INTELLIGENT SELF-ADAPTIVE VEHICLE APPARATUS AND CORRESPONDING METHOD FOR DYNAMIC SCORE-BASED RISK MEASUREMENT AND AGGREGATION USING A TELEMATICS-CONNECTED SEARCH ENGINE - Patent application

Abstract

To provide a movable real-time system which monitors and captures an automobile system of an automobile in motion, and reacts to an automobile parameter.SOLUTION: In the system, a risk transfer profile is captured based on a plurality of driving score parameters dynamically generated by automobile data, and classified in a result list from a plurality of first risk transfer systems. A trigger of a telematics database is dynamically adapted based on a self-learning structure of an intelligent central automobile circuit for triggering, capturing and monitoring a motion parameter and / or an environment parameter in a motion of an automobile. A driving score generator of the central automobile circuit measures a composite set of a single or a plurality of variable score parameters to provide a physical risk scale and / or a driving style and / or an environment condition to be used in the motion of the automobile based on the triggered, captured, and monitored motion parameter and / or environment parameter.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a mobile real-time system that dynamically reacts to captured environmental or operational parameters, and in particular to monitoring, capturing, and reacting to vehicle parameters of vehicle systems in operation. The present invention further relates to a telematics-based self-adaptive and self-learning automated risk measurement, warning, and real-time notification system, especially for vehicles and wireless technologies used in the field of telematics with associated dynamic risk transfer structures. Finally, the present invention also relates to a telematics-based real-time expert system. The term telematics, and in particular traffic telematics, refers to systems used in information technology in the fields of communication, instrumentation and control, and transportation. Thus, the present invention relates to the use of telematics in conjunction with real-time risk measurement, risk monitoring, dynamic and automated risk transfer systems based on captured and measured usage-based and / or user-based telematics data. [Background technology]

[0002] Modern automotive technology motor vehicles (including fully manually controlled driving, partially autonomous driving, driverless cars, self-driving cars, robotic cars) are associated with cars that are able to sense their environmental and operational conditions or usage. At the same time, the use of sensors by cellular mobile phones, and in particular by so-called "smartphones", has been growing exponentially in recent years, making it possible to monitor or track the user's surroundings, usage, and even behavior as well as the operating modes of the smartphone in a time-dependent manner. Modern mobile smartphones include touch screens, accelerometers, gyroscopes, GPS, cameras, microphones, etc., making it possible to record a huge mix of situational parameters during the use of the mobile device. At the same time, modern automotive technology vehicles are able to detect a wide variety of operational or ambient parameters using, for example, radar, LIDAR (a measuring device for measuring distances by laser light), GPS (Global Positioning System), odometry (a measuring device for measuring changes in position over time by using motion sensor data), and computer vision. In modern automobiles, sophisticated control systems often interpret sensor information to identify obstacles and associated signs as well as the proper navigation path. These sensors may include active and passive sensing devices, and sensors are physical transducers that measure physical quantities and convert those measured physical quantities into signals that can be read by an observer or by other equipment, circuits, or systems.Sensors commonly used in automobiles or mobile cell phones include, for example, infrared sensors including infrared emitters, and infrared detectors used with, for example, touchless switches; passive infrared (PIR) sensors that react and detect only ambient infrared (IR) such as motion sensors; speed detectors such as microwave radars using the Doppler effect (where the reflected echo from a moving object is frequency shifted) or radar guns such as IR / laser radars that transmit multiple light pulses to determine the difference in the return time between multiple successive pulses to determine speed; ultrasonic sensors that emit sound and detect echoes to determine range; accelerometers that measure the rate of change of capacitance and convert it into acceleration by a test mass; gyroscopes that measure a mass oscillating back and forth along a first axis and along a plate on either side of the mass in a third direction where the capacitance changes when a rotation is detected about a second direction; Inertial Measurement Unit (IMU) sensors that provide a sensor with a full six degrees of freedom by using a combination of accelerometers and gyroscopes, for example force-sensing resistors for touch sensing, resistive, capacitive or surface acoustic wave sensing touch screens; GPS (Global Positioning System) sensors. The sensors may be SIM-based or RFID-based (Radio Frequency Identification) sensors, or environmental sensors such as moisture, humidity and temperature sensors.

[0003] The development of devices and user monitoring, also referred to as telematics and outlined above, is mirrored in the electronics, communications, and insurance industries by the rapid technological development of similar or even consistent technology strategies and components to improve the effectiveness of customer interactions. Social networking, telematics, service-oriented architecture (SOA), and usage-based services (UBS) all interact and drive this development. Social platforms such as Facebook, Twitter, and YouTube provide the ability to improve customer interactions and communicate product information. Meanwhile, the field of telematics is still expanding as telematics brings entirely new possibilities to match dynamic risk transfer, technology, and mobility problem specifications with technical input requirements. SOA and telematics are becoming the keys to manage the complexity of integrating known technologies and new applications. Technically, telematics is a combination of communication and information technology, and is a multidisciplinary technical term that encompasses communication, vehicle technology, road traffic, road safety, electrical engineering (such as sensors, instrumentation, wireless communication), and information technology (such as multimedia, Internet). Thus, the technical field of mobile parameter sensing, data aggregation, or telematics, includes a wide range of technologies, such as technologies for transmitting, receiving, and storing information by communication devices in connection with the control of remote objects, the integrated use of communication and information science, and the integrated use of communication and information for vehicular applications, such as GNSS (Global Navigation Satellite System) technology integrated with computers and mobile communication technology in automobile navigation systems, in the case of applications involving the control of moving vehicles. The use of such technologies with road vehicles is also referred to as vehicle telematics. In particular, telematics brings about the integration of mobile communication, vehicle monitoring systems, and location technologies by enabling new ways of capturing and monitoring real-time data.For example, usage-based risk transfer systems, such as those offered by Progressive's so-called Snapshot technology, link risk transfer coverage or insurance premiums to monitored driving behavior and usage information collected by in-car "telematics" devices. In the past five years, telematics devices have shown a 10-100-fold expansion in their use in automobiles. In such expanded platforms, telematics devices and systems can help increase safety and improve driving behavior.

[0004] Vehicle telematics refers to the installation or embedding of communication devices in mobile equipment such as automobiles and other vehicles to transmit real-time driving data that can be used by third-party systems, such as automated risk monitoring and risk transfer, to provide the required inputs needed to measure the quality and risk of individual drivers. Telematics equipment for such modifications is available with the latest technology. Vehicle tracking and Global Positioning Satellite System (GPS) technology are becoming commonplace, as are communication devices that allow us to be connected from almost anywhere. In particular, by interconnecting telematics with other real-time measurement systems, dynamically monitored and adapted risk transfer can be envisaged. The benefits offered by such systems may mean that, for example, after being involved in a car accident, emergency and roadside services can be automatically activated, the damage to the vehicle can be assessed, and the nearest repair shop can be contacted. In short, the customer experience can be transformed beyond the traditional interaction of risk transfer systems and insurance coverage to real-time navigation and monitoring, including automated activation of concierge services, safe driving tips, video-on-demand for kids in the back seat, in-car or online feedback, and real-time vehicle diagnostics.

[0005] It is worth noting that besides real-time research, insurance agents may wish to exchange information with customers associated with insurance companies for a number of different reasons. On the other hand, the exchange of information between customers and insurance companies, and / or between insurance companies and reinsurance companies, remains cumbersome and time-consuming, and thus the risk transfer that such structures result in is usually kept unchanged within a certain agreed upon time period. For example, an existing or potential consumer may access an insurance agent's web page to determine the annual or monthly cost of an insurance policy (e.g., hoping to save money or increase the level of protection by choosing a new insurance company). The consumer may provide basic information (e.g., name, industry, date of birth, occupation, etc.) to the insurance agent, which may use this information to request a premium quote from the insurance company. In some cases, the insurance company will simply respond to the insurance agent with a premium quote. In other cases, the insurance underwriter associated with the insurance company will ask the insurance agent to provide additional information so that a suitable premium quote can be generated. For example, an insurance underwriter may ask the insurance agent for other data such as how often, where, and when the vehicle is primarily used, or the age of the vehicle and its use (e.g., as a means of transportation), etc. Only after determining such additional information can the insurance company perform an appropriate risk analysis to process an adapted underwriting decision and / or premium pricing.

[0006] Integrated telematics technology can provide new technology areas, especially in risk transfer technology, where monitoring and steering by a centralized expert system can take the form of, for example, a much more accurate and profitable pricing model that such an automated expert system provides. This would create significant advantages, especially for systems that operate in real time and / or usage-based and / or dynamically. The benefits of such telematics systems are not limited to risk transfer, but also include advantages in fleet management, for example, where telematics monitors employee driving behavior to improve asset utilization, reduce fuel consumption, and improve safety. Other areas can benefit from such integrated telematics systems as well, as state and local governments strive to improve fuel consumption, emissions, and highway safety. For example, several states have recently issued pay-as-you-go (PAYD) regulations, which allow insurers to provide drivers with premiums based on actual and estimated mileage. Economic incentives lead to less driving.

[0007] Telematics technology already provides the above capabilities, such as accelerometers that allow drivers' style and behavior to be evaluated, expanding the number of risk factors typically tracked from the current 40 to over 100. As the demand for accelerometers increases, auto and equipment manufacturers can lower unit costs. The need for increased connectivity and access (driven by "always-on" consumers) will enable additional device applications. It is important to note that most technologies in the telematics ecosystem are not specific to vehicle insurance. Social listening, neighborhood protection portals, and home monitoring will impact how home and property insurance risks are assessed. Additionally, monitoring systems can be used to adjust the home's temperature controls or automatically dispatch a service provider if there is a water, heat, or air conditioning problem in the home. Telematics technology is also being developed for healthcare and senior living products, including location-based alerts, health monitoring, family tracking services that can be used in ways to assess individual risk, and enable optimized risk transfer in the life risk transfer technology field. Examples also include assistance from robot nurses designed to remind seniors about daily activities, guide them through their homes, and call for help in case of emergency. This type of application will continue to develop as technology becomes more reliable and cost-effective, and as the need for such solutions increases in the fields of elderly and home care.

[0008] The telematics technology used according to the present invention can also provide the foundational technology for Service-oriented architecture (SOA) or usage-based and / or user-based applications. Both technologies are considered to be among the most promising of today's technologies. SOA allows enterprises to configure their applications and computing resources (such as customer databases and supplier catalogs) as needed over an intranet or the Internet. Based on the concept of plug-and-play, SOA provides software components that are reusable across multiple technology platforms. SOA provides a new approach to software deployment while addressing serious problems such as complexity and ineffective data integration. This approach provides consistent technology that makes it easy to access data and integrate new content with previous content. Information and services are centralized and reusable, shortening development time and reducing maintenance overhead. When a software service (such as retrieving customer information) is required, the user or system sends a request to a directory, which determines the appropriate service name, location, and required format, and then returns the desired output (in this case, customer information). Users and other applications do not need to know the data processing or inner workings of the processes, and organizations do not need to own and maintain the software; they simply access the appropriate services via the Internet or a network or other data transmission network.

[0009] On the other hand, the telematics technology used according to the techniques of the present invention can also provide the base technology for other platforms, such as the loT (Internet of Things) platform, which provides a network of multiple physical devices, vehicles, buildings, and / or other items with embedded network connectivity that allows these objects to collect and exchange data. In particular, the loT allows multiple objects to be remotely sensed and controlled over existing network infrastructures, and allows for a more direct integration of the physical world into processor-driven systems and computer means. This integration leads to improved efficiency, accuracy, and economic benefits. Where the IoT includes sensors and actuators, the technology becomes a more general system class of physical systems in cyberspace, which may encompass technologies such as smart grids, smart homes, intelligent transportation, and smart cities. In the IoT, each thing is uniquely identified by its embedded computer system and can interoperate with the existing Internet infrastructure. The IoT provides advanced connectivity of devices, systems, and services that utilize Machine to Machine (M2M) communication, covering a variety of protocols, domains, and applications, which are incorporated herein by reference. The interconnection of these embedded devices (including smart objects) is applicable to automation in almost all fields, enabling advanced applications, as well as smart grids and smart cities. Things in the IoT refer to a variety of devices, but in particular to sensor-embedded automobiles, analytical devices for environmental monitoring, or field operation devices that can, for example, assist motorists in search and rescue operations. Thus, things in the IoT may include a mix of hardware, software, data, and / or services.Such devices collect useful data with the aid of various existing technologies and then autonomously transmit the data between multiple other devices. Current examples include numerous prototype autonomous or semi-autonomous vehicles currently being developed by Mercedes-Benz, General Motors, Continental Automotive Systems, IAV, Autoliv Inc, Bosch, Nissan, Renault, Toyota, Audi, Volvo, Tesla Motors, Peugeot, AKKA Technologies, University of Parma, University of Oxford, and Google, which use interconnected telematics devices with appropriate network technology, for example, to control, monitor, operate, and steer the semi-automated or fully automated vehicles.

