公开(公告)号：US08793146B2

公开(公告)日：2014-07-29

申请号：US10171575

申请日：2002-06-17

申请人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  William Michael Durham ,  Dan Yang ,  Marc Pavese ,  Diane Marie Russell

发明人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  William Michael Durham ,  Dan Yang ,  Marc Pavese ,  Diane Marie Russell

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q40/08 ,  G06Q10/10

摘要： A system for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.

摘要翻译： 描述了至少部分承保保险单的制度。 创建了各种规则，以及每个规则的满足程度。 规则可以针对各种保险承保部件（例如，胆固醇水平，血压等）。 根据每个规则的满足程度，组件可能被分配到一个类别。 根据每个组件的类别，保险申请可能被分配一个承保类别。

公开(公告)号：US07844476B2

公开(公告)日：2010-11-30

申请号：US10171190

申请日：2002-06-14

申请人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Dan Yang ,  Marc Pavese ,  Angela Neff Patterson ,  Antonio Mogro-Campero ,  Anil Varma ,  William Michael Durham ,  Diane Marie Russell ,  Rajesh Venkat Subbu

发明人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Dan Yang ,  Marc Pavese ,  Angela Neff Patterson ,  Antonio Mogro-Campero ,  Anil Varma ,  William Michael Durham ,  Diane Marie Russell ,  Rajesh Venkat Subbu

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q50/22 ,  G06Q50/24

摘要： A process for at least a partial underwriting of insurance policies is described. Based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made. This decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.

摘要翻译： 描述了至少部分承保保险单的过程。 根据与以往保险申请的相似性，可以对目前的承保请求作出决定。 该决策过程代表将保险申请放置于承保类别的类比方法，从而将给定的保险申请请求与以前的请求进行比较。

公开(公告)号：US07640201B2

公开(公告)日：2009-12-29

申请号：US10390710

申请日：2003-03-19

申请人： Kete Charles Chalermkraivuth ,  Anindya Chakraborty ,  Michael Craig Clark ,  Richard Paul Messmer

发明人： Kete Charles Chalermkraivuth ,  Anindya Chakraborty ,  Michael Craig Clark ,  Richard Paul Messmer

IPC分类号： G06Q99/00

CPC分类号： G06Q40/06

摘要： The invention provides systems and methods for determining the allocation of securities in a portfolio. The method includes providing a collection of securities in a portfolio, each security being associated with associated attributes; providing risk factor data related to the portfolio; pooling the securities into a plurality of security clusters based on the attributes associated with each security and the risk factor data, each security being assigned to an security cluster, the pooling being performed using multivariate decision tree processing; processing the security clusters using a nonlinear programming optimizer to generate optimization results; and presenting the optimization results in a risk-return space for determination of a security allocation.

摘要翻译： 本发明提供用于确定投资组合中证券分配的系统和方法。 该方法包括在投资组合中提供证券集合，每个证券与相关联的属性相关联; 提供与投资组合相关的风险因素数据; 基于与每个安全性相关联的属性和风险因子数据将证券集中到多个安全集群中，每个安全性被分配给安全集群，所述集合使用多变量决策树处理来执行; 使用非线性编程优化器处理安全集群以生成优化结果; 并将优化结果呈现在用于确定安全分配的风险回报空间中。

公开(公告)号：US07171383B2

公开(公告)日：2007-01-30

申请号：US09681298

申请日：2001-03-14

申请人： Christopher Donald Johnson ,  Richard Paul Messmer ,  William Cree Steward ,  Marc Thomas Edgar ,  Brian N. Dingman

发明人： Christopher Donald Johnson ,  Richard Paul Messmer ,  William Cree Steward ,  Marc Thomas Edgar ,  Brian N. Dingman

IPC分类号： G06Q40/00

CPC分类号： G06Q10/06 ,  G06Q10/063 ,  G06Q10/0631 ,  G06Q20/382 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/06

摘要： An integrated system organizes a company's experiences, operating procedures, best practices, information sources, competitive information and analytical tools. The goal is increasing profitability within a due diligence process while facilitating ongoing operations. The system incorporates a method for collaborating on due diligence issues to affect knowledge building within due diligence teams. The method includes accessing stored, accumulated knowledge in a repository from prior due diligence exercises, applying to due diligence decisions criteria based on consolidated analytical building blocks of past due diligence exercises and storing newly accumulated knowledge from the current due diligence exercise into the repository of accumulated knowledge. Access to this information is available globally via the internet as well as locally.

