公开(公告)号：US20130211861A1

公开(公告)日：2013-08-15

申请号：US13851285

申请日：2013-03-27

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Curt Stewart ,  Matthew T. Frank ,  Neale McCormick ,  Matt Baughman ,  Rama Duvvuri

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q30/0282

Abstract: A method for rating insurance products using a programmed computer system having steps including receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block by truncating a decimal representation of the longitude and latitude of the location; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; setting a ring counter to an initial value; determining a current ring of coordinate grid blocks grid adjacent to and surrounding the target grid block; querying the database for a second set of existing data associated with each coordinate grid block in the current ring of coordinate grid blocks; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set.

Abstract translation: 一种使用编程的计算机系统评估保险产品的方法，所述计算机系统具有包括接收包括位置的经度和纬度的坐标对的步骤; 通过截断位置的经度和纬度的十进制表示来确定目标坐标网格块; 查询与目标坐标网格块相关联的第一组现有数据的数据库，其中现有数据在接收坐标对之前与目标坐标网格块相关联; 将环形计数器设置为初始值; 确定与目标网格块相邻并围绕目标网格块的当前坐标网格块的网格; 在当前的坐标网格块环中查询与每个坐标网格块相关联的第二组现有数据的数据库; 以及基于恒定值和第一组和第二组中的数据的分析来计算纯溢价。

公开(公告)号：US20130325520A1

公开(公告)日：2013-12-05

申请号：US13959458

申请日：2013-08-05

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Curt Stewart ,  Matthew T. Frank ,  Neale McCormick ,  Matt Baughman ,  Ramakrishna Duvvuri

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q30/0282

Abstract: A computer-implemented method for providing an insurance rate associated with a particular location may include: storing insurance-related data associated with each of a plurality of geographic areas, determining a particular geographic area corresponding with the particular location, retrieving from storage insurance-related data associated with a subset of the geographic areas, calculating a credibility factor based on the quantity of the retrieved insurance-related data, determining that the credibility factor is below a target credibility threshold, and, in response to determining that the credibility factor is below the target credibility threshold, increasing the subset of geographic areas, retrieving from storage insurance-related data for the increased subset of geographic areas, calculating an updated credibility factor that meets or exceeds the target credibility threshold, calculating an insurance rate based at least on the retrieved insurance-related data associated with the increased subset of geographic areas, and communicating the calculated insurance rate to a user.

Abstract translation: 用于提供与特定位置相关联的保险费率的计算机实现的方法可以包括：存储与多个地理区域中的每一个相关联的保险相关数据，确定与特定位置对应的特定地理区域，从存储保险相关 与地理区域的子集相关联的数据，基于所检索的保险相关数据的数量计算可信度因子，确定可信度因子低于目标可信度阈值，以及响应于确定可信度因子低于 目标可信度阈值，增加地理区域的子集，从用于增加的地理区域的子集的存储保险相关数据中获取，计算满足或超过目标可信度阈值的更新的可信度因子，至少基于 检索与之相关的保险相关数据 e增加地理区域的子集，并将计算的保险费率传达给用户。

公开(公告)号：US08738408B2

公开(公告)日：2014-05-27

申请号：US13851340

申请日：2013-03-27

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Curt Stewart ,  Matthew T. Frank ,  Neale McCormick ,  Matt Baughman ,  Rama Duvvuri

IPC: G06Q40/00

CPC classification number: G06Q40/08 ,  G06Q30/0282

Abstract: A method for rating insurance products using a programmed computer system comprising: receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; querying a database for a second set of existing data associated with a regulator, which regulates insurance policies in a geographic area comprising the location; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set.