[0010] In the prior art, US 9,390,452 B1 discloses a system and an apparatus for determining and sharing relative risks in an insurance pool between an insurer and multiple security vendors. Multiple predefined portions of the insurance pool are allocated between the insurer and the security vendor. The insurer's system aggregates loss information collected, for example, by telematics sensors of vehicles facing a risk, and transmits the loss information to the security vendor. The security vendor may use the results of the analysis of the telematics data to generate one or more recommendations that are provided to the policyholder. Within such recommendations, the policyholder may, for example, give advice to the driver of the vehicle or train the driver to improve the driver's behavior during the operation of the vehicle. The purpose of identifying multiple specific behaviors and targeting them for training and modification is to reduce possible losses under the insurance contract that the insurer, reinsurer, and / or security vendor would otherwise have. US 2016 / 0171521 A1 discloses an apparatus for determining the safest road segment for travel between a first location and a second location. A road segment safety rating is determined for a plurality of roads based on historical data (e.g., accident history data, traffic volume data, etc.) associated with the road segments and / or based on driving behavior data of the operator of the vehicle. An indication of the road segment determined to be the safest is provided to the operator of the vehicle. An actual traveled path of the vehicle is captured and compared to the safest path. If the vehicle traveled the safest route, the operator wins a prize. If the vehicle did not travel the safest route, the operator is notified that a prize could be won if the vehicle traveled the indicated safest route. Finally, US 2011 / 0153367 A1 shows a system for transmitting telematics data from a vehicle. A data port and an on-board diagnostics (OBD) port of the smartphone provide a communication link between the smartphone and a vehicle computer.A suitable smartphone owner holds the smartphone in a stable and known position and orientation relative to the vehicle, thereby allowing data from the smartphone's accelerometer to be calibrated. The smartphone's accelerometer data and telematics data from the vehicle's telematics sensors are then transmitted or stored locally by the smartphone. Summary of the Invention

[0011] An object of the present invention is to provide a mobile vehicle system that dynamically reacts in real time to captured environmental or operational parameters of the vehicle during operation, in particular to the measured parameters of the vehicle system, allowing a user to dynamically and in real time adapt the risk of operating or driving the vehicle by an automated risk transfer engine that dynamically selects an appropriate risk transfer profile based on monitoring, capturing and reacting to vehicle parameters during operation. Furthermore, an object of the present invention is to provide an automated telematics-based vehicle system that is dynamically triggered based on the real-time capture of vehicle telematics data. In particular, an object of the present invention is to extend existing technology to a dynamically triggered and dynamically adjustable multi-tier risk transfer system based on dynamically adaptable or even varying first tier level risk transfer, thereby raising the importance of developing an automated system that allows self-contained real-time reactive operation. Another object of the present invention is to provide a technique for technically capturing, processing and automating risk transfer structures that are dynamically adaptable and complex and difficult to compare by users, and for triggering operations related to the automation of optimally shared risks and transfer operations. Another object of the present invention is to dynamically synchronize and adjust said operations to changing environmental or operating conditions by invasive telematics data, based on a suitable technical trigger structure approach, by the coordinated use of telematics between those different risk transfer systems, making different risk transfer approaches comparable. In contrast to standard practice, the resource pooling system of different risk transfer systems allows to generate comparable risk transfer structures and to optimize risk transfer operations with a desired technology-based iterative accuracy that depends on the technical means, process flows and process controls / operations.While many technologies exist providing the individual elements along with the automated insurance telematics value chain, it is an object of the present invention to provide a holistic technical solution that covers the entire range from device installation and data collection to automated and accurate risk measurement, analysis and management. Finally, a further object of the present invention is to provide a dynamic expert scoring system based on real-time scoring and measurement, and further to provide a technically scalable solution based on scoring algorithms and data processing, allowing adaptation and comparison of the automated risk transfer transfer to other areas.

[0012] According to the invention, these objects are achieved in particular by means of the features of the independent claims, in addition, further advantageous embodiments can be derived from the dependent claims and the associated description.

[0013] According to the present invention, the above object of an intelligent self-adaptive mobile automobile system for a dynamic telematics-based connectivity lookup engine and telematics data aggregator is particularly achieved by providing an intelligent self-adaptive mobile automobile system for real-time risk monitoring based on captured and measured usage-based and / or user-based and / or operational automobile telematics data, comprising a dynamic telematics-based connectivity lookup engine and telematics data aggregator, which captures and classifies risk transfer profiles into a dynamically adapted result list, said result list being provided for display and selection by a mobile telematics application of a mobile communication device, said mobile communication device including one or more data transmission connections to a plurality of integrated sensors of said mobile communication device and / or an on-board diagnostic system of a motor vehicle or a motor vehicle telematics device, and said plurality of integrated sensors of said mobile telecommunication device and / or said on-board diagnostic system or said motor vehicle telematics device are connected to said plurality of integrated sensors of said mobile telecommunication device and / or said on-board diagnostic system or said motor vehicle telematics device. The device includes a proprioceptive sensor for sensing a plurality of operating parameters of the vehicle and an exteroceptive sensor for sensing a plurality of environmental parameters, a data link is established between the mobile telematics application as a client and an intelligent central vehicle circuit via a mobile communication network by a wireless connection of the mobile communication device, the mobile communication device acts as a wireless node in the mobile communication network, the plurality of operating parameters and the plurality of environmental parameters are measured and collected in a data flow path as vehicle telematics data during operation of the vehicle by the mobile telematics application via the mobile communication device and transmitted to the intelligent central vehicle circuit, the intelligent central vehicle circuit triggers, captures, and / or receives the plurality of operating parameters and / or the plurality of environmental parameters during operation of the vehicle by the mobile telematics application of the mobile communication device in the data flow path,and a telematics-driven core aggregator having a plurality of dynamically applied telematics databases for triggering monitoring, the intelligent central vehicle circuit including a driving score generator for measuring and / or generating a composite of single or multiple variable scoring parameters providing a physical risk measure of use and / or driving style and / or environmental conditions during operation of the vehicle based on the triggered, captured and monitored plurality of operational parameters and / or multiple environmental parameters, a shadow request is sent to at least a plurality of automated risk transfer supplier systems distributedly connected to the intelligent central vehicle circuit via a data transmission network, the shadow request includes risk related parameters based on the measured and / or generated single or composite set of variable scoring parameters, and a plurality of individualized risk transfer profiles are generated based on the generated single or composite set of variable scoring parameters measuring time dependent use and driving style and environmental conditions during operation of the vehicle. the shadow request is provided by the plurality of automated risk transfer supplier systems, the plurality of automated risk transfer supplier systems being time-dependently variable over time, and in response to the issued shadow request, the intelligent central vehicle circuit receives a plurality of individualized risk transfer profiles based on the dynamically collected single or composite set of variable scoring parameters, the intelligent central vehicle circuit dynamically captures and classifies the received plurality of individualized risk transfer profiles of the plurality of automated risk transfer supplier systems, the shadow request is periodically transmitted to the plurality of automated risk transfer supplier systems based at least on the dynamically generated single or composite set of variable scoring parameters, the result list is dynamically adapted and provided by the mobile telematics application for display and / or selection to the mobile communication device based on the triggered, captured and monitored plurality of operational parameters or plurality of environmental parameters during operation of the vehicle, and compared to a selected risk transfer profile,This is achieved by an intelligent self-adaptive mobile automobile system, which automatically adapts the user's risk transfer when a more favorable risk transfer profile is triggered. The central automobile circuit may, for example, include a real-time measurement system for detecting risk measurement patterns, which are compared by pattern recognition with the stored sample risk measurement patterns of the pattern database, and when triggering a particular risk measurement pattern, the composite of the single or multiple variable scoring parameters is dynamically adapted by the intelligent self-adaptive mobile automobile system during the operation of the automobile based on the triggered, captured and monitored multiple operating parameters and / or multiple environmental parameters, providing continuous monitoring of the physical risk measures of use and / or driving style and / or environmental conditions. The real-time measurement system may, for example, detect continuous and non-continuous patterns of risk measurement patterns, and the fragmented and stored sample risk measurement patterns of the pattern database are at least partially detectable by non-continuous pattern comprehensive recognition. The real-time measurement system may for example be configured to generate a control signal based on the measured and detected risk measurement pattern and to adjust the composite of the single or multiple variable scoring parameters providing a physical risk measure of use during operation of the vehicle and / or a driving style and / or an environmental condition based on the triggered, captured and monitored operational parameters and / or environmental parameters and to provide the control signal to a dynamically adapting adjustment means. The real-time measurement system may for example comprise an optical image transformation device for generating an optical multidimensional representation pattern of the measured risk measurement pattern, the real-time measurement system may for example be configured to:The optical multidimensional representation pattern may include an optical image detection device for optical pattern recognition of the measured risk measurement pattern. The optical image conversion device may be, for example, a line scan converter, and the optical multidimensional representation pattern is composed of a plurality of pixels arranged in one or more lines, each of the plurality of pixels having a pixel value corresponding to a physical characteristic of the area and representing the area of ​​the surface being imaged. The composite of single or multiple variable scoring parameters may be dynamically adapted, for example, until the intelligent self-adaptive mobile automobile system detects a certain maximum deviation or does not detect any deviation between a previous measurement of the composite of single or multiple variable scoring parameters and a subsequent measurement of the composite of single or multiple variable scoring parameters in a given time frame. The optical multidimensional representation pattern may include, for example, a discretized voxel structure in the form of a polyhedral mesh structure, and combinations of measured risk measurement patterns are mapped into the discretized voxels of the polyhedral mesh structure. The stored sample risk measurement patterns of the pattern database may for example be dynamically adapted by the self-learning structure of the real-time measurement system, and by triggering a newly occurring or identified risk measurement pattern, the composite of the single or multiple variable scoring parameters is dynamically adapted by the intelligent self-adaptive mobile automobile system which supplies the composite of the past single or multiple variable scoring parameters and the composite of the actual single or multiple variable scoring parameters of the real-time measurement system, and in case of adaptation, the newly occurring or identified risk measurement pattern is added to the stored sample risk measurement patterns of the pattern database, and the application of a trigger based on telematics data of the telematics-driven core aggregator is based on the triggered, captured and monitored multiple operating parameters and / or multiple environmental parameters,The risk transfer profile is dynamically adapted and optimized based on the stored sample risk measurement patterns of the pattern database and the newly emerging or identified risk measurement patterns providing a continuous and dynamically adapted monitoring of the physical risk measures and / or driving style and / or environmental conditions of use during operation of the vehicle.As a further variant, the mobile vehicle system captures the user specific generated risk transfer profile and categorizes the risk transfer profile in a result list, which is provided for display and selection to a user of the mobile communication device by a mobile telematics application, i.e. a cellular mobile node application, of the mobile communication device, the mobile communication device including one or more data transmission connections to the integrated sensors and / or on-board diagnostic system of the mobile communication device and / or interactive devices in the vehicle and / or vehicle telematics device of the vehicle, the integrated sensors and / or on-board diagnostic system of the mobile communication device and / or interactive devices in the vehicle and / or vehicle telematics device including proprioceptive sensors for detecting a plurality of operating parameters of the vehicle and / or exoceptive sensors for detecting a plurality of environmental parameters during operation of the vehicle. The mobile telematics application includes a vehicle telematics driven core aggregator using telematics database triggers, the mobile telematics application triggers, captures and monitors a plurality of operational parameters and / or a plurality of environmental parameters during operation of the vehicle in a data flow path of the integrated sensors of the mobile phone and / or the on-board diagnostic system and / or the interactive device in the vehicle and / or the vehicle telematics device of the vehicle, the mobile telematics application includes a score generator that measures and / or generates a composite of single or multiple variable scoring parameters profiling the usage and / or driving style and / or environmental conditions during operation of the vehicle based on the triggered, captured and monitored plurality of operational parameters or plurality of environmental parameters, and the data link includesThe system is established by a wireless connection of the mobile communication device between the mobile telematics application as a client and a central mobile circuit in a mobile communication network, the mobile communication device functions as a wireless node in the mobile communication network, the central mobile circuit automatically collects a composite of single or multiple variable scoring parameters, and the shadow request is transmitted to a plurality of automated risk transfer supplier systems distributed and connected to the central mobile circuit via a data transmission network, the shadow request including at least risk-related parameters and / or associated parameters based on a composite set or record of the measured and / or generated single or multiple variable scoring parameters, and in response to the issued shadow request, the central mobile circuit performs a shadow request based on the composite set of single or multiple variable scoring parameters dynamically collected in response to the issued shadow request, The central vehicle circuit dynamically captures and categorizes the received personalized risk transfer profiles of the automated risk transfer supplier systems, and the result list is dynamically updated and provided by the mobile telematics application for display and selection to the user of the mobile communication device based on the operational parameters or environmental parameters triggered, captured and monitored during the operation of the vehicle. The personalized risk transfer profiles provided by the automated risk transfer supplier systems may vary in a time-dependent manner based on time-dependent usage and / or driving style and / or environmental conditions measured by the operational parameters or environmental parameters triggered, captured and monitored during the operation of the vehicle. The composite set of single or multiple variable scoring parameters generated by the driving score module together with profiling the usage and / or driving style and / or environmental conditions during the operation of the vehicle may include, for example, at least scoring parameters measuring a driving score and / or a situational score and / or a vehicle safety score. The variable driving score generated by the driving score module may be based on measurements of driver behavior parameters including, for example, at least, speed and / or acceleration and / or braking and / or cornering and / or jerks and / or distraction parameters including use of a mobile phone while driving, and / or fatigue parameters and / or drug use parameters. The variable situational score may be based on, for example, at least, road type and / or number of intersections and / or number of tunnels and / or number of uphill sections, and / or measured travel time parameters, and / or measured weather parameters and / or measured location parameters, and / or measured distance driven parameters. The variable vehicle safety score may be based on, for example, at least, measured ADAS feature activation parameters and / or measured vehicle crash test rating parameters and / or measured level of vehicle automation parameters and / or measured software riskiness score parameters.The mobile vehicle system for dynamic telematics-based connection search engine and telematics data aggregator may further include, for example, a linked or electronically associated rating engine for the transmitted risk transfer profile of the first risk transfer system. The score generated by the collected telematics data of the driving vehicle directly influences the premium / offer / quote that the first risk transfer system makes to the potential policyholder. The rating engine may be realized, for example, to generate a hierarchical list in the dynamic result list based on the rating parameters of the rating engine. The automated risk transfer supplier system may include an associated automated first risk transfer system for providing a first risk transfer based on the first risk transfer parameters from the vehicle to the respective first risk transfer system, the first risk transfer system including a plurality of payment transfer modules, the plurality of payment transfer modules being configured to receive and store the first payment parameters associated with the risk transfer of the risk exposure of the vehicles to pool the risk of the vehicles. The risk related parameters of the shadow request may include at least the triggered, captured and monitored operational parameters or environmental parameters. and a single or composite set of variable scoring parameters generated based on usage-based and / or user-based and / or operational vehicle data generated by a mobile telematics application of the mobile communication device. The one or more wireless or wired connections of the mobile communication device may comprise, for example, Bluetooth as a wireless connection for exchanging data using short wavelength UHF (ultra-high frequency) radio waves in the ISM (industrial, scientific and medical) radio band from 2.4 GHz to 2.485 GHz, by building a Personal Area Network (PAN) using an in-vehicle Bluetooth (registered trademark) capability and / or 3G and / or 4G and / or GPS and / or Bluetooth (registered trademark) LE (low energy) and / or Wi-Fi 802.11 standard based on BT and / or contactless or contact smart cards and / or SD cards (secure digital memory cards) or other non-volatile memory cards.

