Abrégé

Proposed is a digital system and a method for forecasting and/or allocating risk measures for an occurrence of an impact event causing a physical loss or damage impact on cargo and/or cargo logistics causing a negative impact on the cargo and/or the cargo logistics services. Sets of measurable cargo logistics parameters are captured by the system as logistics input signals from a cargo logistics services database and are transmitted to an allocation structure. Each set of measurable cargo logistics parameters at least comprises cargo parameters and/or logistics parameters. At least one risk factor indicating a measured negative impact risk for the cargo and/or the cargo logistics services is captured by the system as risk input signals. Each of the risk factors at least corresponds to a measured impact strength or impact type of a negative impact on the cargo and/or the cargo logistics services, and/or a quantified damage at the cargo and/or on the cargo logistics services. At least one measurable cargo logistics parameter is assigned a risk factor by the allocation structure that corresponds to a measured value of the measurable cargo logistics parameters. An aggregated risk measure for the cargo logistics services is automatically generated by an aggregating structure of the processing unit based on the at least one risk factors allocated to measurable cargo logistics parameters and is provided as output signal by a signal generator to predict an occurrence of a measurable negative impact.

Classes IPC  ?

• G06Q 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
• G06Q 10/0833 - Repérage
• G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules

Abrégé

Proposed is a parameter pattern-driven, data mining system and corresponding method with a knowledge extraction engine based on a customizable chain of machine-learning-structures providing an automated pipeline for data processing of complex data structures with a hidden pattern detection for triggering automated under-writing processes. A plurality of digital risk-transfer policies is assessed via a data interface and storable captured by a persistence repository unit of the parameter pattern-driven, data mining system. The digital policy at least comprises premium parameter values and/or deducible parameter values and/or risk-transfer type definition parameter values and/or policy limits parameter values and/or exclusion parameter values and/or riders/addit parameter values. The parameter pattern-driven, data mining system comprises a chained series of machine learning modeling structures automatically assessing and parsing digital risk-transfer policies of a policyholder, and automatically translating contractual language of the digital policy into actionable offers for the policyholder by generating appropriate new digital risk-transfer policies for automated under writing by the policyholder.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06N 20/00 - Apprentissage automatique
• G06Q 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
• G06Q 50/18 - Services juridiques; Maniement de documents juridiques

Abrégé

Proposed is a vehicle embedded or mobile-phone-based, automated dynamic routing unit associated with a vehicle and/or a user along a route traveled and method thereof. The dynamic routing unit provides an optimized route between a departure location and a destination location, wherein the automated dynamic routing unit comprises a routing interface for receiving destination input parameters of a destination location and/or departure location input parameters of a departure location, and wherein the automated dynamic routing unit comprises a routing generator for generating one or more routes between the departure location and the destination location.

Classes IPC  ?

• G01C 21/34 - Recherche d'itinéraire; Guidage en matière d'itinéraire
• G01C 21/36 - Dispositions d'entrée/sortie pour des calculateurs embarqués

Abrégé

The invention relates to automated method (1) for providing a dynamic parametric cover to an individual in case of an occurrence of a flood event by using an adoptive risk-transfer structure based on physical flood event measurements. Using a predefined data structure, a geographic or topographic area to be covered is determined. Equally spaced network points are generated over said geographic and/or topographic area providing a meshed network of network points having a definable mesh size and covering the whole geographic and/or topographic area. After an occurrence of a flood event, for an affected area of said geographic and/or topographic area the total number of network points within the affected area is aggregated and the affected area of said geographic and/or topographic area is measured based on measuring a flooding at each network point of the meshed network within the affected area based on the flood map, wherein network points measured as flooded are contributing to the measured affected area while network points measured as not flooded are not contributing to the measured affected area.

Classes IPC  ?

• G01W 1/10 - Dispositifs pour la prévision des conditions météorologiques
• G06V 20/13 - Images satellite

Abrégé

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.

Classes IPC  ?

• G06Q 40/06 - Gestion de biens; Planification ou analyse financières
• G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"

Abrégé

A geospatial digital encoding, decoding, and mapping system and method for processing and geospatial data to generate a unique geo identification (ID) code for a geospatial object distinctively identifying the geospatial object and for decoding and mapping a unique geo identification code (ID) to a digital representation. The system comprises a geospatial data processing unit for capturing geospatial data associated with a geospatial object, and for extracting a footprint of the geospatial object based on the geospatial data. The system comprises boundary determination unit for identifying a centroid of the footprint and determining relevant boundary for the footprint. The system further comprises geo ID code generation unit for determining an orientation of the boundary and rotating the boundary around the centroid of the footprint. The geo ID code generation unit computes directional extents of the boundary, and generates the geo ID code based on directional extents, centroid, and orientation of the boundary.

Classes IPC  ?

• G06F 16/29 - Bases de données d’informations géographiques
• G06T 17/05 - Modèles géographiques

Abrégé

Proposed is an automated system and method for measuring and/or allocating risk measures of loss for a replacement cost of an electric vehicle and/or parts of the electric vehicle. The system based on a forward looking model structure for electric vehicles (FLM-EV) returns rating modification factors for MTPL and MOD for electric vehicles. The input consists of either car make, model year or rating parameters like model year, maximum power etc. The output are modification factors that are applied on MOD or MTPL frequency, severity or expected loss for non-electric cars.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

Proposed is a digital and automated underwriting system and method with fast point of sale decision-making and intelligent data processing engine for the coverage of possible damage impacted by the occurrence of health events to users. The automated system captures user-specific medical parameter data sets. The captured medical parameter data sets are processed by the electronic signal processing engine, wherein the electronic signal processing engine transmits an output signal generated upon processing the medical parameter data set, the output signal automatically triggering or blocking an automated underwriting process by an electronic underwriting unit.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

Proposed is an electronic risk measuring and scoring system and method for an autonomous vehicle, comprising: an vehicle component valuation unit to valuate the autonomous vehicle; an automated ranking unit for determining ranking associated with forward-looking accident frequencies and severities for the autonomous vehicle based on the valuation thereof, and at least on one of operational risk data, contextual risk data, technical performance of the autonomous vehicle, legal risk data and cyber risk data therefor; a benchmarking unit for benchmarking autonomous vehicle risks associated with the autonomous vehicle based on testing and/or simulating an autonomous vehicle component modelling structure for the autonomous vehicle; a risk class unit for generating a risk space with one or more risk classes for the autonomous vehicle based on the benchmarking; and a scoring unit for generating scores or indices, to calibrate and rate and/or price risk-transfers, and/or as input for risk-transfer modeling.

Classes IPC  ?

• B60W 50/06 - COMMANDE CONJUGUÉE DE PLUSIEURS SOUS-ENSEMBLES D'UN VÉHICULE, DE FONCTION OU DE TYPE DIFFÉRENTS; SYSTÈMES DE COMMANDE SPÉCIALEMENT ADAPTÉS AUX VÉHICULES HYBRIDES; SYSTÈMES D'AIDE À LA CONDUITE DE VÉHICULES ROUTIERS, NON LIÉS À LA COMMANDE D'UN SOUS-ENSEMBLE PARTICULIER - Détails des systèmes d'aide à la conduite des véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier pour améliorer la réponse dynamique du système d'aide à la conduite, p.ex. pour améliorer la vitesse de régulation, ou éviter le dépassement de la consigne ou l'instabilité
• B60W 60/00 - Systèmes d’aide à la conduite spécialement adaptés aux véhicules routiers autonomes
• G07C 5/02 - Enregistrement ou indication du temps de circulation, de fonctionnement, d'arrêt ou d'attente uniquement
• G06F 30/20 - Optimisation, vérification ou simulation de l’objet conçu

Abrégé

Proposed is a digital platform and a method for automated risk analysis for a physical property asset are based on image data of a geographic area, geo location parameters for locations in the geographic area and measurement-based risk relevant data for locations in the geographic area. The digital platform is used to generate a location digital twin based on image data of a geographic area, a sub-area including a physical property asset of interest, geo location parameters and the measurement-based risk relevant data of the property asset of interest in the sub area. A framework structure maintains a plurality of location digital twins of a plurality of physical property assets providing a basis for the risk analysis.

Classes IPC  ?

• G06F 30/13 - Conception architecturale, p.ex. conception architecturale assistée par ordinateur [CAAO] relative à la conception de bâtiments, de ponts, de paysages, d’usines ou de routes
• G06V 20/10 - Scènes terrestres
• G06F 30/12 - CAO géométrique caractérisée par des moyens d’entrée spécialement adaptés à la CAO, p.ex. interfaces utilisateur graphiques [UIG] spécialement adaptées à la CAO

Abrégé

Proposed is an automated maximum impact measurand forecasting system for measuring an impact of an explosion of an explosive in open steel and/or concrete and/or reinforced concrete structures, wherein at least loading and/or resistance measuring parameter values are measured and/or captured by the automated forecasting system.

Classes IPC  ?

