Autonomous or partially autonomous motor vehicles with automated risk-controlled systems and corresponding method thereof

• US 10,460,394 B2
• Filed: 10/17/2016
• Issued: 10/29/2019
• Est. Priority Date: 06/24/2016
• Status: Active Grant

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Perl, Andri, Bongers, Sebastiaan, Genovese, Donato, Keller, Andrea
• Primary Examiner(s): Subramanian, Narayanswamy
• Application Number:
  US15/295,522
• Publication Number:
  US 20170372431A1
• Time in Patent Office: 1,107 Days
• CPC Class Codes: G06Q 10/047 Optimisation of routes or paths, e.g. travelling salesman problem
• 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: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/085 using electronic data carriers
• CPC Class Codes: G08G 1/0112 from the vehicle, e.g. floating car data [FCD]

Abstract

Aspects of the disclosure include a first risk-transfer system, a second risk-transfer system, and an expert-system based circuit. The first risk-transfer system is configured to provide a first risk-transfer based on first risk-transfer parameters from a plurality of motor vehicles to the first risk-transfer system, and receive and store first payment parameters associated with risk exposures of the plurality of motor vehicles. The second risk-transfer system is configured to provide a second risk-transfer based on second risk-transfer parameters from the first risk-transfer system to the second risk-transfer system, and receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems. The expert-system based circuit is configured to receive environmental parameters and operating parameters from the plurality of motor vehicles, adjust the first risk transfer parameters and correlated first payment transfer parameters, and adjust the second risk transfer parameters and correlated second payment transfer parameters.

Claims

1. An automotive car system, comprising:

a plurality of autonomous or partially autonomous driving motor vehicles, including;

exteroceptive sensors or measuring devices configured to sense environmental parameters, the environmental parameters including at least distances to objects, intensity of an ambient light, or sound amplitude;

proprioceptive sensors or measuring devices configured to sense operating parameters of the motor vehicles, the operating parameters including at least a motor speed, wheel load, heading, or battery status of the motor vehicles;

automotive control systems configured to identifying appropriate navigation paths, obstacles, or relevant signage by interpreting sensory data of the exteroceptive and proprioceptive sensors or measuring devices; and

telematics devices with one or more wireless connections or wired connections between the automotive control systems and an external system, the telematics devices having a plurality of interlaces for connection with at least one of a vehicle'"'"'s data transmission bus or a plurality of interfaces for connection with the exteroceptive and proprioceptive sensors or measuring devices;

a first risk-transfer system configured to provide a first risk-transfer based on first risk transfer parameters from at least some of the motor vehicles to the first risk-transfer system, the first risk-transfer system including a plurality of payment transfer modules configured to receive and store first payment parameters associated with risk-transfer of risk exposures of the motor vehicles for pooling of risks of the motor vehicles; and

a second risk-transfer system configured to provide a second risk-transfer based on second risk-transfer parameters from the first risk-transfer system to the second risk-transfer system, the second risk-transfer system including second payment transfer modules configured to receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems for pooling of risks of the first risk-transfer system,

wherein

the autonomous or partially autonomous driving motor vehicles or the automotive control systems are connected to a central, expert-system based circuit through the telematics devices, a data link between the central, expert-system based circuit and the motor vehicles being based on the wireless connections, the motor vehicles transmitting at least usage-based, user-based, or operational automotive data via the telematics devices to the central, expert-system based circuit, the usage-based, user-based, or operational automotive data being based on the sensory data of the exteroceptive and proprioceptive sensors or measuring devices or operating parameters of the automotive control systems,

risk-related automotive data captured from the transmitted automotive data of the motor vehicles are processed by the central, expert-system based circuit, the first risk transfer parameters and correlated first payment transfer parameters being generated by the central, expert-system based circuit and transmitted to the first risk-transfer system, and, in the case of triggering an occurrence of one of defined risk events associated with the transferred risk exposure of the motor vehicles, occurred loss being automatically covered by the first risk-transfer system based on the first risk transfer parameters and correlated first payment transfer parameters,

second risk transfer parameters and correlated second payment transfer parameters are generated by the central, expert-system based circuit and transmitted to the second risk-transfer system, the occurred loss being at least partly covered by the second risk-transfer system based on the second risk transfer parameters and correlated second payment transfer parameters, and

the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted or optimized by the central, expert-system based circuit based on the usage-based, user-based, or operational automotive data captured from the plurality of autonomous or partially autonomous driving motor vehicles and based on the pooled risks of the first risk-transfer systems.

