Data Computing Node for Automated Insurance Claim Settlement

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Solution Overview

Problem

The current process of commercial insurance claim settlement is inefficient and prone to fraud, as it involves manual submission of paper documents and personal provision of medical treatment materials, which can lead to delays and risks of insurance fraud.

Innovation Solution

A data processing method and apparatus that utilize a data computing node connected to first and second data terminals to receive, process, and send query-indexed service event data, enabling secure and efficient computation and settlement of insurance claims through a communication network, potentially leveraging blockchain for security and transparency.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual submission of paper documents and personal provision of medical treatment materials is used, then the insured can submit claim applications, but the process becomes inefficient and cumbersome, taking many days to get compensation

Engineering Contradiction:

Improveclaim settlement efficiencyVSAvoidtime to get compensation

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The patent replaces the manual mechanical process of paper document submission and physical material provision with an automated electronic system. The data computing node automatically obtains service event data from the first data terminal, retrieves policy information from the second data terminal, and performs automated claim settlement calculations, eliminating the need for manual paper handling and significantly reducing processing time

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables self-service claim settlement by automatically gathering required data from connected terminals and performing settlement calculations without requiring the insured to manually submit documents or materials. The data computing node autonomously completes the entire claim processing workflow based on pre-established data connections and settlement rules

Inventive Principle:

Principle #25Self-service

2Reliability

If the insured personally provides medical treatment materials, then the claim application can be submitted, but the possibility of falsifying materials increases, bringing risks of insurance fraud

Engineering Contradiction:

Improveauthenticity of claim materialsVSAvoidinsurance fraud risk

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces a data computing node as an intermediary that automatically obtains service event data from the first data terminal and policy information from the second data terminal. This intermediary system eliminates direct human intervention in data provision, preventing falsification by ensuring data is retrieved automatically from authorized sources rather than manually submitted by the insured

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system replaces the manual provision of materials with automated electronic data retrieval. The data computing node electronically accesses and retrieves service event data and policy information from connected terminals, eliminating the opportunity for physical document falsification and ensuring data authenticity through automated verification

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Ease of operation

If paper documents are used for claim submission, then the insured can provide necessary materials, but the documents are difficult to keep and easy to lose

Engineering Contradiction:

Improvedocument management convenienceVSAvoiddocument loss risk

Core Design Contradiction:

Ease of operationVSLoss of information

Solution Approach 1:

The patent replaces physical paper documents with electronic data stored and transmitted through the data processing system. The data computing node electronically retrieves and processes claim information from connected terminals, eliminating the need for physical document storage and transmission, thereby preventing document loss and improving accessibility

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system creates and maintains electronic copies of all claim-related data through the data computing node, which stores and processes digital versions of service event data and policy information. These electronic copies are preserved in the system without risk of physical loss, theft, or degradation, ensuring continuous availability for claim processing

Inventive Principle:

Principle #26Copying

Data Source

PatentUS11354176B2Data computing logic for execution at a data computing node

Publication Date: 2022.06.07 ADVANCED NEW TECHNOLOGIES CO LTD

AI summary

A data processing system includes a first data terminal, a second data terminal, and a data computing node, where the data computing node is separately in communication connection with the first data terminal and the second data terminal. The data computing node is provided with at least one data computing logic. A method for processing data at the data processing system includes: receiving, by the data computing node, a data computing call application sent by the second data terminal, where the data computing call application includes a query index for target service event data, obtaining the target service event data from the first data terminal based on the query index, running a data computing logic corresponding to the data computing call application, and performing data computing based on the target service event data to obtain a computing result, and sending the computing result to the second data terminal.