• G06F 30/20 - Optimisation, vérification ou simulation de l’objet conçu

Abrégé

Proposed is an electronic vulnerability detection and measuring system and method for susceptibility or vulnerability measurements of a truck fleet to occurring accident events caused by a carriage vehicle of the carriage vehicle fleet. At least one data interface is associated with data access means to a carriage vehicle fleet database for capturing carriage vehicle data as a fleet input signals from the carriage vehicle fleet database. The carriage vehicle data comprises: vehicle data comprising physical parameter measurements of carriage vehicle characteristics for the carriage vehicles, carriage vehicle driver data comprising physical parameter measurements of driver characteristics and/or carriage vehicle usage data comprising physical parameter measurements of carriage vehicle usage characteristics. At least one data interface is associated with data access means for capturing behavioral driving data of an electronic driving monitoring system of at least one carriage vehicle as a driving data input signal. A processing unit is designed for receiving the fleet input signal and the driving data input signal and comprises a machine learning module for analyzing the data provided by the fleet input signal and the driving data input signal by using one or more machine learning structures and generating a risk index value for the carriage vehicles. An aggregating module automatically generates an aggregated risk score measure for the truck fleet based on the risk index values of the carriage vehicles. A signal generator provides the aggregated risk score measure as output signal indicating the risk score measure of the truck fleet.

Classes IPC  ?

• B60W 30/09 - Entreprenant une action automatiquement pour éviter la collision, p.ex. en freinant ou tournant
• B60W 50/14 - Moyens d'information du conducteur, pour l'avertir ou provoquer son intervention
• G08G 1/00 - Systèmes de commande du trafic pour véhicules routiers

Abrégé

An aerial and/or satellite imagery-based, optical system and corresponding method for measuring physical impacts to land-based objects by impact measurands in case of an occurrence of a natural catastrophe event, the natural catastrophe event impacting the objects causing a physical damage. The method and system comprise the steps of capturing by remote airborne and/or spaceborne sensors digital aerial and/or satellite imagery and/or photography of an area affected by the natural catastrophe event and generating a digital natural catastrophe event footprint with a topographical map of the natural catastrophe event based on the captured digital satellite imagery. Finally, parametrizing, by an adaptive vulnerability curve structure, impact measurands for selected objects based on the measured topographical map and generating an impact measurand value for each of the land-based objects based on an event intensity measured by the natural catastrophe event footprint using the vulnerability curve structure. In addition, the present invention leverages computer vision/deep learning/artificial intelligence on actual post catastrophe satellite and aerial imagery to detect and measure different types and/or damages of damage on properties/roofs.

Classes IPC  ?

• G06V 20/10 - Scènes terrestres
• G06V 20/13 - Images satellite

Abrégé

Proposed is an automated, fully integrated, and embedded measuring system and method for measuring a score-indexing parameter essentially based on directly measured connected motor vehicle sensory data and/or sensory data of a mobile device of a user of the motor vehicle. The sensory data stem from a change in status of the vehicle at any point in time, due to i) the actions/reaction of the driver, ii) the context in which the driver is driving or, the way the driver perceives and feels the surroundings, iii) the way the car adapts to internal and external conditions, including the driver. The measured score-indexing parameter captures (i) vehicle component impacts by which systems are present and activated/deactivated, (ii) driver component impact comprising at least measured harsh maneuvers and/or excess of speed and/or risky behaviors and/or distraction, and (iii) contextual component impacts where vehicle data are enriched with additional layers to measure location-based risks.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente

Abrégé

Proposed is a scalable, data-driven digital market place and system providing a standardized data aggregator by a central digital platform for interlinking sensitive risk-related data, the scalable data-driven digital market place providing controlled data-driven and/or process-driven cross-data interaction between different units of the scalable data-driven digital market place and the central digital platform. The digital market place platform is based on an automated digital process for users centered around six areas with modular core and premium add-on processes. The first area provides automated loss analytics and automated programme optimization facilitating the understanding of loss trends and automated deriving of an optimized risk-transfer structure and/or programme. The second area provides automated property exposure management and automated visualization of property portfolio and risk exposures. The third area provides employee health risk-transfer structures and/or programmes facilitating automated analysis of complex impact of risks on employee health programs and/or risk-transfer structures. The forth area provides automated policy and/or certificate and/or exposure and/or claims management, inter alia, providing automated capturing and automated managing of risk-relevant data and documents. The fifth area provides automated supply chain resilience by automatically creating digital twins of production and supplier networks to be covered and/or fenced by risk mitigation. The sixth area provides automated sustainability solutions and/or automated compiling of sustainability metrics and tracking against NetZero.

Classes IPC  ?

• G06F 21/60 - Protection de données

Abrégé

Proposed is a ML-based, predictive, digital underwriting system and corresponding method providing an automated parameter-driven predictive underwriting process based on measured probability values associated with individuals of a cohort or portfolio, the individuals being exposed to a probability of occurrence of one or more predefined medical and/or health and/or life events having the probability value with a predefined severity within a future measuring time-window.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06N 5/022 - Ingénierie de la connaissance; Acquisition de la connaissance

Abrégé

The invention relates to automated airborne and/or spaceborne optical flood sensory and flood impact sensory method and system for measuring and/or forecasting a weightage-specific, quantitative flooding measure value and/or a weightage-specific, quantified flooding impact extent measure value, the weightage being based on an object density of a selected topographic and/or geographic area impacted by an occurrence of a flood event.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G01W 1/10 - Dispositifs pour la prévision des conditions météorologiques
• G01W 1/14 - Pluviomètres ou udomètres
• G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06N 3/0464 - Réseaux convolutifs [CNN, ConvNet]
• G06N 3/084 - Rétropropagation, p.ex. suivant l’algorithme du gradient

Abrégé

The invention relates to automated method and flood measuring and trigger system for providing a dynamic parametric flood impact cover for physical objects being measurably impacted by an occurrence of a flood event by using an adaptive damage-cover structure of a damage-cover system based on physical flood event measurements, wherein by flood detection devices and/or flood sensors, an occurrence of a flood event is measured by measuring floodings within the grid cells of the spatial grid, wherein flood measuring parameters of the flood detection devices and/or flood sensors are transmitted to the central measuring engine and wherein, based on the transmitted flood measuring parameters, grid cells measured as flooded are contributing to the area measured as affected while grid cells measured as not flooded are contributing to the area measured as not affected.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G01W 1/14 - Pluviomètres ou udomètres

Abrégé

Proposed is a cloud-based, scalable, advanced analytics platform and/or anomaly detection system 1 for analyzing complex medical risk data and providing dedicated electronic trigger signals, inter alia, applicable for triggering risk-related activities or providing expert-system-based insights for medical risk-transfer. The digital-based system can, inter alia, be based on measurements based on evolving real-world measuring parameters associated with complex medical or clinical risk-related measuring parameter values and data. The present invention further relates to pattern anomaly detection and more specifically to a method and apparatus for performing a multi-domain anomaly pattern definition and detection, in particular in the filed bio-surveillance.

Classes IPC  ?

• G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santé; TIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p.ex. pour la gestion du personnel hospitalier ou de salles d’opération
• G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p.ex. basé sur des systèmes experts médicaux
• G06Q 40/08 - Assurance

Abrégé

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.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06V 20/00 - RECONNAISSANCE OU COMPRÉHENSION D’IMAGES OU DE VIDÉOS Éléments spécifiques à la scène

Abrégé

Proposed is an automated system 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 provides an automated multi-step trigger and detection cycle based on sensory measuring data for risk-exposed individuals thereby mitigating possibly occurring long-term care needs by means of the automated system based on a detected sufficient state of disability, possibly predetermined up-front amount parameters and an assigned care equity ratio associated with an asset. The state of disability of the risk-exposed individual is measurable by a definable set of risk-exposed individual measuring parameters.

Classes IPC  ?

• G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières

Abrégé

A method and system for electronic trip familiarity detection based on sensory data measured by a plurality of sensors of a mobile telematics device associated with a user and/or a vehicle, the plurality of sensors at least comprising a GPS sensor and/or an accelerometer, the mobile device comprising one or more wireless connections, wherein by at least one of the wireless connection the mobile device acts as a wireless node within a cellular data transmission network by means of antenna connections of the mobile device to the cellular data transmission network, and the plurality of sensors being connected to a monitoring mobile node application of the mobile device, wherein the monitoring mobile node application captures usage-based and/or user-based sensory data of the plurality of sensors of mobile device.

Classes IPC  ?

• H04W 4/029 - Services de gestion ou de suivi basés sur la localisation
• H04W 4/02 - Services utilisant des informations de localisation
• H04W 4/38 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour la collecte d’informations de capteurs

Abrégé

Proposed is an automated measuring system for progress monitoring and steering of impacts of a complex system to world environment and ecosystem induced by environmental-human linkages and for quantitative measuring of effects of applied risk-transfer structures to said environmental-human linkages induced by risk-transfer-SDG linkages measuring quantifying distances of progresses toward at least one of a predefined sustainable development goal with and without applying said risk-transfer structures.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

An intermediary, digital, data-driven platform and procedures for heterogeneous industrial ecosystems for the standardised recording and automated management of risk transfers and assigned product- and company-specific capacities as a standardised digital channel between risk-exposed units of the industrial ecosystem and the systems of a heterogeneous risk transfer ecosystem.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

A method and system for automated transportation mode recognition based on sensory data measured by a plurality of sensors of a cellular mobile device of a user, the plurality of sensors at least comprising an accelerometer and a gyroscope, the plurality of sensors being connected to a monitoring mobile node application of the mobile device, wherein the mobile device measures time series of sensory parameter values based on measuring parameters obtained from the sensors, the measuring parameters comprise time series of sensory parameter values of a 3-axis accelerometer as sensor and time series of sensory parameter values of GPS-based speed measurements of a GPS receiver as sensor, 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.

Classes IPC  ?