[0014] As a variation of one alternative embodiment, the mobile communication device, such as a smartphone device, may include as integrated device components, for example, all proprioceptive sensors and / or measuring devices for sensing the operating parameters of the vehicle and / or exteroceptive sensors and / or measuring devices for sensing the environmental parameters during operation of the vehicle. The mobile communication device may include, for example, at least a GPS module (Global Positioning System) and / or a geological compass module based on a 3-axis Teslameter and a 3-axis accelerometer, and / or a gyro sensor or gyrometer, and / or a MEMS accelerometer sensor including or consisting of a cantilever beam with a seismic mass as a proof mass for measuring the appropriate acceleration or g-force acceleration, and / or a MEMS magnetometer or a magnetoresistive permalloy sensor or other 3-axis magnetometer. The defined risk events associated with the transferred risk exposure of the motor vehicle may, for example, include at least a transferred risk exposure associated with a risk transfer of liability for damage and / or loss and / or delivery delay, and the incurred loss is automatically compensated by the first risk transfer system based on a plurality of first risk transfer parameters and a plurality of correlated first payment transfer parameters (if the requested risk transfer is not rejected by the system at this point in time). The exteroceptive sensor or measuring device may, for example, include at least a radar device for monitoring the surroundings of the motor vehicle, and / or a LIDAR device for monitoring the surroundings of the motor vehicle, and / or a global positioning system or vehicle tracking device for measuring positioning parameters of the motor vehicle, and / or an odometer measuring device for supplementing and enhancing the positioning parameters measured by the global positioning system or vehicle tracking device, and / or a computer vision device or a video camera for monitoring the surroundings of the motor vehicle, and / or an ultrasonic sensor for measuring the position of objects in the vicinity of the motor vehicle.To provide the wireless connection, the mobile communication device may act as a wireless node in a corresponding data transmission network, for example by an antenna connection of the mobile communication device, in particular a mobile communication network such as a 3G, 4G, 5G, LTE (Long Term Evolution) network or a mobile WiMAX or other GSM / EDGE and UMTS / HSPA based network technology, more specifically a mobile communication network with a suitable identification means such as a SIM (Subscriber Identity Module). The mobile communication device and the monitoring cellular mobile node application may be connected, for example, to an in-vehicle diagnostic system and / or an in-vehicle interactive device, and the mobile communication device captures vehicle and / or user usage-based and / or user-based vehicle data. The mobile communication device provides the one or more wireless connections by a positioning system including a Radio Data System (RDS) module and / or a satellite receiving module and / or a digital radio service module communicating with the radio data system or positioning system or cellular telephone module and / or a mobile telephone module including a language unit. The satellite receiving module may, for example, include a Global Positioning System (GPS) circuit, and / or the digital radio services module may include at least a Global System for Mobile Communications (GSM) unit. The interfaces of the mobile communication device for connecting to at least one of the data transmission buses of the motor vehicle may include at least an interface for connecting to a Controller Area Network (CAN) bus of the motor vehicle, which may, for example, be connected to an On-Board Diagnostics (OBD) port or other connection, for example, for battery-powered devices, or an OEM (Original Equipment Manufacturer) built-in system for obtaining information access to on-board sensors or an entertainment system (such as, for example, Apple CarPlay) that provides the required vehicle sensor information.The central vehicle circuit may further include an aggregation module, which provides the risk exposure for one or more of the pooled risk-exposed vehicles based on the captured risk-related vehicle data, and the first and / or second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically generated based on the likelihood of occurrence of a predefined risk event for the pooled vehicles. In addition, the occurring and triggered losses may be automatically aggregated by the captured loss parameters of the measured occurrence of risk events for all risk-exposed vehicles during a predefined time period by increasing the associated stored aggregated loss parameters to automatically aggregate the received stored first payment parameters for all risk-exposed vehicles during a predefined time period by increasing the associated stored aggregated loss parameters, and the variable first and / or second risk transfer parameters and the correlated first and / or second payment transfer parameters are dynamically generated based on the ratio of the aggregated loss parameters and the aggregated payment parameters. The first risk transfer system and the second risk transfer system may be steered, triggered, signaled and mutually activated, for example, by a central motor vehicle circuit, said steering, triggering, signaling and activation being based on first payment transfer parameters and second payment transfer parameters correlated with dynamically adaptable first risk transfer parameters and second risk transfer parameters, to provide self-contained risk protection for a variable number of motor vehicles associated with the mobile communications device, via the combined first insurance system and second insurance system.In connection with the first risk transfer and the second risk transfer, the first risk transfer system (insurance system) may, for example, include an automated first resource pool system, and the second risk transfer system includes an automated second resource pool system (reinsurance system), the exposed vehicles are connected to the first resource pool system by a plurality of payment transfer modules, the plurality of payment transfer modules are configured to receive and store first payments from the exposed vehicles for a pool of risk exposures of the exposed vehicles, the first risk transfer system provides automated risk protection to each of the connected exposed vehicles based on the received and stored first payment parameters, the first risk transfer system is connected to the second resource pool system by a plurality of second payment transfer modules, the plurality of second payment transfer modules are configured to receive and store second payment parameters from the first insurance system for the first risk transfer system to adopt a portion of the accumulated risk exposure, and in the event of the occurrence of one of the defined risk events, the incurred loss is automatically compensated by an expert system-based vehicle system.

