JP2004501418A - Comprehensive risk assessment system and autonomous method of underwriting using the system - Google Patents

Abstract

The disclosed system is executable on a general-purpose computer and includes a plurality of risk modeling software engines, a model data conversion engine, and a rating engine. The risk modeling software engine provides an assessment of each property loss risk factor and creates model result data based on the location-specific description of the given property. The model data transformation engine stores a plurality of insurance aptitude profiles, each defining a respective set of predetermined loss risk factor based criteria, each of which corresponds to an insurance source. A model data conversion engine is coupled to receive the model result data, transforms the model result data against a predetermined set of loss risk factor based criteria, compares and selects a predetermined insurance source. Act to select eligible insurance sources. The rating engine is coupled to receive the model result data and a predetermined insurance source, and autonomously creates a location-specific insurance suitability rating for the predetermined property based on the model result data.
[Selection] Figure 2

Description

【００３０】
本発明のある好適な実施例では、初期財産開示情報は、財産を曖昧さのない座標システムで識別するため、地勢コーディングエンジンで処理される。次に、この位置付け情報は、現地にある建造物を記述する利用可能な情報と共に、損失事象エンジンに個別の入力データとして直接送られる。即ち、位置付け情報は、特別に、値、地勢的等級地区、地域区画又はこの他の一般的認定要因によって集計されることはない。この位置付け情報は、同様に、個別に認定エンジンにも送られる。従って、認定エンジンによって作成された情報は、分析されている特定の位置と建造物に基づいており、或いはそれに関して求められる。
【００３１】
損失事象エンジンは、位置付け及び建造物データを使って、そのソフトウェアモデルを初期化する。必要に応じて追加の入力データも、認定エンジンから入手される。モデリングオペレーションで使用される他のデータは、個々のエンジンに専用のデータベースに記憶される。例えば、地震エンジン７０は、その場所を既知の断層に関係して位置付け、特定の断層破壊の起こりそうな頻度と激烈さをモデル化するのが望ましい。この分析の一部として、地震エンジン７０は、地図情報エンジン７６から得られた情報に依って、目標の場所に関して既知の断層を物理的に位置付け、目標の場所と特定の断層との間の距離を求める。例えば、地図情報エンジン７６は、アルキスト−プリオロ断層危険地域を識別するデータを提供し、これを使って、目標の場所が既知の断層破壊地区の内側にあるかどうかを簡単に求めることができる。
【００３２】
地震エンジン７０が直接アクセスできるその他のデータには、土壌データと、目標の場所と近くの断層に在る地質学的構造を記述するデータが含まれる。このその他のデータは、その場所の地質学的な特性、例えば下層の土壌のタイプと地震の挙動に対する応答性、及び、何らかの特定の事象に応答して目標の場所に生じる揺れのレベルを増幅するかもしれない、目標の場所と別の選択された断層の間に拡がる大地の組成を求めるのに使用するのが望ましい。
【００３３】
この様に、地震エンジンは、特に目標の場所に関して広範囲な詳細出力情報を提供することができる。この情報には、１）目標の場所の土壌のタイプ、２）その場所から直近の既知の断層までの距離、３）その直近の断層の名称、４）その場所から、目標の財産に対する最大の損害の恐れを供する直近の既知の制御断層までの距離、５）規定された期間内に制御断層で予想される最大の事象の強さ、６）制御断層での事象に応答して予想される目標の場所での平均の揺れレベル、７）制御断層上での事象に応答して目標の場所上の建造物が被る予想損害レベルに関する多くの統計値、８）全ての既知の断層上の全ての事象の結果として目標の場所上の建造物が被る、可能性のある損害レベルに関する多くの統計値、９）目標の場所からの距離、断層名、最大予想事象の大きさ、１０個の直近の断層それぞれに関する、最大予想事象によるその場所における揺れのレベル、が含まれているのが望ましい。同様にして、個々の危険性エンジン６８−８６はそれぞれに、特定の財産の特定の座標位置に基づいて作動する。全てのエンジン６８−８６で使用され、少なくとも損失事象エンジン６８−７４で最終的に作成された情報の位置特異的特性は、危険性エンジン６６のオペレーションを通して維持される。
【００３４】
本発明の危険性エンジン６６で作成された詳細且つ位置特異的情報は、モデルデータ変換エンジン９０を通して処理される。このエンジン９０は、先ず、危険性エンジン６６で作成されたデータを、保険引き受けエンジン９４と等級エンジン９６で評価できるコンパイルされたデータセット９２に処理するように作動する。このコンパイルされたデータセット９２は、顧客ユーザーと結び付けて後に参照するのに備えてユーザーデータベース６４に記憶されるのが望ましい。
【００３５】
本発明のこの好適な実施例では、保険引き受けエンジン９４は、特別な保険契約の発行に対して異なる保険引受人の基本的規準を確立する保険引き受けプロフィールのセットを記憶して、その上で作動する。モデルデータ変換エンジン９０は、保険引き受けエンジン９４と協働作業して、危険性エンジン６６で作成された詳細データを適合させ、フィルターを掛け、情報が特定の保険引き受けプロフィールの規準にマップされているデータセットを作成する。この様に、特定のプロフィール規準が、危険性エンジン６６で作成された詳細情報を参照することで直接的に解明できない場合でも、本発明によれば、整合されフィルターの掛けられたデータセットが、プロファイル規準に対して直接的に評価できる様式の関連データを含有している。例えば、特定の保険引受人の保険適性プロフィール規準は、目標の財産が、例えば修正メルカリ震度階（ＭＭＩ）８．５のような、指定された地震震度の特定の値を超える揺れレベルに曝されないことを要求するかもしれない。この規準は、更に、財産上のどの様な建造物も、保険引受人の定義した技術用語で、閾値揺れレベルで起こりそうな損害のレベルを反映した「グレードＹ」等級を有することを要求するかもしれない。
【００３６】
本発明のある好適な実施例では、地震エンジン７０は、保険適性プロフィールで指定されたのと同じ揺れの尺度を用いて揺れレベル値を直接的に作成することができる。別の尺度での他の揺れレベル値も、他のプロフィールで使用できるように作成することができる。更に、地震エンジン７０は、建造物に関するパーセンテージ様損害の１つ又は複数の異なる特性を作成することができる。
【００３７】
保険プロフィールの揺れ規準と地震エンジン７０により作成されたデータとの間の直接的対応は存在するが、建造物が「グレードＹ」等級プロフィール要件を満足するか否かを決めるための直接的データ対応は存在しない。本発明によるモデルデータ変換エンジン９０は、保険適性プロフィールに対して考慮すべき特定の揺れデータを識別するばかりでなく、地震エンジン７０によって作成された適切な又は最も近く匹敵するパーセンテージ損害特性と保険引受人が特別に定義した損害等級尺度との間の受入可能な変換も提供する。変換の複雑さによっては、ある特定の保険引受人に関する変換の定義は、特定の保険引受人に関して定義された、変換ルール及びデータのデータベース９８から作動する、単純なビジネスルール又は複雑なエキスパートシステムプロセスとして実行することができる。
【００３８】
モデルデータ変換エンジン９０による整合されフィルターの掛けられたデータセットの産出物を使って、保険引き受けエンジン９４は、一連の保険適性規準プロフィール比較を行って、適格性のある保険引受人を識別する。適格性のある保険引受人の識別とデータセットは、次に、等級エンジン９６に送られる。データセットに基づいて、異なる保険引受人に対して提案される保険プレミアムが作成される。本発明の好適な実施例のオペレーションにおけるこの時点でのこの作成は、初期財産開示６２でユーザーの提供した情報が、保険に供される財産及び建造物を完全に記述するには一般的には不十分なので、見積プレミアムである。
【００３９】
適格性のある保険引受人と提案されたプレミアムとは、危険性エンジン６６の実行を通して識別された危険性の要約説明と共に９２コンパイルされる。このコンパイルされた情報は、次に、顧客ユーザーに予備的な結果表示１００として提示されるのが望ましい。
【００４０】
