Patent ID: 8214314

Claim:
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 generates an output result; a fusion engine, where the fusion engine: compares the output results of the plurality of decision engines; and fuses the plurality of output results into a single fused decision; 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 generates a production output result; and a comparison engine, where the comparison engine compares the production output result with the fused decision; and where each of the decision engine output results comprises a classification designation, and the fusion of the output results is based at least in part on a correlation between the classification designations of each of the output results.