Patent ID: 8290794
Filing Date: 2012-10-16
Classification: G06Q

Abstract:
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.