2. The automotive car system according to claim 1, wherein at least one of the automotive control systems at least measures a level of automation of car driving or activation of autonomous driving support of a corresponding motor vehicle, and transmits the measured level of automation of the car driving or the activation of autonomous driving support of the corresponding motor vehicle as part of the automotive data via the telematics devices to the central, expert-system based circuit.

3. The automotive car system according to claim 2, wherein the generated first and second risk transfer parameters and correlated first and second payment transfer parameters at least depend on the measured level of automation of the car driving and/or the activation of autonomous driving support of the corresponding motor vehicle.

4. The automotive car system according to claim 3, wherein the first and second risk transfer parameters and correlated first and second payment transfer parameters generated by the central, expert-system based circuit at least depend on the activation of autonomous driving support of the corresponding motor vehicle in relation to contextual or environmental data of the transmitted automotive data, impact of the activation of a specific autonomous driving support to the generated parameters depending on simultaneous measured, time-dependent contextual data of the transmitted automotive data.

5. The automotive car system according to claim 4, wherein said simultaneous measured, time-dependent contextual or environmental data of the transmitted automotive data at least comprise measured weather condition parameters or location coordinate parameters.

6. The automotive car system according to claim 4, wherein

a time-dependent contextual score parameter is measured based on the contextual or environmental data of the transmitted automotive data,

a car-manufacturer score parameter for each activated autonomous driving support of the specific motor vehicle is determined,

the car-manufacturer score parameters are determined based on performance, efficiency, or quality measurements of the activated autonomous driving support of the corresponding motor vehicle, and

the first and second risk transfer parameters and correlated first and second payment transfer parameters generated by the central, expert-system based circuit at least depend on the measured contextual score parameters and the car-manufacturer score parameters.

7. The automotive car system according to claim 1, wherein

the defined risk events associated with the transferred risk exposure of the motor vehicles at least comprise transferred risk exposure related to liability risk-transfers for damages, losses, or delay in delivery, and

the occurred loss is automatically covered by the first risk-transfer system based on the first risk transfer parameters and correlated first payment transfer parameters.

8. The automotive car system according to claim 1, wherein

the central, expert-system based circuit comprises a table including categorization trigger parameters for triggering a predefined level of automation of the motor vehicles applied by the autonomous control systems of the motor vehicles,

the first and second risk transfer parameters and the correlated first or second payment transfer parameters are dynamically adapted or accumulated by the central, expert-system based circuit based on the triggered categorization of the motor vehicles during usage and based upon the usage-based, user-based, or operational automotive data captured from the plurality of motor vehicles.

9. The automotive car system according to claim 1, wherein the exteroceptive sensors or measuring devices comprise at least radar devices for monitoring the surrounding of the motor vehicle, light detection and ranging (LIDAR) devices for monitoring surrounding of the motor vehicle, global positioning systems or vehicle tracking devices for measuring positioning parameters of the motor vehicle, odometrical devices for complementing and improving the positioning parameters measured by the global positioning systems or vehicle tracking devices, computer vision devices or video cameras for monitoring the surrounding of the motor vehicle, or ultrasonic sensors for measuring position of objects close to the motor vehicle.

10. The automotive car system according to claim 1, wherein for providing the wireless connection, at least one of the telematics devices acts as a wireless node within a corresponding data transmission network through antenna connections of the at least one of the telematics devices.

11. The automotive car system according to claim 1, wherein

the autonomous control systems of the motor vehicles for autonomous motor vehicle driving is connected to an on-board diagnostic system, an in-car interactive device, or a monitoring cellular mobile node application, and

the autonomous control systems capture the usage-based, user-based, or operational automotive data of the motor vehicles or user.

12. The automotive car system according to claim 1, wherein

the central, expert-system based circuit comprises an aggregation module providing the risk exposure for one or a plurality of the pooled risk exposed motor vehicles based on the captured risk-related automotive data, and

the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically generated based on likelihood of the occurrence of predefined risk events of the pooled risk exposed motor vehicles.

