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1.发明申请公开(公告)号：US20170372431A1
公开(公告)日：2017-12-28
申请号：US15295522
申请日：2016-10-17
发明人： Andri PERL , Sebastiaan BONGERS , Donato GENOVESE , Andrea KELLER
摘要： Aspects of the disclosure include a first risk-transfer system, a second risk-transfer system, and an expert-system based circuit. The first risk-transfer system is configured to provide a first risk-transfer based on first risk-transfer parameters from a plurality of motor vehicles to the first risk-transfer system, and receive and store first payment parameters associated with risk exposures of the plurality of motor vehicles. The second risk-transfer system is configured to provide a second risk-transfer based on second risk-transfer parameters from the first risk-transfer system to the second risk-transfer system, and receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems. The expert-system based circuit is configured to receive environmental parameters and operating parameters from the plurality of motor vehicles, adjust the first risk transfer parameters and correlated first payment transfer parameters, and adjust the second risk transfer parameters and correlated second payment transfer parameters.
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公开(公告)号：US20180075380A1
公开(公告)日：2018-03-15
申请号：US15448144
申请日：2017-03-02
IPC分类号： G06Q10/06
CPC分类号： G06Q10/0635 , G06Q30/0283 , G06Q40/08 , G06Q50/30 , G06Q2240/00
摘要： Proposed is an automated telematics-based system (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, for automated risk-transfer related to complex peer-to-peer lending schemes, especially related to vehicles and car sharing schemes and sharing economy transportation schemes related to risks associated with damages to third parties. The telematics-based system (1) comprises telematics devices (411, . . . , 415) associated with the plurality of motor vehicles (41, . . . , 45), wherein the telematics devices (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) 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 user unit (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 user unit (461, . . . , 465), payment-transfer parameters are transmitted from the first risk-transfer system (11) to the provider of the telematics-based system (1).
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公开(公告)号：US20180047107A1
公开(公告)日：2018-02-15
申请号：US15394260
申请日：2016-12-29
摘要： 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).
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4.发明申请公开(公告)号：US20180025430A1
公开(公告)日：2018-01-25
申请号：US15421010
申请日：2017-01-31
发明人： Andri PERL , Sebastiaan BONGERS , Donato GENOVESE
IPC分类号： G06Q40/08 , B60R16/023 , G01C21/36 , G06F17/30 , G07C5/00
CPC分类号： G06Q40/08 , B60R16/0231 , G01C21/3697 , G01S19/13 , G06F16/24578 , G06F16/9537 , G07C5/008 , H04W4/80
摘要： Proposed is a mobile automotive car system, and method thereof, for a dynamic, telematics-based connection search engine and telematics data aggregator, wherein risk-transfer profiles are captured and categorized in a results list from a plurality of first risk-transfer systems based on dynamically generated driving score parameters by means of appropriately triggered automotive data. As a variant, during a predefined trial period, the automotive and driving behavior data can be collected, which are transmitted together with the generated driving score parameters to multiple automated first risk-transfer systems for quotation. The user is able to dynamically select the best-fitting first risk-transfer system for risk-transfer by means of the results list, which is provided and updated in real-time for display to and selection by a user of a mobile telecommunication apparatus by means of a mobile telematics application of the mobile telecommunications apparatus.
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