[0015] One of the advantages of this system is that it provides a technical and comprehensive solution to perform scoring of individual drivers based on telematics data. Based on the score and other relevant telematics data, which are visible to the consumer and the insurance company (if the consumer agrees), the insurance company can provide a quote. Furthermore, the invention provides a completely transparent application of complex risk transfer assessment, where a mobile telematics application running on a mobile phone, i.e. a cellular mobile node application, dynamically collects data as people drive. Users can simply download the mobile node application from an appropriate app store in the network. The invention makes it possible to offer a risk transfer system or a system that is not linked to the associated insurance company, for example, as a telematics-based value-added service. The invention does not have to be limited to cellular mobile node applications, but may be aftermarket telematics devices or OEM-embedded devices. Aftermarket devices may include, for example, windscreen devices, black boxes, OBD dongles, CLA devices (cigarette lighter adapters), eCall OBUs, and / or navigation systems as standalone units or with a link to the cellular phone node application of the invention. Smartphone projection standards allow mobile devices running certain operating systems to be operated in automobiles by in-dash head units. Examples include Apple Carplay, Mirrorlink, Android Auto, and / or in-car navigation systems. Other aggregator devices include, for example, embedded OEM devices and / or infotainment systems and / or in-dash head units and / or automobile touch screens (e.g., in automobiles such as Tesla).The data may be analyzed, for example, by a third party to provide a driving style scoring and then transferred to the primary insurer's partner, who can give a quote based on the obtained score. It may also contain other relevant data that the insurers can use to discern and steer their insurer's portfolio. In this way, the system of the present invention allows the provider / aggregator to bring new telematics consumers to the insurer, who can dynamically select an insurance provider based on these quotes. Telematics vehicle data allows a huge number of risk factors to be dynamically captured in addition to those considered by the prior art systems. Such risk factors may be, for example, time-dependent speed measurements, hard braking, acceleration, cornering, distance, mileage (PAYD), short journeys, time of day, road and terrain type, cell phone use (while driving), weather / driving conditions, location, temperature, blind spots, local driving, sun angle and dazzling sun information (such as the sun shining on the driver's face), seat belt status, rush hour, fatigue, driver confidence, throttle position, lane changes, fuel economy, VIN (Vehicle Identification Number), slalom, excess RPM (revolutions per minute), off-road, G-forces, brake pedal position, driver attention, CAN (Controller Area Network) bus ( may include vehicle (bus) parameters, distance from other vehicles, distance from obstacles, driver alertness, activation / use of automated features, activation / use of advanced driver assistance systems, traction control data, headlight and other light use, turn signal use, vehicle weight, number of passengers in the vehicle, traffic sign information, intersections, amber and red light traffic light activation, alcohol concentration detection devices, drug detection devices, driver distraction, driver aggressiveness, driver mental and emotional state, headlight glare from other vehicles, car door status (e.g., open / closed), windshield visibility, lane position, lane selection, vehicle safety, driver mood, and / or passenger mood.So far, none of the prior art systems have been able to process such a variety of dynamically monitored risk-related data. The inventive system is fully flexible with respect to the vehicles or insureds exposed to risk. For example, the inventive system can offer a free risk transfer or trial period of 1 or 2 months for the vehicle and / or the consumer. The consumer can then select an insurance company (insurance provider) based on these quotes. Based on its flexibility, the applicability of the present invention is not limited to risk transfer in the context of vehicles, but can also be applied to other areas of risk transfer. The present invention makes it possible to provide an automated telematics-based risk transfer platform (enabling a nearly fully automated risk transfer including policy issuance, claims processing, etc.). As mentioned above, the second risk transfer system and / or the first risk transfer system associated therewith can offer a free trial period (e.g. 1-2 months) to a potential customer (such as a potential insurance policyholder), benefiting all parties. In this way, the present invention makes it possible to enable a feature as a TBYB (Use Before You Buy) feature, which is not possible for competing risk transfers by the prior art systems. Furthermore, the system and platform of the present invention provide the end customer with the option to freely select risk transfer providers and insurance products (e.g., Pay how you Drive (PHYD)) or Pay as you Drive (PAYD)) based on these estimates. In the case of PHYD, the risk transfer system may, for example, provide tariff discounts based on individual driving behavior (e.g., how much a driver brakes, accelerates, turns, etc.). This discount is based on the telematics devices installed in the vehicles and the corresponding captured telematics data, which measure behavior and location over time. In the case of PAYD, the risk transfer system may, for example, provide tariff discounts based on mileage (e.g., how much a driver drives), rather than where and how.The advantage of multiple generated score parameters is that the data components of the score can include, for example, customer policy details, individual driving data, collision crime data, credit score, statistical driving data, past claims data, market, database, driver license points, statistical claims data, weather or situational data related to road type or environment, reflecting the captured sensor data. This extensive monitoring capability further allows to provide a technical solution using an optimized coupling of two automated risk transfer systems with better and more efficient technical implementation, thereby allowing to share and minimize the required vehicle resources by sharing experts and development means to generate minimized conditions for the pooling of necessarily required resources (such as pooled insurance premiums), and to provide a unified, optimized, multi-layered risk transfer approach. The present invention provides a holistic technical solution covering the entire range of risk transfer architecture from sensor and ADAS (Advanced Driver Assistance System or Active Safety) data collection to automated risk transfer system / coverage and accurate risk analysis for value-added services (e.g. stolen vehicle recovery, post-accident service, crash reporting, driver coaching, eCall / bCall, rewards, driver scoring, real-time traffic information, fuel consumption, social networking, last mile functionality, car sharing solutions, etc.), which is not possible with prior art systems. Further possible value-added services that can also be enabled by the present invention are, for example, stolen vehicle recovery, stolen vehicle tracking, post-accident services, crash reporting, driver coaching / training, eCall / bCall, rewards, real-time feedback, driver scoring, driver safety training, real-time traffic information, remote diagnostics, fuel economy, POS services, social networking, scheduling and dispatch, geofencing, repair cost calculation, fleet management and tracking, mapping of specific services (e.g. preferred nearby restaurants), AV / ADAS, and shared mobility services such as, for example, hailing a ride, car sharing, etc.The present invention provides an automated risk transfer system for any kind of risk transfer schemes, such as for example automotive or product liability insurance (reinsurance) systems and / or risk transfer systems associated with or dependent on partially or fully automated vehicles. The present invention also provides a holistic and unified automated technical approach for automotive coverage in all different structures of risk transfer, such as product liability, driver liability coverage, etc. for automotive and / or technology manufacturers. Furthermore, the present invention also provides a holistic technical solution covering the whole range from the installation of automotive control circuits and / or telematics devices and / or apps to automated and accurate risk measurement, analysis and management. Finally, based on real-time scoring and measurement, it is possible to provide a dynamic expert system-based or machine learning-based scoring system, and further a technically scalable solution based on scoring algorithms and data processing that allows adapting the signaling to other areas of automated risk transfer. The present invention, enhanced by situational data, is able to provide the best and best optimized technical solution for a multi-layered risk transfer system adapted in real time. The present invention allows to capture and control the driver's scoring behavior and to compare the behavior among technical operations and situations. The present invention allows to automatically capture the risk score according to location and movement, and to automatically analyze and react to the data regarding the need for value-added services such as accident notification and / or feedback to the driver and / or automated fleet risk reporting and / or automated dynamically optimized underwriting. As an alternative embodiment variant, the score driving module can automatically capture the risk score according to measured maintenance and monitoring factors (such as, for example, maintenance failures by the owner) extracted from vehicle data related to the use of the vehicle or active safety features.The telematics-based feedback means of the system may include, for example, a dynamic alert feed by data link to the vehicle's vehicle control circuitry, and the head-up device of the central vehicle circuitry immediately alerts the driver of multiple performance measures including, for example, high RPM, i.e., high revolutions per minute as a measure of the frequency of the motor rotation of the vehicle's engine, erratic driving, unnecessary engine power, aggressive acceleration, road anticipation, and / or ECO driving. The vehicle system dynamically and in real-time, i.e., as they occur, provides risk adaptation and improvement opportunities in relation to the vehicle's risk patterns (e.g., location, speed, etc.). Providing immediate feedback to the driver by head-up training assistance and obtaining information directly transmitted to the mobile telematics device ensures a two-pronged approach to correcting risky (and often expensive) driving habits. In this way, the vehicle system acts as a first risk transfer system and a second risk transfer system. Not only does it allow mutual optimization of the operational parameters of the system, but it also optimizes risk and / or risk behavior at the level of the vehicles exposed to risk. None of the prior art systems allow such integrated real-time optimization. As another value-added service, the vehicle system can dynamically generate, for example, claim notices or fleet risk reports for selected vehicles. Such fleet risk reports automatically generated by the vehicle system provide a new approach to share and compare statistical data of vehicles. For example, the proposed invention on risk transfer (insurance (reinsurance)) instruments for vehicles motivates carriers (first-tier risk transfer systems) to provide vehicle data and claim history to the second-tier risk transfer system in order to continuously improve the scoring service, which benefits the carriers by helping to reduce costs and combination ratios. Finally, the present invention has great flexibility compared to traditional prior art systems. For example, some traditional aggregator systems usually include a fee. Instead of a fee, the system of the present invention may be realized based on the agreement of the second-tier risk transfer system with the first-tier risk transfer system involved.

[0016] In an alternative embodiment, the central expert system based circuit includes a table with stored classification trigger parameters for triggering predefined levels of scores, and the first and second risk transfer parameters and the correlated first and / or second payment transfer parameters are automatically adapted and / or accumulated by the central expert system based circuit based on the triggered classification of the driving vehicles in use and based on usage-based and / or user-based and / or operational vehicle data captured from a plurality of driving vehicles. This embodiment has the advantage, among others, of making it possible to provide a new unified approach for automated risk transfer of risk associated with exposed vehicles, taking into account dynamically measured usage-based parameters, allowing new optimizations at the level of exposed vehicles and at the level of operational pools of risk exposure of the first and / or second risk transfer systems.

[0017] In one alternative embodiment, the driving score module triggers and automatically selects the score of the driving parameters based on the score of the defined driving behavior pattern by comparing the captured vehicle data with the score of the defined driving behavior pattern. The driving score module may further automatically capture a risk score according to the measured location or movement of the vehicle, for example based on the captured vehicle data of a mobile telematics device associated with the vehicle. This alternative embodiment has the advantage, among others, of making it possible to provide a multi-layered risk transfer system adapted in real time. Furthermore, it makes it possible to capture and / or control the score of the driving behavior (also in the sense of the location, time, road, etc. where the driving is performed) and to compare the behavior within the scope of its technical operation and situation. It makes it possible to automatically capture the scored risk according to the location or movement and to automatically analyze and react to the data associated with the need for additional services, such as accident notification.

[0018] In one alternative embodiment, the mobile telematics application and / or the central vehicle circuitry includes additional triggers that trigger accident notification and / or other additional services based on captured vehicle data of the vehicle's associated mobile communication device. This alternative embodiment has the advantage, among other things, that the system can provide additional benefits to customers based on the additionally generated signaling.

[0019] In another alternative embodiment, the switching device includes a capture means for capturing the transfer of payments from the first insurance system to the second payment transfer module, and the trigger structure of the second layer of the system is activated by triggering the payment transfer corresponding to a predefined activation threshold parameter. In another alternative embodiment, in case of triggering the occurrence of a loss associated with the occurrence of a defined risk event, a predefined portion of said incurred loss is compensated by the second insurance system based on the second risk transfer parameter and the correlated second payment transfer parameter. In this way, it is possible to implement the invention using proportional or non-proportional risk transfer as a coupling mechanism between the first and second risk transfer systems, where under proportional risk transfer coupling, the second risk transfer system is activated by the switching device for a certain percentage of each risk transferred to the first risk transfer system and each loss transferred to the risk transfer system. The second risk transfer system thus receives its certain payment transfer from the first risk transfer system according to the second payment transfer parameter. Under non-proportional risk transfer coupling, if an exceedance of a defined activation threshold parameter associated with the occurrence of a defined risk event is triggered, the incurred loss is at least partially compensated by the second insurance system based on a second risk transfer parameter and a correlated second payment transfer parameter. The activation threshold may be associated with each single loss incurred or may be associated with an accumulated loss measured by an aggregated loss parameter. In this way, non-proportional coupling can be realized by a loss excess or loss excess risk transfer structure, where the excess of loss structure may be based, for example, on a per risk XL (Working XL), per occurrence / event XL (Catastrophe XL or Cat XL), or an Aggregate XL structure.As a more specific alternative embodiment, periodic payment transfers from the risk exposure components to the resource pool system by the multiple payment receiving modules are requested by a monitoring module of the resource pool system, and risk transfer or risk protection for the risk exposure components is suspended by the monitoring module when periodic transfers are no longer detected by the monitoring module. As an alternative, periodic payment transfer requests may be automatically suspended or abandoned by the monitoring module when the occurrence of an indicator for a risk event is triggered in the data flow path of the risk exposure components. These alternative embodiments have the advantage, among others, that the system allows further automation of monitoring operations, especially those related to pooled resources.

[0020] In another alternative embodiment, the independent verification risk event trigger of the first resource pool system and / or the second resource pool system is activated if the occurrence of an indicator of a risk event is triggered in the data flow path of the mobile communication device or the central vehicle by multiple risk event triggers, and the independent verification risk event trigger further triggers in the case of occurrence of multiple indicators related to a risk event in the alternative data flow path with independent measurement parameters from the primary data flow path for the example of the alternative telematics device to verify the occurrence of the risk event in the vehicle exposed to risk. In this alternative, if the occurrence of a risk event in the risk exposure component is verified by the independent verification risk event trigger, the transfer of the payment is only allocated to the vehicle exposed to the corresponding risk. These alternative embodiments have the advantage, among others, that the operational and financial stability of the system can be improved in this way. In addition, the system does not provide vulnerability to fraud and counterfeiting.