13. The automotive car system according to claim 1, wherein

occurred and triggered losses are automatically aggregated based on captured loss parameters of a measured occurrence of risk events over all risk exposed motor vehicles within a predefined time period by incrementing an associated stored aggregated loss parameter,

the received and stored first payment parameters over all risk exposed motor vehicles are automatically aggregated within the predefined time period by incrementing an associated stored, aggregated payment parameter, and

the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically generated based upon a ratio of the aggregated loss parameter and the aggregated payment parameter.

14. The automotive car system according to claim 1, wherein the first and second risk-transfer system are automatically steered, triggered, signaled, and mutually activated based on the dynamic-adaptable first and second risk transfer parameters and the correlated first and second payment transfer parameters by the central, expert-system based circuit, providing a self-sufficient risk protection for a variable number of the motor vehicles associated with the telematics devices by the first and second risk transfer systems.

15. The automotive car system according to claim 14, wherein

the first risk-transfer system comprises an automated first resource pooling system,

the second risk-transfer system comprises an automated second resource pooling system,

the risk exposed motor vehicles are connected to the first resource pooling system through the plurality of payment transfer modules configured to receive and store first payments from the risk exposed motor vehicles for the pooling of risk exposures,

the first risk-transfer system provides automated risk protection for each of the connected risk exposed motor vehicles based on the received and stored first payment parameters,

the first risk-transfer system is connected to the second resource pooling system through second payment transfer modules 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

in the case of the occurrence of one of defined risk events the occurred loss is automatically covered by the automotive car system.

16. The automotive car system according to claim 1, wherein the central, expert-system based circuit comprises a score driving module triggering and automatically selecting scores driving parameters based on defined autonomous scores driving behavior pattern by comparing captured automotive data with the defined autonomous scores driving behavior pattern.

17. The automotive car system according to claim 16, wherein the score driving module automatically captures scores risks according to a measured location or trip of the motor vehicles based on the captured automotive data of the control system for autonomous motor vehicle driving associated with the motor vehicles.

18. The automotive car system according to claim 16, wherein the score driving module automatically captures scores risks according to a measured maintenance and surveillance factor extracted from the automotive data associated with the autonomous driving motor vehicle or the control systems or the use of active safety features.

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

20. The automotive car system according to claim 1, wherein the telematics devices provide the one or more wireless connections through a radio data system (RDS) module, a positioning system including a satellite receiving module, a mobile telephone including a digital radio service module, or a language unit in communication the radio data system or the positioning system or the cellular telephone module.

21. The automotive car system according to claim 20, wherein

the satellite receiving module comprises a Global Positioning System (GPS) circuit, or

the digital radio service module comprises at least a Global System for Mobile Communications (GSM) unit.

22. The automotive car system according to claim 1, wherein the plurality of interfaces for connection with the at least one of a motor vehicle'"'"'s data transmission bus comprises at least one interface for connection with a motor vehicle'"'"'s Controller Area Network (CAN) bus.

23. The automotive car system according to claim 1, wherein at least one of the automotive control systems or at least some of the telematics devices comprise secured storage for saving processor-driving operation code and flash memory for reading and capturing of the automotive data.

24. The automotive car system according to claim 1, wherein at least some of the automotive data are captured by sensors including at least an accelerometer to measure the motor vehicle'"'"'s g-force during acceleration, braking, and cornering or a global positioning system (GPS) to record location data and to calculate driving distances.

25. The automotive car system according to claim 1, wherein at least some of the telematics devices comprise a cellular modem to transmit the automotive data from the control systems for autonomous motor vehicle driving through the telematics device to the central, expert-system based circuit.

26. The automotive car system according to claim 1, wherein at least one of the automotive control systems is connected to an on-board diagnostic (OBD) system monitoring the vehicle'"'"'s systems or subsystems.

27. The automotive car system according to claim 26, wherein at least one of the automotive control systems, connected to the on-board diagnostic (OBD) system of the corresponding motor vehicle, is connected by plugging in a data transmission wire into an appropriate port of the on-board diagnostic system.

28. The automotive car system according to claim 1, wherein at least one of the automotive control systems is connected to an in-car interactive device, the vehicle'"'"'s speed and travel distances being monitored by a global positioning system (GPS) circuit and the automotive data being transmitted via the telematics device to the central, expert-system based circuit through a cellular telecommunication connection.

