MICRO-RESOURCE-POOLING SYSTEM AND CORRESPONDING METHOD THEREOF
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Abstract
The invention relates to a resource-pooling system and to a corresponding method for risk sharing of a variable number of risk exposure components. The risk exposure components are connected to the resource-pooling system by means of a plurality of payment receiving modules configured to receive and store payments from risk exposure components for the pooling of their risks. The total risk of the pooled risk exposure components comprises a first risk contribution associated to risk exposure in relation to loan losses, and a second risk contribution associated to risk exposure based on emergency expenses. The pooled risk is divided in a parameterizable risk part and a non-parameterizable risk part by means of an indexing module. In case of triggering a loss by means of a trigger module, the suffered loss is covered by releasing associated loans and emergency expenses of the risk exposure components.
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Citations
29 Claims
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1-14. -14. (canceled)
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15. A resource-pooling system for risk sharing of a variable number of risk exposure components by providing a self-sufficient risk protection for the risk exposure components, the risk-pooling system comprising:
a processor programmed to process risk related components data and to provide the likelihood of said risk exposure for one or a plurality of the pooled risk exposure components based on the risk related components data, the risk exposure components being connected to the resource-pooling system by a plurality of payment receiving modules that receive and store payments from risk exposure components for the pooling of their risks, wherein, the total risk of the pooled risk exposure components includes a first risk contribution associated to risk exposure in relation to loan losses, the loan losses occurring as consequence to insolvency of risk exposure components owing to the occurrence of a risk event contributable to the risk exposure, the total risk of the pooled risk exposure components includes a second risk contribution associated to risk exposure based on emergency expenses, the emergency expenses occurring for risk exposure components owing to the occurrence of a risk event contributable to the risk exposure, the processor divides the pooled risk into a parameterizable risk part and a non-parameterizable risk part, the parameterizable risk part being transferred to a connected loss coverage system via a multidirectional risk transfer module that transfers risk factors in exchange of premium payment parameters to achieve loss covering of the parameterizable risk part via the connected loss coverage system, the non-parameterizable risk part being directly covered by the resource-pooling system based on the received and stored payments from risk exposure components, and in the event of triggering a loss by a trigger module, suffered loss is covered by releasing associated loans and emergency expenses of the risk exposure components by transferring payments from the resource-pooling system to the risk exposure components based on the parameterizable risk part from the connected loss coverage system and based on the non-parameterizable risk part from the received and stored payments from risk exposure components. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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22. A method for risk sharing of a variable number of risk exposure components by providing a self-sufficient risk protection for the risk exposure components via a resource-pooling system, the method comprising:
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processing, via a processor, risk related components data and providing the likelihood of said risk exposure for one or a plurality of the pooled risk exposure components based on the risk related components data; connecting the risk exposure components to the resource-pooling system via a plurality of payment receiving modules that receive and store payments from risk exposure components for the pooling of their risks, wherein the total risk of the pooled risk exposure components includes a first risk contribution associated to risk exposure in relation to loan losses, the loan losses occurring as consequence to insolvency of risk exposure components owing to the occurrence of a risk event contributable to the risk exposure, and the total risk of the pooled risk exposure components includes a second risk contribution associated to risk exposure based on emergency expenses, the emergency expenses occurring for risk exposure components owing to the occurrence of a risk event contributable to the risk exposure; and dividing via the processor the pooled risk into a parameterizable risk part and a non-parameterizable risk part, the parameterizable risk part being transferred to a connected loss coverage system via a multidirectional risk transfer module transferring risk factors in exchange of premium payment parameters to achieve loss covering of the parameterizable risk part via the connected loss coverage system, the non-parameterizable risk part being directly covered by the resource-pooling system based on the received and stored payments from risk exposure components, wherein, in case of triggering a loss via a trigger module, suffered loss is covered by releasing associated loans and emergency expenses of the risk exposure components by transferring payments from the resource-pooling system to the risk exposure components based on the parameterizable risk part from the connected loss coverage system and based on the non-parameterizable risk part from the received and stored payments from risk exposure components. - View Dependent Claims (23, 24, 25, 26, 27, 28)
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29. A non-transitory computer-readable medium storing computer-readable instructions thereon which when executed by a computer cause the computer to perform a method for risk sharing of a variable number of risk exposure components by providing a self-sufficient risk protection for the risk exposure components via a resource-pooling system, the method comprising:
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processing risk related components data and providing the likelihood of said risk exposure for one or a plurality of the pooled risk exposure components based on the risk related components data; connecting the risk exposure components to the resource-pooling system via a plurality of payment receiving modules that receive and store payments from risk exposure components for the pooling of their risks, wherein the total risk of the pooled risk exposure components includes a first risk contribution associated to risk exposure in relation to loan losses, the loan losses occurring as consequence to insolvency of risk exposure components owing to the occurrence of a risk event contributable to the risk exposure, and the total risk of the pooled risk exposure components includes a second risk contribution associated to risk exposure based on emergency expenses, the emergency expenses occurring for risk exposure components owing to the occurrence of a risk event contributable to the risk exposure; and dividing the pooled risk into a parameterizable risk part and a non-parameterizable risk part, the parameterizable risk part being transferred to a connected loss coverage system via a multidirectional risk transfer module transferring risk factors in exchange of premium payment parameters to achieve loss covering of the parameterizable risk part via the connected loss coverage system, the non-parameterizable risk part being directly covered by the resource-pooling system based on the received and stored payments from risk exposure components, wherein, in case of triggering a loss via a trigger module, suffered loss is covered by releasing associated loans and emergency expenses of the risk exposure components by transferring payments from the resource-pooling system to the risk exposure components based on the parameterizable risk part from the connected loss coverage system and based on the non-parameterizable risk part from the received and stored payments from risk exposure components.
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Specification