• G06N 20/20 - Techniques d’ensemble en apprentissage automatique
• H04W 4/029 - Services de gestion ou de suivi basés sur la localisation
• G06Q 50/30 - Transport; Communications
• G06Q 50/26 - Services gouvernementaux ou services publics
• G01C 21/30 - Mise en coïncidence avec des cartes ou des contours

Abrégé

A measuring and monitoring system is proposed comprising a plurality of measuring sensors and measuring devices by means of which geographically cellularly delimited measuring parameters are acquired. The measuring parameters are aggregated to a BES index, wherein the measuring parameters are selected in relation to the desired measurement accuracy of the biodiversity and ecosystem services (BES) index. The measuring and monitoring system comprises selectable, various biodiversity and ecosystem services at least comprising measuring parameters for measuring the habitat intactness and/or pollination and/or air quality and local climate and/or water security and/or water quality and/or soil fertility and/or erosion control and/or coastal protection and/or food provision and/or timber provision. The measuring and monitoring system further permits the quantitative acquisition/measurement of risk indices based on the measured ecosystem services as a function of sectoral economic services.

Classes IPC  ?

• G06T 17/05 - Modèles géographiques
• G06F 16/29 - Bases de données d’informations géographiques

Abrégé

Proposed is a digital multi-channel platform based on a multi-channel, high-layer data-transfer structure accessible by means of web-client applications running on front-end network-enabled devices providing discrete high-layer data-flow and capturing of structured and unstructured data content transferred from the front-end network-enabled devices over a data transmission network to a digital multi-channel back-end system.

Classes IPC  ?

• G06Q 40/08 - Assurance
• H04L 67/50 - Services réseau
• G06F 40/205 - Analyse syntaxique
• G06F 40/284 - Analyse lexicale, p.ex. segmentation en unités ou cooccurrence

Abrégé

Proposed is an automated risk assessment and underwriting platform and corresponding method. The platform providing an automated underwriting process comprising the processing steps of: (i) identifying, for each line of business or industry, risk classes with similarity risk characteristics, comprising industry classes and/or sub-classes, (ii) analyzing risk classes for typical risk features, (iii) turning features into a small set of risk focused questions and pre-defined responses from which the underwriting return (UWR) picks the answers, (iv) weighting questions and feeding responses into a structure generating a default risk assessment allocating the actual risk into a risk quality quintile, (v) benchmarking by the underwriter, based on experience and knowledge the actual risk against other bound risks belonging to the same risk class, the underwriter further modifying the default risk assessment leading to a different risk opinion, (vi) justifying with a rationale the modification of the default risk assessment, and (vii) using the final risk assessment as the basis for risk related base rate modifications in the pricing process. Further, the platform provides automated management of risk-driven portfolios.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières

Abrégé

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

Classes IPC  ?

• G06Q 40/08 - Assurance
• B60W 40/09 - Style ou comportement de conduite

Abrégé

An automated real-time fraud monitoring and detection system for detecting unusual and/or suspicious activities within a network of nodes interconnected by edges triggered by captured synthetic forms of social data, in particular social networking and/or linkage and/or relationship data and social metadata including at least data from microblogging services and/or social networking services by pattern recognition and matching.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

An automated system, phone distraction detector and method for automatically detecting phone distraction events in a moving vehicle, caused by a driver of the moving vehicle by using a smartphone. An Internet of Things (IoT) server is communicatively coupled to the smartphone. The smartphone (comprises one or more sensors built into the smartphone, wherein sensory data of the one or more sensors, are captured by the sensors of the smartphone during a vehicle trip and are transmitted to the Internet of Things (IoT) server, and wherein the sensor data comprises one or more chunks of data streams associated with an IoT service from the smartphone. The sensory data are processed and analyzed by the server to identify one or more phone handling events associated with the smartphone during the vehicle trip. One or more phone handling events associated with the smartphone are aggregated into one or more macro events by the processing means of the server. The aggregated one or more macro events are processes by the server 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.

Classes IPC  ?

• H04M 1/72454 - Interfaces utilisateur spécialement adaptées aux téléphones sans fil ou mobiles avec des moyens permettant d’adapter la fonctionnalité du dispositif dans des circonstances spécifiques en tenant compte des contraintes imposées par le contexte ou par l’environnement
• B60W 40/08 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conducteurs ou aux passagers

Abrégé

A digital platform and system that provides an automated, multi-channel, end-to-end risk-transfer configuration and/or parametrization process for configuring, launching, and processing of customized second-tier transfer structures, wherein an automated risk-transfer placement for objects or property assets each having a geographic location related to occurrence of physical impacting risk-events, the objects or property assets impacting events, is provided by the digital platform and system as a first online channel comprising an electronic, parameter-driven, rule-based underwriting process for automatically creating a portfolio or composition of customized second-tier structures. An automated claim handling is provided by the digital platform and system as a second online channel, and automated accounting is provided by the digital platform and system as a third online channel.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
• G06Q 10/10 - Bureautique; Gestion du temps
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières
• G06Q 10/067 - Modélisation d’entreprise ou d’organisation
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

A digital marketplace platform providing an automated, multi-channel, end-to-end, digital marketplace platform providing fully automated, end-to-end risk-assessment and risk-transfer processes by configuring, launching and processing of customized insurance and/or reinsurance products and services offered for B2B and B2C users. Each individual and service provided on the Marketplace is automatically rated on its contribution to a resilience score of the consumers that purchase products on the Marketplace and benefits from the marketplace's services. In L&H risk-transfer, the resilience score, inter alia, measures and rates the current health status of individuals, and their likelihood to purchase insurance protection or start/keep behaviors that improve their health status, dynamically reassessed throughout the term of the risk-transfer, i.e. its lifetime, by the digital platform.

Classes IPC  ?

• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G16H 20/60 - TIC spécialement adaptées aux thérapies ou aux plans d’amélioration de la santé, p.ex. pour manier les prescriptions, orienter la thérapie ou surveiller l’observance par les patients concernant le contrôle de l’alimentation, p.ex. les régimes

Abrégé

A digital platform for automated prediction and quantified measuring of exposure-measures measuring occurring construction and erection risks of an engineering or construction project and for automated forecast and measuring of future occurring loss patterns induced by occurring construction/erection risk events to the project measurably exposed to construction/erection risks. An engineering risk profile of a project associated with and exposed to construction and/or erection risks is assembled, and, based on the predicted and measured future occurring losses patterns, risk-tailored expert advices for underwriting parameters are provided.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières
• G06Q 50/08 - Construction
• G06N 3/02 - Réseaux neuronaux

Abrégé

A method and system for identifying and/or classifying a user of a vehicle based on sensory data measured by sensors of a cellular mobile device, the sensors at least comprising an accelerometer and a gyroscope. The mobile device measures gravitational acceleration movement sensory data by the accelerometer based on measuring parameters obtained from the accelerometer, vehicle entering or exiting movement patterns of the user being 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.

Classes IPC  ?

• B60W 40/08 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conducteurs ou aux passagers
• H04W 4/48 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p.ex. communication véhicule-piétons pour la communication dans le véhicule

Abrégé

A digital cross-network platform and method for providing controlled data- and process-driven cross-network interaction and program development between heterogeneous units with network-enabled devices on a secured cloud-based network, each unit having a unit or user account in the digital cross-network platform with assigned authentication and authorization credentials for authentication and authorization controlled network access to the digital cross-network platform and the secured cloud-based network, and each unit having an assigned relationship with one or more other units stored in a persistent storage of the digital networking platform, each assigned relationship providing a defined relationship between the one or more other units or a subgroup of the one or more other units and an associated program.

Classes IPC  ?

• G06N 20/10 - Apprentissage automatique utilisant des méthodes à noyaux, p.ex. séparateurs à vaste marge [SVM]
• G06N 5/02 - Représentation de la connaissance; Représentation symbolique
• G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison

Abrégé

A system and method for real-time risk-assessment and adjustment, risks associated with a plurality of risk exposed individuals being at least partially transferable from a risk exposed individual to a first insurance system and/or from the first insurance system to an associated second insurance system. The system including a table with retrievable stored risk classes each comprising assigned risk class criteria, individual-specific parameters of the risk exposed individuals being captured relating to criteria of the stored risk classes by the system and stored in a memory, and a specific risk class associated with the risk of the exposed individual being identified out and selected of the stored risk classes by the system based on the captured parameters.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

A digital device is provided for automated risk-transfer underwriting in fragmented, unstructured data environment. The digital device includes a plurality of sensors, a storage configured to store transfer portfolio data, and circuitry configured to measure characteristics parameters of a plurality of objects, assign the measured characteristics parameters to a profile associated with the plurality of objects, classify the plurality of objects into a plurality of classes based on the measured characteristics parameters, generate a transfer cover value based on (i) the measured characteristics parameters and (ii) a relationship between a risk source, a risk exposure measure, and a risk exposed object of the transfer portfolio data, assign the generated transfer cover value to the corresponding section of the profile for the risk exposed object, and generate a risk score value to the corresponding section of the profile based on the assigned transfer cover value.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
• G06F 16/215 - Amélioration de la qualité des données; Nettoyage des données, p.ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
• G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p.ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité

Abrégé

A simulation device is provided for automated prediction of impact measures based on occurrences of physical events. The simulation device includes a plurality of sensors and circuitry configured to detect the occurrences of the physical events based on predefined event parameters, measure impacts of the physical events on a physical object based on impact parameters, dynamically capture characteristics of the physical object and generate characteristics parameters based on the captured characteristics, identify a plurality of records associated with predefined events impacting the physical object and transfer the records to a portfolio, generate a rate value based on the predefined event parameters and the characteristics parameters, and estimate a cost for transferring a record, and dynamically provide forward- and backward-looking impact measures based on at least one of (i) a variation of the rate value and (ii) the portfolio including the plurality of records.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières
• G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 10/10 - Bureautique; Gestion du temps

Abrégé

A digital device is provided with circuitry configured to select object elements stored in a storage of the digital device, and assemble the selected object elements, a plurality of sensors configured to measure at least one parameter of structural parameter, operational parameter, and environmental status parameter, the at least one parameter being associated with a physical object represented by the assembled object elements, wherein the assembled object elements include data structure representing states of subsystems of the physical object, and the data structure holds a value of the at least one parameter.