財産の可能性のある保険適性と等級の評価を含む、所与の財産のリスクアセスメントは、この点について説明したように、インターネット１４経由で何れの顧客ユーザー１２もアクセスできる自由公共サービスとして提示されるのが望ましい。図３に概括的に示すように、このプロセスを続けると、包括的リスクアセスメントの開発と保険に関する公式の見積の表示に対する料金の支払いを課されるようになっているのが望ましい。しかしながら、料金の要件は基本的なものではなく、むしろ、保険の申込みを完成させるために保険引受人が所望又は要求する第３者のサービスのコストをカバーする方法として単に好ましいだけである。この料金は、要件を満たした保険の申込みが締結のための提出される場合は、差し控えるのが望ましい。
【００４１】
顧客ユーザーが、予備的結果表示１００から、保険担保範囲に関する公式な見積を所望する旨表示した場合は、顧客ユーザーには詳細な財産開示画面１１２が提示される。顧客ユーザーは、本発明の好適な実施例では、顧客ユーザーの完全な身元確認情報、少なくとも料金を支払うための電子資金転送を可能とするに足る情報、保険に供する財産の詳細な識別情報を入力するよう求められる。この識別情報は、保険でカバーしたい財産と全ての建造物に関する個別の特性を確立するに十分なものであるのが望ましい。建造物の状態、環境、構造、並びに、過去の保険担保範囲及び行われた請求に関する追加の情報が、詳細な財産開示の一部として得られる。この様に、本発明の好適な実施例では、財産の識別は、表２に示すような一般化された一組の質問を通して入手するのが望ましい。
【００４２】
【表２】
表２：詳細な財産の記述

【００４３】
詳細な財産の開示を通して集められた情報は、コンパイル１１４され、ユーザー記録と関連付けてユーザーデータベース６４に記憶される。本発明の好適な実施例では、この財産データのコンパイル１１４は、アクセスする公共のデータベース１１８によってチェックされ補足１１６される。しばしば電子的に利用可能な、公共の損害査定官によってコンパイルされた情報は、しばしば、特定の財産の土地境界線及び境、区画サイズ、地役権データを含む財産情報と、建造物の年齢、構造のタイプ、地域区画、使途データを含む建造物情報を保有している。権利証書及び抵当権実行状態のようなこの他の情報は、特定の財産に関してコンパイル１１４された詳細な財産開示情報を補足するためにチェック１１６し使用することができる。
【００４４】
商業的サービス１２０、１２２は、詳細な財産開示１１２を完成するため特定の情報をチェックするのに利用することができる。これらのサービスには、請求履歴データベースサービス１２０が含まれており、特定の財産に関する保険と請求の履歴をチェックすることができる。他のサービス１２２にアクセスして、特定の保険に対する申請の信用度をチェックすることができる。これらの商業的なサービスを使用するための料金は、電子商取引の実行を通してクレジットカード決済サービスによって保険申請人に請求されるのが望ましい。先のように、これらのサービスを通して得られた情報は、クレジットカード取引の詳細と同様、ユーザー記録と関係付けてユーザーデータベース６４に記憶される。
【００４５】
本発明の詳細な財産開示プロセスを通してコンパイル１１４された情報は、極めて詳細で、実質的に多くの点で、保険契約の仮締結のために商業的保険業者が必要とする詳細さのレベルを超えている。一般的には、締結は、関係する財産記録の手作業の吟味を通して財産の精査を行うことで、そして多くの場合、実際の物理的財産を精査することによって決められている。この精査は、保険業者に対する相当な、しかし恐らくは間接的なコストを表わしている。本発明は、詳細な財産精査の必要性に関わる現在の保険引き受け手続を完全にサポートするものであるが、本発明は、更に、完全にでなければ実質的に、従来型の財産精査記録吟味部分を取り除くことのできる、より詳細な初期財産評価をサポートする。
【００４６】
このように、現在の保険引き受け手続をサポートするに際して、先に集めてモデルデータ変換された危険性データセットを含めて、特定の財産に関してコンパイルされたデータは、目標の財産と建造物を、保険引き受けエンジン１２６に既知の保険引受人の保険引き受け規準に対して正式に認定するために、保険引き受けエンジン１２６に提出される。適格性のある保険引受人の識別と目標の財産に対する保険引受人特定の保険等級を決めるのに関係するコンパイルされた財産情報は、次に、等級生成エンジン１２８に送られるのが望ましい。煙検知器とスプリンクラーの有無、建造物基礎のタイプ、建造物の年齢のような一般的な等級認定は、従来通りのやり方で評価され、識別された保険引受人それぞれに関して財産に対する保険等級が作成される。出来上がった等級情報は、次に、再びコンパイル１１４された財産情報に追加される。１つ又は複数の保険引受人からの公式見積は、ここで、顧客ユーザーに表示１３０されるのが望ましい。或いは、目標の財産が何故保険適性がないのかについての説明が、顧客ユーザーに表示１３２される。
【００４７】
本発明によりコンパイル可能な実質的に非常に詳細な情報を使用すると、手作業による財産記録の精査の必要性を低減又は排除できる可能性があり、又は恐らく非常に相当に、財産のリスクアセスメントの精度と包括性を増すことができ、従って、最終的な財産の保険等級の精度と信頼性が上がり、危険性の再評価１２４を、詳細な財産の開示プロセスを通して得られる財産情報の完全にコンパイルされたセットを使って行うことができる。危険性再評価１２４は、危険性エンジン６６に対する財産と建造物に関係するデータの再提出を伴うものであるのが望ましい。この様に、初期に挙げた例に比較して、地震エンジン７０には財産と建造物に関するより詳細な情報が備えられており、それによって、何らかの特定レベルの揺れによって起こりそうな損害のより詳細なモデリングが可能となる。再評価の一部として提供される詳細な情報は、建造物が１階建てか多階建てか、基礎と構造剪断壁の改修年齢、選択又は建築コード要件によって再構築されたかもしれない建造物のパーセンテージ又は部分を含んでいるのが望ましい。この追加の詳細な情報を使えば、地震エンジン７０は、地震の際に最大の起こりそうな損害の相当により正確な予測を作り出すことができる。同様に、コンパイルされた詳細な財産情報を使えば、風、火事、洪水モデルエンジン６８、７２、７４は、損害を予測する際の精度を大幅に改善することができる。
【００４８】
本発明の別の実施例によれば、包括的リスクアセスメントの精度は、個々の危険性エンジン６８−７４により作成されたリスクアセスメントを、サポート及び認定エンジン７６−８６により提供される情報と組み合わせて同時評価することによって著しく改善される。即ち、何らかの特定の損失事象から生じる、可能性のある最大の損失は、一次的及び二次的危険事象から決定されるのが望ましい。一次的危険事象は、損失事象の直接的原因であると考えられ、損失事象に対する可能性のある最大の損失の最大の構成要素の直接的ソースとなる場合が多い。この実施例では、一次的危険によって引き起こされるか又は一次的危険に続いて生じるかの何れかである二次的危険も、損失事象による、可能性のある最大の損失に対する、対応する二次的な総計的寄与を定めるために評価される。
【００４９】
この総計リスク分析は、従って、目標の財産及び建造物に対する保険を引き受ける際に、保険引受人に対してリスク・エクスポージャの非常に正確なアセスメントを提供する。総計リスク分析の特異的性能は、個々の危険性エンジン６８−８６により製作された詳細な危険性アセスメントデータに高度に従属する。ルールベースのモデリングシステム又は他のエキスパートシステムは、異なるリスクシナリオを検討して評価し、異なる損失の尤度を求めるために利用されるのが望ましい。代表的シナリオとしては以下のようなことが挙げられる。
【００５０】
１．目標の財産に対する近接度と高度に基づいて、既知の環境的に危険な場所における異なる洪水レベル及び洪水環境の影響を評価することによって、環境危険性と結び付けた洪水危険性の、可能性のある損失効果を考慮して、洪水事象の間における目標の場所の毒性汚染の可能性と特性の識別とリスク分析を行う。
２．目標の財産に対する地勢的高低、近接度、表面勾配、土壌タイプ、地質学的構成を、目標の財産上の井戸における地下水汚染に対するリスク・エクスポージャを定めるためのベースとして評価することによって、離れた環境危険による可能性のある損失効果を考慮する。
【００５１】
３．断層破壊を、地滑り、液状化のような他の土地機能不全と結び付けて、更にできれば、目標の財産近傍の環境的に危険な場所の近接度及び特性と結び付けて、それによる可能性のある損失効果を考慮して、特定の地震事象による損失リスクの包括的分析を行う。
４．目標の財産が、ａ）藪火事の危険性と土地機能不全の危険性の両方のような複数の危険性に曝されることによる可能性のある損失効果を考慮して、藪火事に続いて地滑りが生じる可能性をより正確に評価できるようになり、そしてｂ）建築物のタイプ、建造物の密度、藪地又は商業／工業建造物への近接度によって認定された断層破壊と火事の危険性のような複数の危険性に曝されることによる可能性のある損失効果を考慮して、郊外の原野又は工業地区に、ガス施設のパイプラインが破損したことによる地震に続いて大火の生じる可能性をより正確に評価できるようになる。
【００５２】
本発明により提供される異なるレベルのリスクアセスメントの処理オペレーション１４０を、全体的に図４に示す。ここではレベル１分析と呼称するが、現在の保険引き受け手順では、コンパイルされたデータ１１４が、先に作成された危険性エンジンモデルのデータ変換されたデータセットを含めて、保険引き受けエンジン１２６に直接供給される。レベル２分析では、コンパイルされたデータ１１４は、再評価１２４のために危険性エンジン６６に再供給される。結果として得られた詳細な危険性を記述した情報は、モデルデータ変換エンジン９０に供給される。記憶されているか又は保険引き受けエンジン１２６を通してアクセス可能な、異なる保険プロフィール規準に基づいて、モデルデータ変換エンジン９０は、危険性エンジンの作成したモデルデータに基づきモデルデータ変換データセットを再度開発する。これらのデータセットは、先に作成されたデータセットとは、目標の財産の保険引き受けに関する受容度を決めるために、保険引き受けエンジン１２６のオペレーションにおいて少なくとも随意的に考慮される追加情報を含んでいるという点で異なっているのが望ましい。この追加情報は、更に、等級生成エンジン１２８に送られ、そのオペレーションにおいて更に十分に考慮される。具体的には、等級生成エンジン１２８は、この追加情報を、特に所謂保険割増金を確認するプロセスで利用するが、この保険割増金は、保険対象の財産又は建造物の特異的特性に対する財産に関する基本プレミアムレート又は等級を調整するために使用される保険プレミアムの追加額として表現されている。
