DEVICE FOR AUTOMATICALLY PROCESSING AND MONITORING DANGEROUS EVENTS

• US 20090307012A1
• Filed: 06/13/2006
• Published: 12/10/2009
• Est. Priority Date: 06/13/2006
• Status: Active Grant

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Stahel, Michael, Delavy, Claudine M.
• Granted Patent: US 8,290,794 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Proposed is a system (80) and method for single-stage and/or multi-stage damage coverage systems (80) for transport means devices (41), wherein by means of an extrapolation module (13) of the central unit (10), backing amount parameters and/or compensation parameters of accumulable damage risks of a specifiable future time interval are determined, wherein the central unit (10) divides backing amount parameters of accumulable damage risks by means of a specifiable user factor, wherein the central unit (10) transmits (71) the compensation parameters for the corresponding backing amount parameters of accumulable damage risks to a first damage coverage system (11), wherein money amount values based on the specifiable user factor are transmitted (74) by user modules (30) to a second damage coverage system (12), wherein the central unit (10), if damage events have occurred in the time interval, transmits first charging data with charging parameters for crediting money amount values to a risk device (40), assigned to a clearing module, wherein the transmitted money amount values are decremented (72) by the first memory unit (111), and if the first memory unit (111) includes no further money amount values, are decremented (70) by the second memory unit (112), wherein second charging data with charging parameters are transmitted (76) to a clearing module, assigned to a user module (30), for crediting money amount values on the basis of a specifiable risk compensation factor.

Claims

1-15. -15. (canceled)

16. A single-stage and/or multi-stage damage coverage system for transport devices, said damage coverage system comprising:

at least one central unit and one or more decentralized risk devices with backing amount parameters that can be transmitted bidirectionally for damage risks and/or corresponding compensation parameters; and

an extrapolation module for specifying the backing amount parameters and/or compensation parameters of a specifiable damage risk for a future time interval,

wherein the central unit includes a user factor and a central unit factor, the backing amount parameters being divisible by a split module with money amount values of the specified damage risk on the basis of the user factor and central unit factor into backing amount parameters of accumulable damage risks, and it being possible to store the backing amount parameters assigned to the accumulable damage risks;

and further comprising;

a first memory unit of a first damage coverage system, it being possible to transmit the compensation parameters for the corresponding backing amount parameters of accumulable damage risks assigned to the central unit factor from the central unit to the first memory unit of the first damage coverage system;

a second memory unit of a second damage coverage system, user modules being able to transmit money amount values on the basis of the specifiable user factor to a second memory unit of a second damage coverage system, and it being possible to store the money amount values assigned to the accumulable damage risks,

wherein it is possible to transmit first charging data with charging parameters in the case of damage events occurring in the time interval for crediting money amount values from the central unit to a clearing module, assigned to a risk device, the first memory unit decrementing the transmitted money amount values, and if the first memory unit includes no further money amount values, the second memory unit decrementing said transmitted money amount values,

wherein the damage coverage system includes second charging data, it being possible to transmit the second charging parameters for crediting money amount values on the basis of a specifiable risk compensation factor to a clearing module, assigned to a user module, and

wherein it is possible to transmit third charging parameters with charging parameters for crediting money amount values on the basis of the money amount values of the second memory unit and the risk compensation factor to a clearing module, assigned to the user module, if the second memory unit contains money amount values after expiration of the time interval.

17. A damage coverage system according to claim 16, wherein the money amount values of the first and/or second memory module can be transmitted during the available time to a financial institution, and compensation parameters corresponding to the transmitted money amount values can be transmitted by the financial institution to the first and/or second memory unit after the specifiable time interval.

18. A damage coverage system according to claim 16, wherein at least one of the user modules includes sub-modules of different risk classes with different risk compensation factors and/or different transmission condition parameters for transmitting money amount values.

19. A damage coverage system according to claim 16, wherein the central unit includes a monitoring module, it being possible to compare the risk compensation factor with compensation parameters on the basis of the accumulated money amount values of the second memory unit, and if the risk compensation factor is detected to be less than the compensation parameters within a definable threshold value, the second damage coverage system can be activated.

20. A damage coverage system according to claim 16, wherein the damage coverage system is linked and synchronized with a further damage coverage system that is based on a quota sharing parameter for the damage risks.

21. A damage coverage system according to claim 16, wherein the damage coverage system includes a weighting module, for determining a variable weighting parameter on the basis of the backing amount parameters and a maximum possible damage sum.

22. A damage coverage system according to claim 21, wherein the weighting module includes an interface, via which the variable weighting parameters can be transmitted by the user to mobile and/or stationary network nodes.

23. A method for single-stage and/or multi-stage damage coverage systems for transport devices, backing amount parameters being transmitted for damage risks and/or corresponding compensation parameters between a central unit and one or more decentralized risk devices, the method comprising:

by an extrapolation module of the central unit, determining backing amount parameters and/or compensation parameters of accumulable damage risks of a specifiable future time interval;

the central unit dividing backing amount parameters with money amount values of accumulable damage risks by a specifiable user factor and a central unit factor, the backing amount parameters being stored corresponding to the specifiable central unit factor and assigned to the accumulable damage risks;

the central unit transmitting the compensation parameters for the corresponding backing amount parameters of accumulable damage risks to a first memory unit of a first damage coverage system;

transmitting money amount values based on the specifiable user factor by user modules to a second memory unit of a second damage coverage system and stored assigned to the accumulable damage risks;

the central unit, if damage events have occurred in the time interval, transmitting first charging data with charging parameters for crediting money amount values to a risk device, assigned to a clearing module, the transmitted money amount values being decremented by the first memory unit, and if the first memory unit includes no further money amount values, being decremented by the second memory unit;

transmitting second charging data with charging parameters to a clearing module, assigned to a user module, for crediting money amount values on the basis of a specifiable risk compensation factor; and

transmitting third charging parameters with charging parameters to a clearing module, assigned to the user module, for crediting money amount values on the basis of the money amount values of the second memory unit and the risk compensation factor, if the second memory unit contains money amount values after the expiration of the time interval.

24. A method according to claim 23, wherein the money amount values of the first and/or second memory module are transmitted during the available time to a financial institution, and compensation parameters corresponding to the transmitted money amount values are transmitted by the financial institution to the first and/or second memory unit after the specifiable time interval.

25. A method according to claim 23, wherein sub-modules of different risk classes with different risk compensation factors and/or different transmission condition parameters for transmitting money amount values from the second memory unit are assigned to at least one of the user modules.

26. A method according to claim 23, wherein the central unit includes a monitoring module, it being possible to compare the risk compensation factor with compensation parameters on the basis of the accumulated money amount values of the second memory unit, and if the risk compensation factor is detected to be less than the compensation parameters within a definable threshold value, the second damage coverage system is activated.

27. A method according to claim 23, wherein the damage coverage system is linked and synchronized with a further damage coverage system that is based on a quota sharing parameter for the damage risks.

28. A method according claims 23, wherein at least one variable weighting parameter is determined by a weighting module, on the basis of the backing amount parameters and a maximum possible damage sum.

29. A method according to claim 28, wherein by an interface of the weighting module, the at least one variable weighting parameter can be transmitted by the user, via a network, to mobile and/or stationary network nodes.

30. A computer readable medium including computer executable instructions that can be loaded directly into an internal memory of a digital computer, and which can execute the method according to claim 23 when run on the digital computer.