公开(公告)号：WO2022207129A1

公开(公告)日：2022-10-06

申请号：PCT/EP2021/074336

申请日：2021-09-03

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： TISSEUR, Riccardo ,  MAFFETTI, Matteo

IPC: H04L29/08

Abstract: Proposed is an automated system (1000), phone distraction detector and method for automatically detecting phone distraction events in a moving vehicle (202), caused by a driver of the moving vehicle (202) by using a smartphone (102). An Internet of Things (IoT) server (104) is communicatively coupled to the smartphone (102). The smartphone (102) comprises one or more sensors (118, 120) built into the smartphone (102), wherein sensory data of the one or more sensors (118, 120) are captured by the sensors (118, 120) of the smartphone (102) during a vehicle trip and are transmitted to the Internet of Things (IoT) server (104), and wherein the sensor data comprises one or more chunks of data streams associated with an IoT service from the smartphone (l02). The sensory data are processed and analyzed by the server (104) to identify one or more phone handling events associated with the smartphone (102) during the vehicle trip (202). One or more phone handling events associated with the smartphone (102) are aggregated into one or more macro events by the processing means of the server (104). The aggregated one or more macro events are processes by the server (104) based on a set of preconfigured rules to determine a phone distraction event, wherein the set of preconfigured rules are based on predefined thresholds to determine the phone distraction event.

公开(公告)号：WO2022179678A1

公开(公告)日：2022-09-01

申请号：PCT/EP2021/054445

申请日：2021-02-23

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： SINGLETON, Matthew William ,  MARTIN, Alan ,  RICHARDSON, Eva ,  WHITE, Sean

IPC: G06Q30/06 ,  G06Q40/08

Abstract: Proposed is an automated system (1) providing an automatable long-term care risk mitigation structure associated with immediate care needs of risk-exposed individuals in case of becoming a long-term care-receiver. The system (1) provides an automated multi-step trigger and defection cycle (9/91, 92, 93, 94, 95, 96, 97) based on sensory measuring data for risk-exposed individuals (4) thereby mitigating possibly occurring long-term care needs by means of the automated system based on a defected sufficient state of disability (2), possibly predetermined up-front amount parameters (8211) and an assigned care equity ratio associated with an asset (3). The state of disability (2) of the risk-exposed individual (4) is measurable by a definable set of risk-exposed individual measuring parameters (10).

公开(公告)号：WO2022117774A1

公开(公告)日：2022-06-09

申请号：PCT/EP2021/084075

申请日：2021-12-02

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： GRIVEL, David ,  DI LILLO, Luigi ,  GENOVESE, Donato

IPC: G06Q40/08

Abstract: Proposed is an electronic risk measuring and scoring system (100), in particular for mobile telematics devices (10) and method thereof. In particular, an electronic risk measuring and scoring system (100) which measures an ADAS risk score measure measuring the impact of ADAS features (200) to the accident risk associated with a motor vehicles (10), and which rates and calibrates a risk-transfer user-specifically thereby capturing the impact of ADAS features (200) in measures of risk-transfer claims frequency and severity.

公开(公告)号：WO2022053557A1

公开(公告)日：2022-03-17

申请号：PCT/EP2021/074817

申请日：2021-09-09

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： TISSEUR, Riccardo ,  GIACOMINI, Elia

IPC: G06K9/00

Abstract: Proposed is a method and system for automated transportation mode recognition based on sensory data measured by a plurality of sensors (102) of a cellular mobile device (10) of a user (6/61 /62), the plurality of sensors (102) at least comprising an accelerometer (1025) and a gyroscope (1026), the plurality of sensors (102) being connected to a monitoring mobile node application (101) of the mobile device (10), wherein the mobile device (10) measures time series of sensory parameter values based on measuring parameters obtained from the sensors (102), the measuring parameters comprise time series of sensory parameter values of a 3-axis accelerometer as sensor (102) and time series of sensory parameter values of GPS-based speed measurements of a GPS receiver as sensor (102), and wherein the measured time series of sensory parameter values trigger the automated transportation mode recognition as input feature values to a gradient boosting machine-learning classifier, the transportation modes at least comprising the modes public transportation and/or motorcycle and/or cycling and/or train and/or tram and/or plane and/or car and/or skiing and/or boat, and the transportation mode recognition generating a transport mode label for a transport mode movement pattern of a trip.

