation of real estate; providing temporary use of on-line non- downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SAAS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PAAS) services, namely, an online, non- downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates, all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non- downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non- downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non- downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on- line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non- downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; artificial intelligence as a service [AIaaS] featuring software using artificial intelligence for calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation, all of the foregoing performed through the use of artificial intelligence or machine learning; providing computer programs that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction via a website; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing an on-line database of information in the field of computer security services for protecting data and information from unauthorized access as it relates to property values in the real estate mortgage lending industry; providing temporary use of an on-line, non- downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SAAS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SAAS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment via a web site; providing temporary use of on-line, online non- downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PAAS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SAAS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SAAS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on- line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SAAS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting data tracking services, namely, tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on- line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on- line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non- downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pull and the loan funding is issued; providing software as a service (SAAS) featuring software for use in data distribution and integration; providing platform as a service (PAAS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval software for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services in the field of real estate; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property; providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; computer security services for protecting data and information from unauthorized access and fraudulent activities; providing temporary use of on-line non-downloadable software for fraud detection and prevention; providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property; environmental engineering services in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes provided via a database on a global computer network. (7) Providing legal information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry from an on-line database; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, evaluation, information, research, and screening services, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle records reporting, reference verification, education verification and professional license and certification verification.

Goods & Services

(1) Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with information relating to real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application with a feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties. (2) Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession. (1) Providing information relating to real property tax preparation and tax filing from a database on a global computer network; accounting services relating to real and commercial property tax planning; real and commercial property tax preparation and tax filing advice, information, and consultation services; property tax consulting services (term considered too vague by the International Bureau pursuant to Rule 13(2)(b) of the Regulations); providing real property tax preparation and filing information from a database on global computer network; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; marketing research and studies in the field of real estate relating to demographics, properties, residences, residents, homes and residents of the houses; marketing research in the field of real estate relating to demographics, properties, residences, residents, homes and residents of the houses; registration, collection, transcription, compilation and systemization of electronically tagged data bearing unique data identifiers for the identification and categorization of real estate and real property; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes from a database; providing on-line information on a global computer network concerning real estate and mortgage lender marketing services in the field of property lead and prospective customer identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing business information in the field of real estate customer identification and advertising and marketing engagement data via a database on a global computer network; providing statistical information for business purposes in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location from a database on a global computer network; business research in the field of real estate, namely, analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; providing business information in the field of real estate relating to real property reconstruction value and location data from a database on a global computer network; providing an online marketplace for connecting consumers and qualified service providers in the field of real property and real estate. (2) Real estate information services relating to real property characteristics, namely, pricing, parcel size, property liens and location data provided from a database on a global computer network; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing from online computer databases; providing information relating to appraisal examination and valuation of real estate from an online computer database; providing consumer credit rating information for grading and assessing risk of loans from an online computer database and providing automated fiscal valuations and assessments of mortgage lending and investing; providing real estate information, namely, ownership and property information and data using comparables, maps, valuation and pricing data, mortgage information, loan recording information, lender market share information and digitized images of real property and maps from an on-line electronic database on global computer networks; financial analysis and consultation services for reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing real estate, mortgage and loan information for use in title insurance underwriting from a searchable database; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; providing insurance information relating to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; providing real estate information relating to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities from an interactive computer database; providing real estate data and information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters from an interactive computer database; providing real estate data and information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios from an interactive computer database; preparation of appraisal and valuation reports for real property impacted by natural disasters based on information from an interactive computer database; providing real estate information based on statistics compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property from an interactive computer database for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; financial analysis and providing real estate information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; providing real estate information from an interactive computer database for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; providing financial information relating to property from an interactive computer database for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; financial analysis and providing financial information relating to property from an interactive computer database to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; financial analysis and providing financial information relating to property about value, conditions, and damage to real property from an interactive database to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring commercial and non- commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events (term considered too vague by the International Bureau pursuant to Rule 13(2)(b) of the Regulations); providing financial information relating to mortgage and real property tax from databases; providing financial information relating to mortgage and real property tax from online computer databases; preparation of appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events based on real estate property data; tax payment processing and analysis services; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing real estate and real property information using probabilistic severity and frequency model and multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location from a database; providing real property information services in the field of real property crime risks from a database on a global computer network. (3) Providing real property building and construction information relating to weather, natural disasters, and other catastrophic events to assist in the development of real property. (4) Streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet. (5) Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration. (6) Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring computer software for data analytics and providing an online data analytics platform; platform as a service (PaaS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PaaS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DaaS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services featuring on-line, non-downloadable software for data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of on-line non-downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SaaS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SaaS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing, placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PaaS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SaaS) services and platform as a service (PaaS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SaaS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SaaS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SaaS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SaaS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SaaS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SaaS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SaaS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non-downloadable mobile application software for use in providing real property sellers and buyers with information relating to real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non-downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software for providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non-downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software for providing consumers with information about real estate service providers and for use in connected service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather forecasting and reporting services based on tracking and monitoring weather information relating to natural disasters and catastrophic events; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation (term considered too vague by the International Bureau pursuant to Rule 13(2)(b) of the Regulations); all of the foregoing performed through the use of artificial intelligence or machine learning; providing temporary use of on-line non-downloadable software that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction via a website; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing information in the field of computer security services for protecting data and information from unauthorized access relating to property values in the real estate mortgage lending industry from an on-line database; providing temporary use of an on-line, non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SaaS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SaaS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SaaS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment via a website; providing temporary use of on-line, online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PaaS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SaaS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SaaS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on-line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SaaS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting based on tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on-line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on-line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non-downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pulled and the loan funding is issued; providing software as a service (SaaS) featuring software for use in data distribution and integration; providing platform as a service (PaaS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval software for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services in the field of real estate; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; electronic security monitoring services in the nature of monitoring computer systems for data security purposes in the field of public document filings relating to secured loans for real property; providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; computer security services for protecting data and information from unauthorized access and fraudulent activities; providing temporary use of on-line non-downloadable software for fraud detection and prevention. (7) Providing legal information in the field of fraud detection relating to property values in the real estate mortgage lending industry from an on-line database; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, research, and screening services and information relating thereto, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle record investigation, reference verification, education verification and professional license and certification verification.

Goods & Services

Mobile application software for managing data and documents, namely, pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; mobile application software for task management, advertising management, lead management; mobile application software for using and managing multiple listing service data in the field of real estate; mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement. Real estate services, namely, providing access to multiple listing services; providing valuation reports of residential real estate properties, and allowing a user to order valuation reports and check order status, all through a global computer network; providing on-line information on a global computer network in the field of real estate contract appraisal and real estate appraisal management services, namely, providing status and appraisal ordering; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging, print, and direct mail and digital marketing; providing information in the field of real estate, mortgage and loan for use in title insurance underwriting via a searchable database. Providing temporary use of online, non-downloadable software for data analytics and providing an online data analytics platform; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of non-downloadable software in the real estate field for appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SAAS) providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing software as a service (SAAS) services and platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communication and relationships within the real estate workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of non-downloadable computer software for browsing and accessing digital content and computer software programs; providing online non-downloadable web-based software platform that scans and analyzes aerial images of real estate properties via artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and hosting a web site for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and hosting a web site for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online, non-downloadable computer software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in automation of mortgage and property data; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; real property information services, namely, hosting a computer database on a global computer network with information on real property taxes; hosting a computer database on a global computer network featuring real property tax information; real estate marketing services, namely, hosting a computer database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings; hosting a computer database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; real property information services, namely, hosting a computer database on a global computer network with information on real property crime risks; real estate and mortgage lender marketing services, namely, hosting a computer database on a global computer network featuring information in the field of property lead and prospect target identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, hosting a computer database on a global computer network featuring information in the field of real estate customer identification and engagement data; hosting a computer database on a global computer network featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; real property information services, namely, hosting a computer database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; hosting online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; hosting online computer databases for examination and valuation of real estate; hosting online computer databases for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; design and development of an online electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; hosting an on-line computer database in the field of real estate through search and data retrieval software for accessing and downloading real property information from multiple data sources; hosting interactive computer databases providing data and information for use in collecting, maintaining, and providing information about structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; hosting interactive computer databases providing data and information for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; hosting interactive computer databases featuring data for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; hosting interactive computer databases for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters; hosting interactive computer databases featuring real property information services for business purposes, namely, hosting an online non-downloadable computer database on a global computer network on real property characteristics, namely, reconstruction value and location data; hosting interactive computer databases featuring statistics compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; hosting interactive computer databases for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; hosting interactive computer databases for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; hosting interactive computer databases providing for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; hosting interactive computer databases providing information and data compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; hosting interactive computer databases providing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; hosting computer databases featuring mortgage and property tax data; business services, namely, hosting computer databases regarding the management and automation of mortgage and property tax data; hosting online computer databases featuring mortgage and property tax data.

Abstract

A flood footprint estimation system that can generate a requested flood footprint is described herein. For example, the flood footprint estimation system can estimate water surface elevations at various points along a stream or river. The flood footprint estimation system can then perform a smoothing operation on the estimated water surface elevations to generate a trend line or curve of the estimated water surface elevations in which each point of the trend line or curve corresponds to a water surface elevation value that is no greater than any of the water surface elevation values of the previous points of the trend line or curve. The flood footprint estimation system can use the trend line or curve to perform an iterative water expansion to determine which geographic locations may flood. Results of the iterative water expansion can be provided to a user device in the form of a user interface.

IPC Classes  ?

