Search International and National Patent Collections

1. (WO2017157449) TELEMATICS SYSTEM AND CORRESPONDING METHOD THEREOF

Pub. No.:    WO/2017/157449    International Application No.:    PCT/EP2016/055869
Publication Date: Fri Sep 22 01:59:59 CEST 2017 International Filing Date: Fri Mar 18 00:59:59 CET 2016
IPC: G06Q 40/08
B60W 40/00
G07C 5/00
Applicants: SWISS REINSURANCE COMPANY LTD.
Inventors: PERL, Andri
BONGERS, Sebastian
KELLER, Andrea
Title: TELEMATICS SYSTEM AND CORRESPONDING METHOD THEREOF
Abstract:
Proposed is a machine-learning based telematics system 1, and method thereof, with mobile telematics devices (401,...,405) associated with a plurality of motor vehicles (41,...,45). The telematics devices (401,...,405) comprise wireless connections (411,...,415) to a data transmission network (2), and interfaces (421,...,425) to an on-board diagnostic system (431,...,435) or in-car interactive device (441,...,445) or cellular mobile node application (451,...,455). The telematics devices (401,...,405) capture usage-based (31) and/or user-based (32) telematics data (3) of the motor vehicle (41,...,45) and transmit them via a data transmission network (2) to a machine-learning based telematics circuit (11). The machine-learning based circuit (11) generates first risk transfer parameters (501,...,505) and correlated first payment transfer parameters (1021,...,1025) and transmits them to a first risk-transfer system (10), wherein, in the case of triggering the occurrence of a predefined risk events (61,..., 63), the occurred loss (71,.... 75) is automatically covered by the first risk-transfer system (10) based on the first risk transfer parameters (501,..., 505) and correlated first payment transfer parameters (1021,...,1025). Second risk transfer parameters (51 1,..., 515) and correlated second payment transfer parameters (1221,...,1225) are generated by means of the machine-learning based telematics circuit (11) and transmitted to the second risk-transfer system (12), wherein the occurred loss (71,..., 75) is at least partly covered by the second insurance system (12) based on the second risk transfer parameters (511,..., 515) and correlated second payment transfer parameters (1221,...,1225). The first and second risk transfer parameters (501,..., 505/511,..., 515) and the correlated first and second payment transfer parameters (1021,...,1025/1221,...,1225) are mutually adapted and/or optimized by means of the machine-learning based telematics circuit (11) based on the captured usage-based (31) and/or user-based (32) telematics data (3).