[0021] In general, the system may for example include a capture means for capturing an assigned payment transfer to one of the two risk transfer systems from a first insurance system to a second payment transfer module, the assigned second insurance system being activated and the risk exposure of the first insurance system associated with the assigned risk transfer tier being transferred to the second insurance system. This alternative embodiment has the further advantage, inter alia, that the second insurance system can be activated separately, allowing for a controlled and separate risk transfer and risk compensation from the first resource pool system to the second resource pool system.

[0022] In another alternative embodiment, the first insurance system includes an interface module for accessing and adapting the assigned operational parameters prior to the transfer of the payment parameters from the first resource pool system to the second resource pool system. This alternative embodiment has the advantage, among others, that the risk transfer structure can be dynamically adjusted and further that the risk transfer structure can be directly selected and / or additionally optimized by the first insurance system or the second insurance system.

[0023] In yet another alternative embodiment, the central vehicle circuit may include means for processing risk-related vehicle driving data and, in particular, providing data on the probability of risk exposure for one or more pooled risk vehicles based on the risk-related vehicle data, and dynamically determine the receipt and pre-conditioned storage of payments from the pooled risk vehicles for pooling the risks of the pooled risk vehicles based on the total risk and / or the probability of risk exposure of the pooled risk vehicles. This alternative embodiment has, among other advantages, the advantage that the operation of the first resource pool system and / or the second resource pool system can be dynamically adjusted to changes in the conditions related to the pooled risk, such as changes in the environmental conditions or risk distribution of the pooled vehicles. A further advantage is that the system does not require any manual adjustments when the system is operated in different environments, locations, or countries, since the size of the payment for the pooled risk vehicles is directly related to the total pooled risk. However, it is important to note that the present invention does not necessarily lead to adjusted pricing or premiums. For example, it is possible to automatically provide coupons to automated vehicles that travel in low-risk areas, or to provide no change at all, but the system can use the vehicle's data to automatically decide whether to continue risk transfer for the next year. The invention may also be used exclusively to automatically provide and activate tailored and / or specifically selected value-added services such as claims notification and / or accident notification and / or vehicle or driver feedback and / or automated fleet risk reporting and / or automated dynamically optimized underwriting. In this way, the invention allows risk adaptation at the insured vehicle level together with a first risk transfer tier or system risk adaptation (e.g., by risk-based driver real-time feedback) and / or a second risk transfer tier or system risk adaptation.No prior art system exists that allows for such optimization and / or adaptation. For example, the feedback can be generated by comparing the vehicle's profile and patterns with those of other vehicles at the same location and / or under comparable conditions.

[0024] In an alternative embodiment, the system may include means for processing risk-related component data and providing information on the risk exposure potential of one or more pooled risk-exposed vehicles based on risk-related vehicle data, and dynamically determine the receipt and pre-conditioned storage of a payment from the first resource pool system to the second resource pool system for the transfer of the risk based on the total risk and / or the risk exposure potential of the pooled risk exposure components. This alternative embodiment has the advantage that it is possible to dynamically adjust the operation of the first resource pool system and / or the second resource pool system to changes in the conditions of the pooled risk, such as changes in environmental conditions or risk distribution, among others. A further advantage is that the system does not require any manual adjustments when it is operated in different environments, locations or countries, since the size of the risk exposure component payment is directly related to the total pooled risk.

[0025] In an alternative embodiment, the number of pooled vehicles is dynamically adjusted by the first risk transfer system to the extent that the non-covariant occurring risks covered by the risk transfer system affect only a relatively small percentage of the total pooled risk exposure composition at any given time. Similarly, the second risk transfer system can dynamically adjust the number of pooled risk shares transferred from the first risk transfer system, for example, to the extent that the non-covariant occurring risks covered by the second risk transfer system affect only a relatively small percentage of the total pooled risk transfer from the first risk transfer system at any given time. This alternative variant has the advantage, among other things, that it can improve the operational and financial stability of the system.

[0026] In one alternative embodiment, the risk event triggers are dynamically adjusted by the operational module based on time-correlated incidence data for one or more predefined risk events. This alternative embodiment has the advantage, among other things, that improvements in capturing risk events or avoiding the occurrence of such risk events, such as by improved predictive systems, can be dynamically captured by the system based on the sum of the component risks of the pooled risk exposure and dynamically affect the overall operation of the system.

[0027] In another alternative embodiment, at the time of each trigger of an occurrence in which a parameter indicative of a predefined risk event is measured, at least one risk event trigger allocates a total parametric payment with that trigger, and the total allocated payment becomes transferable at the time of the trigger of that occurrence. The predefined total payment may be leveled to any suitable defined total amount, such as, for example, a predefined value, or any other total amount related to the amount of the total transferred risk and the periodic payment of the vehicles exposed to the risk. This alternative has, among other advantages, the possibility of making the parametric payment or the payment of the predefined amount dependent on a fixed amount. Furthermore, the parametric payment may allow that the adjusted total payment depends, for example, on the stage of the occurrence of the risk event triggered by the system. [Brief description of the drawings]

[0028] The invention will now be explained in more detail, by way of example, with reference to several drawings, in which:

[0029] [Figure 1] Figure 1 shows a block diagram that illustrates, for example, the operational flow and processing steps according to one embodiment of the present invention according to Figure 2. The illustrated operational flow and processing steps may be a central car circuit 11 or a mobile telematics application 101 implemented in a mobile communication device 10. A mobile telematics application 101 may have the advantage of being faster to implement.

[0030] [Diagram 2]Fig. 2 shows a schematic block diagram of an exemplary mobile automobile system 1 having a mobile communication device 10 in association with a number of automobiles 41,...,45 capturing measured parameters in real time and dynamically adapting their operating parameters. In particular, Fig. 2 shows the mobile automobile system 1 having a mobile communication device 10 including one or more wireless connections 105 and a number of interfaces for connection to at least one of the vehicle's data transmission buses and / or sensors and / or measuring devices 102 and / or speakers 1021 and / or microphones 1022. The mobile communication device is connected to an in-vehicle diagnostic system 431, ..., 435, and / or an in-vehicle interactive device 441, ..., 445, and / or an automobile telematics device 451, ..., 455, and the mobile communication device 10 captures usage-based (31) and / or user-based (32) telematics data 3 of the automobiles 41, ..., 45 and / or users 321, 322, 323 and transmits the captured data to a central automobile circuit 11 via a data transmission network 2.

[0031] [Diagram 3]3 shows a schematic block diagram of an exemplary dynamically adaptable automotive system 1 having mobile communication devices 10 assigned to multiple hazardous vehicles 41,...,45 according to an alternative embodiment of the present invention. The mobile communication devices 10 obtain usage-based (31) and / or user-based (32) telematics data 3 of the vehicles 41,...,45 and / or users 321, 322, 323 by means of a mobile telematics application 101 and transmit the telematics data 3 to a central automotive circuit 11 via a data transmission network 2. The system 1 can capture multiple different types of telematics data 3, such as driving behavior from the users and / or whether the vehicles 41,...,45 are driving themselves (i.e., autopilot) and / or whether the vehicles 41,...,45 are intervening their automated or safety functions. If the mobile communication device 10 captures data 3 from the vehicle 41,...,45 itself, it can supplement the telematics data 3 about whether the vehicle 41,...,45 is driving itself and / or whether the vehicle 41,...,45 is intervening its automated or safety functions. The mobile communication device 10 or the mobile telematics application 101 can generate the data 3 itself provided by the on-board diagnostic system, for example by means of their own sensors and / or sensors of the vehicle's systems. As can be seen from FIG. 3, the central vehicle circuit 11 is implemented as a separate part of the mobile vehicle system 1 or as part of the second risk transfer system 13, in which case the mobile telematics application 101 is provided by the second risk transfer system 13 to the first risk transfer system 12 and / or the vehicles 41, ..., 45 exposed to risk in exchange for having access to the captured telematics data 3 and / or the captured bill or loss data 711, ..., 715 / 721, ..., 725 / 731, ..., 735.As also shown in FIG. 3, the mobile automobile system 1 may include one first risk transfer system 10 or multiple first risk transfer systems 10a-10d that are all associated with the same second risk transfer system 12.

[0032] [Figure 4] Fig. 4 shows another block diagram that illustrates in schematic form an exemplary dynamically adaptable vehicle system 1 having a mobile communication device 10 associated with vehicles 41,...,45 exposed to multiple risks according to an alternative embodiment of the present invention. In particular, Fig. 4 shows a central vehicle circuit 11. The mobile communication device 10 captures usage-based (31) and / or user-based (32) telematics data 3 of the vehicles 41,...,45 and / or users 321, 322, 323 and transmits the captured telematics data 3 via a data transmission network 2 to the central vehicle circuit 11, where the mobile communication device 10 cooperates with the combined first risk transfer system 12 and second risk transfer system 13.

[0033] [Diagram 5] FIG. 5 shows a block diagram that illustrates in schematic form an exemplary mobile telematics application 101 and the capture of real-time telematics data. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0034] Fig. 1 shows in a schematic way an architecture for a possible implementation of one embodiment of a dynamically triggered vehicle system and a multi-layered risk transfer / prediction system 1 for vehicles, in particular by a mobile communication device 10 running a mobile telematics application 101 and a central vehicle circuit 11, providing a dynamic telematics-based connection search engine and telematics data aggregator. The mobile vehicle system 1 reacts dynamically and self-adaptively in real time to the captured environmental or operating parameters 3, in particular to the monitored and captured vehicle parameters 3 of the vehicles 41,...,45 during operation. The invention can further provide a telematics-based automated and dynamic risk measurement, risk transfer, and warning and real-time notification system for the vehicles 41,...,45, and wireless technologies used from a telematics perspective. Finally, the inventive system 1 also provides a telematics-based real-time expert system. In this manner, the system 1 of the present invention provides an architecture for using telematics in conjunction with real-time risk measurement, risk monitoring, and automated risk transfer systems based on captured and measured usage-based and / or user-based telematics data 3.

[0035] To provide a dynamic telematics-based connectivity search engine and telematics data aggregator, the mobile automobile system 1 captures and categorizes the risk transfer profiles 124 in a result list 118 that is provided by the mobile telematics application 101 of the mobile communication device 10 for display and selection by the user of the mobile communication device 10. For the purposes of the present invention, the term "search engine" refers to a system for facilitating active or passive search or information provision (e.g., accessible risk transfer profiles) and / or one or more transactions, e.g., risk transfers associated with that information. This result list 118 is a result list 118 with the risk transfer profiles 124 generated by the first risk transfer system 12 and the appropriate first payment transfer parameters 1221,...,1225, and their pricing based on the scores of the driving behavior and driving parameters 1111,...,1117, e.g., collected during a predefined trial period. Moreover, for purposes of the present invention, the term "real-time" refers to a process that is essentially instantaneous or interactive (as opposed to a process that occurs relatively slowly, such as in a "batch" or non-interactive manner).

[0036] The mobile communication device 10 includes one or more data transmission connections to its integrated sensors 102, ..., 109 and / or its on-board diagnostic system 431, ..., 435 and / or its in-vehicle interactive devices 441, ..., 445 and / or its vehicle telematics devices 441, ..., 445 of the vehicle 41, ..., 45. The integrated sensors 102, ..., 109 and / or its on-board diagnostic system 431, ..., 435 and / or its in-vehicle interactive devices 441, ..., 445 and / or its vehicle telematics devices 451, ..., 455 of the mobile communication device 10 include a proprioceptive sensor 4021 for sensing a plurality of operating parameters 40121 of the vehicle 41, ..., 45 and / or an exteroceptive sensor 4011 for sensing a plurality of environmental parameters 40111 during operation of the vehicle 41, ..., 45. The exteroceptive sensors or measuring devices 4011 may, for example, include at least a radar device 40117 for monitoring the surroundings of the motor vehicles 41, ..., 45, and / or a LIDAR device 40115 for monitoring the surroundings of the motor vehicles 41, ..., 45, and / or a global positioning system 40122 or a vehicle tracking device for measuring positioning parameters of the motor vehicles 41, ..., 45, and / or an odometry measuring device 40114 for supplementing and enhancing the positioning parameters measured by the global positioning system 40112 or the vehicle tracking device, and / or a computer vision device 40116 or a video camera for monitoring the surroundings of the motor vehicles 41, ..., 45, and / or an ultrasonic sensor 40113 for measuring the position of objects in the vicinity of the motor vehicles 41, ..., 45. The proprioceptive sensors or measuring devices 4021 for sensing a number of operating parameters 40121 of the vehicles 41, ..., 45 may include at least the speed and / or wheel load and / or heading and / or battery condition of the vehicles 41, ..., 45.The one or more wireless connections 105 or wired connections of the mobile communication device 10 include Bluetooth as a wireless connection for exchanging data using short wavelength UHF (ultra high frequency) radio waves in the ISM (industrial, scientific and medical) radio band from 2.4 GHz to 2.485 GHz by building a Personal Area Network (PAN) using in-vehicle Bluetooth (registered trademark) capabilities and / or 3G and / or 4G and / or GPS and / or Bluetooth (registered trademark) LE (low energy) and / or Wi-Fi 802.11 standard based on BT and / or contactless or contact smart cards and / or SD cards (secure digital memory cards) or other replaceable non-volatile memory cards.

