AUTOMATED, TELEMATICS-BASED SYSTEM WITH SCORE-DRIVEN TRIGGERING AND OPERATION OF AUTOMATED SHARING ECONOMY RISK-TRANSFER SYSTEMS AND CORRESPONDING METHOD THEREOF

• US 20180075380A1
• Filed: 03/02/2017
• Published: 03/15/2018
• Est. Priority Date: 09/10/2016
• Status: Active Grant

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: PERL, Andri, BONGERS, Sebastiaan, GENOVESE, Donato, NAVES SORDO, Hector
• Granted Patent: US 11,580,474 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities
• CPC Class Codes: G06Q 2240/00 Transportation facility access, e.g. fares, tolls or parking
• CPC Class Codes: G06Q 30/0283 Price estimation or determination
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083

Abstract

Proposed is an automated telematics-based system (1) for score-driven operations associated with motor vehicles (41, . . . , 45) or transportation means of passengers or goods and based on a dynamic, telematics-based data aggregation, and method thereof, for automated risk-transfer related to complex peer-to-peer lending schemes, especially related to vehicles and car sharing schemes and sharing economy transportation schemes related to risks associated with damages to third parties. The telematics-based system (1) comprises telematics devices (411, . . . , 415) associated with the plurality of motor vehicles (41, . . . , 45), wherein the telematics devices (411, . . . , 415) comprise a wireless connection (42101-42108) to a central, expert-system-based circuit (11). The telematics devices (411, . . . , 415) are connected via interfaces (421, . . . , 425) to the sensors and/or measuring devices (401, . . . , 405) and/or an on-board diagnostic system (431, . . . , 435) and/or an in-car interactive device (441, . . . , 445), wherein the telematics devices (411, . . . , 415) capture usage-based (31) and/or user-based (32) and/or operational (33) telematics data (3) of the motor vehicle (41, . . . , 45) and/or user (321, 322, 323). In response to an emitted shadow request (109) individualized risk-transfer profiles (114) based upon the dynamically generated variable scoring parameters (1011, . . . , 1013) are transmitted from a first risk-transfer systems (11) to the corresponding motor vehicle (41, . . . , 45) and issued by means of a user unit (461, . . . , 465) of the motor vehicle (41, . . . , 45) for selection by the driver of the motor vehicles (41, . . . , 45). In return of issuing an individualized risk-transfer profile (114) over said user unit (461, . . . , 465), payment-transfer parameters are transmitted from the first risk-transfer system (11) to the provider of the telematics-based system (1).

Claims

1. A telematics-based system triggering score-driven operations associated with a plurality of motor vehicles or transportation of passengers or goods, the telematics based system comprising:

a plurality of telematics devices associated with the motor vehicles, the telematics devices configured to capture usage-based and/or user-based and/or operational telematics data of the motor vehicles and/or a user, the telematics devices being connected via a data transmission network to a central circuit of the telematics based system, wherein a data link is set by a wireless connection between the telematics devices and the central circuit transmitting at least the captured usage-based and/or user-based and/or operational telematics data from the telematics devices to the central circuit;

one or more first risk-transfer systems configured to provide a first risk-transfer based on first risk transfer parameters from at least some of the motor vehicles to one of the first risk-transfer systems, receive and store first payment parameters associated with risk-transfer of risk exposures of the motor vehicles for pooling of the motor vehicles'"'"' risks, wherein risk-related usage-based and/or user-based and/or operational telematics data captured from the telematics devices are triggered and monitored by telematics data-based triggers in dataflow pathway of the telematics devices; and

the central circuit configured to measure and/or generate a single or a compound set of variable scoring parameters profiling a use and/or style and/or environmental condition of driving during operations of the motor vehicles based upon the captured, triggered and monitored risk-related usage-based and/or user-based and/or operational telematics data, the variable scoring parameters at least including scoring parameters measuring a driver score measuring behavioral parameters of a driver, and/or a contextual score having at least number of intersections and/or road type, and/or a vehicle safety score having at least activated advanced driver assistance systems (ADAS)/adaptive features of the motor vehicles, and/or a mobility score having at least lending period and/or number of passengers, transmit a shadow request to at least one of the first risk-transfer systems decentrally connected to the central circuit over the data transmission network, the shadow request including at least the single or compound set of variable scoring parameters based upon the captured, triggered and monitored risk-related usage-based and/or user-based and/or operational telematics data, dynamically collect the single or compound set of variable scoring parameters, and generate one or more individualized risk-transfer profiles for a corresponding motor vehicle based upon the dynamically collected single or compound set of variable scoring parameters.

2. The telematics-based system according to claim 1, wherein in response to the transmitted shadow request, the one or more individualized risk-transfer profiles for a corresponding motor vehicle based upon the dynamically collected single or compound set of variable scoring parameters are transmitted from at least one first risk-transfer system to a user circuit associated with the corresponding motor vehicle, the individualized risk-transfer profiles being selectable by the user by the user circuit, and upon selection of an individualized risk-transfer profile an associated risk-transfer being automatically performed from the corresponding motor vehicle to the at least one first risk-transfer system of the selected individualized risk-transfer profile.

3. The telematics-based system according to claim 1, wherein the scoring parameters of the mobility score further comprise a trustworthiness score including at least a care of assets score, and/or a peer-to-peer lending score, and/or a car sharing score, and/or a transportation services risk score, and/or a trustworthiness score and/or a vehicle type score.

4. The telematics-based system according to claim 1, wherein the telematics devices comprising one or more wireless connections or wired connections and a plurality of interfaces to connect with at least one of the motor vehicles'"'"' data transmission bus, and/or a plurality of interfaces to connect with sensors and/or measuring devices, wherein, for providing the wireless connection, the telematics device acts as wireless node within the data transmission network by antenna connections of the telematics device) and the telematics devices are connected via the interfaces to the sensors and/or measuring devices and/or an on-board sensors and/or an in-car interactive device.

