Automated Damage Claims Processing with Dynamic Threshold Filtering

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Solution Overview

Problem

Current damage reporting and claims processing systems in multi-level insurance systems are inefficient and prone to errors due to manual data recording and processing, limiting the ability to accurately check and transmit damage reports, especially in cases with unclear legal situations or fraudulent claims, which can lead to prolonged and costly court proceedings and insecurity for investors.

Innovation Solution

A dynamic system with decentralized capturing units and a central unit connected via a network, utilizing a filter module, analysis module, and regulator module to automate the capture, checking, and transmission of damage records, allowing for self-adjusting threshold values and comprehensive automation of the damage reporting and claims processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual data recording and processing is used for damage claims, then device complexity is reduced, but measurement precision and reliability of damage reporting deteriorate

Engineering Contradiction:

Improveaccuracy of damage reportingVSAvoidcomplexity of data processing system

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system divides the damage claims processing into separate functional modules: capturing units for data collection, a central unit for processing and checking, and transmission units for data exchange. This segmentation allows each module to specialize in specific tasks, improving overall reliability while managing complexity through modular architecture.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The central unit acts as an intermediary between capturing units and transmission units, coordinating data flow and performing comprehensive checking. This intermediary role ensures that data is properly validated and processed before transmission, improving reliability without requiring direct complex interactions between all system components.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If comprehensive checking of damage claims is performed, then reliability of claims processing is improved, but processing time and productivity deteriorate

Engineering Contradiction:

Improveaccuracy of damage claim verificationVSAvoidspeed of claims processing

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The system performs preliminary checking of damage claims automatically at the capturing unit and central unit levels before final processing. By conducting preliminary validations early in the process, the system ensures data quality is established beforehand, allowing faster subsequent processing while maintaining comprehensive verification.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The damage claims processing operates continuously through automated data flow from capturing units to the central unit and onward to transmission. This continuous automated processing eliminates interruptions and manual delays, maintaining high productivity while the systematic checking ensures comprehensive verification of each claim.

Inventive Principle:

Principle #20Continuity of useful action

3Productivity

If automated checking of damage claims is implemented, then productivity is improved, but device complexity and system requirements worsen

Engineering Contradiction:

Improveefficiency of damage reportingVSAvoidcomplexity of automated checking system

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The automated checking system is segmented into distinct functional units: capturing units for data collection, a central unit for processing and validation, and transmission units for data exchange. This segmentation distributes complexity across independent modules, improving productivity through automation while managing overall system complexity through modular design.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The central unit serves multiple functions including data reception, comprehensive checking, validation, and coordination with transmission units. This multi-functional design consolidates complexity into a single versatile component, improving productivity through automation while avoiding the need for separate dedicated systems for each function.

Inventive Principle:

Principle #6Universality (Multi-functionality)

4Productivity

If manual checking of damage claims is performed, then device complexity is reduced, but loss of time and productivity worsen

Engineering Contradiction:

Improvespeed of damage claim processingVSAvoidtime for damage claim verification

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The system replaces manual mechanical checking processes with automated electronic data processing. The central unit automatically receives, validates, and processes damage claim data through computer-based operations, eliminating manual intervention. This substitution dramatically reduces processing time while improving productivity, as automated systems operate continuously without human delays.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS8583458B2Dynamic system and method for automated checking and transmitting of damage reports and damage claims

Publication Date: 2013.11.12 SWISS REINSURANCE CO LTD

AI summary

The present invention relates to a dynamic system and a corresponding method for automated checking and transmitting of damage reports and damage claims in multi-level damage coverage systems. The dynamic system comprises decentralized, cellular capturing units with assigned areas for capturing damage records, a central unit being bidirectionally connected via a network to the capturing units. The central unit comprises a filter module for selecting first and second damage records based on assigned threshold values, an analysis module for detecting and eliminating first damage records wrongly captured by means of the capturing units, and a regulator module for dynamic adjustment of the threshold values assigned to the respective areas based on the filtered first damage records. Finally, the filtered first damage records, without wrongly captured first damage records, are transmitted to the processing device and are released for multi-level damage coverage, by means of the central unit.