公开(公告)号：WO2023084120A1

公开(公告)日：2023-05-19

申请号：PCT/EP2022/082022

申请日：2022-11-15

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： FEDDERSEN, Maura ,  TAMMA, Francesca ,  SCASCIGHINI, Andrea

IPC: G06Q40/08 ,  G06N3/02

Abstract: Proposed is a digital system and robust expert method for accuracy-enhanced expert forecasting based on a digital audit-linked best-estimation framework, wherein the audit-based best-estimation framework comprises two or more execution member executing at least the steps of (i) determining a forecasted value for a definable future time window benchmarking the audit-based best-estimation framework to a starting point value based on one or more historical databases, (ii) determining a 90% confidence interval range for the determined starting point value by a lower bund value and an upper bond value of the interval range, wherein the starting point value is part of the confidence interval value range, and wherein an actually measured value of the forecasted value in the future time window is forecasted to measurably deviate with a 90% probability within the 90% confidence interval range, and (iii) selecting one or more possible scenarios each having a definable probability distribution and applying a sensitivity analysis by at least varying a time-based range of an observation window, wherein if the forecasted value deviates further from the starting point value as a predefined threshold value by the variation, the starting point value is adjusted. The forecasted values of the at least two execution member are transmitted and captured by a best-estimation engine determining a best-estimation forecasted value based on the captured forecasted values of the at least two execution member.

公开(公告)号：WO2023031299A1

公开(公告)日：2023-03-09

申请号：PCT/EP2022/074247

申请日：2022-08-31

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： KOCHER, Thomas ,  BACON, Roger

IPC: G01M7/08 ,  A62C3/06 ,  G01N3/313 ,  G06F30/13 ,  G06Q10/06

Abstract: Proposed is an automated maximum impact measurand forecasting system (1) for measuring an impact of an explosion of an explosive (3) in open steel and/or concrete and/or reinforced concrete structures (2), wherein at least loading (311) and/or resistance (211) measuring parameter (21/31) values are measured and/or captured by the automated forecasting system (1).

公开(公告)号：WO2023006974A1

公开(公告)日：2023-02-02

申请号：PCT/EP2022/071406

申请日：2022-07-29

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： TISSEUR, Riccardo ,  ARORA, Amit ,  GUPTA, Abhinav

IPC: G06V10/764 ,  G06V10/82 ,  G06K9/62 ,  G06V10/44 ,  G06V10/56

Abstract: Proposed is an automated automobile claims fraud detector and method for automatically evaluating validity and extent of at least one damaged object from image data and detect possible fraud, the automated automobile claims fraud detector comprising the processing steps of: (a) receiving image data comprising one or more images of at least one damaged object; (b) processing said one or more images for existing image alteration using unusual pattern identification and providing a first fraud detection; ( c) processing said one or more images for fraud detection using RGB image input, wherein the RGB values are used for (i) CNN-based pre-existing damage detection, (ii) parallel CNN-based color matching, and (iii) double JPEG compression (DJCD) detection using custom CNN; (d) processing output of (i) CNN- based pre-existing damage detection, (ii) parallel CNN-based color matching, and (iii) double JPEG compression detection using custom CNN as input for ML-based fraud identifier providing a second fraud detection; and (e) generating fraud signaling output, if the first or second fraud detection indicates fraud.

公开(公告)号：WO2022228688A1

公开(公告)日：2022-11-03

申请号：PCT/EP2021/061343

申请日：2021-04-29

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： KISHORE, Shobit ,  ZWANCH, Jason Mark

IPC: G06Q40/08

Abstract: Proposed are an automated real-time fraud monitoring and detection system (1) for detecting unusual and/or suspicious activities within a network of nodes (41) interconnected by edges (42) triggered by captured synthetic forms of social data, in particular social networking and/or linkage and/or relationship data) and social metadata comprising at least data from microblogging services and/or social networking services by means of pattern recognition and matching.

公开(公告)号：WO2022189416A1

公开(公告)日：2022-09-15

申请号：PCT/EP2022/055860

申请日：2022-03-08

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： BILLETER, Salomon Rudolf ,  MANCINI, Francesca ,  MONTOYA, Alicia ,  FAN, Xi

IPC: G06Q10/06

Abstract: Proposed is an automated measuring system (1) for progress monitoring and steering of impacts of a complex system (2) to world environment and ecosystem (3) induced by environmental-human linkages (21) and for quantitative measuring of effects of applied risk-transfer structures (4) to said environmental-human linkages (21) induced by risk-transfer–SDG linkages (41/411,…41x) measuring quantifying distances (11/111, 112, …, 11x) of progresses toward at least one of a predefined sustainable development goal (SDG/12) with and without applying said risk-transfer structures (4).

