发明名称 |
Methods for Grid-Based Insurance Rating |
摘要 |
A method for rating insurance products using a programmed computer system having steps including receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block by truncating a decimal representation of the longitude and latitude of the location; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; setting a ring counter to an initial value; determining a current ring of coordinate grid blocks grid adjacent to and surrounding the target grid block; querying the database for a second set of existing data associated with each coordinate grid block in the current ring of coordinate grid blocks; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set.
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申请公布号 |
US2013211861(A1) |
申请公布日期 |
2013.08.15 |
申请号 |
US201313851285 |
申请日期 |
2013.03.27 |
申请人 |
COMPANY STATE FARM MUTUAL AUTOMOBILE INSURANCE;STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY |
发明人 |
STEWART CURT;FRANK MATTHEW T.;MCCORMICK NEALE;BAUGHMAN MATT;DUVVURI RAMA |
分类号 |
G06Q40/08 |
主分类号 |
G06Q40/08 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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