公开(公告)号：US10776878B1

公开(公告)日：2020-09-15

申请号：US15637251

申请日：2017-06-29

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Andrew Joseph Zeglin ,  Jessica Lynn Shull ,  David Turrentine ,  Edward W. Breitweiser ,  Melinda Teresa Magerkurth

IPC: G06Q40/08 ,  G06Q50/22 ,  G06Q50/00 ,  H04L29/08 ,  G06F16/9535 ,  H04W4/21

Abstract: A data aggregation and processing engine optimizes underwriting decisions in the life insurance industry by using social media data to reduce the level of underwriting required. Social media data enables underwriting thresholds based on risk assessments and credibility correlations within publicly available social media data sets with options for opting into more detailed analysis of private social data. Activity monitors further refine appropriate underwriting actions together with correlations with provided biographical data.