ALEXANDRIA, Va., Dec. 16 -- United States Patent no. 12,499,489, issued on Dec. 16, was assigned to THE TORONTO-DOMINION BANK (Toronto).

"System and method for determining a driver score using machine learning" was invented by Olivier Gandouet (Montreal), Jean-Christophe Bouette (Montreal), Ghaith Kazma (Laval, Canada), Maxime Lafleur-Forcier (Boucherville, Canada) and Linda Aida (Longueuil, Canada).

According to the abstract* released by the U.S. Patent & Trademark Office: "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 ...