公开(公告)号：WO2021244731A1

公开(公告)日：2021-12-09

申请号：PCT/EP2020/065129

申请日：2020-06-01

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： SCHMALE, Clemens Ekkehard ,  KHAN, Shazia

IPC: G06Q40/08 ,  G06F16/215 ,  G06F21/57 ,  G06F21/6209 ,  G06F21/6227

Abstract: Proposed is a digital channel for automated risk-transfer underwriting in fragmented, unstructured data environments covering heterogenous risk sources (1142) and risk-exposure classes (1141) associated with assets (2i1) of small and/or medium size enterprises (21,22,…,2i). The digital channel is provided by a digital platform (1) for the risk-exposed units (2, 21,22,…,2i) assessing the digital platform (1) by means of network- enabled devices (2i2) via a data transmission network (4). Risk-transfer portfolio data (101, 102, …, 10i) are held in a persistence storage (10) of the digital platform (1). The digital platform (1) comprises a risk advisory module (11) for automated asset classification (1262), risk scoring (1263) and interactive risk-transfer and risk-exposure steering (1264), wherein asset characteristics parameters (1121) of a unit (21,22,…,2i) are assigned to a risk profile (112) of the unit (21,22,…,2i), and wherein the assets (2i1) of the unit (21,22,…,2i) are classified into predefined asset classes (11211,…,1121i). The digital platform (1) comprises an automated underwriting and pricing module (13), wherein base rates (13412) for applicable risk-transfer covers (13411) are provided and corresponding pricings (13414) are generated based on the base rates (13412), associated rate factors (13413) and value parameters of the asset characteristics parameters (1121), wherein different applicable risk-transfer covers (13411) are generated and are assigned to a profile section (1123) of the risk-exposed unit (21,22,…,2i). A risk score (1124) is generated and assigned to each profile section (1123) of the risk profile (112), wherein the interactive portfolio steering is provided by inter- actively assigning and adjusting risk-transfer covers associated with said portfolio (101, 02, …, 10i).

公开(公告)号：WO2018082784A1

公开(公告)日：2018-05-11

申请号：PCT/EP2016/076783

申请日：2016-11-07

Applicant: SWISS REINSURANCE COMPANY LTD.

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

IPC: G06Q40/08

Abstract: Proposed are a system (1) and a method for the determination 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, wherein data records of accident events are generated and location-dependent probability values for specific accident conditions associated with the risk of car accident are determined. Thus, the proposed system (1) provides a grid-based (2121, 2122, 2123, 2124), technically new way of automation of 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 and systems (41,...,45). In this way, predictions of the accident risk for arbitrary areas can be provided. The system 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 below discussed machine learning techniques.

Abstract translation: 提出了基于非保险相关测量数据并基于自动化交通模式识别来确定和预测车辆事故的绝对和相对风险的系统（1）和方法，其中数据 确定事故事件记录并确定与车祸风险相关的特定事故状况的位置相关概率值。 因此，所提出的系统（1）使用基于环境的因素（海拔，道路网络，交通数据，天气）提供基于网格的（2121,2122,2123,2124）技术上的与运动事故相关的风险预测自动化的新方法 条件），包括影响汽车交通的社会经济因素，并且从适当的测量设备和系统（41，...，45）接收位置。 通过这种方式，可以提供对任意区域事故风险的预测。 该系统通过比较区域或路段的特征与在那里测量或登记的事故的数量和类型，将特征和事故数据关联起来进行校准，例如， 使用下面讨论的机器学习技术。

公开(公告)号：WO2018046103A1

公开(公告)日：2018-03-15

申请号：PCT/EP2016/071385

申请日：2016-09-10

Applicant: SWISS REINSURANCE COMPANY LTD.

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

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。 通过与用户网络节点（3）相关联的捕获设备（33）捕获个体用户特定数据（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）。 所捕获的个体用户专用数据（331）从用户网络节点（3）被发送到中央P2P传输系统（1），并且由非基于存储的处理单元（10）处理，提供所请求的数据 由用户网络节点（3）请求的数据消费者网络节点（4）的服务（101）。 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。

公开(公告)号：WO2018019354A1

公开(公告)日：2018-02-01

申请号：PCT/EP2016/067619

申请日：2016-07-25

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： PERL, Andri ,  BONGERS, Sebastiaan ,  GENOVESE, Donato

IPC: G06Q40/08

Abstract: Proposed is a mobile automotive car system (1), and method thereof, for a dynamic, telematics-based connection search engine and telematics data aggregator, wherein risk-transfer profiles (124) are captured and categorized in a results list (118) from a plurality of first risk-transfer systems (12) based on dynamically generated driving score parameters (10131 /1111..... 1117) by means of appropriately triggered automotive data (3). As a variant, during a predefined trial period (e.g. 1 -2 months), the automotive and driving behavior data (3) can be collected, which are transmitted together with the generated driving score parameters (10131 /1111..... 1117) to multiple automated first risk-transfer systems (12) for quotation. The user is able to dynamically select the best-fitting first risk-transfer system (12) for risk-transfer by means of the results list (118), which is provided and updated in real-time for display to and selection by a user of a mobile telecommunication apparatus (10) by means of a mobile telematics application (101) of the mobile telecommunications apparatus (10).

