会员体验
专利管家(专利管理)
工作空间(专利管理)
风险监控(情报监控)
数据分析(专利分析)
侵权分析(诉讼无效)
联系我们
交流群
官方交流:
QQ群: 891211   
微信请扫码    >>>
现在联系顾问~
热词
    • 28. 发明授权
    • System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system
    • 适用于自动化系统使用的保险承保的多变量自适应回归样条分类系统和过程
    • US07813945B2
    • 2010-10-12
    • US10425733
    • 2003-04-30
    • Piero Patrone BonissoneRichard Paul MessmerRajesh Venkat SubbuWeizhong YanAnindya Chakraborty
    • Piero Patrone BonissoneRichard Paul MessmerRajesh Venkat SubbuWeizhong YanAnindya Chakraborty
    • G06Q40/00
    • G06Q40/02G06Q40/08
    • A method and system for automating the decision-making process used in underwriting of insurance applications is described. While this approach is demonstrated for insurance underwriting, it is broadly applicable to diverse decision-making applications in business, commercial, and manufacturing processes. A structured methodology is used based on a multi-model parallel network of multivariate adaptive regression splines (“MARS”) models to identify the relevant set of variables and their parameters, and build a framework capable of providing automated decisions. The parameters of the MARS-based decision system are estimated from a database consisting of a set of applications with reference decisions against each. Cross-validation and development/hold-out combined with re-sampling techniques are used to build a robust set of models that minimize the error between the automated system's decision and the expert human underwriter. Furthermore, this model building methodology can be used periodically to update and maintain the family of models if required to assure currency.
    • 描述了一种自动化用于承保保险应用程序的决策过程的方法和系统。 虽然这种方法在保险承保方面得到证明,但它广泛适用于商业,商业和制造过程中的各种决策应用。 基于多变量自适应回归样条(“MARS”)模型的多模式并行网络,使用一种结构化方法来识别相关的变量及其参数集,并构建能够提供自动化决策的框架。 基于MARS的决策系统的参数是由一组数据库估算出来的,该数据库由一组应用程序组成,具有相应的参考决定。 交叉验证和开发/保留与重新采样技术相结合,用于构建一套强大的模型,以最大限度地减少自动系统决策与专家人类承保人之间的错误。 此外,如果需要确保货币,则可以定期使用此模型构建方法来更新和维护模型系列。