US 12,321,869 B2
Constructing a statistical model and evaluating model performance
William Francis Bradley, Arlington, MA (US); and Katherine Esther Dalis, Saint Simons Island, GA (US)
Assigned to Cambridge Mobile Telematics Inc., Cambridge, MA (US)
Filed by Cambridge Mobile Telematics Inc., Cambridge, MA (US)
Filed on Jan. 29, 2021, as Appl. No. 17/163,229.
Prior Publication US 2022/0245492 A1, Aug. 4, 2022
Int. Cl. G06F 17/00 (2019.01); G06F 16/901 (2019.01); G06F 18/21 (2023.01); G06N 7/01 (2023.01); G06N 20/20 (2019.01); G06Q 10/0635 (2023.01); G06Q 40/08 (2012.01); G06V 10/75 (2022.01)
CPC G06N 7/01 (2023.01) [G06F 16/9024 (2019.01); G06F 18/2163 (2023.01); G06F 18/217 (2023.01); G06N 20/20 (2019.01); G06Q 10/0635 (2013.01); G06Q 40/08 (2013.01); G06V 10/751 (2022.01)] 10 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, by at least one processor, telematics data and insurance claims data for a population of drivers;
generating, by the at least one processor, a training dataset based on the telematics data, the training dataset including:
values for a proxy variable derived from the telematics data, and
values for one or more features derived from the telematics data for predicting the proxy variable;
generating, by the at least one processor, a testing dataset based on the telematics data and the claims data, the testing dataset including:
values for a target variable derived from the claims data, and
values for the one or more features derived from the telematics data;
generating, by the at least one processor, a statistical model using the training dataset, the statistical model configured to predict values of the proxy variable from values of the one or more features; and
validating, by the at least one processor, the statistical model using the testing dataset.