Dynamic Insurance Application Workflow System
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Solution Overview
Problem
Conventional insurance software is inefficient, using static forms that fail to adapt to individual insurance requests, leading to duplicate documentation, memory overload, and processor errors, which slow down computing systems and hinder proper functioning.
Innovation Solution
A dynamic electronic insurance application workflow system that utilizes a customization engine to generate customer-specific insurance applications, automatically populate them with non-standardized data, and provide a customized insurance request to insurance companies, thereby streamlining the application and approval process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If conventional insurance software uses static forms for processing insurance requests, then the system structure is simple and easy to operate, but the system generates duplicate documentation, consumes excessive memory, and produces processor errors that slow down computing systems
Solution Approach 1:
The patent transforms static insurance forms into dynamic, adaptive forms that automatically adjust their structure and content based on the specific insurance request. The system dynamically generates customized forms by pulling relevant data from databases and previous communications, ensuring that each form contains only the necessary information for that particular case, thereby reducing duplicate documentation and memory consumption while improving processing speed.
Solution Approach 2:
The system changes the parameters of the forms from fixed/static to variable/dynamic. Forms now have adjustable properties including which fields are displayed, what data is pre-filled, and how the form structure adapts based on the insurance type and customer history. This parameter transformation allows the system to optimize memory usage by only storing and processing relevant data for each specific case.
2Reliability
If conventional insurance software uses static forms, then the system is easy to operate, but it is prone to processor errors that lock computing resources and prevent proper functioning
Solution Approach 1:
The system implements self-service capabilities where the insurance processing system automatically generates, populates, and manages its own forms without requiring manual intervention. The system self-adjusts form content based on database information, automatically detects and corrects data inconsistencies, and manages its own computing resources, thereby improving reliability while maintaining ease of operation through automated workflows.
Solution Approach 2:
The system incorporates feedback mechanisms that continuously monitor form processing, detect potential errors before they cause system failures, and automatically adjust form generation parameters. The system learns from processing patterns and feedback, optimizing form structures to prevent processor errors while maintaining user-friendly operation.
3Productivity
If conventional insurance software uses static forms in serial data gathering fashion, then the process matches human processing methods, but the system is slow and cumbersome to operate
Solution Approach 1:
The system performs preliminary actions by pre-populating forms with data from databases, previous communications, and automated information gathering before the user even begins filling out the form. Relevant information is retrieved and prepared in advance, so users only need to provide new or changed information, dramatically reducing processing time while maintaining efficiency.
Solution Approach 2:
The system implements continuous useful action by running automated data gathering, form generation, and population processes in parallel rather than sequentially. Multiple data sources are queried simultaneously, forms are generated and pre-filled continuously as data becomes available, eliminating idle time and serial processing delays while maintaining smooth operational flow.
4Loss of information
If conventional insurance software generates duplicate documentation with multiple appendix forms, then comprehensive coverage is achieved, but computing systems are bogged down and memory is overutilized
Solution Approach 1:
The system merges multiple appendix forms and duplicate documentation into a single integrated, dynamic form structure. Related information that was previously scattered across multiple forms is consolidated into one cohesive document that automatically includes all necessary details through dynamic field generation and cross-referencing, reducing memory usage while maintaining information completeness.
Solution Approach 2:
The system creates universal forms that can serve multiple functions simultaneously. A single dynamic form structure can adapt to different insurance types, customer situations, and documentation requirements through configurable fields and automated content generation, eliminating the need for multiple specialized appendix forms while ensuring all necessary information is captured.
Data Source
AI summary
A method is implemented by a system including a processor and a memory storing processor executable code for a customization engine is provided. The customization engine generates a customer specific insurance application specific to a first user and provides access to the first user based on an invitation. The invitation include a unique customer link to the customer specific insurance application. The invitation is initiated by an input from a second user. The customization engine dynamically builds and fills-in the customer specific insurance application based on inputs from the first user and on automatically populating customer specific insurance application with non-standardized data to provide a completed customer specific insurance application. The customization engine provides a customized insurance request based on the completed customer specific insurance application to a third user and facilitates insurance coverage from the third user for the first user based on the customized insurance request.