Telematics system with vehicle embedded telematics devices (OEM line fitted) for score-driven, automated risk-transfer and corresponding method thereof

• US 10,346,925 B2
• Filed: 12/29/2016
• Issued: 07/09/2019
• Est. Priority Date: 08/12/2016
• Status: Active Grant

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Perl, Andri, Bongers, Sebastiaan, Genovese, Donato, Naves Sordo, Hector
• Primary Examiner(s): Nguyen, Tien C
• Application Number:
  US15/394,260
• Publication Number:
  US 20180047107A1
• Time in Patent Office: 922 Days
• Field of Search: 705 4, 705 5, 705 3, 705 2, 701469, 701 314, 340439
• CPC Class Codes: G06N 5/02 Knowledge representation; Symbolic representation
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: H04M 3/22 Arrangements for supervision, monitoring or testing

Abstract

Proposed is a OEM-linked, telematics-based system and platform (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. The telematics-based system (1) comprises vehicle embedded telematics devices (OEM line fitted) (411, . . . , 415) associated with the plurality of motor vehicles (41, . . . , 45), wherein the vehicle embedded telematics devices (OEM line fitted) (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) of a central, expert-system based circuit (10) of system (1) associated with a second risk-transfer system, 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 dashboard (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 dashboard (461, . . . , 465), payment-transfer parameters are transmitted from the first risk-transfer system (11) to the OEM of the OEM-linked, telematics-based system and platform (1).

Claims

1. An Original Equipment Manufacturer (“

OEM”

)-linked, telematics-based system dynamically triggering automated, telematics-based automotive systems based on real-time capturing of vehicle telematics data for score-driven operations associated with motor vehicles or transportation of passengers or goods based on real-time scoring and measurements associated with motor vehicles with a dynamic triggered and dynamically adjustable, multi-tier risk-transfer system with a dynamic floating first-tier level risk-transfer, the telematics-based system comprising;

vehicle embedded telematics devices (OEM line fitted) associated with the plurality of motor vehicles, the vehicle embedded telematics devices (OEM line fitted) having one or more wireless connections or wired connections providing a plurality of interfaces for connection with at least one of a vehicle'"'"'s data transmission bus, with sensors and measuring devices, wherein

when providing the wireless connection, the telematics devices acts as a wireless node within a corresponding data transmission network via antenna connections of the telematics devices, and

the vehicle embedded telematics devices are connected via the interfaces to the sensors or measuring devices or an on-board diagnostic system,

the vehicle embedded telematics devices capture usage-based or user-based or operational telematics data of the motor vehicles or user;

one or more dynamically triggered and adjusted first risk-transfer systems to provide a dynamic floating 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, wherein the first risk-transfer systems includes circuitry configured to receive and store first payment parameters associated with risk-transfer of risk exposures of said motor vehicles for pooling of their risks; and

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

the plurality of vehicle embedded telematics devices (OEM line fitted) of the motor vehicles are connected via said data transmission network to a central, expert-system-based circuit associated with the second risk-transfer system,

a data link is set via the wireless connection between the vehicle embedded telematics devices and the central, expert-system based circuit transmitting at least the captured usage-based or user-based or operational telematics data from the vehicle embedded telematics devices (OEM line fitted) to the central, expert-system based circuit, wherein

by way of a vehicle-telematics driven aggregator of a central, expert-system based circuit associated with the second risk-transfer system, risk-related, usage-based or user-based telematics data captured from the vehicle embedded telematics devices (OEM line fitted) are triggered and monitored via telematics data-based triggers in the dataflow pathway of the vehicle embedded telematics devices (OEM line fitted),

the central, expert-system based circuit associated with the second risk-transfer system is further configured to measure or generate a single or a compound set of variable scoring parameters profiling the use or style or environmental condition of driving during operation of the motor vehicles based upon the captured, triggered and monitored risk-related usage-based or user-based or operational telematics data,

the central, expert-system based circuit associated with the second risk-transfer system transmits periodically a shadow request to at least one of the first risk-transfer systems decentrally connected to the central, expert-system based circuit over a data transmission network, the shadow request including at least said single or a compound set of variable scoring parameters or risk-relevant parameters based upon the captured, triggered and monitored risk-related usage-based or user-based or operational telematics data,

in response to the emitted shadow request, individualized risk-transfer profiles, based upon the dynamically collected single or compound set of variable scoring parameters, are transmitted from at least one first risk-transfer systems to a corresponding motor vehicle and issued via a dashboard of the motor vehicle for selection by the driver of the motor vehicles,

