Method of determining a risk score or insurance cost using risk-related decision-making processes and decision outcomes

摘要

In one embodiment, a method of generating a risk score, a cost of insurance, or a risk score and a cost of insurance for at least one individual comprises directly monitoring or inferring the risk-related decision-making processes and directly monitoring the resulting decision outcomes for decisions. The method may further comprise correlating risk-related decision-making processes and the decisions with the resulting decision outcomes. In another embodiment, the method further comprises building cognitive maps for one or more individuals, acquiring contextual data related to the decisions, or prospectively determining a probability of outcome for a risk-related situation using the one or more cognitive maps. In one embodiment, the insurance is automobile insurance and data is obtained through telematics and/or a portable device.