ADAPTIVE COUPLING SYSTEM BASED ON A FLEXIBLE RISK TRANSFER STRUCTURE AND CORRESPONDING METHOD THEREOF

摘要

Proposed are a system (1) and a method for an event triggered switching device (11) envisioned for the complementary switching of two coupled insurance systems by providing self sufficient risk protection of a variable number of risk exposure components (21 22 23) by means of two resource pooling systems (10 12) associated with the insurance systems and wherein data structures (711 712 713) for storing a plurality of variable risk transfer segments (721 722 723) are provided by means of a segmentation table (7) of the switching device (11) and wherein an adaptable risk transfer function (73) is generated based on the structure (74) of the plurality of variable risk transfer segments (721 722 723). A payment parameter (731 732 733) is assigned to each variable risk transfer segment (721 722 723) of the segmentation table (7) and upon triggering the total payment sum of the payment parameters (73 732 733) at the second payment transfer module (42) the risk exposure of the first insurance system (10) associated with the variable risk transfer segments (721 722 723) of the top down table (7) is transferred to the second insurance system (12). When the occurrence of a risk event is detected by means of event driven triggers (31 32) in the data flow pathway (213 223 233) of measuring devices (215 225 235) the corresponding variable risk segment (721 722 723) is determined within the segmentation table (7) and an activation signal is generated based on the corresponding risk transfer function (73) wherein the complementary activation of the first and second resource pooling systems (10 12) is triggered by means of the generated activation signal and risk protection for the risk exposure components (21 22 23) is provided based on the transferred activation signal by means of the first and/or second resource pooling system (10 12).