Device for automatically processing and monitoring dangerous events

• US 8,290,794 B2
• Filed: 06/13/2006
• Issued: 10/16/2012
• Est. Priority Date: 06/13/2006
• Status: Active Grant

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Delavy, Claudine M., Stahel, Michael
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US12/304,828
• Publication Number:
  US 20090307012A1
• Time in Patent Office: 2,317 Days
• Field of Search: 705/4, 705/35
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A single-stage or multi-stage damage coverage method and system for transport devices, including a central unit that includes a user factor and a central unit factor, the central unit storing backing amount parameters assigned to accumulable damage risks, the backing amount parameters being divisible by a split module with money amount values of a specified damage risk on the basis of the user factor and the central unit factor into backing amount parameters of the accumulable damage risks. The system includes one or more decentralized risk devices, the backing amount parameters being transmitted bidirectionally for one of the damage risks and corresponding compensation parameters between the one central unit and the one or more decentralized risk devices, and also includes an extrapolation module configured to specify one of the backing amount parameters and the compensation parameters of the specifiable damage risk for a future time interval.

Claims

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

at least one central unit including a user factor and a central unit factor, the central unit configured to store backing amount parameters assigned to accumulable damage risks, the backing amount parameters being divisible by a split module with money amount values of a specified damage risk on the basis of the user factor and the central unit factor into backing amount parameters of the accumulable damage risks;

one or more decentralized risk devices, the backing amount parameters being transmitted bidirectionally for one of the damage risks and corresponding compensation parameters between the at least one central unit and the one or more decentralized risk devices;

an extrapolation module configured to specify one of the backing amount parameters and the compensation parameters of the specifiable damage risk for a future time interval;

a first memory unit of a first damage coverage device, which communicates with a first financial institution, the first memory unit configured to receive the compensation parameters for the corresponding backing amount parameters of the accumulable damage risks assigned to the central unit factor from the central unit;

a second memory unit of a second damage coverage device, which communicates with a second financial institution, the second memory unit configured to receive money amount values on the basis of the specifiable user factor transmitted from user modules, and configured to store the money amount values assigned to the accumulable damage risks, wherein

the central unit is configured to transmit first charging data with charging parameters in response to damage events occurring in the time interval for crediting money amount values to a clearing module, which is assigned to the one or more decentralized risk devices, the first memory unit decrementing the transmitted money amount values, and the second memory unit decrementing said transmitted money amount values in response to the first memory unit including no further money amount values,

the central unit is configured to transmit second charging parameters for crediting money amount values on the basis of a specifiable risk compensation factor to a clearing module, which is assigned to one of the user modules, and

the central unit is configured 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 the clearing module, which is assigned to the one of the user modules, in response to the second memory unit containing money amount values after expiration of the time interval.

2. The damage coverage system according to claim 1, wherein the money amount values of one of the first and the second memory unit are transmitted during an available time to one of the first financial institution and the second financial institution, and the compensation parameters corresponding to the transmitted money amount values are transmitted by the one of the first financial institution and the second financial institution to a corresponding one of the first and second memory unit after the specifiable time interval.

3. The damage coverage system according to claim 1, wherein at least one of the user modules includes sub-modules of different risk classes with one of different risk compensation factors and different transmission condition parameters for transmitting money amount values.

4. The damage coverage system according to claim 1, wherein the central unit includes a monitoring module configured to compare the risk compensation factor with the compensation parameters on the basis of the accumulated money amount values of the second memory unit, and the second damage coverage system is activated in response to the risk compensation factor being detected to be less than the compensation parameters within a definable threshold value.

5. The damage coverage system according to claim 1, wherein the damage coverage system is linked and synchronized with another damage coverage system that is based on a quota sharing parameter for the damage risks.

6. The damage coverage system according to claim 1, further comprising:

a weighting module configured to determine a variable weighting parameter on the basis of the backing amount parameters and a maximum possible damage sum.

7. The damage coverage system according to claim 6, wherein the weighting module includes an interface, via which the variable weighting parameters are transmitted by a user to one of mobile and stationary network nodes.

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

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

dividing, by the central unit, the 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;

transmitting, by the central unit, the compensation parameters for the corresponding backing amount parameters of accumulable damage risks to a first memory unit of a first damage coverage device, which communicates with a first financial institution;

transmitting money amount values based on the specifiable user factor by user modules to a second memory unit of a second damage coverage device, which communicates with a second financial institution, and storing the money amount values assigned to the accumulable damage risks;

transmitting, by the central unit, in response to damage events occurring in the time interval, first charging data with charging parameters for crediting money amount values to the one or more decentralized risk devices, which is assigned to a clearing module, the transmitted money amount values being decremented by the first memory unit, and being decremented by the second memory unit in response to the first memory unit including no further money amount values;

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

transmitting third charging parameters with charging parameters to the clearing module, which is assigned to the one of the user modules, for crediting money amount values on the basis of the money amount values of the second memory unit and the risk compensation factor, in response to the second memory unit containing money amount values after expiration of the time interval.

9. The method according to claim 8, further comprising:

transmitting, during an available time to one of the first financial institution and the second financial institution, the money amount values of one of the first and second memory unit, and

transmitting, by the one of the first financial institution and the second financial institution to a corresponding one of the first and second memory unit after the specifiable time interval, the compensation parameters corresponding to the transmitted money amount values.

10. The method according to claim 8, further comprising:

assigning, to at least one of the user modules, sub-modules of different risk classes with one of different risk compensation factors and different transmission condition parameters for transmitting money amount values from the second memory unit.

11. The method according to claim 8, further comprising:

comparing, using a monitoring module included in the central unit, the risk compensation factor with compensation parameters on the basis of the accumulated money amount values of the second memory unit, and

activating the second damage coverage system in response to the risk compensation factor being detected to be less than the compensation parameters within a definable threshold value.

12. The method according to claim 8, further comprising:

linking and synchronizing the damage coverage system with another damage coverage system that is based on a quota sharing parameter for the damage risks.

13. The method according claims 8, further comprising:

determining, by a weighting module, at least one variable weighting parameter on the basis of the backing amount parameters and a maximum possible damage sum.

14. The method according to claim 13, further comprising:

transmitting, by a user via a network, using an interface of the weighting module, the at least one variable weighting parameter to one of mobile and stationary network nodes.

15. A non-transitory computer readable medium including computer executable instructions, wherein the instructions, when executed by a computer, cause the computer to perform a method for single-stage or multi-stage damage coverage systems for transport devices, backing amount parameters being transmitted for one of damage risks and corresponding compensation parameters between a central unit and one or more decentralized risk devices, the method comprising:

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

dividing, by the central unit, the 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;

transmitting, by the central unit, the compensation parameters for the corresponding backing amount parameters of accumulable damage risks to a first memory unit of a first damage coverage device, which communicates with a first financial institution;

transmitting money amount values based on the specifiable user factor by user modules to a second memory unit of a second damage coverage device, which communicates with a second financial institution, and stored storing the money amount values assigned to the accumulable damage risks;

transmitting, by the central unit, in response to damage events occurring in the time interval, first charging data with charging parameters for crediting money amount values to the one or more decentralized risk devices, which is assigned to a clearing module, the transmitted money amount values being decremented by the first memory unit, and being decremented by the second memory unit in response to the first memory unit including no further money amount values;

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

transmitting third charging parameters with charging parameters to the clearing module, which is assigned to the one of the user modules, for crediting money amount values on the basis of the money amount values of the second memory unit and the risk compensation factor, in response to the second memory unit containing money amount values after expiration of the time interval.