Classes IPC  ?

• G06F 30/20 - Optimisation, vérification ou simulation de l’objet conçu
• G06F 17/18 - Opérations mathématiques complexes pour l'évaluation de données statistiques

Abrégé

A fully or semi-automated, integrated learning, labeling and classification system and method have closed, self-sustaining pattern recognition, labeling and classification operation, wherein unclassified data sets are selected and converted to an assembly of graphic and text data forming compound data sets that are to be classified. By means of feature vectors, which can be automatically generated, a machine learning classifier is trained for improving the classification operation of the automated system during training as a measure of the classification performance if the automated labeling and classification system is applied to unlabeled and unclassified data sets, and wherein unclassified data sets are classified automatically by applying the machine learning classifier of the system to the compound data set of the unclassified data sets.

Classes IPC  ?

• G06N 20/00 - Apprentissage automatique
• G06F 16/906 - Groupement; Classement
• G06N 20/10 - Apprentissage automatique utilisant des méthodes à noyaux, p.ex. séparateurs à vaste marge [SVM]
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage

Abrégé

An event generator generates risk events for clash-quantifying, multi-risk assessment systems with automated assessment of multi-risk exposures induced by the generated risk events, liability catastrophes and casualty accumulations. A plurality of affected units are subject to an risk exposure of occurring risk events caused by one or more liability risk exposed units. The event generator selects relevant LLC/ULC/ELC scenarios from scenarios of a data structure. The event generator generates concrete events based on the selected scenarios.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières

Abrégé

A system and method for providing a liability temperature measure based on a time-dependent, composite indexing parameter. Measurement parameters assigned to parameterized liability risk drivers are measured for generating the measured time-dependent, composite indexing parameter. The used liability risk drivers are selected based on their impact to the measured variable composite index parameter and dynamically normalized to each other. The normalization is based on a defined transformation applied to the final time series of the parameters providing individual set weights. Based on the weighted liability risk drivers and sets of liability risk drivers, a minimum number of liability risk drivers in relation to maximized statistical significance is selected by applying an index assembly and validation unit. The index assembly and validation unit provides the minimum number of liability risk drivers as a reduced set of liability risk drivers out of all available liability risk drivers using best fit characteristics.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• B60W 40/09 - Style ou comportement de conduite
• G06F 17/18 - Opérations mathématiques complexes pour l'évaluation de données statistiques

Abrégé

A risk parsing device provides risk splitting and loss event diversification for a multi-risk forecast systems capturing multiple loss aggregation under complex environmental conditions based on the occurrence of defined loss events. The loss events are triggered by one or more involved causing units and affected units, wherein the loss events evolve from one or multiple risk accumulating sources. Risk events related loss measures can be scattered over multiple causing units or multiple related clash events. The multi-risk forecast system provides loss-generating processes and events, wherein the inventive risk splitter is a technical core element to generate an event-related loss distribution mirroring cause-effect chains induced by the risk events which extend over space and time. The risk splitter module allows automated splitting of the risk based on risk exposed, causing unit characteristics and risk exposed affected units' characteristics. The causing unit characteristics comprises for each causing unit assigned activity characteristic parameters and participation characteristic parameters of said causing unit defining for a specific causing unit a specific set of executable activity link members and market share driving participation probabilities. The causing unit characteristics comprises quota parameters defining affected populations of affected units with incidence and defining refined effect types.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06F 17/18 - Opérations mathématiques complexes pour l'évaluation de données statistiques
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières
• G06Q 40/08 - Assurance

Abrégé

An electronic logging and track detection system for mobile telematics devices and method are provided. In particular, an electronic logging and track detection system and system for mobile telematics devices, as smart phones and/or mobile cellular phones is proposed, which tend to change their sensing and measuring orientation and direction in respect to the main direction of movement/motion or moving sense, as for example given by a person with proper motion holding a mobile phone within a moving vehicle. Instantaneous movement telematics data are measured by and logged from sensors of the mobile telematics devices and trips and/or trip-segments based on the instantaneous movement sensory telematics data are automatically identified and detected at least by the telematics sensors comprising an accelerometer sensor and a gyroscope sensor and a Global Positioning System sensor. The telematics devices comprise one or more wireless connections acting as a wireless node within a corresponding data transmission network by means of antenna connections of the telematics device.

Classes IPC  ?

• G06Q 40/08 - Assurance
• B60W 40/09 - Style ou comportement de conduite
• G01C 21/12 - Navigation; Instruments de navigation non prévus dans les groupes en utilisant des mesures de la vitesse ou de l'accélération exécutées à bord de l'objet navigant; Navigation à l'estime
• G06N 3/08 - Méthodes d'apprentissage
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
• G01S 19/52 - Détermination de vitesse
• G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
• G06Q 20/08 - Architectures de paiement
• G07C 5/02 - Enregistrement ou indication du temps de circulation, de fonctionnement, d'arrêt ou d'attente uniquement
• G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande
• B60W 40/02 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conditions ambiantes
• B60W 40/10 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés au mouvement du véhicule
• H04W 4/40 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p.ex. communication véhicule-piétons

Abrégé

A system 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. The proposed system provides a grid-based, technically new way of automation of risk-prediction related to motor accidents using environment based factors including socio-economic factors that are impacting motor traffic and are location dependent received from appropriate measuring devices and systems. 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.

Classes IPC  ?

• B60W 30/095 - Prévision du trajet ou de la probabilité de collision
• B60W 40/09 - Style ou comportement de conduite
• G08G 1/16 - Systèmes anticollision
• G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande
• B60W 40/04 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conditions ambiantes liés aux conditions de trafic
• B60W 40/06 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conditions ambiantes liés à l'état de la route
• G06Q 40/08 - Assurance

Abrégé

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.

Classes IPC  ?

• G06Q 40/08 - Assurance
• B60W 30/095 - Prévision du trajet ou de la probabilité de collision
• B60W 40/09 - Style ou comportement de conduite
• G08G 1/16 - Systèmes anticollision
• G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande

Abrégé

An automated, real-time mortality classification and signaling system for real-time risk assessment, and adjustment based on an automated selective multi-level triage process, where risks associated with a plurality of risk-exposed individuals are at least partially transferable from a risk-exposed individual to a first insurance system and from the first insurance system to an associated second insurance system, the real-time mortality classification and signaling system accesses a database stored in a memory to retrieve risk classes, identifies and selects a specific risk class associated with the risk of the exposed individual, processes specific parameters of the exposed individual using a machine learning-based pattern recognition to automatically assign risk-exposed individuals with detected non-smoking patterns to a second triage channel, and automatically assigning risk-exposed individuals with detected smoking patterns to a third triage channel as predicted smokers. Based on the classified risk, the system provides an alert notification to a third-party system.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06N 20/10 - Apprentissage automatique utilisant des méthodes à noyaux, p.ex. séparateurs à vaste marge [SVM]

Abrégé

An electronic, real-time system performs maneuver recognition of vehicles based on dynamically measured telematics data, particularly the sensory data of smartphone sensors, and more particularly data from the accelerometer sensor and the global positioning system (GPS) sensor and/or the gyroscope sensor of a smartphone. The axes of the smartphone may be moving independently relative to the axes of the vehicle and thus do not need to be aligned with the axes of the vehicle. Driver behaviors and operational parameters are automatically measured and discriminated, based on automatically individuated and measured driver maneuvers within various measured vehicle trajectories, and an output signal is generated based upon derived risk measure parameters and/or crash attitude measure parameters. The system can use score-driven, especially risk-score driven, operations associated with motor vehicles or transportation modes for passengers or goods, and reliant on a dynamic, telematics-based data aggregation and dynamically measured driving maneuvers, respectively.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G01C 21/12 - Navigation; Instruments de navigation non prévus dans les groupes en utilisant des mesures de la vitesse ou de l'accélération exécutées à bord de l'objet navigant; Navigation à l'estime
• B60W 40/09 - Style ou comportement de conduite
• G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
• G01S 19/52 - Détermination de vitesse
• G06N 3/08 - Méthodes d'apprentissage
• G06Q 20/08 - Architectures de paiement
• G07C 5/02 - Enregistrement ou indication du temps de circulation, de fonctionnement, d'arrêt ou d'attente uniquement
• G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande
• B60W 40/02 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés aux conditions ambiantes
• B60W 40/10 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier liés au mouvement du véhicule
• H04W 4/40 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour les véhicules, p.ex. communication véhicule-piétons

Abrégé

A system for risk sharing of a variable number of objects includes circuitry that receives transmitted air data parameters of aircraft controllers and/or ground-based flight controllers of air-ports or flight control systems and filters the transmitted air data parameters to detect flight indicators indicating predicted or actual flight time parameters assigned to a specific flight trajectory of an aircraft. The circuitry also dynamically triggers the flight time parameters via data flow pathway of the aircraft controllers and/or the ground-based flight controllers based on a predefined time-delay threshold value. For each triggered occurrence of a time delay associated with the specific flight trajectory, the circuitry sets a corresponding trigger-flag to all the objects assignable to that flight, and allocates a parametric transfer of payments to each trigger-flag.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G05D 1/00 - Commande de la position, du cap, de l'altitude ou de l'attitude des véhicules terrestres, aquatiques, aériens ou spatiaux, p.ex. pilote automatique
• G05D 1/10 - Commande de la position ou du cap dans les trois dimensions simultanément
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06Q 20/04 - Circuits de paiement
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G08G 5/00 - Systèmes de commande du trafic aérien
• G06Q 30/00 - Commerce

Abrégé

A telematics system and method thereof with mobile telematics devices associated with a plurality of motor vehicles. The telematics devices include one or more wireless connections or wired connections, and a plurality of interfaces to connect with at least one of a data transmission bus of a motor vehicle, and/or a plurality of interfaces to connect with sensors and/or measuring devices and/or speakers and/or microphones. To provide a wireless connection, at least one of the mobile telematics devices acts as a wireless node within a corresponding data transmission network by way of antenna connections of the mobile telematics device. At least one of the mobile telematics devices is connected to an on-board diagnostic system (OBD) and/or an in-car interactive device and/or a monitoring cellular mobile node application, and wherein at least one of the mobile telematics devices capture usage-based and/or user-based telematics data of a motor vehicle and/or user.

