Apparatus for a dynamic, score-based, telematics connection search engine and aggregator and corresponding method thereof

• US 11,562,435 B2
• Filed: 01/31/2017
• Issued: 01/24/2023
• Est. Priority Date: 07/25/2016
• Status: Active Grant

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Perl, Andri, Bongers, Sebastiaan, Genovese, Donato
• Primary Examiner(s): Madamba, Clifford B
• Assistant Examiner(s): Rutiser, Claire A
• Application Number:
  US15/421,010
• Publication Number:
  US 20180025430A1
• Time in Patent Office: 2,184 Days
• Field of Search: 705 4
• CPC Class Codes: B60R 16/0231 Circuits relating to the driving or the functioning of the vehicle monitoring tyres B60C23/00; indicating overspeed B60K31/00; for dash boards B60K37/00, B60Q3/10; for indicating emergencies B60Q1/52; brake control systems B60T; registering or indicating the working of vehicles G07C5/00; measuring distance G01C, e.g. combinations of speed and distance G01C23/00; engine indicators G01L; measuring speed or acceleration G01P
• CPC Class Codes: G01C 21/3697 Output of additional, non-guidance related information, e.g. low fuel level G01C21/3679 takes precedence
• CPC Class Codes: G01S 19/13 Receivers
• CPC Class Codes: G06F 16/24578 using ranking
• CPC Class Codes: G06F 16/9537 Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

Proposed is a mobile automotive car system, and method thereof, for a dynamic, telematics-based connection search engine and telematics data aggregator, wherein risk-transfer profiles are captured and categorized in a results list from a plurality of first risk-transfer systems based on dynamically generated driving score parameters by means of appropriately triggered automotive data. As a variant, during a predefined trial period, the automotive and driving behavior data can be collected, which are transmitted together with the generated driving score parameters to multiple automated first risk-transfer systems for quotation. The user is able to dynamically select the best-fitting first risk-transfer system for risk-transfer by means of the results list, which is provided and updated in real-time for display to and selection by a user of a mobile telecommunication apparatus by means of a mobile telematics application of the mobile telecommunications apparatus.

Claims

1. A mobile automotive system for real-time risk-monitoring and automated risk-transfer based on captured and measured usage-based and user-based telematics data providing an optimized automated risk-transfer operation based on an automated telematics risk-transfer chain, the system comprising:

a mobile telecommunication apparatus that includes one or more data transmission connections to a plurality of sensors including proprioceptive sensors for sensing operating parameters of a motor vehicle and exteroceptive sensors for sensing environmental parameters during operation of the motor vehicle;

a central automotive circuit that includes a vehicle telematics-driven core aggregator with telematics data-based triggers for triggering, capturing, and monitoring in a dataflow pathway of the plurality of sensors the operating parameters and the environmental parameters during operation of the motor vehicle;

a first risk-transfer system including a plurality of payment transfer modules configured to receive and store first payment parameters associated with a risk-transfer of risk exposures of motor vehicles for pooling of their risks, wherein an automated first risk-transfer system provides a first risk-transfer based on first risk transfer parameters from the motor vehicle to the first risk-transfer system;

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

wherein the first and second risk transfer parameters and the correlated first and second payment parameters are dynamically adapted by the mobile automotive system based on usage-based automotive data, user-based automotive data, and operational automotive data captured from the motor vehicle, based on the risk-transfer profile selection of the user and based on the pooled risks of the first risk transfer systems,

wherein the central automotive circuit further includes a driving scorer for generating a set of variable scoring parameters profiling at least one of a use, a style, and an environmental condition of driving during operation of the motor vehicle based on the measured and monitored operating parameters and the environmental parameters, wherein the driving scorer generates the set of variable scoring parameters, triggers and automatically selects score driving parameters based on a defined score driving behavior pattern by comparing the measured operating parameters and the environmental parameters with operating parameters and the environmental parameters of the defined score driving behavior pattern,

wherein the mobile communication apparatus establishes a data link over a mobile telecommunication network between the mobile communication apparatus and the central automotive circuit, wherein the mobile telecommunication apparatus acts as a wireless node within the mobile telecommunication network, wherein the central automotive circuit automatically collects the set of variable scoring parameters, and wherein the central automotive circuit is electronically coupled to a heads-up device and is configured to provide an alert via the heads-up device to an operator of the motor vehicle upon detection of set of performance measures including high revolutions per minute (RPM) as a measure of the frequency of a motor rotation of an engine of the motor vehicle, engine power, acceleration, and road anticipation,

wherein the set of variable scoring parameters includes a driving score, a contextual score, a vehicle safety score, a cyber risk score, a software certification/testing risk score, a National Highway Traffic Safety Administration (NHTSA) level risk score, and a usage/operation of autonomous driving aids,