• G06T 17/05 - Geographic models
• G06F 16/29 - Geographical information databases
• G06F 17/17 - Function evaluation by approximation methods, e.g. interpolation or extrapolation, smoothing or least mean square method

Goods & Services

Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; providing downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; providing downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession Real property information services, namely, providing a database on a global computer network with information on real property taxes; real and commercial property taxation planning tax advice, information, and consultation services; property tax consulting services; providing a database on a global computer network featuring real property tax information; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the nature of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services, namely, providing a database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes; providing on-line information on a global computer network concerning real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring information in the field of property lead and prospective customer identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring business information in the field of real estate customer identification and advertising and marketing engagement data; providing a database on a global computer network featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; providing a website for connecting consumers and qualified service providers in the field of real property and real estate; real estate property data aggregation and summarization being data processing for use in appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters, for business or commercial purposes; interactive computer database featuring statistics on real property, for tax purposes; interactive computer database featuring commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial data relating to property for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; interactive computer database featuring commercial data relating to property for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases featuring consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for appraisal examination and valuation of real estate; providing online computer database featuring consumer credit rating information for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; insurance services, namely, collecting, maintaining, and providing information as to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to real property for use in collecting, maintaining, and providing information pertaining to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; interactive computer database featuring data and information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters, not for business or commercial purposes; interactive computer database featuring statistics on real property, excluding those relating to tax, compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; interactive computer database featuring non-commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring non-commercial data relating to property for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; interactive computer database featuring non-commercial data relating to property for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring non-commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; provision of databases featuring mortgage and real property tax data; providing online computer databases featuring mortgage and real property tax data; tax payment processing and analysis services; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; real property information services, namely, providing a database on a global computer network with information on real property crime risks Real property development information services, namely, providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring computer software platforms for data analytics; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DAAS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DAAS) services featuring on-line, non-downloadable software for data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non- downloadable software for use in valuation of real estate; providing temporary use of on-line non- downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SAAS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PAAS) services, namely, an online, non- downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non- downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non- downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non- downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on- line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non- downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; all of the foregoing performed through the use of artificial intelligence or machine learning; providing a website featuring technology that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing an on-line database of information in the field of computer security services for protecting data and information from unauthorized access as it relates to property values in the real estate mortgage lending industry; providing temporary use of an on-line, non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SAAS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SAAS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing a web site featuring temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment; providing temporary use of on-line, online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PAAS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SAAS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SAAS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on-line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SAAS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting data tracking services, namely, tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on- line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on-line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non-downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pull and the loan funding is issued; providing software as a service (SAAS) featuring software for use in data distribution and integration; providing platform as a service (PAAS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services data in the field of real estate; Electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; Monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property; Providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events providing an on-line database of legal information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, evaluation, information, research, and screening services, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle records reporting, reference verification, education verification and professional license and professional certification verification

Goods & Services

Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely, sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; providing downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; providing downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession Real property information services, namely, providing a database on a global computer network with information on real property taxes; real and commercial property taxation planning tax advice, information, and consultation services; property tax consulting services; providing a database on a global computer network featuring real property tax information; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the nature of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services, namely, providing a database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes; providing on-line information on a global computer network concerning real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring information in the field of property lead and prospective customer identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring business information in the field of real estate customer identification and advertising and marketing engagement data; providing a database on a global computer network featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; providing a website for connecting consumers and qualified service providers in the field of real property and real estate Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases featuring consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for appraisal examination and valuation of real estate; providing online computer database featuring consumer credit rating information for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; insurance services, namely, collecting, maintaining, and providing information as to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to real property for use in collecting, maintaining, and providing information pertaining to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; interactive computer database featuring data and information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters; interactive computer database featuring statistics on real property compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; interactive computer database featuring commercial and non-commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial and non- commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial and non-commercial data relating to property for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; interactive computer database featuring commercial and non-commercial data relating to property for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring commercial and non- commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; provision of databases featuring mortgage and real property tax data; providing online computer databases featuring mortgage and real property tax data; real estate property data aggregation and summarization for use in appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; tax payment processing and analysis services; providing on-line information in the field of real estate concerning prices and values of real estate, namely, providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; real property information services, namely, providing a database on a global computer network with information on real property crime risks Real property development information services, namely, providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property Streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring computer software for data analytics and providing an online data analytics platform; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DAAS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DAAS) services featuring on-line, non-downloadable software for of data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non downloadable software for use in valuation of real estate; providing temporary use of on-line non- downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SAAS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PAAS) services, namely, an online, non- downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non-downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non-downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non-downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on- line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non- downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; all of the foregoing performed through the use of artificial intelligence or machine learning; providing a website featuring technology that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing an on-line database of information in the field of computer security services for protecting data and information from unauthorized access as it relates to property values in the real estate mortgage lending industry; providing temporary use of an on-line, non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SAAS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SAAS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing a web site featuring temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment; providing temporary use of on-line, online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PAAS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SAAS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SAAS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on- line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SAAS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting data tracking services, namely, tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on- line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on- line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non-downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pull and the loan funding is issued; providing software as a service (SAAS) featuring software for use in data distribution and integration; providing platform as a service (PAAS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval software for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services in the field of real estate; Electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; Monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property; Providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; computer security services for protecting data and information from unauthorized access and fraudulent activities; providing temporary use of on-line non-downloadable software for fraud detection and prevention Providing an on-line database of legal information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, evaluation, information, research, and screening services, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle records reporting, reference verification, education verification and professional license and certification verification

Abstract

A development management system is described herein that may provide a unified portal that depicts an interactive user interface accessible to a developer and various stakeholders in a region at which a development is planned. Within the unified portal, the developer can provide and/or access certain sets of data. In addition, other stakeholders in the region at which a development is planned can access the unified portal and provide access-controlled data that may otherwise be unavailable to the developer. The unified portal may allow the developer and/or the stakeholders to monitor the progress of a development, provide input as to various design elements that may comprise the development, to provide or request additional information as needed, to select a location at which the development will occur with the aid of artificial intelligence, and to review and revise a layout of the proposed development graphically depicted via the user interface.

IPC Classes  ?

• G06Q 50/16 - Real estate
• G06F 16/29 - Geographical information databases
• G06F 18/214 - Generating training patternsBootstrap methods, e.g. bagging or boosting
• G06F 30/13 - Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
• G06N 20/00 - Machine learning

Abstract

A computer system and associated processes for grouping similar real estate properties into contiguous neighborhoods and generating neighborhood-specific models capable of estimating property values within their neighborhoods. An artificial intelligence system directed to using a graph neural network framework to identify relationships between different parcel groups based on similar property features and embed the parcel groups into low dimensional space vectors. The method can include generating a graph and features relevant to the parcel groups that can train an embedding function that generate an embedding vector for each parcel group in a geographic unit grouping, such as a census tract. Embedding vectors of two or more parcel groups can then be compared to each other to determine whether the parcel groups are similar or to determine a housing valuation of a parcel group.

IPC Classes  ?

• G06N 3/04 - Architecture, e.g. interconnection topology
• G06N 3/08 - Learning methods
• G06Q 50/16 - Real estate

Abstract

Systems and methods are disclosed for the generation and interactive display of three-dimensional (3D) models that accurately represent buildings and other large, complex objects possessing both internal and external features. More specifically, an exterior mesh can be generated that captures all the external features of the building. An interior mesh can also be generated that captures all the internal features of the building. The exterior mesh and the interior mesh may be layered and combined using geographical coordinates (e.g., global positioning system (GPS) data) in order to create a combined mesh that can be used to render a 3D model of the object. Any images taken of external or internal features may also be appended to the 3D model or even overlaid on the 3D model (like textures), based on the location and directional view associated with those images.

IPC Classes  ?

• G06T 19/00 - Manipulating 3D models or images for computer graphics
• B64C 39/02 - Aircraft not otherwise provided for characterised by special use
• G06Q 50/16 - Real estate
• G06T 15/00 - 3D [Three Dimensional] image rendering
• G06T 17/20 - Wire-frame description, e.g. polygonalisation or tessellation
• G06T 19/20 - Editing of 3D images, e.g. changing shapes or colours, aligning objects or positioning parts

