Computer-implemented methods, computing devices, and systems

Abstract

This provides a method for enabling risk probability assessment of freight transport operations. [Solution] The method receives predetermined contract parameters associated with multiple logistics data providers, dynamically enriches the input data by aggregating current data, forecast data and prediction data, calculates the respective risk probability value associated with each eligible provider among the multiple providers, generates the respective dynamic data model associated with each eligible provider among the multiple providers, dynamically determines a real-time predetermined contract risk threshold for identified data recording, automatically modifies the real-time predetermined contract risk threshold associated with at least one eligible provider among the multiple providers, and dynamically selects the respective data points for each eligible provider among the multiple providers.

Description

[Technical Field]

[0001] This disclosure generally refers to computerized systems for analyzing data related to freight transport. For more details regarding the system and methods, please refer to the determination of the risk probability associated with the transportation of goods. Computerized system and method for determining alternative actions to reduce stress Regarding. [Background technology]

[0002] Risk assessment identifies the risks and / or risk factors that could cause harm. It is used for, for example, risk assessment associated with the transportation of goods included in freight transport. Historically, this has been based on events that occurred in the previous year in relation to specific freight transport, and half of all transport. Currently, fewer than a certain number of shipments are uninsured. In other words, in relation to the cargo included in the freight transport. The risk assessment associated with any loss that occurred is specific to the transportation and delivery of the cargo. This is due to circumstances that resulted in a loss of value for the freight transport. Similarly, the cargo included in the freight transport Risk assessments associated with any delays related to goods include the transportation and delivery of goods. This is due to circumstances during transit that caused the delay in the delivery of that particular shipment. Generally, it is related to the shipment of goods. The assigned risk assessment depends solely on the value of the cargo included in the freight transport and does not affect the freight transport itself. Other factors that may have an effect are not considered. For example, these other factors are real Information regarding cargo from Im's perspective, and similar information regarding the transportation of such cargo from a historical perspective. This may include information detailing other freight transports, including the characteristics described above.

[0003] For example, using the risk assessment associated with the transportation of goods included in freight transport, It is possible to determine the insurance premiums associated with freight transport. For example, freight insurance is typically These are offered and purchased on an annual basis. Typically, these types of annual insurance providers... In providing the insurance, the premiums paid to the insurance provider are for the previous year (for example, year 1, year 2, It is based on losses over 5, 10 years, etc. For example, an insurance provider may use the losses from the previous year. This is used to determine the insurance premium for the current year. In most cases, this premium is the same as the previous year's premium, and the price is... It will be slightly adjusted. For example, current premiums will be adjusted based on the insurance provider's revenue forecast for the following year. It is based on division. For example, logistics and delivery providers (e.g., the United States Postal Service (USPS), UP) S (registered trademark), Fedex (registered trademark), Flexport (registered trademark), DHS (registered trademark) In the case of registered trademarks, carriers, etc., the current year provides cargo insurance coverage for goods delivered in the current year. Insurance premiums are based on the carrier's revenue and the value of the insured goods and their annual contract. This is not the case. For example, in many cases, cargo insurance coverage is provided for goods delivered in the current year. The insurance premium for the current year will be paid in 10 installments. [Overview of the project]

[0004] In some embodiments, the disclosure describes exemplary technically improved computer bases A method is given. This method includes at least the following steps: namely, at least Both input interfaces are used for identifying and recording data by logistics data providers. The steps include receiving input data for and at least one processor performing multiple pre From the database generated, at least one of the multiple providers Steps include receiving multiple predetermined contract parameters associated with the data, and At the very least, one processor handles the input data and the multiple data records associated with the identified data. Based on a comparison with a number of predetermined contract parameters, among several providers A step to identify at least one eligible provider and at least one processor However, each of the risks associated with each eligible provider among the multiple providers The probability value is calculated based on the input data and several predetermined contract parameters. Steps and at least one processor, one of several eligible providers Each dynamic data model associated with each of the data is, with the input data and each A step of generating based on the determined risk probability value, and at least one process Ssa sets predetermined contract risk thresholds for identified data records, and multiple Each of the dynamic data models associated with each eligible provider among the providers and a step of dynamically determining using the respective determined risk probability values, and at least Another processor is at least one of the multiple providers that is an eligible provider The real-time, pre-determined contract risk threshold associated with each model A step to automatically correct based on the Dell risk probability value, and at least one processor However, each data point for each eligible provider among multiple providers Based on the respective model risk probability values ​​and modified contract risk thresholds, This includes steps to dynamically select data in real time for recording.

[0005] In some embodiments, the disclosure describes exemplary technically improved computer bases - Gives a system. This system includes at least the following components. Namely, It includes at least one processor configured to execute software instructions. These software instructions cause the at least one processor to receive input data for a specified data record including items transported by a logistics data provider. The step of receiving input data for a specified data record including items transported by a logistics data provider, and the step where at least one processor determines a plurality of product types associated with each specified data record based on the input data. The step of receiving input data for a specified data record including items transported by a logistics data provider, and the step where at least one processor determines a plurality of product types associated with each specified data record based on the input data. ータ記録ベースに関連付けられた複数の商品タイプを、入力データに基づいて決定するス テップと、少なくとも一つのプロセッサが、デジタルプラットフォームによりアクセス可 能な複数の事前に生成されたデータベースから、複数のプロバイダーのうちの少なくとも 一つのプロバイダーに関連付けられた複数の事前に決定された契約パラメータを受信する[[ID=]17] ステップと、少なくとも一つのプロセッサが、複数のプロバイダーのうちの少なくとも一 つの適格プロバイダーを、入力データと、特定されたデータ記録に関連付けられた複数の 事前に決定された契約パラメータとの比較に基づいて特定するステップと、少なくとも一 つのプロセッサが、複数のプロバイダーのうちの各適格プロバイダーに関連付けられたそ れぞれのリスク確率値を、入力データと複数の事前に決定された契約パラメータとの比較 に基づいて計算するステップと、少なくとも一つのプロセッサが、複数のプロバイダーの うちの各適格プロバイダーに関連付けられたそれぞれの動的データモデルを、入力データ とそれぞれの決定されたリスク確率値とに基づいて生成するステップと、少なくとも一つ のプロセッサが、特定されたデータ記録のためのリアルタイムの事前に決定された契約リ スクしきい値を、複数のプロバイダーのうちの各適格プロバイダーに関連付けられたそれ It should be noted that there seem to be some unclear or incorrect expressions in the original text (such as "ータ記録ベース" which might be a typo), but the translation is done based on the provided rules and the text as it is. Dynamically determining using each of the dynamic data models and their respective determined risk probability values a step, and at least one processor receiving subsequent data associated with a specified data record, or historical data from a plurality of pre-generated databases a step, and using at least one processor to generate, for each of one or more eligible insurance providers, their respective model risk probability values based on real-time transport data or transport history data a step, and at least one processor automatically modifying, for each of at least one eligible provider among a plurality of providers, a pre-determined contract risk threshold associated with the at least one eligible provider based on each of the model risk probability values a step, and at least one processor dynamically selecting, for each data point for each eligible provider among a plurality of providers, based on each of the model risk probability values and a real-time modified contract risk threshold for a specified data record a step, and causing at least one processor to perform the steps. <0000!04>

[0006] BRIEF DESCRIPTION OF THE DRAWINGS Various embodiments of the present disclosure are further described with reference to the accompanying drawings. Here, the same structure

[0007] is referred to by the same numerals throughout several of the figures. The drawings shown are not necessarily to scale and instead generally focus on illustrating the principles of the present disclosure. Accordingly, the specific structural and functional details disclosed herein should not be construed as limiting<￥000122>but rather should be construed merely as a representative basis for teaching one of ordinary skill in the art to use one or more exemplary embodiments in various ways.

[0008] [Figure 1]

[0007] A good understanding of one or more embodiments of the present invention is necessary to understand the following detailed description of preferred embodiments. This can be obtained by considering it in conjunction with the following drawings.

[0008] [Figure 1] This disclosure provides an exemplary computer-based system architecture for implementing one or more methods according to the embodiments of this disclosure. [Figure 2] An exemplary data processing system is shown. This operates in a network computing device and / or server that provides a cloud infrastructure to support an implementation of a PSCI platform running a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 3A-3B] This is a block diagram representing an exemplary sensor used in accordance with one or more embodiments of the present disclosure. [Figure 4A] A schematic block diagram of an exemplary PSCI software platform according to one or more embodiments of this disclosure is shown. [Figure 4B] A flowchart of the operation steps of a PSCI platform that runs a PSCI software platform according to one or more embodiments of this disclosure is drawn. [Figure 4C] A flowchart of the operation steps of a PSCI platform that runs a PSCI software platform according to one or more embodiments of this disclosure is drawn. [Figure 4D] This disclosure shows schematic diagrams of exemplary supervised and unsupervised machine learning used by a PSCI platform that runs a PSCI software platform according to one or more embodiments of this disclosure. [Figure 4E] This document shows exemplary sample layers of an artificial neural network used by a PSCI platform that runs a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 4F]These are flowcharts illustrating the respective methods for training artificial intelligence devices included in the simulation-based learning PSCI platform and for using those trained artificial intelligence devices. [Figure 4G] These are flowcharts illustrating the respective methods for training artificial intelligence devices included in the simulation-based learning PSCI platform and for using those trained artificial intelligence devices. [Figure 4H] These are flowcharts illustrating the respective methods for training artificial intelligence devices included in the simulation-based learning PSCI platform and for using those trained artificial intelligence devices. [Figure 5A] This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5B] This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5C] This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5D] This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5E] This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5F]This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5G] This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5H] This disclosure provides a list of insurer / underwriter product types and insurer / underwriter transport types that are utilized by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 5I-5J] This disclosure shows exemplary pre-underwriter PSCI insurance bracket values ​​and commodity price adjustment factor values ​​used by a PSCI platform running a PSCI software platform according to one or more embodiments of this disclosure. [Figure 6A] This is a graphical representation of an exemplary menu architecture for a PSCI platform that runs a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 6B] This is a graphical representation of an exemplary menu architecture for a PSCI platform that runs a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 6C] This is a graphical representation of an exemplary menu architecture for a PSCI platform that runs a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 6D] This is a graphical representation of an exemplary menu architecture for a PSCI platform that runs a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 6E]This is a graphical representation of an exemplary menu architecture for a PSCI platform that runs a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 6F] This is a graphical representation of an exemplary menu architecture for a PSCI platform that runs a PSCI software platform according to one or more embodiments of the present disclosure. [Figure 7A-1] This is a graphic representation of exemplary embodiments of user information collected in response to one or more user requests transmitted to a PSCI platform running one or more embodiments of the PSCI software platform of this disclosure. [Figure 7A-2] This is a graphic representation of exemplary embodiments of user information collected in response to one or more user requests transmitted to a PSCI platform running one or more embodiments of the PSCI software platform of this disclosure. [Figure 7B] This is a graphic representation of exemplary embodiments of user information collected in response to one or more user requests transmitted to a PSCI platform running one or more embodiments of the PSCI software platform of this disclosure. [Figure 7C] This is a graphic representation of exemplary embodiments of user information collected in response to one or more user requests transmitted to a PSCI platform running one or more embodiments of the PSCI software platform of this disclosure. [Figure 7D] This is a graphic representation of exemplary embodiments of user information collected in response to one or more user requests transmitted to a PSCI platform running one or more embodiments of the PSCI software platform of this disclosure. [Figure 7E] This is a graphic representation of exemplary embodiments of user information collected in response to one or more user requests transmitted to a PSCI platform running one or more embodiments of the PSCI software platform of this disclosure. [Figure 7F]This is a graphic representation of exemplary embodiments of user information collected in response to one or more user requests transmitted to a PSCI platform running one or more embodiments of the PSCI software platform of this disclosure. [Figure 8] In exemplary embodiments of a PSCI system according to one or more embodiments of this disclosure, a PSCI system bidirectional data and logic flow diagram is shown illustrating exemplary embodiments of functions performed by a PSCI platform that runs a PSCI software platform. [Figure 9] This flowchart shows an operation step for automatically modifying, in real time, a predetermined contract risk threshold based on the respective model risk probability values, according to one or more embodiments of this disclosure. [Modes for carrying out the invention]

[0009] Various detailed embodiments of this disclosure are disclosed herein along with the accompanying drawings. However, Please understand that the embodiments disclosed are merely illustrative. In addition, the present disclosure Each example given in relation to various embodiments is intended to be illustrative and not limiting. do not have.

[0010] Throughout this specification, the following terms are used unless the context clearly indicates otherwise. It has an explicitly associated meaning. In this embodiment, The phrases "in the above embodiments" and "in some embodiments" are possible. Even if there are instances, they do not necessarily refer to the same embodiment. Furthermore, the " In other embodiments, in one or more other embodiments, and in several other embodiments The phrase "in form" does not necessarily refer to different embodiments, even if possible. There is no such thing. In other words, as described below, without departing from the scope or gist of this disclosure, Various embodiments can be easily combined.

[0011] Furthermore, the term "based on" is not exclusive, and the context clearly indicates something else. Unless otherwise stated, it is permissible to base it on additional factors not mentioned. In addition, the entire Specified Through the body, the meanings of "one," "one of," "that," and "the relevant" include plural references. The meaning of "~ni (oite)" includes "inside," "on top of," and "in contact with." nothing.

[0012] As described herein, one or more aspects and / or functions included in one or more embodiments It can be executed dynamically and / or in real time.

[0013] As used here, the term “dynamic” means that an event and / or action is not influenced by any human intervention. This means that it is triggered and / or occurs without any input. In some embodiments, this The events and / or actions relating to the invention may exist in real time and / or for nanoseconds, a few seconds. Nanoseconds, milliseconds, a few milliseconds, seconds, a few seconds, minutes, a few minutes, every hour, a few hours, every day, a few days, every week, every It may be based on at least one predetermined periodicity, such as monthly or annually.

[0014] As used in accordance with the embodiments described above, the phrase "real-time" means, for example, display An object on a ray, for example, has a gap between the object's movement and the display's movement. The system operates smoothly with sufficiently high data speeds and tens of thousands of Intended to be acquired, processed, received, transmitted and / or displayed within minutes with low latency, or related In relation to data acquisition, the reception of the relevant data is performed with a sufficiently high data rate and sufficiently low latency. What should be done, or the use of the relevant data in relation to the receipt of the relevant data It is intended to be performed with sufficiently high data rates and sufficiently low latency. For example. "Real-time processing," "real-time computation," and "real-time execution" are all related to Related physical processes (for example, a user interacting with an application on a mobile device) This relates to the execution of calculations during the actual time in which the process takes place, and the results of the calculations guide the physical process. It can be used in [location].

[0015] As used in this application, the terms "component" and "system" refer to hardware, hardware, hardware Any combination of wear and software, software, or running software This is intended to refer to any computer-based entity. For example, comp A "net" is a process, processor, object, or executable file that runs on a processor. This may be, but is not limited to, an execution thread, a program, and / or a computer. i. As an example, both the application running on the server and the server itself are components. It may be considered a [specific condition]. If one or more components exist within the execution process or thread... Often, one component is localized for one computer and / or two or more computers. It may be distributed among the computers.

[0016] Embodiments of the subject matter described herein include, for example, a backend server as a data server. A computing system including components, or, for example, an application server. A computing system including middleware components as, or, Fron End components, for example, users interact with one implementation example of the subject described herein. It has a graphical user interface or web browser that can be used. Client computers, or one or more such backends, middleware, Alternatively, a computer system including any combination of front-end components It can be implemented in the system. In one or more embodiments, the components of the system are, for example, Interconnected by any form or medium of digital data communication, such as a communication network. Yes, that's fine. Examples of communication networks include local area networks ("LANs") and Wi-Fi networks. Wide Area Network ("WAN"), Internet Network (e.g., the Internet) , and including peer-to-peer networks (e.g., ad-hoc peer-to-peer networks) For example, a specially programmed computer with an associated device The system uses one or more suitable data communication networks (e.g., the internet, satellite, etc.). They communicate with each other via ( ) and utilize one or more appropriate data communication protocols / modes. It may be configured to operate in a distributed network environment. For example, a person skilled in the art will understand that As such, many packet protocols exist. Some of the well-known packet protocols It is not limited to IPX / SPX, X.25, AX.25, AppleTalk (Registered Trademark). Includes standard protocols, TCP / IP (e.g., HTTP), SNA, etc. Other appropriate data communication protocols Cor / mode includes Near Field Communication (NFC), RFID, Narrowband IoT (NBIOT), 3G, 4G, 5G, GSM (registered trademark), GPRS, WiFi (registered trademark), WiMax (Registered Trademark), CDMA, Satellite, ZigBee (Registered Trademark), and other appropriate communication modes This includes. In one or more embodiments, NFC can represent near-field communication technology. In this technology, NFC-enabled devices "swipe" close together to facilitate communication. It is moved by "bumping," "tapping," or other means.

[0017] The operations described herein are recorded on one or more computer-readable storage devices. A data processing device can handle stored data or data received from other sources. It can be implemented as an operation to be executed. The term "data processing system" refers to a system that processes data. This encompasses all kinds of apparatus, devices, and machines for processing, such as programmed A processor, computer, server, system on a chip, or multiple of the above , or a combination thereof. The device may include, for example, an FPGA (Field Programmable Graph Protocol). Special purpose logic such as a gate array or ASIC (Application-Specific Integrated Circuit) The device may include circuitry. In addition to hardware, the device may also include the computer program in question. Code that provides the execution environment for a program, such as processor firmware, protocol Stacks, database management systems, operating systems, cross-platform Code that constitutes a runtime environment, a virtual machine, or one or more combinations thereof. It may include the following: The device and execution environment may include web services, distributed computing and G Various different computing infrastructures such as hard computing This could enable the realization of a model infrastructure.

[0018] Embodiments of this disclosure include hardware, firmware, software, or any of these. It can be implemented in combination of intentions. Embodiments of this disclosure are applied by machine-readable media. It can also be implemented as a command, which is read and executed by one or more processors. It is possible. Machine-readable media can be read by machines (e.g., computing devices). It may include any mechanism for storing or transmitting information in any possible format. For example, a machine-readable medium may include Random access memory (RAM), central processing unit (CPU), or hardware or One or more processing resources such as software-controlled logic, ROM, magnetic disk storage medium, Optical storage media, flash memory devices, electrical, optical, acoustic or other forms of propagation This may include signals (e.g., carrier waves, infrared signals, digital signals, etc.) and others.

[0019] As used here, the terms "computer engine" and "engine" are less Both are software components and / or other software and / or hardware At least one designed / programmed / configured to manage / control the air components A set of one software component and at least one hardware component Identify the incompatibility (libraries, software development kits (SDKs), objects, etc.) The term "engine" refers to a standalone component or a group of lower-level components. This demonstrates the functional operations that can be realized as an integrated configuration of the system. So, an engine can, for example, function as a single module, or as multiple modules working together. It can be implemented as a module. Furthermore, the engine is a software life in memory. Implemented as a law, or hardware (e.g., electronic circuits), firmware, software A, or any combination thereof, can be implemented individually. The engine includes instructions that control the processor in order to perform the functions described herein. nothing.

[0020] Examples of hardware elements used in one or more embodiments include a processor, micro Processors, circuits, circuit elements (e.g., transistors, resistors, capacitors, inductors, etc.) ), integrated circuits, application-specific integrated circuits (ASICs), programmable logic devices (PL D), Digital Signal Processor (DSP), Field Programmable Gate Array (F PGA, logic gates, registers, semiconductor devices, chips, microchips, chipsets This may include things like nets.

[0021] The term "terminal" used here refers to mobile station (MS), user equipment (UE), and user terminal. (UT), wireless terminal, access terminal (AT), terminal, subscriber unit, subscriber station Server (SS), wireless device, wireless communication device, wireless transceiver unit (WTRU) ), may be referred to as mobile node, mobile body, or other terms.

[0022] Various embodiments of the terminal include cellular phones, smartphones with wireless communication capabilities, and Personal digital assistants (PDAs) with linear communication capabilities, servers, wireless modems, and devices with wireless communication capabilities. Portable computers, photographic devices such as digital cameras with wireless communication capabilities, wireless Game devices with communication capabilities, and home appliances with wireless communication capabilities for storing and playing music. , Internet-connected home appliances that can access and browse the internet wirelessly, and This may include a portable unit or terminal that integrates these functions. Furthermore, the terminal may be machine-to-machine (M This may include, but is not limited to, 2M terminals and mechanical communication (MTC) terminals / devices. In this disclosure, the term "terminal" may also be referred to as an "electronic device."

[0023] Computer program (program, software, software program, software) A software application (also known as a script or code) is compiled Any form of programming language, including language or interpretive language, declarative language or procedural language It can be written as a standalone program, or as a module, component. Another user suitable for use in a computing environment, subroutine, object, or other application. As a knit, it can be deployed in any format. The computer program is It can correspond to a single file in the file system, but it's not necessary. A program is a part of a file that holds other programs or data (for example, markup). (One or more scripts stored in the language document) The program in question A single file or multiple collaborative files (e.g., one or more modules, subprograms) for use with a single file or multiple collaborative files. It can be stored in a file (or a file containing multiple parts of the code). The M is located on one computer, or on one site, or on multiple sites. In multiple computers distributed and interconnected by a communication network, execution It can be deployed in that manner.

[0024] The processes and logical flows described herein manipulate input data to generate output. One computer program executes one or more computer programs to perform an action by doing so. This can be done by the above programmable processors. Processes and logical flows are, for example, FPGA (Field Programmable Gate Array) or ASIC (Application-Specific Integrated Circuit) This is done by special-purpose logic circuits such as (F) circuits, and the device can also be, for example, FPGA (F) Field-programmable gate arrays (field-programmable gate arrays) or ASICs (application-specific integrated circuits) It can be implemented as a logic circuit for a special purpose.

[0025] Processors suitable for executing computer programs include, for example, both general-purpose and specialized processors. Microprocessors of any type, and any one or more processors of any type of digital computer Includes a processor. In one or more embodiments, one or more processors include a multiple instruction set composite. Computer-in-Computer (CISC) or Reduced Instruction Set Computer (RISC) processor, x8 6-instruction-set compatible processor, multi-core processor, or other microprocessor It may be implemented as a central processing unit (CPU). In various implementation examples, one or more The processor may be a dual-core processor, a dual-core mobile processor, etc. Generally, a processor uses read-only memory or random access memory, or It receives instructions and data from both. The essential elements of a computer are that it follows instructions. A processor that performs actions, and one or more memory devices that store instructions and data. Generally, computers also have one or more large-capacity storage devices for storing data, for example This includes magnetic disks, magneto-optical disks, or optical disks, or one or more high-capacity disks thereof. Capable of receiving data from or transferring data from multiple devices, or both. It is combined with [something]. However, a computer does not need to have such a device. Computers are also used in other devices, to name just a few examples, such as mobile phones and mobile information Information terminals (PDAs), portable audio or video players, game consoles, all-around GPS receiver or portable storage device (e.g., Universal Serial Bus) It may be embedded in a (USB) flash drive.

[0026] Devices suitable for storing computer program instructions and data are available in all forms. This includes non-volatile memory, media, and memory devices, such as EPROM, E Semiconductor memory devices such as EPROM and flash memory devices, and, for example, built-in Magnetic disks such as magnetic disks or removable disks, magneto-optical disks, and C Includes D-ROM and DVD-ROM discs. The processor and memory are for special purposes. It may be supplemented by or incorporated into the logic circuit.

[0027] Various embodiments include software components, hardware components, or It can be implemented using a combination of both. An example of software is software con component, program, application, computer program, application Program, system program, machine program, operating system software Software, middleware, firmware, software modules, routines, sub Procedure, function, method, software interface, application Programming interface (API), instruction set, computing code, code Computer code, code segment, computer code segment, word, value, symbol , or any combination thereof. One embodiment may include hardware elements and / or The decision of whether or not to implement it using software elements depends on the desired computing speed and power level. Thermal resistance, processing cycle budget, input data rate, output data rate, memory resources, data It varies depending on any number of factors such as Tabas speed and other design or performance constraints. obtain.

[0028] At least one aspect of one embodiment represents a mechanically generated logic within the processor. It can be implemented by representative instructions stored in a reading medium, and this medium can be used by a machine When read, the machine creates the logic to perform the techniques described here. "IP Core" Such expressions, known as [name of expression], are stored in a machine-readable medium of a tangible object and are used by various customers or manufacturers. It can be supplied to a manufacturing facility and loaded into manufacturing machines that produce logic or processors. In one or more embodiments, an exemplary specially programmed browser application The format is a standardized generalized markup language like Hypertext Markup Language (HTML). SMGL (Single-Multiple Language), Wireless Application Protocol (WAP), Wireless Handheld device markup languages ​​(HDML) like WML ), including but not limited to WMLScript, XML, JavaScript, etc. Using virtually any web-based language, you can create graphics, text, and multimedia. The user device may be configured to receive and display the following. In one or more embodiments, the user device This is for Java, .NET, QT, C, C++, and / or other suitable programming languages. It can be specially programmed by any of the following. Notably, the various methods described here Such embodiments, of course, can be any suitable hardware and / or computing software Software languages ​​(e.g., C++, Objective-C, Swift, Java, Ja You may implement it using vaScript, Python, Perl, Qt, etc.

[0029] In one or more embodiments, one of the exemplary original computer-based systems of the present disclosure The above requires at least one personal computer (PC) or laptop computer. Ultra laptop computers, tablets, touchpads, portable computers Data, handheld computers, palmtop computers, personal digital assistants Stands (PDAs), cellular phones, cellular phone / PDA combinations, televisions, Smart devices (e.g., smartphones, smart tablets, or smart TVs), Wearable devices, mobile internet devices (MIDs), messaging devices It may be partially or completely incorporated into a device, data communication device, etc.

[0030] To provide user interaction, the embodiments of the subject matter described herein are provided to the user. Display devices that display information, such as CRT (cathode ray tube) or LCD (liquid crystal display). ) Monitor, and keyboard and pointing device that the user can use to input to the computer. It can be implemented in a computer having a device, such as a mouse or trackball. Interaction with the user may be provided using various types of devices. For example, the user may be given The feedback provided may include, for example, visual feedback, auditory feedback, or tactile feedback. The input from the user can be any form of sensory feedback, such as backing up. It may be received in any form, including acoustic, voice, or haptic input. In addition, the computer By sending and receiving documents between the user's device and the device the user uses, the system can communicate with the user. It can interact. For example, it can respond to requests received from a web browser, and the user This is done by sending a web page to a web browser on the client device.

[0031] In one or more embodiments, the computing system includes a client and a server. This may include: The client and server are generally remote from each other and typically communicate remotely. They interact via the network. The relationship between the client and the server is based on each computer. Computer programs that run on a computer, where the two parties are clients and servers. It is caused by a related computer program. In some embodiments, The client sends data (e.g., an HTML page) to the client device (e.g., a client Display data to the user interacting with the device and receive input from that user. (For the purpose of receiving). Generated on the client device (e.g., as a result of user interaction). The data can be received by the server from the client device. The term "server" refers to a service point that provides processing, database, and communication equipment. It should be understood as meaning this. As an example, not limited to, the term "server" is related to... This refers to a single physical processor having communication, data storage, and database equipment, and This involves networking or clustering of processors and associated networks and storage devices. The complex, as well as the operating system that the server supports. This may also refer to one or more database systems and application software. Loud servers are an example of this.

