METHOD FOR IDENTIFYING AND EXTRACTING UNDESIRABLE ACTIVITIES OF MOTORISTS FROM DMV AND INSURANCE CARRIER DATA STREAMS
First Claim
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1. 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.
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Abstract
A method (10) that identifies automobile insurance policy risks by comparing automobile insurance policy records (12) with driving violation records (14).
4 Citations
21 Claims
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1. 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
- 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;
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13. A method of identifying motor vehicle insurance policy risks, comprising:
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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. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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21. A system of identifying motor vehicle insurance policy risks, comprising:
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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.
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Specification