Goods & Services

Downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers for on-line pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, lead management, referral management, showing management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data, tax data, parcel dimensions and data in the field of real estate; downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; downloadable mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; downloadable software and mobile application software for insurance claims adjudication, insurance claims adjustment, and property restoration; providing downloadable workflow management software for use in the field of insurance claim processing, adjudication, and property restoration; providing downloadable software for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; downloadable reports providing information and data pertaining to real property mortgages, loans, liens and encumbrances; downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties; downloadable computer software directed to insurance industry professionals for providing financial assessments, insurance information, construction information, financial statistics and valuation of residential and commercial properties Series of non-fiction books, booklets and newsletters concerning real estate and insurance, directed to the building, estimating, assessor and insurance industry profession Real property information services, namely, providing a database on a global computer network with information on real property taxes; real and commercial property taxation planning tax advice, information, and consultation services; property tax consulting services; providing a database on a global computer network featuring real property tax information; business inquiry, investigation, evaluation, appraisal, information, and research services; providing real estate loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the nature of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers into computer databases; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; real estate marketing services, namely, providing a database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings, for commercial purposes; providing on-line information on a global computer network concerning real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring information in the field of property lead and prospective customer identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring business information in the field of real estate customer identification and advertising and marketing engagement data; providing a database on a global computer network featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; providing a website for connecting consumers and qualified service providers in the field of real property and real estate; real estate property data aggregation and summarization being data processing for use in appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters, for business or commercial purposes; interactive computer database featuring statistics on real property, for tax purposes; interactive computer database featuring commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring commercial data relating to property for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; interactive computer database featuring commercial data relating to property for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; financial services, namely, financial assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases featuring consumer credit rating information for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for appraisal examination and valuation of real estate; providing online computer database featuring consumer credit rating information for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and financial evaluation of credit risk; providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting; preparation of valuation reports of residential real estate properties; providing on-line information on a global computer network in the nature of real estate appraisal and valuation and the financial valuation of real estate; insurance services, namely, collecting, maintaining, and providing information as to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to real property for use in collecting, maintaining, and providing information pertaining to the physical condition of structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; interactive computer database providing data and information pertaining to the physical condition of real property for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; interactive computer database featuring data and information pertaining to the physical condition real property for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters, not for business or commercial purposes; interactive computer database featuring statistics on real property, excluding those relating to tax, compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan and insurance underwriting purposes; interactive computer database featuring non-commercial data relating to property for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; interactive computer database featuring non-commercial data relating to property for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; interactive computer database featuring non-commercial data relating to property for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; interactive computer database featuring non-commercial data relating to property compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; provision of databases featuring mortgage and real property tax data; providing online computer databases featuring mortgage and real property tax data; tax payment processing and analysis services; providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate appraisal and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses; providing real property valuations, providing information regarding real property characteristics for real estate investment purposes, providing information about real property valuations and real property characteristics to the insurance industry, property appraisers and tax assessors via a global computer network; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging; providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; real property information services, namely, providing a database on a global computer network with information on real property crime risks Real property development information services, namely, providing and analyzing information and data relating to weather, natural disasters, and other catastrophic events to assist in the development of real property streaming of data and information on crime occurrence on the internet; streaming of data and information on security assessment and recommendation on crime risk using predictive statistics on the internet; streaming of data and information on crime trends, security and crime risk, thematic maps, incident reports for a particular location to third parties on the internet Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration Providing use of online, non-downloadable software for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring computer software platforms for data analytics; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services featuring on-line, non-downloadable software for use in data based property risk analytics; data as a service (DAAS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DAAS) services featuring on-line, non-downloadable software for data automation and data collection utilizing proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of credit and mortgage data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates financial data of loan agents, borrowers, and real estate public data; providing on-line non- downloadable software for use in valuation of real estate; providing temporary use of on-line non- downloadable software for use in managing multiple listing service data in the field of real estate; providing temporary use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for creating appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SAAS), namely, providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing platform as a service (PAAS) services, namely, an online, non- downloadable software platform for use by real estate professionals, namely, real estate appraisers, lenders, and mortgage brokers, for managing real estate transaction workflow, namely, managing placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, and containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communications between real estate professionals, buyers and sellers within the real estate transaction workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of a web-based software platform that scans and analyzes aerial images of real estate properties utilizing artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of an on-line, non-downloadable computer software platform and on-line, non- downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an on-line, non-downloadable computer software platform, on-line, non- downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online non- downloadable software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the compilation of mortgage and property data; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of on- line, non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of on-line, non- downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable web-based software for use in the compilation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of on-line, non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; authentication of user identity digital certificates for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; all of the foregoing performed through the use of artificial intelligence or machine learning; providing a website featuring technology that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allowing real estate professionals to send curated digital home listings to home buyer consumers, and engage digitally with real estate professional throughout the home buying and selling transaction; fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing an on-line database of information in the field of computer security services for protecting data and information from unauthorized access as it relates to property values in the real estate mortgage lending industry; providing temporary use of an on-line, non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; software as a service (SAAS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; software as a service (SAAS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation; software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial and residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; providing on-line, non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; providing temporary use of an on-line, non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; providing temporary use of on-line, non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity, performing skill-based assignment of personnel, performing proximity-based allocation of resources, providing for efficient continuous assignment allocation; providing temporary use of an on-line, non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; providing temporary use of an on-line, non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; providing a web site featuring temporary use of on-line, non-downloadable software for insurance claims adjudication and insurance claims adjustment; providing temporary use of on-line, online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders; providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in managing insurance carrier response times, efficiency, and recovery efforts in responding to weather events impacting property insurance policyholders; platform as a service (PAAS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; software as a service (SAAS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; software as a service (SAAS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; quality control for others, namely, providing quality assurance programs for property insurance; providing temporary use of on-line, non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders; software as a service (SAAS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes; weather forecasting data tracking services, namely, tracking and monitoring real time meteorological information relating to natural disasters and catastrophic events; providing temporary use of on-line non-downloadable software and applications for use by professionals in the property industry for referral and networking purposes; providing temporary use of on-line non-downloadable software and applications for use in managing of the licensing, distribution, and consumption of listing, property, and location insights data as between data providers and data consumers; providing temporary use of on-line non-downloadable software and applications for comparing and contrasting location data characteristics consisting of livability scores, job markets, demographics, crime rates, schools, and proximity to first responders within a defined property range; providing temporary use of on-line non-downloadable software and applications for use in performing spatial intelligence evaluation of real property locations; providing temporary use of on- line non-downloadable software and applications for use in the research and evaluation of property foreclosure data; providing temporary use of on-line non-downloadable software and applications for use searching county parcel maps, for downloading parcel maps; providing temporary use of on-line non-downloadable software and applications for use in performing mortgage analytics; providing temporary use of on-line non-downloadable software and applications for use in searching and research of real property transaction history; providing temporary use of on-line non-downloadable software and applications for use in the extraction of public county real property legal descriptions; providing temporary use of on-line non-downloadable software and applications for use in the automation of insurance claims process workflow, namely, for quality assurance and removal of duplicate entry information; providing temporary use of on-line non-downloadable software and applications for use in generating estimates and diagramming workflow process in field of insurance claim processing, adjudication, and property restoration; providing temporary use of on-line non-downloadable software and applications for use in research and evaluation of physical classification changes in real property; providing temporary use of on-line non-downloadable software and applications for use in the identification of current and historical lot subdivisions of real property; providing temporary use of on-line non-downloadable software and applications for use in the management, research and evaluation of neighborhood data, namely, information on neighborhood characteristics, schools, lifestyle segments, economic status, employment and demographic data of residents; providing temporary use of on-line non-downloadable software and applications for use in automated verifying and analyzing of a borrower's financial standing for lending risk purposes; providing temporary use of on-line non-downloadable software and applications for use in loan quality debt monitoring, namely, providing alerts when a borrower's credit profile changes between the time period where initial credit report is pull and the loan funding is issued; providing software as a service (SAAS) featuring software for use in data distribution and integration; providing platform as a service (PAAS) featuring computer software platforms for use in credit, mortgage and loan data distribution and integration; providing temporary use of on-line non-downloadable software and applications for use in searching an on-line computer database in the field of real estate featuring search and data retrieval for accessing and downloading real property information from multiple data sources; providing temporary use of on-line non-downloadable software and applications for use in searching multiple listing services data in the field of real estate; Electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; Monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property; Providing temporary use of online non-downloadable software and online non-downloadable mobile application software for accessing an interactive computer database containing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; providing an on-line database of legal information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry; background investigation services, pre-employment, pre-renting, and other background inquiry, investigation, evaluation, information, research, and screening services, namely, conducting pre-employment background investigations, personnel investigations, criminal record investigation, driving record investigation, motor vehicle records reporting, reference verification, education verification and professional license and professional certification verification

Goods & Services

Platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services, namely, providing online non-downloadable software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services in the nature of data automation and data collection services using proprietary software to evaluate, analyze, collect and disseminate data; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of non-downloadable software in the real estate field for appraisal and valuation reports; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre-approvals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers.

Abstract

A computer system and associated processes for grouping similar real estate properties into contiguous neighborhoods and generating neighborhood-specific models capable of estimating property values within their neighborhoods. An artificial intelligence system directed to using a graph neural network framework to identify relationships between different parcel groups based on similar property features and embed the parcel groups into low dimensional space vectors. The method can include generating a graph and features relevant to the parcel groups that can train an embedding function that generate an embedding vector for each parcel group in a geographic unit grouping, such as a census tract. Embedding vectors of two or more parcel groups can then be compared to each other to determine whether the parcel groups are similar or to determine a housing valuation of a parcel group.

IPC Classes  ?

• G06Q 50/16 - Real estate
• G06N 20/00 - Machine learning
• G06Q 30/02 - MarketingPrice estimation or determinationFundraising

Abstract

A method using a convolutional neural network to auto-determine a first floor height (FFH) and a FFH elevation (FFE) of a building. The FFH, and FFE of the building are determined with respect to the terrain or surface of the parcel of land on which the building is located. In turn, by knowing the FFH and/or FFE of the building on the parcel, it is possible to use that information while performing a flood risk assessment to a property without requiring a personal inspection of the parcel by a human.

IPC Classes  ?

• G06N 3/08 - Learning methods
• G01C 5/00 - Measuring heightMeasuring distances transverse to line of sightLevelling between separated pointsSurveyors' levels
• G01C 15/00 - Surveying instruments or accessories not provided for in groups
• G06N 3/04 - Architecture, e.g. interconnection topology
• 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
• G06V 20/10 - Terrestrial scenes
• G06V 20/20 - ScenesScene-specific elements in augmented reality scenes

Goods & Services

Software as a service (SAAS) services featuring software used to provide reports and information on real property and real estate for insurance underwriting, risk assessment and valuation purposes

Abstract

A flood footprint estimation system that can generate a requested flood footprint is described herein. For example, the flood footprint estimation system can estimate water surface elevations at various points along a stream or river. The flood footprint estimation system can then perform a smoothing operation on the estimated water surface elevations to generate a trend line or curve of the estimated water surface elevations in which each point of the trend line or curve corresponds to a water surface elevation value that is no greater than any of the water surface elevation values of the previous points of the trend line or curve. The flood footprint estimation system can use the trend line or curve to perform an iterative water expansion to determine which geographic locations may flood. Results of the iterative water expansion can be provided to a user device in the form of a user interface.

IPC Classes  ?

