Dynamic System and Method for Automated Checking and Transmitting of Damage Reports and Damage Claims

• US 20090119132A1
• Filed: 12/21/2005
• Published: 05/07/2009
• Est. Priority Date: 12/27/2004
• Status: Active Grant

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Bolano, Manuel, Glogg, Arnold, Van Eeden, Loraine
• Granted Patent: US 8,583,458 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The present invention relates to a dynamic system and a corresponding method for automated checking and transmitting of damage reports and damage claims in multi-level damage coverage systems. The dynamic system comprises decentralized, cellular capturing units with assigned areas for capturing damage records, a central unit being bidirectionally connected via a network to the capturing units. The central unit comprises a filter module for selecting first and second damage records based on assigned threshold values, an analysis module for detecting and eliminating first damage records wrongly captured by means of the capturing units, and a regulator module for dynamic adjustment of the threshold values assigned to the respective areas based on the filtered first damage records. Finally, the filtered first damage records, without wrongly captured first damage records, are transmitted to the processing device and are released for multi-level damage coverage, by means of the central unit.

Claims

1. A dynamic system for automated checking and transmitting of damage reports and damage claims in multi-level damage coverage systems, damage records being able to be captured and able to be transmitted to a processing device wherein

the system comprises decentralized, cellular capturing units with assigned areas for capturing damage records based on first control parameters, a damage record comprising at least one event parameter for the respective area,

the system comprises a central unit, which central unit is bidirectionally connected via a network to the capturing units, at least event parameter data being transmittable from the capturing units to the central unit, the central unit comprises a filter module for selecting first and second damage records based on at least one threshold value assigned to the respective area, the central unit comprises an analysis module for detecting and eliminating, based on second control parameters, first damage records wrongly captured by means of the capturing units,

the central unit comprises a regulator module for dynamic adjusting and storing of the threshold values, assigned to the respective areas, based on the filtered first damage records, and

the filtered first damage records, without wrongly captured first damage records, are transmittable to the processing device by means of the central unit, whereby they are released for multi-level damage coverage.

2. The dynamic system according to claim 1, wherein the central unit comprises a calculation module for determining premiums for customer parameters assigned to an area.

3. The dynamic system according to claim 2, wherein the calculation module comprises means for iterative adjustment of the premiums based on the corrected first and second damage records.

4. The dynamic system according to claim 1, wherein the second control parameters comprise at least data for automated checking of cash call and/or countersigning and/or policy and/or period of validity and/or risk threshold for the respective area and/or ex-gratia payments.

5. The dynamic system according to claim 1, wherein the central unit comprises an expert module for checking medical information data, if these are assigned to a damage record.

6. The dynamic system according to claim 1, wherein the second control parameters comprise at least one upper claim threshold value, all damage records above the claim threshold value being automatically assigned to the first damage records.

7. The dynamic system according to claim 1, wherein the central unit comprises means for checking multiple claims, all damage records above the claim threshold value being automatically assigned to the first damage records.

8. A dynamic method for automated checking and transmitting of damage reports and damage claims in multi-stage damage coverage, damage records being captured and being transmitted to a processing device, wherein

damage records are captured in assigned areas based on first control parameters, by means of decentralized capturing units of a cellular system, a damage record comprising at least one event parameter for the respective area,

a central unit of the cellular system is bidirectionally connected via a network to the capturing units, at least event parameter data being transmitted from the capturing units to the central unit,

by means of a filter module of the central unit, first and second damage records are selected based on at least one threshold value assigned to the respective area,

the first damage records wrongly captured with the capturing units are filtered out, based on second control parameters, by means of an analysis module (21) of the central unit,

the threshold values assigned to the respective areas are dynamically adjusted and stored, based on the filtered first damage records, by means of a regulator module of the central unit, and

the filtered first damage records, without wrongly captured first damage records, are transmitted to the processing device, by means of the central unit, whereby they are released for multi-level damage coverage.

9. The dynamic method according to claim 8, wherein by means of a calculation module premiums are determined for customer parameters assigned to an area.

10. The dynamic method according to claim 9, wherein by means of a calculation module premiums are adjusted iteratively based on the corrected first and second damage records.

11. The dynamic method according to claim 8, wherein the second control parameters comprise at least data for automated checking of cash call and/or countersigning and/or policy and/or period of validity and/or risk threshold for the respective area and/or ex-gratia payments.

12. The dynamic method according to claim 8, wherein by means of an expert module medical information data are checked, if these are assigned to a damage record.

13. The dynamic method according to claim 8, wherein the second control parameters comprise at least an upper claim threshold value, all damage records above the claim threshold value being automatically assigned to the second damage records.

14. The dynamic method according to claim 8, wherein, by means of the central unit, the damage records are checked for multiple claims, all damage records above the claim threshold value being automatically assigned to the second damage records.