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1. 发明授权

US07383239B2 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 有权
标题翻译：用于融合分类的系统和过程，适用于自动化系统使用的保险承保
公开(公告)号：US07383239B2
公开(公告)日：2008-06-03
申请号：US10425721
申请日：2003-04-30
申请人： Piero Patrone Bonissone , Kareem Sherif Aggour , Rajesh Venkat Subbu , Weizhong Yan , Naresh Sundaram Iyer , Anindya Chakraborty
发明人： Piero Patrone Bonissone , Kareem Sherif Aggour , Rajesh Venkat Subbu , Weizhong Yan , Naresh Sundaram Iyer , Anindya Chakraborty
IPC分类号： G06F17/00 , G06N5/02
CPC分类号： G06Q40/08 , G06Q40/00
摘要： 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. 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 and degree of confidence of the fusion and the decision and degree of confidence of the production decision engine, a comparison module may then be used to identify cases for audit, cases for augmenting the training/test sets for re-tuning production decision engine, cases for review, 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.
摘要翻译：描述用于融合用于自动保险承保系统的分类器集合和/或其质量保证的方法和系统。具体来说，分类器的集合的输出被融合。数据的融合通常会导致一些共识和分类器之间的一些冲突。共识将被测量并用于估计融合决策的信心程度。根据融合的决定和信心程度以及生产决策引擎的决策和决策程度，然后可以使用比较模块来识别审计案例，增加用于重新调整生产的培训/测试集的案例决策引擎，审查案例，或者可以简单地触发其发生记录以进行跟踪。融合可以补偿分类器之间的潜在相关性。每个分类器的可靠性可以由静态或动态折扣因子表示，这将反映分类器的预期准确性。静态折扣因子用于表示对分类器的可靠性的先前期望，例如，可以基于模型的平均过去精度，而使用动态贴现来表示分类器的可靠性的条件评估，例如，每当分类器的输出基于不可靠的点数不足。

2. 发明授权

US08214314B2 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 有权
标题翻译：用于融合分类的系统和过程，适用于自动化系统使用的保险承保
公开(公告)号：US08214314B2
公开(公告)日：2012-07-03
申请号：US12131545
申请日：2008-06-02
申请人： Piero Patrone Bonissone , Kareem Sherif Aggour , Rajesh Venkat Subbu , Weizhong Yan , Naresh Sundaram Iyer , Anindya Chakraborty
发明人： Piero Patrone Bonissone , Kareem Sherif Aggour , Rajesh Venkat Subbu , Weizhong Yan , Naresh Sundaram Iyer , Anindya Chakraborty
IPC分类号： G06F17/00 , G06N5/02
CPC分类号： G06Q40/08 , G06Q40/00
摘要： 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. 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 and degree of confidence of the fusion and the decision and degree of confidence of the production decision engine, a comparison module may then be used to identify cases for audit, cases for augmenting the training/test sets for re-tuning production decision engine, cases for review, 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.
摘要翻译：描述用于融合用于自动保险承保系统的分类器集合和/或其质量保证的方法和系统。具体来说，分类器的集合的输出被融合。数据的融合通常会导致一些共识和分类器之间的一些冲突。共识将被测量并用于估计融合决策的信心程度。根据融合的决定和信心程度以及生产决策引擎的决策和决策程度，然后可以使用比较模块来识别审计案例，增加用于重新调整生产的培训/测试集的案例决策引擎，审查案例，或者可以简单地触发其发生记录以进行跟踪。融合可以补偿分类器之间的潜在相关性。每个分类器的可靠性可以由静态或动态折扣因子表示，这将反映分类器的预期准确性。静态折扣因子用于表示对分类器的可靠性的先前期望，例如，可以基于模型的平均过去精度，而使用动态贴现来表示分类器的可靠性的条件评估，例如，每当分类器的输出基于不可靠的点数不足。