• G06T 17/05 - Geographic models
• G06F 16/29 - Geographical information databases
• G06F 17/17 - Function evaluation by approximation methods, e.g. interpolation or extrapolation, smoothing or least mean square method

Goods & Services

(1) Mobile application software for managing data and documents, namely, pre-qualifications, credit and loan risk assessments, and pricing and fee information, and user guides provided therewith; mobile application software for task management, advertising management, lead management; mobile application software for using and managing multiple listing service data in the field of real estate; mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources; downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement. (1) Real estate services, namely, providing access to multiple listing services; providing valuation reports of residential real estate properties, and allowing a user to order valuation reports and check order status, all through a global computer network; providing on-line information on a global computer network in the field of real estate contract appraisal and real estate appraisal management services, namely, providing status and appraisal ordering; providing on-line information on a global computer network concerning real estate prices and values of real estate; providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging, print, and direct mail and digital marketing; providing information in the field of real estate, mortgage and loan for use in title insurance underwriting via a searchable database. (2) Providing temporary use of online, non-downloadable software for data analytics and providing an online data analytics platform; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of non-downloadable software in the real estate field for appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service (SAAS) providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing software as a service (SAAS) services and platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals in managing communication and relationships within the real estate workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of non-downloadable computer software for browsing and accessing digital content and computer software programs; providing online non-downloadable web-based software platform that scans and analyzes aerial images of real estate properties via artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and hosting a web site for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and decor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and hosting a web site for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of non-downloadable software providing consumers with information about real estate service providers; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; computer services in the nature of providing temporary use of online, non-downloadable computer software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in automation of mortgage and property data; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; real property information services, namely, hosting a computer database on a global computer network with information on real property taxes; hosting a computer database on a global computer network featuring real property tax information; real estate marketing services, namely, hosting a computer database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings; hosting a computer database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; real property information services, namely, hosting a computer database on a global computer network with information on real property crime risks; real estate and mortgage lender marketing services, namely, hosting a computer database on a global computer network featuring information in the field of property lead and prospect target identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, hosting a computer database on a global computer network featuring information in the field of real estate customer identification and engagement data; hosting a computer database on a global computer network featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; real property information services, namely, hosting a computer database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; hosting online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; hosting online computer databases for examination and valuation of real estate; hosting online computer databases for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; design and development of an online electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; hosting an on-line computer database in the field of real estate through search and data retrieval software for accessing and downloading real property information from multiple data sources; hosting interactive computer databases providing data and information for use in collecting, maintaining, and providing information about structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; hosting interactive computer databases providing data and information for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; hosting interactive computer databases featuring data for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; hosting interactive computer databases for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters; hosting interactive computer databases featuring real property information services for business purposes, namely, hosting an online non-downloadable computer database on a global computer network on real property characteristics, namely, reconstruction value and location data; hosting interactive computer databases featuring statistics compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; hosting interactive computer databases for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; hosting interactive computer databases for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; hosting interactive computer databases providing for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; hosting interactive computer databases providing information and data compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; hosting interactive computer databases providing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; hosting computer databases featuring mortgage and property tax data; business services, namely, hosting computer databases regarding the management and automation of mortgage and property tax data; hosting online computer databases featuring mortgage and property tax data.

Goods & Services

Platform as a service (PAAS) featuring computer software platforms for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management; Providing temporary use of online non-downloadable software for use in catastrophe modeling and risk quantification in the field of residential and commercial property risk management

Goods & Services

Software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for commercial structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; Application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; Application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; Application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers

Goods & Services

Providing temporary use of online non-downloadable computer software for use in processing of insurance claims in connection with property restoration, insurance claims adjudication and insurance claims adjustment; Providing temporary use of online nondownloadable workflow management software in field of insurance claim processing and adjudication; Providing temporary use of online non-downloadable collaboration software for sharing information between property owners and insurance processors for use by insurance carrier personnel and supply chain resources in the field of insurance claim processing and adjudication; Providing temporary use of online non-downloadable software for use in document and data collection, depositing money, data storage and claims processing in field of insurance claim processing and adjudication; Providing temporary use of online non-downloadable software for use in automated property insurance claim processing; Providing temporary use of online non-downloadable software for use in processing of insurance claims in the field of property restoration

Goods & Services

Providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in the predicting of address-specific weather events by property insurance carriers, agents and policyholders; Providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, and post-event weather data modeling, all for use in the providing advanced address-specific alerts via SMS and direct messaging as to anticipated weather events impacting property insurance policyholders

Goods & Services

Providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in advanced risk analytics and potential claim exposure relating to weather events impacting property insurance policyholders; Providing temporary use of online non-downloadable software for modeling weather conditions, forecasting weather events, post-event weather data modeling, and historical reporting of prior weather events, all for use in evaluating future financial exposure relating to weather events impacting property insurance policyholders

Goods & Services

Providing temporary use of a non-downloadable web application for use in providing guidelines and status monitoring for project management and task management in the field of residential and commercial property restoration and repair; Software as a service (SAAS) services featuring software for the purpose of assessing, documenting, tracking, and auditing property restoration and repair projects and data; Software as a service (SAAS) services featuring software for use in providing guidelines and status monitoring in project and task management for use in workflow process standardization, internal and external communication among stakeholders, and evaluation of customer service feedback in the field of residential and commercial property restoration and repair and damage mitigation

Goods & Services

Providing non-downloadable computer software for data processing for use by the insurance industry in connection with the capturing of insurance claim information; Providing temporary use of a non-downloadable software for use in the management and allocation of data resources employed by insurance carriers and agents in the processing, management, and adjudication of insurance claims; Providing temporary use of non-downloadable software for use in resource assignment tracking in the field of property insurance claim processing and adjudication, namely, tracking resource capacity

Goods & Services

Software as a service (SAAS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for identification of coverage exceptions in the field of property insurance; Software as a service (SAAS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; Providing temporary use of online non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims

Goods & Services

Software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; Application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for residential structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; Application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers

Goods & Services

Software as a service (SAAS) services featuring software for real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; Providing temporary use of a non-downloadable web applications featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; Providing temporary use of a non-downloadable software featuring real-time video capture of claim damage and tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing real-time tracking of insurance claim process via video; Providing a web site featuring temporary use of non-downloadable software for insurance claims adjudication and insurance claims adjustment

Goods & Services

Downloadable computer software in the nature of a mobile application for use in providing and collecting customer information, photographs and videos of claim, quality review, customer feedback and construction progress reports in connection with property insurance claims, property construction and property repair contracts; Downloadable software for use by insurance carriers and contractors for the collection, storage and analyzing of property information and customer data; Downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information

Goods & Services

Providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the evaluation and analysis of property insurance policies; Providing temporary use of online non-downloadable software for modeling meteorological conditions, forecasting meteorological events, post-event meteorological data modeling, and historical reporting of prior meteorological events, all for use in the preparation, processing and adjudication of property insurance claims; Providing temporary use of online non-downloadable software for developing response strategies to meteorological events, catastrophic meteorological events, and natural disasters impacting property insurance policyholders

Goods & Services

Providing temporary use of online non-downloadable software for use in the collecting, organizing, storing, analyzing and sharing of weather data, information, all for use in generating historic reports relating to hail, wind, tornado, and lightning events impacting property insurance policyholders at the property level; Providing temporary use of online non-downloadable software for weather data modeling and forensic reporting of prior weather events, all for use in generating historical weather activity reports and maps relating to hail, wind, tornado, and lightning events for consumer, news media, and social media sharing

Goods & Services

Downloadable software in the nature of a mobile application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines for use in the field of residential and commercial property water damage repair and restoration; Downloadable software in the nature of a mobile application for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration Providing temporary use of a non-downloadable web application for use in collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration; Software as a service (SAAS) services featuring software for collecting property damage data and insurance claim management, namely, software for use in the storage and organization of complex loss documentation, creation and management of electronic forms, task management workflow automation, management of photo and video claims content, meeting legal and environmental compliance obligations, and management of workflow timelines, each in the field of residential and commercial property water damage repair and restoration

Abstract

An improved living area estimation system is described herein that can control and/or use data obtained by a residential robotic device that operates within a structure to estimate the living area. In particular, a residential robotic device may navigate along a predetermined or dynamically-determined route on one floor of the structure. As the residential robotic device travels along the route, the residential robotic device can use one or more sensors to track the area covered. The living area estimation system can obtain a traversed area map directly or indirectly from the residential robotic device, use image processing techniques to enhance the traversed area map, and estimate a living area of a floor on which the residential robotic device operated using the enhanced traversed area map. The living area estimation system can then use artificial intelligence and the estimated floor living area to estimate the living area of a structure.

IPC Classes  ?

• G06T 15/08 - Volume rendering
• G06T 7/10 - SegmentationEdge detection
• G06T 7/543 - Depth or shape recovery from line drawings
• G06T 7/62 - Analysis of geometric attributes of area, perimeter, diameter or volume

Goods & Services

Downloadable software component in the nature of a mobile application feature that allows users to measure, create, annotate, view, present, and edit graphics, graphic designs, visual effects, composite images and illustrations of interior and exterior spaces of residential and commercial properties

Goods & Services

(1) Platform as a service (PaaS) services featuring computer software platforms for data warehousing, data mining, and the management, integration, processing, collection, interpretation, querying, visualization, analysis, and sharing of data being documents, text, audio, images, video, and associated metadata; platform as a service (PaaS) services providing software platforms for conducting business intelligence analysis and for the collection, extraction, storage, transformation, loading and writing, display, querying, analysis and reporting of data being documents, text, audio, images, video, and associated metadata; software as a service (SaaS) services, namely, providing online non-downloadable software to conduct data based risk analysis in the field of property and real estate; software as a service (SaaS) offering software for data collection, aggregation, evaluation and analysis in the field of property and real estate; providing software as a service (SaaS) services in the nature of data collection and automation, namely, providing software for data collection, evaluation, analysis and dissemination in the field of property and real estate; online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data in the field of property and real estate; providing online non-downloadable computer software to retrieve and analyze public real estate data and private data of loan agents and borrowers; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of non-downloadable software in the real estate field for appraisal and valuation reports; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre-approvals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers, lenders, brokers, underwriters and compliance officers involved in the loan process, sharing of documents and information between borrowers, lenders, brokers, underwriters and compliance officers involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; application service provider featuring application programming interface (API) software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers.

Goods & Services

Providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes.

Abstract

Systems and methods are disclosed for the generation and interactive display of three-dimensional (3D) models that accurately represent buildings and other large, complex objects possessing both internal and external features. More specifically, an exterior mesh can be generated that captures all the external features of the building. An interior mesh can also be generated that captures all the internal features of the building. The exterior mesh and the interior mesh may be layered and combined using geographical coordinates (e.g., global positioning system (GPS) data) in order to create a combined mesh that can be used to render a 3D model of the object. Any images taken of external or internal features may also be appended to the 3D model or even overlaid on the 3D model (like textures), based on the location and directional view associated with those images.

IPC Classes  ?

