Process for summarizing information for insurance underwriting suitable for use by an automated system
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United States of America Patent
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N/A
Issued Date -
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app pub date -
Jun 20, 2002
filing date -
Dec 31, 2001
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A process to structure and summarize the key information required by automated decision-making systems for insurance underwriting is described. The automated underwriting system may be based on rules corresponding to underwriting components, wherein based on the degree of satisfaction of each rule, a component may be assigned to a category, and based on the category for each component, the insurance application may be assigned an underwriting category, or the automated underwriting system may be based on an evaluation of the similarity of a given application to previous application requests, to decide an underwriting category. Most of the key information required for automated insurance underwriting is structured and standardized, except for the Attending Physician Statement (APS), which is almost as unique as each individual physician. The process to structure and summarize the APS information captures the relevant variables that characterize a given medical impairment, allowing an automated reasoning system to determine the degree of severity of such impairment and to estimate the underlying insurance risk.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | |
---|---|---|
GENWORTH HOLDINGS INC | 6620 WEST BROAD ST RICHMOND VA 23230 |
International Classification(s)
- [Classification Symbol]
- [Patents Count]
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Bonissone, Piero Patrone | Schenectady, NY | 88 | 3936 |
Coburn, David Hjalmar | Lynchburg, VA | 2 | 136 |
Durham, William Michael | Concord, VA | 8 | 432 |
Merchant, Valerie Annette | Rustburg, VA | 1 | 56 |
Messmer, Richard Paul | Rexford, NY | 31 | 1351 |
Mogro-Campero, Antonio | Niskayuna, NY | 7 | 311 |
Orlando, John Anthony | Lynchburg, VA | 2 | 136 |
Patterson, Angela Neff | Blacksburg, VA | 9 | 529 |
Pavese, Marc | Saratoga Springs, NY | 13 | 674 |
Russell, Diane Marie | Lynchburg, VA | 13 | 477 |
Yang, Dan | Westborough, MA | 132 | 1274 |
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Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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