Social network risk analysis
First Claim
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1. A method comprising:
- using a processor associated with a computing device, generating a social network graph for an entity using data received from a server hosting a social network website, wherein the social network graph connects the entity to intermediate entities which are connected to a plurality of other entities;
using the processor, receiving data from at least one telematics device within at least one automobile associated with the entity, one of the intermediate entities, or one of the plurality of other entities,using the processor, analyzing the social network graph and the data received from the at least one telematics device to determine risk associated with insuring the entity; and
using the processor and based upon the determined risk, determining a rate for insuring the entity.
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Abstract
An enhanced social network module associated with an entity may create a social network for an individual, group, and/or organization. The module may then use the social network to determine risk associated with insuring a member of the social network. The determined risk may be used to calculate a rate for insuring the member. Additional features of the module may allow for the calculation of a group rate for insuring all members of the social network, the calculation of various centrality measures for each member of the social network, the calculation of a trust score for any given member, and the ability to poll members of the social network to determine various characteristics of any given member.
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Citations
20 Claims
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1. A method comprising:
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using a processor associated with a computing device, generating a social network graph for an entity using data received from a server hosting a social network website, wherein the social network graph connects the entity to intermediate entities which are connected to a plurality of other entities; using the processor, receiving data from at least one telematics device within at least one automobile associated with the entity, one of the intermediate entities, or one of the plurality of other entities, using the processor, analyzing the social network graph and the data received from the at least one telematics device to determine risk associated with insuring the entity; and using the processor and based upon the determined risk, determining a rate for insuring the entity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. An apparatus comprising:
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a processor; and a memory storing computer-readable instructions that, when executed by the processor, cause the processor to perform a method comprising; generating a social network graph for an individual using data received from a server hosting a social network website, wherein the social network graph connects the individual to intermediate individuals which are connected to a plurality of other individuals; receiving data from at least one telematics device within at least one automobile associated with the individual, the plurality of other individuals, or a combination thereof; estimating at least one characteristic of the individual by analyzing at least one characteristic of the intermediate individuals and the other individuals; based on the estimated at least one characteristic of the individual and the data received from the at least one telematics device, determining risk associated with insuring the individual; and based upon the determined risk, determining a rate for insuring the individual. - View Dependent Claims (16, 17, 18)
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19. A system comprising:
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at least one telematics device within at least one automobile associated with an individual, a plurality of other individuals, or a combination thereof; a processor; and a memory storing computer-readable instructions that, when executed by the processor, cause the processor to perform a method comprising; generating a social network graph for the individual using data received from a server hosting a social network website, wherein the social network graph connects the individual to intermediate individuals which are connected to the plurality of other individuals; receiving data from the at least one telematics device; determining at least one characteristic of the individual by analyzing at least one characteristic of one of the intermediate individuals or the plurality of other individuals; based on the determined at least one characteristic of the individual and the data received from the at least one telematics device, determining risk associated with insuring the individual; and based upon the determined risk, determining a rate for insuring the individual. - View Dependent Claims (20)
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Specification