公开(公告)号：WO2022053147A1

公开(公告)日：2022-03-17

申请号：PCT/EP2020/075548

申请日：2020-09-11

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： GENOVESE, Donato ,  CERRUTI, Benedetta ,  TISSEUR, Riccardo

IPC: G06K9/00

Abstract: Proposed is a method and system for identifying and/or classifying an occupant of a vehicle based on sensory data measured by a plurality of sensors of a cellular mobile device of the occupant, the plurality of sensors at least comprising an accelerometer and a gyroscope. The mobile device measures gravitational acceleration movement sensory data by means of the accelerometer based on measuring parameters obtained from the accelerometer, wherein vehicle entering or exiting movement patterns of the user are detected from the acceleration movement sensory data at least comprising pattern for base axis and degree of rotation associated with a vehicle entrance or exit of the user. The detected vehicle entering or exiting movement patterns of the user trigger as input features the recognition of a vehicle entering or exiting movement of the user by performing a decision-tree classification on the input features to rule out whether the user entered or exited from a left or right side of the vehicle.

公开(公告)号：WO2021185517A1

公开(公告)日：2021-09-23

申请号：PCT/EP2021/053378

申请日：2021-02-11

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： MANGOLD, Chung-Shik

IPC: G06Q40/08 ,  G06Q10/04

Abstract: Proposed is a digital platform (1) providing an automated, multi-channel, end-to-end risk-transfer product configuration process (2) for configuring, launching and processing of customized reinsurance risk-transfer structures, wherein an automated risk-transfer product placement is provided by the system (1) as a first online channel comprising a parameter-driven, rule-based underwriting process (21) for creating a portfolio of customized second-tier structures, wherein an automated claim handling (22) is provided by the system (1) as a second online channel, and wherein an automated accounting (23) is provided by the system (1) as a third online channel. For capturing of risk information parameters (2144), a product configurator (214) comprises a machine-based exposure data intelligence (215) enabled to automatically identify unique risks of objects (12) based on a precise location of the objects (12). The system (1) further comprises a graphical user interface of a portfolio analytics framework (6) providing a dynamic representation (61) of a portfolio structure (14). By means of the metric simulation engine (10), the dynamic representation of the portfolio structure (14) provides forward- and backward-looking insights to the user thereby enabling portfolio steering by identification of critical areas of the portfolio (14) and impacts of possible changes to the underwriting before going to launch it in the market.

公开(公告)号：WO2019234130A1

公开(公告)日：2019-12-12

申请号：PCT/EP2019/064731

申请日：2019-06-05

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： BILLETER, Salomon ,  ROSENBAUM, Felix ,  WEIR, Elaine ,  HUEBER, Lars ,  SCHMIDLIN, Gregor ,  KUKSIN, Nikita

IPC: G06Q40/08

Abstract: Proposed is an event generator (10) generating risk events (2) for clash-quantifying, multi-risk assessment systems (1) with automated assessment of multi-risk exposures induced by the generated risk events (2), liability catastrophes (21) and casualty accumulations (22). A plurality of affected units (3) are subject to the risk exposure of the occurring risk events (2) caused by one or a plurality of causing liability risk exposed units (4). The event generator performs a scenario selection by means of a scenario selector (104) selecting relevant LLC/ULC/ELC scenarios (1001) from the scenarios (1001) of a data structure (101). Based on the selected scenarios (10001), concrete events (1002) are generated by means of the event generator (10).