[0032] In one or more embodiments, as detailed herein, exemplary original compilations of the present disclosure One or more computer-based systems can access files, contacts, tasks, emails, tweets, It can be any appropriate format, such as a map or an entire application (e.g., a calculator). Any digital object and / or data unit, not limited to these (e.g., specific) Acquire, manipulate, transfer, store, convert, generate and (from within and / or outside the application) / or output may be provided. Examples of the present disclosure as detailed herein in one or more embodiments. One or more exemplary original computer-based systems include, for example, (1) Amiga (registered Trademark)OS, AmigaOS4, (2)FreeBSD, NetBSD, OpenBSD (3) Linux (registered trademark), (4) Microsoft (registered trademark) Window s (registered trademark), (5) OpenVMS, (6) OS X (Mac OS), (7) OS / 2, (8) Solaris, (9) Tru64 UNIX®, (10) VM (11) Android (registered trademark), (12) Bada (registered trademark), (13) Bl ackBerry(registered trademark)OS, (14)Firefox(registered trademark)OS, (15 )iOS, (16) Embedded Linux, (17) Palm OS, (18) Symbian®, (19) Tizen®, (20) WebOS, (21) Windows Mobile, (22) Windows Phone, (23) ) Adobe® AIR, (24) Adobe Flash, (25) Adobe e Shockwave (registered trademark), (26) Binary Runtime Env Ironment for Wireless (BREW), (27) Cocoa (Registration (Trademark) (API), (28) Cocoa Touch, (29) Java (Registered Trademark) Platform, (30) JavaFX, (31) JavaFX Mobile, (32 )Microsoft XNA, (33)Mono, (34)Mozilla (registered trademark) )Prism, XUL and XULRunner, (35)NET Framework, (36) Silverlight (registered trademark), (37) Open Web Platform (38) Oracle (registered trademark) Database, (39) Qt, (40) SAP (registered trademark), NetWeaver (registered trademark), (41) Smartface (registered trademark) (42)Vexi (registered trademark), and (43)Windows Runti It's like ME, but it's not limited to those; it's one of many computer platforms. It can be implemented across the board.

[0033] In one or more embodiments, an exemplary original computer-based system and / or exemplary original computer-based devices exhibit features consistent with the principles of this disclosure. To be used in place of or in combination with software instructions, It may be configured to utilize a wired circuit that is consistent with the principles of this disclosure. The implementation of one or more embodiments involves a specific combination of hardware circuitry and software. It is not limited. For example, various embodiments include standalone software packages, and multiple As a software component, such as a combination of several software packages, It can be embodied in many different ways, or as a "tool" in a large software product. It may also be an embedded software package.

[0034] For example, exemplary software specifically programmed in accordance with one or more principles of this disclosure. It can be downloaded from a network (e.g., a website) and is standalone. As a product, or as an add-on for installation into existing software applications It may be available as a downloadable package. For example, in accordance with one or more of the principles of this disclosure. The separately programmed example software is also client-server software. Available as an application or as a web-enabled software application. This may be an example, an exemplary one, specifically programmed in accordance with one or more principles of this disclosure. The software is also a software package installed on a hardware device. It can also be materialized as a character.

[0035] In one or more embodiments, an exemplary original computer-based system / platform of the Disclosure Ratform, exemplary original computer-based device, and / or exemplary original The computer-based component may be configured to handle a large number of simultaneous users. The number is at least 100 (for example, 100 to 999, but not limited to these), At least 1,000 (for example, 1,000 to 9,999, but not limited to these), At least 10,000 (for example, 10,000 to 99,999, but not limited to these), At least 100,000 (for example, 100,000 to 999,999, but not limited to these ranges), At least 1 million (for example, 1,000,000 to 9,999,999, but these include (Not limited), at least 10 million (for example, 10,000,000 to 99,999,9) 99 (but not limited to these), at least 100 million (for example, 100,000,000~ 999,999,999, but not limited to these), at least 1 billion (for example, 1, (This ranges from 000,000,000 to 10,000,000,000, but is not limited to these ranges.) These are possible, but not the only possibilities.

[0036] In one or more embodiments, an exemplary original computer-based system and / or exemplary original computer-based devices are separate, specifically programmed devices of this disclosure. RAMed graphical user interface implementations (e.g., desktop, web applications) It may be configured to output to (etc.). In various embodiments of this disclosure, the final output is This may include, but is not limited to, computer screens, mobile device screens, etc. It may be displayed on the surface. In various implementations, the display is a holographic display. It can be a ray. In various implementations, the display is a transparent surface that can receive visual projection. It may be a surface. Such projections convey various forms of information, images, and / or objects. Yes, it is permissible. For example, such projection may be used for mobile augmented reality (MAR) applications. It can be used as a visual overlay.

[0037] As used here, the terms "cloud", "Internet cloud", and "cloud "Cloud computing," "cloud architecture," and similar terms are (1) real A large number of computers connected via a time communication network (e.g., the internet) (2) On a large number of connected computers (e.g., physical machines, virtual machines (VMs)) (3) The ability to run programs or applications simultaneously It appears to be provided by the server hardware, but in reality, (for example, end Move around on the fly without affecting users and scale up (or scale) (Can be down) Simulated by software running on one or more real machines Network-based services provided by virtual hardware (e.g., virtual servers) It corresponds to at least one of the services.

[0038] In one or more embodiments, an exemplary original computer-based system and / or an exemplary inventive computer-based device, one or more cryptographic techniques (e.g., private key / Public key pair, Triple Data Encryption Standard (3 DES), block cipher algorithms (e.g., IDEA, RC2, RC5, CAST, S kipjack), cryptographic hash algorithms (e.g., MD5, RIPEMD-160, RTR0, SHA-1, SHA-2, Tiger(TTH), WHIRLPOOL, RN By utilizing G), the data may be configured to be securely stored and / or transmitted. ru.

[0039] The examples given above are, of course, illustrative and not limiting.

[0040] As used herein, the term "user" means at least one user. In one or more embodiments, the terms "user," "subscriber," "consumer," or "Customer" refers to the user of one or more of the applications described herein, and / or the user of the application. It should be understood that this refers to consumers of data supplied by data providers. For example, the terms "user" or "subscriber" refer to a user in a browser session. Receiving data via the internet or data provided by a service provider. Sometimes it refers to people you trust, or automated software that receives data and stores or processes it. Sometimes, toware applications are also mentioned.

[0041] Under the terms of these insurance providers, installments are paid based on the actual cost incurred by the carrier. It is paid regardless of revenue. In addition, the price of the installment payments to be made in the current year is determined by the logistics and delivery provider. Once agreed upon by the provider and insurance provider, installment payments cannot be adjusted. Details are provided here. As such, one or more of the disclosed embodiments involve risk assessment associated with various activities. We use computer-based technical solutions to make the determination, as detailed here. A person skilled in the art who has an interest in this disclosure would know that this disclosure is relevant to construction activities, maintenance activities and freight transport activities. A technology solution that provides risk assessments for various activities, including associated risk assessments. It is understood that these are equally applicable. For example, this disclosure is applicable to the prior determination of individual freight transport. The shortened period (e.g., days, weeks, months, etc.), and / or a predetermined number (e.g., dozens). (hundreds, thousands, tens of thousands, hundreds of thousands, millions, etc.) and / or ranges (for example, tens, hundreds, thousands) Technical solutions that provide risk assessments for cargo insurance (ranging from tens of thousands, hundreds of thousands, millions, etc.) It is equally applicable to the cation.

[0042] In such cases, the risk assessment that considers real-time and historical parameters is correct. Many innovations and improvements are needed to make a definitive decision.

[0043] Transport unit cargo storage using adaptive machine learning in one or more embodiments (per shipment cargo insurance (PSCI)) Methods, apparatus, systems and computer programs for computer-based platforms Lamb products are disclosed. In one or more embodiments, optionally, any of the products disclosed herein. In combination with the above embodiment, one or more embodiments are a simulated pricing model A neural network that can be trained and used to compare with one or more related benchmark pricing models. A method including a network is provided. In one or more embodiments, optionally disclosed herein In combination with any of the embodiments, one or more embodiments dynamically adjust the insurance premium. Applied to one or more dynamic pricing models generated for one or more specified freight shipments. Determine one or more model risk probability values ​​and / or one or more model commodity price adjustment factors. Provides a method including a neural network that can be trained and used for one or more implementations. In terms of form, one or more may be optionally combined with any of the embodiments disclosed herein. One embodiment is a PSCI platform computer system (here, PSCI platform PSCI Risk Modeling provides insurance quotes to users of a platform (referred to as a form). In order to build a model to optimize the dynamic insurance pricing model generated by the engine, For example, one or more PSCI databases, third-party databases, networks The tracking realta compiled in the database and / or remote PSCI server Various machine learning algorithms, techniques, and methods are applied to immediacy transport data and static historical transport data. Provides a method including a machine learning module engine used to apply it. In embodiments, optionally, in combination with any of the embodiments disclosed herein, The above embodiments utilize the PSCI machine learning engine to process low-quality and / or irrelevant data. By discarding the data and simulating an improved model of cargo transport in which risk probability values ​​can be generated, This saves memory, reduces storage requirements, and lowers processing overhead. Provides a method. In one or more embodiments, optionally, any implementation disclosed herein. In combination with other forms, one or more embodiments enhance the efficiency of the PSCI machine learning engine. This includes one or more processors configured to run the PSCI machine learning engine. To improve the efficiency of the computer system, to simulate model cargo transport Mechanical engineering used to remove low-quality and / or irrelevant data from the data being used. A method is provided that includes a learning module engine. In one or more embodiments, optionally, here In combination with any of the embodiments disclosed herein, one or more embodiments are of low quality and / or This involves removing irrelevant data and avoiding processing such low-quality and / or irrelevant data. PSCI improves the operational efficiency of PSCI platform computer systems. A method including processes performed by a machine learning engine and a neural network is given. For example, in one or more embodiments, such a process may involve additional processing for analysis. By removing illogical data that requires a logical cycle, the PSCI platform To further improve the computational efficiency of a computer system. For example, in one or more embodiments Then, it is generated by the PSCI machine learning engine and input into the neural network. Removing low-quality and / or irrelevant data from simulated model cargo transport. This simulates the storage requirements associated with model cargo transport and simulates It is used as input to a neural network obtained from a model freight transport. The number of data points is reduced. For example, in one or more embodiments, PSCI machine learning The processes performed by the engine and neural network are performed by a computer, for example One or more server devices included in the PSCI platform computer system, It will be aimed at one or more improvements in functionality.

[0044] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, one or more embodiments use a simulated pricing model with one or more associated base prices A device including a neural network that can be trained and used for comparison with a set model. This provides, optionally, any embodiment disclosed herein. In combination with, one or more embodiments include one or more specified methods for dynamically adjusting insurance premiums. One or more model rules applied to one or more dynamic pricing models generated for freight transport. Trained and used to determine the probability value and / or one or more model commodity price adjustment factors. Provides a device including a neural network that can perform [some action]. In one or more embodiments, optionally In combination with any of the embodiments disclosed herein, one or more embodiments are PSC I Platform Computer System (referred to here as PSCI platform) The PSCI risk modeling engine generates the data that provides insurance quotes to users of ( To build a model for optimizing the insurance pricing model, for example, one or more PS CI database, third-party database, network database and / or This is real-time tracking transport data and static data compiled on a remote PSCI server. This data is used to apply various machine learning algorithms, techniques, and methods to historical transport data. The device includes a machine learning module engine. In one or more embodiments, Intentionally, in combination with any of the embodiments disclosed herein, one or more embodiments are P Using the SCI machine learning engine, low-quality and / or irrelevant data is discarded, and risk assessment is performed. Simulate an improved model of freight transport in which rate values ​​can be generated, thereby saving memory Provides a device that saves money, reduces storage requirements, and lowers processing overhead. In the embodiments described herein, optionally in combination with any of the embodiments disclosed herein, One or more embodiments improve the efficiency of the PSCI machine learning engine, and consequently the PSCI machine learning A computer system including one or more processors configured to run a learning engine. To improve efficiency, the data used to simulate model cargo transport is used to reduce A machine learning module engine used to remove quality and / or irrelevant data. Provides an apparatus including, optionally, any of the herein disclosed In combination with the embodiments, one or more embodiments remove low-quality and / or irrelevant data. By avoiding the processing of such low-quality and / or irrelevant data, the PSCI platform PSCI machine learning engine and improve the operational efficiency of online computer systems. Provides a device that includes a process performed by a neural network. For example, one or more In one embodiment, such a process performed by the apparatus involves additional processing for analysis. By removing illogical data that requires a logical cycle, the PSCI platform To further improve the computational efficiency of a computer system. For example, in one or more embodiments It is then generated by the PSCI machine learning engine and input into the neural network. Removing low-quality and / or irrelevant data from simulated model cargo transport. This includes storage requirements related to simulated model cargo transport and simulated Data obtained from model freight transport is used as input to a neural network. Reduce tappoints. For example, in one or more embodiments, the PSCI machine learning engine And the process carried out by the device including the neural network is a computer, for example if one or more server devices included in the PSCI platform computer system, This will be aimed at one or more improvements to the functionality of [the system / function].

[0045] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, one or more embodiments utilize the input interface provided by the PSCI platform. Use for specified freight transport, including goods transported by logistics and transportation providers. A method is provided which includes receiving the details of the transport. In one or more embodiments, the method is provided which includes Using at least one processor included in the PSCI platform, Based on the shipping details that indicate the types of goods included in the cargo shipment, the product type is determined. The method includes, in one or more embodiments, using at least one processor From one or more databases accessible by the PSCI platform, one or more insurance One or more pre-determined pre-contractual basis provided by the provider The method includes receiving a criterion. In one or more embodiments, the method includes at least one process Using the service, compare the transportation details with the pre-contractual standards of each respective underwriter. This includes identifying one or more eligible insurance providers from one or more insurance providers. The method, in one or more embodiments, uses at least one processor to perform one or more For each eligible insurance provider, please provide details of the transportation and pre-underwriting criteria for each provider. The method includes determining the respective risk probability values ​​based on the following. And, using at least one processor, each of one or more eligible insurance providers Regarding this, the dynamic price is determined based on the transportation details and the respective risk probability values. The method includes generating a configuration model. In one or more embodiments, at least one Using the processor, for each of one or more eligible insurance providers, Using the dynamic pricing model and the respective determined risk probability values, the identified cargo To generate insurance premiums for each transport in real time, and at least one Using a processor, one or more real-time transport data or The method includes receiving historical transport data. In one or more embodiments, the method includes at least Using another processor, for each of one or more eligible insurance providers, Based on the above real-time or historical transport data, each model risk The method includes generating probability values. In one or more embodiments, the method includes at least one p Using Rossessa, for each of one or more eligible insurance providers, each repair The predetermined, pre-determined premium adjustment criteria were met in order to determine the corrected premium value. In this case, based on the respective model risk probability values, each real-time insurance contract This includes dynamically modifying the amount. In one or more embodiments, the method includes at least one The processor is used to identify the following for each of one or more eligible insurance providers. Real-time insurance premiums or modified insurance premiums for each cargo transport This includes determining each insurance quote in real time based on one of the contract fees. .

[0046] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, one or more embodiments use adaptive machine learning. The PSCI platform is used. In one or more embodiments, the device is used by the user Includes an interface. The device, in one or more embodiments, provides one or more accessible data The device includes one or more non-temporary memories, including a database. In one or more embodiments, the device includes one The device includes the above processor. In one or more embodiments, the device includes a PSCI platform. Using the input interface provided by the system, the logistics provider will transport goods including One or more processors configured to receive shipping details for identified cargo transport Includes. The device is included in one or more embodiments of the PSCI platform, at least Using a single processor, the type of goods included in the identified cargo shipment is indicated. Includes one or more processors configured to determine the product type based on shipping details. In one or more embodiments, the configuration uses at least one processor to implement the PSCI From one or more databases accessible to the platform, one or more insurance providers The underwriter is configured to receive the pre-determined pre-contractual standards provided by each underwriter. The device includes one or more processors. In one or more embodiments, the device includes at least one Using two processors, the pre-contractual standards of each underwriter were determined in advance regarding the transportation details. Compared to that, it identifies one or more eligible insurance providers from one or more insurance providers. The device includes one or more processors configured in such a way. In one or more embodiments, the device includes at least Each of them uses one processor for each of one or more eligible insurance providers. Determine the transportation details and the respective risk probability values ​​based on the pre-contractual criteria of each underwriter. The device includes one or more processors configured as follows. In one or more embodiments, the device includes one or more processors. For each of the above eligible insurance providers, please provide the shipping details and the respective determined prices. One or more programmers configured to generate their respective dynamic pricing models based on probability values. Includes a regulator. The apparatus, in one or more embodiments, is for one or more eligible insurance providers. For each, the respective dynamic pricing model and the respective determined risk probabilities. Use the values ​​to generate the respective insurance premiums in real time for the specified cargo shipments. The device includes one or more processors configured to do so. In one or more embodiments, the device includes Receive one or more real-time or historical transport data sets from one or more databases. The device includes one or more processors configured to do so. In one or more embodiments, the device includes one For each of the above eligible insurance providers, one or more real-time transport data or A system configured to generate each model risk probability value based on historical transport data. The device includes the above processor. In one or more embodiments, the device includes one or more eligible insurance providers. For each of the Iders, if the predetermined pre-determined premium adjustment criteria are met, To determine each modified premium value, based on each model risk probability value One or more systems configured to dynamically adjust each insurance premium in real time. Includes a processor. The device, in one or more embodiments, is for specified cargo transport. For each of the one or more eligible insurance providers, each insurance premium or each Each insurance quote is determined in real time based on one of the revised insurance premiums. Includes one or more processors configured to do so.

[0047] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, one or more embodiments use the PSCI platform and implement therein Use computer program products, including computer program products. One or more implementations. In terms of form, the execution of the processors included in the PSCI platform PewterProgram products are computer-readable storage media with embedded program code. (Includes a temporary signal.) In one or more embodiments, the program code is a thing The transit provider receives the transit details for the specified cargo transport, including the goods to be transported. Readable and executable by one or more processors included in the PSCI platform Yes. In one or more embodiments, the program code is included in the specified freight transport. The PSCI platform determines the product type based on shipping details that indicate the type of goods. Readable and executable by one or more processors included in one or more embodiments. The program code is one or more data accessible to the PSCI platform. Based on one or more pre-determined terms offered by one or more insurance providers One or more of the PSCI platform that receive each underwriter's pre-contractual standards Readable and executable by a processor. In one or more embodiments, the program code D compares the transportation details with the pre-contractual standards of each respective underwriter, and has one or more reserves. PSCI platform for identifying one or more eligible insurance providers from among insurance providers Readable and executable by one or more processors included in the form. One or more implementations In this context, the program code is based on the transportation details and the pre-contractual standards of each underwriter. Then, determine the respective risk probability values ​​for each of the one or more eligible insurance providers. Readable and executed by one or more processors included in the PSCI platform for this purpose. It is possible. In one or more embodiments, the program code includes the transport details and each Based on the determined risk probability value, for each of one or more eligible insurance providers One of the components included in the PSCI platform for generating each dynamic pricing model The above processors are readable and executable. In one or more embodiments, the program The Ramcode uses each dynamic pricing model and each determined risk probability value. Use to pay each insurance premium to one or more eligible insurance providers. To the PSCI platform for real-time generation for identified cargo transport Readable and executable by one or more processors included. The program code retrieves real-time transport data from one or more databases. This is one or more processes included in the PSCI platform for receiving historical transport data Readable and executable by Ssa. In one or more embodiments, the program code is For each of one or more eligible insurance providers, real-time transport data or historical data. PSCI for generating each model risk probability value based on one or more transport data Readable and executable by one or more processors included in the platform. In the above embodiment, the program code is provided to each of one or more eligible insurance providers. Regarding each of the modified premium values, a predetermined insurance If the premium adjustment criteria are met, based on the respective model risk probability values, Included in the PSCI platform for dynamically adjusting insurance premiums in real time. Readable and executable by one or more processors. In one or more embodiments, one For each of the above eligible insurance providers, the respective insurance premium or the respective repair Based on one of the corrected insurance premiums, it is used in real time for the specified cargo shipment. It includes one or more processors configured to determine each insurance quote.

[0048] Throughout this specification, including the abstract, any reference to features, benefits, or similar statements is the exclusive right of this publication. All of the features and advantages that can be realized by the present invention are available in any one embodiment of the present invention. This does not mean that it should exist or is already existing. Rather, it means that its characteristics and advantages The wording referring to a particular point indicates that a specific feature, advantage, or characteristic described in relation to one embodiment is present. This is understood to mean that it is included in at least one embodiment of the original. Descriptions of features and advantages throughout this document, and similar wording, refer to the same embodiments. That's fine, but not necessarily so.

[0049] Furthermore, the features, advantages, and characteristics described in one embodiment may be applied in one or more embodiments. They may be combined in an appropriate manner. Those skilled in the art will know the specific features or advantages of a particular embodiment. You will recognize and understand that the present invention can be carried out even if one or more of the above are not present. In some of the embodiments described, additional features and The advantages may be recognized.

[0050] These features and advantages of the present invention are more fully described below and in the appended claims. This may become clear or can be learned by the implementation of the present invention as described below.

[0051] Figure 1 shows computer-based per-shipment-cargo insurance. go Insurance (PSCI)) system / platform 100 and example User devices 102a to 102n communicate via one or more data communication networks 110 One or more configured to interact with the PSCI system / platform 100 Logistics and transportation providers (e.g., shipping companies, sports companies, DHL, FedEx, USPS, etc.) (e.g., cargo insurance underwriter) computer system (e.g., transportation logistics server device 130) a~130n) and one or more insurance companies / underwriters (e.g., insurance companies, cargo insurance underwriters) Computer systems (e.g., insurance company / underwriter server devices 180a-180n) A block diagram is drawn of an exemplary architecture of one or more embodiments of system 10, including the above. In one or more embodiments, the PSCI system / platform 100, user device S102a~102n, transport and logistics server devices 130a~130n, or combinations of the above Waseda will provide an insurance contract for individual cargo transportation at the point of sale to the logistics transportation provider (for example) (DHL, FedEx, UPS, USPS) and / or shipping agents and / or PS It is configured to be provided to other users of the CI system / platform 100.

[0052] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the exemplary computer-based system is one or more PSCI platform services. PSCI system / platform 10 implemented in the ver devices 120a~120n It may be configured to include 0. Each server device is one or more computer devices, e.g. For example, it is implemented in a cluster of multiple computers. In one or more embodiments, one or more Exemplary originality that may include PSCI platform server devices 120a-120n The PSCI Platform 100 is an exemplary and innovative shipping unit cargo insurance (PSCI) solution. It is configured to run software. For example, the ingenious PSCI software. It uses internal and external data sources to determine insurance premium rates globally in real time. This provides a standard environment for running PSCI software that utilizes the IMMRISK engine. Virtual machines, application programmable interface libraries, and / or others It is possible to give instructions to transport. For example, in one or more embodiments, it may affect the transport Risk models that take into account weather, global conflicts and / or other factors are used in the PSCI system. / Platform 100 should offer optimal insurance rates to transportation and logistics companies and other users. It is adjusted in real time. In this embodiment, the PSCI platform 100 is To provide the capability for individual cargo transport guaranteed in an efficient and precise manner.

[0053] One or more transportation logistics server devices 130a~130n are one or more computer devices For example, it is implemented in a single cluster of computers. In one or more embodiments, The above transportation and logistics server devices 130a to 130n are part of the PSCI system / platform. Using 100, you can pay insurance costs associated with the transportation of goods (e.g., transport unit insurance). , in real time, and / or the owner of the goods transporting the goods (e.g., owner / shipper / shipper) It is configured to be determined at the time of contract with the recipient. For example, FedEx, DHL, UPS Transportation and logistics providers such as USPS utilize the PSCI Platform 100. And, in real time and / or at the time of contract with the owner, provide the customer with transport unit-based transport insurance. It can be provided.

[0054] One or more insurance / underwriter server devices 180a~180n are one or more computers It is implemented in a data device, for example, a cluster of computers. In one or more embodiments where one or more insurer / underwriter server devices 180a-180n utilize the PSCI plat form 100 to provide insurance contracts (e.g., transit unit insurance) for individual commodity ty pes of cargo for transportation by a logistics transportation provider. These insurance contracts are provided in real-time, near real-time, or when the shipper contracts with a logistics transportation provider to transport the cargo, to provide the shipper of the cargo with an estimate of insurance compensation for one or more individual transports. It can be accessed and utilized by the PSCI platform that provides such. For example, transportation logistics providers such as FedEx, DHL, UPS, USPS, etc. can utilize the PSCI system / platform 100 to provide in real-time, near real-time, or at the time of contracting to transport the cargo, an estimate of insurance compensation for the cargo transport to be underwritten by one or more third party insurance companies and / or underwriters to the customer.

[0055] For example, in one or more embodiments, the PSCI platform server devices 120 a-120n, the insurer / underwriter server devices 180a-180n and / or the transport logistics server devices 130a-130n are web servers (or a series of servers) that execute a network operating system. For example, one or more of the PSCI platform ser ver devices 120a-120n, the insurer / underwriter server devices 180a-180n and / or the transport logistics server devices 130a-130n include Microsoft Windows Server, Novell NetWare, or Linux In one or more embodiments, the PSCI platform Server devices 120a~120n, Insurance company / underwriter server devices 180a~18 One or more of the 0n and / or transport logistics server devices 130a to 130n are cloud and / Alternatively, it may be used and / or provided for network computing. As shown in Figure 1. However, in some embodiments, the PSCI platform server device 12 0a~120n, insurance company / underwriter server devices 180a~180n and / or transportation Logistics server devices 130a-130n support email, SMS messaging, and text messaging. It has connections to external systems such as messaging and advertising content providers. This may be done. In one or more embodiments, the PSCI platform server device 120a All of the features of ~120n will be implemented in the transportation and logistics server devices 130a~130n. It is possible to do this, and the reverse is also possible.

[0056] In one or more embodiments, PSCI platform server devices 120a to 12 0n, Insurance / Underwriter Server Devices 180a~180n and / or Transportation Logistics Servers One or more of devices 130a to 130n may, in non-specific examples, be an authentication server, a search server, etc. B, email server, social networking service server, SMS server, I M server, MMS server, exchange server, photo sharing service server, advertising server, insurance Underwriting service servers, financial / banking related service servers, mobile service servers, or similar. It can be programmed to run as a suitable service-based server.

[0057] In one or more embodiments, a combination of any of the embodiments described above or below may be used as a matter of choice. In this case, for example, one or more exemplary user devices 102a to 102n, PSCI platform Form server devices 120a~120n, insurance company / underwriter server device 1 80a~180n and / or transport logistics server devices 130a~130n are scripts Language, email, remote procedure calls, tweets, short message service SMS (Smartphone Message Service), Multimedia Messaging Service (MMS), Instant Messaging IM (Information Streaming), Internet Relay Chat (IRC), mIRC, Jabber (Registered trademark), Application Programming Interface, Simple Obje ct Access Protocol (SOAP) method, Common Object ct Request Broker Architecture (CORBA), HT TP (Hypertext Transfer Protocol), REST (Rep (Resentational State Transfer), or any of the above. A specially programmed system that can be configured to send, receive, and process information using a combination of elements. It may include a software module. In one or more embodiments, optionally, hereby Combined with any of the disclosed embodiments, one or more PSCI platform services Bus devices 120a~120n, insurer / underwriter server devices, and / or transport goods One or more processors included in the server devices 130a to 130n are disclosed herein. The PSCI software program is executed to insure one or more specific transports. It executes functions and features that include the necessary calculation criteria to provide an estimate.

