A system and method that varies the terms and conditions of a subsidized loan includes a data collection circuit structured to receive data related to an item of collateral that provides security for a loan; a valuation circuit structured to determine a value for the item of collateral based on the received data and a valuation model; a smart contract circuit structured to create a smart lending contract, wherein the smart lending contract specifies a covenant defining a required value of the item of collateral; and a loan management circuit comprising: a value comparison circuit structured to compare the value of the item and the specified covenant and determine a collateral satisfaction value, an automated agent circuit structured to automatically implement loan related activities in response to the collateral satisfaction value, wherein the loan related activities comprise: issuing a notice of default or a foreclosure action.

A system includes a crowdsourcing request circuit that configures parameter(s) of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan, a crowdsourcing publishing circuit that publishes the crowdsourcing request to a group of information suppliers, and a crowdsourcing communications circuit that collects and processes response(s) from the group of information suppliers, and provides a reward to at least one of the group of information suppliers in response to a successful information supply event.

A system includes a crowdsourcing request circuit that configures parameter(s) of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan, a crowdsourcing publishing circuit that publishes the crowdsourcing request to a group of information suppliers, and a crowdsourcing communications circuit that collects and processes response(s) from the group of information suppliers, and provides a reward to at least one of the group of information suppliers in response to a successful information supply event.

A system for data collection and loan activities is disclosed. The system may include a data collection circuit to receive data relating to a status of a loan and a set of items of collateral acting as security for the loan. The system may further include a blockchain service circuit to maintain a secure historical ledger of events related to the loan, and to interpret a plurality of access control features corresponding to parties associated with the loan. The system may further include a loan evaluation circuit to determine a loan status based on the received data, a smart contract circuit to create a smart lending contract for the loan, and an automated agent circuit to perform a loan action based on the loan status, wherein the blockchain service circuit is further structured to update the secure historical ledger of events with the loan action.

A system for data collection and loan activities is disclosed. The system may include a data collection circuit to receive data relating to a status of a loan and a set of items of collateral acting as security for the loan. The system may further include a blockchain service circuit to maintain a secure historical ledger of events related to the loan, and to interpret a plurality of access control features corresponding to parties associated with the loan. The system may further include a loan evaluation circuit to determine a loan status based on the received data, a smart contract circuit to create a smart lending contract for the loan, and an automated agent circuit to perform a loan action based on the loan status, wherein the blockchain service circuit is further structured to update the secure historical ledger of events with the loan action.

Methods and systems for homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, or proximate to, a property as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.

There is provided an information processing device, an information processing method, an information processing system, and a program which enable presentation a result of behavior modification of the entire group. Information regarding a driving habit of a user of a pay how you drive (PHYD) automobile insurance is acquired as travel risk information. A relative accident occurrence rate is calculated from travel risk information of a user of a pay how you drive (PHYD) automobile insurance and travel risk information of a user of a general automobile insurance. A claim cost of the PHYD automobile insurance is calculated by multiplying a claim cost of the general automobile insurance by a proportion of a total number of policyholders of the PHYD automobile insurance with respect to a total number of policyholders of the general automobile insurance. A reduced claim cost of the PHYD automobile insurance is calculated and presented by multiplying the claim cost of the PHYD automobile insurance by the relative accident occurrence rate. The present disclosure can be applied to a pay how you drive (PHYD) automobile insurance management system.

A system for selection and configuration of an automated robotic process includes a media input module structured to receive at least one functional media, a media analysis module structured to analyze the at least one functional media and identify an action parameter; and a solution selection module structured to select at least one component of an AI solution for use in an automated robotic process, wherein the selection is based, at least in part, on the action parameter.

A system for selection and configuration of an automated robotic process includes a media input module structured to receive at least one functional media, a media analysis module structured to analyze the at least one functional media and identify an action parameter; and a solution selection module structured to select at least one component of an AI solution for use in an automated robotic process, wherein the selection is based, at least in part, on the action parameter.

Methods and systems for predictively generating an insurance claim in response to detecting an imminent insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store a first set of data received from smart devices disposed on, or proximate to, a property. This data may be analyzed to detect that an insurance-related event is imminent and calculate a likelihood that a property owner will file an insurance claim in response to damage caused by the imminent insurance-related event. If there is a sufficient likelihood that an insurance claim will be filed, the smart home controller or remote processor may store a second set of data received from the smart devices. Subsequently, according to certain aspects, the second set of data may be analyzed to prepopulate an automatically generated insurance claim with information detailing damage to the property caused by the insurance-related event.