Pre-disaster Banking System for Timely Transaction Execution
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Solution Overview
Problem
Current systems lack effective methods for providing personalized pre-disaster assistance, including banking transactions, preparation actions, and educational messages, to individuals in predicted disaster zones, often due to insufficient location-specific recommendations and timely execution of preparatory measures.
Innovation Solution
A pre-disaster assistance system that includes a system controller with a device processor and non-transitory computer readable medium, capable of receiving location and forecast data to determine and execute banking transactions, preparatory actions, and educational messages tailored to individual users based on their specific situation, with the ability to adjust these determinations in real-time as conditions change.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If general advisories are provided for a geographic region, then information availability is improved, but specificity to individual user situations deteriorates
Solution Approach 1:
The system transitions from providing uniform general advisories to delivering customized disaster preparedness information tailored to each user's specific location, risk profile, and personal circumstances. The system analyzes user-provided data including geographic location, property characteristics, and disaster forecasts to generate location-specific recommendations that address individual needs rather than applying one-size-fits-all advice.
Solution Approach 2:
The system enables users to actively participate in their own risk assessment by providing personal information about their location, property, and concerns. Users input data about their specific situation, and the system automatically generates customized preparedness plans and advisories based on this self-provided information, making the service adaptive to individual needs without requiring manual customization for each user.
2Reliability
If residents wait for formal disaster declarations before taking preparatory actions, then false alarms are avoided, but timely preparation deteriorates
Solution Approach 1:
The system performs preliminary analysis of disaster forecasts and risk data before formal disaster declarations are issued. By continuously monitoring weather patterns, disaster forecasts, and risk assessments, the system can trigger preparedness alerts and recommendations in advance, allowing residents to take preparatory actions before official declarations while maintaining accuracy through data-driven forecasts rather than reactive responses.
3Extent of automation
If automated banking transactions are executed without user input, then system automation is improved, but user control and customization deteriorates
Solution Approach 1:
The system implements dynamic automation where the level of automated action adjusts based on user preferences and situation severity. Users can configure their desired level of automation for different types of transactions and preparedness actions, allowing the system to automatically execute routine tasks while maintaining user control for critical decisions. The system adapts its automated behavior based on real-time disaster forecasts and user-specific risk assessments.
Data Source
AI summary
A pre-disaster banking system including a mobile conditions monitoring center including a vehicle having a system controller including: a device processor and a non-transitory computer readable medium including instructions to perform the following steps: receiving location data from a personal electronic device of a user; receiving forecast data regarding a predicted disaster; making a first determination, based on the received location data and the received forecast data, that the personal electronic device is located in an area that is expected to be affected by the predicted disaster; receiving banking information for the user; making a second determination that the user is scheduled to receive a payroll deposit that could be affected by the predicted disaster; and determining, based on the first determination and the second determination, a banking transaction to be executed for the user at a predetermined time relative to the predicted time of occurrence of the predicted disaster.