【００５３】
レベル３分析では、再評価１２４を通して作成された危険性データ、他のコンパイルされたデータ、モデルデータ変換データセットを、総計危険性モデルエンジン１４２が利用できるようになっている。このエンジン１４２は、本発明による総計的危険性分析を実行するルールベース又はエキスパートシステムのエンジンを実現する。総計的分析の結果は、再度、保険引き受けエンジン１２６に送られるが、保険引き受けエンジン１２６と等級生成エンジン１２８が使用できるモデルデータ変換データセットと拡張データの様式であるのが望ましい。
【００５４】
各レベルの分析と共に、等級生成エンジン１２８は、考慮されている各保険業者毎に公式の保険等級を作成するように作動する。図５に全体的に示すように、等級情報を得るプロセスは、本発明の好適な実施例では、多数の可能性のあるソース全てからのアクセス情報をも含んでいる。追加情報を所望するか否かの決定は、具体的に確認された保険業者と、等級生成エンジン１２８が利用できる異なる情報アクセスチャネルの知識によって決まる。一般的な保険標準等級スケジュール１５２は、等級生成エンジン１２８がローカルにアクセス可能である。等級生成エンジンには、異なる保険引受人か又は特定の保険引受人の活動をモニターしている公の代理人かの何れかにより提供されている、公に利用可能な等級スケジュールに対するアクセス１５４が設けられている。等級生成エンジンは更に、特定の保険引受人とその代理店及び仲介業者両方の会員制度を通して、これら特定の保険引受人に関する等級情報の詳細な要約を提供する第３者商業サービスにアクセスすることができる。保険引受人の中には、特に等級情報を入手する目的での自身のコンピュータシステムへのアクセスを、信頼するミドルウェアシステム１５８をサポートして、又は所有権のあるインタフェース１６０経由で直接接続によって提供するものもある。最後に、現在利用できなければ、将来、保険引受人は、その等級スキーム又はスケジュールを、認可された代理店及び仲介業者に、ＸＭＬ流通のような上手く定義された標準様式で、その代理店及び仲介業者の使用に備えて提供することになるであろう。これらの流通１５４は、収納場所を通して、又は異なる保険引受人が操作する場所から直接に、電子的に利用可能であることが望ましい。
【００５５】
特定の保険引受人により提供される等級情報を入手するために使用される特定のチャネルに関わりなく、等級生成エンジン１２８は、財産識別、関係データセット、あらゆる提供される追加情報を、レベル２及びレベル３財産評価の場合のように利用して、目標の財産及び建造物に対する対応する保険等級を作成するのが望ましい。この情報は、保険引き受けエンジン１２６から作成された情報としてもコンパイル１１４され、ユーザー顧客記録と関連付けてユーザーデータベース６４に記憶され、公式な見積表示１３０の一部として提示される。
【００５６】
本発明の好適な実施例に関して、目的の財産に対する最終の契約締結プロセス１７０を図６に示す。公式の見積表示１３０から、顧客ユーザーは、購入１７２に向けて特定の保険契約を選択することができる。保険契約選択の確認と購入の決定に際しては、保険の締結を保証するのに必要な資金を得るために、従来型のオンラインクレジット取引が開始される。選択された保険引受人には契約締結が通知１７８され、対応する保険の申込みが提供される。次に、クレジット取引、保険の申込み、及び少なくとも条件付の保険の申込みに対する受付の確認が、顧客ユーザーと保険引受人に、郵送か又は電子メールのようなもので送信１７６される。最後に、保険契約書のハードコピーも、通常、保険請負人から顧客ユーザーに提供１８０される。
【００５７】
以上、目標の財産に関するリスク・エクスポージャの包括的分析を提供するシステムと方法、並びにこれらのリスクに関する保険の引き受けに対する基礎として表現されたリスクを自律的に評価するシステムと方法について説明してきた。
【００５８】
本発明の好適な実施例の上記記述の観点から、開示された実施例に関して数多くの変更及び派生を行い得ることは、当業者には容易に理解頂けるであろう。従って、特許請求の範囲に述べる範囲内において、本発明は、上記特記以外にも実施できるものと理解されたい。
【図面の簡単な説明】
【図１】
本発明の好適な実施例を実施するシステムを含む、財産リスク分析及び保険引き受けを実行するための多数の異なるシステムを示す。
【図２】
本発明の好適な実施例に関する、最初の、位置特異的危険性リスク分析及び表現システムを示す。
【図３】
本発明の好適な実施例に関する、詳細な、位置特異的危険性リスク分析、表現及び保険引き受けシステムを示す。
【図４】
保険業者の特定財産アセスメントプロフィールに変換可能な、詳細な、位置特異的危険性リスク分析を開発するシステムとプロセスの詳細図である。
【図５】
位置特異的保険引き受けパラメータに基づく等級データを開発するシステムとプロセスの詳細図である。
【図６】
財産危険性の位置特異的分析に基づく署名されたリスク保護保険契約を締結するプロセスを示す。[0001]
(Technical field to which the invention belongs)
The present invention is generally capable of autonomously creating a location-specific loss exposure-based rating in a risk assessment system used to assess insurance-eligible loss exposures. Regarding a comprehensive risk analysis system.
[0002]
(Explanation of related technology)
Insurance of personal property, including personal property, especially real estate and buildings built thereon, is widely organized through cooperative agreements between agents, property inspectors, intermediaries, insurers and others. Has been These parties provide insurance contract guarantees, which can vary greatly depending on the circumstances of any particular loss event, and many other basic services in subsequent work, but determine and underwrite insurance contracts. The overall process of doing so is relatively constant. The agent for a particular underwriter or group of underwriters evaluates property and buildings for insurance aptitude based on threshold criteria set by the underwriter. These threshold criteria generally include basic distinguishing factors, such as size, geographical area, whether the area is known to be at risk of a natural disaster, and the age, type, And a rather rough assessment of price assessments. If the property meets or meets these insurance eligibility criteria, the selected underwriter sets the insurance class and, therefore, seeks the premium to be claimed for underwriting the particular property, A somewhat large estimate of the estimated maximum loss (PML) is made. The PML's decision on property is usually treated as an assessment of the likely cost in response to a particular loss event. For example, this value is usually determined simply as the replacement cost of restoring property in the event of a flood or rebuilding a building after a fire. Next, an insurance grade is determined based on an insurance statistical analysis of the likelihood of any individual loss event.
[0003]
Computerization of the underwriting process has been done in various ways. Various programs have been developed to automate the application process. Agents are now able to gather property-related information by reviewing externally available information into electronic application forms. In this way, the threshold criteria set by the underwriter or group of underwriters directly reveals the information agents need to gather when initiating the underwriting process.
