公开(公告)号：US5970464A

公开(公告)日：1999-10-19

申请号：US926804

申请日：1997-09-10

申请人： Chidanand Vinayak Apte ,  Edna Grossman ,  Edwin Peter Dawson Pednault ,  Barry Kumin Rosen ,  Fateh Ali Tipu ,  Hsueh-ju Wang ,  Brian Frederick White

发明人： Chidanand Vinayak Apte ,  Edna Grossman ,  Edwin Peter Dawson Pednault ,  Barry Kumin Rosen ,  Fateh Ali Tipu ,  Hsueh-ju Wang ,  Brian Frederick White

IPC分类号： G06Q10/06 ,  G06F17/60

CPC分类号： G06Q40/08 ,  G06Q10/0635

摘要： A computer implemented method of underwriting profitability analysis delivers the analytic process to a wide cross section of insurance decision makers. The underwriting profitability analysis system leverages an existing investment in databases and improves underwriting business processes. Data mining techniques are applied to historical policy and claims to extract rules that describe policy holders with homogeneous claim frequency and severity characteristics. These rule sets are used to classify policy holders into distinct risk groups, each with its own set of characteristics, including pure premium. Breaking up a book of business into segments allows identification of sub-populations of policy holders that distinctly deviate from the expected normal pure premium. This identification allow the insurance business analysts to interactively adjust eligibility criteria and examine altered characteristics of the covered segments until satisfactory. The system is implemented on a client server using network centric language technology.

摘要翻译： 计算机实施的盈利能力分析方法将分析过程提供给广泛的保险决策者。 承销盈利能力分析系统利用现有的数据库投资，改善承销业务流程。 数据挖掘技术适用于历史政策和索赔，以提取描述具有均匀索赔频率和严重性特征的策略持有人的规则。 这些规则集用于将保单持有人分类为不同的风险群体，每个风险群体都有自己的一套特征，包括纯保费。 将业务分成几部分，可以确定明显偏离预期的正常纯价格的保单持有人的子种群。 这种识别允许保险业务分析人员交互地调整资格标准，并检查被覆盖部分的变更特征，直到令人满意。 该系统在使用网络中心语言技术的客户端服务器上实现。