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公开(公告)号：US11928740B1
公开(公告)日：2024-03-12
申请号：US17495066
申请日：2021-10-06
发明人： Richard Hutchinson , William Everett , David Pratt , Raymond Ling
CPC分类号： G06Q40/08 , G06F16/2365
摘要： A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.
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公开(公告)号：US10223751B1
公开(公告)日：2019-03-05
申请号：US14627662
申请日：2015-02-20
发明人： Richard Hutchinson , William Everett , David Pratt , Raymond Ling
摘要： A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.
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