WO2004099946A3 - System and process for a fusion classification for insurance underwriting suitable for use byan automated system - Google Patents

System and process for a fusion classification for insurance underwriting suitable for use byan automated system Download PDF

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Publication number
WO2004099946A3
WO2004099946A3 PCT/US2004/009978 US2004009978W WO2004099946A3 WO 2004099946 A3 WO2004099946 A3 WO 2004099946A3 US 2004009978 W US2004009978 W US 2004009978W WO 2004099946 A3 WO2004099946 A3 WO 2004099946A3
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Prior art keywords
classifier
classifiers
fusion
confidence
reliability
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PCT/US2004/009978
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French (fr)
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WO2004099946A2 (en
Inventor
Piero Patrone Bonissone
Kareem Sherif Aggour
Rajesh Venkat Subbu
Weizhong Yan
Naresh Sundaram Iyer
Anindya Chakraborty
Original Assignee
Ge Financial Assurance Holding
Piero Patrone Bonissone
Kareem Sherif Aggour
Rajesh Venkat Subbu
Weizhong Yan
Naresh Sundaram Iyer
Anindya Chakraborty
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Application filed by Ge Financial Assurance Holding, Piero Patrone Bonissone, Kareem Sherif Aggour, Rajesh Venkat Subbu, Weizhong Yan, Naresh Sundaram Iyer, Anindya Chakraborty filed Critical Ge Financial Assurance Holding
Publication of WO2004099946A2 publication Critical patent/WO2004099946A2/en
Publication of WO2004099946A3 publication Critical patent/WO2004099946A3/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A method and system for fusing a collection of classifiers used for an automated insurance underwriting system and/or its quality assurance is described. Specifically, the outputs of a collection of classifiers are fused (130). The fusion of the data will typically result in some amount of consensus and some amount of conflict among the classifiers. The consensus will be measured and used to estimate a degree of confidence in the fused decisions. Based on the decision (135) ahd degree of confidence (140) of the fusion and the decision (147) and degree of confidence (149) of the production decision engine, a comparison module may then be used to identify cases for audit (160), cases for augmenting the training/test sets for re-tuning production decision engine (170), cases for review (165), or may simply trigger a record of its occurrence for tracking purposes. The fusion can compensate for the potential correlation among the classifiers. The reliability of each classifier can be represented by a static or dynamic discounting factor, which will reflect the expected accuracy of the classifier. A static discounting factor is used to represent a prior expectation about the classifier's reliability, e.g., it might be based on the average past accuracy of the model, while a dynamic discounting is used to represent a conditional assessment of the classifier's reliability, e.g., whenever a classifier bases its output on an insufficient number of points it is not reliable.
PCT/US2004/009978 2003-04-30 2004-04-01 System and process for a fusion classification for insurance underwriting suitable for use byan automated system WO2004099946A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/425,721 2003-04-30
US10/425,721 US7383239B2 (en) 2003-04-30 2003-04-30 System and process for a fusion classification for insurance underwriting suitable for use by an automated system

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WO2004099946A2 WO2004099946A2 (en) 2004-11-18
WO2004099946A3 true WO2004099946A3 (en) 2009-04-02

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WO (1) WO2004099946A2 (en)

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