A computer-implemented system and method is provided for determining a risk assessment. The method comprises receiving a plurality of vehicle behaviour data over a defined data collection period. This data is input into a supervised learning prediction model which is trained on historical vehicle behaviour data over a past time period, to generate a predicted value of a frequency of expected claim submissions for the policyholder of the vehicle in a future time period. Then a Shapley estimate is computed for each feature of the behaviour data applied to the model for determining a contribution of each said feature to the predicted value. A spline approximation is applied to the Shapley estimate for each said feature to estimate the contribution of each said feature. Then, a sum of the spline approximation for each said feature is calculated and a corresponding risk score determined based on the sum.


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    Titel :

    SYSTEM AND METHOD FOR DETERMINING A DRIVER SCORE USING MACHINE LEARNING


    Beteiligte:

    Erscheinungsdatum :

    2023-03-16


    Medientyp :

    Patent


    Format :

    Elektronische Ressource


    Sprache :

    Englisch


    Klassifikation :

    IPC:    G06Q Datenverarbeitungssysteme oder -verfahren, besonders angepasst an verwaltungstechnische, geschäftliche, finanzielle oder betriebswirtschaftliche Zwecke, sowie an geschäftsbezogene Überwachungs- oder Voraussagezwecke , DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES / B60W CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION , Gemeinsame Steuerung oder Regelung von Fahrzeug-Unteraggregaten verschiedenen Typs oder verschiedener Funktion / G06N COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS , Rechnersysteme, basierend auf spezifischen Rechenmodellen / H04W WIRELESS COMMUNICATION NETWORKS , Drahtlose Kommunikationsnetze



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