Evacuation Message Parsing with Rules Engine for Property Triggers
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Solution Overview
Problem
Existing systems are inefficient in detecting location-based events like evacuation orders and applying rules engines to determine if parametric insurance policies are triggered, often leading to delayed or manual processes that fail to provide timely funds to insured parties.
Innovation Solution
A computer system that includes a processor and rules engine to automatically detect evacuation orders, parse geographic areas, identify impacted properties, and trigger insurance payouts with notification messages, using various data sources and AI tools to enhance accuracy and speed.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If manual monitoring of evacuation sources is performed, then accuracy of detecting evacuation orders is improved, but time delay and labor requirements increase
Solution Approach 1:
The patent replaces manual monitoring mechanisms with an automated computer system that continuously monitors evacuation sources. The system uses processors to detect, parse, and analyze evacuation order messages automatically, eliminating the need for manual intervention while maintaining high accuracy in detecting evacuation orders and triggering insurance policies.
Solution Approach 2:
The system establishes continuous automated monitoring of evacuation sources through multiple data sources. The computer system operates continuously to detect evacuation orders as they are issued, ensuring no time delay in detection and enabling immediate triggering of parametric insurance policies without manual intervention.
2Ease of operation
If general geographic areas are used in evacuation orders, then ease of issuing evacuation orders is improved, but precision in identifying impacted properties deteriorates
Solution Approach 1:
The patent segments the geographic area identification process into multiple steps: first parsing the general geographic area from the evacuation order, then systematically dividing and refining this area by comparing it against a database of property locations. This segmentation allows the system to maintain the simplicity of receiving general area descriptions while achieving precise property-level identification through computational division and matching.
Solution Approach 2:
The system introduces a computer processor as an intermediary between the evacuation order's general geographic description and the specific property identification. The processor parses the general area, compares it against stored property location data, and automatically identifies impacted properties, thereby bridging the gap between ease of issuing general orders and precision of property identification.
3Speed
If automated detection system is implemented, then speed of detecting evacuation orders is improved, but system complexity increases
Solution Approach 1:
The patent implements a multi-functional computer system that performs multiple tasks through a single integrated platform. The same system that detects evacuation orders also parses geographic areas, identifies impacted properties, determines policy triggers, and initiates fund transfers. This universality reduces overall system complexity compared to having separate dedicated systems for each function, while maintaining high detection speed.
4Productivity
If rapid automated fund transfer is implemented, then productivity of insurance claim processing is improved, but measurement precision of policy trigger conditions deteriorates
Solution Approach 1:
The patent applies preliminary action by pre-establishing parametric insurance policies with clearly defined trigger conditions and predetermined fund amounts before evacuation events occur. The policies are set up in advance with specific criteria (e.g., evacuation order issuance within a geographic area), so when the triggering event happens, the system can immediately and accurately determine policy activation without needing complex real-time assessment, thereby maintaining both speed and precision.
Data Source
AI summary
A computer system for analyzing evacuation order messages. The computer system includes a rules engine and processor programmed to: a) detect an evacuation order message associated with an evacuation authority, b) parse the evacuation order message to determine one or more endpoints of an evacuation area identified in the evacuation order message, c) determine a geographic area between the one or more endpoints, the geographic area defining the evacuation area, d) identify, by applying the rules engine, a property location located within the evacuation area, f) determine, by applying the rules engine, that a parametric insurance policy associated with the property location is triggered, and g) electronically transmit a notification message to an insured party associated with the parametric insurance policy notifying the party that funds associated with the parametric insurance policy have been transferred to the insured party.