Abstract translation: 提出了一种用于动态的基于远程信息处理的连接搜索引擎和远程信息数据聚合器的移动汽车系统（1）及其方法，其中风险转移简档（124）被捕获并被分类 在基于动态生成的驾驶评分参数（10131/1111 ..... 1117）的来自多个第一风险传递系统（12）的结果列表（118）中借助于适当触发的汽车数据（3）。 作为变型，在预定试用期（例如1-2个月）期间，可以收集汽车和驾驶行为数据（3），其与所产生的驾驶评分参数（10131/1111 ..... 1117 ）到多个自动化的第一风险转移系统（12）进行报价。 用户能够借助于结果列表（118）动态地选择最适合的第一风险传递系统（12）以进行风险传递，结果列表（118）被实时提供和更新以供显示和由用户选择 借助于移动电信设备（10）的移动远程信息处理应用程序（101）来控制移动通信设备（10）的通信。

公开(公告)号：WO2017220169A1

公开(公告)日：2017-12-28

申请号：PCT/EP2016/064758

申请日：2016-06-24

Applicant: SWISS REINSURANCE COMPANY LTD.

Inventor： PERL, Andri ,  BONGERS, Sebastiaan ,  GENOVESE, Donato ,  KELLER, Andrea

IPC: G08G1/01 ,  G06Q40/08

Abstract: Proposed is an automotive car system (1), and method thereof, associated with a plurality of autonomous or partially autonomous driving motor vehicles (41,...,45). The autonomous or partially autonomous motor vehicles (41,...,45) comprise exteroceptive sensors (4011) for sensing environmental parameters (40111), and proprioceptive sensors (4012) for sensing operating parameters of the motor vehicles (41,...,45). The motor vehicles (41,...,45) further comprise an autonomous or partially autonomous driving control system (461 465) interpreting the sensory data (40111 /40121) of the exteroceptive and proprioceptive sensors (4011 /4012) and identifying appropriate navigation paths and/or obstacles and/or relevant signage. The motor vehicles (41,...,45) or the automotive control systems (461 465) are connected to a central, expert-system based circuit (11) by means of a data link (21) transmitting at least usage-based (31) and/or user-based (32) and/or operating (33) automotive data (3) to the central, expert-system based circuit (11), and wherein the usage-based (31) and/or user-based (32) and/or operational (33) automotive data (3) are based on the sensory data (40111 /40121) and/or operating parameters (4611) of the automotive control system (461,...,465). The automotive car system (1) provides an automated first and/or second risk-transfer based on dynamic generated first and/or second risk transfer parameters (501,..., 505/1021,...,1025) from the motor vehicles (41,...,45), wherein by means of the central, expert-system based circuit (11) the first and/or second risk transfer parameters (501,...,505/1021,...,1025) and correlated first and/or second payment transfer parameters (1021,...,1025/1221,...,1225) are dynamically generated, adapted and/or optimized, wherein, in the case of triggering the occurrence of one of defined risk events (61 63), the occurred loss (71,..., 75) is automatically covered by the automotive car system (1).

Abstract translation: 提出了与多个自主或部分自主驾驶机动车辆（41，...，45）相关联的汽车车辆系统（1）及其方法。 自主或部分自主的机动车辆（41，...，45）包括用于感测环境参数（40111）的感测传感器（4011）和用于感测机动车辆（41，...，45）的操作参数的本体感受传感器（4012） ，45）。 机动车辆（41，...，45）还包括解释外感觉传感器和本体感测传感器（4011/4012）的传感数据（40111/40121）并识别适当导航的自主或部分自主驾驶控制系统 路径和/或障碍物和/或相关标牌。 借助数据链路（21）将机动车辆（41，...，45）或汽车控制系统（461,465）连接到基于专家系统的中央电路（11），该数据链路至少发送基于使用的 （31）和/或基于用户的（32）和/或操作（33）汽车数据（3）到基于中央专家系统的电路 基于汽车控制系统（461，...，465）的传感数据（40111/40121）和/或操作参数（4611），基于汽车数据（32）和/ 。 汽车汽车系统（1）基于来自电机的动态生成的第一和/或第二风险转移参数（501，...，505/1021，...，1025）提供自动的第一和/或第二风险转移 其中通过基于专家系统的中央电路（11）将第一和/或第二风险转移参数（501，...，505/1021，...， 1025）以及相关的第一和/或第二支付转移参数（1021，...，1025/1221，...，1225）被动态地产生，调整和/或优化，其中，在触发一个 （61 63），发生的损失（71，...，75）由汽车系统（1）自动承担。