[0004]
Programs have also been developed to help determine whether a particular property is at risk of a natural disaster. Given the address of the property, usually once converted to latitude and longitude, the computer system evaluates a public or commercially available proprietary terrain map database and assigns the property to the designated It is determined whether the vehicle is within the natural risk area. It is known that there is a general map database for the risks of floods, earthquakes, tornadoes, and other natural disasters.
[0005]
It is also known to have a database containing regional parcels and other architectural information. In one example, these databases have been developed by government agencies responsible for collecting and disseminating the corresponding information and have been made accessible to the public. It is also known that there is a proprietary database containing more extensive information on regional parcels and architectural data, which has been made commercially accessible.
[0006]
The various programs used to access and evaluate the information contained in these public and proprietary databases are usually dedicated to the analysis of the corresponding form of retrieved data. I have. Even between different databases that provide similar information, the range and detail of the information generated from those databases usually forms some form of rather specialized evaluation.
[0007]
Conversely, however, the degree of sophistication of the various underwriters in establishing their basic insurance eligibility criteria is relatively small compared to the level of information obtained from detailed analysis of one or more different databases. If low. This is, at least in part, due to the well-known complexity of attempting to fully analyze the available terrain data, especially because the representations from different databases are inherently complex. Another factor is that insurance against possible future losses is essentially a statistical analysis of risk events.
[0008]
The importance of assessing any particular risk, whatever, is further reinforced by the underwriting pool system. The details of any particular loss are of little importance when compared to the overall or average risk exposure of a large insurance pool. In fact, complex analysis systems exist to assess the portfolio risk exposure of an insurance pool for a particular loss event. Management of risk exposure at this level occurs independently of the location of the particular insured property, despite often utilizing good computerization and detailed analysis.
[0009]
In the end, it is capable of autonomous operations, capable of identifying eligible underwriters for a particular property and ancillary structure and effectively providing a comprehensive risk analysis suitable for developing its suitability class A system is needed.
[0010]
(Summary of the Invention)
Accordingly, it is a general object of the present invention to provide a comprehensive risk assessment system that supports the identification, eligibility and grading of a particular property, capable of performing fully autonomous operations.
[0011]
This is achieved in the present invention by providing a system that is executable on a general-purpose computer that includes a plurality of risk modeling software engines, a model data conversion engine, and a rating engine. The risk modeling software engine evaluates each property loss risk factor and generates model result data based on the location-specific description of the given property. The model data transformation engine stores a plurality of insurance aptitude profiles, each corresponding to one insurance source, defining each set of predetermined loss risk factor based criteria. The model data transformation engine is coupled to receive the model result data and selects an appropriate insurance source by providing an adaptive transformation and comparison of the model result data against a predetermined set of loss risk factor based criteria. To select a predetermined insurance source. The rating engine is coupled to receive the model result data and the predetermined insurance source, and then autonomously generates a location-specific insurance suitability rating for the predetermined property based on the model result data.
