| 摘要 |
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.
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