wherein the central automotive circuit periodically transmits a shadow request to a plurality of automated risk-transfer supplier systems, decentrally connected to the central automotive circuit over a data transmission network, wherein the shadow request includes risk-related parameters based on the set of variable scoring parameters, wherein a plurality of individualized risk-transfer profiles are provided by the automated risk-transfer supplier systems varying time-dependently based on the generated set of variable scoring parameters measuring the time-dependent use, style, and environmental condition of driving during operation of the motor vehicle, and wherein in response to the emitted shadow request, the central automotive circuit receives the plurality of individualized risk-transfer profiles based on the set of variable scoring parameters, and

wherein the central automotive circuit dynamically captures and categorizes the received plurality of individualized risk-transfer profiles of the automated risk-transfer supplier systems in a result list, wherein the shadow requests are periodically transmitted to the plurality of automated risk-transfer supplier systems at least based on a dynamically-generated set of variable scoring parameters, wherein the results list is dynamically updated in real-time and provided for display and selection to a user of the mobile telecommunication apparatus based on the operating parameters and the environmental parameters, and wherein the mobile automotive system automatically adapts a risk-transfer of a user or alerts the user if a more preferable risk-transfer profile is triggered in relation to a selected risk-transfer profile, and

wherein the risk-transfer profiles are captured and categorized in the result list by the mobile automotive system, wherein the shadow requests are generated and transmitted to the plurality of automated risk-transfer supplier systems based on the set of variable scoring parameters, the operating parameters, and the environmental parameters, when a mobile telematics application triggers an alternation of any one of the set of variable scoring parameters, the operating parameters, and the environmental parameters, and wherein the result list is dynamically adapted in real-time and displayed to the user for selection.

2. The mobile automotive system according to claim 1, wherein the driving score is based at least on a measure of driver behavior parameters including at least one of speed, acceleration, braking, cornering, jerking, a measure of distraction parameters including mobile phone usage while driving, a measure of fatigue parameters, and drug use parameters.

3. The mobile automotive system according to claim 1, wherein the contextual score is based at least on measured trip score parameters that are based at least on one of a road type, a number of intersections, a number of tunnels, elevation, measured time of travel parameters, measured weather parameters, measured location parameters, and measured distance driven parameters.

4. The mobile automotive system according to claim 1, wherein the vehicle safety score is based at least on one of measured Advanced Driver Assistance System (ADAS) feature activation parameters, measured vehicle crash test rating parameters, measured level of automation parameters of the motor vehicle, and measured software risk scores parameters.

5. The mobile automotive system according to claim 1, wherein the automated first risk-transfer supplier systems include the automated first risk-transfer system that provides the first risk-transfer based on the first risk transfer parameters from the motor vehicle to the first risk-transfer system.

6. The mobile automotive system according to claim 5, wherein the transmitted shadow request with risk-related automotive data is processed by the automated risk-transfer supplier systems, wherein first risk transfer parameters and correlated first payment transfer parameters are generated by the automated risk-transfer supplier systems, and wherein, if the occurrence of one of a defined risk events associated with transferred risk exposure of the motor vehicles is triggered, an occurred loss is automatically covered by the corresponding automated risk-transfer supplier system or the automated first risk-transfer system based on the first risk transfer parameters and correlated first payment transfer parameters.

7. The mobile automotive system according to claim 1, wherein the risk-related parameters of the shadow request include at least one of usage-based automotive data, user-based automotive data, and operating automotive data generated by a mobile telematics application of the mobile telecommunications apparatus based on the operating parameters or the environmental parameters, and the set of variable scoring parameters.

8. The mobile automotive system according to claim 1, wherein the mobile telecommunications apparatus is configured to communicate via at least one of Bluetooth as wireless connection for exchanging data using short-wavelength Ultra High Frequency (UHF) radio waves in the Industrial, Scientific, and Medical (ISM) radio band from 2.4 GHz to 2.485 GHz by building personal area networks (PAN) with on-board Bluetooth capabilities, 3G, 4G, GPS, Bluetooth Low Energy (LE), Wi-Fi 802.11, a contactless or contact smart card, a Secure Digital (SD) memory card, and an interchangeable non-volatile memory card.

9. The mobile automotive system according to claim 1, wherein the mobile telecommunication apparatus includes at least one of the proprioceptive sensors and the exteroceptive sensors.

10. The mobile automotive system according to claim 9, wherein the mobile telecommunication apparatus includes at least one of a GPS module, a geological compass module based on a 3-axis teslameter and a 3-axis accelerometer, a gyrosensor, a pyrometer, Micro-Electro-Mechanical Systems (MEMS) accelerometer sensor including a cantilever beam with the seismic mass as a proof mass measuring proper acceleration or g-force acceleration, a MEMS magnetometer, a magnetoresistive permalloy sensor, and a three-axis magnetometer.