• G06Q 50/16 - Real estate
• B64C 39/02 - Aircraft not otherwise provided for characterised by special use
• G06T 15/00 - 3D [Three Dimensional] image rendering
• G06T 17/20 - Wire-frame description, e.g. polygonalisation or tessellation

Goods & Services

(1) Downloadable and mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers, for on-line pre-qualifications, credit and loan risk management, automated underwriting, and real-time lock and pricing and fee information, and user guides provided therewith; downloadable and mobile application software for task management, advertising management, referral management, showing management, lead management, inventory management and appointment management and scheduling; downloadable and mobile application software for using and managing multiple listing service data in the field of real estate; downloadable and mobile application software for sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable software and mobile applications for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable and mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; all of the foregoing performed through the use of artificial intelligence or machine learning (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations). (1) Real property information services, namely, providing a database on a global computer network with information on real property taxes (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real and commercial property taxation planning tax advice, information, and consultation services (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); property tax consulting services (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing a database featuring real property tax information (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate marketing services, namely, providing a database on a global computer network with aerial photographs of real property that provide a view of properties and their surroundings (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); business inquiry, investigation, evaluation, appraisal, information, and research services; delivering loan leads to lenders (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate research services in the field of demographics properties, residences, residents, homes and residents of the houses (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; providing on-line information in the field of real estate concerning prices and values of real estate (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate marketing services featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging, print, and direct mail; providing a website for connecting consumers and qualified service providers in the field of real property and real estate (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); data aggregation services in the real estate field for appraisal and valuation reports for real property impacted by natural disasters; financial data aggregation services for appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes. (2) Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size and location data (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial services, namely, assessment and management of loan risk and fraud in the fields of mortgage lending and investing (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing online computer database for examination and valuation of real estate (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing online computer database for grading and assessing risk of loans (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); and providing automated fiscal valuations and assessments of mortgage lending and investing; real property information services, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing an on-line computer database in the field of real estate through search and data retrieval software for accessing and downloading real property information from multiple data sources (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, evaluation, and reporting services; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real estate services, namely, multiple listing services accessible over the internet; providing valuation reports of residential real estate properties, and allowing a user to order valuation reports and check order status, all through a global computer network (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); automated appraisal management system (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing on-line information in the field of real estate contract appraisal and real estate appraisal management services, namely, providing status and appraisal ordering (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); insurance services, namely, collecting, maintaining, and providing information about structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); data tracking services, namely, collecting, compiling and analysis of real property valuation data occurring before and after the occurrence of natural disasters (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, providing real time data to lenders and insurers on real property valuation before and after the occurrence of natural disasters; real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); real property information services, namely, analysis and provision of information about value and conditions of real property impacted by natural disasters; real estate data services, namely, evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data;: interactive computer database, namely, for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing a website that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allow realtors to send curated digital home listings to home buyer consumers, and engage digitally with realtors throughout the home buying and selling transaction (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial real property information services, namely, providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; financial real property information services, namely, providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; real property research services, namely, researching, compilation, and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial data tracking services, namely, collecting, tracking, compiling and analysis of financial information about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); financial data tracking services, namely, tracking and monitoring real time financial information relating to natural disasters and catastrophic events; tax payment processing and analysis services. (3) Streaming of data, information and reports on crime occurrence material on the Internet; streaming of data, information and reports on security assessment and recommendation on crime risk, physical locations, information systems, and working environments using predictive statistics on the Internet; streaming of data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties on the Internet. (4) Providing temporary use of online, non-downloadable software for data analytics and providing an online data analytics platform; platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; data as a service (DAAS) services featuring data for use in property risk analytics (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services in the nature of data automation and data collection services using proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing use of on-line non-downloadable software for use in managing multiple listing service data in the field of real estate; providing use of online non-downloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of non-downloadable software in the real estate field for appraisal and valuation reports; providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; software as a service providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; providing software as a service (SAAS) services and platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals, such as real estate appraisers, lenders, and mortgage brokers, for managing various aspects of the real estate workflow, including placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, said software platform containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre-approvals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; cloud computing featuring software for use in database management and document production for real estate professionals; providing temporary use of non-downloadable computer software for browsing and accessing digital content and computer software programs; providing a web-based software platform that scans and analyzes aerial images of real estate properties via artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); providing temporary use of non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); authentication of user identity for real estate associations and multiple listing services; computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; computer services in the nature of providing temporary use of online software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; all of the foregoing performed through the use of artificial intelligence or machine learning; electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; financial analysis and consultation services, namely, quality control on loans, loan portfolios and lines of credit. (5) Fraud detection services in the field of misrepresentation of property values in the real estate mortgage lending industry; providing a database of information in the field of fraud detection as it relates to property values in the real estate mortgage lending industry (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations); monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property (term considered too vague by the International Bureau pursuant to Rule 13 (2) (b) of the Regulations).

Goods & Services

Business intermediation services, namely connecting consumers and qualified service providers in the field of real property and real estate, via a website. Real estate broker services to enable consumers to view and interact with digital real estate listings populated on multiple listing service platforms, to allow realtors to send curated digital home listings to home buyer consumers, and engage digitally with realtors throughout the home buying and selling transaction, via a website. Providing non-downloadable online software for temporary use for home listings, insight about properties and location, and connecting the consumer with professionals to enable home buying, selling, renovation transactions; providing non-downloadable online software for temporary use for real estate service providers and for use in connecting service providers and consumers through referrals; providing temporary use of online non-downloadable computer software that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allow realtors to send curated digital home listings to home buyer consumers, and engage digitally with realtors throughout the home buying and selling transaction.

Goods & Services

Downloadable mobile application software for managing data and documents, namely, pre-qualifications, credit and loan risk assessments, and pricing and fee information, and downloadable user guides featuring information about managing data and documents, namely, pre-qualifications, credit and loan risk assessments, and pricing and fee information; Downloadable mobile application software for task management, advertising management, lead management; Downloadable mobile application software for accessing and managing multiple listing service data in the field of real estate; Downloadable mobile application software for the managing of data and documents, namely sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; Downloadable mobile application software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, and real estate insights, advice, articles, videos, resources; Downloadable mobile application software for use in connection with data, image, and document storage, data, image, and document management, data, image, and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement Real property information services, namely, providing a database on a global computer network with information on real property taxes; Providing a database on a global computer network featuring real property tax information; real estate marketing services, namely, providing a database on a global computer network featuring aerial photographs and real-time geospatial data of real property that provide a view of properties and their surroundings; Providing on-line information on a global computer network concerning real estate prices and values of real estate; Real estate marketing services, namely, providing on-line information on a global computer network in the field of real estate featuring photography, videography, interactive floor plans, virtual staging, three dimensional images; Developing print, direct mail and digital marketing strategies in the field of real estate; real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring information in the field of property lead and prospect target identification based on geography, property values and open house data; real estate and mortgage lender marketing services, namely, providing a database on a global computer network featuring information in the field of real estate customer identification and engagement data; Providing a database on a global computer network in the field of business risk assessment featuring information in the field of probabilistic severity and frequency modeling using information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes; provision of databases featuring property tax data; business services, namely, providing computer databases regarding the management and automation property tax data; providing online computer databases featuring property tax data Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size, property liens and location data; providing online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for examination and valuation of real estate; providing online computer database for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage information, loan recording information and lender market share information and digitized images of real property and maps; providing an on-line computer database in the field of real estate accessible through search and data retrieval software featuring real property information from multiple real estate listing sources; providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting; real estate services, namely, providing real estate information from multiple listing services; providing valuation reports of residential real estate properties through a global computer network; providing on-line information on a global computer network in the field of real estate contract appraisal and real estate appraisal management; providing an online interactive computer database providing data and information for use in collecting, maintaining, and providing information about structures and personal and real property, including roofs and roof conditions for use in insurance claims processing by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; Providing an online interactive computer database providing data and information for insurance claims processing for use by lenders and insurers in connection with real property valuation before and after the occurrence of natural disasters; Providing an online interactive computer database featuring data for use in evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios for insurance claims processing purposes; providing an online interactive computer database for use in the issuance of appraisal and valuation reports for real property impacted by natural disasters; Providing an online interactive computer database featuring real property information services for insurance claims processing purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data; Providing an online interactive computer database featuring statistics compiled via machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; Providing an online service interactive computer database for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; Providing an online interactive computer database for use in providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; Providing an online interactive computer database for use in providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; Providing an online interactive computer database providing information and data compiled via the research and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events for insurance claims processing purposes; Providing an online interactive computer database providing appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; provision of databases featuring mortgage data; business services, namely, providing computer databases regarding the management and automation of mortgage data; providing online computer databases featuring mortgage data; Providing a database on a global computer network featuring information in the field of real estate and real property, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather and climate conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; Real property information services, namely, providing a database on a global computer network with information on real property crime risks Providing temporary use of online, non-downloadable software for data analytics; Platform as a service (PAAS) services featuring computer software for data analytics; Platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, processing data queries, data visualization, and data analytics; Platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; Online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing temporary use of non-downloadable software in the real estate field for appraisal and valuation reports; Providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; Software as a service (SAAS) services featuring software for documenting and facilitating property inspections, in the fields of property construction and repair; Software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; Providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; Software as a service (SAAS) providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; Providing software as a service (SAAS) services and platform as a service (PAAS) services, namely, an online, non- downloadable software platform for use by real estate professionals in managing communication and relationships within the real estate workflow; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; Software as a service providing temporary use of on-line non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; Software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; Software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; Software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; Cloud computing featuring software for use in database management and document production for real estate professionals; Providing temporary use of non-downloadable computer software for browsing and accessing digital content and computer software programs; providing temporary use of a non- downloadable web-based software platform that scans and analyzes aerial images of real estate properties via artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of a non-downloadable computer software platform and non-downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, and real estate insights, advice, articles, videos, resources, and referrals; providing temporary use of a non-downloadable computer software platform and non- downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; Providing temporary use of non-downloadable software providing consumers with information about real estate service providers; Software as a service providing temporary use of on-line non-downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; Computer services in the nature of providing temporary use of online software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in automation of mortgage and property data; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Providing temporary use of non- downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers

Abstract

An improved parcel growth prediction system that uses parcel data, population data, and artificial intelligence to predict the growth of a geographic area at a micro level (e.g., a real estate parcel level) is described herein. For example, the improved parcel growth prediction system may generate a graph model and apply the graph model as an input to an artificial intelligence model to predict the likelihood that a particular parcel may be developed some time in the future. Ultimately, implementing the improved parcel growth prediction system described herein may lead to more precise placements of infrastructure projects and/or to infrastructure projects that more precisely support the needs of the population of a geographic area as time passes.

