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    Method of controlling for undesired factors in machine learning models
    71.
    发明授权
    Method of controlling for undesired factors in machine learning models 有权

    公开(公告)号：US10769729B1

    公开(公告)日：2020-09-08

    申请号：US16352038

    申请日：2019-03-13

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Jeffrey S. Myers ,  Kenneth J. Sanchez ,  Michael L. Bernico

    IPC: G06K9/00 ,  G06Q40/08 ,  G06K9/62 ,  H04N7/18 ,  G06N3/08 ,  G06K9/66 ,  G06K9/46

    Abstract: A method of training and using a machine learning model that controls for consideration of undesired factors which might otherwise be considered by the trained model during its subsequent analyses of new data. For example, the model may be a neural network trained on a set of training images to evaluate an insurance applicant based upon an image or audio data of the insurance applicant as part of an underwriting process to determine an appropriate life or health insurance premium. The model is trained to probabilistically correlate an aspect of the applicant's appearance with a personal and/or health-related characteristic. Any undesired factors, such as age, sex, ethnicity, and/or race, are identified for exclusion. The trained model receives the image (e.g., a “selfie”) of the insurance applicant, analyzes the image without considering the identified undesired factors, and suggests the appropriate insurance premium based only on the remaining desired factors.

    Systems and methods for providing vehicular collision data
    74.
    发明授权
    Systems and methods for providing vehicular collision data 有权

    公开(公告)号：US10388084B1

    公开(公告)日：2019-08-20

    申请号：US15873374

    申请日：2018-01-17

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Aaron Scott Chan ,  Kenneth J. Sanchez

    IPC: G01C21/34 ,  G07C5/00 ,  G06K9/00 ,  G07C5/08 ,  H04W4/44

    Abstract: A computer-implemented method is provided for providing a notification that includes a traverse classification. The method includes determining, at a computing system including one or more processors, a contact region based on information indicative of a location of vehicle contact and a location of a person associated with the vehicle contact. The method also includes performing, by the one or more processors, an assessment of one or more aspects of one or more routes associated with the contact region and the contact region. The method also includes based on the assessment, determining, by the one or more processors, one or more traverse classifications corresponding to the one or more routes associated with the contact region. The method also includes providing, by the computing system, a notification that includes a traverse classification of the one or more traverse classifications to one or more vehicle operators approaching the contact region.

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