in return of issuing an individualized risk-transfer profile over said dashboard, payment-transfer parameters are transmitted from the first risk-transfer system to the OEM of the OEM-linked, telematics-based system, wherein

the individualized risk-transfer profile provided by the automated first risk-transfer systems time-dependently vary based on the generated single or compound set of variable scoring parameters measuring the time-dependent use and/or style and/or environmental condition of driving during operation of the motor vehicle, and wherein the risk-transfer of the dynamic floating first-tier level risk-transfer is adaptable, if a more preferable risk-transfer profile is triggered in relation to a selected risk-transfer profile, and

the risk-transfer profiles are captured and categorized in a dynamic result list by way of the central, expert-system based circuit, wherein shadow requests are periodically transmitted to the plurality of automated first risk-transfer systems based on the dynamically generated single or compound set of variable scoring parameters and/or the triggered, captured, and monitored usage-based and/or user-based and/or operational telematics data, and wherein the result list is dynamically adapted in real-time and displayed to the user for selection by way of the dashboard.

2. The OEM-linked, telematics-based system according to claim 1, wherein the central, expert-system based circuit transmits the shadow request to a corresponding first risk-transfer system, when transmission of the shadow request is permitted by an access control circuit of the OEM of the OEM-linked, telematics-based system, wherein the single or a compound set of variable scoring parameters are generated via the circuitry the second risk-transfer system.

3. The OEM-linked, telematics-based system according to claim 2, wherein the access control circuit includes a definable distribution table having a variable list with at least one first risk-transfer system, wherein the transmission of the shadow request to a specific first risk-transfer system depends on the definable distribution table of the access control.

4. The OEM-linked, telematics-based system according to claim 1, wherein an individualized risk-transfer profile of a first risk-transfer system is only issued via the dashboard of the motor vehicle for selection by the driver, when issuance is permitted by an access control circuit of the OEM of the OEM-linked, telematics-based system.

5. The OEM-linked, telematics-based system according to claim 1, wherein the single or compound set of variable scoring parameters profiling the use or style or environmental condition of driving during operation of the motor vehicle and generated via the central, expert-system based circuit at least include scoring parameters measuring a driving score or a contextual score or a vehicle safety score.

6. The OEM-linked, telematics-based system according to claim 5, wherein the contextual score is at least based upon measured trip score parameters based on road type or number of intersection or tunnels or elevation, or measured time of travel parameters, or measured weather parameters or measured location parameters, or measured distance driven parameters.

7. The OEM-linked, telematics-based system according to claim 5, wherein the vehicle safety score is at least based upon measured feature activation parameters or measured vehicle crash test rating parameters or measured level of automation parameters of the motor vehicle or measured software risk scores parameters.

8. The OEM-linked, telematics-based system according to claim 1, wherein the variable driving scoring parameter is at least based upon a measure of driver behavior parameters including speed or acceleration or braking or cornering or jerking, or a measure of distraction parameters including mobile phone usage while driving or a measure of fatigue parameters or drug use parameters.

9. The OEM-linked, telematics-based system according to claim 1, wherein the individualized risk-transfer profile provided by the automated first risk-transfer systems time-dependently vary based on the generated single or compound set of variable scoring parameters measuring time-dependent use or style or environmental condition of driving during operation of the motor vehicle.

10. The OEM-linked, telematics-based system according to claim 1, wherein the on-board sensors or measuring devices or an on-board diagnostic system or an in-car interactive device include proprioceptive sensors for sensing operating parameters of the motor vehicle or exteroceptive sensors for sensing environmental parameters during operation of the motor vehicle.

11. The OEM-linked, telematics-based system according to claim 10, wherein the exteroceptive sensors or measuring devices include at least radar devices for monitoring surrounding of the motor vehicle or LIDAR devices for monitoring surrounding of the motor vehicle or global positioning systems or vehicle tracking devices for measuring positioning parameters of the motor vehicle or odometrical devices for complementing and improving the positioning parameters measured by the global positioning systems or vehicle tracking devices or computer vision devices or video cameras for monitoring the surrounding of the motor vehicle or ultrasonic sensors for measuring the position of objects close to the motor vehicle.

12. The OEM-linked, telematics-based system according to claim 1, wherein the automated first risk-transfer system provides a first risk-transfer based on first risk transfer parameters from the motor vehicle to the respective first risk-transfer system, wherein the first risk-transfer system circuitry is configured to receive and store first payment parameters associated with risk-transfer of risk exposures of said motor vehicles for pooling of their risks.

