Machine learning-based, predictive, digital underwriting system, digital predictive process and corresponding method thereof
US12361499B2 · kind B2 · utility
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19Claims
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Key dates
| Filing date | Aug 30, 2023 |
| Grant date | Jul 15, 2025 |
| Priority date | — |
| Expiry date | Jan 12, 2044 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06N5/022
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Proposed is a ML-based, predictive, digital underwriting system and corresponding method providing an automated parameter-driven predictive underwriting process based on measured probability values associated with individuals of a cohort or portfolio, the individuals being exposed to a probability of occurrence of one or more predefined medical and/or health and/or life events having the probability value with a predefined severity within a future measuring time-window.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.