Proposed is a OEM-linked,
telematics-based
system and platform (1) for
score-driven operations associated with motor vehicles (41, . . . , 45) or transportation means of passengers or goods and based on a dynamic,
telematics-based data aggregation, and method thereof. The
telematics-based
system (1) comprises vehicle embedded telematics devices (OEM line fitted) (411, . . . , 415) associated with the plurality of motor vehicles (41, . . . , 45), wherein the vehicle embedded telematics devices (OEM line fitted) (411, . . . , 415) comprise a
wireless connection (42101-42108) to a central, expert-
system based circuit (11). The telematics devices (411, . . . , 415) are connected via interfaces (421, . . . , 425) to the sensors and / or measuring devices (401, . . . , 405) and / or an on-board
diagnostic system (431, . . . , 435) and / or an in-car interactive device (441, . . . , 445), wherein the telematics devices (411, . . . , 415) capture usage-based (31) and / or user-based (32) and / or operational (33) telematics data (3) of the motor vehicle (41, . . . , 45) and / or user (321, 322, 323). In response to an emitted shadow request (109) of a central, expert-system based circuit (10) of system (1) associated with a second risk-
transfer system, individualized risk-transfer profiles (114) based upon the dynamically generated variable scoring parameters (1011, . . . , 1013) are transmitted from a first risk-transfer systems (11) to the corresponding motor vehicle (41, . . . , 45) and issued by means of a
dashboard (461, . . . , 465) of the motor vehicle (41, . . . , 45) for selection by the driver of the motor vehicles (41, . . . , 45). In return of issuing an individualized risk-transfer profile (114) over said
dashboard (461, . . . , 465),
payment-transfer parameters are transmitted from the first risk-
transfer system (11) to the OEM of the OEM-linked, telematics-based system and platform (1).