Abstract translation: 一种使用编程的计算机系统评估保险产品的方法，包括：接收包括位置的经度和纬度的坐标对; 确定由纬度和纬度线限定的目标坐标网格块，哪个网格块与坐标对相关联; 查询与目标坐标网格块相关联的第一组现有数据的数据库，其中现有数据在接收坐标对之前与目标坐标网格块相关联; 向数据库查询与调节器相关联的第二组现有数据，所述调节器在包括所述位置的地理区域中调节保险单; 以及基于恒定值和第一组和第二组中的数据的分析来计算纯溢价。

公开(公告)号：US08738407B2

公开(公告)日：2014-05-27

申请号：US13851217

申请日：2013-03-27

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Curt Stewart ,  Matthew T. Frank ,  Neale McCormick ,  Matt Baughman ,  Rama Duvvuri

IPC: G06Q40/00

CPC classification number: G06Q40/08 ,  G06Q30/0282

Abstract: A computer readable medium containing a set of computer readable instructions that when loaded into a computer configure that computer to: receive demographic data, fire station data, or other data associated with a location; receive a coordinate pair including a longitude and latitude of a location; determine a coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; query a database for a plurality of existing data associated with the coordinate grid block; and determine a rate based at least in part on the plurality of existing data and the demographic data, fire station data, or other data associated with a location.

Abstract translation: 包含一组计算机可读指令的计算机可读介质，当加载到计算机中时，该计算机可读指令将该计算机配置为：接收人口统计数据，消防站数据或与位置相关联的其他数据; 接收包括位置的经度和纬度的坐标对; 确定由纬度和纬度线限定的坐标网格块，哪个网格块与坐标对相关联; 查询与坐标网格块相关联的多个现有数据的数据库; 并且至少部分地基于多个现有数据和人口统计数据，消防站数据或与位置相关联的其他数据来确定速率。

公开(公告)号：US20130226625A1

公开(公告)日：2013-08-29

申请号：US13851340

申请日：2013-03-27

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Curt Stewart ,  Matthew T. Frank ,  Neale McCormick ,  Matt Baughman ,  Rama Duvvuri

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q30/0282

Abstract: A method for rating insurance products using a programmed computer system comprising: receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; querying a database for a second set of existing data associated with a regulator, which regulates insurance policies in a geographic area comprising the location; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set.

Abstract translation: 一种使用编程的计算机系统评估保险产品的方法，包括：接收包括位置的经度和纬度的坐标对; 确定由纬度和纬度线限定的目标坐标网格块，哪个网格块与坐标对相关联; 查询与目标坐标网格块相关联的第一组现有数据的数据库，其中现有数据在接收坐标对之前与目标坐标网格块相关联; 向数据库查询与调节器相关联的第二组现有数据，所述调节器在包括所述位置的地理区域中调节保险单; 以及基于恒定值和第一组和第二组中的数据的分析来计算纯溢价。

公开(公告)号：US20130218607A1

公开(公告)日：2013-08-22

申请号：US13851217

申请日：2013-03-27

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Curt Stewart ,  Matthew T. Frank ,  Neale McCormick ,  Matt Baughman ,  Rama Duvvuri

IPC: G06Q40/08

CPC classification number: G06Q40/08 ,  G06Q30/0282

Abstract: A computer readable medium containing a set of computer readable instructions that when loaded into a computer configure that computer to: receive demographic data, fire station data, or other data associated with a location; receive a coordinate pair including a longitude and latitude of a location; determine a coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; query a database for a plurality of existing data associated with the coordinate grid block; and determine a rate based at least in part on the plurality of existing data and the demographic data, fire station data, or other data associated with a location.

Abstract translation: 包含一组计算机可读指令的计算机可读介质，当加载到计算机中时，该计算机可读指令将该计算机配置为：接收人口统计数据，消防站数据或与位置相关联的其他数据; 接收包括位置的经度和纬度的坐标对; 确定由纬度和纬度线限定的坐标网格块，哪个网格块与坐标对相关联; 查询与坐标网格块相关联的多个现有数据的数据库; 并且至少部分地基于多个现有数据和人口统计数据，消防站数据或与位置相关联的其他数据来确定速率。