[0012]
An advantage of the present invention is that a comprehensive, site-specific risk assessment of the potential damage to property can be made autonomously. A risk assessment is of a quality and character that autonomously guarantees insurance protection against these potential damages.
[0013]
Another advantage of the present invention is that it manages the underwriting profiles and autonomously performs a selective mapping of risk assessment data to these underwriting profiles to identify and fully identify particular assets with respect to insurance by a particular underwriter. To be eligible.
[0014]
Yet another advantage of the present invention is that it has been created to determine whether the present invention passes a threshold acceptance criterion for a particular underwriting profile that has some specific eligibility requirements if not unique. To provide an autonomous interpretation of risk assessment data.
[0015]
Yet another advantage of the present invention is that the quality and characteristics of the risk assessment data support varying levels of refinement to acceptance criteria, and allow underwriters to differentiate between losses and potential losses associated with a particular property. To provide underwriting services based on better risk assessments.
[0016]
Another advantage of the present invention is that the risk assessment data is generated on a site-specific basis and is completely valid. The risk assessment data generated for an individual risk is statistically valid within the statistical range defined by the particular property and risk characteristics. Thus, shared dependencies between individual hazards or in modeling individual hazards do not change the validity of the generated risk assessment data.
[0017]
Yet another advantage of the present invention is that risk assessment data generated from a number of independent risk models are collectively processed to define the potential loss and damage to define the exposure of a particular property. The ability to produce fully integrated risk assessment data that reflects the combined factors.
[0018]
Yet another advantage of the present invention is that a system embodying the present invention can be used to identify and select the most cost-effective coverage of a particular property with adequate protection. Changes in the underwriting profile, whatever the underwriting grade, are autonomously detected and can be used to initiate or resume a ranked selection of the underwriting profile for a particular property. Once announced, the property beneficiary can, in principle, accept and conclude a new or revised insurance contract with a single click, if not currently.
[0019]
(Detailed description of the invention)
The above and other advantages and features of the present invention will become better understood with reference to the following detailed description when read in conjunction with the accompanying drawings. Throughout the drawings, similar parts are denoted by similar reference numerals.
[0020]
In a preferred embodiment, the present invention provides a comprehensive risk assessment of the limited property and its associated structures, along with the selection of underwriters and insurance coverage for the limited property. With the autonomous operation and comprehensive features of the present invention, a typical individual customer user can access a running computer system, identify insurance-eligible property and affect the property's insurance eligibility and insurance rating An initial assessment of the risk factors that affect The present invention further allows for the automatic selection of one or more qualified insurers for the property under consideration by the customer user, the selection to develop a corresponding insurance grade, and support. I do. Finally, the present invention allows a customer user to appoint any underwriter selected by the customer user to fully enter into an insurance contract.
[0021]
As shown generally in FIG. 1, a group of systems 10 is accessed by a customer user system 12 via a communication network 14. This network 14 may be a proprietary wide area or point-to-point connection, or may be established over the Internet 14 or other similar public wide area network in connection with the preferred embodiment of the present invention. A secure network connection is desirable.
[0022]
In the case of a proprietary insurer system 16, the customer user is typically an agency or intermediary. The customer user operates, directly or indirectly, the computer system 18 to run the proprietary software application 20 and gather the specific information required by a particular underwriter. The private database 22 is typically used in conjunction with the application 20 to review a set of proprietary risk factors before accepting an insurance application. Although the agency / broker must not only provide the specific information required for the application in the specific form and format required, the system 16 typically provides a printout of a qualified insurance application. Only provide. Further agency / broker services are required to complete the underwriting process.
[0023]
Other prior art computer systems, such as computer system 24, directly support the process of actually entering into an insurance policy. The computer system 26 executes a proprietary application 28 that also operates the private database 30 to support the preparation of an electronic application for insurance. As before, application 28 requires that information relating to a particular property be provided in a particular format and format. The information requirements of the application 28 are predefined as a compliant processing system employed by or for a particular underwriter or group of underwriters. Therefore, the application cannot accept property information in a style or format that is slightly different from that defined by the application 28. However, if the requested information can be provided in an acceptable form and the information meets the requirements of the underwriter, then the property is insurance-eligible and the application 28 identifies the corresponding insurance grade. Then, if accepted, it can act 32 as a concluding agent by committing to conclude the insurance contract 34.
[0024]
However, system 24 is not autonomous. The customer user is generally required to be an agency or intermediary to interface with or operate system 24. This high level of complexity is required to meet the rigorous data requirements of the application 28, and is required to ensure that the appropriate information is collected and provided.
[0025]
The present invention includes a computer 38, as represented in system 36, which is preferably configured as a web server, for assessing potential insurance suitability risks with respect to the identified property. An application 40 that functions autonomously to implement a comprehensive risk assessment system that can be implemented. The application 40 establishes access to local and external databases 42, 44, 46 to communicate with an HTTP server, a set of modeling engines, and various binding authorities 48 that can vouch for payment 50. Preferably, the combination of programs includes a servlet that works to integrate the program into the application 40 as a whole. The operation of the application 40 is made autonomous by the present invention and does not impose any significant constraints or requirements on customer users. Thus, conventional web-enabled customer computer systems accessed via the Internet 14 can fully utilize the system 36.
[0026]
FIG. 2 shows that the preferred implementation process of the present invention provides an initial analysis of the identified assets' potential risks of insurance suitability and the appropriate insurance rating. This process is preferably performed through execution of application 40 by computer system 38. Through the initial property disclosure dialog 62, the customer user 12 may enter a fully qualified address, type of building to be insured, such as a house, condominium or apartment, preferably the size of the building in square feet, It is desirable to provide the identity of the property by entering the age of the building and the type of foundation of the building. Some kind of unique identification information of the customer user is also obtained. Based on this information, a customer user record is created and stored in the user database 64 proprietary to the system 38. The gathered information is then sent to a risk assessment engine 66.
[0027]
In one preferred embodiment of the present invention, risk assessment engine 66 includes any number of different specialized risk modeling engines 68-86. These individual engines 68-86 are implemented as software components with well-defined data entry requirements, and preferably produce an equally well-defined set of risk data. The particular characteristics and content of the risk data generated by any particular engine 68-86 are highly dependent on the characteristics and operation of the particular software engine.
[0028]
The individual engines 68-86 operate to also model the risk exposure to a particular loss event (loss event), support the operation of the risk identification model (support), and It can also be categorized in general, such as those that provide additional information used to qualify the risk assessment provided (certification). Table 1 summarizes a preferred set of software engines 68-86.
[0029]
[Table 1]
Table 1: Danger engine components

[0030]
In one preferred embodiment of the present invention, the initial property disclosure information is processed by a terrain coding engine to identify the property in an unambiguous coordinate system. This positioning information, along with available information describing the building at the site, is then sent directly to the loss event engine as individual input data. That is, the positioning information is not specifically aggregated by value, topographic grade area, regional parcel, or other general qualifying factors. This positioning information is likewise sent individually to the certification engine. Thus, the information generated by the certification engine is based on or is required for the particular location and building being analyzed.