公开(公告)号：WO2018083352A1

公开(公告)日：2018-05-11

申请号：PCT/EP2017/078510

申请日：2017-11-07

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： NAGEL, Uwe ,  VENKATESWARAN, Ramya ,  LARKIN, Peter ,  ELSASSER, Christian

IPC: G06Q40/08

Abstract: Proposed are a measuring apparatus(1) and a measuring method for automated traffic and driving pattern recognition and location-dependent measurement and forecast of absolute and relative risks for car accidents based on exclusively non-insurance related measuring data and based on automated traffic pattern recognition and associated with the traffic and driving pattern providing a high degree of temporal and spatial resolution. The proposed apparatus(1) provides a grid- based (2121, 2122, 2123, 2124), technically new way of automation of automated traffic and driving pattern recognition and risk-prediction related to motor accidents using environment based factors (elevation, road network, traffic data, weather conditions including socio-economic factors)that are impacting motor traffic and are location dependent received from appropriate measuring devices (41,…,45). In this way, predictions of the accident risk for arbitrary areas can be provided. The measuring apparatus(1) is calibrated by comparing features of areas or road segments with the number and type of accidents that have measured or registered there, linking the features and accident data e.g. using the disclosed machine learning techniques.

Abstract translation: 提出了一种测量设备（1）和测量方法，用于基于非保险相关测量的自动交通和驾驶模式识别以及与位置相关的测量和预测车辆事故的绝对和相对风险 数据并基于自动化交通模式识别并与交通和驾驶模式相关联提供高度的时间和空间分辨率。 所提出的装置（1）提供基于网格的（2121,2122,2123,2124）技术上的自动化交通和驾驶模式识别的自动化以及与使用基于环境的因素（高程，道路网络）相关的运动事故的风险预测 ，交通数据，天气状况（包括社会经济因素）），这些因素会影响机动车交通量，并且依赖于合适的测量设备（41，...，45）的位置。 通过这种方式，可以提供对任意区域事故风险的预测。 测量装置（1）通过比较区域或道路段的特征与在那里测量或记录的事故的数量和类型进行比较，将特征和事故数据关联起来进行校准，例如， 使用所公开的机器学习技术。

公开(公告)号：WO2018046743A1

公开(公告)日：2018-03-15

申请号：PCT/EP2017/072787

申请日：2017-09-11

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： BONGERS, Sebastiaan ,  GENOVESE, Donato ,  NAVES SORDO, Héctor ,  PERL, Andri

IPC: G06Q40/08 ,  G06Q50/30 ,  G06Q10/06 ,  G06Q30/02

Abstract: Proposed is an automated, self-adaptive, machine-learningtelematics- 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).

Abstract translation: 提出了一种用于与机动车辆（41，...，45）或乘客或货物的运输工具相关的得分驱动操作的基于机器学习的自动化系统（1）的自动化自适应系统，以及 基于基于动态的基于远程信息处理的数据聚合及其方法，用于与复杂的对等贷款计划有关的自动化风险转移，尤其涉及车辆和汽车共享方案以及共享与损害相关的风险相关的经济运输方案 到第三方。 基于远程信息处理的系统（1）包括与多个机动车辆（41，...，45）相关联的远程信息处理设备（411，...，415），其中远程信息处理设备（411，...，415）包括无线连接（42101 -42108）到基于专家系统的中央电路（11）。 信息处理设备（411，...，415）经由接口（421，...，425）连接到传感器和/或测量设备（401，...，405）和/或车载诊断系统（431，...， 435）和/或车内交互设备（441，...，445），其中远程信息处理设备（411，...，415）捕捉基于使用（31）和/或基于用户（32）和/ （33）机动车辆（41，...，45）和/或用户（321,322,323）的远程信息数据（3）。 响应于发出的影子请求（109），基于动态生成的可变评分参数（1011，...，1013）的个性化风险转移简档（114）从第一风险转移系统（11）传输到相应的机动车辆 （41，...，45），并通过机动车辆（41，...，45）的用户单元（461，...，465）发出，以供机动车辆（41，...，45）的驾驶员选择。 作为通过所述用户单元（461，...，465）发布个性化风险转移简档（114）的返回，将支付转移参数从第一风险转移系统（11）传输到基于远程信息处理系统 （1）。