[0058] In one or more embodiments, a user of the PSCI system / platform 100 uses user devices 102a - 102n on which client software 1 04a - 104n is installed to provide transport information regarding one or more freight transports, request cargo insurance for related cargo, receive a cargo insurance estimate for related cargo, and / or accept cargo insurance for related cargo, and can perform various functions including these. In one or more embodiments, the user uses user devices 102a - 102n on which client software 104a - 104n is installed to access the PSCI software installed on one or more transport logistics server devices 130a - 130n, and can perform various functions including providing transport information regarding one or more freight transports, requesting cargo insurance for related cargo, receiving a cargo insurance estimate for related cargo, and / or accepting cargo insurance for related cargo. In one or more embodiments, a user of the PSCI system / platform 10 0 may use transport logistics server devices 130a - 130n on which client software 134a - 134n is installed. In other embodiments, client software is installed on one or more user devices 102 a - 102n and / or transport logistics server devices 130a - 130n so that a user can use the PSCI system / platform 100 to perform one or more of the functions described herein. In one or more embodiments, a user of the PSCI system / platform 100 uses user devices 102a - 102n on which client software 104a - 104n is installed to access the PSCI software installed on one or more transport logistics server devices 130a - 130n, and can perform various functions including providing transport information regarding one or more freight transports, requesting cargo insurance for related cargo, receiving a cargo insurance estimate for related cargo, and / or accepting cargo insurance for related cargo. In one or more embodiments, a user of the PSCI system / platform 10 0 may use transport logistics server devices 130a - 130n on which client software 134a - 134n is installed. In other embodiments, client software is installed on one or more user devices 102 a - 102n and / or transport logistics server devices 130a - 130n so that a user can use the PSCI system / platform 100 to perform one or more of the functions described herein. In one or more embodiments, a user of the PSCI system / platform 100 uses user devices 102a - 102n on which client software 104a - 104n is installed to access the PSCI software installed on one or more transport logistics server devices 130a - 130n, and can perform various functions including providing transport information regarding one or more freight transports, requesting cargo insurance for related cargo, receiving a cargo insurance estimate for related cargo, and / or accepting cargo insurance for related cargo. In one or more embodiments, a user of the PSCI system / platform 10 0 may use transport logistics server devices 130a - 130n on which client software 134a - 134n is installed. In other embodiments, client software is installed on one or more user devices 102 a - 102n and / or transport logistics server devices 130a - 130n so that a user can use the PSCI system / platform 100 to perform one or more of the functions described herein. In one or more embodiments, a user of the PSCI system / platform 100 uses user devices 102a - 102n on which client software 104a - 104n is installed to access the PSCI software installed on one or more transport logistics server devices 130a - 130n, and can perform various functions including providing transport information regarding one or more freight transports, requesting cargo insurance for related cargo, receiving a cargo insurance estimate for related cargo, and / or accepting cargo insurance for related cargo. In one or more In this embodiment, the user generally resides on and runs on the user device 102. Access and browse the internet using a browser. A web browser is used by the shipper / A user can access one or more server computers via the web, for example, one or more servers Acquire and render hypermedia content from 130a to 130n. A computer program or set of computer instructions that enables this. In this embodiment, the user has a client on each user device. Interacting with the PSCI system / platform 100 using software This is possible. In one or more other embodiments, the user can obtain information from an authorized user (for example) Shipping information, shipping details, login / password information (e.g., authentication and other information disclosed herein) It is possible to request information from the PSCI platform 100 by entering information such as [information]. An example includes an integrated API configured to enable this (e.g., PSCI API 401). Users configured to access the innovative PSCI system / platform 100 The device may have client software installed. For example, authorization The user who was selected will have an account in the PSCI system / platform 100. This could be the owner of the PSCI system / platform, or an authorized account user. Form 100 is for individuals, companies, or other entities (e.g., pseudonym accounts, new It may have millions of accounts (such as sex accounts). For example, in one or more embodiments The PSCI API 401 is used for websites, or the World Wide Web, and other web services. The owner of the site, or further on one or more PSCI server devices 120a-120n It can be configured as integrated software implemented on the intermediary server. This integrated software Authorized users can enter information that the PSCI platform 100 may receive. This enables and / or the information provided by the PSCI platform 100 Provide one or more graphical user interfaces (GUIs) that enable reception. For example, in one or more embodiments, the PSCI API401 is a PSCI platform. Form 100, website, one or more user devices 102a-102n, one or more Logistics transportation provider server devices 130a-130n, and / or one or more insurance businesses Facilitates integration and communication between the user / underwriter server device 180a~180n and one or more other devices. It can be used for that purpose.

[0059] In one or more embodiments, the insurance company and / or underwriter uses exemplary PSCI software. To access the exemplary and ingenious PSCI platform 100 that runs the software, Insurance companies / underwriters with Ryant Software 104a~104n installed Using one or more of the server devices 180a to 180n, for example, in freight transport Providing transportation information regarding one or more types of goods and / or goods being transported, freight transport Providing an insurance quote for one or more cargo shipments and / or product types included in the goods, To provide quotes for related cargo insurance, PSCI System / Platform 10 Providing information used by 0, for example, pricing and insurance premium information (for example, the commercial described herein) Factors that influence product price fluctuations and / or risk probability values) and / or other information (e.g., what kind of product) Whether a type of cargo (i.e., a commodities type of cargo) is covered by insurance, or whether each type of cargo The desired premium required to provide insurance coverage to, the coverage provided and / or (This includes excluded regions, maximum available coverage, company logo, etc.) (Here, it is summarized as insurance company / insurance provider / insurance provider) Refusal to provide (referred to as "consignee information") and / or related cargo insurance and / or other information for the transport. It can perform various functions, including, in one or more embodiments. Users of underwriter server devices 180a~180n are generally insurers / underwriter servers Using a web browser that is present and running on devices 180a to 180n, Access the website to browse and obtain quotes for cargo insurance on related cargo and / or related The PSCI system / Platform 100 is used to refuse cargo insurance for linked cargoes. An example of a PSCI system for performing various functions, including providing information on insurance companies / underwriters. Access the exemplary and original PSCI platform 100 that runs the software. i. A web browser allows the shipper / user to access one or more server computers available via the web. A user, for example, one or more servers 180a-180n, can receive hypermedia content. A computer program or set of computers that enables acquisition and rendering This is a computer command. In one or more embodiments, the user (e.g., insurance provider, The contractors, etc., will use each server device 180a to 180n for each client Interact with the PSCI system / platform 100 using Ant software. Obtain. The user's account on the PSCI system / platform 100 This could be the owner or an authorized account user of the PSCI system / platform. Form 100 is for individuals, companies, or other entities (e.g., pseudonym accounts, novelty accounts) They may have millions of accounts (such as counts).

[0060] In one or more embodiments, user devices 102a to 102n are connected to a data communication network. PSC via a network like Work 110 (e.g., a cloud network) Platform server devices 120a~120n and / or transportation logistics server devices Sending messages to other computing devices such as the S130a~130n This can be any computing device capable of receiving the data. For example, a user device is Internet service provision via a network such as a mobile network You can connect to the Internet via an Internet Service Provider (ISP) or in other ways. In one or more embodiments, user devices 102a to 102n are personal computers. Computers, multiprocessor systems, microprocessor-based or programmable consumer electronics This may be a product, a network PC, etc. Chairs 102a-102n are mobile phones, smartphones, pagers, and transceivers. , radio frequency (RF) devices, infrared (IR) devices, CB, and one or more of the above devices Integrated devices combining these features, or virtually any mobile computing device, etc. A typical computer connects to a network using wireless communication media such as This may include a user device. For example, one or more user devices 102a to 102n may include, For example, a laptop or desktop computer, a smartphone, or an electronic tablet. This may include, but is not limited to, a user device. In one or more embodiments, one or more user devices Chairs 102a to 102n are wired and / or wireless communication media (e.g., NFC, RFID, NFC). BIOT, 3G, 4G, 5G, GSM, GPRS, WiFi, WiMax, CDMA, PDAs and Pocket PCs equipped to communicate via (such as Stars, ZigBee, etc.) Wearable computers, laptops, tablets, desktop computers, Netbooks, video game devices, pagers, smartphones, ultramobile Wired or wireless communication such as a personal computer (UMPC) and / or other devices. It may be a device that can be connected using a medium. In one or more embodiments, One or more user devices 102a~102n, in particular, an internet browser, mobile Applications such as voice calls, video games, video conferencing, and email. One or more applications can be executed. In one or more embodiments, one or more User devices 102a to 102n are configured to send and receive web pages, etc. i. In some embodiments, an exemplary specially programmed browser application The format is a standardized generalized markup language like Hypertext Markup Language (HTML). SMGL (Single-Multiple Language), Wireless Application Protocol (WAP), Wireless Handheld device markup languages ​​(HDML) like WML ), including but not limited to WMLScript, XML, JavaScript, etc. Using virtually any web-based language, you can create graphics, text, and multimedia. The user device may be configured to receive and display the following. In one or more embodiments, the user device 102a~102n are Java, .NET, QT, C, C++, and / or other suitable languages. It can be specifically programmed by one of the programming languages. In one or more embodiments And one or more user devices 102a~102n are used to perform various possible tasks. The task may include or be specifically programmed to run an application. If, locally saved or uploaded messages, images and / or videos, and / or messaging, browsing, and search functions for various forms of content, including games. Playback, streaming, or display, but not limited to these.

[0061] In one or more embodiments, one or more user devices 102a to 102n and / or one The above transportation and logistics server devices 130a to 130n are clients or client systems. It is configured to include software referred to as software 104a to 104n. The software is running on a user device that is a PSCI system / platform 100. Access, and users submit, post and / or receive information, and / or data fields Interact with the system to input information into data fields, and respond to one or more information requests to input that information. To enable transmission, for example, in one or more embodiments, one or more users Devices 102a-102n and / or one or more transport logistics server devices 130a-13 The clients present in 0n may be web browsers, or may be web browsers In an HTML (Hypertext Markup Language) document that is rendered as such It may be. In one or more embodiments, the client has JavaScript code Alternatively, it may be Java code. In one or more embodiments, the client is PSC I System / Platform 100 and dedicated software specifically designed to work with it. A, for example, an installed app or an installed application. This may be done. In one or more embodiments, the client may, for example, use short messaging. Service (SMS) interface, instant messaging interface, electronic It may be an email-based interface or an API-based interface, These may be included.

[0062] In one or more embodiments, one or more data communication networks 110 (see Figure 2) The disclosed 270) includes, for example, broadcast networks, cable networks, and public networks. Network (e.g., the internet), private network, wireless network, Cellular networks, or any other suitable private and / or public networks This could include any of the following combinations of different types of appropriate communication networks. , but not limited to these. Furthermore, one or more data communication networks 110 (see Figure 2) Any of the disclosed 270) in reference to this shall have any appropriate communication range associated therewith It is possible. For example, global networks (e.g., the internet), metropolitan networks Rear network (MAN), wide area network (WAN), local area network This may include a LAN or a Personal Area Network (PAN). Furthermore, In all of the above data communication networks 110, network traffic is transported. This may include any type of medium obtained. This medium may include coaxial cable, twisted pair wire, Optical fibers, hybrid fiber coaxial (HFC) media, microwave terrestrial transceivers, Radio frequency communication media, white space communication media, ultra-high frequency communication media, satellite communication media, This may include, but is not limited to, any combination of these.

[0063] In one or more embodiments, one or more data communication networks 110 (see Figure 2) The disclosed 270) provides a network to a computing device coupled thereto. One or more implementations may provide access, data transfer and / or other services. In its form, one or more data communication networks 110 (and disclosed with reference to Figure 2) 270) one or more types of wireless communication signals and / or one or more wireless communication protocols It can be used in combination with a system that complies with it. This protocol is, for example, wireless. Frequency (RF), infrared (IR), frequency division multiplexing (FDM), orthogonal FDM (OFDM) Time-division multiplexing (TDM), time-division multiple access (TDMA), extended TDMA (E-TDM) A) General Packet Radio Service (GPRS), Extended GPRS, Code Division Multiple Access (CD) MA), broadband CDMA (WCDMA®), CDMA2000, single-band CDMA Rear CDMA, multi-carrier CDMA, multi-carrier modulation (MDM), discrete multi-carrier Bluetooth (DMT), Bluetooth®, Global Positioning System (GPS), W i-Fi, Wi-Max, ZigBee, Ultra-Wideband (FDM), Global SIM for Mobile Communications STEM (OFDM), 2G, 2.5G, 3G, 3.5G, 4G, 5th generation (5G) mobile Long Term Evolution (T) Network, 3GPP (registered trademark), DM), LTE advanced, Enhanced Data Rate for Examples include GSM Evolution (TDMA), etc. Other embodiments include various other devices, It may be used in systems and / or networks.

[0064] In one or more embodiments, the PSCI system / platform 100 is one or more Data communication network 110, one or more databases 150(1)~(n), one or more Logistics provider database 160(a)-(n), and / or one or more third parties It is configured to access databases 170(a) to (n). For example, Third-party insurance providers via Twork 110 and / or Network 110 Third-party databases 170(a) to (n) connected to the system are individual items. PSCI platform to access one or more insurance contracts directed to the logistics provider Accessible via form 100. One or more databases 150(1)~(n ), logistics provider database 160(a)~(n), and / or third parties Databases 170(a) to (n) are managed by a database management system (DBMS). It may be any type of database, including the managed database. One or more implementations In this context, an exemplary DBMS management database can organize a collection of data. MySQL, PostgreSQL, SQLite, Microsoft SQL Server, Microsoft Access, Oracle, SAP, dBASE , FoxPro, IBM DB2, LibreOffice Base, FileMak er Pro and / or any other type of database management system It can be a database implemented in a DBMS. For example, a database is a primary database. - It can be relational, post-relational, or in-memory, such as a drive-type system. This is also fine. For example, if a record contains a primary key such as a unique identifier, then that record is one Based on identifiers, a set is clustered or subclustered into subsets. It can become. Here, each set or subset is for that set or subset. It is also associated with a specially generated unique identifier. It should be noted, however, within the database... Each record may be a row containing multiple columns, but it is treated as unstructured data. Other methods of organizing multiple records may also be used.

[0065] Referring to Figure 1, one or more embodiments of the system 10 are given, and one or more telecommunications This includes communication and / or telematics devices 140(a) to (n). via one or more data communication networks 110, the PSCI system / platform In real time, for example, transport cargo and equipment used to transport transport cargo. Operational data relating to, operational data relating to equipment, and / or Regarding objects and / or entities, such as data (as described here) It is configured to collect, store and / or transmit data. For example, one or more embodiments In this, one or more telecommunications and / or telematics devices 140 ( a)~(n) are PSCI platform server devices 120a~120n and / or This is one or more databases accessible via the transportation and logistics server devices 130a to 130n. -150a~150n, 160a~160n and / or 170a~170n, one or more To transmit the sensor data generated by the sensor device (e.g., 290, see Figure 2) It is configured as follows. For example, sensor data is received by a remote sensor. The sensor data is Includes environmental, contextual, behavioral, psychological, and / or other freight transport-related data. Communication and / or telematics devices 140(a)~(n) are objects (That is, inanimate or living things such as goods and / or transport personnel included in freight transport, for example) (things) and / or entities and / or environment (e.g., the place where goods are contained or transported) The environment and / or packaging, containers, ships and / or transport vehicles), and / or objects The ct and / or entity is contained or transported, and the object and / or enterprise Titi is placed or moved, and / or object and / or entity T collects, stores, and / or transmits telematics information about the context in which it is affected. It is configured to transmit / transmit. For objects and / or entities, telecom Communication and / or telematics devices 140(a) to (n) collect and store And / or such telematics information sent and received may include, for example, objects and / or This may include the state, behavior, value, movement, health and / or safety of an entity, but these may include It is not limited. Such telematics information about the environment includes, for example, weather conditions (for example) Sunny, clear skies, partly cloudy, cloudy, cloudy, rain, drizzle, sleet, snow, storm, humidity, temperature Dew point, atmospheric pressure and density, wind, clouds, precipitation, evaporation, atmospheric stability, frost, radiation and other weather phenomena. Parameters, etc.) and / or environmental conditions (e.g., moisture, humidity, air, water, temperature, pollution, emissions) Conditions for transporting goods, waste, water, cargo shock, rail transport, road transport, air transport, etc. This includes, but is not limited to, the following: Such teleinformation regarding transportation context information. Matics information includes, but is not limited to, the status of roads, railways, waterways, air routes, etc. These are not possible. These include, for example, the depth of a waterway, the condition of a road (e.g., slippery, wet, dry, surface). Conditions, etc.), one or more streetlights and / or stop lights and / or intersections placed on the road Air route conditions (e.g., turbulence, visibility, humidity, etc.), rail conditions, cargo conditions, cargo movement Damage related to fixed values, cargo and / or methods of transport (e.g., roads, waterways, airways, railroads, etc.) Transportation that may be used to transport information or objects and / or entities It is another state of the mode.

[0066] The term "telematics" generally refers to vehicle-embedded platforms / hardware devices. (For example, an original equipment manufacturer (OEM) with an onboard diagnostic (OBD) cell From devices such as sensors attached via a fountain or mobile device In automotive navigation systems that collect, store, extract, and transmit telematics data. This relates to the use of the Global Positioning System (GPS) technology commonly used in this context. The disclosure is not limited to such technologies, but rather includes telematics devices 140(a)~( n) collects, stores, and transmits information about objects and / or entities. This includes, but is not limited to, vehicle navigation systems and / or sensors used for this purpose. It is intended to encompass, and may include, a wide range of device arrays. In the implementation configuration, the telecommunications and / or telematics device 140(a )~(n) may include, but is not limited to, mobile devices, GPS devices, etc. To track the movement, behavior, state, and / or health of a project and / or entity. RFID tags, sensor devices, accelerometer devices, or small wireless transceivers, etc. This may also include other devices associated with the object and / or entity.

[0067] In addition, it should be noted that in one or more embodiments, telecommunications and The telematics devices 140a-140n are particularly relevant to biological entities. Although not directly related, nevertheless, the management, collection, transportation and / or of the cargo. Collect, preserve, and store information about living beings or objects, such as transport personnel whose duty is storage. It may include a device that can transmit and / or capture data. Examples include a surveillance camera or a device that can capture and / or capture data. Cameras, microphones, light and / or electromagnetic sensors, and / or multiple such devices The chairs work in coordination. Collect, store, and / or transmit biometric information about individuals. Telecommunications and / or telematics devices 140a~140n capable of Other examples include blood pressure monitors, heart rate monitors, weighing scales, alcohol analysis devices, and skin elasticity monitors. This includes wearable computing devices (such as smartwatches). However, this is not limited to these. Telecommunications and / or telematics devices Sections 140a to 140n concern the behavior or movement of objects and / or entities. A single device or a single device that operates individually or in coordination to collect, store, and / or transmit information. This may include multiple devices.

[0068] In one or more embodiments, the PSCI system / platform 100 is one or more One or more data communication networks from third-party databases / services 170a~170n Telematics data may be acquired via network 110. The data to be acquired Regarding the analysis of collected telematics data, as described here, the transport units Global dispute data related to the calculation and determination of insurance coverage (e.g., intelligence, information, Trends, etc.), traffic data (e.g., intelligence, information, trends, etc.) and / or weather Image data (e.g., intelligence, information, trends, etc.) and / or information about the goods themselves Report (e.g., value, damage to cargo, decrease / increase in value, cargo attributes (weight, height, width, container)) One or more contextual aspects, including but not limited to (tenant / packaging / restraint / transportation requirements, etc.) It is used to add surfaces.

[0069] As those skilled in the art will understand, the hardware and fares depicted in the diagrams referenced herein Software / software utilities, and software components and related The basic configuration may change. For example, the components shown in the diagram of PSCI Platform 100 This is not intended to be exhaustive, but rather to be relevant to specific implementations of the embodiments described. It is considered representative of some of the components used. For example, the PSCI platform Other hardware that may be used in addition to or instead of the hardware depicted in Form 100 Different configurations, including devices / components, may be given, and may even be different configurations. Therefore, the examples depicted are in accordance with the embodiments and / or general inventions described herein. This does not imply any limitations on the architecture or other aspects related to it.

[0070] Now, referring to the figures, starting with Figure 2, one or more embodiments of transport unit cargo insurance (P Provides cloud infrastructure to support the implementation of the SCI framework. An example PSC operating as a network computing device and / or server. A block diagram of the Data Processing System (PSCI DPS) is shown. PSCI DPS 200 is an exemplary embodiment of the PSCI platform 100, referring to Figure 1. Description of various embodiments of the disclosed PSCI system / platform 100 To perform one or more of the features described herein, use the exemplary and original PSCI software disclosed herein. Includes one or more computing devices configured to run. In one embodiment The PSCI DPS200 is used in, for example, desktop computers and notebook computers. It may be a computer or a server, but not limited to any other electronic device. In this configuration, the PSCI DPS200 is one server in a cluster of multiple servers. This may be a b. Here, multiple servers may be located in a single location, or multiple These locations may be geographically dispersed, or a combination thereof. In addition, In this configuration, the PSCI DPS200 shares the hardware resources of the physical server. It may be implemented as a virtual machine.

[0071] In one or more embodiments, the exemplary PSCI DPS200 is a system interconnection 2 System memory 210, non-volatile storage 225, and input / output (I / O) via 15 Includes one or more processors or central processing units (CPUs) 205 coupled to the controller 230. In one or more embodiments, the system interconnect 215 may be replaced by a system bus. This may be done. For example, in one or more embodiments, the memory 210 is connected to one or more processors 1 It can be coupled to 05 in an operable manner. Memory 210 is designed to store various types of data. It may be a non-temporary medium configured as follows. For example, memory 210 is secondary storage, One or more memory modules including ROM and / or Random Access Memory (RAM) This may include memory devices. Secondary storage typically consists of one or more disk drives. It consists of an optical drive, a solid-state drive (SSD), and / or a tape drive. , used for non-volatile storage of data. In certain cases, the assigned RA If M is not large enough to hold all the working data, then secondary storage is needed. It can be used to store overflow data. Secondary storage can also be programmed It may be used to store files, and such a program is selected for execution when R AM can be loaded. ROM contains instructions and possibly data that is read during program execution. It is used to store data. Compared to the large memory capacity of secondary storage, ROM is used. A typical non-volatile memory device has a small memory capacity. RAM is volatile. It is used to store data, and probably to store instructions.

[0072] In one or more embodiments, one or more software and / or firmware modules The system (from storage 225 or other sources) during the operation of the PSCI DPS200 It can be loaded into system memory 210. Specifically, in the illustrated embodiment, the system memory Mori 210 has firmware (F / W) 212 and basic input / output system (BIOS) 21 4. Multiple applications including an operating system (OS) 216 and an application 218. It has been shown that it has a common module internally. In addition, the system memory 210 is , including PSCI Utility 220. PSCI Utility 220 is an alternative implementation. In this state, as one of the applications 218, and / or firmware F / W2 Given as an executable component within OS216 or OS12 It may be done. Exemplary and original PSCI software and / or in system memory 210 The firmware module contains the corresponding program code for the PSCI DPS200. One or more processors (e.g., CPUs) 205 or secondary processing devices (specifically) within the processing layer. It provides various functions when executed by (not shown in).

[0073] In one or more embodiments, the I / O controller 230 controls one or more connected input devices. It supports connection via 232 and processing of signals from the input device, as an example. A microphone 234, a keyboard 236, and a pointing device 238 are shown. The pointing / touch device 238 is, for example, a mouse, touchpad or stand. It can be used as an illustration. As you can see, input devices are also a non-exclusive list, Features include a hardware button, 245 touchscreen, infrared (IR) sensor, fingerprint scanner, etc. It may include. In one or more embodiments, the I / O controller 230 is a display 244 and Connection to one or more connected output devices, including other output devices 248, and output signals It also supports data transfer. Display 244 is a touch input device that functions as a haptic input device. It may include screen 245. In one embodiment, PSCI DPS200 is a display Graphics players 244 and one or more processors 205 that are communicatively or physically coupled This also includes 246 fixed processing units (GPUs). GPU246 is handled by CPU205. A predetermined user interface (UI) provided during the execution of PSCI Utility 220 Controls the generation and presentation of ).

[0074] In addition, in one or more embodiments, the Universal Serial Bus (USB), Personal Computer Memory Card International Association (PCMIA) slot, optical reader, card reader , and / or high-definition multimedia interfaces (HDMI®) One or more device interfaces 240 may be associated with the PSCI DPS200. Example For example, using device interface 240, compact discs (CDs), digital discs Video discs (DVDs), flash drives, or flash memory cards It is possible to read data from the corresponding removable storage device (RSD) 242. It can be stored. In one or more embodiments, the device interface 240 Furthermore, general-purpose I2Cs such as System Management Bus (SMBus) and Interconnected Circuit (I2C) / O interface and peripheral interconnect (PCI) bus may be included. One or more implementations According to the description, the functional modules described herein as multiple aspects of this disclosure are computer It may be provided as a program product. Computer program products are computer-compatible. The system includes a removable storage device 242 as a read / storage medium, which contains one or more pads When executed by the lossr, one or more processors are instructed to refer to Figures 1 to 8. This includes, but is not limited to, the features and functions presented herein, and the various functions described herein. The program code to be installed is stored here.

[0075] In one or more embodiments, the PSCI DPS200 further includes a network interface Includes a Face Device (NID) 260. This includes, for example, both wired and wireless networks. It may include a work device. NID260 is PSCI DPS200 and / or PSCI Components within the DPS200 may be connected to other devices outside the PSCI DPS200. It may communicate with and / or interface with services and components. In this embodiment, the PSCI DPS200 is connected via a direct wired or wireless connection. One or more of these external devices may be directly connected via the NID260. In this embodiment, the PSCI DPS200 uses one or more communication protocols, The information server 275 and the cloud database 280 are accessed via the external network 270. Connects to specific external devices, services, and / or components such as one or more actual In this configuration, the PSCI DPS200 connects to an external network 270 via an external sensor. Connect to S290(a)~(n). Network 270 is as described here. Local area network, wide area network, personal area network It is often used as a connection to network 270 and / or network 270 and PSCI. The connection to the DPS200 is via a telecommunications network, cellular network. Wired or wireless (access) including work, satellite link networks, or combinations thereof. (via point 265) may be. For the purpose of explanation, network 270 is simple For the sake of simplification, it is shown as a single collective component. However, network 2 70 is a complex set that can exist within a wide-area network such as the internet. It is understood that, as with interconnections, this may include one or more direct connections to other devices. In one embodiment, the CSIST framework includes one or more domain names associated with it. As a website having [the necessary features], it is accessible via the internet (270).

[0076] As one aspect of the disclosure, the PSCI Utility 250 is designed to perform specific functions. It includes multiple functional modules that run on U205, and these functional modules are specific The data is used and / or generated, and that data is stored in Storage 225 and / or Cloud Information and / or data are stored in database 280. For example, stray For example, J225 includes transport data 252, cargo data 253, map 254, and logistics provider. This includes, but is not limited to, data provider data 255, equipment data 256, and underwriter data 257. It is shown to include PSCI database 251, which contains different data blocks that cannot be separated. Furthermore, cloud database 280 includes a copy of PSCI database 251. As shown. In one or more embodiments, PSCI data is located in storage 225. Both Database 251 and Cloud Database 280 use PSCI Utility 2. Stores related data used by 20 and provides a specific user interface (UI) - Sonar is performed, and data collected by one or more sensors 290 is provided, providing environmental, weather, and global information. Specific disputes, trends, dates, times, cultural events, mapping information and / or freight transport origins Other data that may affect freight transport along the source, destination, and / or transport route Provides the location of the truck and / or cargo on the displayed map. PSCI Access to database 251 and remote cloud DB280 is via network 270. It is provided via a connection through [the specified method].

[0077] In one or more embodiments, telecommunications and / or telematics devices S295 accesses PSCI DPS200 via network 270. The telecommunications device 295 is configured via network 270. A mobile phone suitable for receiving and / or transmitting data to and from the SCI DPS200. (Including "smartphones"), PDAs, laptop computers, Blackberr y, or any portable device such as other portable telematics devices This may be done. As disclosed herein, in one or more embodiments, the telematics device 140(a) to (n) are disclosed above with respect to telecommunications devices. This may include, but is not limited to, mobile devices such as GPS devices, and other ob To track the movement, behavior, state, and / or health of an object and / or entity, use R FID tags, sensor devices, accelerometer devices, or small wireless transceivers This may also include other devices associated with the object and / or entity. For example The data transmitted or received is transmitted to one or more sensor devices 29 disclosed herein. May include remote sensor data generated or transmitted by 0(a) to (n). One or more In this embodiment, the telecommunications and / or telematics device 295 The data received is stored in storage 225 and / or on the cloud database 280. The PSC is stored, for example, in storage 225 and / or in cloud database 280. I Database 251 contains application 218 and / or PSCI utility Accessible by one or more of T220. In one or more embodiments, telecommunications Communication and / or telematics device 295 is installed at a facility along the transport route or already It may be a fixed transmitting device located at the point of reference. For example, in one or more embodiments And one or more telecommunications and / or telematics devices 295 here One or more transport sensor devices 310(a) to (n) described herein generate and / or transmit Remote sensor data is transmitted via NFC, RFID, Narrowband IoT (NBIOT), 3G, 4 G, 5G, GSM, GPRS, WiFi, WiMax, CDMA, Satellite, ZigBee, and any other suitable wireless communication mode, but not limited to these. It can be configured to transmit using [a specific method / function].