摘要翻译： 综合系统组织公司的经验，操作程序，最佳实践，信息来源，竞争信息和分析工具。 目标是在尽职调查过程中提高盈利能力，同时促进持续运营。 该系统包含一个协调尽职调查问题的方法，以影响尽职调查小组内的知识建设。 该方法包括从先前的尽职调查练习中获取储存库中存储的积累的知识，应用基于过去尽职调查演习的综合分析构件的适当努力决策标准，并将从当前尽职调查练习中获得的新积累的知识存储到累积 知识。 访问这些信息可以通过互联网和本地在全球范围内获得。

公开(公告)号：US07899688B2

公开(公告)日：2011-03-01

申请号：US10173017

申请日：2002-06-18

申请人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Angela Neff Patterson ,  Dan Yang ,  Marc Pavese ,  Rajesh Venkat Subbu ,  Kareem Sherif Aggour

发明人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Angela Neff Patterson ,  Dan Yang ,  Marc Pavese ,  Rajesh Venkat Subbu ,  Kareem Sherif Aggour

IPC分类号： G06Q40/00 ,  G06Q10/00 ,  G06Q50/00

CPC分类号： G06Q10/10 ,  G06Q40/02 ,  G06Q40/08 ,  G06Q50/22

摘要： A robust process for automating the tuning and maintenance of decision-making systems is described. A configurable multi-stage mutation-based evolutionary algorithm optimally tunes the decision thresholds and internal parameters of fuzzy rule-based and case-based systems that decide the risk categories of insurance applications. The tunable parameters have a critical impact on the coverage and accuracy of decision-making, and a reliable method to optimally tune these parameters is critical to the quality of decision-making and maintainability of these systems.

摘要翻译： 描述了用于自动化决策系统的调整和维护的强大过程。 可配置的基于多阶段突变的进化算法最佳地调整了基于模糊规则和基于案例的系统的决策阈值和内部参数，以决定保险应用的风险类别。 可调参数对决策的覆盖面和准确性有重要的影响，而对这些参数进行最佳调优的可靠方法对于这些系统的决策和维护的质量至关重要。

公开(公告)号：US07844477B2

公开(公告)日：2010-11-30

申请号：US10173000

申请日：2002-06-18

申请人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  William Michael Durham ,  Dan Yang ,  Marc Pavese ,  Diane Marie Russell

发明人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  William Michael Durham ,  Dan Yang ,  Marc Pavese ,  Diane Marie Russell

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06F19/00 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

摘要： A process for at least a partial underwriting of insurance policies is described. Various rules are created, along with a degree of satisfaction for each rule. Rules may be directed toward various insurance underwriting components (e.g., cholesterol levels, blood pressure, etc.). Based on the degree of satisfaction for each rule, a component may be assigned to a category. Based on the category for each component, the insurance application may be assigned an underwriting category.

摘要翻译： 描述了至少部分承保保险单的过程。 创建了各种规则，以及每个规则的满足程度。 规则可以针对各种保险承保部件（例如，胆固醇水平，血压等）。 根据每个规则的满足程度，组件可能被分配到一个类别。 根据每个组件的类别，保险申请可能被分配一个承保类别。

公开(公告)号：US07630910B2

公开(公告)日：2009-12-08

申请号：US10170471

申请日：2002-06-14

申请人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Dan Yang ,  Marc Pavese ,  Angela Neff Patterson ,  Antonio Mogro-Campero ,  Anil Varma ,  William Michael Durham ,  Diane Marie Russell ,  Rajesh Venkat Subbu

发明人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Dan Yang ,  Marc Pavese ,  Angela Neff Patterson ,  Antonio Mogro-Campero ,  Anil Varma ,  William Michael Durham ,  Diane Marie Russell ,  Rajesh Venkat Subbu

IPC分类号： G06Q10/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q50/22 ,  G06Q50/24

摘要： A system for at least a partial underwriting of insurance policies is described. based on the similarity to previous insurance applications, a decision on the current request for underwriting may be made. this decision-making process represents an analogical approach to the placement of an insurance application to an underwriting category, whereby a given insurance application request is compared to previous requests.