5. The telematics-based system according to claim 4, wherein the on-board sensors and/or measuring devices and/or an on-board diagnostic system and/or an in-car interactive device comprises proprioceptive sensors for sensing operating parameters of the motor vehicles and/or exteroceptive sensors for sensing environmental parameters during operations of the motor vehicles.

6. The telematics-based system according to claim 1, further comprising:

a second risk-transfer system associated with the central circuit, the second risk-transfer system configured to provide a second risk-transfer based on second risk-transfer parameters from the one or more first risk-transfer systems to the second risk-transfer system, receive, and store second payment parameters for pooling of risks of the one or more first risk-transfer systems associated with risk exposures transferred to the one or more first risk-transfer systems.

7. The telematics-based system according to claim 1, wherein the variable scoring parameters further include scoring parameters measuring a driving score and/or a contextual score and/or a vehicle safety score and/or an aggregated score and/or a pricing score and/or a usage and operation of ADAS score and/or a usage and operation of autonomous vehicle systems score and/or a credit score.

8. The telematics-based system according to claim 1, wherein the shadow request further comprises risk-relevant parameters based upon the captured, triggered and monitored risk-related usage-based and/or user-based and/or operational telematics data.

9. The telematics-based system according to claim 1, wherein the at least one individualized risk-transfer profile transmitted from the at least one first risk-transfer system to the motor vehicles, is issued by a dashboard connected to a user circuit or infotainment system as the user circuit of a motor vehicle or a mobile phone application of a mobile phone network node for selection by the driver of the motor vehicle, and in return of issuing an individualized risk-transfer profile over the user circuit, payment-transfer parameters are transmitted from the first risk-transfer system to the provider of the telematics-based system.

10. The telematics-based system according to claim 1, wherein the at least one individualized risk-transfer profile, transmitted from the at least one first risk-transfer system to a motor vehicle, is issued by a connected mobile telecommunication node application as a user circuit of the motor vehicle, wherein the individualized risk-transfer profiles are selectable by the user by the mobile telecommunication node application, and upon selection of an individualized risk-transfer profile an associated risk-transfer is automatically performed from the motor vehicle to the first risk-transfer system of a selected individualized risk-transfer profile.

11. The telematics-based system according to claim 1, wherein the shadow request is transmitted to a corresponding first risk-transfer system when transmission of the shadow request is permitted by a user circuit, the single or a compound set of variable scoring parameters being generated by the central circuit.

12. The telematics-based system according to claim 2, wherein the transmission of the shadow request to a specific first risk-transfer system depends on a definable distribution table included in the user circuit, the definable distribution table having a variable list with at least one first risk-transfer system.

13. The telematics-based system according to claim 1, wherein an individualized risk-transfer profiles of a first risk-transfer system is only issued by a user circuit or a mobile phone application or infotainment system/dashboard of the motor vehicle for selection by the driver of the motor vehicle when issuance is permitted by the telematics-based system.

14. The telematics-based system according to claim 1, wherein the variable scoring parameters are at least based upon a measure of driver behavior parameters having speed and/or acceleration and/or braking and/or cornering and/or jerking, and/or a measure of distraction parameters having a mobile phone usage while driving and/or a measure of fatigue parameters and/or alcohol use parameters and/or drug use parameters.

15. The telematics-based system according to claim 1, wherein the variable scoring parameters are at least based upon measured trip score parameters based on a road type and/or a number of intersections and/or tunnels and/or elevations, and/or measured time of travel parameters, and/or measured weather parameters and/or measured location parameters, and/or measured distance driven parameters.

16. The telematics-based system according to claim 1, wherein the variable scoring parameters are at least based upon measured ADAS feature activation parameters and/or measured vehicle crash test rating parameters and/or measured level of automation parameters of the motor vehicle and/or measured software risk scores parameters.

17. The telematics-based system according to claim 1, wherein the one or more individualized risk-transfer profiles provided by the one or more first risk-transfer systems time-dependently vary based on the single or compound set of variable scoring parameters measuring time-dependent use and/or style and/or environmental condition of driving during operation of the motor vehicle.

18. The telematics-based system according to claim 1, wherein the one or more first risk-transfer systems are realized as automated first risk-transfer systems to provide a first risk-transfer based on first risk transfer parameters from the motor vehicle to a respective first risk-transfer system configured to receive and store first payment parameters associated with risk-transfer of risk exposures of the motor vehicles for pooling of the motor vehicles'"'"' risks.

19. The telematics-based system according to claim 8, wherein the risk-relevant parameters of the shadow request comprise at least parts of the single or set compound of variable scoring parameters and/or at least parts of the usage-based and/or user-based and/or operating telematics data captured by vehicle embedded telematics devices or a mobile phone application as a user circuit.

20. The telematics-based system according to claim 4, wherein the one or more wireless connections or wired connections of vehicle embedded telematics devices comprise Bluetooth or Bluetooth Low Energy (LE) and/or Wi-Fi and/or Worldwide Interoperability for Microwave Access (WiMAX) as wireless connection for exchanging data using short-wavelength ultra high frequency radio waves in the industrial, scientific and medical radio band from 2.4 to 2.485 GHz by building a personal area networks with on-board Bluetooth capabilities or Bluetooth LE and/or 3G or 4G and/or Global Positioning System (GPS) and/or General Packet Radio Service (GPRS) and/or BT based on Wi-Fi 802.11 standard and/or WiMAX, and/or a contactless or contact smart card, and/or a Secure Digital Memory Card or another interchangeable non-volatile memory card.