13. The OEM-linked, telematics-based system according to claim 1, wherein the risk-relevant parameters of the shadow request include at least parts of the generated single or set compound of variable scoring parameters or at least parts of the usage-based or user-based or operating telematics data captured by the vehicle embedded telematics devices (OEM line fitted).

14. The OEM-linked, telematics-based system according to claim 1, wherein the one or more wireless connections or wired connections of the vehicle embedded telematics devices (OEM line fitted) include Bluetooth or Bluetooth LE or Wi-Fi or WiMAX as wireless connection for exchanging data using short-wavelength UHF (Ultra high frequency) radio waves in the ISM (industrial, scientific and medical) radio band from 2.4 to 2.485 GHz by building a personal area networks with the on-board Bluetooth capabilities or Bluetooth LE (Low Energy) or 3G or 4G or GPS or GPRS or BT based on Wi-Fi 802.11 standard or WiMAX, or a contactless or contact smart card, or a SD card (Secure Digital Memory Card) or another interchangeable non-volatile memory card.

15. The OEM-linked, telematics-based system according to claim 10, wherein the exteroceptive sensors or measuring devices for sensing environmental parameters at least include distances to objects or intensity of the ambient light or sound amplitude.

16. The OEM-linked, telematics-based system according to claim 10, wherein the proprioceptive sensors or measuring devices for sensing operating parameters of the motor vehicles include at least motor speed or wheel load or heading or battery status of the motor vehicles.

17. The OEM-linked, telematics-based system according to claim 1, wherein the on-board sensors and measuring devices include at least a GPS device or a GSM device with GSM tracking via GSM triangulation or geological compass device based on a 3-axis teslameter and a 3-axis accelerometer, or gyrosensor or gyrometer, or a MEMS accelerometer sensor including a cantilever beam with the seismic mass as a proof mass measuring the proper or g-force acceleration, or a MEMS magnetometer or a magnetoresistive permalloy sensor or another three-axis magnetometers or a three-axis MEMS-based gyroscopes or an appropriate MEMS-based inertial measurement device incorporating up to all nine axes of sensing in a single integrated circuit.

18. The OEM-linked, telematics-based system according to claim 1, wherein the risk-transfer profiles are captured and categorized in a dynamic result list via the central, expert-system based circuit, wherein shadow requests are periodically transmitted to the plurality of automated first risk-transfer systems based on the dynamically generated single or compound set of variable scoring parameters or the triggered, captured, and monitored usage-based or user-based or operational telematics data, and wherein the result list is dynamically adapted in real-time and displayed to the user for selection via the dashboard.

19. The OEM-linked, telematics-based system according to claim 18, wherein the result list is dynamically adapted in real-time and displayed to the user for selection based upon definable categorization criteria including first payment parameters or duration or risk-transfer structure.

20. The OEM-linked, telematics-based system according to claim 1, wherein the risk-transfer profiles are captured and categorized in the result list via the central, expert-system based circuit, wherein shadow requests are generated and transmitted to the plurality of automated first risk-transfer systems based on the dynamically generated single or compound set of variable scoring parameters or the triggered, captured, and monitored usage-based or user-based telematics data, when the central, expert-system based circuit triggers an alternation of the dynamically generated single or compound set of variable scoring parameters or the triggered, captured, and monitored usage-based or user-based or operational telematics data, and wherein the result list is dynamically adapted in real-time and displayed to the user for selection via the dashboard.

21. The OEM-linked, telematics-based system according to claim 1, wherein the OEM-linked, telematics-based system automatically alerts the user, when a more preferable risk-transfer profile is triggered in relation to a selected risk-transfer profile.

22. The OEM-linked, telematics-based system according to claim 1, wherein the OEM-linked, telematics-based system automatically adapts a risk-transfer of a user, when a more preferable risk-transfer profile is triggered in relation to a selected risk-transfer profile.

23. The OEM-linked, telematics-based system according to claim 1, wherein the transmitted shadow request with the risk-related telematics data is processed via the selected, automated first risk-transfer systems, wherein first risk transfer parameters and correlated first payment transfer parameters are generated via the automated first risk-transfer systems, and wherein, in the case of triggering the occurrence of one of defined risk events associated with transferred risk exposure of the motor vehicles, an occurred loss is automatically covered by the corresponding automated first risk-transfer system based on the first risk transfer parameters and correlated first payment transfer parameters.

24. The OEM-linked, telematics-based system according to claim 1, wherein the OEM-linked, telematics-based system includes a second risk-transfer system to provide a second risk-transfer based on second risk-transfer parameters from the automated first risk-transfer system to the second risk-transfer system, wherein the second risk-transfer system circuitry is configured to receive and store second payment parameters for pooling of the risks of the first risk-transfer systems associated with risk exposures transferred to the first risk-transfer systems.

