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US 2013/0159334 A1Published application
Method for identifying and extracting undesirable activities of motorists from dmv and insurance carrier data streams
OwnerRichard Buono, Kevin McAllisterinventors
Life of this patent
Estimating the term…
Abstract
A method (10) that identifies automobile insurance policy risks by comparing automobile insurance policy records (12) with driving violation records (14).
Claims21
A method of identifying motor vehicle owners that demonstrate activities posing a motor vehicle insurance policy risk, comprising selecting or drawing a first record from a first data repository;
- comparing the first record from the first data repository to the records of a second data repository, each of said records of the first data repository and the second data repository having a plurality of data elements;
- selecting the criteria to determine how the data elements of said records are to be compared;
- specifying particular data elements of said records to be compared and identifying any instance of the first record and a record of the second data repository having specified data elements that match;
- and selecting a key data element of said records and identifying any instance of matching records having respective selected key data elements that are not matching.
1 more element
A method of identifying motor vehicle insurance policy risks, comprising:
- a. selecting or drawing a system record from a first data source;
- b. comparing the drawn system record of the first data source to system records of a second data source, each system record having a plurality of data elements;
- c. selecting criteria to determine how the data elements of the respective system records are to be compared;
- and
- d. identifying any instance of the respective system records being compared having a selected combination of matching and non-matching data elements.
2 more elements
A system of identifying motor vehicle insurance policy risks, comprising:
- a. means for selecting a system record having a plurality of data elements from a first data source;
- b. means for comparing the selected system record of the first data source to system records of a second data source, each system record of the second data source having a plurality of data elements;
- and
- c. means for selecting criteria to compare the data elements of the respective system records;
- said means for comparing flagging the respective system records being compared having a selected combination of matching and non-matching data elements.
2 more elements
Dependencies are inferred from the claim text.