The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 12, 2010
Filed:
Aug. 12, 1999
Ho Ming Luk, San Diego, CA (US);
Pamela E. Coates, San Diego, CA (US);
Arati S. Deo, San Diego, CA (US);
Sean M. Downs, Laguna Hills, CA (US);
Benjamin A. Friesen, Long Beach, CA (US);
Craig A. Nies, Carlsbad, CA (US);
Anu K. Pathria, La Jolla, CA (US);
Ho Ming Luk, San Diego, CA (US);
Pamela E. Coates, San Diego, CA (US);
Arati S. Deo, San Diego, CA (US);
Sean M. Downs, Laguna Hills, CA (US);
Benjamin A. Friesen, Long Beach, CA (US);
Craig A. Nies, Carlsbad, CA (US);
Anu K. Pathria, La Jolla, CA (US);
Fair Isaac Corporation, Minneapolis, MN (US);
Abstract
Detection of insurance premium fraud is provided by a predictive model, which uses derived variables to assess the likelihood of fraud for each policy. The predictive model produces a score, which is a measure of the likelihood of premium fraud or abuse. The predictive model is included in a system that accepts policies to be considered for scoring, selects which policies are appropriate for scoring, stores data about the policies in a database, uses the data to derive variables for the model, and processes and outputs the model scores and related information. A rule-based analysis, which detects specific inconsistencies in the data that are indicative of premium fraud, may also be part of the system. The model scores and red-flag indicators from the rule-based analysis may be further processed to provide customized output for users.