WO2004099945A3 - Automated dominance classification for insurance underwriting - Google Patents

Automated dominance classification for insurance underwriting Download PDF

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Publication number
WO2004099945A3
WO2004099945A3 PCT/US2004/009977 US2004009977W WO2004099945A3 WO 2004099945 A3 WO2004099945 A3 WO 2004099945A3 US 2004009977 W US2004009977 W US 2004009977W WO 2004099945 A3 WO2004099945 A3 WO 2004099945A3
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WO
WIPO (PCT)
Prior art keywords
risk
candidates
subsets
assigned
category
Prior art date
Application number
PCT/US2004/009977
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French (fr)
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WO2004099945A2 (en
Inventor
Piero Patrone Bonissone
Naresh Sundaram Iyer
Original Assignee
Ge Financial Assurance Holding
Piero Patrone Bonissone
Naresh Sundaram Iyer
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Application filed by Ge Financial Assurance Holding, Piero Patrone Bonissone, Naresh Sundaram Iyer filed Critical Ge Financial Assurance Holding
Publication of WO2004099945A2 publication Critical patent/WO2004099945A2/en
Publication of WO2004099945A3 publication Critical patent/WO2004099945A3/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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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

Abstract

A risk classification technique that exploits the existing risk structure of the decision problem in order to produce risk categorizations for, new candidates is described. The technique makes use of a set of candidates for which risk categories have already been assigned (in the case of insurance underwriting, for example, this would pertain to the premium class assigned to an application). Using this set of labeled candidates, the technique produces two subsets (3804, 3808) for each risk category: the Pareto-best subset and the Pareto-worst subset by using Dominance. These two subsets can be seen as representing the least risky and the most risky candidates within a given risk category. If there are a sufficient number of candidates in these two subsets, then the candidates in these two subsets can be seen as samples from the two hypothetical risk surfaces in the feature space that bound the risk category from above and below respectively. A new candidate is assigned a risk category (3914) by verifying if the candidate lies within these two bounding risk surfaces.
PCT/US2004/009977 2003-04-30 2004-04-01 Automated dominance classification for insurance underwriting WO2004099945A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/425,723 US7567914B2 (en) 2003-04-30 2003-04-30 System and process for dominance classification for insurance underwriting suitable for use by an automated system
US10/425,723 2003-04-30

Publications (2)

Publication Number Publication Date
WO2004099945A2 WO2004099945A2 (en) 2004-11-18
WO2004099945A3 true WO2004099945A3 (en) 2005-12-01

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/009977 WO2004099945A2 (en) 2003-04-30 2004-04-01 Automated dominance classification for insurance underwriting

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US (2) US7567914B2 (en)
WO (1) WO2004099945A2 (en)

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