公开(公告)号：WO2018046742A1

公开(公告)日：2018-03-15

申请号：PCT/EP2017/072786

申请日：2017-09-11

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： MESIANO, Cristian ,  TURRA, René ,  FASANO, Pierluigi

IPC: H04L29/06 ,  H04L29/08 ,  H04L9/00 ,  H04L9/32 ,  G06Q30/00

CPC classification number: H04L9/0822 ,  G06F21/606 ,  G06F2221/0788 ,  G06Q10/10 ,  G06Q20/3829 ,  G06Q30/00 ,  G06Q40/08 ,  G06Q2220/00 ,  H04L9/006 ,  H04L9/0825 ,  H04L9/0866 ,  H04L9/14 ,  H04L9/3066 ,  H04L9/3263 ,  H04L63/0428 ,  H04L63/061 ,  H04L2209/38 ,  H04L2209/56 ,  H04L2209/603 ,  H04L2463/102

Abstract: Proposed is a secure key management, peer-to-peer transmission system (6), and method thereof, based on a controlled, double-tier cryptographic key structure (2), providing a closed cryptosystem for secure content distribution and further processing within a provided, secured network environment (11). Individual, user-specific data (331) are captured by means of capturing device (33) associated with a user network node (3). Based on the individual, user-specific data (331), data services (101) are requested from and provided to the user network node (3), by means of a data consumer network node (4).The captured individual, user-specific data (331) are transmitted from the user network node (3) to a central, P2P transmission system (1) and are processed by a non-storage-based processing unit (10), providing the requested data service (101) of the data consumer network node (4) requested by the user network node (3). A first cryptographic key (21) is generated by the non-storage-based processing unit (10), wherein service response data (211) of the requested service (101) are encrypted, by means of the first cryptographic key (21), to single encrypted service response data (212) and transmitted to the user network node (3), in response to the requested service (101). The received single encrypted service response data (212) are double encrypted, by means of a generated second cryptographic key (22), to double encrypted service response data (221) by the user network node (3) and transmitted back and stored in the central, P2P transmission system (1). The first cryptographic key (21) is transmitted and/or made accessible to the user network node (3), if predefined authorization-parameters (102) are triggered, by means of the central, P2P transmission system (1).

Abstract translation: 基于受控的双层密码密钥结构（2），提出了一种安全密钥管理，对等传输系统（6）及其方法，其提供了一种用于 安全的内容分发和在提供的安全网络环境（11）内的进一步处理。 借助于与用户网络节点（3）相关联的捕获设备（33）来捕获各个用户特定的数据（331）。 基于个人用户专用数据（331），通过数据消费者网络节点（4）向用户网络节点（3）请求数据服务（101）并将其提供给用户网络节点（3） 从所述用户网络节点（3）向中央P2P传输系统（1）发送特定数据（331），并且由非基于存储的处理单元（10）处理所述特定数据（331） 由用户网络节点（3）请求的数据消费者网络节点（4）。 第一密码密钥（21）由非基于存储的处理单元（10）产生，其中所请求的服务（101）的服务响应数据（211）通过第一密码密钥（21）被加密， 到单个加密的服务响应数据（212），并且响应于所请求的服务（101）而被发送到用户网络节点（3）。 接收到的单个加密的服务响应数据（212）通过所生成的第二密码密钥（22）被双重加密，以由用户网络节点（3）对加密的服务响应数据（221）进行双重加密并且被传回并存储在 中央，P2P传输系统（1）。 如果通过中央P2P传输系统（1）触发预定义授权参数（102），则第一密码密钥（21）被用户网络节点（3）发送和/或使其可访问。