Richard C Wolf

US Patent:

8321472, Nov 27, 2012

Filed:

Sep 10, 2009

Appl. No.:

12/557147

Inventors:

Richard G. Wolf - Livermore CA, US

Assignee:

Allstate Insurance Company - Northbrook IL

International Classification:

G06F 7/00
G06F 17/30

US Classification:

707803, 707804, 707805, 707807, 707811

Abstract:

ZIP code connection matrices are created for use in insurance ratemaking by identifying common borders of geographically defined regions. ZIP codes and associated cartographic boundaries are read from a database. Pairs of coordinates for the boundaries are stored in a matrix and values are calculated that represent each pair of coordinates in the matrix. The calculated values are stored in an encoded coordinates matrix and used to determine common segments. A connection matrix is formed representing connections among ZIP codes. A neighborhood matrix is then calculated, which stores values that represent an indication of closeness of each ZIP code in the neighborhood matrix to a target ZIP code.