3. 发明授权

US07895062B2 System for optimization of insurance underwriting suitable for use by an automated system 有权
标题翻译：适用于自动化系统的保险承保优化制度
公开(公告)号：US07895062B2
公开(公告)日：2011-02-22
申请号：US10173039
申请日：2002-06-18
申请人： Piero Patrone Bonissone , Richard Paul Messmer , Angela Neff Patterson , Dan Yang , Marc Pavese , Rajesh Venkat Subbu , Kareem Sherif Aggour
发明人： Piero Patrone Bonissone , Richard Paul Messmer , Angela Neff Patterson , Dan Yang , Marc Pavese , Rajesh Venkat Subbu , Kareem Sherif Aggour
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q10/10 , G06Q40/08 , G06Q50/22
摘要： A robust system for automating the tuning and maintenance of decision-making systems is described. A configurable multi-stage mutation-based evolutionary algorithm optimally tunes the decision thresholds and internal parameters of fuzzy rule-based and case-based systems that decide the risk categories of insurance applications. The tunable parameters have a critical impact on the coverage and accuracy of decision-making, and a reliable method to optimally tune these parameters is critical to the quality of decision-making and maintainability of these systems.
摘要翻译：描述了用于自动化决策系统的调整和维护的强大系统。可配置的基于多阶段突变的进化算法最佳地调整了基于模糊规则和基于案例的系统的决策阈值和内部参数，以决定保险应用的风险类别。可调参数对决策的覆盖面和准确性有重要的影响，而对这些参数进行最佳调优的可靠方法对于这些系统的决策和维护的质量至关重要。

4. 发明授权

US07899688B2 Process for optimization of insurance underwriting suitable for use by an automated system 有权
标题翻译：适用于自动化系统使用的保险承保优化流程
公开(公告)号：US07899688B2
公开(公告)日：2011-03-01
申请号：US10173017
申请日：2002-06-18
申请人： Piero Patrone Bonissone , Richard Paul Messmer , Angela Neff Patterson , Dan Yang , Marc Pavese , Rajesh Venkat Subbu , Kareem Sherif Aggour
发明人： Piero Patrone Bonissone , Richard Paul Messmer , Angela Neff Patterson , Dan Yang , Marc Pavese , Rajesh Venkat Subbu , Kareem Sherif Aggour
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q10/10 , G06Q40/02 , G06Q40/08 , G06Q50/22
摘要： A robust process for automating the tuning and maintenance of decision-making systems is described. A configurable multi-stage mutation-based evolutionary algorithm optimally tunes the decision thresholds and internal parameters of fuzzy rule-based and case-based systems that decide the risk categories of insurance applications. The tunable parameters have a critical impact on the coverage and accuracy of decision-making, and a reliable method to optimally tune these parameters is critical to the quality of decision-making and maintainability of these systems.
摘要翻译：描述了用于自动化决策系统的调整和维护的强大过程。可配置的基于多阶段突变的进化算法最佳地调整了基于模糊规则和基于案例的系统的决策阈值和内部参数，以决定保险应用的风险类别。可调参数对决策的覆盖面和准确性有重要的影响，而对这些参数进行最佳调优的可靠方法对于这些系统的决策和维护的质量至关重要。

5. 发明授权

US07509235B2 Method and system for forecasting reliability of assets 有权
标题翻译：资产可靠性预测方法与系统
公开(公告)号：US07509235B2
公开(公告)日：2009-03-24
申请号：US11216940
申请日：2005-08-31
申请人： Piero Patrone Bonissone , Kareem Sherif Aggour , Anil Varma
发明人： Piero Patrone Bonissone , Kareem Sherif Aggour , Anil Varma
IPC分类号： G06F11/30
CPC分类号： G06Q40/06
摘要： A method and system of forecasting reliability of an asset is provided. The method includes identifying peer units of the asset by using selected criteria, performing a search for the peer units based upon the selected criteria, and constructing local predictive models using the peer units. The method also includes estimating the future behavior of the asset based upon the local predictive models and dynamically updating the local predictive models to reflect at least one change in the criteria.
摘要翻译：提供了一种预测资产可靠性的方法和系统。该方法包括通过使用选择的标准来识别资产的对等单元，基于所选择的标准执行对对等单元的搜索，以及使用对等单元构建本地预测模型。该方法还包括基于本地预测模型估计资产的未来行为，并动态更新本地预测模型以反映标准中的至少一个变化。