29. The automotive car system according to claim 1, wherein at least one of the automotive control systems comprises a speaker and a voice connection from the central, expert-system based circuit or the first or second risk-transfer system to the at least one of the automotive control systems thereby providing real-time services to a user of the corresponding motor vehicle on their driving pattern or other usage-based, user-based, or operating parameters.

30. The automotive car system according to claim 1, wherein

at least some of the automotive control systems are connected to mobile phone applications,

an associated mobile phone comprises a global positioning system (GPS) circuit or is configured to perform mobile network triangulation providing monitoring of travel speed, frequency of travel, location, and driving style, and

the mobile phone'"'"'s network connection is used to transmit the captured automotive data to the central, expert-system based circuit.

31. The automotive car system according to claim 1, wherein, in the case of triggering exceedance of a defined activation threshold parameter, the second risk-transfer system is automatically activated by transferring activation signaling to the second risk-transfer system covering, upon activation, an adopted portion of risk exposures accumulated by the first risk-transfer system.

32. The automotive car system according to claim 1, wherein, in the case of triggering the occurrence of a loss based upon captured loss parameters of measured predefined event, the second risk-transfer system is automatically activated by transferring activation signaling to the second risk-transfer system covering, upon activation, a predefined portion of the occurred loss at the first risk-transfer system.

33. The automotive car system according to claim 1, wherein

an aggregation module of the automotive car system automatically aggregates captured loss parameters of measured occurrence of risk events over all risk exposed,

the motor vehicles increment an associated stored aggregated loss parameter within a predefined time period and automatically aggregates the received and stored first payment parameters over all risk exposure components within the predefined time period by incrementing an associated stored, aggregated payment parameter,

a variable loss ratio parameter is dynamically generated based upon the ratio of the aggregated loss parameter and the aggregated payment parameter, and

the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically generated based on likelihood of the occurrence of predefined risk events of the pooled motor vehicles and the variable loss ratio parameter.

34. The automotive car system according to claim 33, wherein, by triggering the variable loss ratio parameter exceeding a loss ratio threshold value, the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted based on the likelihood of the occurrence of the predefined risk events of the pooled motor vehicles and the variable loss ratio parameter.

35. The automotive car system according to claim 1, wherein the triggering exceedance of a defined activation threshold parameter is associated with triggered value of an accumulated occurrence of measured risk events.

36. The automotive car system according to claim 1, wherein

the risk exposed motor vehicles are connected to the first risk-transfer system transferring risk exposure associated with the occurrence of defined risk events from the risk exposed motor vehicles to a risk-transfer insurance system based on dynamically adapted and optimized first risk transfer parameters and correlated dynamically aligned first payment transfer parameters,

the first risk-transfer system is connected to the second risk-transfer system by transferring risk exposure associated with the occurrence of the defined risk events from the first risk-transfer system to the second risk-transfer system based on dynamically adapted and optimized second risk transfer parameters and correlated dynamically aligned second payment transfer parameters,

in the case of the occurrence of one of the defined risk events, loss parameters measuring loss at the risk exposed motor vehicles are captured and transmitted to the first risk-transfer system, and

the occurred loss is automatically covered by the first risk-transfer system based on the optimized first risk transfer parameters.

37. The automotive car system according to claim 36, wherein

in the case of the occurrence of one of defined risk events, loss parameters measuring the loss at the risk exposed autonomous motor vehicles are automatically captured and transmitted to the first risk-transfer system, and

the occurred loss is automatically covered by the first risk-transfer system.

38. The automotive car system according to claim 1, further comprising a control device configured to capture a payment transfer from the first risk-transfer system to the second payment transfer module, wherein the second risk-transfer system of the system is only activatable by triggering a payment transfer matching a predefined activation control parameter.

39. The automotive car system according to claim 1, wherein

a loss associated with a predefined risk event and allocated to a pooled risk exposed motor vehicle is distinctly covered by an automated first resource pooling system of the first risk-transfer system via a transfer of payments from the first resource pooling system a corresponding risk exposed motor vehicle, and

a second payment transfer from an automated second resource pooling system of the second risk-transfer system to the first resource pooling system is triggered via a generated activation signal based on measured actual loss of the corresponding risk exposed motor vehicle by the automotive car system.