摘要翻译： 描述了至少部分承保保险单的制度。 基于与以前的保险申请的相似性，可以对当前的承保请求作出决定。 该决策过程代表将保险申请放置到承保类别的类比方法，从而将给定的保险申请请求与先前的请求进行比较。

公开(公告)号：US07974855B2

公开(公告)日：2011-07-05

申请号：US11021418

申请日：2004-12-27

申请人： Kunter Seref Akbay ,  Richard Paul Messmer ,  Christopher Donald Johnson ,  Angela Neff Patterson ,  Navneet Kapoor ,  Marc Pavese ,  Peter Arnold Kalish

发明人： Kunter Seref Akbay ,  Richard Paul Messmer ,  Christopher Donald Johnson ,  Angela Neff Patterson ,  Navneet Kapoor ,  Marc Pavese ,  Peter Arnold Kalish

IPC分类号： G06Q10/00

CPC分类号： G06Q10/00 ,  G06Q10/0635 ,  G06Q10/067 ,  G06Q40/08 ,  G06Q50/22

摘要： A system for representing information and decision flow requirements in a transactional business process is provided. The system comprises an information gathering object and a decision object. The information gathering object represents a piece of information used in the transactional business system and the decision object represents a satisfying condition for achieving an objective associated with the transactional business system. The system further comprises one or more information channels that link the information gathering objects to the one or more decision objects. The information channels represent the information and decision flow requirements within the transactional business system.

摘要翻译： 提供了一种用于在事务性业务流程中表示信息和决策流要求的系统。 该系统包括信息收集对象和决策对象。 信息收集对象表示事务业务系统中使用的一条信息，决策对象代表实现与事务性业务系统相关联的目标的令人满意的条件。 系统还包括将信息收集对象链接到一个或多个决策对象的一个​​或多个信息通道。 信息渠道代表事务性业务系统内的信息和决策流程要求。

公开(公告)号：US07895062B2

公开(公告)日：2011-02-22

申请号：US10173039

申请日：2002-06-18

申请人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Angela Neff Patterson ,  Dan Yang ,  Marc Pavese ,  Rajesh Venkat Subbu ,  Kareem Sherif Aggour

发明人： Piero Patrone Bonissone ,  Richard Paul Messmer ,  Angela Neff Patterson ,  Dan Yang ,  Marc Pavese ,  Rajesh Venkat Subbu ,  Kareem Sherif Aggour

IPC分类号： G06Q40/00 ,  G06Q10/00 ,  G06Q50/00

CPC分类号： G06Q10/10 ,  G06Q40/08 ,  G06Q50/22

摘要： A robust system for automating the tuning and maintenance of decision-making systems is described. A configurable multi-stage mutation-based evolutionary algorithm optimally tunes the decision thresholds and internal parameters of fuzzy rule-based and case-based systems that decide the risk categories of insurance applications. The tunable parameters have a critical impact on the coverage and accuracy of decision-making, and a reliable method to optimally tune these parameters is critical to the quality of decision-making and maintainability of these systems.

摘要翻译： 描述了用于自动化决策系统的调整和维护的强大系统。 可配置的基于多阶段突变的进化算法最佳地调整了基于模糊规则和基于案例的系统的决策阈值和内部参数，以决定保险应用的风险类别。 可调参数对决策的覆盖面和准确性有重要的影响，而对这些参数进行最佳调优的可靠方法对于这些系统的决策和维护的质量至关重要。

公开(公告)号：US07110970B2

公开(公告)日：2006-09-19

申请号：US09741211

申请日：2000-12-19

申请人： Brian Nathan Dingman ,  Richard Paul Messmer ,  Marc Thomas Edgar ,  Christopher Donald Johnson

发明人： Brian Nathan Dingman ,  Richard Paul Messmer ,  Marc Thomas Edgar ,  Christopher Donald Johnson

IPC分类号： G06Q40/00

CPC分类号： G06Q10/06 ,  G06Q10/063 ,  G06Q10/0631 ,  G06Q20/382 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/06

摘要： An integrated system organizes a company's experiences, operating procedures, best practices, information sources, competitive information and analytical tools. The goal is increasing profitability within a due diligence process while facilitating ongoing operations. The system incorporates a method for collaborating on due diligence issues to affect knowledge building within due diligence teams. The method includes accessing stored, accumulated knowledge in a repository from prior due diligence exercises, applying to due diligence decisions criteria based on consolidated analytical building blocks of past due diligence exercises and storing newly accumulated knowledge from the current due diligence exercise into the repository of accumulated knowledge.