IPC Classes  ?

• G06Q 50/16 - Real estate

Abstract

An improved computing system can use mobility data corresponding to a particular mobile device to identify one or more geographic locations to which the mobile device traveled within a certain period of time. The computing system can use parcel data to identify parcels that are located at any one of the identified geographic locations. The computing system can further use the parcel data to identify a subset of the identified parcels that are listed for sale or rent. If the computing system identifies at least one parcel that the mobile device visited that is available on the market, this may indicate that the user who operates the mobile device may be shopping for a home. In response, the computing system can update information about the user to indicate that the user may be shopping for a home.

IPC Classes  ?

• G06Q 30/0251 - Targeted advertisements
• G06Q 50/16 - Real estate

Abstract

An improved computing system can use mobility data corresponding to a particular mobile device to identify one or more geographic locations to which the mobile device traveled within a certain period of time. The computing system can use parcel data to identify parcels that are located at any one of the identified geographic locations. The computing system can further use the parcel data to identify a subset of the identified parcels that are listed for sale or rent. If the computing system identifies at least one parcel that the mobile device visited that is available on the market, this may indicate that the user who operates the mobile device may be shopping for a home. In response, the computing system can update information about the user to indicate that the user may be shopping for a home.

IPC Classes  ?

• G06Q 30/0204 - Market segmentation
• G06Q 50/16 - Real estate
• H04W 4/029 - Location-based management or tracking services

Goods & Services

Downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement. Financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses. Providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair.

Goods & Services

Collection and compilation of information into computer databases in the field of property tax data; Provision of databases featuring statistical information and indexes property tax data for others; Business services, namely, providing computer databases regarding the management and automation of property tax data, namely provision of databases featuring statistical information and indexes of property tax data for others; Providing online computer databases featuring statistical information and indexes of property tax data Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers

Goods & Services

Collection and compilation of information into computer databases in the field of mortgage and property tax data; Provision of databases featuring statistical information and indexes of mortgages and property tax data for others; Business services, namely, providing computer databases regarding the management and automation of mortgage and property tax data, namely provision of databases featuring statistical information and indexes of mortgages and property tax data for others; Providing online computer databases featuring statistical information and indexes of mortgages and property tax data; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers

Goods & Services

Collection and compilation of information into computer databases in the field of mortgage and property tax data; Provision of databases featuring statistical information and indexes of mortgages and property tax data for others; Business services, namely, providing computer databases regarding the management and automation of mortgage and property tax data, namely provision of databases featuring statistical information and indexes of mortgages and property tax data for others; Providing online computer databases featuring statistical information and indexes of mortgages and property tax data Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers

Goods & Services

downloadable and mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers, for on-line pre-qualifications, credit and mortgage loan risk management, automated underwriting, and real-time lock and pricing and fee information; Downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking mortgage loans and loan pre- approvals; downloadable software and mobile applications for assessing and managing loan risk and collecting data analytics for mortgage loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the mortgage loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining mortgage loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, mortgage loan rates, and mortgage loan information delivering loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding mortgage loans, mortgage loan portfolios and lines of credit; collection and compilation of information into computer databases in the field of mortgage and property tax data; Provision of databases featuring mortgage and property tax data; Business services, namely, providing computer databases regarding the management and automation of mortgage and property tax data; Providing online computer databases featuring mortgage and property tax data financial services, namely, assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; real property information services, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, mortgage loan recording information and lender market share information; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on mortgage loans, loan portfolios and lines of credit; credit and financial consultation, and evaluation services; Compilation and analysis of statistics, proprietary data and other sources of information about structures, personal property and real property for use by property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; Interactive computer database, namely, for calculating and estimating property valuations for the assessment, lending and property valuation industry; Data as a service (DAAS) services featuring data for use in property risk analytics in the nature of providing data based risk valuation services Platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; Platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; Data as a service (DAAS) services featuring software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online non- downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services in the nature of data automation and data collection services using proprietary software to evaluate, analyze, collect and disseminate data; Online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non- downloadable software for use in valuation of real estate; providing temporary use of non- downloadable software in the real estate field for appraisal and valuation reports; Software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre-approvals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web- based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; quality control in the field of financial analysis

Goods & Services

downloadable and mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers, for on-line pre-qualifications, credit and mortgage loan risk management, automated underwriting, and real-time lock and pricing and fee information; Downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking mortgage loans and loan pre- approvals; downloadable software and mobile applications for assessing and managing loan risk and collecting data analytics for mortgage loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the mortgage loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining mortgage loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, mortgage loan rates, and mortgage loan information delivering loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding mortgage loans, mortgage loan portfolios and lines of credit; collection and compilation of information into computer databases in the field of mortgage and property tax data; Provision of databases featuring mortgage and property tax data; Business services, namely, providing computer databases regarding the management and automation of mortgage and property tax data; Providing online computer databases featuring mortgage and property tax data financial services, namely, assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for grading and assessing risk of loans and providing automated fiscal valuations and assessments of mortgage lending and investing; real property information services, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, mortgage loan recording information and lender market share information; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on mortgage loans, loan portfolios and lines of credit; credit and financial consultation, and evaluation services; Compilation and analysis of statistics, proprietary data and other sources of information about structures, personal property and real property for use by property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; Interactive computer database, namely, for calculating and estimating property valuations for the assessment, lending and property valuation industry; Data as a service (DAAS) services featuring data for use in property risk analytics in the nature of providing data based risk valuation services Platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; Platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; Data as a service (DAAS) services featuring software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online nondownloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services in the nature of data automation and data collection services using proprietary software to evaluate, analyze, collect and disseminate data; Online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online non-downloadable software for use by lenders in the analysis, validation and verification of data; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line nondownloadable software for use in valuation of real estate; providing temporary use of nondownloadable software in the real estate field for appraisal and valuation reports; Software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre-approvals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Application service provider featuring application programming interface (API) software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of property tax data and historical property tax data, active mortgage and tax payment details for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, accessing, analysis, evaluation and transmission of active mortgage and property tax payment details, and calculations and estimations of future due dates and tax amounts due, for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax taxing agencies, tax year data, tax installment payments, economic loss dates, payment history, tax amounts due, and real-time payment status for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in the collection, searching, storage, access, analysis, evaluation and transmission of information relating to property tax customer service inquiries, tax payment dispute resolution and resolution status, and customer satisfaction updates for use by mortgage lenders and borrowers; Providing temporary use of non-downloadable web-based software for use in automation of mortgage and property data and the automating of the mortgage lending process for use by mortgage lenders and borrowers; quality control in the field of financial analysis

Abstract

Systems and methods for property valuation using automated valuation models are described herein, which involve a complex series of workflows for data processing, automated valuation modeling, and error detection—each of which are capable of leveraging machine learning algorithms/techniques and can be combined and operated together in a specific manner in order to improve data availability and data quality, improve the accuracy of generated property value estimates, improve the performance of the models over time, and allow the property value estimation to be adapted to various use cases. Estimation of property value may involve an ensemble model which reconciles the outputs of different sub-models based on a use case, with the sub-models using different approaches that have their own strengths and weaknesses.

IPC Classes  ?

• G06F 16/00 - Information retrievalDatabase structures thereforFile system structures therefor
• G06F 16/21 - Design, administration or maintenance of databases
• G06F 16/25 - Integrating or interfacing systems involving database management systems
• G06N 20/20 - Ensemble learning
• G06Q 50/16 - Real estate

Goods & Services

(1) Providing business statistical analysis and reporting services in the field of property and casualty insurance, namely, providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes.