Classes IPC  ?

• G06Q 40/08 - Assurance
• B60W 40/00 - Calcul ou estimation des paramètres de fonctionnement pour les systèmes d'aide à la conduite de véhicules routiers qui ne sont pas liés à la commande d'un sous-ensemble particulier
• G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
• G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules

Abrégé

Proposed is an adaptive, layered, automated risk-transfer system and method thereof, with a self-optimizing, increased leveraged capacity and enhanced drop-down cover structure with a plurality of adjustable risk-transfer layers. If a triggered risk-event is assignable to either of the top risk-transfer layer or the bottom risk-transfer layer of the drop-down cover structure, a shared exhaustion factor is generated based on the assigned risk-transfer layer and based on a cover of the loss associated with the triggered risk event. The shared exhaustion factor is applied mutually to both layers by the system eroding both layers by the same exhaustion factor. The top layer and the bottom layer are reinstatable by a corresponding generated normalized reinstatement parameter values normalized over both layers and based on a thus provided shared limit and the erosion of the top layer and the bottom layer.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

Proposed is an operationally independent clash loss event triggering risk transfer system and a method for risk sharing for a variable number of risk exposure components through the provision of independent risk protection for the risk exposure components by means of a risk transfer structure implemented by circuitry, which captures risk transfers of the exposure to multiple retentions of the components that may occur when two or more of the associated risk exposure components suffer a loss from the occurrence of the same risk event. The system triggers clash loss events simultaneously impacting various layers an/or segments of the risk transfer structure. Furthermore, an event-driven switching device may be deployed for the complementary switching of two coupled, autonomously operated resource-pooling systems, where the operation of the systems remains stable under particularly large losses triggered by the same measurement of a risk event.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A method and automated flight trajectory prediction and flight trajectory-borne automated delay risk-transfer system related to airspace risks for risk sharing of a variable number of risk-exposed units by pooling resources of the risk-exposed units and by providing the risk-transfer system as a self-sufficient operatable risk-transfer system based on the pooled resources for the risk-exposed units by a resource-pooling system associated with the risk-transfer system. The risk-exposed units are connected to the risk-transfer system by a plurality of payment-transfer devices configured to receive and store payments from the risk-exposed units for the pooling of their risks and resources, and an automated transfer of risk exposure associated with the risk-exposed units is provided by the risk-transfer system.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G05D 1/00 - Commande de la position, du cap, de l'altitude ou de l'attitude des véhicules terrestres, aquatiques, aériens ou spatiaux, p.ex. pilote automatique
• G05D 1/10 - Commande de la position ou du cap dans les trois dimensions simultanément
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/04 - Circuits de paiement
• G08G 5/00 - Systèmes de commande du trafic aérien

Abrégé

A pattern-recognition based method and system that generate a plurality of block elements based on predefined boundary conditions provided by an automated underwriting system, capture and scan a workflow object within a workflow pathway thereby recognizing and identifying block elements of a recognition block-map in the captured workflow object, determine a proximity factor relative to each workflow object of a second database, measure a corresponding proximity factor by matching recognized block elements of the captured workflow object with block elements of a workflow object of the second database, provide the measure for the proximity of the two workflow objects based on the mutually allocatable block elements, and generate and assign a conformity index to the captured workflow object based on the conformity of the recognized block elements with a stored block elements of a first searchable data structure.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
• G06F 16/903 - Requêtes
• G06Q 10/10 - Bureautique; Gestion du temps
• G06F 9/30 - Dispositions pour exécuter des instructions machines, p.ex. décodage d'instructions
• G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales

Abrégé

A fully or semi-automated, integrated learning, labeling and classification system and method have closed, self-sustaining pattern recognition, labeling and classification operation, wherein unclassified data sets are selected and converted to an assembly of graphic and text data forming compound data sets that are to be classified. By means of feature vectors, which can be automatically generated, a machine learning classifier is trained for improving the classification operation of the automated system during training as a measure of the classification performance if the automated labeling and classification system is applied to unlabeled and unclassified data sets, and wherein unclassified data sets are classified automatically by applying the machine learning classifier of the system to the compound data set of the unclassified data sets.

Classes IPC  ?

• G06N 20/00 - Apprentissage automatique
• G06F 16/906 - Groupement; Classement
• G06N 20/10 - Apprentissage automatique utilisant des méthodes à noyaux, p.ex. séparateurs à vaste marge [SVM]
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06V 30/224 - Reconnaissance de caractères caractérisés par le type d’écriture de caractères imprimés pourvus de marques de codage additionnelles ou de marques de codage
• G06F 17/16 - Calcul de matrice ou de vecteur
• G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques

Abrégé

An automated, inter-arrival-time-based system and method for automated prediction and exposure-signaling of associated, catastrophic risk-event driven or triggered risk-transfer systems, for low frequency catastrophic or operational risk events and automated risk-transfer. Risk-events are measured and assigned to a historic hazard set comprising event parameters for each assigned risk-event. Risk-exposed units and/or the automated risk-transfer systems are provided with corresponding risk-transfer parameters for automated risk-transfer and/or automated risk-event cover. An event loss set is based on the measured frequencies with associated losses of said risk-events of the hazard set, each of said risk-events creating a set specific loss. Time-stamps, based on an automatically and/or dynamically estimated distribution of corresponding inter-arrival times parameters, capture a waiting time between consecutive events of the period loss set. The waiting times measure the time intervals between two successive risk-events and capture peril specific temporal clustering and/or seasonal occurrence patterns.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
• G06Q 40/08 - Assurance
• G06N 5/02 - Représentation de la connaissance; Représentation symbolique
• G06N 7/00 - Agencements informatiques fondés sur des modèles mathématiques spécifiques

Abrégé

Proposed is a system and a method for a parametric risk transfer system based on automated location-dependent probabilistic tropical storm risk and storm impact forecast, wherein weather measuring parameters of weather events are measured by means of a plurality of delocalized distributed weather flow stations and transmitted to a central system, and wherein the measured weather measuring parameters at least comprise measuring parameters of wind speed and/or maximum wind speed within a predefined time frame. A spatial high-resolution grid comprising grid cells is generated over a geographical area of interest, and a wind field profile is dynamically generated, wherein by triggering an indexed wind field parameter of the wind field profile exceeding a predefined trigger, an output activation signal is generated based on the wind field parameter and transmitted to an associated activation device, wherein the operation of the activation device is steered by the transmitted output activation signal.

Classes IPC  ?

• G06N 7/00 - Agencements informatiques fondés sur des modèles mathématiques spécifiques
• G06Q 40/08 - Assurance

Abrégé

Aspects of the disclosure provides a secure key management and data transmission system that includes a transmission system, a data consumer network device, a user network device, and a data transmission network. The transmission management system is configured to receive user-specific data from the user network device via the data transmission network and receive a request for a service corresponding to processing the user-specific data according to a proprietary process provided by the data consumer network device. The transmission management system is also configured to generate service response data based on processing the user-specific data according to the proprietary process in response to the received request, encrypt the service response data to become single-encrypted service response data, transmit the single-encrypted service response data to the data consumer network device, and receive and store double-encrypted service response data from the user network device.

Classes IPC  ?

• H04L 9/08 - Répartition de clés
• G06F 21/60 - Protection de données
• G06Q 30/00 - Commerce
• H04L 9/40 - Protocoles réseaux de sécurité
• G06Q 40/08 - Assurance
• G06Q 10/10 - Bureautique; Gestion du temps
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
• H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
• H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

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).