[0078] In one or more embodiments, optionally, a combination with any of the embodiments described herein may be used. In addition, the exemplary and original computer-based PSCI system is environmental and / or transportation-related. It may be configured to include a network of 290. In one or more embodiments, one The above telecommunications and / or telematics device 295 has one or more sensors The remote sensor data generated by SA290 is sent to storage 2 via network 270. It is sent to 25 and / or the cloud database 280. In some embodiments, Additional hardware-based devices for Storage 225 and / or Cloud Database Connect to 280 and send remote sensor data to one or more processors 205 of DPS200. The data is processed through a process to calculate quality metrics from environmental and / or transportation data, and then... Quality metrics data is stored in storage 251, storage 225 and / or cloud storage. It can be stored in the PSCI database 251 within database 280. In an embodiment, one or more professionals present within an exemplary ingenious PSCI platform The function disclosed herein (for example, the function disclosed with reference to Figures 1 to 8) To execute this, the exemplary and original PSC described here resides in system memory 210. I. Execute a computer program. In one or more embodiments, multiple remote sensors The SA290 network is configured to operate in a distributed network environment and has appropriate data Data communication network 270 (e.g., the Internet, telecommunications network) Communication is conducted via a suitable combination of data communication networks, etc., and at least one One suitable data communication protocol (e.g., IPX / SPX, X.25, AX.25, Ap It uses pleTalk (registered trademark), TCP / IP (e.g., HTTP), etc. Note The embodiments described herein should, of course, be any appropriate hardware and / Alternatively, it may be implemented using a computing software language. In this regard, our company The person concerned may specify the type of computer hardware that may be used, and the computer program that may be used. Types of programming techniques (e.g., object-oriented programming), and those that can be used. Types of computer programming languages ​​(e.g., C++, Objective-C, S He is proficient in WiFi, Java, and JavaScript. The example above is, of course, This is an example, not an exhaustive one.

[0079] Figure 3A shows one or more transport sensor devices 310(a) to (n) according to one or more embodiments. A block diagram showing an exemplary transport sensor system 300, including one or more embodiments. In this case, one or more of the illustrated transport sensor devices 310(a) to (n) are one or more cargo Sensor device 320 and / or one or more sensor devices 330, and one or more processors 340 (e.g., signal processor, microprocessor) and one or more transmitters / receivers 35 Including 0. In one or more embodiments, one of the transport sensor devices 310(a) to (n) The above includes a power supply 360. In one or more embodiments, the illustrated cargo sensor device One or more of the 320s are primarily used in connection with the transport of goods, and / or the management of goods. Monitoring of environmental conditions that may affect the cargo during handling, processing, and / or transportation. This is intended. In one or more embodiments, one of the illustrated sensor devices 330 The above primarily involves handling and / or transporting goods during the management, handling and / or transportation of goods. It is intended for use in conjunction with monitoring human activities, including personnel being transported. In one or more embodiments, one or more of the cargo sensor devices 320 are directly attached to the cargo. In one or more embodiments, the cargo sensor device 320 is located at a certain distance from the cargo. A predetermined state is monitored. In one or more embodiments, the sensor device 330 One or more of these are mountable sensor devices and / or wearable sensor devices. It is directly attached to the shipper's personnel. In one or more embodiments, one of the sensor devices 330 The above involves monitoring a predetermined condition at a certain distance from the transported personnel.

[0080] The exemplary sensor unit of this disclosure may also include a control board (not shown). Allows communication exchange between one or more submodules and one or more microprocessors (207). It is configured and programmed to operate the sensor module. An exemplary sensor unit may also include a battery (not shown). The nit may also include data memory storage (208) (e.g., an SD card).

[0081] For example, in one or more embodiments, optionally, any embodiment disclosed herein. In combination with the above, one or more transport sensor devices 310(a) to (n) are environmental sensors or It can function as a sensor. For example, in one or more embodiments, optionally disclosed herein Combined with any of the embodiments, one or more transport sensor devices 310(a)~( n) refers to the external environment near the stored cargo, the cargo being prepared for transport, and the journey from the origin to the destination. The duties of cargo en route, cargo that has arrived at its destination, or cargo after it has been identified for transport. This includes, but is not limited to, the cargo at the time of the intention, any, which may affect a given transport of cargo. Monitoring the environment, cargo status, and / or data in real time or near real time. It may be any small sensor. For example, one or more cargo sensor devices 320 may be temperature Degree, pressure, climate, humidity, atmospheric pressure, pollution, automobile exhaust, color, oxygen level, pH, soot density Light, airborne particle density, airborne particle size, air pressure, gas, airborne particle shape, particulate matter Quality, odor, identity of airborne particles, volatile organic compounds (VOCs), hydrocarbons, polycyclic aromatic compounds Hydrocarbons (PAHs), carcinogens, toxins, electromagnetic energy (optical radiation, X-rays, gamma rays, Microwaves, terahertz radiation, ultraviolet rays, infrared rays, radio waves, etc.), EMF energy, atomic energy Energy (alpha particles, beta particles, gamma rays, etc.), gravity, optical properties (intensity, frequency, fu Licker, phase, etc.), ozone, carbon monoxide, greenhouse gases, CO2, nitrogen, ozone, oxyphosphate Chemicals, sulfides, air pollution, airborne foreign matter, biological particles (viruses, bacteria and toxins), Signatures from chemical weapons, wind, air turbulence, sound and acoustic energy (audible to humans and (Both inaudible and inaudible), ultrasonic energy, noise pollution, human voices, animal sounds, and sounds emitted from other people Disease, another person's breath and breath components, toxins from another person, bacteria and viruses from another person, another person These pheromones, industrial and transport noises, allergens, animal hair, pollen, and engine noises. Exhaust gases, steam and exhaust, fuel, signatures of mineral deposits or oil reservoirs, snow, rain, thermal energy, high Hot surface, hot gas, solar energy, hail, ice, acceleration, shock, vibration, traffic, gyroscope Scope data (e.g., direction), number of people near the cargo, and the cargo's activity throughout the day. The number of people encountered, the sounds of coughing and sneezing from people near the cargo, and the conversations of people near the cargo. Parameters including, but not limited to, the volume and pitch of the voice, or combinations thereof, This may include, but is not limited to, sensors that monitor in real time or near real time. It cannot be done. For example, one or more cargo sensor devices 320 can detect sunny, clear, partly cloudy, cloudy, Cloudy, rain, drizzle, sleet, snow, storm, humidity, moisture (e.g., instantaneous relative humidity, interval relative humidity) (absolute humidity), temperature (e.g., instantaneous temperature, temperature interval value), dew point (e.g., instantaneous dew point, dew point interval) (Value), atmospheric pressure and density (e.g., pressure adjusted to sea level, surface pressure, high altitude pressure, air density) ), wind (e.g., instantaneous wind speed, instantaneous wind direction, horizontal wind component, vertical wind component, interval wind speed, interval gusts, interval) Wind direction), clouds (e.g., cloud cover, ceiling height, cloud base), precipitation (e.g., cumulative precipitation, type of precipitation, precipitation) Probability, hail, supercooled liquid water, rainfall, snowfall, sleet), evaporation (e.g., accumulation evaporation), atmospheric stability Qualitative data (e.g., available convective potential energy (cape), rising index, thunderstorm probability) , frost (e.g., frost depth, soil frost, snow melting amount, new snow amount, snow depth, snow water equivalent, snow density, snowfall amount) (rate), radiation (for example, radiation directed towards instantaneous flux, i.e., clear-sky radiation, diffuse radiation, direct radiation) Radiation, global radiation, and radiation by stored energy, i.e., stored energy (direct, diffuse, global) Spherical radiation, clear-sky radiation, and other meteorological parameters (e.g., geopotential height, water vapor) Meteorological parameters, including but not limited to mixing ratio and layer thickness, are used in the rear This may include, but is not limited to, sensors that monitor in real time or near real time. do not have.

[0082] In one or more embodiments, one or more transport sensor devices 310(a) to (n) are sensor It can function as a sensor. For example, one or more transport sensor devices 310(a) to (n) are Delivered cargo, cargo being prepared for transport, cargo en route from the origin to the destination, destination Handling and management of goods upon arrival, or at any point after the goods for transport have been identified. One or more functions and parameters of personnel responsible for management or transportation in real time or near real time It can be any small sensor that monitors time. For example, one or more sensor devices The ICE330 monitors respiratory rate, blood flow, heart rate, pulse rate, heart rate signature, cardiopulmonary health, and organ health. Health, metabolism, electrolyte types and concentrations, physical activity, calorie intake, calorie metabolism, metabolic Mix, physical and psychological stress levels and stress level indicators, and mental health in relation to treatment Psychophysiological responses, drug dosage and activity (drug dosage measurement), drug reactions, drug chemistry in the body, biochemistry Studies, position and balance, physical tension, nerve function, brain activity, electroencephalogram (EEG), blood pressure, intracranial pressure, hydration Level, auscultation information, auscultation signals associated with pregnancy, response to infection, skin and deep body Temperature, eye muscle movement, blood volume, inhalation and exhalation volume, body movement, physical and chemical composition of exhaled breath, Wi The presence, identity and concentration of bacteria and other organisms, foreign bodies in the body, toxins in the body, heavy metals in the body, anxiety, life Reproductive capacity, ovulation, sex hormones, psychological mood, sleep patterns, hunger and thirst, types of hormones and concentration, cholesterol, lipids, blood panel, bone density, body fat density, muscle density, organs and Weight, reflex responses, sexual arousal, mental and physical alertness, drowsiness, auscultation information, and response to external stimuli. Reactions, swallowing volume, swallowing rate, illness, voice characteristics, tone, pitch and volume, vital signs, head tilt Allergic reactions, inflammatory reactions, autoimmune reactions, mutagenic reactions, DNA, proteins, blood Protein concentration in fluids, body hydration, blood water content, pheromones, internal body sounds, digestive system Function, cell regeneration response, healing response, stem cell regeneration response, etc., and any combination thereof Features and / or parameters that include, but are not limited to, real-time or near real-time. This may include, but is not limited to, sensors for monitoring vital signs. This may include pulse rate, respiratory rate, blood pressure, pulse signature, body temperature, water content, skin temperature, etc. For example In one or more embodiments, one or more transport sensor devices 310(a) to (n) are, Changes in the volume of an organ or body (usually due to fluctuations in the amount of blood or air contained within it). It may include a sensor that may include an impedance plethysmograph for measuring impedance. For example, The transport sensor devices 310(a)~(n) above operate in real time or near real time. One or more sensors, including an impedance plethysmograph for monitoring blood pressure. It may include a subdevice 330.

[0083] In one or more embodiments, one or more transport sensor devices 310(a) to (n) are, It is possible to measure and transmit sensor information in real time and / or over a set period of time. For example, one of the transport sensor devices 310(a) to (n) is used in one The above cargo sensor device 320 and / or one or more sensor devices 330 are the same as the above-mentioned machine It can be used to sense capabilities and / or parameters over time, when cargo is being transported. The environment in which the cargo is being transported, the condition of the cargo being transported, and one or more monitoring targets included in the transport personnel. This enables time-dependent analysis of an individual's health status and allows for comparisons between human health and the environment. In one or more embodiments, the transport sensor system 300 detects environmental stress and meat Combining proximity detection or position detection, which enables analysis to identify the location where physical tension occurs, It's fine to combine them.

[0084] Figure 3B shows, for example, a cargo sensor including one or more sensor modules 370(a) to (n). exemplary components used in one or more embodiments of device 320 and / or sensor 330 This is a block diagram of sensor devices 320 / 330. In one or more embodiments, exemplary... The transport sensor devices 310(a) to (n) also include one or more sensor modules 370( a)~(n) and the program to operate the sensor module 370(a)~(n) To enable data communication exchange between one or more RAM-controlled microprocessors 340 It may include a control board (not shown) configured as follows. Sensor modules 370(a)~(n ) can be a "hard" connection (like an electrical cable) or a "soft" connection (like a wireless connection). It may be connected to any of the following. For example, the Bluetooth® protocol By using this, one or more sensor modules 370(a)~(n) are connected simultaneously, and each module The module can be configured to communicate directly wirelessly with one or more other sensor modules. For example, a sensor module 370(a) used in one or more embodiments of this disclosure ~(n) or more are temperature measurement sensor modules (for example, Adafruit (New York) DHT11) by New York City, Washington, Humidity Measurement Sensor Module (e.g., Ada) DHT11) by fruit Inc. (New York City, New York), impact measurement sensor Joule, acceleration sensor module, gyroscope module, pneumatic sensor Submodule, air quality measurement sensor module (e.g., particulate matter monitoring, Adaf) MQ13), a magnetic sensor module by RUIT Inc. (New York City, New York). (For example, Texas Instruments' DRV5023 in Dallas, Texas) Digital-Switch Hall Effect Sensor), and / or Other appropriate sensors configured to measure the aforementioned environment and / or parameters and conditions. May include one or more submodules. One or more transport sensor devices 310(a) to (n) The embodiment also includes one or more of the sensor modules 370(a) to (n), and the sensor module One or more microprocessors programmed to operate code 370(a)~(n) Includes a control board (not shown) configured to enable communication exchange with the 340. It is possible. The exemplary transport sensor devices 310(a) to (n) of this disclosure are also, for example, buses. It may include a power supply 360 such as a Teri. An exemplary sensor unit of this disclosure is, for example, an SD card. Data storage devices such as a microSD card, microSD card, or other suitable storage device. May include rage (355).

[0085] In one or more embodiments, the sensor modules 370(a) to (n) are as shown in Figure 2. As explained above, preferably an audio such as Bluetooth® or ZigBee. In a Pun architecture configuration, portable telecommunications and / or telemarketing Wireless communication with one or more tics devices 295. Telecommunications and / or tech The lematics device 295 is a mobile phone (including "smartphones"), PDA, and Top-top computers, Blackberry, or other portable telemetric devices This may be any portable device such as a device. The telecommunications and / or telematics device 295 is located along the transport route. It may be a fixed transmitting device located at a facility or a known point. For example, a portable One or more telecommunications and / or telematics devices 295 and transportation One or more of the sensor devices 310(a) to (n) are sensor modules 370(a) to (n) Using this, remote measurement communication can be performed both from and to each other. A portable telecommunications and / or telematics device 295 is a transmitter The format of the wireless signal transmitted from receiver 350 to sensor module 370(a)~(n) Receiving sensor data from and via network 270 as described herein. The system is configured to transmit the wireless signal to the PSCI platform 100. You may do so.

[0086] One or more processors 340 receive data transmitted from one or more sensor devices 320, 330. Digital or analog signals can be transmitted wirelessly by the transmitter / receiver 350. It may include a signal processor that provides means for converting to a signal. The signal processor 340 may include, for example signal conditioners, amplifiers, filters, digital-analog and analog-digital Converters, digital encoders, modulators, mixers, multiplexers, transistors It may consist of various switches, a microprocessor, etc. In one or more embodiments, The signal processor 340 processes the signal received by the transmitter / receiver 350, and The above telecommunications and / or telematics devices 295 are transmitted to The signal is made to be heard or viewed by the user of the handheld device 295. The signal also contains protocol information that links various telemetric devices together. This protocol information can also be processed by the signal processor 340.

[0087] In one or more embodiments, an exemplary transport sensor device processes sensor data. To the extent possible, utilize one or more compression / decompression algorithms (CODECs) used in digital media. Includes a signal processor 340 used in one or more embodiments. Vice 310(a)~(n) is a transmitter / receiver that can be composed of various small electromagnetic transmitters. Includes 350. For example, a standard small antenna is standard Bluetooth® Used with Rotor, the sensor data generated by one or more sensors 320, 330 is collected by To transmit the above to the telecommunications and / or telematics device 295. This can be done. Using any type of electromagnetic antenna suitable for transmitting electromagnetic frequencies, The data is connected to one or more telecommunications and / or telematics devices 295. It can transmit. For example, the receiver 350 may also include a suitable antenna. In the above embodiment, the receiving antenna 350 and the transmitting antenna 350 are physically the same. In one or more embodiments, the transmitter / receiver 350 is, for example, non-line of sight (NLOS) It may be a light scattering transmission system. For example, a non-line-of-sight (NLOS) light scattering transmission system is To facilitate light scattering for transmitting and receiving sensor data, short-wave (blue or UV) light emission or This may utilize "solar blind" (deep UV) light emission. In one or more embodiments, Infrared wavelengths can also be used to transmit and receive sensor data.

[0088] In one or more embodiments, exemplary transport sensor devices 310(a) to (n) are one Sound waves or ultrasonic waves for transmitting the sensor data generated by the sensors 320 and 330 described above. Includes receiver / transmitter 350, including a transmitter. For example, receivers and transmitters for various sound waves and ultrasounds. The device is available on the market and can be used according to one or more embodiments of the present invention. For example, The receiver / transmitter 350 transmits audible conversational information to one or more telecommunications and / or telecommunications companies. It can communicate with the lematics device 295. In one or more embodiments, the transport sensor device The encoded telemetric conversation data received by the microphone used in the chair Transmitter 350 transmits one or more telecommunications and / or telematics devices The signal processing module 340 decodes the signal to generate an electrical signal to be transmitted to the S295. It can transform.

[0089] In one or more embodiments, optionally, a combination with any of the embodiments described herein may be used. In addition, one or more exports used within the exemplary ingenious computer-based systems of this disclosure The transmitting sensor devices 310(a) to (n) and / or sensor-related devices are transmitted wirelessly to any wireless network. It can be configured to transmit sensor data using the signal mode. The wireless communication mode is, for example, NFC, RFID, Narrowband IoT (NBIOT), 3G, 4G, 5G, GSM, GPR S, WiFi, WiMAX, CDMA, satellite, ZigBee, and other appropriate communication modes However, it is not limited to these. For example, in one or more embodiments, one or more transport centers Subdevices 310(a) to (n) utilize one of the appropriate communication modes disclosed herein. Includes a transmitter 350 configured to transmit sensor data. In this context, one or more transport sensor devices 310(a) to (n) are appropriate as disclosed herein. A telecommunications system configured to transmit sensor data using one of the communication modes. One or more mobile devices included in the group of telematics and / or telematics devices 295 It is configured to transmit sensor data to an electronic device. In these embodiments, Sensor data is transmitted via a suitable network such as network 270 to the PSCI platform. It is sent to form 100. In one or more embodiments, optionally, as described herein In any combination of the embodiments, the term "mobile electronic device" means, This may refer to any portable electronic device that may or may not have its tracking function enabled. For example, mobile electronic devices include mobile phones and personal digital assistants (PDAs). ), Blackberry (registered trademark), pager, smartphone, or any other This may include reasonable mobile electronic devices. For simplicity, the above variations are listed. Some may not be listed here, or may only be partially listed, but this is by no means This does not mean limitation. In one or more embodiments, freight transport allocation and / or one or more transport sensor devices 310 ( assigned to the cargo included in the cargo transport) The sensor data collected from a) to (n) is aggregated and transmitted to the auxiliary transmission device. Auxiliary transmitting devices include, for example, telecommunications and / or telematics devices. It is a mobile electronic device included in the S295 group, and is used in transportation (e.g., trucks). (Airplanes, ships, railway cars, trains, crates, packaging and other transport vehicles) nearby (for example, several Millimeters, centimeters, inches, feet, yards, or the sensor is intended (Within any appropriate distance that allows it to operate for the purpose of, or placed inside) In one or more embodiments, the auxiliary transmission device transmits the aggregated sensor data to satellites. Using the base data transmission network, to the PSCI platform 100, or P The SCI platform 100 is configured to send data to an accessible database. ru.

[0090] In one or more embodiments, one or more transport sensor devices 310(a) to (n) odor The transmitter / receiver 350 used is one or more processors 340 (for example, signal processors) Sensor data processed by (S340) is transmitted via network 270 to PSCI It is configured to transmit to the platform 100. In one or more embodiments, the sensor Data is collected from one or more transport sensor devices 310(a) to (n) via network 270. One or more telecommunications configured to transmit to the PSCI platform 100 via It is transmitted to a communication and / or telematics device. In one or more embodiments And, sensor data generated by one or more transport sensor devices 310(a)~(n) The data can be converted into an electrical signal and transmitted in real time. In one or more embodiments, Sensor data generated by one or more transport sensor devices is converted into electrical signals. It can be transmitted in near real time. In one or more embodiments, one or more transport sensor devices The sensor data generated by the 310(a)~(n) is converted into an electrical signal and transmitted. Depending on the type of sensor data being transmitted, it is sent at one or more predetermined time intervals. For example, the transmitter 350 will wait until a predetermined amount of processing time has elapsed until a predetermined amount of detection time has elapsed. Transmission may be delayed, such as until the time has passed. In some cases, the transmitter / receiver 350 In accordance with the information detected by sensors 320 and 330, the PSCI platform 10 It is configured to send a signal to 0.

[0091] In one or more embodiments, one exemplary transport sensor device 310(a) to (n) The above includes power supply 360. For example, power supply 360 is used in the transport sensor device 310 housing. It may be any portable power supply that can be fitted inside the g. In one or more embodiments, the power supply 360 is a portable rechargeable lithium polymer or zinc-air battery. One or more implementations In terms of form, the power supply 360 may be a portable energy recovery power supply, and transport center It may be integrated into the subdevice 310 and function as a primary or secondary power source. For example, a solar cell. The module integrates with the transport sensor device 310 to collect and store solar energy. They may be combined. In one or more embodiments, a piezoelectric device or a micro-electromechanical system (M The EMS may be integrated into the transport sensor device 310, and in the environment or by the user itself. Energy is collected from bodily motion, electromagnetic energy, and other forms of energy. It may be used for storage. In one or more embodiments, a thermoelectric or thermovoltaic device However, it may be used to supply a certain amount of electricity from thermal energy or a temperature gradient. In the embodiments described above, the crank or winding mechanism converts mechanical energy for electrical conversion It may be used for storage or to convert mechanical energy into electrical energy. Energy is immediately or later used in one or more transport sensor devices 310(a) It may be used to supply power to ~(n).

[0092] In one or more embodiments, one or more transport sensor devices 310(a) to (n) are capable of Visual, infrared, and ultraviolet light parameters (e.g., Adafruit Corporation (New York State) Optical parameters that may include at least one from the group consisting of TSL2561 (from York) It is configured to capture data. For example, transport sensor devices 310(a)~(n) One or more of these may include an optical detection module that includes a light sensor for detecting light levels or changes in light levels. May include infrared, visible light and / or ultraviolet light. Digital devices such as CCD or CMOS imagers that capture data related to optical images This may include, but is not limited to, image capture devices. For example, transport sensor devices. One or more of 310(a) to (n) are exemplary light sensors capable of generating an index of increased ambient light. It may include an optical detection module that may include a door that should not be opened. This could indicate opening A.

[0093] In one or more embodiments, optionally combined with one or more embodiments described herein. In addition, the terms "proximity detection," "location detection," "location data," "location information," and "location tracking" are used. "Here, any form of position tracking that can be used to give the position of a mobile electronic device. It is used for tracking technology or location tracking methods. Location tracking technology or location tracking methods include, for example, The user seems to be entering a city, town, municipality, postal code, area code, cross street, etc. By inputs not limited to these, or any other reasonable input for determining geographical areas, User-entered location information, Global Positioning System (GPS), and Bluetooth GPS accessed using th(registered trademark) and any reasonable form of wireless and / Or GPS accessed using non-wireless communication and the location of a Wi-Fi® server. Location data, Bluetooth®-based location data, and network base Triangulation, Wi-Fi (registered trademark) server information-based triangulation, Bluetooth ( (Registered Trademark) Server Information-Based Triangulation, Cell Identification-Based Triangulation, Extended Cell Identification-Based Triangulation Angular measurement, Uplink Time Difference of Arriva (U- TDOA) based triangulation, Time of Arrival (TOA) based triangulation It appears to be an Angle of Arriva (AOA) based triangulation, but these Unlimited triangulation, and methods based on longitude and latitude, geodetic elevation, and Cartesian coordinates. However, techniques and systems using geographic coordinate systems that are not limited to these, and long-range RFID This includes short-range RFID, but is not limited to these, and radio frequency identification, as well as active RFID. This includes passive RFID tags and battery-assisted passive RFID tags, but is not limited to these. The use of intentional RFID tags and any other reasonable method for locating their position These may seem like just one variation, but they are not the only ones. For simplicity, the above variations are listed below. Some may not be listed, or may only be partially enumerated, but this is by no means limited. That doesn't mean...

[0094] In one or more embodiments, one or more of the sensors 320, 330 are equipped with GPS technology. This includes sensors (e.g., GPS-equipped sensors). These sensors are used for transporting cargo and vehicles that carry the cargo. Track the location of one of the containers or transport devices that hold or support cargo for transport. It is configured to determine and / or store the data used to make and / or decisions. In one or more of these embodiments, the GPS sensor module is the sensor module 37 It is included in the group 0(a) to (n). In one or more embodiments, the GPS sensor module The route includes an antenna and a sensor. For example, the sensor is connected to the transport sensor device 310. It can operate autonomously in response to the application of operating power, and as a result, the sensor can see The signals from GPS satellites are digitally sampled, and this data is stored in 355 (for example) Sensor data, including satellite data, can be stored in a digital buffer. , transport vehicles for transporting cargo, containers for holding or supporting cargo for transport and / or transport This enables the determination of the global position and speed of transmission devices.

[0095] In one or more embodiments, one or more transport sensor devices 310(a) to (n) are located It may include a module. In these embodiments, the position module includes a wireless transceiver, This may include a Global Navigation Satellite System (GNSS) receiver, processor, and device memory. For example, the transmitter / receiver 350 is configured as a wireless transceiver and one or more processors 3 40 processes GNSS sample data to determine the location of cargo included in freight transport. It may be configured to do so. In one or more embodiments, one or more GPS sensor modules The position samples 370(a) to (n) use GNSS signals received from GNSS satellites. It can be obtained by doing so. In one or more embodiments, one or more of the position samples are, for example, one or more One or more GPS sensor modules 370(a)~ using the above base station or base station tower (n) can be obtained by, for example, one or more GPS sensor modules 370(a)~ The location sample (n) is obtained by triangulating the cellular data signal received from the base station. Therefore, it can be obtained. One or more location samples can also be obtained, for example, from a radio with a known location. One or more GPS sensor models that utilize wireless access points such as AccessPoint 265 This can be obtained by Joule 370(a)~(n). For example, one or more GPS sensor models The position samples of Joule 370(a)~(n) are obtained from one or more GPS sensor modules 37 Whenever one of 0(a) to (n) is in the vicinity of a wireless access point, the wireless access point It can be obtained by communicating with access points. For example, cargo included in freight transport. The location can be determined by using triangulation of signal samples, or by using a base station or tower (e.g.) For example, the signal strength depends on the proximity of the cargo included in the freight transport to the cellular signal transmission point. By utilizing the signal strength of the cellular signal given by (showing), it is established obtain.

