| 发明名称 |
METHOD AND SYSTEM TO DETERMINE AUTO INSURANCE RISK |
| 摘要 |
A method for evaluating fraudulent data in a Usage Based Insurance (UBI) system, includes retrieving trip data for a driver from a database. A processor on a computer determines tough context incidents in the trip data. Driving behavior of the driver during said tough context incidents is compared with driving behavior of other drivers during similar tough context incidents. The trip data is identified as potentially fraudulent if the driver's driving behavior is better by a predetermined amount compared to the other drivers' driving behavior. |
| 申请公布号 |
US2017109827(A1) |
申请公布日期 |
2017.04.20 |
| 申请号 |
US201514883839 |
申请日期 |
2015.10.15 |
| 申请人 |
International Business Machines Corporation |
发明人 |
HUANG He Yuan;DUAN Ning;WANG Zhi Hu;LI Kai |
| 分类号 |
G06Q40/08;G07C5/02 |
主分类号 |
G06Q40/08 |
| 代理机构 |
|
代理人 |
|
| 主权项 |
1. A method, comprising:
receiving trip data for a driver; determining, using a processor on a computer, tough context incidents in said trip data; comparing driving behavior of said driver during said tough context incidents with driving behavior of other drivers during similar tough context incidents; and identifying said trip data as potentially fraudulent if said driver's driving behavior is better by a predetermined amount, compared to said other drivers' driving behavior. |
| 地址 |
Armonk NY US |