Goods & Services

downloadable mobile application software for managing mortgage loan applications, for enabling lenders to manage applications and profiles by brokers and sellers, for on-line pre- qualifications, credit and loan risk management, automated underwriting, and real-time lock and pricing and fee information, and user guides provided therewith; downloadable mobile application software for task management, advertising management, referral management, showing management, lead management, inventory management and appointment management and scheduling; downloadable mobile application software for using and managing multiple listing service data in the field of real estate; downloadable mobile application software for sales reporting, financial reporting, commission structure reporting, agent accountability reporting, franchise reporting and loan payment schedules; Downloadable software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan pre- approvals; downloadable software mobile applications for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; downloadable computer software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; downloadable computer software for enabling borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; Downloadable software in the nature of a mobile application for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; downloadable mobile application software for contractors to access, capture and process property and job scope information and details; downloadable enterprise software for use in providing data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties; mobile application software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and settlement estimates and storing data created in connection with the foregoing, in the field of property insurance claim settlement; downloadable software for use by insurance carriers and agents to access, capture and process property loss information and details; Downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; Downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; Downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement; all of the foregoing performed through the use of artificial intelligence or machine learning Real property information services, namely, providing a database on a global computer network with information on real property taxes; real and commercial property taxation planning tax advice, information, and consultation services; Property tax consulting services; Providing a database featuring real property tax information; real estate marketing services, namely, providing a database on a global computer network with aerial photographs of real property that provide a view of properties and their surroundings; business inquiry, investigation, evaluation, appraisal, information, and research services; delivering loan leads to lenders; business and account auditing, namely, auditing loans, loan portfolios and lines of credit; computerized database management for data regarding loans, loan portfolios and lines of credit; business management services, namely, managing real estate appraisal services for third party vendors; real estate research services, namely, demographic consultation and studies of properties, residences, residents, homes and residents of the houses; real estate research services in the field of demographics consultation for properties, residences, residents, homes and residents of the houses; electronic compilation of electronically tagged data, namely, the creation and assignment of unique data identifiers for the identification and categorization of real estate and real property, all in the nature of services consisting of the registration, collection, transcription, compilation and systemization of data; systemization of electronically tagged data bearing unique data identifiers; handling and processing of electronically tagged data, namely, the assignment of unique data identifiers for use in the identification and categorization of real estate and real property in the nature of data processing services; Real estate marketing services featuring photography, videography, interactive floor plans, virtual staging, three dimensional imaging, print, and direct mail; Providing a website for connecting consumers and qualified service providers in the field of real property and real estate; real property information services, namely, providing probabilistic severity and frequency model information and data for business purposes relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location; Real estate research services, namely, the analysis and compilation of real-time information for business purposes about value and conditions of real property impacted by natural disasters; Real property information services for business purposes, namely, providing an online non-downloadable database on a global computer network on real property characteristics, namely, reconstruction value and location data Real property information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size and location data; financial services, namely, assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer databases for assessment and management of loan risk and fraud in the fields of mortgage lending and investing; providing online computer database for examination and valuation of real estate; providing online computer database for grading and assessing risk of loans; and providing automated fiscal valuations and assessments of mortgage lending and investing; real property information services, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information; providing an on-line electronic database on global computer networks in the field of real property information, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information and lender market share information and digitized images of real property and maps; providing an on-line computer database in the field of real estate through search and data retrieval software for accessing and downloading real property information from multiple data sources; financial analysis and consultation services, namely, reviewing, analyzing, evaluating, providing due diligence, underwriting, and reporting on loans, loan portfolios and lines of credit; credit and financial consultation, and evaluation; providing a searchable database of real estate, mortgage and loan information for use in title insurance underwriting; real estate services, namely, multiple listing services accessible over the Internet; providing valuation reports of residential real estate properties, and allowing a user to order valuation reports and check order status, all through a global computer network; providing on-line information in the field of real estate contract appraisal and real estate appraisal management services, namely, providing status and appraisal ordering; insurance services, namely, collecting, maintaining, and providing information about structures and personal and real property, including roofs and roof conditions for use by the insurance industry, property owners, property buyers, lenders, appraisers, and governmental entities; Data tracking services, namely, collecting, compiling and analysis of real property valuation data for financial purposes occurring before and after the occurrence of natural disasters; Real property information services, namely, providing real time data to lenders and insurers on real property valuation before and after the occurrence of natural disasters; Real property information services, namely, analysis and provision of information about value and conditions of real property impacted by natural disasters; Real estate data services, namely, evaluating the impact of natural disasters on the value of lenders and insurers real property portfolios; Data aggregation services in the real estate field for appraisal and valuation reports for real property impacted by natural disasters; Compilation and analysis of statistics through machine learning, proprietary data and other sources of information about structures, personal property and real property for use by the insurance industry, property owners, property buyers, lenders, appraisers and governmental entities for financial purposes, namely, real estate appraisal, mortgage lending, mortgage brokering and mortgage loan underwriting purposes; : Interactive computer database, namely, for calculating and estimating property valuations for the insurance, appraisal, assessment, lending and property valuation industry; Financial real property information services, namely, providing and analyzing information and data to determine the financial impact to the evaluation of real property caused by weather, natural disasters, and other catastrophic events; Financial real property information services, namely, providing and analyzing information and data about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; real property research services, namely, researching, compilation, and analysis of information about value, conditions, and damage to real property impacted by natural disasters and other catastrophic events; Financial data tracking services, namely, collecting, tracking, compiling and analysis of financial information about value, conditions, and damage to real property to determine the financial impact to the evaluation of real property caused by natural disasters and other catastrophic events; Financial data tracking services, namely, tracking and monitoring real time financial information relating to natural disasters and catastrophic events; Financial data aggregation services for appraisal and valuation reports for real property impacted by natural disasters and other catastrophic events; tax payment processing and analysis services; Providing on-line information in the field of real estate concerning prices and values of real estate, namely providing real estate appraisal information; Electronic storage for others of real property data, namely, ownership and property information and data on comparables, maps, valuation and pricing data, mortgage marketing, loan recording information, lender marketing, loan recording information, lender market share information and maps; Streaming of data, information and reports on crime occurrence material on the Internet; Streaming of data, information and reports on security assessment and recommendation on crime risk, physical locations, information systems, and working environments using predictive statistics on the Internet; Streaming of data, information and reports on crime trends, security and crime risk, thematic maps, incident reports, and analysis for a particular location to third parties on the Internet Providing temporary use of online, non-downloadable software for data analytics and providing an online data analytics platform; Platform as a service (PAAS) services featuring computer software platforms for use in data management, data integration, data warehousing, data mining, data processing, data sharing, data collection, data interpretation, data queries, data visualization, and data analytics; Platform as a service (PAAS) services featuring software platforms for data collection, extraction, storage, transformation, loading and writing, display, querying, analysis, reporting, and business intelligence analysis; Data as a service (DAAS) services featuring software for use in data based property risk analytics; data as a service (DaaS) services, namely, providing online non-downloadable software for use in the collection and analysis of real estate and real property data and information; providing data as a service (DaaS) services in the nature of data automation and data collection services using proprietary software, machine learning and artificial intelligence to evaluate, analyze, collect and disseminate data; Online services, namely, providing online non-downloadable software for use in assessment, grading and management of loan risk and fraud in the fields of mortgage lending and investing; providing online nondownloadable software for use by lenders in the analysis, validation and verification of data; providing on-line non-downloadable software for use in valuation of real estate owned (REO) real property; providing online non-downloadable computer software that evaluates data of loan agents, borrowers, and real estate public data; providing on-line non-downloadable software for use in valuation of real estate; providing use of on-line non-downloadable software for use in managing multiple listing service data in the field of real estate; providing use of online nondownloadable software for use in monitoring, securing, managing compliance with multiple listing service (MLS) data in the field of real estate; providing temporary use of nondownloadable software in the real estate field for appraisal and valuation reports; Providing temporary use of on-line non-downloadable software and applications for the viewing of real property images and the visual assessment and evaluation of insurance risk potential associated with the real property; Software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating application of insurance carrier guidelines to property inspection data, automating insurance claim scope decisions and repair estimates, generating inspection reports and insurance claim settlement estimates and storing data created in connection with the foregoing, in the fields of property insurance claim settlement and property construction and repair; Software as a service (SAAS) services featuring software for insurance carriers, agents and contractors to access, capture and process property loss information and details; Providing temporary use of on-line non-downloadable software for review of automated real estate property appraisals according to governmental and professional standards; Software as a service providing temporary use of on-line non-downloadable software and applications for collecting, maintaining, and providing property valuation information, financial valuation information, insurance risk information, and risk assessment information about structures and personal and real property, including roofs, including enabling the user to download the data output; Providing software as a service (SAAS) services and platform as a service (PAAS) services, namely, an online, non-downloadable software platform for use by real estate professionals, such as real estate appraisers, lenders, and mortgage brokers, for managing various aspects of the real estate workflow, including placing and receiving real estate transaction orders, order tracking, billing, managing communication and relationships, said software platform containing configurable and customizable tools for automating the tasks required for parties to initiate and complete real estate transactions; Providing temporary use of a non-downloadable web application featuring real-time tracking of residential home repair progress and residential property insurance claims, and communication between homeowners and residential home repair contractors, repair technicians, and contractor networks for the purpose of providing documentation and photos, location tracking data, and home repair project specifications and updates; all of the foregoing in the field of residential property restoration and residential property repairs; Providing temporary use of on-line non-downloadable computer software featuring an interactive interface for receiving consumer preference information and providing information about real estate, mortgages, moving services, home services, title services and insurance; providing software as a service (SAAS) services and platform as a service (PAAS) services featuring software and computer software platforms for importing, collecting, aggregating, interpreting, sorting, storing, disseminating and validating data for use in real estate appraisal and real estate valuation reports; Software as a service providing temporary use of online non-downloadable software and applications to enable an end user to research, search, and access weather hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; Software as a service (SAAS) services featuring software for use in evaluating, understanding, researching, applying for, processing, obtaining, and tracking loans and loan preapprovals; software as a service (SAAS) services featuring software for assessing and managing loan risk and collecting data analytics for loan processing, approval and compliance; software as a service (SAAS) services featuring software that facilitates collaborating and communicating between borrowers and lenders and others involved in the loan process, sharing of documents and information between borrowers and lenders and others involved in the loan process, and storing data, documents and records for applying for, pre-approving, underwriting, processing, and obtaining loans; software as a service (SAAS) services featuring software that enables borrowers to obtain personal financial information, credit reports, loan pricing, loan rates, and loan information; Software as a service (SAAS) services featuring software used by insurance professionals to generate property and casualty insurance appraisal reports; Software as a service (SAAS) services featuring software for documenting and facilitating property inspections, automating job scope decisions, generating inspection reports, job estimates and work orders and storing data created in connection with the foregoing, in the field of property construction and repair; Software as a service (SAAS) services featuring software for contractors to access, capture and process property and job scope information and details; Cloud computing featuring software for use in database management and document production for real estate professionals; Providing temporary use of non-downloadable computer software for browsing and accessing digital content and computer software programs; providing a web-based software platform that scans and analyzes aerial images of real estate properties via artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of a non-downloadable computer software platform, nondownloadable mobile application software and a web site for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; Providing temporary use of non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; Authentication of user identity for real estate associations and multiple listing services; Computer security services, namely, restricting unauthorized user access to data, applications and computer networks for real estate associations and multiple listing services; Weather data tracking services, namely, tracking and monitoring weather information relating to natural disasters and catastrophic events; Software as a service providing temporary use of on-line nondownloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; Calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation; Computer services in the nature of providing temporary use of online software for calculating real estate closing-related taxes and recording fees, as well as obtaining other information related thereto, in the field of real estate closing-related taxes and recording fees; all of the foregoing performed through the use of artificial intelligence or machine learning; Data as a service (DAAS) services featuring software for use in data based property risk analytics; Providing a website featuring technology that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allow realtors to send curated digital home listings to home buyer consumers, and engage digitally with realtors throughout the home buying and selling transaction; Fraud detection services being computer security services for protecting data and information from unauthorized access in the field of misrepresentation of property values in the real estate mortgage lending industry; providing a database of information in the field of computer security services for protecting data and information from unauthorized access as it relates to property values in the real estate mortgage lending industry monitoring and reporting services for secured real property, namely, locating and providing information related to public record activities on real estate, namely, monitoring and reporting public document filings relating to secured loans for real property

Goods & Services

(1) Downloadable mobile application software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; downloadable mobile application software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; downloadable mobile application software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement. (1) Financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; financial services, namely, real estate and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses. (2) Providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; providing temporary use of a non-downloadable computer software platform, non-downloadable mobile application software and a web site for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair.