40. The automotive car system according to claim 39, wherein the loss corresponding to the risk transferred to the second risk-transfer system is directly covered by the second resource pooling system through the transfer of resources from the second resource pooling system to the corresponding risk exposed motor vehicle via the second payment transfer module.

41. The automotive car system according to claim 1, wherein

said central, expert-system based circuit of the automotive car system is configured to process risk-related automotive data and provide likelihood of the occurrence of predefined risk events of the pooled motor vehicles based on the risk-related automotive data, and

receipt and preconditioned storage of payments from the risk exposed motor vehicles for the pooling of the risks of the risk exposed motor vehicles are dynamically determined based on total risk or likelihood of the occurrence of the predefined risk events of the pooled motor vehicles.

42. The automotive car system according to claim 1, wherein

risk-related automotive data are processed by the central, expert-system based circuit,

likelihood of the occurrence of predefined risk events of the pooled motor vehicles is generated based on the risk-related automotive data, and

receipt and preconditioned storage of payments from a first resource pooling system associated with the first risk-transfer system to a second resource pooling system associated with the second risk-transfer system for the transfer of risk are dynamically determined based on total risk or the likelihood of the occurrence of the predefined risk events of the pooled motor vehicles.

43. The automotive car system according to claim 1, wherein

a number of pooled risk exposed motor vehicles is dynamically adapted via the first risk-transfer system by the central, expert-system based circuit to a range where non-covariant occurring risks covered by the first risk-transfer system affect only a relatively small proportion of total pooled risk exposed driving motor vehicles at any given time.

44. The automotive car system according to claim 1, wherein the risk transfer from the first risk-transfer system is dynamically adapted via the second risk-transfer system by the central, expert-system based circuit to a range where non-covariant occurring risks covered by the second risk-transfer system affect only a relatively small proportion of the total risk transferred from the first risk-transfer system at any given time.

45. The automotive car system according to claim 1, wherein the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted the central, expert-system based circuit based on time-correlated incidence data for one or a plurality of risk events.

46. The automotive car system according to claim 1, wherein

upon each triggering of an occurrence of captured automotive data or parameters indicating a risk event by the central, expert-system based circuit, a total parametric payment is allocated with the triggering, and

the total allocated payment is transferable when the occurrence has been triggered to the corresponding pooled risk exposed driving motor vehicle affected by a measured occurrence of said risk event.

47. The automotive car system according to claim 1, wherein, in the case of triggering an exceedance of a defined activation threshold parameter associated with the occurrence of the defined risk events or as a predefined portion of an occurred loss, the occurred loss is at least partly covered by the second risk-transfer system based on the second risk transfer parameters and correlated second payment transfer parameters.

48. The automotive car system according to claim 1, wherein the automotive car system with the control systems for autonomous motor vehicle driving is a machine-learning based automotive car system.

49. An automotive car system, comprising

a plurality of autonomous or partially autonomous driving motor vehicles, including:

exteroceptive sensors or measuring devices configured to sense environmental parameters, the environmental parameters including at least distances to objects, intensity of an ambient light, or sound amplitude;

proprioceptive sensors or measuring devices configured to sense operating parameters of the motor vehicles, the operating parameters including at least a motor speed, wheel load, heading, or battery status of the motor vehicles; and

one or more automotive control systems configured to identify appropriate navigation paths, obstacles, or relevant signage by interpreting sensory data of the exteroceptive sensors or measuring devices and the proprioceptive sensors or measuring devices;

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 the first risk-transfer system, at least one of the one or more first risk-transfer systems including a plurality of payment transfer modules configured to receive and store first payment associated with risk-transfer of risk exposures of said motor vehicles for pooling of risks of the motor vehicles; and

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

wherein

the motor vehicles or the automotive control systems are connected to a central, expert-system based circuit through a data link transmitting at least usage-based, user-based, or operational automotive data to the central, expert-system based circuit, the usage-based, user-based, or operational automotive data are based on the sensory data of the exteroceptive and proprioceptive sensors or measuring devices or operating parameters of the automotive control system,

risk-related automotive data captured from the motor vehicles are processed by the central, expert-system based circuit, the first risk transfer parameters and correlated first payment transfer parameters being generated by the central, expert-system based circuit and transmitted to the one or more first risk-transfer systems, and, in the case of triggering an occurrence of one of defined risk events associated with transferred risk exposure of the motor vehicles, an occurred loss being automatically covered by the one or more first risk-transfer systems based on the first risk transfer parameters and correlated first payment transfer parameters,

the second risk transfer parameters and correlated second payment transfer parameters are generated by the central, expert-system based circuit and transmitted to the second risk-transfer system, the occurred loss being at least partly covered by the second risk-transfer system based on the second risk transfer parameters and correlated second payment transfer parameters, and

the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted or optimized by the central, expert-system based circuit based on the usage-based, user-based, or operational automotive data captured from the plurality of autonomous or partially autonomous motor vehicles and based on the pooled risks of the one or more first risk transfer systems.