[0096] In one or more embodiments, optionally, a combination of any of the embodiments described herein In this disclosure, the exemplary and original computer-based PSCI system described herein is hereby Transportation details, sensor data, and telematics data that may affect the disclosed freight transport. Real-time transport data, historical transport data, new trends, forecast data, and weather conditions. Data, traffic conditions, regional conflict dynamics, and / or other data (collectively referred to here as export data) A transport unit basis that utilizes one or more of the transport unit risk assessment (PSCRA) data. It can be configured to provide insurance contracts in S. In one or more embodiments, optionally, In any combination of embodiments described herein, the exemplary originality of the present disclosure The computer-based PSCI system is designed to provide insurance for the transport of goods to transportation and logistics providers. - Receiving requests from (for example, DHL, FedEx, UPS, USPS, etc.) and export Cargo transported by freight forwarding providers (e.g., DHL, FedEx, UPS, USPS, etc.) One or more databases (e.g., internal and / or external databases) are used to receive and process the transportation details. Accessing the database and applying the automated insurance suitability assessment rule engine. Determining whether the transport is suitable via and related collected data (e.g., weather) Information, traffic information, local conflict information, roads, waterways, rail and / or air routes used by cargo shippers (Information that may have an impact, stored sensor data, information that may affect delivery time, etc.) This involves conducting a risk analysis and, based on the processed information, making additional decisions regarding freight transport. It may be configured to approve, reject, or request information. In one or more embodiments The exemplary and original computer-based PSCI system described herein is one or more prototypes. Based on PSCRA data, perform real-time risk assessment according to col and metrics. It may be configured to give. In one or more embodiments of this disclosure, exemplary original compilation The computer-based PSCI system operates according to one or more protocols and metrics of PSCR. It can be configured to provide risk assessments in near real-time based on A data. For example, once the PSCI system uses the client software 104, When relevant transport information is received from the PSCI system user via device 102, One or more exemplary embodiments of the inventive computer-based PSCI system disclosed are related Process PSCRA data to determine the cargo for a specific transport request (i.e., on a transport unit basis). It is configured to provide a risk assessment (i.e., to calculate risk in a quantifiable form). In one or more embodiments, an exemplary and original computer-based PSCI of the present disclosure The system uses big data, AI, IoT and / or unsupervised machine learning to identify It can be configured to calculate the risk to transportation in real time. One or more embodiments In this disclosure, the exemplary ingenious computer-based PSCI system is a big day Using AI, IoT and / or unsupervised machine learning, we can identify risks associated with specific shipments. It can be configured to perform calculations in near real-time. In one or more embodiments of the present disclosure An exemplary, ingenious computer-based PSCI system is used for specific transportation based on risk analysis. We provide the cargo shipper with an insurance contract quote for their request in real time or near real time. It may be configured to give. For example, in one or more embodiments, the estimate given by the shipper If the transport client (e.g., the buyer of the transport service) agrees, once the transport client Ianto will pay for transportation services, including insurance contracts, provided by the PSCI system. In this case, responsibility for the cargo included in the freight transport is transferred to the transport insurance company. If the shipping company refuses to provide a freight transport insurance quote, the responsibility for the cargo remains with the transport client. ru.

[0097] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI system described in this disclosure determines whether or not to insure a particular shipment. In order to remove the human aspect, manual review process and / or post-acceptance process from the process, It may be configured to provide a pre-underwriting insurance contract. For example, if a cargo owner or carrier provides a logistics transport The shipping provider's website contains relevant shipping information (e.g., shipper name, shipping date, start / end locations). Enter the product type, estimated cargo price, means of transport, or type of insurance coverage requested. The delay between the time when the insurance quote for the cargo transport is provided (e.g., time) Since a manual underwriting process that could cause problems (such as days, weeks, etc.) is not required, manual underwriting is not necessary. Seth is removed from the decision and underwriting process performed by the PSCI software. For example, in one or more embodiments, the PSCI platform provides insurance for specific cargo. It gives you the decision to take out insurance, gives you an insurance quote, and provides premiums in real time or near real time. To give / or compensation.

[0098] In one or more embodiments, a logistics and transportation provider accesses the PSCI platform. It has an integrated, direct access solution. For example, the cargo owner and / or the goods. The transport provider provides a graphical user interface via a web browser. By pressing a button on the GUI, you can request insurance for the specific cargo being transported. For example, a freight owner and / or logistics provider can use a single system. (i.e., within the PSCI system) while requesting insurance for specific cargo transports. For example, a logistics provider can offer cargo owners an immediate insurance quote. It provides both the cost of transporting goods (for example, the cost of transporting goods from point A to point B) and insurance coverage. In contrast, a single payment solution can be provided. In one or more embodiments, The PSCI software uses transportation information to send transportation requests to the relevant logistics and transportation providers. Compare it to a predefined insurer risk rating associated with it. For example, PSCI Whether the software ensures that insurance claims for specific cargo shipments are within an acceptable risk level. The insurance company will make a real-time decision on whether or not to insure the cargo being transported in the manner specified in the transport information. To provide cargo insurance for goods. For example, in one or more embodiments, each logistics transport provider Dar has individual cargo insurance contracts accessible to the PSCI platform, and that insurance Insurance contracts include, for example, individual pricing, commodity price adjustment factors, and insurer risk ratings. In one or more embodiments, by utilizing individual contracts, the PSCI platform The system should provide insurance coverage using the PSCI software disclosed herein. The ability to automatically determine in real time or near real time whether to accept or reject. If possible, and if necessary, various dynamically changing risks (e.g., the cargo itself, the movement of the transport) Based on various risks associated with the transport route, cargo containers and / or restraints, etc. This allows for automatic adjustments to insurance quotes. For example, in one or more embodiments And, for individual insurance contracts for one or more specific cargo shipments, the PSCI platform All insurance quotes provided by M are pre-accepted, so each insurance contract request It does not require the traditional underwriting review process. PSCI software is one or more Whether the claim for insurance coverage for the freight transport falls within the risk level accepted by the insurer. This is determined immediately. In one or more embodiments, the PSCI platform also has By integrating with the above compliance and / or sanctions platform, each insurance It also provides direct compliance and sanctions checks against the contract. For example, Step 4 In 26, the transport details include one or more PSCI rule engines 404 and / or third-party engines. - Insurance contract compliance and / or sanctions platform (e.g., Comply It is sent to Advantage (www.complyadvantage) and to specific The cargo transport details are for one or more federal, state, local and / or regional entities (e.g., international, national, county, city, etc.). It will be determined whether or not it is consistent with the regulations and / or compliance rules.

[0099] In one or more embodiments, the collected data includes sensor data related to cargo transport. , stored in one or more databases (internal and / or external), i) predetermined relationships At least one alert (e.g., for the insured client, shipper, etc.) to the person(s) auditory alarms, visual alarms, etc., and ii) at least one visual indicator (for example, when measured) At least one graph (or similar) that tracks quality metrics based on intervals in real time over time. It is converted into one. For example, in one or more embodiments, temperature, humidity, shock, etc. are measured. Using one or more of the telematics devices 140 and / or sensors 290 configured in the manner described above This allows you to receive real-time information about cargo scheduled for transport. For example, The cargo container has one or more sensors 290 and telecommunications and / or tele The container is equipped with a matics device 295, which monitors the container's temperature, shock, humidity, and door condition. It measures and transmits that information in real time as the cargo moves somewhere in the world. Sensor 290 and telecommunications and / or telematics device 295 It can be configured to provide not only measurements about the container, but also its contents. In this embodiment, the computer-based PSCI system dynamically collects sensor data. , utilizing sensor information, and via the execution of PSCI software, in real time or near real time. Time-limited cargo insurance can be provided for each unit of transport. For example, logistics transport providers and Insurance providers will handle each computer device (e.g., server 130a-130) n) All contracts that utilize the PSCI platform (e.g., one or more data Access the database located in bases 170a-170n and / or 160a-160n. It is possible. In one or more embodiments, the PSCI platform is also authorized. The user allows real-time tracking of exposure risk for individual cargo shipments. , and / or the sensors disclosed herein as described with reference to step 416 of Figure 4C / or a telematics device and / or one or more devices for storing real-time transport data You can also use third-party databases to visualize trends in real time. Allowed. For example, insurance providers using the PSCI platform can use individual currency To visualize trends in cargo transport in real time, exposure risk is assessed in real time. They may track. This allows the insurance provider to track one or more insurance contracts and / or individual items. By reducing the risks associated with the transportation of goods, the risk of claims is reduced or... To increase the business risk of logistics providers and / or freight carriers The evaluation can be adjusted dynamically. For example, the PSCI platform can adjust individual settings or Based on factors, there are too many container shipments containing beef, and the destination is Baltimore. If it is determined that the origin is a European country with a port, an alarm, flag or other warning will be issued. As a result, the risk assessments for these and future transports, including similar transport characteristics, may fluctuate.

[0100] Figure 4A shows an exemplary PSCI platform 100 running according to one or more embodiments. This shows an exemplary block diagram representation of the original PSCI software platform 400. As presented here, PSCI Software Framework / Platform 4 00 (referred to here as PSCI Software Platform 400) is generally a software platform. Software and firmware components (e.g., PSCI software platform 40) This is a functional engine for communicating the modules that make up 0. This configuration consists of one or more On PSCI server devices 120a~120n (e.g., PSCI DPS200), Firmware 2 as one of the applications 218 and / or in an alternative embodiment PSCI user may be given as an executable component within 12 or O / S216 One or more processors running tility 220 (e.g., one or more PSCI server devices) Provided by one or more processors 105) present in S120a~120n, and one or more This implements specific functional aspects of the disclosure according to the embodiments of the computer-based PSCI system. One or more exemplary architectures of the Tem 400 are shown in Figures 4A to 4H and Figure 8. Disclosed in reference to: For example, in one or more embodiments, optionally, the information disclosed herein In combination with any of the embodiments, the PSCI software platform 400 is P SCI API401 (for example, one or more authorized user computer systems (for example) One or more logistics provider servers 130a~130n and / or user devices 10 Information is communicated with the exemplary PSCI platform 100 as given in 2a~102n) (Application programming interface used for exchange), PSCI Sculpting engine 402, PSCI user experience engine 403, PSCI rule engine Engine 404, PSCI Machine Learning Engine 405, PSCI Probability Scoring Engine 4 This includes 06 and neural network 407, which are shown in Figures 4B to 4E. This will be described below. In one or more embodiments, optionally, any of the disclosures herein. In combination with the embodiments, the PSCI software platform 400 is disclosed herein. To that end, the PSCI platform 100 and one or more logistics transportation providers Devices 130a to 130n and / or user devices 102a to 102n and / or one or more A dedicated application to facilitate information exchange between insurance company / underwriter servers 180a-180n. Alternatively, it may be configured as dedicated plug-in software.

[0101] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI software platform 400 is secure network 11 Connect to one or more databases 150a-150n, 251 via 0, 270 for communication. For example, in one or more embodiments, databases 150a to 150n, 251 One or more of the following are authorized users (e.g., insurance companies, underwriters, logistics and transportation providers, and It is configured to store information of the customer(s) of the logistics and transportation provider. In the embodiments described above, user information is demographic information for authorized users, The requirements presented to the user who is used to provide transportation insurance for the individual cargo transports listed above Information, transport information, information requests, and / or information corresponding to user interactions regarding responses. Or it may include other information presented to the user. For example, in one or more embodiments, - The information is provided by the insurance company for one or more individual cargo shipments via the PSCI platform. and / or each offer and / or acceptance and / or rejection of insurance provided by the underwriter, Insurance companies and / or insurance companies that have provided and / or accepted and / or refused the above individual cargo transports. Each estimate provided by the underwriter is disclosed, 1) for example, see Figures 5A to 5G. Each type of cargo included in the freight transport, and / or 2) see, for example, Figure 5H. Insurance coverage applies to each type of transport used to transport the cargo included in the specified freight transport. The price adjustment factors and / or risk probability values ​​for each commodity provided by the Company and / or underwriters, and / or related to the provision of insurance coverage, estimates, commodity price adjustment factors and / or risk probability values. It may include other information. For example, one or more of the above data may be collectively referred to as "user information". This can be referred to as "user data."

[0102] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, a PSCI software platform that runs exemplary, original PSCI software. Form 100 is used by remote clients (e.g., insurance companies, underwriters, logistics and transportation providers). Authorized customers, including but not limited to ders and / or logistics and transportation providers. Includes one or more dedicated front-end servers that manage network connections with users. In one or more embodiments, the front-end server is a client of different types. It provides various interfaces for interacting with the above. For example, a client can use When a web browser accesses the platform, one of the front-end servers... The web interface module within the front-end module included above is PS Grants client access to the CI platform. Similarly, the client has access to this PSCI AP made available by the PSCI platform for purposes such as When calling I401, the PSCI API interface is used for the PSCI platform. Provides client access to M100. In one or more embodiments, optionally, In combination with any of the embodiments described herein, an exemplary computer-based PSC The I Software Platform 400 is an integrated PSCI API 401 (for example). The PSCI Application Programming Interface (API) is a PSCI application. It may be configured to include (enabling the execution of the Relation module). API401 provides data (e.g., user information) to one or more PSCI server devices. It is configured to do so. In one or more embodiments, PSCI API401 is PSCI Return to authorized users of the platform to get insurance quotes and pricing (for example, insurance Fees, PSCI technology solutions pricing, and / or logistics and transportation provider revenue. Offer to participate in the financial results, etc., and / or to make other decisions (such as refusing insurance coverage). One or more. In this embodiment, the PSCI API401 is connected to one or more user devices and / or A computer system (for example, one or more insurance company / underwriter servers 180a~180n) Provide the insurance provider to use. This will give access to the PSCI Platform 100. Information (for example, information related to the pre-acceptance process disclosed herein) The insurance contract information provided herein, and other information necessary to perform the functions disclosed herein) and Provide requested information (for example, information on insurance and contracts disclosed herein).

[0103] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI Risk Management and Modeling Engine 402 is subject to the risks disclosed herein. Using one or more modeling methods and / or tools, the risks specific to individual freight transport are identified. It is configured to automatically calculate the sex. In one or more embodiments, optionally, hereby Combined with any of the disclosed embodiments, the PSCI software platform An exemplary, original PSCI software platform 400 running on 100 includes The PSCI risk management and modeling engine 402 is based on the PSCI database 15 It automatically accesses one or more of the numbers 0a to 150n and 251 to compile user information. Compare the numerous data points included in the data and use those data points to determine insurance The system is configured to select a fee and provide it to the shipper via PSCI API401. For example, in one or more embodiments, data points used in the comparison process For example, cargo details (e.g., shipper's identification, origin address of transport, destination address of transport, etc.) The route, the route segments included in the transport route, and the transport of cargo included in the cargo transport between each route segment. The modes of transport used to achieve this (e.g., road, air, water, rail, etc.), and the areas where these transport routes intersect. The rational domain, the type of container used to transport goods included in freight transport, the cargo Product type, special requirements (e.g., refrigerated, fresh food, temperature requirements, environmental requirements, light requirements, container) (Kissing requirements, etc.), constraints, identification of logistics and transportation providers, time required to transport the cargo, etc. , potential risks associated with the transport of goods and / or goods, insurance company for the transport of goods Or PSCI Platform 100 (e.g., insurance industry) approved in advance by the underwriter. Available reserves granted by one or more authorized users (of the company and / or underwriter) This includes data on insurance contracts and the premiums associated with each available contract. However, this is not limited to these. In one or more embodiments, real-time transport data (for example) (and / or historical transport) data disclosed with reference to step 416 described herein. The data (for example, the data disclosed with reference to step 418 described herein) In addition to the user data described above, the user information is compiled and the user information includes By comparing numerous data points and selecting insurance premiums based on those data points, can.

[0104] For example, in one or more embodiments, optionally, any embodiment disclosed herein. In combination with this, each logistics and transportation provider can contract individual cargo contracts with one or more PSCI systems. Stored in the database, each cargo contract is used as a data point for comparison processing. This includes information that may be used by the SCI risk management and modeling engine 402. In the above embodiment, PSCI includes other third-party insurance companies and / or underwriters. Additional authorized users of the platform will receive exemplary cargo insurance contracts for individual cargo shipments. Stored in one or more PSCI system databases, each third-party cargo insurance contract is PSCI risk management and modeling engine as data points for comparative processing functionality This includes information that may be used by 402. For example, information included in a cargo insurance contract is individually This includes, but is not limited to, pricing, commodity price adjustment factors, and insurer risk ratings. No. For example, in one or more embodiments, a PSCI risk management and modeling engine 402 uses data points collected through cargo insurance contracts to identify cargo shipments. This is compared with data points collected from user information and / or transportation information, and the comparison is made. Based on the process, an insurance contract estimate is provided to the shipper (e.g., a logistics and transportation provider). For example, in one or more embodiments, the PSCI risk management and modeling engine 4 02 is, for example, the type of insurable cargo (disclosed with reference to Figures 5A to 5G). (Specific types of goods), the transport methods used to transport goods included in freight transport The type (specific transport type disclosed, for example, with reference to Figure 5H), and the insurance premiums borne by the cargo ( In other words, the commodity price adjustment factors and / or risk probability values ​​(detailed below), insurance company / underwriter Areas associated with individual cargo shipments that the carrier does not cover or excludes from insurance coverage, and / or compare the maximum coverage that insurance companies / underwriters provide for specific cargo shipments. i. For example, in one or more embodiments, once PSCI risk management and modeling are performed Engine 402 stores data points containing transportation information and / or other information relating to identified individual cargoes. Compared to the information, the PSCI risk management and modeling engine provides real-time ( Or give a compensation decision (for example, accept an insurance coverage option, insurance) in near real time. If you refuse the compensation option and / or request further information from the shipper / logistics provider, If requested and accepted, the data will be transmitted via PSCI API401 in real time or nearly real time. Provides shippers with insurance quotes in real time.

[0105] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI risk management and modeling engine 402 provides real-time or near real-time data. Real-time compensation decisions and real-time adjustments to insurance quotes based on various risks. Alternatively, it can be configured to provide data in near real-time. For example, PSCI risk management and moderation. The ring engine 402 processes real-time sensor data and other real-time transport data. This includes real-time transportation data (disclosed with reference to step 416 described later). It is configured in such a way that insurance providers can provide insurance quotes for individual freight shipments. Dynamically modifying the forest in real time or near real time to explain new risks. This allows for real-time monitoring of predetermined trends that could affect the risks associated with individual cargo shipments. To achieve both awareness and detection, exposure risk can be tracked in real time. For example, compiling and processing real-time sensor data and other real-time transport data. By doing so, insurance providers can reduce risk (for example, individual freight transport) Various types of cargo included and / or included in the details of transportation related to individual cargo transport (to demand high insurance premiums from them), or in order to increase business (for example, individual currency Various types of transport details included in and / or associated with individual freight transport (Reduction of insurance premiums for Ip cargo), associated with insurance contracts for individual transport cargo The risk level (e.g., risk bracket) can be dynamically adjusted. In the implementation configuration, the PSCI risk management and modeling engine 402 uses dynamic insurance pricing. Based on a fixed model, provide the shipper (e.g., logistics carrier) with an insurance contract estimate. For example, there are far too many container shipments containing beef that originate in Europe and go to Maryland. If the destination port is Baltimore, these data points are used for PSCI risk management and The modeling engine 402 utilizes the insurer for identified individual transports. Insurance premiums, or specified product types of goods included in individual shipments (e.g., Figures 5A to 5G) Contracts relating to "meat and offal of edible meat" may require dynamic adjustments. The flag can be triggered based on individual settings.

[0106] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI UX (User Experience) engine 403, Exemplary PSCI platform 100 and user computer system and internal network Authorization and verification games between networks (e.g., intranet or other internal networks) Configured to function as a toway. In one or more embodiments, PSCI user The experience engine 403, via the PSCI API 401, can access, for example, an employer's intranet. via the 100 or other suitable network to the exemplary PSCI platform 100 Authorize and verify users accessing the site (e.g., insurance providers, underwriters, etc.). In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI User Experience Engine 403 includes an interface module and identity verification. This may include modules and access management modules. For example, in one or more embodiments, These modules provide access to the exemplary PSCI platform 100 and / or It provides users with user control (e.g., data access), security / authentication and And grant permission.

[0107] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the insurance risk model generated by the PSCI risk modeling engine 402 is, for example, If so, without limitation, at least one of the PSCI machine learning engine 405 uses Machine learning techniques are used with data collected and / or compiled regarding the transportation of cargo. The routes used to transport goods included in freight transport, and / or the routes used to transport goods. By applying this to individual transportation and logistics providers that contract with shippers for transportation, It can be trained continuously. In one or more embodiments, optionally, any of the herein disclosed In combination with that embodiment, exemplary neural networks used by neural network 407 A neural network technique may be used. PSCI machine learning engine 405 and neural Network 407 is described here in detail with reference to Figures 4B and 4C. For example, In the above embodiment, the PSCI machine learning engine 405 is an exemplary neural network Includes workpiece 407. In one or more other embodiments, exemplary neural network 4 Unit 07 is connected to the PSCI machine learning engine 405 in a communicative manner.

[0108] Figure 4B shows how one or more embodiments of the PSCI system collect and compile data. Using the extracted data, the PSCI software is executed in real time or at a later date. The diagram illustrates how insurance contracts are provided on a per-transportation basis in real time. —This is a chart. In step 408, the client user uses user device 1 Using 02, the client can select a destination from the geographical location of the origin (e.g., departure / pickup address). Enter the shipping information for the goods you wish to transport to a specific geographical location (e.g., the delivery address). In one or more embodiments, one or more user devices 102a to 102n are used. Software referred to as Iant or client software 104a-104n It consists of wearables. These allow users to send messages over the network. Trust, view the list of content items and interact with them while the network is running. For example, via the internet) to a logistics and transportation provider system (e.g., server 130a It is possible to access one or more of (~130n). Vices 102a~102n are used with the client or with client software 10 They are configured as 4a~104n. These are configured for use on a network (e.g., internet) during operation. (via the PSCI platform provider system (e.g., Server 120a) It is possible to access one or more of (~120n). In these embodiments, the PSCI platform Form provider systems are logistics and transportation provider systems (e.g., backend systems). It can communicate and interact with computer systems. This allows users The data provided will be sent to the logistics provider and / or the logistics provider will receive data. A message is sent to the user, and the user sends and receives messages over the network, and content In this embodiment, the user device can view and interact with a list of items. Using S102, for example, information including transportation information about the transport of goods can be sent to the logistics transport platform. Robider system (for example, within the computer system of a specified logistics and transportation provider) It can send to one or more related servers (130a to 130n) included in the set. In one embodiment, for example, a client on one or more user devices 102a to 102n HTML (high-resolution) is rendered by a web browser or web browser. A document (in a pertext markup language) or may include such documents. One or more embodiments In this case, for example, a client on one or more user devices 102a to 102n is J AvaScript code or Java code, or potentially containing both. One or more In one embodiment, for example, a client on one or more user devices 102a to 102n The solution involves specialized software, such as, for example, a logistics and transportation provider system (e.g., a server). Installed apps or in-apps designed to work with 130a~130n A installed application, or one that may include such applications. For example, a client on one or more user devices 102a~102n short Messaging service (SMS) interface, instant messaging interface Face-to-face, email-based, or API-based interface and / or may include these.

[0109] In one or more embodiments, a user device and a logistics transportation provider system (for example) The web browser located on servers 130a to 130n is for users transporting cargo. This diagram illustrates the initial steps for constructing a graphics array in response to initial user input directed towards a specific intention. In one or more embodiments, for example, the logistics transportation provider system is different in type Provides various graphical user interfaces for interacting with the client. Includes one or more servers 130a-130n. These interfaces are for specific logistics Users can enter shipping information for goods being transported using a shipping provider. It can be operated to provide the user with available data fields. Transportation information is supported In order to determine the timing schedule and charges of each shipping company, the source postal service Number, destination zip code, cargo weight, cargo type, estimated cargo value, preferred delivery time, preferred pickup date Desired time, departure address and / or destination address, and / or desired type of cargo insurance. This may include, but is not limited to, one or more items necessary to complete a shipping order. Minimum transportation information is at least the timing required for the logistics provider to fulfill the transportation request. It may include sufficient information to determine the schedule and fees. For example, transportation information Also, guaranteed delivery time and / or specific mode of transport (e.g., road, air, sea, rail, etc.) , specific cargo containers (e.g., appropriate lighting or darkness, refrigeration, appropriate temperature range, appropriate humidity) Additional special instructions, such as containers with a suitable impact range, etc., as requested by the user. This may also include the case where that happens.

[0110] In one or more embodiments of step 409, the logistics provider is a customer (shipper) The transportation information is received, and the transportation contract is, for example, on the backend server of the logistics transportation provider. It is generated using one of (for example, one or more server devices 130).

[0111] For example, in one or more embodiments, in step 410, the logistics transportation provider The contract gateway system is used to verify the transportation contract and the transportation information contained in the transportation contract. This is verified. For example, in one or more embodiments, in step 410, a valid transport request is verified. If the minimum necessary transportation information is not provided to the logistics provider, In addition, the logistics transportation provider system prompts the user to enter further transportation information. Display a message. For example, in one or more embodiments disclosed with reference to Figure 1 The user device 102, which allows the user to enter transportation information, displays the following: The graphical user interface (GUI) provides the information necessary to complete the transport request. For example, to provide all of the following information (origin address, shipping address, type of cargo, payment information, etc.) The browser may display one or more graphic arrays. In one or more embodiments, The graphical user interface (GUI) displayed on user device 102 is An error message is displayed to the user indicating that sufficient transport information was provided, and / or the user Additional information can be prompted. In one or more embodiments, a GUI and related to the GUI. All display data that can be attached is from client 104 on user device 102. This is processed by the web browser.

[0112] In one or more embodiments, step 410 may involve other actions necessary to complete the transport request. All functions and processes, namely the PSCI software platform, are used in logistics and transportation. Transporting cargo included in freight transport without providing the provider with a PSCI insurance contract. To complete the necessary steps to engage in a contract with the user, delivery service One or more servers 130 host the service UI and / or delivery service backend functionality. This is carried out by one or more logistics and transportation provider systems, including a~130n. For example, The additional information and processes required to complete and book a transportation request include payment processing, and Thai This may include providing one or more notifications for tracking, shipping, payment, and / or delivery confirmation. However, it is not limited to these. For example, in one or more embodiments, in step 430, The shipping provider contract stipulates that one or more details / characteristics included in the shipping information provided by the user are: It has been determined that this falls under a category that prevents the logistics provider from fulfilling the terms of the transportation contract. In cases where (for example, if the type of cargo included in the freight transport includes hazardous materials, The type of cargo included in the transport is perishable, and the transport logistics provider meets the refrigeration requirements. If it is not possible, if the requested delivery time cannot be met, the freight transport will be If prohibited by the above federal, state, local and / or regional compliance regulations (e.g., a rejection message (e.g., table) indicating that the customer's transportation request has been rejected.) In one or more embodiments, (indicators, warnings, messages, user errors, etc.) are automatically sent. Then, in step 432, the transportation information received by the user and the transportation contract requested by the user are used. The reason for rejection was sent to the exemplary PSCI platform 100, and the exemplary originality An exemplary and ingenious PSCI platform running the PSCI Software Platform 400 Form 100 can access one or more databases (for example, database 150, Stored in 251) and utilized by the PSCI machine learning engine 405, which is detailed here. The dynamic pricing model generated by the PSCI risk modeling engine 402 has been improved. It will be done.

[0113] For example, in one or more embodiments, step 440 is a logistics transportation provider contract. The details / characteristics included in the transportation information were determined to be sufficient to fulfill the transportation contract. In this case, the user will receive an approval message indicating that the customer's transportation request has been accepted (for example). (Displays, warnings, messages, user errors, etc.) are sent automatically.

[0114] In one or more embodiments, in step 442, the logistics transport provider performs the PSCI procedure. Request a shipping unit insurance (PSCI) contract through the platform. For example, In the embodiment described above, the user requests a PSCI insurance contract at the time of booking in step 408. In one or more other embodiments, a logistics transport process approves the transport request in step 440. In response to the vendor contract gateway, the logistics transport provider booking system will respond to the request or Offer PSCI insurance for cargo transport to users who may refuse it. One or more implementations In this form, the logistics provider transports the user to the delivery destination (e.g., the delivery address). To provide compensation for the transportation of goods that have been contracted with a logistics and transportation provider for delivery. A PSCI insurance policy that operates in real time may be offered to the customer. In one or more embodiments, real time PSCI software configured to provide insurance quotes for individual shipments of cargo. The server is on a logistics and transportation provider system (e.g., one or more servers 130a-130n). It exists in one or more embodiments. In one or more embodiments, the PSCI software is the PSCI platform It exists on Form 100 and is a logistics transportation provider system (e.g., one or more related servers 1 PSCI API via network 110 hosted by 30a~130n Access is possible using 401.