[0031]
The loss event engine uses the positioning and building data to initialize the software model. Additional input data may also be obtained from the certification engine as needed. Other data used in the modeling operations is stored in databases dedicated to the individual engines. For example, the seismic engine 70 preferably locates the location relative to a known fault and models the likely frequency and intensity of a particular fault rupture. As part of this analysis, the seismic engine 70 physically locates a known fault with respect to the target location, based on information obtained from the map information engine 76, and determines the distance between the target location and the particular fault. Ask for. For example, the map information engine 76 provides data identifying the Alkisto-Priolo fault area, and can be used to easily determine whether the target location is within a known fault rupture area.
[0032]
Other data that can be directly accessed by the seismic engine 70 include soil data and data describing the geological structure of the target location and nearby faults. This other data amplifies the geological characteristics of the location, such as its responsiveness to underlying soil type and seismic behavior, and the level of shaking that occurs at the target location in response to any particular event. It may be desirable to use it to determine the composition of the earth, which may extend between the target location and another selected fault.
[0033]
In this way, the seismic engine can provide a wide range of detailed output information, particularly with respect to the target location. This information includes 1) the type of soil at the target location, 2) the distance from the location to the nearest known fault, 3) the name of the nearest fault, and 4) the maximum The distance to the last known control fault that poses a risk of damage; 5) the maximum event strength expected at the control fault within a specified time period; 6) anticipated in response to an event at the control fault. Average sway level at the target location; 7) many statistics on the expected level of damage to buildings on the target location in response to events on the control fault; 8) everything on all known faults. Many statistics on the potential damage levels that buildings on the target location will suffer as a result of the event, 9) distance from the target location, fault name, magnitude of the maximum expected event, 10 recent Location of the largest expected event for each fault Level of shaking, that contains preferably at. Similarly, each individual risk engine 68-86 operates based on a particular coordinate location of a particular property. The location-specific properties of the information used by all engines 68-86 and ultimately generated by the loss event engines 68-74 are maintained throughout the operation of the risk engine 66.
[0034]
The detailed and location-specific information generated by the risk engine 66 of the present invention is processed through the model data conversion engine 90. The engine 90 operates to first process the data generated by the risk engine 66 into a compiled data set 92 that can be evaluated by the underwriting engine 94 and the grade engine 96. This compiled data set 92 is preferably stored in the user database 64 for later reference in connection with the customer user.
[0035]
In this preferred embodiment of the present invention, the underwriting engine 94 stores and operates on a set of underwriting profiles that establish different underwriter basic criteria for the issuance of a particular insurance contract. I do. The model data conversion engine 90 works with the underwriting engine 94 to adapt and filter the detailed data generated by the risk engine 66 and map the information to specific underwriting profile criteria. Create a dataset. Thus, even if a particular profile criterion cannot be directly elucidated by reference to the detailed information generated by the danger engine 66, the present invention provides a matched and filtered data set. Contains relevant data in a form that can be directly evaluated against the profile criteria. For example, a particular underwriter's insurance eligibility profile criterion states that the target property is not exposed to a swing level that exceeds a specified value of the specified seismic intensity, such as a modified Mercari Intensity Scale (MMI) 8.5. You may require that. This criterion further requires that any building on the property has a "Grade Y" rating in technical terms defined by the underwriter that reflects the level of damage likely to occur at the threshold swing level. Maybe.
[0036]
In one preferred embodiment of the present invention, the seismic engine 70 can directly create a swing level value using the same measure of swing specified in the insurance suitability profile. Other swing level values at other scales can be created for use in other profiles. Further, the seismic engine 70 can create one or more different characteristics of the percentage-like damage for the building.
[0037]
Although there is a direct correspondence between the insurance profile sway criterion and the data generated by the seismic engine 70, the direct data correspondence to determine whether a building meets the "grade Y" grade profile requirements. Does not exist. The model data conversion engine 90 according to the present invention not only identifies the specific sway data to be considered for the insurance suitability profile, but also provides the appropriate or closest comparable percentage loss characteristics and underwriting created by the seismic engine 70. It also provides an acceptable conversion between a person's specially defined damage rating scale. Depending on the complexity of the conversion, the conversion definition for a particular underwriter may be a simple business rule or a complex expert system process defined from the conversion rules and data database 98 defined for the particular underwriter. Can be run as
[0038]
Using the output of the matched and filtered data set by the model data transformation engine 90, the underwriting engine 94 performs a series of eligibility criteria profile comparisons to identify eligible underwriters. The qualifying underwriter's identification and data set are then sent to a rating engine 96. Based on the dataset, suggested insurance premiums are created for different underwriters. This creation at this point in the operation of the preferred embodiment of the present invention is such that the information provided by the user in the initial property disclosure 62 is generally not sufficient to completely describe the property and building to be insured. It is an estimated premium because it is not enough.
[0039]
Eligible underwriters and proposed premiums are compiled 92 along with a risk summary description identified through the execution of the risk engine 66. This compiled information is then preferably presented to the customer user as a preliminary result display 100.
[0040]
The risk assessment of a given property, including the assessment of the potential insurance suitability and grade of the property, is presented as a free public service accessible to any customer user 12 via the Internet 14, as described in this regard. Is desirable. As shown generally in FIG. 3, the continuation of this process should preferably result in the payment of a fee for the development of a comprehensive risk assessment and the presentation of official quotes for insurance. However, the fee requirements are not fundamental, but rather are merely preferred as a way to cover the cost of a third party's service desired or required by the underwriter to complete the insurance application. This fee should be withheld if a qualifying insurance application is submitted for conclusion.
[0041]
When the customer user indicates from the preliminary result display 100 that he or she wants a formal estimate regarding the insurance coverage, the customer user is presented with a detailed property disclosure screen 112. The customer user, in a preferred embodiment of the invention, enters the complete identity of the customer user, at least information sufficient to enable electronic funds transfer to pay the fee, and detailed identification of the insured property Asked to do so. This identification should preferably be sufficient to establish the individual properties of the property and all buildings that are desired to be covered by insurance. Additional information regarding the condition, environment, and structure of the building, as well as past insurance coverage and claims made, is obtained as part of the detailed property disclosure. Thus, in the preferred embodiment of the present invention, property identification is preferably obtained through a generalized set of questions as shown in Table 2.
[0042]
[Table 2]
Table 2: Detailed property description

[0043]
Information gathered through detailed property disclosure is compiled 114 and stored in the user database 64 in association with a user record. In the preferred embodiment of the present invention, this compilation 114 of property data is checked and supplemented 116 by a public database 118 that accesses it. Information compiled by public damage assessors, often electronically available, often includes property information, including land boundaries and borders, parcel size, easement data for a particular property, and the age of the building, It contains building information, including structure type, regional parcels, and usage data. Other information, such as deeds and foreclosure status, can be checked 116 and used to supplement detailed property disclosure information compiled 114 for a particular property.