[0037] To provide the wireless connection 105, the mobile communication device 10 may act as a wireless node in a corresponding data transmission network, for example by means of an antenna connection of the mobile communication device 10, in particular a mobile communication network such as a 3G, 4G, 5G, LTE (Long Term Evolution) network or a mobile WiMAX or other GSM / EDGE and UMTS / HSPA based network technology, more specifically a mobile communication network having a suitable identification means such as a SIM (Subscriber Identity Module). The mobile communication device 10 and the monitoring cellular mobile node application 101 may be connected, for example, to an on-board diagnostic system 431,...,435 and / or an in-vehicle interactive device 441,...,445, and the mobile communication device captures vehicle and / or user usage-based (31) and / or user-based (32) vehicle data 3. The mobile communications device 10 provides one or more wireless connections 1024 by way of a Radio Data System (RDS) module 10241 and / or a positioning system 10242 including a satellite receiving module and / or a digital radio services module and / or a cellular telephone module 10243 including a language unit 10244 in communication with the radio data system 10241 or the positioning system 10242 or a cellular telephone module 10243. The satellite receiving module 10242 may, for example, include Global Positioning System (GPS) circuitry and / or the digital radio services module may include at least a Global System for Mobile Communications (GSM) unit. The multiple interfaces of the mobile communication device 10 for connecting to at least one of the data transmission buses of the automobile may include at least an interface for connecting to the automobile's Controller Area Network (CAN) bus, which connects to, for example, an On-Board Diagnostics (OBD) port or other connection, for example, for battery-powered devices, or an OEM (original equipment manufacturer) built-in system for obtaining information access to on-board sensors or an entertainment system (e.g., Apple CarPlay, etc.) that provides necessary vehicle sensor information.The measured operating parameters 40121 and / or environmental parameters 40111 may be shown as telematics vehicle data 3 including usage-based vehicle data 31 having usage-based vehicle data 311, ..., 313 of vehicles 41, ..., 45, user-based vehicle data 32 having user-based vehicle data 321, ..., 323 of vehicles 41, ..., 45, and operational vehicle data 3333 having operational data 331, ..., 333 of control systems 461, ..., 465. The plurality of operating parameters 40121 and / or the plurality of environmental parameters 40111 measured during the operation of the vehicle 41, ..., 45 may include, for example, time dependent speed measurements, hard braking, acceleration, cornering, distance, mileage (PAYD), short journeys, date and time, road and terrain type, cell phone usage (while driving), weather / driving conditions, location, temperature, blind spots, local driving, sun angle and dazzling sun information (such as the sun shining on the driver's face), seat belt status, rush hour, fatigue, driver confidence, throttle position, lane changes, fuel economy, VIN (Vehicle Identification Number), slalom, excess RPM (revolutions per minute), off-road, G-forces, brake pedal position, driver attention, CAN ( The information may include: controller area network (CAN) bus parameters, distance from other vehicles, distance from obstacles, driver alertness, activation / use of automated features, activation / use of advanced driver assistance systems, traction control data, headlight and other light usage, turn signal usage, vehicle weight, number of vehicle occupants, traffic sign information, intersections, amber and red light traffic signal activation, alcohol concentration detection devices, drug detection devices, driver distraction, driver aggressiveness, driver mental and emotional state, headlight glare from other vehicles, car door status (open / closed, etc.), windshield visibility, lane position, lane selection, vehicle safety, driver mood, and / or passenger mood. To date, no prior art system has been able to process such a variety of dynamically monitored hazard-related data.An advantage of multiple generated score parameters is that the data components of the score reflect the captured sensor data in that they can include, for example, customer policy details, individual driving data, collision crime data, credit scores, statistical driving data, past claims data, markets, databases, driver's license points, statistical claims data, weather or situational data relating to road type or environment.

[0038] As described above, a data link 21 is established between the mobile telematics application 101 as a client and the intelligent central vehicle circuit 11 via the mobile communication network 2 by the wireless connection 105 of the mobile communication device 10, the mobile communication device 10 acting as a wireless node 221, ..., 225 in the mobile communication network 2, and a number of operating parameters 40121 and a number of environmental parameters 40111 are measured and collected in the data flow path 103 as vehicle telematics data 3 during operation of the vehicles 41, ..., 45 by the mobile telematics application 101 via the mobile communication device 10 and transmitted to the intelligent central vehicle circuit 11. The intelligent central vehicle circuit 11 includes a telematics-driven core aggregator 110 having multiple dynamically applied telematics databases 1012 that trigger, capture, and monitoring of multiple operating parameters 40121 and / or multiple environmental parameters 40111 during operation of the vehicles 41, ..., 45 in a data flow path 103 by a mobile telematics application 101 of the mobile communication device 10. Alternatively, the mobile telematics application 101 may include a vehicle telematics driven core aggregator 1101 having multiple telematics database triggers 1012 in the data flow path 103 of the integrated sensors and / or on-board diagnostic systems 431, ..., 435 of the vehicle 41, ..., 45 and / or interactive devices 441, ..., 445 in the vehicle and / or vehicle telematics devices 451, ..., 455 and / or OEM devices 411, ..., 415 to trigger, capture and monitor multiple operating parameters 40121 and / or multiple environmental parameters 40111 during operation of the vehicle 41, ..., 45.In an alternative embodiment or in addition, a mobile communication device 10, such as a smartphone device, may include as integrated device components all of the proprioceptive sensors and / or measuring devices 4021 for sensing a number of operating parameters 40121 of the motor vehicle 41, ..., 45 and / or the exteroceptive sensors and / or measuring devices 4011 for sensing a number of environmental parameters 40111 during operation of the motor vehicle 41, ..., 45. The mobile communication device may include, for example, at least a GPS module (Global Positioning System) based on a 3-axis Teslameter and a 3-axis accelerometer and / or a geological compass module, and / or a gyro sensor or gyrometer, and / or a MEMS accelerometer sensor including a cantilever beam with a seismic mass as a proof mass to measure the appropriate acceleration or g-force acceleration, and / or a MEMS magnetometer or a magnetoresistive permalloy sensor or other 3-axis magnetometer.

[0039] The intelligent central vehicle circuit 11 includes a driving score generator 111 for measuring and / or generating a composite of single or multiple variable scoring parameters 1111,...,1117 providing a physical risk measure of use and / or driving style and / or environmental conditions during operation of the vehicle 41,...,45 based on the triggered, captured and monitored multiple operating parameters 40121 and / or multiple environmental parameters 40111. Alternatively, the mobile telematics application 101 includes a driving score module 1013 for measuring and / or generating a composite of single or multiple variable scoring parameters 10131 profiling the use and / or driving style and / or environmental conditions during operation of the vehicle 41,...,45 based on the triggered, captured and monitored multiple operating parameters 40121 and / or multiple environmental parameters 40111. In this way, the intelligent self-adaptive mobile vehicle system 1 performs scoring of individual drivers based on the multiple operating parameters 40121 or multiple environmental parameters 40111. Based on the score and / or other relevant telematics data that are visible to the consumer (if the consumer consents) and the risk transfer provider (insurance company), the supplier system 12 can make a quote. The single or composite set of variable scoring parameters 10131 / 1111,...,1117 profiles the usage and / or driving style and / or environmental conditions while driving the vehicle 41,...,45. The single or composite set of variable scoring parameters 10131 / 1111,...,1117 generated by the driving score module 111 may include at least the driving score 1111 and / or the situational score 1112 and / or the vehicle safety score 1113 and / or the cyberspace risk score 1114 and / or the software certification / testing risk score 1115 and / or the NHTSA (National Highway Traffic Safety Administration) level risk score 1116 and / or the autonomous driving assistance device usage / operation 1117.The variable driving score parameter 1111 may be based at least on, for example, measured driver behavior parameters including speed and / or acceleration and / or braking and / or cornering and / or jerks, and / or measured distraction parameters including mobile phone usage while driving, and / or measured fatigue parameters and / or drug use parameters. The variable situational score parameter 1112 may be based at least on, for example, measured trip score parameters based on road type and / or intersections and / or tunnels and / or number of climbs, and / or measured time of travel parameters, and / or measured weather parameters, and / or measured location parameters, and / or measured distance driven parameters. The variable vehicle safety score parameter 1113 may be based at least on, for example, measured ADAS function activation parameters and / or measured vehicle crash test evaluation parameters and / or measured level of automation parameters of the motor vehicles 41,...,45 and / or measured software riskiness score parameters. A data link 21 is established between the mobile telematics application 101 as a client and the intelligent central vehicle circuit 11 via the mobile communication network 2 by the wireless connection 105 of the mobile communication device 10. The mobile communication device 10 functions as a wireless node 221, ..., 225 in the mobile communication network 2. The central vehicle circuit 11 automatically collects a composite of single or multiple variable scoring parameters 10131 by the driving score module 111 based on the triggered and aggregated vehicle data 3 or generates a composite of single or multiple variable scoring parameters 1111, ..., 1117. In the case of generating the composite of single or multiple variable scoring parameters 1111, ..., 1117, the vehicle data 3 is triggered and aggregated by the core aggregator 110 driven by the intelligent central vehicle circuit 11 and the vehicle operation.