[0115] In one or more access points, transporting cargo included in freight transport without a PSCI insurance contract In creating a transportation contract for the purpose of obtaining additional transportation information not provided by the user, PSC The PSCI platform runs on the I software platform, They may be asked to provide a PSCI insurance quote. For example, transportation information is logistics transportation via a provider computer system (e.g., one or more related servers 130a-130n) This may be provided to the PSCI software platform. For example, additional transport information This refers to a planned transport of goods from a geographical location of origin to a geographical location of destination. Geographic mapping information for each part (i.e., section) of the transmission route, and information used in each part of the route. Types of containers, and types of restraints used to secure cargo at various points along the transport route. , the total weight of the cargo (for example, any amount used to support / accommodate the cargo in a shipping container) Platforms used to support packaging and cargo, and cargo within shipping containers. (Weight including the container used to contain the cargo), center of gravity of the cargo, type of cargo (perishable) (e.g., type of fresh cargo), and the transport containers used to transport the cargo at each part of the route. Type of transport, mode of transport (e.g., road, tractor trailer, rail, waterway (e.g., sea) (including oceans, rivers, canals, lakes, inlets, etc.) In order to transport cargo along each part of the said route Information regarding the type of vehicle used (year of manufacture, model), customs and border regulations, and transportation. Timing information (for example, the total time from cargo collection to delivery, the time required for each part of the route) In between, weight information regarding shipping containers used to transport cargo (e.g., shipping containers Route information including the pre-loaded weight, the load weight of the transport container, and the rated weight of the transport container. This may include, but is not limited to, these.

[0116] In step 442, for example, transportation information provided by the user via the user device 102. At least a portion of and / or a logistics transportation provider system (e.g., one or more servers) Information including at least a portion of the information generated / provided by 130a~130n) is an example. An example of P used to run an innovative PSCI software platform An example PSCI platform including one or more processors present in SCI platform 100 Send to Form 100 to determine whether the cargo shipment will be approved / rejected for insurance coverage. This is determined. In one or more embodiments, the freight transport is approved / denied for insurance coverage. PSCI software for determining whether or not to do so, and by extension, PSCI software (process The processor for executing the logic layer is the server in the PSCI platform 100. It exists in one or more of 120a to 120n. In one or more other embodiments, cargo transport is maintained PSCI software for determining whether to approve / deny insurance is relevant Logistics and transportation provider computer systems (e.g., one or more servers 130a-130n) ) exists in one or more embodiments. In one or more embodiments, the PSCI system 100 is a distributed system Yes, certain parts of the functions performed by the PSCI software are logistics transportation provider systems One or more processors on a server (for example, one or more servers 130a to 130n) are executing A predetermined portion of the functions performed by the PSCI software is performed on the PSCI platform 100. This is executed by one or more processors present in servers 120a to 120n.

[0117] Step 444 presents exemplary ingenious software for identified individual cargo transport. Through an exemplary, original PSCI platform 100 that runs on platform 400 Transportation information required to claim insurance (for example, via user device 102) Shipping information provided by the user and / or generated and / or provided by the logistics and transportation provider system (including at least a portion of the transportation information) and / or including at least a portion of the other information The shipping details, for example, determine whether the cargo shipment is approved or rejected for insurance coverage. If approved, we will provide insurance quotes in real time or near real time. A PSCI processing layer that provides one or more of the functions described here (for example, an exemplary original software) (by one or more software components included in the 400 platform) Received. Exemplary P running Exemplary Innovative Software Platform 400 The functions performed by the SCI platform 100 are described below with reference to Figure 4C.

[0118] Figure 4C shows the PSCI software referenced as the PSCI contract gateway in Figure 4B. A flowchart disclosing an illustrative example of one or more embodiments of the wear platform 400. This means that insurance quotes for individual cargo shipments are available in real time or nearly real time. This can be used to provide time to logistics providers' shipping customers (e.g., shippers). In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the exemplary PSCI computer-based platform is different types of One or more interfaces and / or gateways for interacting with the rant, for example If a PSCI gateway is provided, one or more servers (e.g., PSCI platform servers) Includes (120a~120n). For example, in one or more embodiments, the user device A web browser on 102 accesses the exemplary PSCI platform 100. When using the web interface on the user device or client software, The face module provides client access to the PSCI gateway. In this embodiment, the logistics transportation provider system client uses PSCI API4 When calling 01, the PSCI software platform 400 uses the PSCI API By being made available via 401, authorized users (e.g., logistics and transportation providers) IDA) utilizes an exemplary PSCI platform for individual cargo transport. Receive insurance quotes in real time or near real time from one or more insurance companies and / or The underwriter can provide the customer (e.g., the shipper) with an insurance contract.

[0119] In step 411, in one or more embodiments disclosed herein with reference to Figure 4C, Logistics and transportation provider computer systems are used to identify individual cargo insurance policies. To determine whether the request for cargo insurance coverage is accepted or rejected, the PSCI software program... Transportation required for the exemplary PSCI platform 100 running on platform 400 The necessary information, including at least a portion of the information (i.e., shipping details), is available on PSCI API40. In one or more embodiments, whether the request for cargo insurance is approved or rejected. To make a decision, PSCI Platform 100 is the PSCI Software Platform If you execute 400 and the necessary information is not received by PSCI API 401, then PS CI API401 is an indicator that a lot of information is needed (e.g., message (pages, error messages, warnings, etc.) are sent to authorized users (e.g., logistics and transportation providers). (and other authorized users) may be given. For example, if an insurance claim is submitted to the PSCI platform The information required to be sent to the PSCI API401 is the requested insurance information. Type, amount of insurance coverage requested, start and end dates of insurance coverage, type of cargo, cargo A carrier used to transport goods, and / or a transport company used to transport goods. It may depend on one or more factors, including but not limited to roads. For example, one or more embodiments. In this context, PSCI API401 is used when an insurance claim is sent to the PSCI platform. To ensure this is done, at least the following information is required: 1) origin / pickup address, 2) purpose 1) Delivery address, 2) Shipper's identity, 3) Type of cargo, 4) Estimated value of cargo, 5) Cargo type In one or more other embodiments, 7) the identity of the logistics and transportation provider is required. To ensure that insurance claims are sent to the PSCI platform, use the PSCI API 40. The information required for 1 may be less or more than the above factors, depending on the factors mentioned above.

[0120] In step 412, the PSCI API 401 receives at least a portion of the transport information n If it is determined that the necessary information (i.e., shipping details) is available, the shipping details will be sent to the PSC. I. An exemplary PSCI platform 1 running software platform 400. It is transmitted to 00 via secure networks 110, 270. For example, one or more actual In the implementation, it may be optionally combined with any of the embodiments disclosed herein. Each time the shipping details are received, the PSCI software platform 400 will determine how many Among the various functions, in particular, 1) granting permission for users to access the PSCI platform 1) Analysis of user identity, authentication, and / or security to determine whether or not to proceed. Whether the designated transport complies with one or more federal, state, and local regulations and compliance rules. Compliance analysis to determine, 3) Approval of one or more individual cargo transport insurance coverage requests. / A decision regarding whether to reject, and / or 4) an insurance coverage estimate, to give one or more of these. Transportation details are used. In one or more embodiments, compliance analysis is required. do not have.

[0121] For example, in one or more embodiments, the system present on the PSCI platform 100 One or more of the 120a to 120n versions are installed and running on one or more of the servers in question. A certain number of different services implemented by the PSCI Software Platform 400 The service is executed by PSCI Platform Software 400. The engine that utilizes the software (e.g., software modules and / or controllers) It is described to be performed by a Ponder. For example, in one or more other embodiments For example, in a logistics transportation provider system (for example, one or more logistics transportation provider systems (to servers 130a~130n) and / or PSCI platform 100 (e.g., servers) A specific server located in 120a-120n) performs one or a few specific services. Often used as a dedicated tool for a specific service, a component of software modules required for that particular service. You may install only the components. For example, some modules are generally logistics. One or more present in the transportation provider system and / or PSCI platform 100 It may be installed on a non-special purpose server. For example, the software for each module is It can be implemented in any convenient format, and parts of the module may be distributed across multiple computers. The operation of the modules is performed by multiple pieces of software that work together to operate. This may be done by a computer. In some implementations, the operation of the module is one The part is performed by special-purpose hardware. For example, in one or more embodiments, P The SCI software platform 400 is generally, for example, PSCI Utility 2. The software present in 20, and / or present in one or more servers 120a to 120n Software and / or provided by the processor execution of application 210. A firmware configuration that implements certain functional aspects of this disclosure according to one or more embodiments. In one or more other embodiments, the PSCI software platform 400 is Generally, on one or more servers 130a to 130n present in the logistics transportation provider system The software and / or PSCI software is provided by executing the PSCI software on the processor. Alternatively, a firmware configuration that, according to one or more embodiments, provides for specific functional aspects of this disclosure. Implement it.

[0122] For example, in one or more embodiments, step 414 involves PSCI risk modeling. Engine 402 receives transport details via PSCI API 401. For example, In the above embodiments, optionally, in combination with any of the embodiments described herein. The PSCI risk modeling engine 402 identifies the specific requirements for insurance coverage for planned cargo transport. Regarding the request, the type of cargo product of the specific cargo included in the freight transport, the specific cargo included in the freight transport Estimated value, required insurance value for specific cargo included in the freight transport, shipping date of specific cargo transport (estimated and In practice, the transportation routes for specific cargo transport and one or more possible exceptions to said transportation routes, This includes refrigeration needs / requirements (reefer insurance needs), handling specifications, waypoints, etc. To determine transportation methods other than those listed above and possible exceptions to such transportation methods, the transportation details will be determined. Use it.

[0123] In step 424, the user accesses the exemplary PSCI platform 100. The user experience and interactions are managed by the PSCI User Experience Engine 403. For example, In one or more embodiments, optionally, it may be combined with any of the embodiments described herein. Furthermore, the PSCI platform supports the user's system (for example, one or more servers 130a Logistics and transportation provider code including one or more user devices 102a~102n ~130n It functions as a gateway between the computer system and the PSCI platform. The PSCI user experience engine 403 can be used in such a way. For example, in one or more embodiments And, optionally, in combination with any of the embodiments described herein, PSCI users The Experience Engine 403 authenticates the user's identity for each user of the PSCI platform. And / or provide a unique access token for verification. For example, in step 424 In this case, this unique access token is used in the query parameters (e.g., / api / en dpoint?access_token=2df0e411-b4b1-4aa0-8 A user accessing the PSCI platform as dff-51b10d13b0e4 All requests from the user can be received by the user experience module. For example. In step 424, if the user's identity and / or authentication cannot be verified, the user Access to the PSCI platform is denied, and in one or more embodiments, an error occurs. One or more of the message, rejection message, and / or warning are received on the secure network 110 It is sent to the user via 270.

[0124] In one or more embodiments, optionally, a combination with any of the embodiments described herein may be used. In addition, the PSCI user experience engine 403 used in step 424 is an interface This includes one or more of the following modules: an ID module, an identity verification module, and an access management module. These modules work together to provide user control (e.g., data access definition) and security. To grant authentication and authorization. For example, an interface module is a PSCI platform It provides a gateway for communication between the form and the user computer system. Communication is a network, for example, a user accessing the PSCI platform. Established via the employer's intranet or network 110, 270, which enables The interface module allows the user to access the PSCI platform. Provides a possible user interface (e.g., one or more GUIs). For example, a specific object Specific access rights can be granted to the logistics provider. In other words, access is , provide insurance quotes for the individual freight transport and / or other functions disclosed herein. It can be limited to the data that will be used.

[0125] In one or more embodiments, optionally, a combination with any of the embodiments described herein may be used. In addition, the interface module configures and / or selects one or more sign-on authentication credentials. The user may be given the ability to make selections via an interface module. For example, the user may make selections via an interface module. The user can select and / or modify the username, password, etc. in one or more embodiments. In this context, optionally, in combination with any of the embodiments described herein, the interface The module can use biometric authentication to establish the user's identity. In one or more embodiments, the interface module collects biometric data (e.g., network data). (Used to learn, train, or collect membrane scan information, iris scans, fingerprints, facial recognition, etc.) It is possible.

[0126] In one or more embodiments, optionally, a combination with any of the embodiments described herein may be used. Additionally, the identity verification module can be used to verify the user. For example, the user Authentication for this involves verifying the identity of the specific user accessing the PSCI platform and / or This can be specific to permissions. For example, a user can use the PSCI platform to perform certain actions. Data and / or user data from the past (e.g., past hours, days, weeks, months, years and / or) Alternatively, they may be granted the ability to access data provided to the PSCI platform over several decades. For example, a user can obtain one or more agreements (e.g., agreements) that the PSCI platform uses. Security agreements, user agreements, confidentiality agreements, etc.) and / or other service providers (e.g., security The ability to access one or more agreements concluded with (railway companies, freight transport companies, freight management companies, etc.) It may be granted. For example, in one or more embodiments, once the user's identity is verified, Data access is granted to the PSCI platform, allowing customers to utilize the PSCI software. The process of providing an insurance contract can be initiated using this method. And, optionally, in combination with any of the embodiments described herein, authentication and / or identity Verification can be achieved by any appropriate authentication and / or identity verification mechanism. For example, In the embodiments described above, a username / password combination can be used. For example, in one or more embodiments, identity can be verified using a task / response mechanism. This allows us to present the user with one or more questions (for example, tasks). In one or more embodiments, biometric authentication can be used to verify identity.

[0127] In one or more embodiments, optionally, a combination with any of the embodiments described herein may be used. In addition, the access management module will determine which PSC to use based on verified identity and / or authentication. The ability to restrict whether users can access applications and / or services Yes, it is possible. For example, once the user's identity and authentication are verified, the user can access the PSCI platform. Without having to access the form and re-enter their identity and / or authentication information, the user can access the form. This enables the sending and receiving of data. In one or more embodiments, as described herein, In combination with any of the embodiments described above, the access management module determines which user is which Maintain information regarding whether PSCI applications and / or services can be accessed. For example, in one or more embodiments, the access management module may define Based on the established policies, preferences, and / or rules, which data is used in which application and / or communicate with the interface module to establish whether it can access the service. It is possible.

[0128] In step 426, information including at least a portion of the transport information is provided to the user via PSC Entering transport information via one or more GUIs provided by API401 In response to transmitting the said transport information to the PSCI platform, PSCI Auto Insurance compliance evaluation rule engine 404 (here, PSCI rule engine 40) One or more transport characteristics received by (referred to as 4) and associated with the transport of goods, Whether or not it complies with the above federal, state, or local regulations and / or compliance regulations It is determined automatically. For example, in one or more embodiments, one or more details of the cargo to be transported and / or characteristics (e.g., weight, value, type, etc.) and / or details associated with the transport of the goods ( For example, means of transport, transport route (travel section), weather, environment, context, area / region / country Activities etc. comply with the prescribed rules and / or regulations applicable to one or more related freight transports. If not present, the PSCI rule engine 404 will send an error message to the user. It contains one or more negative messages and / or warnings.

[0129] For example, in one or more embodiments, the PSCI rule engine 404 is one of the transported cargo The above details and / or characteristics may be subject to one or more federal laws regarding the entity relating to freight transport insurance. , state or local regulations and / or compliance regulations and / or other legal compliance Automatically reviews and evaluates whether or not it meets the requirements. And, optionally, in combination with any of the embodiments disclosed herein, the PSCI rules Engine 404 is rule data derived from legal compliance requirements, regulatory requirements. The derived license data, system configuration data, and supplemental system insurance coverage data. Store it.

[0130] In one or more other embodiments, a third-party insurance compliance assessment service (e.g., For example, ComplyAdvantage (www.complyadvantage) If used, one or more details and / or characteristics of the transported goods are used by the entity relating to freight transport insurance. One or more federal, state or local regulations and / or compliance regulations and / or Whether or not other legal compliance requirements are met will be reviewed and evaluated. For example. In one or more embodiments, the PSCI rule engine 404 provides user information (e.g., logistics). Transportation information received via PSCI API401 from the transportation provider or customer Automatically extract insurance coverage data from at least a portion of the transportation information. Generate the insurance compliance information file to be used, and The automated compliance system used by third-party insurance compliance assessment services The evaluation system server (not shown) has secure networks such as 110 and 270. It is transmitted via a communication network. For example, in one or more embodiments, it is automated. The compliance assessment system is designed to ensure compliance with federal, state, and local legal requirements. Therefore, we have our own internal process for auditing insurance compliance information files. In one or more embodiments, the insurance compliance information file is securely connected to a network. APIs that can process high-quality data for compliance purposes via the network It is sent to the platform. For example, in one or more embodiments, ComplyA The dvantage(registered trademark) API is a PSCI software platform (for example) (If integrated with PSCI API) the PSCI platform for one or more individual freight transports PSCI user insurance coverage is required, including at least a portion of the shipping information received by the form. This may enable automated screening of requests. For example, in one or more embodiments, transport information When it is received by the PSCI platform via PSCI API401, In version 414, the insurance compliance information file is used by the PSCI rule engine. Therefore, it is automatically generated and transmitted via secure networks 110 and 270 to insurance compliance ComplyAdvantage or other platforms (for example, step 426 of ComplyAdvantage or other) It is automatically sent to the appropriate compliance platform, and the compliance platform Tform is subject to insurance regulations and / or compliance rules, sanctions lists, and watchlists. T, a list of politically exposed individuals / products and / or harmful media, in real time Screening insurance compliance information files in real time or near real time. This is possible. For example, in one or more embodiments, the insurance compliance information file is Legal compliance requirements imposed by federal, state and / or local jurisdictions, as well as Licensing requirements that a Liant insurance provider company and its related personnel must meet. The following will be reviewed. For example, the results of the audit process will be reviewed regarding secure communication networks. An example PSCI that runs PSCI software, transmitted via 110, 270. Received by platform 100, the non-compliant area is indicated. For example In one or more embodiments, the PSCI rule engine 404 is used for transporting cargo. To notify the user that one or more of the transmission characteristics are not met, an error message and Alternatively, it automatically sends one of the warnings, indicating the reason for the non-conformity (non-compliance).

[0131] For example, in one or more embodiments, optionally, any embodiment disclosed herein. In combination with this, the PSCI API401 receives transport information in step 412, and this information The information is presented on an exemplary PSCI platform 100 running PSCI software. When transmitted via pp 412, the PSCI rule engine 404 uses the transport information to determine the freight transport insurance. The data is automatically extracted, and an insurance compliance assessment review is performed in step 426. In one or more embodiments, optionally combined with any of the embodiments disclosed herein. Then, in step 414, the PSCI system receives transport information via the PSCI API 401. In response to an exemplary PSCI platform 100 running software, PSCI Engine 404 automatically uses at least a portion of the transport information to comply with insurance requirements. Generate an ANS information file and automatically send it to the insurance compliance platform. In one or more embodiments, optionally combined with any of the embodiments disclosed herein. In addition, in step 414, the PS receives transport information via the PSCI API 401. In response to an exemplary PSCI platform 100 running CI software, PS The CI rule engine 404 automatically processes at least a portion of the transport information for insurance compliance. Send to the insurance compliance platform so that a performance evaluation is triggered. In the above embodiment, for example, the PSCI rule engine 404 in step 414 Then, perform the insurance compliance assessment that is sent to the PSCI rules engine 404. Transportation information and / or other information required (e.g., results of the initial insurance compliance assessment) In response to at least a portion of the above, an initial insurance compliance assessment is performed in step 426. This can be performed automatically. For example, in one or more embodiments, optionally, here In combination with any of the embodiments disclosed herein, third-party insurance compliance Insurance contracts executed by the platform and / or PSCI rule engine 404 Price assessment is performed at any point during the transportation process (e.g., at the location of shipment). During tagging and / or transport of goods included in freight transport, or during PSCI In the API insurance coverage workflow milestones, transportation information and / or freight It is automatically executed and / or triggered by a change in the state of any one or more properties. In the embodiments described herein, optionally in combination with any of the embodiments disclosed herein, Insurance compliance assessments are performed at the request of PSCI platform users. It may be done.

[0132] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI rule engine 404 performs step 4 via the PSCI API 401. In response to the insurance compliance assessment request received by the logistics transportation provider in 44, By sending the insurance compliance assessment request result message in step 426 It responds as follows. Referring to Figures 4B and 4C, for example, in one or more embodiments, Intentionally, in combination with any of the embodiments disclosed herein, freight transport may be subject to one or more regulations. In response to the decision that it does not comply with / compliance rules / regulations, PSCI rules Engine 404 in step 426 provides insurance coverage for one or more related cargo transports. A message is sent indicating that the request has been rejected. For example, in one or more embodiments, P SCI rule engine 404 responds to sending or causing a rejection message Therefore, PSCI API401, in step 450, denied the claim for insurance coverage. Messages indicating this (e.g., messages, warnings, letters, instructions, etc.) on the PSCI platform Automatically communicate with form users (e.g., logistics providers and / or other users) For example, the message may include one or more reasons for the decision to refuse compensation. As shown in step 450 of 4B, for example, the cargo transported by a logistics provider The type of cargo included in the shipment falls under an automatic exclusion category for insurance coverage (e.g., special handling). It may require refrigeration and transportation (e.g., shorter transport time than offered), and is considered dangerous. It may be damaged for one or more reasons, and / or may be excluded for other reasons, etc. If your cargo falls under any of the categories listed above (including the types of cargo mentioned above), your cargo insurance claim may be automatically denied. For example, in step 452, the responsibility for the cargo included in the freight transport rests with the customer (i.e., (The consignor) remains.

[0133] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI rule engine 404 performs step 4 via the PSCI API 401. In response to the insurance compliance assessment request received by the logistics transportation provider in 44, By sending the insurance compliance assessment request result message in step 426 It responds as follows. Referring to Figures 4B and 4C, for example, in one or more embodiments, Intentionally, in combination with any of the embodiments disclosed herein, freight transport may be subject to one or more regulations. In response to the decision to comply with / compliance rules / regulations, PSCI rules In step 426, Jin 404 requests insurance compensation for one or more related cargo transports. Send an approved message. For example, in one or more embodiments, PSCI In response to the rule engine 404 sending or causing an approval message to be sent, PSCI API401, in step 450, confirms that the claim for insurance coverage has been approved. Messages (e.g., messages, warnings, letters, instructions, etc.) are displayed on the PSCI platform. Automatically communicates with other users (e.g., logistics providers and / or other users). For example, the message is an insurance claim for specific individual cargo shipments provided by the insurance provider. This may include insurance quotes to provide compensation. The customer (e.g., shipper) will be responsible for transportation and all related costs. Once you pay the associated costs, insurance contract and all related expenses to the logistics and transportation provider, the freight transport will be The responsibility is transferred to the insurance provider in step 448. For example, in step 4B of Figure 4B As indicated in Section 446, the requirement for cargo insurance can be made by, for example, the logistics provider. The type of cargo included in the transported cargo shipment is what the insurance provider can offer coverage for. If it falls into a deemed category, it may be automatically approved.

[0134] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, to conduct insurance compliance assessments, an insurance compliance platform and And / or automated insurance compliance evaluation rule engines use less information Part of this is referenced in Figure 4C, and is described here with reference to, for example, step 420. This is sent to the machine learning engine.

[0135] In step 416, in one or more embodiments, a real-time transport for a given cargo transport is performed. Real-time cargo transport data provided by the layer information module is received and / or compiled. This is then sent to the PSCI Risk Modeling Engine 402 and / or PSCI Risk Modeling Engine 402. One or more PSCI databases 150a-15 accessible by the Delling engine 402 It is transmitted to 0n, 251. For example, in one or more embodiments, the sensor data is sent to PS Utilized by the CI platform, off insurance coverage quotes for individual cargo shipments It can dynamically influence the system. For example, real-time and / or near real-time sensors. Sadata is used by the PSCI platform for one or more individual freight shipments. We will provide an estimate regarding the insurance coverage offer and / or move the insurance coverage estimate. Changes to the policy, denies compensation, offers additional compensation, and insurance contracts regarding insurance coverage offers. The fee may be changed, or the refusal of insurance coverage may be revoked. For example, in one or more embodiments In this context, dynamic changes to insurance coverage include one or more weather-related events, environmental events, and contextual events. Elephants (traffic information (e.g., congestion, accidents), road closures, State Department warnings), detected cargo status , and / or based on one or more external factors that may affect the cargo during transport. For example, one In the embodiments described above, the insurance premium is the product price adjustment factor described herein, and the risk assessment A rate and / or insurance coverage offer to shippers for one or more individual shipments. It may be changed by changing one or more of the total price. For example, one or more implementations In this state, one or more commodity price adjustment factors and / or used to determine the insurance premium. Risk probability values ​​are based at least partially on real-time transport data for PSCI risk. It can be dynamically modified by the modeling engine 402. For example, in one or more embodiments Furthermore, one or more product price adjustment factors are applied by authorized users (e.g., insurance providers) The setting is such that one or more risk probability values ​​are used to determine the insurance premium, and at least The PSCI risk modeling engine 402 is also partially based on real-time transport data. It can be dynamically changed by, for example, in one or more embodiments, real-time transport data Data includes sensor data (e.g., environmental, weather, cargo condition / information and / or sensor data), This may include, but is not limited to, equipment failure / malfunction, fire, theft, etc. For example, S is one or more sensors 290 and / or one or more telecommunications and / or tele Sensor data collected and / or compiled from matics devices 140 and 295 This may include, for example, in one or more embodiments, a system running the PSCI software The system uses an internal database and / or external proprietary data to provide real-time transportation data. Interfaces with base and / or public databases. Real-time transport data This includes weather conditions, weather trends, weather forecasts, and any other data that utilizes weather data. and / or a given cargo transport including, but not limited to, the meteorological parameters described herein. Regarding data that can be used to obtain weather information that may affect transmission. For example, In the above embodiment, the system running the PSCI software has one or more internal data One or more internal PSCI servers and / or accessing a database or remote database. This refers to one or more logistics transports that access one or more internal or remote databases. Provided by the provider server. For example, in one or more embodiments, PSCI An exemplary and ingenious PSCI platform that runs the software is an internal database and / or interfaces with external proprietary databases and / or public databases. Real-time transportation data includes current and / or trending news (e.g., traffic accidents). State Department warnings, weather forecasts, regional and / or global conflicts, labor force fluctuations (e.g., Stratford Wars). Iki, cessation of work, militia movements, violent and / or territorial and / or threatening skirmishes , data relating to tactics or conflicts, intimidation tactics, terrorist groups, organizations, movements and / or activities ), any other data that utilizes news data, and / or affects a given freight transport Regarding data that can be used to obtain current and / or trending news information that may be provided. For example, in one or more embodiments, optionally, any of the embodiments disclosed herein In combination with the state, real-time transportation data that can affect a given cargo transport is used in the model. Data and / or observational data may be provided. For example, in one or more embodiments , optionally, in combination with any of the embodiments disclosed herein, real-time transport data The data may be provided via a Platform as a Service (PaaS).