Abstract

A damage prediction system that uses hazard data and/or aerial images to predict future damage and/or estimate existing damage to a structure is described herein. For example, the damage prediction system may use forecasted hazard data to predict future damage or use actual hazard data to estimate existing damage. The damage prediction system may obtain hazard data in which structures were or will be impacted by a hazard. The damage prediction system can then generate a flight plan that causes an aerial vehicle to fly over the impacted parcels and capture images. The damage prediction system can use artificial intelligence to process the images for the purpose of identifying potential damage. The damage prediction system can also use a hazard model, the hazard data, and structure characteristics to generate a damage score. The damage prediction system can then use the processed images and/or damage score to generate a virtual claim.

IPC Classes  ?

• G06Q 40/08 - Insurance
• G06F 18/28 - Determining representative reference patterns, e.g. by averaging or distortingGenerating dictionaries
• G06N 20/00 - Machine learning
• G06V 20/10 - Terrestrial scenes
• H04N 7/18 - Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Abstract

Systems and methods for property valuation using automated valuation models are described herein, which involve a complex series of workflows for data processing, automated valuation modeling, and error detection—each of which are capable of leveraging machine learning algorithms/techniques and can be combined and operated together in a specific manner in order to improve data availability and data quality, improve the accuracy of generated property value estimates, improve the performance of the models over time, and allow the property value estimation to be adapted to various use cases. Estimation of property value may involve an ensemble model which reconciles the outputs of different sub-models based on a use case, with the sub-models using different approaches that have their own strengths and weaknesses.

IPC Classes  ?

• G06F 16/00 - Information retrievalDatabase structures thereforFile system structures therefor
• G06F 16/25 - Integrating or interfacing systems involving database management systems
• G06N 20/20 - Ensemble learning
• G06Q 50/16 - Real estate
• G06F 16/21 - Design, administration or maintenance of databases

Abstract

A system that can generate unique identifiers for individual real estate parcels and/or individual structure(s) located on individual real estate parcels using geometric land and/or building information is described. For example, the system can obtain geographical coordinate information and/or topological information that defines a two-dimensional or three-dimensional boundary of a parcel. The system can then determine and assign a unique identifier to the parcel, where the unique identifier is based on the two-dimensional or three-dimensional boundary. As another example, the system can obtain geographical coordinate information and/or structure architectural plans that define a two-dimensional or three-dimensional boundary of a structure. The system can then determine and assign a unique identifier to the structure, where the unique identifier is based on the two-dimensional or three-dimensional boundary of the structure.

IPC Classes  ?

• G06F 16/29 - Geographical information databases
• G06F 16/909 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using geographical or spatial information, e.g. location

Abstract

A system that can generate unique identifiers for individual real estate parcels and/or individual structure(s) located on individual real estate parcels using geometric land and/or building information is described. For example, the system can obtain geographical coordinate information and/or topological information that defines a two-dimensional or three-dimensional boundary of a parcel. The system can then determine and assign a unique identifier to the parcel, where the unique identifier is based on the two-dimensional or three-dimensional boundary. As another example, the system can obtain geographical coordinate information and/or structure architectural plans that define a two-dimensional or three-dimensional boundary of a structure. The system can then determine and assign a unique identifier to the structure, where the unique identifier is based on the two-dimensional or three-dimensional boundary of the structure.

IPC Classes  ?

• G06Q 50/16 - Real estate

Goods & Services

Business intermediation services, namely connecting consumers and qualified service providers in the field of real property and real estate, via a website. Real estate broker services to enable consumers to view and interact with digital real estate listings populated on multiple listing service platforms, to allow realtors to send curated digital home listings to home buyer consumers, and engage digitally with realtors throughout the home buying and selling transaction, via a website. Providing temporary use of non-downloadable software providing consumers with information about home listings, insight about properties and location, and connecting the consumer with professionals to enable home buying, selling, renovation transactions; providing temporary use of non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; providing temporary use of online non-downloadable computer software that enables consumers to view and interact with digital real estate listings populated on multiple listing service platforms, allow realtors to send curated digital home listings to home buyer consumers, and engage digitally with realtors throughout the home buying and selling transaction.

Goods & Services

Providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes

Abstract

A data linking system is described herein that links data records corresponding to a particular real estate property even if there are inconsistencies in the data records, the physical presence of the real estate property has changed over time, and/or the data records use different terminology. In some cases the data records are matched using a trained machine learning model. The data linking system can optionally generate a visualization of the data record linkage via interactive user interfaces. By linking data records despite the issues described above, the data linking system reduces the number of navigational steps a user performs to obtain data associated with a property and/or reduces data processing times. The disclosed system may be used to generate and maintain a comprehensive database of substantially all properties within a jurisdiction, in which a unique identifier is assigned to each property.

IPC Classes  ?

• G06Q 50/16 - Real estate
• G06F 16/901 - IndexingData structures thereforStorage structures

Goods & Services

Providing probabilistic severity and frequency model information and data relating to multiple measurements of risk across multiple weather conditions, time frames, and perils for hurricanes, floods, earthquakes, wildfires, and storms for a real estate parcel, structure, address, land area, or geospatial location for analyzing the aforementioned statistics, data and other sources of information for business purposes

Goods & Services

Compilation and systemization of information relating to natural hazards into computer databases; organizational and professional business consultancy in the field of natural hazards; financial record-keeping for regulatory compliance purposes compliance consulting, namely, providing financial consulting and information relating to loan review, and loan compliance pertaining to natural hazard risk; providing loan review services in the nature of financial risk management; Insurance services, namely, insurance premium calculation in the field of natural hazards; Insurance services, namely, financial risk assessment services for commercial and residential building structures, personal property and real property; Insurance services, namely, personal property valuation and real estate valuations for insurance underwriting and replacement cost use; Financial analysis, namely, compiling and analyzing statistics, data and other sources of information about natural hazard risk posed to commercial and residential building structures, personal property and real property; Financial risk assessment services in the field of natural hazards; Insurance information and consultancy concerning property insurance and financial risk assessment; real estate information services, namely, evaluation and rating the financial effect on real estate caused by the natural hazard status of property; real property financial information services, namely, providing a database on a global computer network on real property characteristics, namely, pricing, parcel size, location and natural hazard data for insurance risk assessment purposes; providing real property insurance risk assessment-related information services to others, namely, providing insurance data utilizing geographic, real property tax and municipal, and natural hazard information for use in risk assessment and analysis Software as a service providing temporary use of on-line non downloadable software and applications to enable a user to research, search, and access natural hazard events affecting real property and download data output for use in connection with identifying, pursuing, and completing potential repair and replacement opportunities; Calculating and simulating water flow, modeling of areas likely to be inundated, and preparing related reports and technical documentation

Goods & Services

Financial valuation of real estate for others; financial research and equity research services for real estate owners and professionals; Financial services, namely, real estate and mortgage analysis featuring estimates of local lending rates for mortgages, property valuation, loan amortization, investment, and price analyses providing temporary use of an online non-downloadable computer software platform for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of non-downloadable software for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing a website for use in providing real property sellers and buyers with real property market, trends, agent, sale, listing, location, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, utilities, and décor information, insights, advice, articles, videos, resources, and referrals; providing temporary use of an online nondownloadable computer software platform for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; providing temporary use of non-downloadable software for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; providing a website for use in connecting real property sellers and buyers with real property agent, sale, listing, purchase, inspection, financing, insurance, moving, repair, renovation, improvement, and décor service providers; providing temporary use of an online non-downloadable computer software platform for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing temporary use of nondownloadable software for use in connection with data and document storage, data and document management, data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair; providing a web site to enable electronic data and document storage, electronic data and document management, electronic data and document access, data processing, and visualization of data in the fields of real estate, home ownership and home improvement and repair

Goods & Services

providing a web-based software platform that scans and analyzes aerial images of real estate properties via artificial intelligence for the assessment of exterior and interior property risk attributes, hazards, and conditions for use in connection with insurance underwriting

Goods & Services

(1) Business intermediation services, namely connecting consumers and qualified service providers in the field of real property and real estate, via a website. (2) Real estate broker services to enable consumers to view and interact with digital real estate listings populated on real estate listing service platforms, to allow real estate agents to send curated digital home listings to home buyer consumers, and engage digitally with real estate agents throughout the home buying and selling transaction, via a website (3) Providing temporary use of non-downloadable software providing consumers with information about home listings, insight about properties and location, and connecting the consumer with professionals to enable home buying, selling, renovation transactions; providing temporary use of non-downloadable software providing consumers with information about real estate service providers and for use in connecting service providers and consumers through referrals; providing temporary use of online non-downloadable computer software that enables consumers to view and interact with digital real estate listings populated on real estate listing service platforms, allow real estate agents to send curated digital home listings to home buyer consumers, and engage digitally with real estate agents throughout the home buying and selling transaction

Abstract

A damage prediction system that uses hazard data and/or aerial images to predict future damage and/or estimate existing damage to a structure is described herein. For example, the damage prediction system may use forecasted hazard data to predict future damage or use actual hazard data to estimate existing damage. The damage prediction system may obtain hazard data in which structures were or will be impacted by a hazard. The damage prediction system can then generate a flight plan that causes an aerial vehicle to fly over the impacted parcels and capture images. The damage prediction system can use artificial intelligence to process the images for the purpose of identifying potential damage. The damage prediction system can also use a hazard model, the hazard data, and structure characteristics to generate a damage score. The damage prediction system can then use the processed images and/or damage score to generate a virtual claim.

IPC Classes  ?

• G06Q 40/08 - Insurance
• G06N 20/00 - Machine learning
• H04N 7/18 - Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
• G06V 20/10 - Terrestrial scenes
• G06F 18/28 - Determining representative reference patterns, e.g. by averaging or distortingGenerating dictionaries

Goods & Services

Educational services, namely, organization of conferences in the field of property technology and data analytics for use in connection with property insurance risk management, underwriting, claims, and restoration