[0044]
Commercial services 120, 122 can be used to check specific information to complete detailed property disclosure 112. These services include a claim history database service 120 that allows you to check the insurance and claim history for a particular property. Other services 122 can be accessed to check the creditworthiness of the application for a particular insurance. Fees for using these commercial services are preferably charged to the insurance applicant by credit card payment services through the execution of electronic commerce. As before, information obtained through these services, as well as credit card transaction details, is stored in a user database 64 in association with a user record.
[0045]
The information compiled 114 through the detailed proprietary disclosure process of the present invention is extremely detailed and in many respects exceeds the level of detail required by commercial insurers for provisional insurance contracts. ing. In general, concluding is determined by scrutiny of the property through manual scrutiny of the relevant property record, and often by scrutiny of the actual physical property. This scrutiny represents a substantial, but perhaps indirect, cost to insurers. While the present invention fully supports the current underwriting process involving the need for detailed property scrutiny, the present invention further provides that, if not completely, substantially conventional property scrutiny records. Support a more detailed initial property assessment, where parts can be removed.
[0046]
Thus, in supporting the current underwriting process, the data compiled for a particular property, including the risk dataset that was previously collected and model data converted, will cover the target property and building. The underwriting engine 126 is submitted to the underwriting engine 126 to formally certify against the underwriter's underwriting criteria known to the underwriting engine. The compiled property information pertaining to identifying eligible underwriters and determining the underwriter-specific insurance grade for the target property is then preferably sent to a grade generation engine 128. General grade approvals, such as the presence of smoke detectors and sprinklers, the type of building foundation, and the age of the building, are evaluated in a conventional manner, producing an insurance grade for the property for each identified underwriter. Is done. The completed grade information is then added to the compiled property information again 114. The official quote from the one or more underwriters is now preferably displayed 130 to the customer user. Alternatively, an explanation is displayed 132 to the customer user as to why the target property is not eligible for insurance.
[0047]
The use of substantially highly detailed information compilable in accordance with the present invention may reduce or eliminate the need for manual scrutiny of property records, or perhaps very significantly, to assess property risks. Accuracy and comprehensiveness can be increased, thus increasing the accuracy and reliability of the final property's insurance grade, and a full reassessment of the risk reassessment 124 of the property information obtained through the detailed property disclosure process Can be done using the set provided. The risk reassessment 124 preferably involves resubmitting property and building related data to the risk engine 66. Thus, compared to the earlier examples, the seismic engine 70 is provided with more detailed information about properties and buildings, thereby providing more detail on the damage likely to be caused by any particular level of shaking. Modeling is possible. The detailed information provided as part of the reassessment includes whether the building is a one-story or multi-story building, buildings that may have been rebuilt according to the age of renovation of foundation and structural shear walls, selection or building code requirements. It is desirable to include a percentage or portion of With this additional detailed information, the seismic engine 70 can produce a more accurate prediction of the greatest possible damage during an earthquake. Similarly, using the compiled detailed property information, the wind, fire, and flood model engines 68, 72, 74 can significantly improve the accuracy in predicting damage.
[0048]
According to another embodiment of the present invention, the accuracy of the comprehensive risk assessment combines the risk assessments created by the individual risk engines 68-74 with the information provided by the support and certification engines 76-86. Significant improvement is obtained by simultaneous evaluation. That is, the maximum possible loss resulting from any particular loss event should be determined from the primary and secondary hazardous events. Primary danger events are considered to be the direct cause of a loss event and are often the direct source of the largest component of the greatest possible loss for a loss event. In this example, the secondary hazard, either caused by the primary hazard or following the primary hazard, also has a corresponding secondary risk against the maximum possible loss due to the loss event. Is evaluated to determine the overall aggregate contribution.
[0049]
This aggregate risk analysis thus provides underwriters with a very accurate assessment of risk exposure in underwriting the target property and building. The specific performance of the aggregate risk analysis is highly dependent on the detailed risk assessment data produced by the individual risk engines 68-86. A rule-based modeling system or other expert system is preferably used to review and evaluate different risk scenarios and determine different likelihoods of loss. The following are typical scenarios.
[0050]
1. Flood risk potential linked to environmental risk by assessing the impact of different flood levels and flood environments at known environmentally hazardous locations based on proximity and altitude to the target property Identify and analyze potential risk and characteristics of toxic contamination at target locations during a flood event, taking into account the loss effects.
2. By assessing topographic elevation, proximity, surface slope, soil type, and geological composition to the target property as a basis for establishing a risk exposure to groundwater contamination in wells on the target property Consider possible loss effects due to environmental hazards.
[0051]
3. Linking fault rupture to other land dysfunctions such as landslides, liquefaction, and possibly to the proximity and properties of environmentally hazardous locations near the target property, and thus possible losses Perform a comprehensive analysis of the risk of loss from a particular seismic event, taking into account the effects.
4. Subsequent to the bush fire, the target property a) takes into account the potential loss effects of exposure to multiple risks, such as both the risk of the bush fire and the risk of land malfunction. The potential for landslides can be more accurately assessed, and b) the risk of fault rupture and fire identified by the type of building, density of the building, proximity to bushes or commercial / industrial buildings Considering the potential loss effects of exposure to multiple hazards such as gender, fires may occur in suburban wilderness or industrial areas following an earthquake due to a broken gas facility pipeline. Possibilities can be more accurately evaluated.
[0052]
The different levels of risk assessment processing operations 140 provided by the present invention are shown generally in FIG. Although referred to herein as a Level 1 analysis, in the current underwriting procedure, the compiled data 114 is transmitted directly to the underwriting engine 126, including the data-transformed dataset of the risk engine model created earlier. Supplied. In a level two analysis, the compiled data 114 is re-supplied to the risk engine 66 for re-evaluation 124. The resulting information describing the detailed danger is supplied to the model data conversion engine 90. Based on different insurance profile criteria, stored or accessible through the underwriting engine 126, the model data conversion engine 90 re-develops the model data conversion data set based on the risk engine generated model data. These datasets contain additional information that is at least optionally considered in the operation of the underwriting engine 126 to determine the acceptability of the target property for underwriting. It is desirable to be different in that. This additional information is also sent to the grade generation engine 128 for further consideration in its operation. Specifically, the grade generation engine 128 makes use of this additional information, particularly in the process of confirming the so-called insurance premium, which relates to the property to be insured or to the property specific to the building. Expressed as an addition to the insurance premium used to adjust the base premium rate or grade.
[0053]
In the level 3 analysis, the risk data, other compiled data, and the model data conversion data set created through the re-evaluation 124 are made available to the total risk model engine 142. This engine 142 implements a rule-based or expert system engine that performs the aggregate risk analysis according to the present invention. The results of the aggregate analysis are again sent to the underwriting engine 126, which is preferably in the form of a model data conversion dataset and extension data that can be used by the underwriting engine 126 and the grade generation engine 128.
