Rule based document generation system
First Claim
1. A rule based document generation system for constructing insurance policies in response to coverage information input thereto, comprising:
- a computer processor;
first memory means coupled to said processor, said first memory means storing a library of rule sets each corresponding to a different insurance policy clause and designating a set of parameters that must be satisfied in order for its corresponding insurance policy clause to be included in an insurance policy;
a user interface coupled to said processor for enabling a user to enter coverage information identifying a set of different coverages to be provided in an insurance policy;
said processor being adapted to compare the parameters designated by the rule sets for the insurance policy clauses to the set of different coverages identified by said coverage information, to provide a list of those rule sets having parameters that are all satisfied by said coverage information;
means for identifying superseded insurance policy rule sets referred to on said list and replacing the superseded insurance policy rule sets referred to on said list with references to superseding endorsement rule sets each corresponding to a different endorsement clause; and
means for assembling the insurance policy and endorsement clauses corresponding to the rule sets referred to on said list into said insurance policy.
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Accused Products
Abstract
Documents are automatically generated by assembling a plurality of clauses selected from a library of clauses stored in a computer system. A rule set is assigned to each of the clauses. Each rule set provides at least one rule that must be satisfied in order to include the clause associated therewith in a document. After document parameters are entered into the computer system, each rule set is tested to identify those that are satisfied by the document parameters. The clauses to which the identified rule sets are assigned are retrieved and assembled into the document. The document generation system is particularly suitable for the creation of insurance policy documents. When necessary, insurance policy clauses are replaced with endorsement clauses based on endorsement selections made by a user. An endorsement selection list is generated by testing rule sets associated with the endorsements.
236 Citations
20 Claims
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1. A rule based document generation system for constructing insurance policies in response to coverage information input thereto, comprising:
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a computer processor; first memory means coupled to said processor, said first memory means storing a library of rule sets each corresponding to a different insurance policy clause and designating a set of parameters that must be satisfied in order for its corresponding insurance policy clause to be included in an insurance policy; a user interface coupled to said processor for enabling a user to enter coverage information identifying a set of different coverages to be provided in an insurance policy; said processor being adapted to compare the parameters designated by the rule sets for the insurance policy clauses to the set of different coverages identified by said coverage information, to provide a list of those rule sets having parameters that are all satisfied by said coverage information; means for identifying superseded insurance policy rule sets referred to on said list and replacing the superseded insurance policy rule sets referred to on said list with references to superseding endorsement rule sets each corresponding to a different endorsement clause; and means for assembling the insurance policy and endorsement clauses corresponding to the rule sets referred to on said list into said insurance policy. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method for automatically generating documents by assembling a plurality of clauses selected from a library of clauses stored in a computer system, comprising the steps of:
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inputting said library of clauses into said computer system; assigning a rule set to each of said clauses, each rule set providing at least one rule that must be satisfied in order to include the clause associated therewith in a document; inputting said rule sets into said computer system; modifying the rule set for a clause when that clause has become obsolete to prevent the use of the obsolete clause in said document; inputting a replacement clause to said computer system for the obsolete clause; providing a rule set for said replacement clause; inputting a set of document parameters into said computer system defining subject matter to be contained in said document;
testing each rule set in said computer system to identify those that are satisfied by said document parameters;retrieving the clauses to which the identified rule sets are assigned; and assembling the retrieved clauses into said document. - View Dependent Claims (17)
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18. A method for automatically generating insurance policy documents by assembling a plurality of clauses selected from a library of clauses stored in a computer system, comprising the steps of:
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inputting a library of insurance policy clauses into said computer system; inputting a library of endorsements into said computer system; assigning a rule set to each of said insurance policy clauses, each rule set providing at least one rule that must be satisfied in order to include the clause associated therewith in a document; inputting said rule sets into said computer system; inputting a set of document parameters into said computer system defining subject matter to be contained in said document; testing each rule set in said computer system to identify those that are satisfied by said document parameters; after the clauses satisfied by said document parameters have been identified, detecting which of the endorsements can be used to modify the identified clauses; selecting endorsements that are desired for said insurance policy from the detected endorsements; retrieving the insurance policy clauses to which the identified rule sets are assigned; retrieving the endorsements selected during said selecting step instead of retrieving corresponding insurance policy clauses that are modified thereby; and assembling the retrieved endorsements together with the retrieved insurance policy clauses into said insurance policy. - View Dependent Claims (19, 20)
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Specification