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
• G06Q 50/30 - Transport; Communications
• G06Q 30/0283 - Estimation ou détermination de prix
• G06Q 40/08 - Assurance

Abrégé

Proposed are a system and a method for a dynamically triggered risk-transfer system based on an automatically steered, floating recoverable basis. The system triggers coupled first and second insurance systems providing self-sufficient risk protection for a variable number of defined risk exposure components. In the case of the occurrence of one of the defined risk events, the occurred loss is automatically covered by the first insurance system. A first trigger module triggers a variable loss ratio parameter via an alterable loss ratio threshold value, wherein the trigger system comprises an aggregation module for automatically aggregating captured loss parameters of the measured occurrence of risk events over all risk exposure components within a predefined time period by incrementing an associated stored aggregated loss parameter and for automatically aggregating the received and stored first payment parameters over all risk exposure components within the predefined time period by incrementing an associated stored, aggregated payment parameter, and wherein the variable loss ratio parameter is generated dynamically based upon the ratio of the aggregated loss parameter and the aggregated payment parameter. Triggering the variable loss ratio parameter exceeding said loss ratio threshold value, a second trigger module of the trigger system is activated, wherein a floating activation value is dynamically set to the value of the variable loss ratio parameter subject to the aggregated loss parameter. The floating activation value is triggered by means of an adjustable minimum activation threshold trigger. If said floating activation value exceeding the minimum activation threshold trigger is triggered, the second insurance system is automatically activated by transferring activation signaling by means of the system to the second insurance system covering, upon activation, said adopted portion of risk exposures accumulated by the first insurance system.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

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).

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06N 5/02 - Représentation de la connaissance; Représentation symbolique
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• H04M 3/22 - Dispositions de supervision, de contrôle ou de test

Abrégé

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.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06F 16/9537 - Recherche à dépendance spatiale ou temporelle, p.ex. requêtes spatio-temporelles
• G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
• B60R 16/023 - Circuits électriques ou circuits de fluides spécialement adaptés aux véhicules et non prévus ailleurs; Agencement des éléments des circuits électriques ou des circuits de fluides spécialement adapté aux véhicules et non prévu ailleurs électriques pour la transmission de signaux entre des parties ou des sous-systèmes du véhicule
• G01C 21/36 - Dispositions d'entrée/sortie pour des calculateurs embarqués
• G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
• H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
• G01S 19/13 - Récepteurs

Abrégé

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.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
• G07C 5/08 - Enregistrement ou indication de données de marche autres que le temps de circulation, de fonctionnement, d'arrêt ou d'attente, avec ou sans enregistrement des temps de circulation, de fonctionnement, d'arrêt ou d'attente
• G08G 1/01 - Détection du mouvement du trafic pour le comptage ou la commande

Abrégé

A resource pooling system and method for multi-pillar triggered risk transfer associated with prolonged independent living under elderly illness occurrence by providing dynamic self-sufficient risk protection for a variable number of risk exposure components by the resource pooling system. The risk exposure components are connected to the resource pooling system by a plurality of payment receiving devices configured to receive and store payments from the risk exposure components for the pooling of their risks and resources. The resource pooling system includes a filter device configured to capture age-related parameters of risk exposure components and filter risk exposure components associated with an age-related parameter greater than a predefined age-threshold value by the predefined age-threshold value.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 50/22 - Aide sociale
• G06Q 50/24 - Gestion de dossiers médicaux (traitement de données médicales ou biologiques à des fins scientifiques G06F 19/00)

Abrégé

A controller and method for state-transition-based processing of objects following a state-structured process flow with plural process states. For each process state, one or more tasks are selected to process a transition of a selected object from one process state to a subsequent process state. State parameters of the object are captured. The current process state of the object is determined based on the captured state parameters. The tasks are generated for a specific process state in dependence on assigned task parameters of a process task. Operating tags are expendably assigned to a process task by an assigner unit or assignee unit, the operating tags including dynamically alterable operating parameters adding operational constraints to processing the process task. The state-structured process flow is dynamically generated and processed by triggering defined threshold and/or trigger values and/or steering the processing of the process tasks based on the operating parameters of the operating-tags.

Classes IPC  ?

• G06Q 10/10 - Bureautique; Gestion du temps
• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• G06F 9/44 - Dispositions pour exécuter des programmes spécifiques
• G05B 19/042 - Commande à programme autre que la commande numérique, c.à d. dans des automatismes à séquence ou dans des automates à logique utilisant des processeurs numériques
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

A method and system, the method including capturing country-specific parameters of a risk-exposed country relating to stored predefined criteria, assigning one or more disaster event types to a disaster history table, capturing and storing mapping parameters for a geographic risk map, assigning each of a plurality of selectable disaster financing types to a definable cost factor capturing the capital cost of the disaster financing type in relation to its application for disaster mitigation, determining expected catastrophe losses by a loss frequency function and the geographic risk map for various scenarios of occurring natural disaster event types, and preparing a forecast of an effect of the disaster financing type to cover the catastrophe losses based on the coverage structure, the assigned cost factors, and the determined expected catastrophe losses

Classes IPC  ?

• G06Q 50/26 - Services gouvernementaux ou services publics
• G06Q 40/08 - Assurance
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

A system based on layered, two-tier double cryptographic keys providing a closed cryptosystem within a secured network environment, the system including a digital key management device and a network node. The digital key management device generates a first-tier cryptographic key, a second-tier cryptographic key and makes the first-tier and second-tier cryptographic keys publicly accessible within a first and a second secured walled regions that are accessible to a network node registered to a first authentication database associated with an access server of the system, encrypts a first and second content with the first-tier and second-tier cryptographic keys, and generates encrypted first and second content. The network node requests access to the first secured walled region, accesses the first-tier and the second-tier cryptographic keys, decrypts the first and second content, generates first and second data containers based on the decrypted content, and transfers the data containers to a client device.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès

Abrégé

A system and a method, the method including assigning a payment parameter to each variable risk transfer segment of a top-down table and accumulating payment parameters to a total payment sum, capturing payment transfer parameters from a first payment-transfer device to a second payment-transfer device, and when the total payment sum at the second payment-transfer device has been triggered, transferring the risk exposure of a first insurance system associated with the variable risk transfer segments of the top-down table to a second insurance system.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

Proposed are a system and a method for the automated measurement, accumulation and monitoring of diverging cyber risks, wherein risk components are exposed by electronic means of the risk components to a plurality of cyber risks. An accumulation device is used for the segmentation of the total cyber risk of a risk component by means of parametrizable risk exposure segments, and wherein, in a searchable trigger table, retrievably stored segmentation parameters are associated with corresponding measuring parameters for capturing the risk exposure of a specific risk exposure segment. The system comprises a trigger module that is connected to the risk components by means of capturing devices in order to dynamically defect and capture measuring values for the measuring parameters related to the occurrence of cyber risk events within the data pathway of said electronic means. By means of the accumulation device, the total risk is accumulated, segmentation by segmentation, by sequentially selecting the segmentation parameters from the trigger table and retrieving the associated measuring parameters for each of the segmentation parameters, and then triggering the trigger module based on the retrieved measuring parameters to capture measuring values for the retrieved measuring parameters from the risk components by means of the capturing devices.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• G06Q 20/08 - Architectures de paiement
• G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
• G06Q 40/08 - Assurance
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A system for providing a dynamically morphing, self-sufficient risk protection structure, the system including: risk exposure components that are connected to a first insurance system of the system and that transfer risk exposure associated with an occurrence of defined risk events from the risk exposure components to the first insurance system based on equitable, mutually aligned first risk transfer parameters and correlated aligned first payment transfer parameters, and the first insurance system that is connected to a second insurance system of the system and that transfers risk exposure associated with the occurrence of the defined risk events from the first insurance system to the second insurance system based on equitable, mutually aligned second risk transfer parameters and correlated aligned second payment transfer parameters.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
• G06Q 40/08 - Assurance
• G06Q 10/10 - Bureautique; Gestion du temps
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06Q 50/10 - Services
• G06Q 50/22 - Aide sociale

Abrégé

Proposed are a parametric, event-driven critical illness insurance system based on a resource-pooling system (1) and method for risk sharing of critical illness risks of a variable number of risk exposure components (21, 22, 23) by providing a dynamic self-sufficient risk protection for the risk exposure components (21, 22, 23) by means of the resource-pooling system (1). The resource-pooling system (1) comprises an assembly module (5) to process risk-related component data (211,221,231) and to provide the likelihood (212, 222, 232) of said risk exposure for one or a plurality of the pooled risk exposure components (21, 22, 23, . . . ) based on the risk-related component data (211, 221, 231). The risk exposure components (21,22,23) are connected to the resource-pooling system (1) for the pooling of their risks and resources, and wherein the resource-pooling system (1) comprises an multiple event-driven core-engine (3) with critical illness triggers (31, 32, 33) triggering in a patient dataflow pathway (213,223,233) to provide risk protection for a specific risk exposure component (21,22,23). The operation of the resource pooling system (1) is further supported by a parametric risk-cover related to multiple occurrences of critical illness parameters 71,72,73 triggered in the related patient data flow pathway (213, 223, 233).

Classes IPC  ?