[0054]
With each level of analysis, the grade generation engine 128 operates to create an official insurance grade for each insurer considered. As shown generally in FIG. 5, the process of obtaining grade information, in a preferred embodiment of the present invention, also includes access information from all of a number of possible sources. The decision as to whether additional information is desired depends on the specifically identified insurer and the knowledge of the different information access channels available to the grade generation engine 128. The general insurance standard grade schedule 152 is locally accessible to the grade generation engine 128. The grade generation engine provides access 154 to a publicly available grade schedule provided by either a different underwriter or a public agent monitoring the activity of a particular underwriter. Have been. The grade generation engine also has access to third party commercial services that provide detailed summaries of grade information about these particular underwriters through the membership of both the particular underwriter and its agents and intermediaries. it can. Some underwriters provide access to their computer systems, particularly for the purpose of obtaining grade information, by supporting a trusted middleware system 158 or by direct connection via a proprietary interface 160. There are also things. Finally, if not currently available, in the future, underwriters may transfer their grading schemes or schedules to authorized agents and intermediaries in a well-defined standard format, such as XML distribution. Will be provided for use by intermediaries. Desirably, these distributions 154 are available electronically through storage locations or directly from locations operated by different underwriters.
[0055]
Regardless of the particular channel used to obtain the grade information provided by a particular underwriter, the grade generation engine 128 transmits the property identification, relational data set, any additional information provided, to Level 2 and It is desirable to create a corresponding insurance class for the target property and building, as in the case of a Level 3 property valuation. This information is also compiled 114 as information generated by the underwriting engine 126, stored in the user database 64 in association with the user customer record, and presented as part of the official quote display 130.
[0056]
For the preferred embodiment of the present invention, the final contract conclusion process 170 for the property of interest is shown in FIG. From the official quote display 130, the customer user can select a particular insurance policy for purchase 172. In confirming the policy selection and deciding to purchase, a conventional online credit transaction is initiated to obtain the funds needed to guarantee insurance coverage. The selected underwriter is notified 178 of the conclusion of the contract and a corresponding insurance application is provided. A confirmation of acceptance of the credit transaction, the insurance application, and at least the conditional insurance application is then sent 176 to the customer user and the underwriter by mail or by email. Finally, a hard copy of the insurance contract is also typically provided 180 to the customer user by the insurance contractor.
[0057]
Thus, there has been described a system and method for providing a comprehensive analysis of risk exposure on a target property, and a system and method for autonomously assessing the risk expressed as a basis for underwriting insurance for these risks.
[0058]
Those skilled in the art will readily appreciate that numerous modifications and derivations may be made to the disclosed embodiments in light of the above description of the preferred embodiment of the invention. Therefore, it is to be understood that, within the scope of the appended claims, the invention may be practiced other than as specifically described.
[Brief description of the drawings]
FIG.
Figure 3 illustrates a number of different systems for performing property risk analysis and underwriting, including a system that implements a preferred embodiment of the present invention.
FIG. 2
1 shows a first, site-specific risk risk analysis and representation system for a preferred embodiment of the present invention.
FIG. 3
1 illustrates a detailed, location-specific risk risk analysis, representation and underwriting system for a preferred embodiment of the present invention.
FIG. 4
FIG. 4 is a detailed diagram of a system and process for developing a detailed, location-specific risk analysis that can be converted into an insurer's property assessment profile.
FIG. 5
FIG. 2 is a detailed diagram of a system and process for developing grade data based on location-specific underwriting parameters.
FIG. 6
2 illustrates the process of entering into a signed risk protection insurance contract based on a position-specific analysis of property risks.

Claims (9)

In a system executable on a general-purpose computer, which autonomously creates a position-specific insurance suitability class based on a hypothetical loss exposure of a given property,
a) a plurality of risk modeling software engines that provide an assessment of each property loss risk factor that creates model result data based on a location-specific description of a given property;
b) a plurality of insurance conformance profiles, each corresponding to an insurance source, defining a respective set of predetermined loss risk factor based criteria;
c) a model data conversion engine coupled to receive the model result data and operable to select a qualifying insurance source, wherein the model data conversion engine adapts the model result data. Model data for providing a transformation to compare to the predetermined loss risk factor based criteria and selecting a predetermined insurance source where the model result data meets requirements of a corresponding set of the predetermined loss risk factor based criteria. A conversion engine,
d) a rating engine coupled to receive the model result data and the predetermined insurance source to provide an autonomous creation of a location-specific insurance suitability rating for the predetermined property based on the model result data. And a system comprising: A general-purpose computer-executable data processing system for evaluating the risk of position-specific property in relation to determining the maximum possible loss as a basis for establishing an insurance suitability class,
a) a risk assessment engine that executes a plurality of risk assessment models to create a plurality of risk assessment data;
b) an underwriting identification engine that includes a plurality of eligibility profiles that define predetermined acceptance criteria, established by each underwriter;
c) coupled between the risk assessment engine and the underwriting identification engine and autonomously and selectively filtering the risk assessment data to provide examples of the insurance suitability profile, A model data conversion engine that identifies where each of the cases of the insurance suitability profile satisfies the predetermined acceptability criterion. The predetermined acceptability criterion of the predetermined one of the plurality of insurance suitability profiles represents a uniquely constrained definition of an acceptable risk assessment required to autonomously satisfy the predetermined acceptability criterion; The data processing system of claim 2, wherein the model data conversion engine autonomously interprets the risk assessment data to provide a closest match to the uniquely constrained definition. In a method for managing an autonomous computer-based assessment of insurance risks and costs for a given property,
a) interactively obtaining an initial identification of the predetermined property from an end user;
b) initially establishing a set of potential risks for said given property and a preliminary risk assessment defining the maximum possible damage class for said given property; ,
c) presenting the set of potential risks and the maximum possible damage class to the end user;
d) obtaining supplementary information about said predetermined property;
e) combining the initial identification information and the supplementary information through automatically evaluating the predetermined property against all of the plurality of loss events to provide a corresponding set of risk model data; Secondly establishing a comprehensive risk assessment for said given property based on a combination of:
f) first autonomously processing the set of risk model data against a given underwriting profile of a given underwriter to identify eligible underwriters;
g) second autonomously processing the set of risk model data to the qualified underwriter to determine a particular insurance grade for the given property;
h) presenting the eligible underwriter and the insurance grade to the end user for selection. Obtaining the supplemental information comprises, for the predetermined property, accessing an external database of property data to obtain data characterizing the predetermined property with respect to any information relating to ownership, value and structure. The method of claim 4, comprising: Establishing the comprehensive risk assessment includes submitting the property identification information and the supplementary information to a risk assessment system including a plurality of risk model engines, wherein the property identification information and the 5. The supplementary information is used to identify the location of the predetermined property and to evaluate the predetermined property by position-specifically applying the predetermined property to a predetermined set of risks. Or the method according to any one of 5. The method of claim 6, wherein the predetermined set of dangers includes wind, earthquake, fire, and flood. The plurality of risk model engines include a loss event modeling engine, a support data engine, and a certification data engine, wherein the support and certification data engine is position-specific derived from the property identification information and the supplementary information. The method of claim 6, wherein information is provided to the loss event modeling engine, the loss event modeling engine providing detailed risk model data. 9. The method of claim 8, wherein the first autonomously processing step comprises converting the detailed risk model data into a data set comparable to the insurance profile.

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