11. The mobile automotive system according to claim 10, wherein the mobile telecommunications apparatus includes an integrated circuit having three-axis MEMS-based gyroscopes or a MEMS-based inertial measurement device that is configured to sense nine axes.

12. The mobile automotive system according to claim 1, wherein the exteroceptive sensors are configured to sense at least one of a distance to objects, an intensity of ambient light, and sound amplitude.

13. The mobile automotive system according to claim 1, wherein the proprioceptive sensors are configured to sense at least one of a motor speed, a wheel load, a heading, and a battery status of the motor vehicle.

14. The mobile automotive system according to claim 1, wherein the risk-transfer profiles are captured and categorized in the result list by the mobile automotive system, wherein the shadow requests are periodically transmitted to the plurality of automated risk-transfer supplier systems further based on at least one of the set of variable scoring parameters, the operating parameters, the environmental parameters, and wherein the result list is dynamically adapted in real-time and displayed to the user for selection.

15. The mobile automotive system according to claim 1, wherein the mobile automotive system automatically alerts the user if a more preferable risk-transfer profile is triggered in relation to a selected risk-transfer profile.

16. The mobile automotive system according to claim 1, wherein the result list is dynamically adapted in real-time and displayed to the user for selection based on definable categorization criteria including at least one of first payment parameters, duration structure, and risk-transfer structure.

17. The mobile automotive system according to claim 1, wherein the second risk transfer parameters and the correlated second payment transfer parameters are generated by an expert-system based circuit of the second risk-transfer system, wherein an occurred loss is at least partly covered by a second insurance system based on the second risk transfer parameters and correlated second payment transfer parameters.

18. The mobile automotive system according to claim 1, wherein transmitted automotive data includes at least simultaneous measured, time-dependent contextual and/or environmental data of the motor vehicle including at least measured weather condition parameters and/or location coordinate parameters.

19. The mobile automotive system according to claim 1, wherein the exteroceptive sensors include at least one of radar devices for monitoring surroundings of the motor vehicle, Light Imaging, Detection, And Ranging (LIDAR) devices for monitoring the surroundings of the motor vehicle, global positioning systems, 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, computer vision devices or video cameras for monitoring the surrounding of the motor vehicle, and ultrasonic sensors for measuring the position of objects close to the motor vehicle.

20. The mobile automotive system according to claim 1, wherein the mobile automotive system includes an aggregator for providing the risk exposure for one or a plurality of pooled risk-exposed motor vehicles based on the captured risk-related automotive data, wherein the first and/or second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically generated based on the likelihood of occurrence of risk events of the pooled driving motor vehicles.

21. The mobile automotive system according to claim 20, wherein the aggregator automatically aggregates occurred and triggered losses using captured loss parameters of 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 over all risk exposed motor vehicles within a time period by incrementing an associated stored, aggregated payment parameter, and wherein the variable first and/or second risk transfer parameters and the correlated first and/or second payment transfer parameters dynamically are generated based upon the ratio of the aggregated loss parameter and the aggregated payment parameter.

22. The mobile automotive 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 by a plurality of payment transfer modules 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 by second payment transfer modules configured to receive and store the second payment parameters from the first risk-transfer system to adopt a portion of the risk exposures accumulated by the first risk-transfer system, and wherein, in case of an occurrence of one of defined risk events, the occurred loss is automatically covered by the automotive car system.

23. The mobile automotive system according to claim 1, wherein the mobile telecommunications apparatus includes additional triggers triggering accident notification and/or other added services based on the captured automotive data associated with the motor vehicles.

24. The mobile automotive system according to claim 1, wherein the mobile telecommunications apparatus provides one or more wireless connections by radio data system (RDS), a positioning system including a satellite receiving module, a mobile telephone interface including a digital radio service module, a language unit in communication with one of the RDS, the positioning system, and the cellular telephone interface.

25. The mobile automotive system according to claim 1, wherein the mobile telecommunication apparatus includes an interface for connecting with at least one of a data transmission bus of the motor vehicle and Controller Area Network (CAN) bus of the motor vehicle.

26. The mobile automotive system according to claim 1, wherein the mobile telecommunication apparatus includes memory for saving processor-driving operation code and flash memory for reading and capturing of the automotive data.

27. The mobile automotive system according to claim 1, wherein the mobile telecommunications apparatus is connected to an on-board diagnostic (OBD) system that monitors systems and/or subsystems of the motor vehicle.

28. The mobile automotive system according to claim 27, wherein the mobile telecommunications apparatus, connected to the OBD system of the motor vehicle, is connected by plugging in a data transmission wire into a port of the OBD system.

29. The mobile automotive system according to claim 1, wherein the mobile telecommunication apparatus is connected to an in-car interactive device, wherein a speed and travel distances of the motor vehicle are monitored by a global positioning system (GPS) circuit and wherein the automotive data is transmitted via the mobile telecommunication apparatus to the central automotive circuit by a cellular telecommunication connection.