Patent ID: 7383239
Filing Date: 2008-06-03
Classification: G06Q

Abstract:
1. A computer implemented system for underwriting an insurance application based on a plurality of previous insurance application underwriting decisions, the system comprising: a plurality of decision engines where each decision engine performs processing to output a result, wherein each output result comprises a classification for the insurance application, and the processing performed by the decision engine is based on factors derived from the insurance application such as risk of mortality; a fusion engine, where the fusion engine: a measurement engine for measuring at least a consensus of the fused decision; an estimation engine to estimate the degree of confidence in the fused engine based on the measured consensus; a production decision engine, where the production decision engine performs processing to generate a production decision engine output which comprises a classification for the insurance application; and a comparison engine to generate a comparison output, where the comparison engine compares the production decision engine output with the fused decision, and outputs results of the comparison.