[0040] The central vehicle circuit 11 includes, for example, a real-time measurement system 1119 for detecting risk measurement patterns 1121, ..., 1123. The detected risk measurement patterns 1121, ..., 1123 are compared by pattern recognition with stored sample risk measurement patterns 1131, ..., 1133 in a pattern database 1118. In case of triggering a particular risk measurement pattern 1131, ..., 1133, a composite of single or multiple variable scoring parameters 1111, ..., 1117 / 10131 is dynamically adapted by the intelligent self-adaptive mobile vehicle system 1 during operation of the vehicle 41, ..., 45 based on the triggered, captured and monitored multiple operating parameters 40121 and / or multiple environmental parameters 40111, providing continuous monitoring of the physical risk measures of use and / or the driving style and / or the environmental conditions. The real-time measurement system 1119 detects continuous and discontinuous patterns of the risk measurement patterns 1121,...,1123, and the fragmented and stored sample risk measurement patterns 1131,...,1133 of the pattern database 1118 are at least partially detectable by discontinuous pattern global recognition. The real-time measurement system 1119 is configured to generate a control signal, for example, based on the measured and detected risk measurement patterns 1121,...,1123. The control signal is provided to a dynamically adapting adjustment means, which adjusts a single or multiple variable scoring parameter composite 1111,...,1117 / 10131 providing a physical risk measure of use and / or driving style and / or environmental conditions during operation of the motor vehicle 41,...,45, based on the triggered, captured and monitored multiple operating parameters 40121 and / or multiple environmental parameters 40111.The real-time measurement system 1119 comprises, for example, an optical image conversion device 11191 for generating an optical multidimensional representation pattern of the measured risk measurement patterns 1121, ..., 1123 and further comprises an optical image detection device 11192 for optical pattern recognition of the measured risk measurement patterns 1121, ..., 1123 based on the optical multidimensional representation patterns of the pattern database 1118 and on the stored sample risk measurement patterns 1131, ..., 1133. The optical image conversion device 11191 is, for example, realized as a line scan converter, the optical multidimensional representation pattern consisting of a plurality of pixels arranged in one or more lines, each of the plurality of pixels having a pixel value corresponding to a physical characteristic of the area and representing that area of ​​the surface being imaged. The composite of single or multiple variable scoring parameters 1111,...,1117 / 10131 may be dynamically adapted, for example, until the intelligent self-adaptive mobile automobile system 1 detects a certain maximum deviation or no deviation between a previous measurement of the composite of single or multiple variable scoring parameters 1111,...,1117 / 10131 and a subsequent measurement of the composite of single or multiple variable scoring parameters 1111,...,1117 / 10131 in a given time frame. Finally, the stored sample risk measurement patterns 1131,...,1133 of the pattern database 1118 may be dynamically adapted by a self-learning structure of the real-time measurement system 1119, which may be based, for example, on a supervised or unsupervised learning structure. However, rather than assigning each input instance to one of a set of predefined classes, for example when no training data is available, the learning structure may include a learning classification process that performs clustering by grouping the input data into clusters based on some intrinsic similarity measure (e.g., distance between voxels considered as vectors in a multidimensional vector space (as shown below)). When training samples are available, and implemented as supervised learning, the machine learning structure, when applied to the voxel structure, will accurately determine class labels for risk unknown case classification.In the present case, probabilistic machine learning structures for pattern recognition have performed well. However, unsupervised structures, such as Hebbian machine learning structures, can also be successfully applied to the voxel and / or risk measurements / classifications. By triggering newly occurring or identified risk measurement patterns 1131, ..., 1133, the composite of single or multiple variable scoring parameters 1111, ..., 1117 / 10131 may be dynamically adapted, for example, by the intelligent self-adaptive mobile automobile system 1, which feeds the composite of past single or multiple variable scoring parameters 1111, ..., 1117 / 10131 and the composite of actual single or multiple variable scoring parameters 1111, ..., 1117 / 10131 to the self-learning structure of the real-time measurement system 1119. In the case of adaptation, newly emerging or identified risk measurement patterns 1131, ..., 1133 are added, for example, to the stored sample risk measurement patterns 1131, ..., 1133 of the pattern database 1118, and the application of the telematics data based trigger 1012 of the telematics driven core aggregator 110 / 1011 is dynamically adapted and optimized based on the stored sample risk measurement patterns 1131, ..., 1133 of the pattern database 1118 and the newly emerging or identified risk measurement patterns 1131, ..., 1133 providing continuous and dynamically adapted monitoring of physical risk measures of use and / or driving style and / or environmental conditions during operation of the vehicle 41, ..., 45 based on the triggered, captured and monitored multiple operating parameters 40121 and / or multiple environmental parameters 40111.

[0041] Although the adaptation and optimization processes work well for most applications, further optimization can be achieved by optimizing multi-dimensional operating parameters. For example, the intelligent self-adaptive mobile automobile system 1 may include a discretized voxel structure in the form of a polyhedral mesh structure, and the measured risk measurement patterns 1121,...,1123 and / or the combination of the captured multiple operating parameters 40121 and / or multiple environmental parameters 40111 are mapped to the discretized voxels of the polyhedral mesh structure. The polyhedral mesh structure is defined with an adaptable number of dimensions, each of which represents an individual risk state of the automobile 41,...,45 in motion when mapped to each face or edge or vertex of the meshed polyhedron. The individual risk states of the automobile 41,...,45 in motion may be represented, for example, by risk attribute function coefficients, for example by floating-point risk attribute function coefficients, when mapped to each face edge or vertex of the meshed polyhedron. For example, each material may be represented by an integer function coefficient, or by a short word function coefficient when it is mapped to each face or edge or vertex of the meshed polyhedron 18, or by a byte type function coefficient when it is mapped to each face or edge or vertex of the meshed polyhedron. For this combination, all risk attributes from simulated or actually measured risk conditions can be stored, for example, by the voxels described above, and the system 1 is optimized by varying all the operational or risk values ​​represented by the voxels in a regular lattice of this multidimensional parameter space. However, other approaches of process optimization and automated decision-making structures may be used as well, if they are suitable for adjusting the risk measurement process to optimize the above set of parameters without violating the corresponding constraints. By optimizing the detectable and measurable risk patterns, it is possible to achieve the most important goals, such as minimizing the processing time and costs, and maximizing the efficiency and accuracy of the risk measurement.When optimizing the process of the present invention, it is possible to achieve a goal, for example, by maximizing one or more pattern parameter specifications while keeping all other things within their constraints. The system 1 may, for example, include suitable control loops. Each control loop is responsible for controlling one part of the recognition process. If the control loop is properly designed and tuned, the process will run according to the optimization, and if the control loop is not properly designed and tuned, it will differ from the optimization. In the case of operation other than the ideal operation of the system 1, the process will be less accurate, less efficient, or even technically unusable. For each control loop to operate optimally, the identification of the sensors described herein is essential. The inter-machine control system 1 of the present invention makes it possible to continuously and dynamically provide a risk measurement process for monitoring adapted to changing operating or environmental conditions, in particular for automated performance supervision with self-optimization, self-adaptation, and automated risk transfer.

[0042] The shadow request 119 is transmitted to a number of automated risk transfer supplier systems 12 that are distributedly connected to the intelligent central vehicle circuit 11 via a data transmission network. The shadow request 119 includes at least risk-related or risk-associated parameters based on a measured and / or generated single or composite set 10131 of variable scoring parameters. In response to the issued shadow request 119, the intelligent central vehicle circuit 11 receives a number of individualized risk transfer profiles 124 based on a dynamically collected single or composite set 10131 of variable scoring parameters. The risk-associated parameters of the shadow request 119 include at least a number of triggered, captured and monitored operational parameters 40111 or a number of environmental parameters 40121. and usage-based (31) and / or user-based (32) and / or operational (33) vehicle data 3 generated by the mobile telematics application 101 of the mobile communication device 10 based on , the generated single or multiple sets of variable scoring parameters and,The shadow requests 119 may be periodically sent to multiple automated risk transfer supplier systems 12 based, for example, on a dynamically generated single or composite set of variable scoring parameters 10131 and / or triggered, captured and monitored operational parameters 40111 or environmental parameters 40121, and the results list 118 is dynamically adapted in real time and displayed to the user for selection. On the other hand, if the mobile telematics application 101 triggers a change in the dynamically generated single or multiple set of variable scoring parameters 10131 and / or the triggered, captured and monitored operating parameters 40111 or multiple environmental parameters 40121, a shadow request 119 is generated based on the dynamically generated single or multiple set of variable scoring parameters 10131 and / or the triggered, captured and monitored operating parameters 40111 or multiple environmental parameters 40121 and sent to the automated risk transfer supplier systems 12, and the result list (118) is dynamically adapted in real time and displayed to the user for selection. As an alternative embodiment, a combination of the two above shadow request generation can also be applied.

[0043] The intelligent central vehicle circuit 11 dynamically captures and classifies the received personalized risk transfer profiles 124 of the automated risk transfer supplier systems 12. The result list 118 is dynamically updated and provided by the mobile telematics application 101 for display and selection to the user of the mobile communication device 10 based on the triggered, captured and monitored operational parameters 40121 or environmental parameters 40111 during the operation of the vehicle 41,...,45. Thus, the personalized risk transfer profiles 12 provided by the automated risk transfer supplier systems 12 change in a time-dependent manner based on the generated single or composite set 10131 of variable scoring parameters measuring time-dependent usage and / or driving style and / or environmental conditions during the operation of the vehicle 41,...,45. The intelligent self-adaptive mobile vehicle system 1 may, for example, automatically alert the user when a more favorable risk transfer profile 124 is triggered compared to the previously selected risk transfer profile 124. Furthermore, if a more favorable risk transfer profile 124 is triggered compared to the selected risk transfer profile 124, the intelligent self-adaptive mobile automobile system 1 may also automatically adapt the risk transfer associated with the user or mobile communication device 10. The results list 118 may be dynamically adapted in real-time based on the first payment parameters 1221,...,1225 and / or definable classification criteria regarding duration and / or risk transfer structure and displayed to the user for selection.

[0044] (Explanation of Reference Symbols) 1: Mobile Automotive Systems 10: Mobile communication devices 101: Mobile Telematics Applications (Cellular Mobile Node Applications) 1011: Telematics-driven core aggregator 1012: Telematics Data Driven Triggers 1013: Driving Score Generator 10131: Complex sets of variable scoring parameters 1014: Additional triggers for incident notification 1015: Additional triggers to trigger additional services 102: Integrated Sensors for Mobile Nodes 1020:MEMS magnetometer 1021: Speaker 1022:Microphone 1023: Device Alert Device 1024: Wireless connection 10241: Radio Data System (RDS) module 10242: Positioning system module 10243: Mobile phone interface 10244: Language unit 10245: Satellite receiving module 1025: Accelerometer 1026: Gyroscope 1027: Camera 1028:Touchscreen 1029: MEMS compass module 103: Data flow path 105: Wireless connection 1051: GPS 1052: WLAN 1053: Bluetooth (registered trademark) 11: Central Motorway Circuit 110: Telematics-driven core aggregator 111: Driving Score Generator 1111,…,1117: A complex set of variable scoring parameters 1111: Driving score 1112: Situational Score 1113: Vehicle Safety Score 1114: Risk score in the cyberspace 1115: Software Certification / Testing Risk Score 1116: NHTSA level danger score 1117: Use / operation of autonomous driving assistance devices 1121,…,1123: Risk measurement patterns 1131, ..., 1133: Stored risk measurement patterns 1118: Pattern database 1119: Real-time measurement system 11191: Optical image conversion device 11192: Optical image recognition device 112: Additional triggers for triggering incident notifications 113: Additional triggers to trigger additional services 114: Aggregation module 1141: Predefined time period 115: Database with historical data 116: Automated database with location-dependent data 117: Switching devices 118: Dynamic result list 119: Shadow Request 12: Automated risk transfer supplier system 121: Automated Resource Pool System 122: First data storage 1221,…,1225: First payment parameters 123: First payment transfer module 124: Generated risk transfer profile 13: Secondary risk transfer system 131: Automated Resource Pool System 132: Second data storage 1321, ..., 1325: Second payment transfer parameters 133: Second payment transfer module 1331: Control device 1332: Startup control parameters 134: Activation threshold parameter 135: Predefined loss compensation portion 2: Data transmission network 20: Cellular network grid 201, ..., 203: Network cell / basic service area 211, ..., 213: Base station (transceiver) 2111,…,2131: Cell Global Identification (CGI) 221,…,225: Mobile network nodes 21: One-way or two-way data link 3: Telematics vehicle data 31: Usage-based vehicle data 311,…,313: Usage-based vehicle data for vehicles 41,…,45 32: User-based car data 321,…,323: User-based vehicle data for vehicles 41,…,45 33: Operational Automotive Data 331, ..., 333: Data on the operation of control systems 461, ..., 465 41,…,45: Automobiles 401, ..., 405: Vehicle-mounted sensors and measuring devices 4011: Exteroceptive sensor or measuring device 40111: Sensor data from exteroceptive sensors 40112: Global Positioning System (GPS) 40113: Ultrasonic sensor 40114: Odometer sensor 40115: LIDAR (Light Detection and Ranging) 40116: Video camera 40117: Radar sensor 4012: Proprioceptive sensor or measuring device 40121: Sensor data from proprioceptive sensor 411,…,415: OEM (Original Equipment Manufacturer) Devices 421,…,425: Data transmission bus interface 431,...,435: In-vehicle diagnostic system 441,…,445: In-vehicle interactive devices 451,…,455: Automotive telematics devices 5: Aggregated risk exposure 51,…,55: Transferred risk exposures for automobiles 501, ..., 505: First risk transfer parameters 511, ..., 515: Second risk transfer parameters 6: Predefined danger events 61: Predefined risk events associated with liability coverage for damages 611,…,613: parameters measuring the occurrence of event 61 62: Predefined risk events associated with liability coverage for losses 621,…,633: parameters measuring the occurrence of event 62 63: Predefined risk events associated with liability coverage for delivery delays 631,…,633: parameters measuring the occurrence of event 63 71,…,75: Losses incurred in relation to automobiles 41,…,45 711,…,715: Captured loss parameters of measured predefined event 1 721,…,725: Captured loss parameters of measured predefined event 2 731,…,735: Captured loss parameters of measured predefined event 3 80: Aggregated loss parameters 81: Aggregated payment parameters 821: Loss rate threshold value 901: Triggering sensor data 902: Extracting a composite of scoring parameters 903: Transmitting the scoring composite to a CAC (Central Automotive Circuit) 904: Creating a shadow request 905: Steps for selecting a supplier system 906: Sending a shadow request to the selected supplier system / first risk transfer system 907: Filtering the response from the supplier system / first risk transfer system 908: Transmitting the result list to a user or an MTA (Mobile Telematics Application) for automatic selection.