25. The OEM-linked, telematics-based system according to claim 24, wherein second risk transfer parameters and correlated second payment transfer parameters are generated via the central, expert-system based circuit of the second risk-transfer system, wherein an occurred loss is at least partly covered by the second insurance system based on the second risk transfer parameters and correlated second payment transfer parameters.

26. The OEM-linked, telematics-based system according to claim 25, wherein the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted or optimized via the OEM-linked, telematics-based system based on the usage-based or user-based or operational automotive data captured from the motor vehicles, based on the risk-transfer profile selection of the user, and based on the pooled risks of the first risk transfer systems.

27. The OEM-linked, telematics-based system according to claim 1, wherein the transmitted telematics data at least include simultaneous measured, time-dependent contextual or environmental data of the motor vehicle including at least measured weather condition parameters or location coordinate parameters.

28. The OEM-linked, telematics-based system according to claim 1, wherein the OEM-linked, telematics-based system provides the risk exposure for one or a plurality of the pooled risk exposed motor vehicles based on the captured risk-related telematics data, wherein the first or second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically generated based on the likelihood of the occurrence of the predefined risk events of the pooled driving motor vehicles.

29. The OEM-linked, telematics-based system according to claim 1, wherein occurred and triggered losses are automatically aggregated by captured loss parameters of the measured occurrence of risk events over all risk exposed motor vehicles within a predefined time period by incrementing an associated stored aggregated loss parameter and for automatically aggregating the received and stored first payment parameters overall risk exposed motor vehicles within the predefined time period by incrementing an associated stored, aggregated payment parameter, and wherein the variable first or second risk transfer parameters and the correlated first or second payment transfer parameters dynamically are generated based upon the ratio of the aggregated loss parameter and the aggregated payment parameter.

30. The OEM-linked, telematics-based system according to claim 1, wherein the first risk-transfer system includes an automated first resource pooling system and the second risk-transfer system includes an automated second resource pooling system, wherein the risk exposed motor vehicles are connected to the first resource pooling system via first risk-transfer system circuitry configured to receive and store first payments from the risk exposed motor vehicles for the pooling of their risk exposures, wherein the first risk-transfer system provides automated risk protection for each of the connected risk exposed motor vehicles based on received and stored first payment parameters, wherein the first risk-transfer system is connected to the second resource pooling system second risk-transfer system circuitry configured to receive and store second payment parameters from the first risk-transfer system for adopting of a portion of the risk exposures accumulated by the first risk-transfer system, and wherein, in the case of the occurrence of one of defined risk events the occurred loss is automatically covered by the automotive car system.

31. The OEM-linked, telematics-based system according to claim 1, wherein the central, expert-system based circuit includes additional triggers triggering accident notification or other added services based on the captured automotive data associated with the motor vehicles.

32. The OEM-linked, telematics-based system according to claim 1, wherein the vehicle embedded telematics devices (OEM line fitted) provides the one or more wireless connections via radio data systems devices or positioning system including a satellite receiving device or a mobile telephone interface including a digital radio service device or a language device in communication the radio data system or the positioning system or the cellular telephone interface.

33. The OEM-linked, telematics-based system according to claim 1 wherein the interfaces of the vehicle embedded telematics devices (OEM line fitted) for connection with at least one of a motor vehicle'"'"'s data transmission bus include an interface for connection with a motor vehicle'"'"'s Controller Area Network bus.

34. The OEM-linked, telematics-based system according to claim 1, wherein the vehicle embedded telematics devices (OEM line fitted) includes secured circuitry for saving processor-driving operation code and flash memory reading and capturing of the automotive data.

35. The OEM-linked, telematics-based system according to claim 1, wherein the vehicle embedded telematics devices (OEM line fitted) are connected to an in-car interactive device, wherein the vehicle'"'"'s speed and travel distances is monitored by a global positioning system circuit and wherein the automotive data are transmitted via the vehicle embedded telematics devices (OEM line fitted) to the central, expert-system based circuit via a cellular telecommunication connection.

36. The OEM-linked, telematics-based system according to claim 1, wherein, in response to the emitted shadow request, individualized risk-transfer profiles 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 corresponding motor vehicle and issued by a mobile application of a mobile radio device or a mobile phone of the driver for selection by the driver of the motor vehicles, wherein said mobile application is associated with the OEM of the OEM-linked, telematics-based system.