公开(公告)号：US12211620B2

公开(公告)日：2025-01-28

申请号：US17685683

申请日：2022-03-03

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Justin Devore ,  Sateesh K Nallamothu ,  Dayne Dalpoas ,  Ruth Anne Grosskopf ,  Jason Beckman ,  Kathleen Cordiner ,  Jennifer Megargell

IPC: G16H50/20 ,  G06N7/01 ,  G06N20/00

Abstract: Techniques described herein relate to training and executing machine learning models configured to determine injury probabilities based on vehicle accident data. In some cases, a decision tree model may be constructed including various branching criteria based on particular vehicle accident data and injury ground truth data, including leaf nodes storing corresponding injury probabilities. A model execution component may execute the trained models to determine the probability of potential injuries associated with vehicle accidents. Based on the potential injury probabilities, a vehicle accident analysis system may identify target computer systems and/or target processes to be initiated on the target systems, based on the injury probabilities. In some example, the model execution architecture may be implemented using an event-driven system and/or cloud-based data storage and services to receive, store, and process data events associated with individual vehicle accidents.

公开(公告)号：US20230245241A1

公开(公告)日：2023-08-03

申请号：US17735995

申请日：2022-05-03

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Thaddeus Robert Sulek ,  Ruth Anne Grosskopf ,  Justin Devore ,  Dayne Dalpoas ,  Sateesh K Nallamothu ,  Scott Page Keller ,  Jason Beckman

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Insurance claims can be assigned to different claim processing groups within an insurance company. A machine learning liability classifier can evaluate claim data for an insurance claim, to predict a likelihood that an insured party has either 0% or 100% liability. If the likelihood of the insured party having either 0% or 100% liability meets or exceeds a threshold, the insurance claim can be assigned directly to a non-complex claim processing group that processes relatively simple insurance claims. Otherwise, one or more downstream claim routing elements can further process the claim data to determine whether the insurance claim is to be assigned to the non-complex claim processing group or to a complex claim processing group that processes more complex insurance claims.