6. 发明授权

US06898595B2 Searching and matching a set of query strings used for accessing information in a database directory 失效
标题翻译：搜索和匹配用于访问数据库目录中的信息的一组查询字符串
公开(公告)号：US06898595B2
公开(公告)日：2005-05-24
申请号：US10094894
申请日：2002-03-12
申请人： Barbara Jean Vivier , Kareem Sherif Aggour
发明人： Barbara Jean Vivier , Kareem Sherif Aggour
IPC分类号： G06F7/00 , G06F17/30
CPC分类号： G06Q50/22 , G06F17/30395 , G06F19/00 , G06Q10/10 , G16H40/20 , Y10S707/99936
摘要： Searching and matching a set of query strings used for accessing information in a database directory. In this disclosure, a user community administration tool queries a database directory containing user information associated with a user community. In the user community administration tool, there is an input query generation component that generates an input query having a search pattern that includes a combination of attribute names, logical, operators and attribute values. An accessing component accesses a library of queries used for accessing the user information in the database directory. A partitioning component partitions each of the queries in the library into logical units. Each logical unit comprises a combination of an attribute name, logical operator and attribute value. A comparing component compares the search pattern of the input query to each partitioned logical unit for each of the queries in the library. The comparing component compares the attribute name of the input query to the attribute name in the logical unit, the operator used in the input query to the operator used in the logical unit and the attribute value in the input query to the attribute value in the logical unit. A determining component determines whether there is a match between the input query and any of the logical units associated with each of the queries in the library.
摘要翻译：搜索和匹配用于访问数据库目录中的信息的一组查询字符串。在本公开中，用户社区管理工具查询包含与用户社区相关联的用户信息的数据库目录。在用户社区管理工具中，存在输入查询生成组件，其生成具有包括属性名称，逻辑，运算符和属性值的组合的搜索模式的输入查询。访问组件访问用于访问数据库目录中的用户信息的查询库。分区组件将库中的每个查询分成逻辑单元。每个逻辑单元包括属性名称，逻辑运算符和属性值的组合。比较组件将输入查询的搜索模式与库中每个查询的每个分区逻辑单元进行比较。比较组件将输入查询的属性名称与逻辑单元中的属性名称进行比较，在对逻辑单元中使用的运算符的输入查询中使用的运算符和输入查询中的属性值中逻辑运算符中的属性值单元。确定组件确定输入查询与库中每个查询相关联的任何逻辑单元之间是否存在匹配。

7. 发明申请

US20080195463A1 SYSTEM FOR COST-SENSITIVE AUTONOMOUS INFORMATION RETRIEVAL AND EXTRACTION 有权
标题翻译：用于成本敏感自动信息检索和提取的系统
公开(公告)号：US20080195463A1
公开(公告)日：2008-08-14
申请号：US11552538
申请日：2006-10-25
申请人： Kareem Sherif Aggour , John Alan Interrante , Christina Ann LaComb , Abha Moitra , Ibrahim Gokcen
发明人： Kareem Sherif Aggour , John Alan Interrante , Christina Ann LaComb , Abha Moitra , Ibrahim Gokcen
IPC分类号： G06Q10/00 , G06F7/06 , G06F17/30
CPC分类号： G06Q10/00 , G06F17/30867 , G06Q40/00 , G06Q40/02
摘要： A multi-agent system is provided for automatically acquiring desired information from one or more information sources. The multi-agent system includes a plurality of data provider filter agents associated with the one or more information sources. The data provider filter agents are configured to search for the desired information within the respective information sources based on an assessment of the one or more information sources. The multi-agent system also includes a content extraction agent configured to acquire a plurality of articles containing the desired information from the one or more information sources based on the search.
摘要翻译：提供了一种多代理系统，用于从一个或多个信息源自动获取所需信息。多代理系统包括与一个或多个信息源相关联的多个数据提供者过滤代理。数据提供者过滤器代理被配置为基于对一个或多个信息源的评估来搜索相应信息源内的期望信息。多代理系统还包括：内容提取代理，被配置为基于搜索从一个或多个信息源获取包含所需信息的多个文章。