[0136] For example, in one or more embodiments, a refrigerated truck is used to transport cargo included in freight transport. For the individual transport of perishable goods requiring a lock, one or more sensors and / or Telematics device, one or more sensors 290, and / or one or more telecommunications The refrigeration and / or telematics devices 140, 295 are used for the cargo storage of refrigerated trucks. Rear temperature control can be tracked. In one or more embodiments, step 416 is performed on the refrigerated Sensor data related to rack temperature is stored in one or more databases (e.g., PSCI platform). One or more PSCI databases 251 and one or more network databases located on the platform. Database 150a~150n, one or more third-party databases 1701~17 Received and edited in real time or near real time by 0n), PSCI risk Should insurance coverage be provided by the modeling engine, or for insurance coverage? Whether insurance premiums should be increased or decreased, or whether the insurance coverage provided should be changed. Determine. For example, one or more sensors 290 and / or one or more telecommunications and and / or sensor data from telematics devices 140, 295 are included in the freight transport. Before fresh cargo is placed in containers, the cargo storage containers in the refrigerated truck are pre-cooled. If it is shown that this was not done, in step 414, PSCI risk modeling environment The Jin 402 automatically uses sensor data to deny insurance coverage, for insurance purposes. To offer high insurance premiums, to offer high insurance quotes for insurance coverage, Or, perform one or more functions, including but not limited to changing the terms and conditions of an existing insurance contract. It can be configured to perform the following actions. For example, in one or more embodiments, each of the above functions This may be done without intervention, review, authorization, or approval by the underwriter.

[0137] In step 418, in one or more embodiments, historical layer information for a given cargo transport is provided. The historical transport data provided by the module is received and / or compiled, and the PSCI risk model The data is sent to the Delling engine 402 and / or the PSCI risk modeling engine 40. The data is sent to one or more PSCI databases 150a-150n, 251 that are accessible to user 2. In one or more other embodiments, the history layer information module is PSCI risk modeling. Included in Engine 402, provides an estimate for insurance coverage for individual cargo shipments. The PSCI risk modeling engine 402 receives or uses historical transport data. It is configured to pile up. For example, one or more quotients used to determine insurance premiums. Product modification factors are based at least partially on historical transport data, PSCI risk modeling It can be dynamically changed by the engine 402. For example, in one or more embodiments, Historical transport data, including data on transport similar to freight transport, is used in PSCI risk modeling. It is compiled by the ring engine 402. For example, historical transport data is used for insurance quotes. To support the provision of insurance risk, provide an appropriate amount of risk information to create an insurance risk model. Any appropriate period required for this (for example, 1 to 12 months before the shipping date, 1 to 5 years before the shipping date) (Previously, 5-10 years before the shipping date, 10-20 years before the shipping date, etc.) PSCI Risk Modeling It can be compiled by the compilation engine 402. For example, in one or more embodiments, Historical transport data is available for any appropriate historical period (e.g., hours, days, months, years, decades, etc.) Transportation information relating to previous similar cargo shipments, and / or any appropriate historical period (e.g., time). Claims made in relation to the transport of goods in the day, month, year, ten years, etc., and / or any This may include historical sensor data over an appropriate historical period (e.g., hours, days, months, years, decades, etc.). These data are compiled for any appropriate period, as well as for related freight transport. Regarding the transportation of one or more sensors 290 and / or one or more telecommunications and / Or the sensors previously collected from telematics devices 140, 295 as disclosed herein Suggested data (e.g., environmental, weather, cargo condition / information, and / or sensor data, equipment failure) This includes, but is not limited to, malfunctions, fires, theft, etc. For example, the entire supply chain. The historical sensor data covers specific storage locations, specific shippers, specific suppliers (insured parties), and specific A specific product, a specific mode of transport, a specific cargo container, a specific product packaging, and any of these. The loss history (history of undelivered cargo shipments) for each combination should be modeled and / or determined. Furthermore, in step 414, it is utilized by the PSCI risk modeling engine 402. To obtain. For example, in one or more embodiments, historical transport data includes weather history data, and and / or environmental history data are affected by one or more similar or related weather or environmental conditions. It is compiled for similar transport routes that can receive it. For example, weather history data and / or Environmental history data provides an appropriate amount of risk information for modeling insurance risks. Any appropriate period required (for example, 1-12 months before the shipping date, 1-5 years before the shipping date, PSCI risk modeling for (5-10 years prior to the shipping date, 10-20 years prior to the dispatch date, etc.) It can be edited by engine 402.

[0138] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI risk modeling engine 402 performs steps 416 and 418. Real-time transport data, historical transport data, and / or any other appropriate data and / or use historical data (e.g., supply chain historical data) to determine individual shipments Generate an insurance quote to provide insurance coverage for one or more individual cargo shipments. Model risk and / or specific storage, specific consignor, specific supplier (insured) , specific products, specific modes of transport, specific cargo containers, specific product packaging, and these Loss benchmarks and / or criteria for any combination of (freight delivery failures) The mark can be determined. In one or more embodiments, optionally, either the above or below In any combination of embodiments, the historical transport relating to a given freight transport is compiled. The transmitted data is not limited to piracy history data, theft history data, and terrorist history data. Data on natural disaster history, regional / global conflict history, political risk history, and weather. This may be news (e.g., an announcement of a strike). In one or more embodiments, PS CI Risk Modeling Engine 402 Data Acquisition Component (e.g., real-time) The layer information module and / or history layer information module also handle real-time transport data and One or more PSCI data crawlers configured to collect / historical transport data (c The PSCI risk modeling engine 402 is accessible to one of the following (including the rawler). The same data can be stored in the PSCI databases 150a-150n and 251 mentioned above. For example, In this context, the PSCI data crawler includes a web crawler, and a web crawler is, for example, Using identification information (e.g., keywords) for one or more related individual cargo shipments, - Relevant real-time transport data from the internet or any publicly accessible online source Data and / or historical transport data can be collected. In some embodiments, Track crawlers can be automated using bots. Furthermore, bots can use natural language It is possible to analyze web page content using language processing and select relevant content. For example, The PSCI risk modeling engine 402, which is a data collection component, To monitor the feed and identify potentially relevant materials, name, identification, and feed Data including field, event, location, and other relevant characteristics, for one or more related cargo imports It can be matched with the transmission. In one or more embodiments, the data acquisition component is PSCI The risk modeling engine 402 utilizes the PSCI data crawler to analyze various new data. By analyzing text content from the feed, relevant real-time transport data Collect transit and / or historical transit data and identify one or more keywords related to the relevant freight transit. To separate.

[0139] For example, in one or more embodiments, step 414 involves PSCI risk modeling. Engine 402 utilizes at least a portion of the transport details to transport the specified cargo. Modes (e.g., road, water, rail, air, and / or any combination thereof), freight transport The type of goods included in the shipment, and the estimated value of the goods included in the shipment. Value, the requested actual shipping date and estimated actual shipping date of the specified cargo shipment, and / or One or more possible examples of the specified and / or requested transport routes for the specified cargo transport. Determine the outside. In one or more embodiments, for example, the PSCI risk modeling engine. 402 refers to at least a portion of the transport details, historical transport data received by the PSCI database. Data or real-time transportation data, or sources used and accepted by the relevant insurance industry (e.g., Kelly Blue Book (registered trademark), internal policy, external policy, industry practices) Using one or more of the above, or if the declared estimated value of the specified goods included in the freight transport is In accordance with industry standards, depreciation is deducted from the estimated value of the identified goods included in the freight transport. Within an acceptable value range (e.g., 1%, 3.5%, 5%, 7.5%, 10%, or in advance) Determine whether or not it is within the determined tolerance range. For example, in one or more embodiments, Acceptable value range (measured in terms of the value of the relevant currency (e.g., US dollar, euro, pound, etc.)) This refers to the range of the estimated value of the identified goods included in the freight transport (for example, the first value) For estimated values ​​within the range, 1%; for values ​​within the second range which is greater than the first range, For the estimated value in the range, 3.5%, and for the third value range which is larger than the second and first value ranges. The estimated value within the box may depend on an amount such as 5%. For example, in one or more embodiments And the specifics included in the freight transport given by the customer / shipper and / or logistics transport provider PSCI risk model determines that the declared estimated value of the goods is outside the acceptable range. In response to the 402 engine, the PSCI User Experience Engine 403 will launch the PSCI AP I401 is automatically sent to the transportation logistics provider and / or customer / shipper. Dicators (e.g., messages, text messages, warnings, error messages, and / or (and any other suitable type of indicator). For example, a solution (e.g., Identified cargo included in freight transport as determined by the PSCI Risk Modeling Engine 402 An indicator including the estimated value of the customer / shipper and / or transport logistics provider It is transmitted automatically.

[0140] For example, in one or more embodiments, step 414 involves PSCI risk modeling. Engine 402 includes a given estimated transport time (e.g., Identified cargo included in freight transport, from its geographical location of origin to its identified destination. The estimated transport time required to transport to a certain location may be inaccurate. For example, one or more implementations In its form, the PSCI risk modeling engine 402 identifies the cargo transport, given In order to determine whether the obtained estimated transport time is within an acceptable range, transport details, Historical transit data and / or real-time transit data received by the PSCI database At least one or more of the sources used and approved by the data provider or related insurance industry. This is used. For example, in one or more embodiments, the PSCI risk modeling engine 4 02 is the estimated transit time given by the customer / shipper and / or logistics provider. In response to determining that the value is outside the acceptable range, the indicator will be set for the customer / shipper and It is automatically sent to and / or a logistics provider. For example, in one or more embodiments, The PSCI User Experience Engine 403, via the PSCI API 401, provides logistics and transportation services to professionals. An indicator (e.g., message, etc.) is automatically sent to the buyer and / or customer / shipper. Quit messages, warnings, error messages, and / or any other appropriate type of input It has a dicator. For example, a solution (e.g., PSCI risk modeling engine) The estimated travel time determined by n402, and / or the proposed mode of transport and / or transport route. An indicator including ) is automatically sent to the customer / shipper and / or logistics provider. ru.

[0141] For example, in one or more embodiments, the PSCI risk modeling engine 402 is particularly A given mode of transport used in a defined freight transport (e.g., road, water, air, rail) To determine whether (etc.) is an acceptable mode of transport, transport details, PSCI database The historical or real-time transport data received by the service, or by the relevant insurance industry Use one or more of the sources used and approved. For example, one or more actual In the implementation configuration, the PSCI risk modeling engine 402 is given (customer / shipping). The mode of transport (details given by the person and / or logistics provider) is acceptable. Criteria and / or given criteria (e.g., estimated time or geographical location of origin and destination) Location, weather, local conflicts, theft risk, damage risk, unavailable resources (e.g., cold Frozen containers / trucks, containers, restraint devices, fuel, personnel, and / or customers / shippers and Accepted based on / or other details given by the logistics provider)) In response to the decision, the indicator will be used by the customer / shipper and / or logistics provider. It is automatically sent to the driver. For example, in one or more embodiments, the PSCI user experience engine API 403 is transmitted via PSCI API 401 to logistics and transportation providers and / or customers / Indicators automatically sent to the shipper (e.g., messages, text messages, warnings, It has an error message and / or any other appropriate type of indicator. For example In one or more embodiments, the customer / shipper and / or logistics provider provides A mode of transport for one or more transport sections in a transport route is acceptable and / or given Criteria (e.g., estimated time or transport, geographical location of origin and destination, weather, region) It is impossible or impossible based on (conflict, theft risk, damage risk, unavailable resources, etc.) It is limited to options that are determined to be impossible (for example, roads, water, air, rail, etc.). In response to the decision made by the PSCI risk modeling engine 402, the solution ( For example, rail, air, water, road for one or more of the transport sections and / or proposed transport routes. Addition of other transport modes not included in the original transport details, including one of the routes, and / or , proposed additions to the transport sections included in the given transport route, or given transport route (including proposed additions of transport sections to be taken in place of identified transport sections on the road) The operator communicates with customers / shippers and / or transport logistics professionals via PSCI API401. It is automatically provided to the VIDER. For example, in one or more embodiments, the PSCI user body The test engine 403 is transmitted via PSCI API 401 to logistics and transportation providers and / or This is an indicator (e.g., message, text message) that is automatically sent to the customer / shipper. (having warnings, error messages, and / or any other appropriate type of indicator) ru.

[0142] In step 414, the PSCI risk and modeling engine 402 are used. Receive shipping details provided by the identified logistics provider via API 401. For example, in one or more embodiments, a user device via PSCI API 401 102 and / or logistics transportation provider computer systems (e.g., one or more servers) The transport details provided by Vice 130a~130n are used in the PSCI Risk Modeling Engine 4. Received by 02, and one or more tools and / or methods (e.g., predicting the possibility of loss) Using complex computer-generated models, the unique risk characteristics of individual cargo shipments are automatically determined. It is calculated as follows.

[0143] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, step 414 includes at least a portion of the real-time transport data and / or traceable data. At least a portion of the historical transport data is provided to the PSCI risk modeling engine 402. By doing so, users can use one of the risk modeling methods and / or tools disclosed herein. Using the above, it is possible to calculate the risk characteristics specific to individual cargo transport. For example, The above sensor devices 290(a) to (n) and / or one or more telecommunications and / or sensor data provided by telematics devices 140, 295, real time Cargo transport data, and historical cargo transport data and real-time data (e.g., specific cargo data) Data on Ip, weather trends and / or forecasts, traffic trends and / or forecasts, region Conflict data and / or forecasts, movement path condition information and / or forecasts, etc. are used by PSCI Risk Management. Processed by Delling engine 402, and based on the dynamic insurance pricing model, Insurance contract quotes are sent to shippers (e.g., logistics providers) in real time or almost in real time. It will be provided automatically.

[0144] For example, in one or more embodiments, optionally, any embodiment disclosed herein. In combination with the dynamic insurance generated and utilized by the PSCI Risk Modeling Engine 402 The pricing model is based on a base-level algorithm that can be adjusted by modification factors. Insurance quotes are calculated based on the estimated value of the transport.

[0145] In one or more embodiments, optionally, it may be combined with any of the embodiments disclosed herein. In addition, the PSCI risk modeling engine 402 is designed to provide shippers with insurance quotes. The dynamic insurance pricing model used is based on insurance premiums, technology solution value, and sales fees. It may be based on a fee. For example, in one or more embodiments, the insurance contract fee is to purchase It may be the amount paid to the insurance company for an insurance contract. For example, one or more implementation forms In this situation, the basic insurance premium is the pre-determined estimated value of the cargo included in the freight transport. In other words, the PSCI risk model uses the insured value multiplied by the "risk probability value". It may be calculated by engine 402. The basic insurance premium is the "expected maximum loss amount" (P It is called Robable Maximum Loss (PML) and the formula is [Risk] = [Protection] It is calculated by [risk value] * [risk probability value]. For example, the value of cargo included in freight transport The "insurance value" is given by the customer / shipper to the logistics provider at the time of booking the cargo, or One or more sources (e.g., K) used to determine the value of an asset (negative depreciation) Using Elly Blue Book (registered trademark), etc., PSCI risk modeling Determined by the engine. Estimate of cargo included in freight transport in one or more embodiments. The value is the insured value. For example, in one or more embodiments, the "risk probability value" is less than 1. This value (for example, 0.025) is a measure of the probability that a claim exists in the insurance contract.

[0146] For example, in one or more embodiments, the PSCI risk modeling engine 402 is As explained here, transportation details and real-time transportation data obtained from one or more sources. And by dynamically adjusting the "risk probability value" based on one or more historical transport data. The insurance pricing model is dynamically adjusted according to the commodity price adjustment factors and the desired underwriter premium. It is configured to do so. For example, the "maximum acceptable probability" is calculated according to Table 2 given here. PSCI contract management is used to set the value of the indicated PSCI insurance bracket identifier. Through, by the insurance provider and / or for the insurance provider, PSCI It can be composed of stems. For example, the "maximum allowable probability" is shown here, refer to Figures 5A to 5G. It is composed of each type of goods described in reference. For example, in one or more embodiments The basic insurance premium is calculated using the following example formula (1): Basic insurance premium (risk) = [$insurance value] * [risk probability value] This is equivalent to the PML that the PSCI risk modeling engine 402 can determine using this.

[0147] In one or more embodiments, the PSCI computer-based system is a business process Utilize technological solutions to streamline operations and management. For example, In the above embodiments, optionally in combination with any of the embodiments disclosed herein. Exemplary PSCI software platform 400 running The CI Computer-Based Platform 100 uses artificial intelligence (AI) to manage assets. One or more complex and high-risk processes, such as evaluation, fraud detection, claims verification, and / or premium processing. Automate the process. The cost of these technological solutions is not included in the insurance premium. They may be included. For example, in one or more embodiments, optionally, any of the herein disclosed In combination with the above embodiment, the value of the basic technology solution is [insurance value] * [risk] It may be calculated by probability value. Similar to the basic insurance premium, the PSCI system is a technology The "risk probability value" for solution calculation is also configured to be dynamically adjusted. For example. In one or more embodiments, the basic technical solution value is given by the following exemplary formula (2 ): Technology solution value = [$insurance value] * [risk probability value] This can be determined by the PSCI risk modeling engine 402 using this method.

[0148] In one or more embodiments, the PSCI computer-based system is one or more sales fees The occurrence of gold and / or fees and / or sales costs (collectively referred to here as sales fees) This may include, for example, one or more sales fees given to a distributor of PSCI-based insurance contracts. The process of calculating, allocating, and adjusting the sales price can be taken into consideration. For example, asset managers using the PSCI platform can have clients (e.g., clients) To offer and / or establish PSCI insurance to customers and / or logistics providers As an incentive, insurance sales agents are given a one-time or recurring commission. This is possible. For example, in one or more embodiments, as disclosed herein, In combination with any of the embodiments, the motion used by the PSCI risk modeling engine 402 The insurance pricing model is based on a predetermined sum of insurance premiums and the value of technology solutions. The sales price value is determined based on the percentage. For example, in one or more embodiments In this case, the value of the selling price is given by the following example formula (3): Sales price value = predetermined percentage * (insurance contract fee + technical solution value) value) This can be determined by the PSCI risk modeling engine 402.

[0149] For example, by an exemplary calculation using the given equations (1), (2), and (3), A dynamic insurance pricing model is generated based on the estimated value of the cargo included in the identified freight transport. For example, in one or more embodiments, a dynamic insurance pricing model is used, as illustrated below. Typical formula (4): Insurance quote = Insurance premium + Technology solution value + Sales price value An insurance quote determined by this may be generated.

[0150] In one or more embodiments, for example, payment based on a transportation contract with a logistics provider. To fulfill this obligation, the shipper (i.e., the sender of the goods) is given by the logistics provider. Transportation costs (e.g., the cost of transporting goods) plus, if possible, value-added tax (VAT), Insurance contract fee plus, if possible, insurance premium tax (IPT), technical cost (technical solution) (Service value), and sales price (sales price value) plus value-added tax (VA) if possible. T) must be paid by the shipper, underwriter, specific insurance provider, and if applicable. / or depends on a combination of jurisdictions such as logistics and transportation providers. For example, one or more implementations. In terms of form, the PSCI risk modeling engine 402 is, for example, the cost and as described above. Determine the shipper's receipt, which will allow for the detailed breakdown of taxes.

[0151] In one or more embodiments, the PSCI platform automatically performs real-time or Provides shippers with an immediate insurance quote for one or more individual cargo shipments in near real-time. For example, in one or more embodiments, the PSCI risk modeling engine 402 is Using one or more modification factors, the price modification factor for the goods being transported, and the desired underwriter insurance. The insurance pricing model is configured to dynamically adjust according to the fee. For example, one or more In the embodiments, P may optionally be combined with any of the embodiments described herein. The SCI risk modeling engine 402 analyzes the value of cargo included in freight transport, and logistics transport. Insurance premiums are determined based on the type of cargo being transported by the shipping provider. For example, one or more modifiers can be used to influence the evaluation of freight transport. For example, in one or more embodiments, optionally, any embodiment disclosed herein Combined with the dynamic adjustment insurance price model, insurance for individual freight shipments is determined by the dynamic adjustment insurance price model. The price of insurance coverage is at least partially based on: 1) the estimated value of the transport (insurance value), 2) for example, Product price may be a value set or dynamically adjusted based on the type of goods being transported. It is a modifier that adjusts insurance premium pricing to maximize profits while maintaining market competitiveness. 3) A price adjustment factor for goods used in such a way, and a measure of the probability that there is a claim in an insurance contract. The risk probability value, and / or 4) For example, to the insurance provider and / or underwriting partner Therefore, based on one or more of the previously agreed-upon additional parameters (explained in Table 2), It may be possible. For example, in one or more embodiments, insurance quotes for individual cargo transport and / or the PSCI risk modeling engine 402 is used to automatically determine insurance premiums. Differentiate the premiums, technology solutions, and / or sales fees used (e.g., compete in the market). They have the power to adjust prices based on the type of goods being transported in order to maximize profits. The product price adjustment factors used to set the values ​​of the product price adjustment factors are given in Table 1. The following may be used: [Table 1]

[0152] In step 414, in one or more embodiments, optionally, any of the herein disclosed Combined with that embodiment, exemplary insurance premium function, exemplary technology solution machine The PSCI Risk Model includes the functions and exemplary sales fee features (and all applicable taxes). Ring Engine 402 is used to model the insurance risks associated with individual cargo shipments. Get real-time or near-real-time insurance quotes and / or insurance rates for other freight shipments. It is automatically determined in real time. In one or more embodiments, PSCI risk modeling Engine 402 includes exemplary insurance premium features, exemplary technology solution features, and exemplary When applying a typical sales price function to an insurance pricing model, in Table 1 given below, The insurance pricing model is modified by utilizing one or more commodity price adjustment factors mentioned. It is configured to correct. In one or more other embodiments, the PSCI risk modeling engine Zin 402 features exemplary insurance premium functionality, exemplary technology solution functionality, and exemplary When applying a sales fee function to an insurance pricing model, one or more set product price adjustment factors By using the child and modifying the risk probability value of one or more, the insurance pricing model can be modified. It is configured to make corrections. For example, increased product price related to exemplary insurance premium function Applying a premium adjustment factor of 1.05 increases the insurance premium value by 5 percent (5%). This is illustrated by the following example equation (5): Adjusted insurance premium = 1.05 * [$Insurance Value] * [Risk Probability Value] It can be determined by [the following].

[0153] For example, a product price adjustment factor related to exemplary technology solution features increases by 1.05. This would result in a 5 percent (5%) increase in the value of the technology solution. The following is an example equation (6): Adjusted technology solution value = 1.05 * [$insurance value] * [risk probability value] It can be determined by [the following].

[0154] For example, if the product price adjustment factor related to the exemplary insurance premium function decreases by 0.95, The value of the insurance contract premium will decrease by 5 percent (5%), as shown in the following example formula (7 ): Adjusted insurance premium = 0.95 * [$Insurance Value] * [Risk Probability Value] It can be determined by [the following].

[0155] For example, the product price adjustment factor related to exemplary technology solution features decreased by 0.95. This would result in a 5 percent (5%) decrease in the value of the technology solution. The following is an example (8): Adjusted technology solution value = 0.95 * [$insurance value] * [risk probability value] It can be determined by [the following].

[0156] In one or more embodiments, the PSCI risk modeling engine 402 is executed. By utilizing the risk probability values ​​and / or commodity price adjustment factors included in the calculation of insurance premiums. This removes the traditional underwriting process from the process of providing insurance coverage for cargo transport. This is possible. For example, in one or more embodiments, the methods described herein may be used as optional. In combination with any of the embodiments, the PSCI risk modeling engine 402 is, for example, , the value of the goods included in the freight transport, and / or transported by the logistics provider The type of goods to be transported (disclosed herein with reference to Figures 5A to 5G), and the type of goods to be transported. Insurance premiums are automatically calculated based on predetermined underwriter parameters, including the mode of transport to be used. To decide.

[0157] In one or more embodiments, the techniques performed by the PSCI risk modeling engine 402 In the calculation of solution value, the use of risk probability values ​​and / or commodity price adjustment factors Therefore, without needing to change insurance premiums, we can adapt to market demand by adjusting the technology for each type of cargo. The surgical fee can be adjusted. For example, in one or more embodiments disclosed herein to provide insurance coverage for identified cargo shipments in real time or near real time. The cost of these technology solutions used to provide insurance quotes is It may be given without the need to change the insurance premium. For example, in one or more embodiments, at the discretion of In combination with any of the embodiments disclosed herein, the value of the technical solution can be measured. The risk probability values ​​and / or commodity price adjustment factors used to calculate are calculated independently of each other. Risk probability values ​​and / or product prices that may be calculated and used to calculate insurance premiums. It may be calculated independently of the grade correction factor.

[0158] In step 444, provide an insurance quote (transport details) for the identified cargo transport. The transport information required by the PSCI risk modeling engine 402 is from PSCI API 4 It is received via 01. For example, in one or more embodiments, the shipper is a logistics transport provider The steps shown in Figure 4B are taken when providing the necessary details to conclude a transport contract with the Ider. Information required to determine the type of goods included in individual freight transports in 408 To declare that. For example, in one or more embodiments, step 442 declares that the transport details are PS This is provided to CI API 401 and sent to the exemplary PSCI platform 100. For example, in one or more embodiments, the logistics transportation provider is as shown in Figure 4B. In step 442, the necessary steps to determine the type of goods included in the freight transport To declare information. In one or more other embodiments, insurance for the relevant logistics and transportation provider. The cargo contract must have prior access to one or more PSCI databases 150a-150n, 251. It can be stored in a manner, and the PSCI risk modeling engine 402 uses this to process the PSCI AP Use in combination with at least a portion of the transport details received via I401, individual Automatically generate commodity transport modification factors used to create insurance pricing models for freight transport. Determine. For example, in one or more embodiments, the PSCI risk model in step 414 The loading engine 402 receives less transportation information from one or more shippers or logistics providers. Even if not entirely, a portion of it can be used to determine the type of goods included in the freight transport, and the goods included in the freight transport. Determine the type of transport used to transport the cargo. In one or more embodiments, The PSCI risk modeling engine 402 utilizes commodity type and transport type. Adjust the risk probability value and / or commodity price adjustment factors, and then determine the minimum premium for the insurance contract and / or adjust the base insurance price. For example, the PSCI Risk Modeling Engine 402, Known product types and transport types approved in advance by the underwriter for insurance coverage, as well as commercial The underwriter's desired premium and price factors associated with each product type and transportation type are utilized. For example, the desired premium and price factors are the risk probability value and / or commodity price adjustment factor. Represented by the child, the minimum insurance contract by the PSCI Risk Modeling Engine 402 It is used to adjust insurance premiums and / or basic insurance values. For example, once the underwriter para If the meter is known, the PSCI risk modeling engine 402 will use that parameter to determine the value of the meter. It is automatically applied to the individual cargo transports above, in real time or near real time, that is A process that does not require underwriting evaluation, review, and / or approval, for estimating insurance coverage. To give.

[0159] For example, in one or more embodiments, optionally, any embodiment described herein. In combination with the exemplary computer running exemplary original PSCI software, The original PSCI platform (i.e., the PSCI risk modeling engine) 402) underwriting from a designated authorized user (e.g., insurance provider, underwriter, etc.) The carrier parameters are received. This allows authorized users to send one or more individual freight shipments. At the time of booking transportation through the logistics and transportation provider identified for that purpose, real Insurance contracts can be sold to shippers in real time or near real time. For example, rear Insurance quotes are provided in real time or near real time before the insurance contract is signed. Processes that do not require evaluation, acceptance review and / or acceptance approval by the shipper are available to the logistics transport provider. It is offered to the shipper at the time a transportation contract is concluded with the supplier.

[0160] For example, in one or more embodiments, optionally, any embodiment disclosed herein. In combination with authorized users (e.g., insurance companies, underwriters), )) offers insurance contracts to shippers in real time or near real time and provides insurance quotes. To provide information, access one or more PSCI databases 150a-150n and 251. Information that can be stored and used by the PSCI risk modeling engine 402 is provided. To that end, a secure PSCI platform portal can be used. For example, The information provided by the authorized user above may include one or more of the following: 1) Insurance company / underwriter 1) Types of goods that can be insured by the carrier, 2) Insured by the insurer / underwriter 3) The mode of transport used to transport goods, and the insurance company / underwriter provides insurance and / Or areas where insurance coverage is to be excluded, 4) by the insurance provider / underwriter for each type of cargo. The maximum compensation to be given, 5) Cargo insurance contracts concluded by one or more logistics and transportation providers, 6) and And / or when concluding a transportation contract with a logistics provider, offer the shipper unit cargo insurance. - Other information necessary to do so, and 6) (Optional) PSCI Platform Website This may include, but is not limited to, the logo of [the company / organization].