50. An automotive method for an automotive car system, the method comprising:

sensing environmental parameters by exteroceptive sensors or measuring devices of a plurality of autonomous or partially autonomous driving motor vehicles, the environmental parameters including distances to objects, intensity of an ambient light, or sound amplitude;

sensing operating parameters by proprioceptive sensors or measuring devices of the plurality of autonomous or partially autonomous driving motor vehicles, the operating parameters including a motor speed, wheel load, heading, or battery status of the motor vehicles;

identifying appropriate navigation paths, obstacles, or relevant signage by interpreting sensory data of the exteroceptive and proprioceptive sensors or measuring devices for autonomous or partially autonomous driving of the motor vehicles;

transmitting at least usage-based, user-based, or operational autonomous data via telematics devices to a central, expert-system based circuit, the usage-based, user-based, or operational automotive data being based on the sensory data of the exteroceptive and proprioceptive sensors or measuring devices or operating parameters of an automotive control system;

providing a first risk-transfer by one or more automated first risk-transfer systems based on first risk transfer parameters from at least some of the motor vehicles to the one or more first risk-transfer systems, wherein at least one of the first risk-transfer systems includes a plurality of payment transfer modules configured to receive and store first payment parameters associated with risk-transfer of risk exposures of said motor vehicles for pooling of risks of the motor vehicles;

processing risk-related automotive data captured from the motor vehicles by the central, expert-system based circuit, first risk transfer parameters and correlated first payment transfer parameters being generated by the central, expert-system based circuit and transmitted to the one or more automated first risk-transfer systems, and, in the case of triggering an occurrence of one of defined risk events associated with transferred risk exposure of the motor vehicles, an occurred loss being automatically covered by the one or more first risk-transfer systems based on the first risk transfer parameters and correlated first payment transfer parameters; and

providing a second risk-transfer by an automated second risk-transfer system based on second risk-transfer parameters from the one or more of the first risk-transfer systems to the second risk-transfer system, the second risk-transfer system including second payment transfer modules configured to receive and store second payment parameters associated with risk exposures transferred to the one or more first risk-transfer systems for pooling of risks of the one or more first risk-transfer systems;

wherein

the second risk transfer parameters and correlated second payment transfer parameters are generated by the central, expert-system based circuit and transmitted to the second risk-transfer system, the occurred loss being at least partly covered by a second insurance system based on the second risk transfer parameters and correlated second payment transfer parameters, and

the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted or optimized by the central, expert-system based circuit based on the usage-based, user-based, or operational automotive data captured from the plurality of autonomous or partially autonomous motor vehicles and based on the pooled risks of the one or more first risk transfer systems.

51. A system comprising:

a first risk-transfer system configured to

provide a first risk-transfer based on first risk-transfer parameters from a plurality of motor vehicles to the first risk-transfer system, and

receive and store first payment parameters associated with risk exposures of the plurality of motor vehicles;

a second risk-transfer system configured to

provide a second risk-transfer based on second risk-transfer parameters from the first risk-transfer system to the second risk-transfer system, and

receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems; and

an expert-system based circuit configured to

receive environmental parameters and operating parameters from the plurality of motor vehicles, the operating parameters being based on sensory data of exteroceptive sensors of the plurality of motor vehicles, and the environmental parameters being based on sensory data of proprioceptive sensors of the plurality of motor vehicles,

adjust the first risk transfer parameters and correlated first payment transfer parameters, and

adjust the second risk transfer parameters and correlated second payment transfer parameters,

wherein the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adjusted by the expert-system based circuit based on the environmental parameters or operating parameters received from the plurality of motor vehicles and based on pooled risks of the first risk-transfer system.