{
  "$type": "site.standard.document",
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  "description": "A computer-implemented system and method is provided for determining a risk assessment. The method comprises receiving a plurality of vehicle behaviour data over a defined data collection period. This data is input into a supervised learning prediction model which is trained on historical vehicle…",
  "path": "/patents/1379372",
  "publishedAt": "2026-03-12T00:00:00.000Z",
  "site": "at://did:plc:oql6ds5vnff4ugar6rruliwd/site.standard.publication/3mn3ohu7oxx5w",
  "tags": [
    "G06Q40/08",
    "THE TORONTO-DOMINION BANK"
  ],
  "textContent": "A computer-implemented system and method is provided for determining a risk assessment. The method comprises receiving a plurality of vehicle behaviour data over a defined data collection period. This data is input into a supervised learning prediction model which is trained on historical vehicle behaviour data over a past time period, to generate a predicted value of a frequency of expected claim submissions for the policyholder of the vehicle in a future time period. Then a Shapley estimate is computed for each feature of the behaviour data applied to the model for determining a contribution of each said feature to the predicted value. A spline approximation is applied to the Shapley estimate for each said feature to estimate the contribution of each said feature. Then, a sum of the spline approximation for each said feature is calculated and a corresponding risk score determined based on the sum.",
  "title": "SYSTEM AND METHOD FOR DETERMINING A DRIVER SCORE USING MACHINE LEARNING"
}