Claims

1. A mobile automobile system (1), comprising: The mobile automobile system (1) comprises: a plurality of mobile communication devices (10) each disposed in a respective one of a plurality of motor vehicles (41,...,45); a central mobile circuit (11) configured to communicate with said plurality of mobile communication devices (10) via a mobile communication network (2); a plurality of risk transfer systems (12, 13) connected in a distributed manner to the central motor vehicle circuit (11) via the mobile communication network (2); Including, the plurality of risk transfer systems (12, 13) including a first risk transfer system (12) associated with an insurance company and a second risk transfer system (13) associated with a reinsurance company; each of the plurality of mobile communication devices (10) includes a proprioceptive sensor (4012) for sensing a plurality of operating parameters (40121) of the vehicle (41, ..., 45) and an exteroceptive sensor (4011) for sensing a plurality of environmental parameters (40111) during operation of the vehicle (41, ..., 45); the central vehicle circuit (11) includes an aggregator (110 / 1011) for capturing and monitoring the operational parameters (40121) and the environmental parameters (40111) contained in the telematics data (3) received from the mobile communication devices (10) of the vehicles (41, ..., 45), and a score generator (111 / 1013) for generating a composite set of variable scoring parameters (1111, ..., 1117 / 10131) based on the operational parameters (40121) and the environmental parameters (40111); Each of the plurality of mobile communication devices (10) measures and collects, by using the proprioceptive sensor (4012) and the exteroceptive sensor (4011), a plurality of operational parameters (40121) of the vehicle (41, ..., 45) and a plurality of environmental parameters (40111) during operation of the vehicle (41, ..., 45), and each of the plurality of mobile communication devices (10) transmits the telematics data (3) including the plurality of operational parameters (40121) and the plurality of environmental parameters (40111) to the central vehicle circuit (11); The central vehicle circuit (11) generates the composite set of variable scoring parameters (1111, ..., 1117 / 10131) based on the plurality of operational parameters (40121) and the plurality of environmental parameters (40111) by using the score generator (111 / 1013), the composite set of variable scoring parameters (1111, ..., 1117 / 10131) being indicative of the use of the vehicle (41, ..., 45) and the driving style and environmental conditions during the operation of the vehicle (41, ..., 45), and the composite set of variable scoring parameters (1111, ..., 1117 / 10131) generated by the score generator (111 / 1013) includes at least a driving score (1111), a situational score (1112), a vehicle safety score (1113), and an autonomous driving assistance device use / operation (1117); said central motor vehicle circuit (11) generating a shadow request (119) and transmitting said shadow request (119) to said plurality of risk transfer systems (12, 13); The shadow request (119) includes risk-related parameters, the risk-related parameters of the shadow request (119) including the telematics data (3) including the plurality of operational parameters (40121) and the plurality of environmental parameters (40111) and the composite set of variable scoring parameters (1111, ..., 1117 / 10131); Each of the plurality of risk transfer systems (12, 13) receives the shadow request (119) from the central vehicle circuit (11), generates a user-specific risk transfer profile (124), and transmits the user-specific risk transfer profile (124) back to the central vehicle circuit (11); the central motor vehicle circuit (11) receives the user-specific risk transfer profile (124) from each of the plurality of risk transfer systems (12, 13), classifies the user-specific risk transfer profile (124) received from each of the plurality of risk transfer systems (12, 13) to generate a result list (118), and transmits the generated result list (118) to the mobile communication device (10) of the motor vehicle (41, ..., 45) corresponding to the user; the generated result list (118) comprising the user-specific risk transfer profile (124) generated by each of the plurality of risk transfer systems (12, 13) and appropriate first payment transfer parameters (1221, ..., 1225) and pricing thereof based on scores of driving behaviors and driving parameters (1111, ..., 1117) collected during a predefined trial period, is dynamically updated and provided for display and selection to a user of the mobile communication device (10). Mobile Automotive Systems (1).

2. 2. The mobile automobile system (1) of claim 1, wherein the proprioceptive sensors (4021) include sensors for detecting the speed, wheel load, direction of travel, or battery condition of the automobiles (41, ..., 45).

3. The mobile automobile system (1) of claim 1, wherein the exteroceptive sensor (4011) includes at least one of a radar device (40117) for monitoring the surroundings of the automobile (41, ..., 45), a LIDAR device (40115) for monitoring the surroundings of the automobile (41, ..., 45), a global positioning system (40122) or a vehicle tracking device for measuring positioning parameters of the automobile (41, ..., 45), an odometer measuring device (40114) for complementing and enhancing the positioning parameters measured by the global positioning system (40112) or the vehicle tracking device, a video camera for monitoring the surroundings of the automobile (41, ..., 45), and an ultrasonic sensor (40113) for measuring the position of objects in the vicinity of the automobile (41, ..., 45).

4. The mobile automobile system (1) of claim 1, wherein the driving score (1111) is based at least on measurements of driver behavior parameters including speed, acceleration, braking, cornering, and jerks, measurements of distraction parameters including mobile phone usage while driving the automobile (41, ..., 45), and measurements of fatigue parameters and / or drug use parameters.

5. 2. The mobile automobile system of claim 1, wherein the situational score (1112) is based on at least a measured trip score parameter based on road type and number of intersections, tunnels, and climbs, a measured time of travel parameter, a measured weather parameter, a measured location parameter, and a measured distance driven parameter.

6. The mobile automobile system (1) of claim 1, wherein the vehicle safety score (1113) is based at least on measured vehicle crash test evaluation parameters, measured level of automation parameters of the automobiles (41, ..., 45), and measured software risk score parameters.

7. A telematics method performed by a mobile automobile system (1), comprising: The mobile automobile system (1) a plurality of mobile communication devices (10) each disposed in a respective one of a plurality of motor vehicles (41,...,45); a central mobile circuit (11) configured to communicate with said plurality of mobile communication devices (10) via a mobile communication network (2); a plurality of risk transfer systems (12, 13) connected in a distributed manner to the central motor vehicle circuit (11) via the mobile communication network (2); Including, the plurality of risk transfer systems (12, 13) including a first risk transfer system (12) associated with an insurance company and a second risk transfer system (13) associated with a reinsurance company; each of the plurality of mobile communication devices (10) includes a proprioceptive sensor (4012) for sensing a plurality of operating parameters (40121) of the vehicle (41, ..., 45) and an exteroceptive sensor (4011) for sensing a plurality of environmental parameters (40111) during operation of the vehicle (41, ..., 45); The central motor vehicle circuit (11) includes an aggregator (110 / 1011) for capturing and monitoring the operational parameters (40121) and the environmental parameters (40111) contained in the telematics data (3) received from the mobile communication devices (10) of the motor vehicles (41, ..., 45), and a score generator (111 / 1013) for generating a composite set of variable scoring parameters (1111, ..., 1117 / 10131) based on the operational parameters (40121) and the environmental parameters (40111), the telematics method comprising: measuring and collecting (901) by each of the plurality of mobile communication devices (10) a plurality of operational parameters (40121) of the vehicle (41, ..., 45) and a plurality of environmental parameters (40111) during operation of the vehicle (41, ..., 45) by using the proprioceptive sensor (4012) and the exteroceptive sensor (4011), and transmitting, by each of the plurality of mobile communication devices (10), the telematics data (3) including the plurality of operational parameters (40121) and the plurality of environmental parameters (40111) to the central vehicle circuit (11); generating (902) the composite set (1111, ..., 1117 / 10131) of variable scoring parameters based on the plurality of operational parameters (40121) and the plurality of environmental parameters (40111) by using the score generator (111 / 1013), the composite set (1111, ..., 1117 / 10131) of variable scoring parameters being the composite set (1111,...,1117 / 10131) of variable scoring parameters generated by the score generator (111 / 1013) indicative of the use of the vehicle (41,...,45) and the driving style and environmental conditions during operation of the vehicle (41,...,45), including at least a driving score (1111), a situational score (1112), a vehicle safety score (1113), and an autonomous driving assistance device use / operation (1117); generating (904) a shadow request (119) by said central motor vehicle circuit (11) and transmitting (906) said shadow request (119) to said plurality of risk transfer systems (12, 13), the shadow request (119) includes risk-related parameters, the risk-related parameters of the shadow request (119) including the telematics data (3) including the plurality of operational parameters (40121) and the plurality of environmental parameters (40111) and the composite set of variable scoring parameters (1111, ..., 1117 / 10131); receiving, by each of said plurality of risk transfer systems (12, 13), said shadow request (119) from said central motor vehicle circuit (11), generating a user-specific risk transfer profile (124), and transmitting said user-specific risk transfer profile (124) back to said central motor vehicle circuit (11); receiving, by said central motor vehicle circuit (11), said user-specific risk transfer profiles (124) from each of said plurality of risk transfer systems (12, 13), classifying said user-specific risk transfer profiles (124) received from each of said plurality of risk transfer systems (12, 13) to generate a result list (118), and transmitting said generated result list (118) to a mobile communication device (10) of a motor vehicle (41, ..., 45) corresponding to the user, the generated result list (118), comprising the user-specific risk transfer profile (124) generated by each of the plurality of risk transfer systems (12, 13) and appropriate first payment transfer parameters (1221, ..., 1225) and pricing thereof based on scores of driving behaviors and driving parameters (1111, ..., 1117) collected during a predefined trial period, being dynamically updated and provided for display and selection to a user of the mobile communication device (10), Telematics methods.

8. The telematics method of claim 7, wherein the proprioceptive sensors (4021) include sensors for detecting the speed, wheel load, direction of travel, or battery condition of the vehicle (41,...,45).

9. 8. The telematics method of claim 7, wherein the exteroceptive sensor (4011) includes at least one of a radar device (40117) for monitoring the surroundings of the vehicle (41, ..., 45), a LIDAR device (40115) for monitoring the surroundings of the vehicle (41, ..., 45), a global positioning system (40122) or a vehicle tracking device for measuring positioning parameters of the vehicle (41, ..., 45), an odometer measuring device (40114) for complementing and enhancing the positioning parameters measured by the global positioning system (40112) or the vehicle tracking device, a video camera for monitoring the surroundings of the vehicle (41, ..., 45), and an ultrasonic sensor (40113) for measuring the position of objects in the vicinity of the vehicle (41, ..., 45).

10. The telematics method of claim 7, wherein the driving score (1111) is based at least on measurements of driver behavior parameters including speed, acceleration, braking, cornering, and jerks, and on measurements of distraction parameters including mobile phone usage while driving the vehicle (41, ..., 45), and on measurements of fatigue parameters and / or drug use parameters.

11. 8. The telematics method of claim 7, wherein the situational score (1112) is based on at least a measured trip score parameter based on road type and number of intersections, tunnels, and climbs, a measured time of travel parameter, a measured weather parameter, a measured location parameter, and a measured distance driven parameter.

12. 8. The telematics method of claim 7, wherein the vehicle safety score (1113) is based at least on a measured vehicle crash test evaluation parameter, a measured level of automation parameter of the motor vehicle (41, ..., 45), and a measured software risk score parameter.

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