Fire risk and loss assessment system

TWM688145UActive Publication Date: 2026-10-01FUBON INSURANCE CO LTD
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Patent Information

Application Number
TW115205188
Authority / Receiving Office
TW · TW
Patent Type
Utility models
Current Assignee / Owner
Filing Date
2026-06-05
Publication Date
2026-10-01
Estimated Expiration
2036-06-04

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Abstract

This invention provides a fire risk and loss assessment system. The input module extracts multiple fire risk factors from factory data. The calculation module connects to the input module and calculates a basic risk index and interaction parameters based on the fire risk factors to generate a comprehensive risk index. The dynamic coefficient adjustment module connects to the calculation module and includes a coefficient generation model to generate weights for calculating the basic risk index and interaction parameters based on multiple historical factory risk data. The loss conversion module connects to the calculation module and converts the comprehensive risk index into a Maximum Probable Loss (PML) index based on historical factory risk data and corresponding loss results. The output module connects to the calculation module and the loss conversion module and outputs the corresponding fire risk index and PML index based on the comprehensive risk index and PML index.
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Claims

1. A fire risk and loss assessment system, comprising: an input module for inputting factory data and extracting a plurality of fire risk factors from the factory data; a calculation module connected to the input module for weighted calculation of a basic risk index of the factory based on the fire risk factors, calculating at least one interaction parameter for at least two of the fire risk factors, and generating a comprehensive risk index based on the basic risk index and the at least one interaction parameter; and a dynamic coefficient adjustment module connected to the calculation module and including a coefficient generation model for generating weights for weighted calculation of the basic risk index and generation of the at least one interaction parameter based on a plurality of historical factory risk data. A loss conversion module, connected to the calculation module to receive the comprehensive risk index, the loss conversion module being used to convert the comprehensive risk index into a maximum possible loss index based on the historical factory risk data and the corresponding multiple loss results; and an output module, connected to the calculation module and the loss conversion module, being used to output a corresponding fire risk index and a maximum possible loss index based on the comprehensive risk index and the maximum possible loss index.

2. The fire risk and loss assessment system as described in claim 1 further includes a database connecting the dynamic coefficient adjustment module and the loss conversion module, the database being used to store such historical plant risk data and such loss results.

3. The fire risk and loss assessment system as described in claim 1, wherein the dynamic coefficient adjustment module is trained and updated with the parameters of the coefficient generation model using a machine learning algorithm based on the historical plant risk data.

4. The fire risk and loss assessment system as described in claim 1, wherein the fire risk factors include a building structure, a process characteristic, a combustible material inventory, a fire protection system, a maintenance management, an external exposure risk, and a safety management.

5. The fire risk and loss assessment system as described in claim 1, wherein the historical factory risk data includes multiple fire risk factors for multiple past factories, and the loss results include multiple loss data caused by fire accidents at such factories.

6. The fire risk and loss assessment system as described in claim 1, wherein the loss conversion module includes a loss conversion model for generating the maximum possible loss index based on the comprehensive risk index, wherein the loss conversion module is trained and updated with the parameters of the loss conversion model using a machine learning algorithm based on the historical plant risk data and the loss results.

7. The fire risk and loss assessment system as described in claim 1 further includes a visualization module connected to the input module and the output module to receive the fire risk factors, the fire risk index and the maximum possible loss index, the visualization module being used to visualize the fire risk factors, the fire risk index and the maximum possible loss index on a dashboard interface.

8. The fire risk and loss assessment system as described in claim 1, wherein the output module is used to compare a fire risk scale with the comprehensive risk index to output the fire risk index.

9. The fire risk and loss assessment system as described in claim 1, wherein the output module is used to compare a maximum possible loss scale with the maximum possible loss index to output the maximum possible loss index.

10. The fire risk and loss assessment system as claimed in claim 1, wherein the output module is used to extract fire risk factors having a plurality of risk scores from the plant data, each of the risk scores relating to the fire impact degree of each of the fire risk factors.