US 11,854,088 B1
Methods and systems for improving the underwriting process
Gareth Ross, Amherst, MA (US); and Tricia Walker, East Hampton, MA (US)
Assigned to Massachusetts Mutual Life Insurance Company, Springfield, MA (US)
Filed by Massachusetts Mutual Life Insurance Company, Springfield, MA (US)
Filed on Oct. 25, 2021, as Appl. No. 17/510,367.
Application 17/510,367 is a continuation of application No. 16/655,799, filed on Oct. 17, 2019, granted, now 11,158,003.
Application 16/655,799 is a continuation of application No. 14/581,151, filed on Dec. 23, 2014, granted, now 10,489,861, issued on Nov. 26, 2019.
Claims priority of provisional application 61/920,098, filed on Dec. 23, 2013.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01)
CPC G06Q 40/08 (2013.01) 18 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
identifying, by a server, a set of existing users from an internal database, each existing user having a performance satisfying a threshold based on a set of historic data from the internal database and a set of outcome data retrieved from one or more external databases;
training, by the server, an artificial intelligence model based on a set of decisions made for previously considered customers by each user within the set of existing users and one or more attributes associated with each previously considered customer, the artificial intelligence model configured to emulate decision patterns corresponding to processing of the previously considered customers by each user within the set of existing users; and
upon receiving an input of information of a potential customer, executing, by the server, the artificial intelligence model to generate a new decision for the potential customer.