8. 发明申请

US20080071656A1 METHOD FOR CONSTRUCTING SEARCHABLE DATA PATTERNS OF INTEREST 审中-公开
标题翻译：构建可搜索的利益数据模式的方法
公开(公告)号：US20080071656A1
公开(公告)日：2008-03-20
申请号：US11532213
申请日：2006-09-15
申请人： Gregg Katsura Steuben , Bethany Kniffin Hoogs , Kareem Sherif Aggour
发明人： Gregg Katsura Steuben , Bethany Kniffin Hoogs , Kareem Sherif Aggour
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q40/00
摘要： A method for constructing data patterns of interest is provided. The method includes creating one or more alert clause expressions and evaluating the one or more alert clause expressions based on a parameter of interest and a plurality of conditions. The method further includes combining the one or more alert clause expressions in a selected manner to generate an alert signal. The one or more data patterns of interest are described by the one or more alert clause expressions and the alert signal.
摘要翻译：提供了一种构建感兴趣的数据模式的方法。该方法包括创建一个或多个警报子句表达式并且基于感兴趣的参数和多个条件来评估一个或多个警报子句表达式。该方法还包括以所选择的方式组合一个或多个警报条款表达式以生成警报信号。感兴趣的一个或多个数据模式由一个或多个警报子句表达式和警报信号描述。

9. 发明授权

US08126790B2 System for cost-sensitive autonomous information retrieval and extraction 有权
标题翻译：用于成本敏感的自主信息检索和提取系统
公开(公告)号：US08126790B2
公开(公告)日：2012-02-28
申请号：US11552538
申请日：2006-10-25
申请人： Kareem Sherif Aggour , John Alan Interrante , Christina Ann LaComb , Abha Moitra , Ibrahim Gokcen
发明人： Kareem Sherif Aggour , John Alan Interrante , Christina Ann LaComb , Abha Moitra , Ibrahim Gokcen
IPC分类号： G06Q40/00 , G06F7/00
CPC分类号： G06Q10/00 , G06F17/30867 , G06Q40/00 , G06Q40/02
摘要： A multi-agent system is provided for automatically acquiring desired information from one or more information sources. The multi-agent system includes a plurality of data provider filter agents associated with the one or more information sources. The data provider filter agents are configured to search for the desired information within the respective information sources based on an assessment of the one or more information sources. The multi-agent system also includes a content extraction agent configured to acquire a plurality of articles containing the desired information from the one or more information sources based on the search.
摘要翻译：提供了一种多代理系统，用于从一个或多个信息源自动获取所需信息。多代理系统包括与一个或多个信息源相关联的多个数据提供者过滤代理。数据提供者过滤器代理被配置为基于对一个或多个信息源的评估来搜索相应信息源内的期望信息。多代理系统还包括内容提取代理，被配置为基于搜索从一个或多个信息源获取包含所需信息的多个文章。

10. 发明申请

US20090150212A1 Method for identifying entities exhibiting patterns of interest related to financial health 审中-公开
标题翻译：识别与财务健康有关的兴趣模式的实体的方法
公开(公告)号：US20090150212A1
公开(公告)日：2009-06-11
申请号：US11999351
申请日：2007-12-05
申请人： Gregg Katsura Steuben , Kareem Sherif Aggour , Michael Andrew Woellmer , Benjamin Thomas Verschueren , Bethany Kniffin Hoogs , Christina Ann LaComb , Mark Richard Gilder , Deniz Senturk-Doganaksoy
发明人： Gregg Katsura Steuben , Kareem Sherif Aggour , Michael Andrew Woellmer , Benjamin Thomas Verschueren , Bethany Kniffin Hoogs , Christina Ann LaComb , Mark Richard Gilder , Deniz Senturk-Doganaksoy
IPC分类号： G06Q10/00
CPC分类号： G06Q40/02 , G06Q10/063 , G06Q10/10 , G06Q40/00
摘要： A method of identifying a set of entities based on a pattern of interest is provided. The method includes identifying a reference entity and identifying one or more alert categories indicative of a pattern of interest in the reference entity over a time period of interest. The method further comprises determining a matching percentage of the pattern of interest exhibited by the reference entity, in one or more entities comprising the set of entities based on the one or more alert categories. The method further comprises identifying one or more of the entities comprising the set of entities that exhibit one or more of the patterns of interest exhibited by the reference entity, based on the matching percentage.
摘要翻译：提供了一种基于感兴趣的图案来识别一组实体的方法。该方法包括在感兴趣的时间段内识别参考实体并识别指示参考实体中的感兴趣模式的一个或多个警报类别。所述方法还包括在基于所述一个或多个警报类别的一组或多个实体中确定所述参考实体展示的所述兴趣模式的匹配百分比。所述方法还包括基于所述匹配百分比来识别包括所述一组实体的实体中的一个或多个，所述一组实体展示所述参考实体展示的一个或多个所关注的模式。

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