• G06Q 40/08 - Assurance
• G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicales; TIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
• G06F 19/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des applications spécifiques (spécialement adaptés à des fonctions spécifiques G06F 17/00;systèmes ou méthodes de traitement de données spécialement adaptés à des fins administratives, commerciales, financières, de gestion, de surveillance ou de prévision G06Q;informatique médicale G16H)

Abrégé

A control device and method for state-transition-based processing of objects following a state-structured process flow with a plurality of process states. For each process state one or more tasks are selected in order to process the transition of a selected object from one process state to the subsequent process state. State parameters of the selected object are captured and the current process state of the object is determined based on the captured state parameters. The tasks are generated for a specific process state in dependence on assigned task parameters of a process task. Operating tags are assigned to a process task and include dynamically alterable operating parameters adding operational constraints to the processing of the process task. The state-structured process flow is dynamically generated and processed by triggering defined threshold and/or trigger values and/or steering the processing of the process tasks based on the operating parameters of the operating-tags.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

The invention relates to an automated risk monitoring method and a corresponding risk monitoring system for automated risk monitoring, in the case of which control data for different companies are transferred to a monitoring unit and evaluated, a company specific asset distribution and a corresponding threshold value being determined, said threshold value corresponding to the expected value of the asset parameter for the occurrence of the insolvency of a company, recovery rate factors being determined by means of a standardization module of the monitoring unit, and wherein, using a MonteCarlo module of the monitoring unit (20), MonteCarlo asset parameters are generated for each company by means of which the companies with the lowest expected recovery rate factors are determined and dynamic adjustment of the portfolio accordingly made by means of the monitoring unit.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06Q 40/06 - Gestion de biens; Planification ou analyse financières
• G06Q 40/08 - Assurance

Abrégé

The invention relates to a resource-pooling system and to a corresponding method for risk sharing of a variable number of risk exposure components. The risk exposure components are connected to the resource-pooling system by means of a plurality of payment receiving modules configured to receive and store payments from risk exposure components for the pooling of their risks. The total risk of the pooled risk exposure components comprises a first risk contribution associated to risk exposure in relation to loan losses, and a second risk contribution associated to risk exposure based on emergency expenses. The pooled risk is divided in a parameterizable risk part and a non-parameterizable risk part by means of an indexing module. In case of triggering a loss by means of a trigger module, the suffered loss is covered by releasing associated loans and emergency expenses of the risk exposure components.

Classes IPC  ?

• G06Q 40/08 - Assurance

Abrégé

An avionic system including: a memory that stores a selectable hash table assigned to a flight plan of an aircraft fleet, the hash table including table elements with operational parameters of an airport, wherein airports covered by the table elements are airports flown to according the fight plan of the aircraft fleet; and a plurality of ground stations situated at the flown to airports of the fight plan, wherein the ground stations are linked via a communication network to a central processing unit; a receiver of the central processing unit that receives, via a communication network interface, a transmission from a detection device, the transmission including at least parameters regarding a time interval parameter of an airport closing and an airport identification.

Classes IPC  ?

• G08G 5/00 - Systèmes de commande du trafic aérien
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
• G06Q 50/30 - Transport; Communications
• G06Q 40/08 - Assurance

Abrégé

A forecast system and method for automated location dependent natural disaster impact forecasts includes located gauging stations to measure natural disaster events. Location dependent measurement parameters for specific geotectonic, topographic or meteorological conditions associated with the natural disaster are determined and critical values of the measurement parameters are triggered to generate a dedicated event signal for forecasted impacts of the disaster event within an area of interest. In particular, the signal generation is based upon the affected population or object within the area of interest.

Classes IPC  ?

• G01W 1/10 - Dispositifs pour la prévision des conditions météorologiques
• G08B 21/10 - Alarmes pour assurer la sécurité des personnes réagissant aux événements désastreux, p.ex. les tornades ou les tremblements de terre
• G08B 31/00 - Systèmes d'alarme à prédiction caractérisés par une extrapolation ou un autre type de calcul utilisant des données historiques mises à jour

Abrégé

Forecasting frequencies associated with future loss and loss distributions for individual risks associated with operating units, each which have a measurable liability exposure, is accomplished via independently operated liability risk drivers. The frequencies associated with future loss and loss distributions are also forecasted for an automated operation of a loss resolving unit via a control unit controller. When a loss occurs at a loss unit, measure parameters are measured and transmitted to the control unit controller. The control unit controller dynamically assigns the measure parameters to the liability risk drivers and tunes the operation of the loss resolving unit by resolving the loss via the loss resolving unit.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

In a computer system and in a computer-implemented method for managing financial funding of a finite insurance policy provided by an insurer to an insured, a fixed amount of the financial funding is stored as an amount payable by the insured for a calculation period. In addition, a variable amount of the financial funding is calculated based on defined conditions and the variable amount is stored as an amount payable by the insured for the calculation period. Preferably, an index value based on a volatile indicator is stored. Depending on the index value, it is determined whether the variable amount is payable by the insured or whether an insured loss is payable by the insurer to the insured for the calculation period. The variable amount or the insured loss, respectively, is calculated based on the index value. Consequently, funding of the insurance can be accelerated in good calculation periods having no losses. In bad calculation periods, on the other hand, extra funds accumulated in good calculation periods can be used by the insurer to pay insured losses.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

An earthquake damage prediction and prevention system for determining an impact or damage caused by an earthquake to objects associated with different geographical locations. A central unit with a filter module selects and collects earthquake related data of a plurality of network units. At least one impact ratio table is stored with a first data structure for storing geographical and/or topographical data coordinates of the different geographical locations. The geometric distances of the geographical locations from a hypocenter/epicenter are generated by an intensity calculation module with a coordinates processor. Local intensity values based upon the generated geometric distances and a given earthquake magnitude of a stored parameterization including variable weight parameters are generated by a propagation calculation unit of the intensity calculation module, whereas the generated geometric distances are stored assigned to the corresponding geographical locations by a second data structure of the impact ratio table.

Classes IPC  ?

• G06F 15/18 - dans lesquels un programme est modifié en fonction de l'expérience acquise par le calculateur lui-même au cours d'un cycle complet; Machines capables de s'instruire (systèmes de commande adaptatifs G05B 13/00;intelligence artificielle G06N)

Abrégé

For determining an impact index which indicates the image or damage caused by an earthquake to a portfolio, an equation is stored for calculating a local earthquake intensity for a geographical location. The portfolio includes geographical locations and individual weighting factors assigned to the geographical locations. Furthermore, for the geographical locations stored are one or more impact ratio tables including impact ratios for different earthquake intensity levels. The impact index is calculated for the geographical locations by determining in each case the impact ratio for the local intensity at the respective geographical location, and adding up the impact ratios weighted in each case by the weighting factor assigned to the respective geographical location. An impact index that reflects the geographical distribution of the portfolio can be determined, without the need for a network of seismological measurement stations associated with the geographical locations.

Classes IPC  ?

• G06F 7/60 - Méthodes ou dispositions pour effectuer des calculs en utilisant une représentation numérique non codée, c. à d. une représentation de nombres sans base; Dispositifs de calcul utilisant une combinaison de représentations de nombres codées et non codées
• G06F 19/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des applications spécifiques (spécialement adaptés à des fonctions spécifiques G06F 17/00;systèmes ou méthodes de traitement de données spécialement adaptés à des fins administratives, commerciales, financières, de gestion, de surveillance ou de prévision G06Q;informatique médicale G16H)
• G01V 3/00 - Prospection ou détection électrique ou magnétique; Mesure des caractéristiques du champ magnétique de la terre, p.ex. de la déclinaison ou de la déviation
• G01V 1/00 - Séismologie; Prospection ou détection sismique ou acoustique

Abrégé

A method and a system for determining a risk of losses, which can be implemented as a computer-implemented method and a computer system for determining for an institution the risk of losses associated with a line of business.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

Activation and control apparatus (11) and also appropriate process for coupling two reciprocally activatable automated intervention systems (10/12) for coverage events in medical diagnosis and/or therapy processes, where the activation and control apparatus (11) comprises a proxy trigger (14), which proxy trigger (14) comprises at least first measuring apparatuses (141) which can be used to detect first measurement parameters on the basis of user-specific walking distance and/or a user-specific visual accuracy and/or a user-specific sitting period, and/or second measuring apparatuses which can be used to detect second measurement parameters on the basis of user-specific communication ability. The measurement parameters can be stored in a lookup table (15) in association. The proxy trigger (14) also comprises a filter module (146), where the filter module (146) can be used to generate appropriate activation parameters on the basis of the measurement parameters in the lookup table (15) and associated, synchronized threshold parameters if at least one of the measurement parameters exceeds the associated threshold value. In addition, the activation and control apparatus (11) also comprises means (13) for generating the activation data on the basis of the activation parameters.

Classes IPC  ?

• A61B 5/00 - Mesure servant à établir un diagnostic ; Identification des individus
• A61B 5/103 - Dispositifs de mesure pour le contrôle de la forme, du dessin, de la dimension ou du mouvement du corps ou de parties de celui-ci, à des fins de diagnostic
• A61B 5/117 - Identification des personnes

Abrégé

A computer-based system creates a data object by preparing a data structure for the data object in a database and processes the data object at different processing stages each associating a different workflow state with the data object. The system can take and store automatically a snapshot of the data object, prior to a workflow transition of the data object from a first workflow state to a second workflow state, respectively associated with the snapshot and with the data object. The system also creates a unique locating reference for the snapshot based on a unique locating reference created previously for the data object. When the unique locating reference for the data object is received, controlled access to the data object and the snapshot is provided. Based on one unique locating reference, multiple states of the data object can be easily and efficiently made available concurrently to a user.

Classes IPC  ?

• G06F 7/00 - Procédés ou dispositions pour le traitement de données en agissant sur l'ordre ou le contenu des données maniées
• G06F 17/00 - TRAITEMENT ÉLECTRIQUE DE DONNÉES NUMÉRIQUES Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des fonctions spécifiques

Abrégé

System and method for aggregation and monitoring of multimedia data stored in a decentralized way for triggering upcoming class action events, whereas source databases of the network node are accessed by a filter module, and for at least one rating parameter in connection with assigned search key words and/or the assigned source databases with respect to a time-based rating and an exposure-based frequency rating a scorecard is generated with found data sets, and a parameterization module, based on the scorecard for the respective rating parameter with respect to their exposure-based frequency a variable frequency value is generated at least partially dynamically, which variable frequency value corresponds to network class action frequency variations, with respect to time, and a tracing unit based on a generated assigned distribution of the variable frequency values a predefined exposure threshold is triggered.