[0161] For example, in one or more embodiments, optionally, any embodiment disclosed herein. In combination with the PSCI risk modeling engine 402, for example, PSCRA data Participant authorization can be dynamically modified by the PSCI risk modeling engine based on the data. Insurance providers (e.g., insurance companies, underwriters), and / or authorized Provides a dynamic, automated, computer-based pre-underwriting solution for insurance providers. For example, in one or more embodiments, optionally, any of the embodiments disclosed herein Combined with the state, it runs the exemplary and original PSCI software platform 400. An example of an automated pre-underwriting process performed by the innovative PSCI platform 100 This is based on one or more pre-underwriting PSCI insurance bracket values.

[0162] For example, in one or more embodiments, each PSCI insurance bracket identifier is associated The insurance bracket values ​​and / or options that can be applied are those of an authorized insurance provider (e.g.) For example, provided by insurance entities and underwriting entities via PSCI API 401 The data is obtained and stored in one or more PSCI databases 150a-150n, 251. The automated pre-underwriting process is utilized by the Risk Modeling Engine 402. Dynamically executed, providing real-time or near-real-time insurance quotes for individual freight shipments. It is given. For example, in one or more embodiments, optionally, any of the disclosed herein In combination with the embodiment, one or more PSCI insurance bracket identifiers given in Table 2 are Each of these is, for example, the product type of cargo given in Figures 5A to 5G (i.e., product type) ) is granted by the authorized insurance provider for each instance. For example, in one or more embodiments To automate the pre-underwriting process, the PSCI risk modeling engine... One or more pre-contractual criteria used by N402 (here, PSCI insurance bracket identification) The list of children may include one or more of the following given in Table 2: [Table 2]

[0163] For example, in one or more embodiments, optionally, any embodiment disclosed herein. In combination with the PSCI risk modeling engine 402, the PSC is given in Table 2. Using one or more insurance bracket identifiers, for one or more eligible insurance providers, Automated pre-acceptance processes are automatically executed, and transportation details for identified cargo shipments are automatically generated. Determine the insurance quote that may be given to the customer / shipper in response to receipt, and / or qualify for insurance. The provider will decide whether or not insurance should be provided. For example, one or more implementations In this state, the PSCI insurance bracket identifier "product type" (e.g., fish and crustaceans, soft shellfish) Somatic animals and other aquatic invertebrates, grains, or other suitable animals as shown in Figures 5A to 5G, for example. The type of cargo included in the freight transport is the type of cargo for which insurance may be provided. Whether or not, and what type of cargo (see, for example, Figures 5A to 5G) is identified for individual cargo shipments It is used to determine whether or not to include it in the shipment. For example, in one or more embodiments, PS CI insurance bracket identifier "maximum value" (e.g., $200k per load, $30k per load) 0k (or any other appropriate value given by the insurance provider) is the amount the insurance provider provides for insurance coverage. It is used to determine the maximum estimate of the cargo included in a given specific individual cargo shipment. For example, in one or more embodiments, the PSCI insurance bracket identifier "minimum value" (e.g. (For example, $15k per load, $10k per load, or any other appropriate value provided by the insurance company) The minimum value of cargo included in the identified individual cargo shipment for which the insurance provider provides insurance coverage. It is used to determine a fixed value. For example, in one or more embodiments, PSCI insurance Packet identifier "Maximum duration" (e.g., 3 weeks, 8 weeks, or as provided by the insurance provider) Other appropriate durations) are the maximum duration for which an insurance provider will provide insurance coverage for cargo transport. It is used to determine the duration. For example, in one or more embodiments, PSCI insurance The racket identifier "transportation mode" (e.g., road only, road, rail, air, sea, etc.) is used for insurance purposes. In order for the provider to determine the type of transporter to which insurance coverage will be provided for individual cargo shipments. It is used. For example, in one or more embodiments, the PSCI insurance bracket identifier "International (For example, no, yes) is an insurance policy for freight transport where the transport route crosses international borders. It is used by the provider to decide whether or not to grant insurance coverage. For example, one or more implementations In this state, the PSCI insurance bracket identifier "Asset Type" (for example, trailer only, or (Other appropriate assets provided by the insurance provider) are included in the identified individual freight shipment. The types of shipping containers that can be used to transport cargo are covered by the insurance provider. It is used to determine whether or not it provides a certain condition. For example, in one or more embodiments The PSCI insurance bracket identifier "tracking" (e.g., no, yes) is used by insurance providers. Dar will determine whether tracking is necessary to provide insurance coverage for individual cargo shipments. It is used. For example, in one or more embodiments, the PSCI insurance bracket identifier "minimum Volume (e.g., trailer, pallet, or other appropriate volume provided by the insurance provider) This determines the minimum volume of cargo included in individual cargo shipments for which an insurance provider provides insurance coverage. It is used to determine. For example, in one or more embodiments, PSCI insurance bracket recognition Besshi "Minimum Insurance Premium" (for example, $20 per load, $100 per load, or insurance provider) Other appropriate values ​​given by the provider include insurance for the specified cargo transport. It is used to determine the minimum premium that will provide coverage. For example, in one or more embodiments , PSCI insurance bracket identifier "Maximum Daily Exposure" (e.g., $20 million, $100 million, or insurance Other appropriate values ​​provided by the insurance provider are specific values ​​that the insurance provider provides when determining insurance coverage. This is used to determine the maximum daily exposure that individual cargo shipments may suffer. For example, one or more In one embodiment, the PSCI insurance bracket identifier "risk probability value" (e.g., 0.00) 14, 0.0007, or any other appropriate value given by the insurance provider) is the value under which the claim exists. A value less than 1 (<1) representing the probability, and an insurance contract for a specific individual cargo shipment. It is used to determine the risk exposure or potential loss for insurers related to the agreement.

[0164] For example, in one or more embodiments, the PSCI risk modeling engine 402 is particularly PSCI Insurance Bracket to identify eligible insurance providers for specified freight transport Value (for example, the maximum disclosed with respect to Table 2 given here for one or more product types) Value, minimum value, maximum duration, transport mode, international, asset type, tracking, minimum volume, minimum insurance One or more of the maximum daily exposure dose can be used. These are PSCI platforms. Using Form, one or more insurance providers that provide insurance coverage for individual cargo shipments This is given by, for example, one or more eligible insurance providers in one or more embodiments. (For example, given pre-underwriting PSCI insurance bracket values ​​(for example, one or more product types) In contrast, the maximum value, minimum value, maximum duration, and transport time disclosed in Table 2 provided here are... (Code, International, Asset Type, Tracking, Minimum Volume, Minimum Premium and / or Maximum Daily Exposure) The above identifies the insurance providers that may be identified for the specified cargo transport, and Insurance quotes for specific insurance providers, PSCI Risk Modeling Engine 4 02 can be generated using a dynamic pricing model. In one or more embodiments, P The SCI risk modeling engine 402 also utilizes the techniques disclosed herein, The quotes generated for a specific insurance provider may be modified, and / or one or more. A revised insurance quote may be generated. For example, in one or more embodiments, One or more of the insurance quotes provided herefore, for example, are based on the PSCI risk modeling engine disclosed herein. Zin 402, PSCI Machine Learning Engine 405 and / or PSCI Probability Scoring Engine Data provided by one or more of the Jin 406 (e.g., real-time transport data, historical transport data, Sensor and / or telematics data, and / or other data related to specific cargo shipments. The neural network 407 outputs using data (e.g., different transport modes). It may be based on one or more risk probability values.

[0165] In one or more embodiments, a PSC running the PSCI software platform The I platform provides insurance coverage to each insurance company using the PSCI platform. Provides the administrator (i.e., authorized user) with one or more GUIs. The above values / options can be assigned to each of the PSCI bracket identifiers. For example, Figures 5I and 5J show the PSCI platform for managing the rights of a given user. The exemplary GUI provided by the PSCI platform that can be used by authorized form users For example, in one or more embodiments, as shown in Figure 5I, an authorized user (e.g., Insurance providers (underwriters) use the product information in each data field included in the GUI. Price adjustment factor (e.g., 1.1), and PSCI bracket identifier for "minimum premium" You may give a value of one or more (e.g., 30). This data is for the specified cargo transport. To generate a dynamic pricing model and provide insurance quotes, PSCI risk modeling engine It may be received by Zin 102 and applied to the basic premium contract value. For example, one or more actual In the implementation configuration, as shown in Figure 5J, authorized users (e.g., insurance providers, underwriters) The company (or carrier) adjusts the price of goods for a specified type of goods transported by the logistics and transportation provider. It can provide one or more positive factors and a dynamic pricing model for specified freight transport. The PSCI risk modeling engine 102 receives the data to generate and provide an insurance quote. It can provide information applicable to the basic insurance premium contract value.

[0166] For example, in one or more embodiments, one or more by the PSCI risk modeling engine The use of PSCI insurance bracket identifiers exemplifies innovative software platforms. The exemplary and innovative PSCI platform 100, which runs Form 400, underwrites the underwriting process. Without going through a third party, in response to receiving the shipping details for the identified individual cargo shipment, the customer / It is possible to automatically provide shippers with insurance quotes in real time or near real time. For example, in one or more embodiments, optionally, any of the embodiments disclosed herein. Combined with the application form, for example, one of the alternative PSCI insurance bracket identifiers given in Table 2 Given the above, the PSCI Risk Modeling Engine 402 is automated pre-underwriting process The process can be performed automatically. For example, in one or more embodiments, this can be done at will. Combined with any of the embodiments disclosed herein, for a specified individual freight transport A predetermined number of insurance coverages (e.g., <1, ≤3, or other appropriate number) If more than one insurance provider is identified, PSCI risk modeling Engine 402 utilizes one or more alternative PSCI insurance bracket identifiers given in Table 2. This automates the pre-acceptance process and automatically executes the transportation details of the identified cargo shipment. In response to the receipt, it is possible to determine the insurance quote that can be given to the customer / shipper.

[0167] An illustrative list of product (i.e., cargo) types is shown in Figures 5A to 5G. Risk Probability values ​​and / or commodity price adjustment factors are insured by the shipper based on these commodity types. The insurance product that can provide compensation and the premium required to provide that insurance coverage are determined. For example, as shown in Figures 5A to 5G, authorized insurance providers / underwriters can secure Using the PSCI platform portal, the product type is classified as "Live Animals". It is possible to provide underwriter parameters for the transportation of goods included in individual freight transport. For example, in one or more embodiments, the insurer / underwriter defines the product type as "Live Moving For cargo included in freight transport that falls under the category of "goods," a high risk probability value (e.g., value < 1) or Conclude that the risk exists such that a low risk probability value (e.g., value < 1) is appropriate. For example, in one or more embodiments, the insurer / underwriter defines the product type as "Live Moving For goods included in freight transport that falls under the category of "goods," a commodity price adjustment factor of 1.5 is appropriate. It can be concluded that such risks exist. For example, in one or more embodiments, PSC The risk modeling engine 402 uses information from identified insurance providers (e.g., product information). This insurance contract covers cargo included in freight transport that falls under the category of "live animals." It is configured so that the insurer / underwriter can provide goods that fall under the product type "live animals". An insurance contract offering the shipper 1.5 times the basic insurance premium for the individual transport of goods. It is configured to provide an insurance quote. For example, in one or more embodiments, an insurance provider The underwriter may conclude that the risk is a commodity price adjustment factor of 0.5. For example, In one or more embodiments, the PSCI risk modeling engine 402 is an insurer / insurer. The consignee offers the shipper the individual transport of goods that fall under the product type "live animals". Get an insurance quote for the insurance contract you want to purchase at 0.5 times (i.e., half) the basic premium. It is configured to do so. For example, if the product price adjustment factor in the above example is "0" or "-1" In some cases, in one or more embodiments, the PSCI risk modeling engine 402 is a commercial Refusing to insure individual shipments of goods categorized as "live animals" It is composed.

[0168] Figure 5H shows the types of transportation that can be used to transport various types of goods (e.g., roads). This is an exemplary list of roads, seas, air, rail, etc., and includes risk probability values ​​and / or commodity price adjustment factors. One or more children may be based on this. For example, in one or more embodiments, the transport type This is to determine which type of transportation is available to transport the insurable goods. The shipper shall provide compensation for the type of transportation selected to transport the goods. You can receive the necessary insurance coverage and premiums. See, for example, Figure 5H. Authorized insurance companies / underwriters can access a secure PSCI platform portal. Utilizing and using specific transportation methods that fall under one of the given transportation types for freight transport. Underwriter parameters can be assigned to a mode (e.g., "road"). For example, In the embodiments described above, the insurer / underwriter defines the transport type as "road," i.e., freight transport If the cargo included in the shipment is transported by road by a logistics provider, then the applicable individual For a different cargo transport, a high risk probability value (e.g., value > 1) or a low risk probability value (e.g., We can conclude that there is a risk such that the value < 1) is appropriate. For example, In the above embodiment, the insurer / underwriter transports by road by the logistics transport provider A commodity price adjustment factor of 1.5 applies to certain types of goods included in the freight shipment. It can be concluded that there are risks that make it appropriate. For example, one or more implementations In terms of morphology, the PSCI risk modeling engine 402 classifies the transport type as "road". For certain types of goods included in freight transport using the transport mode, the insurance industry Regarding the insurance contract that the shipper / underwriter provides to the shipper, the insurance premium will be 1.5 times the basic premium. It may be configured to provide an estimate. For example, in one or more embodiments, the insurer / The underwriter assumes that the risk is included in other goods included in freight transport classified as "road" transport type. Under the Ip's cargo, we can conclude that a commodity price adjustment factor of 0.5 is appropriate. For example, In the above example, if the product price adjustment factor is "0" or "-1", in one or more embodiments The PSCI risk modeling engine 402 is classified as a transport type "road". Insuring individual shipments of goods using the service (e.g., shipper and / or other authorized agents) Error messages, text, messages, warnings, etc., indicating insurance denial sent to the user. It may be configured to refuse to send or have (something).

[0169] Figures 6A to 6F show, for example, a web page, integrated API 401, an app, and a plugin. Examples given via software and / or other appropriate methods disclosed herein This shows a graphical user interface (GUI). This is a security portal. Authorized users who access the PSCI web-based platform (for example) It can be used by insurance companies, underwriters, customers / shippers, etc. In one or more embodiments And, optionally, in combination with any of the embodiments disclosed herein, the PSCI user body The test engine 403 has a GUI (an exemplary GUI disclosed, for example, with reference to Figures 6A to 6F). This generates authorization users for the computer-based PSCI platform. The data is based on one or more PSCI databases 150a-150n, 251 disclosed herein. This allows users to upload / download their information. This GUI is PSC I Risk Modeling Engine 402 is utilized, in real time or near real time. This may provide insurance coverage and / or one or more insurance quotes for individual cargo shipments. For example, once accessed, authorized users can access the PSCI Risk Modeling Engine 4 Provide the information that 02 will use, and during the cargo transport booking process with the logistics transport provider, In real time or near real time, for insurance contracts that cover one or more individual cargo shipments Insurance quotes can be automatically offered to shippers. For example, one or more embodiments In this context, optionally, in combination with any of the embodiments described herein, PSCI The platform accesses a secure portal via the PSCI User Experience Engine 403. Grant access. This portal allows authorized and authenticated user entities (e.g., Insurance companies, underwriters, etc. can access PSCI via a network (e.g., the internet). The platform may be accessed to provide and update certain information about users. For example. In one or more embodiments, once an authorized user accesses a secure PS via a portal... When a user accesses the CI web-based platform, they will be as shown in Figure 6A. You can see an example main menu. This could be, for example, a dashboard, user Control, contract list, pricing modifiers and PSCI modifiers, and other specified accessible data Includes categories.

[0170] Figure 6B shows how authorized users of the PSCI platform manage the rights of designated users. This shows an example GUI provided by an available PSCI platform. For example, authorization user The system requires a username and email address to perform various functions on the PSCI platform. You may enter a dress. In one or more embodiments, a new user may enter an example as shown in Figure 6B. By interacting with the "Create New User" option shown in the graphical GUI, P Access to the SCI platform can be obtained. For example, in one or more embodiments In this context, the types of information that can be displayed and / or updated on the PSCI portal are, for example, - User's name, user's contact details, contract number for the insurance policy associated with the user, The total number of contracts for each user, the total value of contracts for each user, and the number of users currently insured. The type of goods to be shipped or to be covered by insurance, whether the user has currently approved insurance coverage and / or Transportation routes to be used for one or more shipments to be approved, for each type of cargo Authorized transport routes, current user exposure levels, user collection and / or distributed insurance Price, risk probability value, commodity price adjustment factor (e.g., pricing adjustment factor), PSCI adjustment factor, This includes, but is not limited to, user preferences, etc. For example, in one or more embodiments, P See Table 2 here for the types of information that can be displayed and / or updated on the SCI portal. As disclosed, for example, including the values / options for each PSCI insurance bracket identifier, This is not the only example.

[0171] For example, in one or more embodiments, in the pricing adjustment factor section, the user can choose different The minimum premium, risk probability value, benchmark price and / or pricing adjustment factors for the product are determined. These can be adjusted. These then affect how specific insurance premiums are calculated. Example For example, in one or more embodiments, when an insurance contract is provided to the PSCI platform Authorized users can access the "Contract List" option shown in the illustrative GUI in Figure 6C. By interacting, existing insurance contracts can be viewed. In one or more embodiments Authorized users can, for example, use the product type list shown in Figures 5A to 5G. Add an insurance contract to cover cargo included in freight transport, which falls under one of the product types. For example, in one or more embodiments, an existing insurance contract belonging to an authorized user may be used. As shown in Figure 6F, the PSCI100 platform uses one or more PSCI data By requesting from bases 150a-150n and 251, the user is given via the GUI. It is possible to obtain this. For example, Figure 6F shows authorization using the PSCI platform 100. This shows an exemplary GUI that includes a reference to an exemplary insurance contract belonging to the user. Identifier, product type identifier (e.g., product reference identifier and description), associated with each insurance contract. The insurance premiums and / or the date and time each insurance policy was purchased may include one or more implementations. In this context, each reference includes a link to one or more insurance contracts associated with the reference. It is visible.

[0172] For example, in one or more embodiments, optionally, any embodiment described herein. In combination with this, Figure 6D shows the transportation details to the exemplary ingenious PSCI platform 100. To provide this, an exemplary GUI is shown that one or more logistics and transportation providers may use. In one or more embodiments, the exemplary GUI shown in Figure 6D is the PSCI platform. Shipping details for Form 100 (e.g., one or more PSCI server devices 120a-120n) Send a request and automatically receive one or more insurance quotes for insurance coverage of your specified cargo shipment. It is used to the extent that the delivery is initiated. For example, as shown in Figure 6D, the transportation details are used on the day the delivery is initiated. For example, the "start date" represents the month, day, or year, and the "end date" represents the date the delivery will be completed (for example, month, day, or year). End date, geographical location of delivery start (e.g., address, latitude and longitude pair, etc.) (e.g., freight transport The term "starting point" indicates the location where specific cargo included in the shipment is collected, the starting point of the first transport section, etc. "Location", the geographical location of the end of delivery (e.g., address, latitude and longitude pair, etc.) (e.g., freight transport) "End location" refers to the place where the specific cargo included will be delivered, the end location of the final transport section, etc. , included in the freight transport that insurance providers using the PSCI platform can insure Identification of the type of cargo being shipped (for example, the type of cargo given in the illustrative Figures 5A to 5G) "Product type" representing the identification of the provider, and i...

Claims

1. A computer implementation method, At least one input interface allows for multiple special data collection from multiple logistics data providers. Receiving input data for a defined data record, The at least one processor selects from multiple pre-generated databases, Multiple predetermined terms associated with at least one provider Receiving the specified contract parameters, The at least one processor is currently associated with the identified data recording. By aggregating data, forecast data, and prediction data, the input data is dynamically enriched. To do, The at least one processor is one of the eligible providers among the plurality of providers Each risk probability value associated with the enriched input data and the aforementioned multiple factors The calculation is based on a comparison with previously determined contract parameters, The at least one processor is a qualified provider among the plurality of providers. Each of the dynamic data models associated with each of them, and the enriched input data and , generated based on the respective determined risk probability values, The at least one processor determines a predetermined contract risk threshold and processes it using a plurality of Each of the dynamic data models associated with each eligible provider among the vendors Using the determined risk probability values, the identified data records are used to determine the risk probability. To make a real-time, dynamic decision, The at least one processor is one of the multiple providers. The predetermined contract risk threshold associated with each qualified provider is set accordingly. This automatically corrects in real time based on the model risk probability value, The at least one processor is one of the eligible providers among the plurality of providers Each data point for that purpose, along with the respective model risk probability value and the identified Dynamically selected based on real-time revised contract risk thresholds for data recording. A computer implementation method that allows selection and execution.

2. Claim 1, the at least one processor is located within the PSCI platform. Computer implementation method.

3. For each eligible provider of the aforementioned plurality of providers, the respective dynamic stochastic risk values Based on this, generate each dynamic data model base, In order to optimize the respective dynamic stochastic risk values ​​generated by each dynamic data model, By using machine learning modules to dynamically simulate numerical scenarios and A computer implementation method according to claim 1, including the method described in claim 1.

4. Further includes trained PSCI machine learning modules, The aforementioned trained PSC I machine learning module is The input layer, Processing layer, Output layer, In the supervised learning layer, A supervised learning layer including a classification layer and a regression layer, In the unsupervised learning group, Unsupervised learning layers including clustering layers A computer implementation method according to claim 1, including the method described in claim 1.

5. The trained machine learning module base is used to perform real-time smearing of the multiple scenarios. Simulation and the respective dynamic probabilities generated by each of the aforementioned dynamic data models Further includes generating based on at least one of several modifications to the sq value. The computer implementation method of claim 3.

6. The dynamic enrichment of the aforementioned input data is achieved by utilizing the statistical analysis module and the machine learning module. This includes enhancing the aforementioned input data based on internal history data and transportation data. Computer implementation method for item 1.

7. Based on the enriched input data included in the transport details for the identified cargo transport To determine the reference risk probability value, we will use a risk probability scoring engine. A computer implementation method according to claim 1, including the above.

8. The aforementioned multiple predetermined contract parameters include product type, maximum value, minimum value, and maximum duration. Time, mode of transport, international, asset type, tracking, minimum volume, minimum premium, maximum daily exposure, or the computer implementation method of claim 1, comprising one or more risk percentages.

9. The real-time dynamic adjustment of the aforementioned predetermined contract risk threshold is based on weather data, Transportation route data including data on the route used to transport the aforementioned goods, and One or more item data containing data on the aforementioned items included in the specified cargo transport. This includes receiving sensor data generated by one or more sensors in real time. The computer implementation method according to claim 1.

10. Each of the multiple logistics data points is assigned at least one dynamically selected data point. The bill further includes sending it to each eligible logistics data provider among the providers. Computer implementation method for item 1.

11. The above is dynamically selected in response to the automatic adjustment to the predetermined contract risk threshold. At least one data point is insured for the identified cargo shipment. A computer implementation method of claim 1, including an insurance contract to be provided.

12. A computer implementation method, At least one input interface is associated with at least one computer system. For the identification data record including the goods being transported by the assigned logistics data provider Receiving input data, The computer system includes the at least one input interface and at least It includes a PSCI platform that includes one processor, The at least one of the aforementioned processors is accessible by the digital platform. From a number of pre-generated databases, at least one of several providers Receiving multiple predetermined contract parameters associated with the provider and 、 The at least one processor is one of the multiple providers. The plurality of predetermined contract parameters associated with one provider, Verification based on multiple services performed using a computer system, The at least one processor is currently associated with the identified data recording. Data, forecast data and prediction data, and the multiple data associated with the identified data record. By aggregating the number of verified pre-determined contract parameters, the input data To dynamically enrich the data, The at least one processor is one of the eligible providers among the plurality of providers Each risk probability value associated with the input data and the plurality of pre-determined Calculated based on comparison with the contract parameters, The at least one processor is a qualified provider among the plurality of providers. Each of the dynamic data models associated with each of the input data and the To generate based on each determined risk probability value, The at least one processor determines a predetermined contract risk threshold and processes it using a plurality of Each of the dynamic data models associated with each eligible provider among the vendors Using the determined risk probability values, the identified data records are used to determine the risk probability. To make a real-time, dynamic decision, The at least one processor then performs the subsequent data associated with the identified data recording. Receiving historical data from the data, or from the multiple pre-generated databases. 、 The at least one processor is one of the eligible providers among the plurality of providers - For each model, the risk probability value is determined from real-time transport data or the subsequent data To generate based on the data, The at least one processor is one of the multiple providers. The predetermined contract risk threshold associated with each qualified provider is set accordingly. This automatically corrects in real time based on the model risk probability value, The at least one processor is one of the eligible providers among the plurality of providers Each data point for that purpose, along with the respective model risk probability value and the identified Dynamically selected based on real-time revised contract risk thresholds for data recording. To choose and A computer implementation method for performing this task.

13. The aforementioned multiple services include identifying the location of at least one sender and at least one Identifying the location of one recipient and the support associated with the at least one sender To determine the validity of the ability to pay and the ability to pay associated with at least one recipient A computer implementation method according to claim 12, comprising determining effectiveness.

14. The computer application of claim 12, wherein the plurality of providers includes a plurality of insurance providers. How to wear it.

15. For each eligible provider of the aforementioned plurality of providers, the respective dynamic stochastic risk values Based on this, generate each dynamic data model base, In order to optimize the respective dynamic stochastic risk values ​​generated by each dynamic data model, By using machine learning modules to dynamically simulate numerical scenarios and A computer implementation method according to claim 12, including the method described in claim 12.

16. The trained machine learning module base is used to perform real-time smearing of the multiple scenarios. Simulation and the respective dynamic probabilities generated by each of the aforementioned dynamic data models Further includes generating based on at least one of several modifications to the sq value. The apparatus according to claim 14.

17. The real-time dynamic adjustment of the aforementioned predetermined contract risk threshold is based on weather data, Transportation route data including data on the route used to transport the aforementioned goods, and One or more item data containing data on the aforementioned items included in the specified cargo transport. This includes receiving sensor data generated by one or more sensors in real time. The computer implementation method according to claim 12.

18. A computing device, Non-temporary computer memory for storing software instructions, At least one processor and Includes, When the at least one processor executes the software instruction, the computer The coating device is At least one input interface allows for multiple special data collection from multiple logistics data providers. Receiving input data for a defined data record, The at least one processor selects from a plurality of pre-generated databases. Associate with at least one logistics data provider out of several logistics data providers. Receiving multiple predetermined contract parameters, The at least one processor is currently associated with the identified data recording. By aggregating data, forecast data, and prediction data, the input data is dynamically enriched. To do, The at least one processor is one of the eligible providers among the plurality of providers Each risk probability value associated with the enriched input data and the aforementioned multiple factors The calculation is based on a comparison with previously determined contract parameters, The at least one processor is a qualified provider among the plurality of providers. Each of the dynamic data models associated with each of them, and the enriched input data and , generated based on the respective determined risk probability values, The at least one processor provides real-time data recording for the identified data. A predetermined contract risk threshold is set by each of the eligible providers among the multiple providers. Each of the aforementioned dynamic data models associated with the leader and each of the determined leaders Dynamically determining using the probability value, The at least one processor is at least one of the multiple providers Real-time pre-determined contractual risk associated with eligible providers The value is automatically corrected based on the respective model risk probability value, The at least one processor is one of the eligible providers among the plurality of providers Each data point for the purpose is associated with the respective model risk probability value and the special Based on real-time revised contract risk thresholds for defined data recording. Dynamic selection and A computing device programmed to perform the following actions.

19. The computing device further, For each eligible provider of the aforementioned plurality of providers, the respective dynamic stochastic risk values Based on this, generate each dynamic data model base, In order to optimize the respective dynamic stochastic risk values ​​generated by each dynamic data model, By using machine learning modules to dynamically simulate numerical scenarios and A computing device according to claim 18, programmed to perform the following:

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