Configurable Inference Logic for Insurance Policy Forms
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Solution Overview
Problem
Existing systems for determining relevant insurance policy forms are complex and inaccessible to non-technical users, with logic and criteria stored in infrequently updated computer program code.
Innovation Solution
A system for configuring inference logic for insurance policy forms using user interfaces, where administrators can define selections and mappings of inference rule types to determine which forms to print based on policyholder-specific criteria, utilizing insurance product definition templates and policy instances.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If logic and criteria for determining insurance policy forms are stored in computer program code, then the system can automatically determine relevant forms, but the system becomes inaccessible to non-technical users and difficult to update
Solution Approach 1:
The patent introduces an intermediary layer between the automated code execution and user configuration. This layer includes configuration files and user interfaces that allow non-technical users to define and modify inference logic without directly editing program code. The system parses these configuration files to generate the executable logic, thereby mediating between user-friendly input and automated processing.
Solution Approach 2:
The patent segments the form determination logic into separate, configurable inference rules that can be independently defined and modified. Each inference rule is a discrete unit that can be configured through user interfaces or configuration files, allowing non-technical users to adjust specific rules without affecting the entire system. This segmentation enables modular configuration and easier maintenance.
2Productivity
If logic and criteria are stored in computer program code, then automated processing is achieved, but updating the logic becomes infrequent and complex
Solution Approach 1:
Configuration files serve as an intermediary between user requirements and the executable code. Users can update logic by modifying these configuration files through user interfaces, which then automatically generate or update the corresponding program logic. This eliminates the need for developers to directly edit code for routine updates, significantly easing the update process while maintaining automated processing.
Solution Approach 2:
The patent implements dynamic configuration capabilities where inference logic can be updated without requiring system re compilation or deployment. The system dynamically parses configuration files and adjusts the inference rules in real-time or near-real-time, allowing frequent and easy updates to keep pace with changing business requirements while maintaining high processing productivity.
3Stability of the object's composition
If standardized code is used for form determination, then system stability is maintained, but adaptability to specific policyholder needs is reduced
Solution Approach 1:
The patent segments the inference logic into modular, configurable rules that can be independently tailored to specific policyholder needs. Each rule can be customized with specific criteria, thresholds, and conditions without affecting the overall system stability. This modular approach allows the system to adapt to diverse policyholder requirements while maintaining a stable core processing framework.
Solution Approach 2:
The patent applies local quality by allowing different inference rules to have different levels of specificity and customization. Some rules can be highly tailored to specific policyholder scenarios, while others remain more general. This enables the system to maintain stability through standardized processing while incorporating local adaptations for specific needs through configurable rule parameters and conditions.
Data Source
AI summary
Providing configuration of inference logic for insurance policy forms is disclosed, including: presenting to a user: information associated with an insurance policy form; and a set of inference rule types, each inference rule type specifying a corresponding condition under which the form is to be created; receiving a selected inference rule type; presenting a set of insurance product definition templates; receiving a selected insurance product definition template corresponding to the selected inference rule type, the selected insurance product definition template being selected from the set of insurance product definition templates; and storing a mapping associated with the insurance policy form, wherein the mapping includes at least the selected inference rule type and the selected insurance product definition template.