Classes IPC  ?

• G06F 7/00 - Procédés ou dispositions pour le traitement de données en agissant sur l'ordre ou le contenu des données maniées
• G10L 21/02 - Amélioration de l'intelligibilité de la parole, p.ex. réduction de bruit ou annulation d'écho

Abrégé

An avionic aviation system, and a corresponding method, with an earth station for automatically eliminating operating malfunctions occurring in airplanes. The avionic aviation system is connected to a plurality of airplanes via a wireless interface of the avionics. If, by sensor, an operating malfunction is detected on an airplane, a dedicated operating malfunction usage device is selected to automatically eliminate the malfunction by a filter module, and a switching device of the earth station is specifically enabled to activate the operating malfunction usage device.

Classes IPC  ?

• G01C 23/00 - Instruments combinés indiquant plus d’une valeur de navigation, p.ex. pour l’aviation; Dispositifs de mesure combinés pour mesurer plusieurs variables du mouvement, p.ex. la distance, la vitesse ou l’accélération

Abrégé

A single-stage or multi-stage damage coverage method and system for transport devices, including a central unit that includes a user factor and a central unit factor, the central unit storing backing amount parameters assigned to accumulable damage risks, the backing amount parameters being divisible by a split module with money amount values of a specified damage risk on the basis of the user factor and the central unit factor into backing amount parameters of the accumulable damage risks. The system includes one or more decentralized risk devices, the backing amount parameters being transmitted bidirectionally for one of the damage risks and corresponding compensation parameters between the one central unit and the one or more decentralized risk devices, and also includes an extrapolation module configured to specify one of the backing amount parameters and the compensation parameters of the specifiable damage risk for a future time interval.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

An automated trigger device and a corresponding method for dynamic triggering of developing and/or imminent tropical storms for integrated monitoring devices and/or control devices and/or early warning systems. The trigger device includes a trigger module, and measurement devices arranged in cellular, geographically and/or topologically definable units or zones. Geophysical measurement parameters can be transmitted from the measurement devices to the trigger module. By a Monte Carlo module—and based on the measurement parameters—data records can be dynamically generated for definable future time intervals. By an extrapolation module track distribution parameters of a track distribution integrable over the plurality of data records are generated for each of the definable future time intervals. By an activating device—and based on the generated track distribution parameters and/or the trigger parameters—a corresponding control signal is transmitted to the monitoring device.

Classes IPC  ?

• G01W 1/00 - Météorologie

Abrégé

A system and a method for aggregating and transmitting process metadata of a heterogeneous production system, the production system including a plurality of process devices to manufacture a product, the method comprising the steps of sending a user request from a communication device to a central unit, generating a metadata profile based on the user request at the central unit, accessing at least one of the plurality of the process devices of the process via an aggregation module of the central unit by using standardized control signals that were generated upon a user request, the aggregation module having access to the process devices, locating and authenticating the manufactured product in the process by the aggregation module based on authentication data; capturing process-specific data specific to the manufactured and authenticated product from the process at the aggregation module based on standardized control signals; transmitting the process-specific data from the aggregation module to the central unit, and generating the process metadata at the central unit.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 10/10 - Bureautique; Gestion du temps

Abrégé

A special purpose entity offers a financial product linked to a charitable organization. A monetary donation is made to the charitable organization for paying a premium assigned to the financial product. Capital payments are received from one or more investors for the financial product. The premium is paid by the special purpose entity to the investors. Upon occurrence of a catastrophic event assigned to the financial product, the capital is paid from the special purpose entity to the charitable organization, for funding relief efforts for the catastrophic event. Otherwise, the capital is repaid from the special purpose entity to the investors. Charities and donors can prepare a country for natural and man-made disasters by putting in place funding before a catastrophic event actually occurs.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

A triggering and activating device and an automated process coupling two reciprocally activatable monitoring devices or operational-intervention devices. A first synchronizing module synchronizes transmissible operational-intervention parameters of a lookup table with operational devices assigned to the first monitoring device, and a second synchronizing module synchronizes storable threshold-value parameters for activating the second monitoring device. Physical measuring parameters of intervention events are detected and transmitted to the activating device, an intervention-event stack being correspondingly incremented by a first filter module based on the physical measuring parameters and a dynamically implemented weighting of the lookup table. By the first filter module, based on the synchronized threshold parameters and the intervention-event stack, corresponding activating parameters are generated and, if the activating parameters exceed the predetermined threshold value, the second monitoring device is activated by an activating unit and a corresponding activating pulse.

Classes IPC  ?

• G06F 19/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des applications spécifiques (spécialement adaptés à des fonctions spécifiques G06F 17/00;systèmes ou méthodes de traitement de données spécialement adaptés à des fins administratives, commerciales, financières, de gestion, de surveillance ou de prévision G06Q;informatique médicale G16H)

Abrégé

The invention proposes a fully automated, computer-aided intervention apparatus (80) with an operational stabilization apparatus (10) and an appropriate method for operational apparatuses (41), where appropriate intervention means (40) are activated by means of an activation apparatus (203) if an intervention event detected by means of at least one pickup apparatus (401) is picked up. The intervention means (40) may comprise, in particular, automated alarm, monitoring and/or control apparatuses.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

The present invention relates to a dynamic system and a corresponding method for automated checking and transmitting of damage reports and damage claims in multi-level damage coverage systems. The dynamic system comprises decentralized, cellular capturing units with assigned areas for capturing damage records, a central unit being bidirectionally connected via a network to the capturing units. The central unit comprises a filter module for selecting first and second damage records based on assigned threshold values, an analysis module for detecting and eliminating first damage records wrongly captured by means of the capturing units, and a regulator module for dynamic adjustment of the threshold values assigned to the respective areas based on the filtered first damage records. Finally, the filtered first damage records, without wrongly captured first damage records, are transmitted to the processing device and are released for multi-level damage coverage, by means of the central unit.

Classes IPC  ?

• G06Q 10/00 - Administration; Gestion

Abrégé

A method and system to establish a safety assessment of a process industry plant including multiple organizational units. The method and system store scores relating to a rating of one of an inspection, undertaken in one of the organizational units regarding an aspect of the plant, and an answer, given by a human representative of one of the organizational units in response to defined questions relating to one of the aspects. The scores are assigned to respective of the organizational units and respective of the aspects. Aspect-specific scores are then calculated. Safety assessment can then be established from the aspect-specific scores of the organizational units.

Classes IPC  ?

• G06Q 10/00 - Administration; Gestion

Abrégé

A computer-aided asset allocation and asset monitoring apparatus comprising a unidirectional, data-protected control signal apparatus, in which data from locally arranged, protected databases can be transferred via a network to the asset allocation and asset monitoring apparatus and can be evaluated and in which electronic control signals and/or control data can be transmitted to at least one authorized receiver station.

Classes IPC  ?

• G06B 19/418 -

Abrégé

A computer-based system configured to calculate an estimated risk premium for reinsurance of a cedent's insurance policies covering loss event related fatalities and disabilities. The system stores, for different market scenarios, representative of loss events for a defined insurance market, frequency of loss event and number of insured individuals involved in the loss event. Based on these market scenarios and considering the cedent's market share, the system calculates individual scenarios, indicative of the cedent's exposure to the loss events. Using a standard distribution for the number of insured individuals involved in the loss event, for example a Pareto distribution, and using individual scenarios as interpolation points, the system calculates a set of loss event frequencies by number of individuals insured by the cedent and involved in a loss event. Finally, the system calculates the estimated risk premium from the set of loss event frequencies and from severity data.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 50/22 - Aide sociale

Abrégé

A device and a method for automated optimization of the service life of technical facilities and/or risk determination of technical facilities. Facility data is captured by a capture module of the optimization device and facility risks are optimized by an evaluation module of the optimization device based on the facility data. At least one risk analysis value for automated risk management and/or facility optimization value for automated optimization of at least one protection device or minimization of a danger potential of the technical facility are determined by corresponding risk elements and/or protection elements.

Classes IPC  ?

• G06F 17/50 - Conception assistée par ordinateur

Abrégé

A computer system and method for evaluating underwriting requirements, and for evaluating expected changes in mortality of an insurable class in response to changes in such requirements. In certain embodiments, the method and system involves storing data relating to the requirements, determining expected mortality using a first set of requirements, changing one or more of the requirements and predetermining expected mortality using the changed set of requirements and the stored data. In addition to evaluating proposed changes in underwriting requirements, the system and method may be used in the design and pricing of insurance products.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

A system and method for evaluating an insurable risk and providing an immediate, binding insurance offer to cover that risk, includes the collection of self-reported and objective information relating to the risk. The information is provided to an automated underwriting program that evaluates and rates the insurable risk and produces a binding insurance quote. Certain embodiments of the system and method utilize an automated application form and information gathering apparatus to collect the self-reported information. Objective information is obtained by a variety of means, including the direct measurement of certain physical and medical parameters. Certain embodiments may provide for the collection of information relating to payment for the insurance product, and the obtaining of an electronic signature from an applicant.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
• G06Q 10/00 - Administration; Gestion
• G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme

Abrégé

A system and method is provided for quoting reinsurance. A web server receives electronic requests for reinsurance quotations and authenticates users generating the requests. An application server connects with the web server to formulate the quotation based upon the requests. A database connects with the application server and stores the quotation and other data (e.g., actuarial tables) used to generate the quotation. The electronic requests may include a selection of a preexisting quote within the database. A profitability analysis engine may analyze profits of the quotation, so that the customer users further receive profitability information associated with the quotation.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu