DIGITAL SYSTEM FOR FORECASTING A FUTURE DAMAGE OR LOSS IMPACT ON CARGO OR CARGO LOGISTICS SERVICES AND AUTOMATED ALLOCATING OF A DAMAGE COVER AND METHOD THEREOF
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.
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
2.
AUTOMATED, PARAMETER-PATTERN-DRIVEN, DATA MINING SYSTEM BASED ON CUSTOMIZABLE CHAIN OF MACHINE-LEARNING-STRUCTURES PROVIDING AN AUTOMATED DATA-PROCESSING PIPELINE, AND METHOD THEREOF
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.
G06Q 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
G06Q 50/18 - Services juridiques; Maniement de documents juridiques
3.
DRONE-BASED, AIRBORNE SENSORY SYSTEM FOR FLOOD ELEVATION AND FLOOD OCCURRENCE PROBABILITY MEASUREMENTS AND RETURN PERIODS BY PROXY MEASUREMENTS AND METHOD THEREOF
The invention relates to drone-survey measurement based inundation probability forecast and flood hazard vulnerability measuring system (1) and method thereof. Location- specific elevation data are measured by drones (12) of the measuring system (11), wherein the measured location-specific elevation data are transmitted to an inundation engine (11 ) for forecasting flood hazard vulnerability zones and risk zones based on the said measured location-specific elevation data depending on return periods (21) or inundation heights (22) of a flood hazard (2).
G01C 25/00 - Fabrication, étalonnage, nettoyage ou réparation des instruments ou des dispositifs mentionnés dans les autres groupes de la présente sous-classe
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.
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.
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.
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"
7.
SYSTEMS AND METHODS FOR GENERATING A UNIQUE IDENTITY FOR A GEOSPATIAL OBJECT CODE BY PROCESSING GEOSPATIAL DATA
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.
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.
SMART UNDERWRITING SYSTEM WITH FAST, PROCESSING-TIME OPTIMIZED, COMPLETE POINT OF SALE DECISION-MAKING AND SMART DATA PROCESSING ENGINE, AND METHOD THEREOF
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.
DIGITAL FRAMEWORK FOR AUTONOMOUS OR PARTIALLY AUTONOMOUS VEHICLE AND/OR ELECTRIC VEHICLES RISK EXPOSURE MONITORING, MEASURING AND EXPOSURE COVER PRICING, AND METHOD THEREOF
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.
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
11.
AUTOMATED STANDARDIZED LOCATION DIGITAL TWIN AND LOCATION DIGITAL TWIN METHOD FACTORING IN DYNAMIC DATA AT DIFFERENT CONSTRUCTION LEVELS, AND SYSTEM THEREOF
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.
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
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
12.
MAXIMUM IMPACT MEASURING AND FORECAST SYSTEM FOR EXPLOSIONS IN OPEN STEEL AND/OR CONCRETE STRUCTURES AND METHOD THEREOF
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.
G06F 30/20 - Optimisation, vérification ou simulation de l’objet conçu
13.
VEHICLE TESTING APPARATUS FOR FULL VEHICLE PERFORMANCE TESTING AS WELL AS VEHICLE TESTING OF INDIVIDUAL ON-BOARD SYSTEMS/SOFTWARE, SENSORS AND COMBINATIONS OF SENSORS, AND METHOD THEREOF
Proposed is an electronic, automotive accident risk measuring system (1) for accidentology-based measuring of accident risk-indexing score values for a motor vehicle (2) to be tested providing a measured accident probability value for an occurrence of an accident event having a physical impact to the tested motor vehicle (2), which comprises the processing unit (4) comprising a driving scenario module (40), a test setting module (42) and a scoring module (44). The driving scenario module (40) is configured for determining various driving scenarios (5) for the motor vehicle (2) by defining a set of measurable scenario characteristics (50, 51, 52,...), which include at least one ADAS variable. The test setting module (42) is configured for determining a test setting (6) in form of a multi-dimensional test matrix (60), which includes testing protocols (61, 62, 63,...) for each of the measurable scenario characteristics for providing measured values of measurable scenario characteristics of the various driving scenarios. The measured values are presented in a multi-dimensional test result signal (14) including test result data for each of the measured scenario characteristics. The scoring module (44) is configured for generating the risk-indexing score (70) by receiving the multi-dimensional test result signal (16) and a historical data information signal (16) from an accident database (8). The historical information data signal (16) indicates a probability of occurrence of an accident and/or a damage magnitude for one or more historic driving scenarios, which at least partially comprise the measured scenario characteristics of one or more of the various driving scenarios (5). The historical data provide a quantified measure of frequency of accidents (163, 165, 167,...) and/or severity of damage (164, 166, 168,...) associated to the various driving scenarios (5). The scoring module (44) comprises a scoring structure with a weighting structure (46) for weighting the multi-dimensional test result data (14) based on the historical data information signal (16) with respect to a contribution of each of the various driving scenarios (5) to the accident probability value and an aggregator (48) for aggregating the weighted multi-dimensional test result data of the various driving scenarios (5) to define the risk-indexing score (70) for the motor vehicle (2).
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.
A digital health or life claim processing system (1) providing electronic integration of multiple digital automated claims channels, wherein a digital claims channel includes a claims data set (91), a policy data set (93) regarding a claim event (E) and/or a services data set (92), and processing one or more claims of a customer (A; B; C) based on at least one claims channel related to the customer (A; B; C). The system (1) comprising a cloud-based infrastructure platform (2) accessible via a digital network (3), which hosts a storage module (4), a data modelling module (5), a claims processing module (6), and a communication module (7), and at least one data transmission interface (81; 82; 83) for exchanging data and/or information provided by at least one user device (191; 192) with the infrastructure platform (2). At least the claims data set (91), the policy data set (93) and/or the services data set (92) includes claimants doctors and/or medical cause data at least comprising measuring data for physical characteristics values quantifying a claim event (E) and/or historic policy disclosures' parameter values and/or product rules' parameters and medical cause data and/or diagnostic measuring parameter values and/or laboratory measuring parameter values. The data modelling module (5) comprises a data validation structure (51) for validating data of characteristics values of the claims data sets (91), the policy data sets (93) and/or the services data sets (92), wherein validated data sets of multiple claims channels of a customer (A; B; C) are stored as structured data sets (302) in the data storage module (4). The claims processing module (6) comprises a processing and analyzing structure (61) designed for analyzing the structured data sets (302) according to claims requirements defined in the claims channels, and for defining a current claim processing status (305). The communication module (7) provides a digital communication signal (73; 74) representing the current claim processing status (305) to a user device (191; 192) within the digital network (3).
DIGITAL SYSTEM AND PLATFORM PROVIDING A USER-SPECIFIC ADAPTABLE, FLEXIBLE DATA PROCESSING USING A COMBINATION OF A MARKOV CHAIN MODELLING STRUCTURES AND CONFIGURABLE ELEMENTS AS STATES AND/OR STATE TRANSITIONS SPECIFIC TO AN INDIVIDUAL, AND METHOD THEREOF
Proposed is a digital, state discrete system and platform and corresponding method thereof, for automated underwriting and pricing of individually predicted loss covers using a combination of a Markov Chain modelling structure and configurable elements at least comprising states and/or state transitions and/or cashflows specific to the product it instantiates. The digital system comprises a simulation engine using deterministic transition and interest rates of a discrete process to conduct calculations per policy, wherein parts of the process are used with stochastic transition and interest rates of a discrete process for conducting simulations on portfolio level. The calculations take place on a slice level and are aggregated on benefit and quote level, wherein a slice is created whenever a policy benefit is subject to an unscheduled sum assured increase, and wherein for new business each benefit starts with one slice, each slice being related to the specific product version, cover, and tariff relevant at that the respective point in time the slice is created for.
DIGITAL SYSTEM COMPRISING FINITE STATE MACHINE ENGINES FOR AUTOMATED PROCESSING OF FLEXIBLE CONFIGURABLE INDIVIDUAL POLICIES SEGMENTED BY LIFE-CYCLE STATES, INTER ALIA, USING A SLICED ADMISSION CONTROL TRIGGERED BY UNSCHEDULED SUM COVER INCREASE, AND METHOD THEREOF
Proposed is a digital finite state system and platform and corresponding method thereof, for processing a digital object by object-state triggered processes. The object being capturable by a digital set of defined parameter values comprising at least structural parameter values or state parameter values associated with the object, wherein the digital set of defined parameter values define an initial state and/or set-up of the object, wherein the object is automatedly processed by the digital systems by processing the digital object by a sequence of process steps through which the digital object passes from an initial state to a final state. The digital system comprises a finite state machine engine, wherein the processing of each digital object is based on a finite state automaton comprised in or associated with the digital object, the finite state automaton comprising all possible states and associated transition rules for the digital object, the transition rules at least comprising the process steps and condition parameter values for the digital object to be processed form one finite state to a next finite state by the finite state machine engine. The possible states and their transition rules for the digital object are configurable within the digital object and are implicitly processed as part of an initial digital object configuration process, wherein the initial state and/or set-up of the object at least comprise the possible states and associated transition rules as digital object configuration.
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
Aerial and/or Satellite Imagery-based, Optical Sensory System and Method for Quantitative Measurements and Recognition of Property Damage After An Occurred Natural Catastrophe Event
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.
AUTOMATED, PARAMETER-PATTERN-DRIVEN, DATA MINING SYSTEM BASED ON CUSTOMIZABLE CHAIN OF MACHINE-LEARNING-STRUCTURES PROVIDING AN AUTOMATED DATA-PROCESSING PIPELINE, AND METHOD THEREOF
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.
FULLY INTEGRATED AND EMBEDDED MEASURING SYSTEM DIRECTED TO A SCORE-INDEXING PARAMETER ESSENTIALLY BASED ON DIRECTLY MEASURED CONNECTED MOTOR VEHICLE SENSORY DATA AND METHOD THEREOF
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.
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
21.
SCALABLE, DATA-DRIVEN DIGITAL MARKETPLACE PROVIDING A STANDARDIZED SECURED DATA SYSTEM FOR INTERLINKING SENSITIVE RISK-RELATED DATA, AND METHOD THEREOF
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.
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.
Proposed is an electronic vulnerability detection and measuring system (1) and method for susceptibility or vulnerability measurements of a truck fleet (2) to occurring accident events caused by a carriage vehicle (2.1 2.5) of the carriage vehicle fleet (2). At least one data interface (3.1) is associated with data access means to a carriage vehicle fleet database (50) for capturing carriage vehicle data as a fleet input signals (5) from the carriage vehicle fleet database (50). The carriage vehicle data comprises: vehicle data (5.11.... 5.31) comprising physical parameter measurements of carriage vehicle characteristics for the carriage vehicles (2.1.... 2.5), carriage vehicle driver data (5.12.... 5.32) comprising physical parameter measurements of driver characteristics and/or carriage vehicle usage data (5.13... 5.33) comprising physical parameter measurements of carriage vehicle usage characteristics. At least one data interface (3.2) is associated with data access means for capturing behavioral driving data (6.1.... 6.3) of an electronic driving monitoring system (10) of at least one carriage vehicle (2.1.... 2.5) as a driving data input signal (6). A processing unit (100) is designed for receiving the fleet input signal (5) and the driving data input signal (6) and comprises a machine learning module (110) for analyzing the data provided by the fleet input signal (5) and the driving data input signal (6) by using one or more machine learning structures (111, 112) and generating a risk index value for the carriage vehicles (2.1.... 2.5 ). An aggregating module (130) automatically generates an aggregated risk score measure for the truck fleet (2) based on the risk index values of the carriage vehicles (2.1.... 2.5). A signal generator (140) provides the aggregated risk score measure as output signal (150) indicating the risk score measure of the truck fleet (2).
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
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
24.
AIRBORNE AND/OR SPACEBORNE OPTICAL FLOOD AND FLOOD DAMAGE SENSORY SYSTEM AND METHOD THEREOF
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.
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 3/084 - Rétropropagation, p.ex. suivant l’algorithme du gradient
25.
AUTOMATED PARAMETRIC MODULAR SYSTEM OR DIGITAL PLATFORM FOR FORWARD-LOOKING MEASUREMENTS AND RATINGS OF MEASURABLE IMPACTS OF OCCURRING FLOOD EVENTS AND MODULAR AUTOMATED RISK-TRANSFER STRUCTURE PROVIDING AN ADJUSTABLE FLOOD IMPACT COVER AND METHOD THEREOF
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.
A geospatial digital encoding, decoding, and mapping system (100) and method for processing and geospatial data to generate a unique geo identification (ID) code (212) for a geospatial object distinctively identifying the geospatial object and for decoding and mapping a unique geo identification (ID) code (212) to a digital representation. The system (100) comprises a geospatial data processing unit (112) for capturing geospatial data associated with a geospatial object, and for extracting a footprint (202) of the geospatial object based on the geospatial data. The system (100) comprises boundary determination unit (114) for identifying a centroid (206) of the footprint (202) and determining relevant boundary (206) for the footprint (202). The system (100) further comprises geo ID code generation unit (116) for determining an orientation of the boundary (206) and rotating the boundary (206) around the centroid (204) of the footprint (202). The geo ID code generation unit (116) computes directional extents (216) of the boundary (206), and generates the geo ID code (212) based on directional extents (216), centroid (204), and orientation of the boundary (206).
G06F 16/29 - Bases de données d’informations géographiques
G06F 16/909 - Recherche caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des informations géographiques ou spatiales, p.ex. la localisation
27.
CLOUD-BASED, SCALABLE, ADVANCED ANALYTICS PLATFORM FOR ANALYZING COMPLEX MEDICAL RISK DATA AND PROVIDING DEDICATED ELECTRONIC TRIGGER SIGNALS FOR TRIGGERING RISK-RELATED ACTIVITIES IN THE CONTEXT OF MEDICAL RISK-TRANSFER, AND METHOD THEREOF
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.
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
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
45 - Services juridiques; services de sécurité; services personnels pour individus
Produits et services
Software for management, automated review and analysis of
contractual documents. Computer management of contractual documents; contractual
document management. Legal services, namely, reviewing and analyzing contractual
documents.
29.
DIGITAL SYSTEM FOR FORECASTING A FUTURE DAMAGE OR LOSS IMPACT ON CARGO OR CARGO LOGISTICS SERVICES AND AUTOMATED ALLOCATING OF A DAMAGE COVER AND METHOD THEREOF
Proposed is a digital system (1) 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 (30) on the cargo (10) and/or the cargo logistics services. Sets (13) of measurable cargo logistics parameters (11) are captured by the system (1) as logistics input signals (400) from a cargo logistics services database (41) and are transmitted to an allocation structure (22). Each set (13) of measurable cargo logistics parameters (11) at least comprises cargo parameters (12) and/or logistics parameters (42). At least one risk factor (52) indicating a measured negative impact risk for the cargo (10) and/or the cargo logistics services is captured by the system (1) as risk input signals (500). Each of the risk factors (52) at least corresponds to a measured impact strength (31) or impact type (32) of a negative impact (30) on the cargo (10) and/or the cargo logistics services, and/or a quantified damage (33) at the cargo (10) and/or on the cargo logistics services. At least one measurable cargo logistics parameter (11) is assigned a risk factor (52) by the allocation structure (22) that corresponds to a measured value of the measurable cargo logistics parameters (11). An aggregated risk measure (60) for the cargo logistics services is automatically generated by an aggregating structure (25) of the processing unit (20) based on the at least one risk factors (52) allocated to measurable cargo logistics parameters (11) and is provided as output signal (600) by a signal generator (24) to predict an occurrence of a measurable negative impact (30).
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.
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.
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
32.
DIGITAL FRAMEWORK FOR AUTONOMOUS OR PARTIALLY AUTONOMOUS VEHICLE AND/OR ELECTRIC VEHICLES RISK EXPOSURE MONITORING, MEASURING AND EXPOSURE COVER PRICING, AND METHOD THEREOF
Proposed is an electronic risk measuring and scoring system (100) and method (400) for an autonomous vehicle (101), comprising: an vehicle component valuation unit (1101) to valuate the autonomous vehicle (101); an automated ranking unit (1102) for determining ranking associated with forward-looking accident frequencies and severities for the autonomous vehicle (101) based on the valuation thereof, and at least on one of operational risk data, contextual risk data, technical performance of the autonomous vehicle (101), legal risk data and cyber risk data therefor; a benchmarking unit (1103) for benchmarking autonomous vehicle risks associated with the autonomous vehicle (101) based on testing and/or simulating an autonomous vehicle component modelling structure for the autonomous vehicle (101); a risk class unit (1104) for generating a risk space with one or more risk classes for the autonomous vehicle (101) based on the benchmarking; and a scoring unit (1105) for generating scores or indices, to calibrate and rate and/or price risk-transfers, and/or as input for risk-transfer modeling.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
45 - Services juridiques; services de sécurité; services personnels pour individus
Produits et services
Software for management, automated review and analysis of contractual documents Computer management of contractual documents; contractual document management Legal services, namely, reviewing and analyzing contractual documents
34.
SCALABLE, DATA-DRIVEN DIGITAL MARKETPLACE PROVIDING A STANDARDIZED SECURED DATA SYSTEM FOR INTERLINKING SENSITIVE RISK-RELATED DATA, AND METHOD THEREOF
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.
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 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
G06Q 10/20 - Administration de la réparation ou de la maintenance des produits
H04W 4/38 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour la collecte d’informations de capteurs
35.
DIGITAL SYSTEM FOR CONTROLLED BOOST OF EXPERT FORECASTS IN COMPLEX PREDICTION ENVIRONMENTS AND CORRESPONDING METHOD THEREOF
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.
AUTOMATED PARAMETRIC MODULAR SYSTEM OR DIGITAL PLATFORM FOR FORWARD-LOOKING MEASUREMENTS AND RATINGS OF MEASURABLE IMPACTS OF OCCURRING FLOOD EVENTS AND MODULAR AUTOMATED RISK-TRANSFER STRUCTURE PROVIDING AN ADJUSTABLE FLOOD IMPACT COVER AND METHOD THEREOF
The invention relates to automated method (1) and flood measuring and trigger system (1)for providing a dynamic parametric flood impact cover (1031) for physical objects (3/31) being measurably impacted by an occurrence (41/42/43) of a flood event (4) by using an adaptive damage-cover structure (1041) of a damage-cover system (104) based on physical flood event measurements, wherein by flood detection devices and/or flood sensors (102), an occurrence of a flood event (2) is measured by measuring floodings within the grid cells (1003) of the spatial grid (1002), wherein flood measuring parameters (1021) of the flood detection devices and/or flood sensors (102) are transmitted to the central measuring engine (10) and wherein, based on the transmitted flood measuring parameters (1021), grid cells (1003) measured as flooded are contributing to the area measured as affected (21) while grid cells measured as not flooded are contributing to the area measured as not affected (22).
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 adaptive 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.
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.
AUTOMATED STANDARDIZED LOCATION DIGITAL TWIN AND LOCATION DIGITAL TWIN METHOD FACTORING IN DYNAMIC DATA AT DIFFERENT CONSTRUCTION LEVELS, AND SYSTEM THEREOF
Proposed is a digital platform (1) 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 (1) 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 (3) maintains a plurality of location digital twins of a plurality of physical property assets providing a basis for the risk analysis.
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.
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
41.
AERIAL AND/OR SATELLITE IMAGERY-BASED, OPTICAL SENSORY SYSTEM AND METHOD FOR QUANTITATIVE MEASUREMENTS AND RECOGNITION OF PROPERTY DAMAGE AFTER AN OCCURRED NATURAL CATASTROPHE EVENT
An aerial and/or satellite imagery-based, optical system and corresponding method for measuring physical impacts to land-based objects (3) by impact measurands (1113) in case of an occurrence of a natural catastrophe event (2), the natural catastrophe event (2) impacting the objects (3) causing a physical damage (32). The method and system comprise the steps of capturing by remote airborne and/or spaceborne sensors (121) digital aerial and/or satellite imagery and/or photography (122) of an area (4) affected by the natural catastrophe event (2), and generating a digital natural catastrophe event footprint (1111) with a topographical map (11111) of the natural catastrophe event (2) based on the captured digital satellite imagery (122). Finally, parametrizing, by an adaptive vulnerability curve structure (1112), impact measurands (1113) for selected objects (3) based on the measured topographical map (11111), and generating an impact measurand (1113) value for each of the land-based objects (3) based on an event intensity (23) measured by the natural catastrophe event footprint (1111) using the vulnerability curve structure (1112). 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.
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"
G06T 7/90 - Détermination de caractéristiques de couleur
42.
AERIAL AND/OR SATELLITE IMAGERY-BASED, OPTICAL SENSORY SYSTEM AND METHOD FOR QUANTITATIVE MEASUREMENTS AND RECOGNITION OF PROPERTY DAMAGE AFTER AN OCCURRED NATURAL CATASTROPHE EVENT
An aerial and/or satellite imagery-based, optical system and corresponding method for measuring physical impacts to land-based objects (3) by impact measurands (1113) in case of an occurrence of a natural catastrophe event (2), the natural catastrophe event (2) impacting the objects (3) causing a physical damage (32). The method and system comprise the steps of capturing by remote airborne and/or spaceborne sensors (121) digital aerial and/or satellite imagery and/or photography (122) of an area (4) affected by the natural catastrophe event (2), and generating a digital natural catastrophe event footprint (1111) with a topographical map (11111) of the natural catastrophe event (2) based on the captured digital satellite imagery (122). Finally, parametrizing, by an adaptive vulnerability curve structure (1112), impact measurands (1113) for selected objects (3) based on the measured topographical map (11111), and generating an impact measurand (1113) value for each of the land-based objects (3) based on an event intensity (23) measured by the natural catastrophe event footprint (1111) using the vulnerability curve structure (1112). 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.
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 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
G06T 7/90 - Détermination de caractéristiques de couleur
43.
MEASURING AND CONTROL SYSTEM MEASURING SENSOR EQUIPPED SMART HOME PERILS AND INDIVIDUAL SAFETY SCORES USING DIGITAL HOME OBJECTS AND MUTUAL CALIBRATED MEASURING PARAMETER VALUES, AND METHOD THEREOF
Proposed is a measuring and control system (1) and method for individually measuring of a multitude of perils and/or safety scores of a property or smart home (3). The measuring and control system (1) comprises at least one hardware controller and a plurality of sensory devices, wherein the property or smart home (3) is populated with the sensory devices, the at least one hardware controller being in communication with the plurality of sensory devices, and the sensory devices transmitting sensory signals to the hardware controller.
H04Q 9/00 - Dispositions dans les systèmes de commande à distance ou de télémétrie pour appeler sélectivement une sous-station à partir d'une station principale, sous-station dans laquelle un appareil recherché est choisi pour appliquer un signal de commande ou
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
G08B 21/10 - Alarmes pour assurer la sécurité des personnes réagissant aux événements désastreux, p.ex. les tornades ou les tremblements de terre
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.
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
45.
Intermediary, Digital, Data-Driven Platform for Standardised Linking of Complex Industrial Ecosystems and Risk Transfer Technology Ecosystems and Corresponding Processes
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.
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.
Proposed is an automated maximum impact measurand forecasting system (1) for measuring an impact of an explosion of an explosive (3) in open steel and/or concrete and/or reinforced concrete structures (2), wherein at least loading (311) and/or resistance (211) measuring parameter (21/31) values are measured and/or captured by the automated forecasting system (1).
A62C 3/06 - Prévention, limitation ou extinction des incendies spécialement adaptées pour des objets ou des endroits particuliers pour des matériaux très inflammables, p.ex. les métaux légers, les produits du pétrole
G01N 3/313 - Recherche des propriétés mécaniques des matériaux solides par application d'une contrainte mécanique en appliquant une force unique et brève engendrée par des explosifs
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
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
48.
FULLY INTEGRATED AND EMBEDDED MEASURING SYSTEM DIRECTED TO A SCORE-INDEXING PARAMETER ESSENTIALLY BASED ON DIRECTLY MEASURED CONNECTED MOTOR VEHICLE SENSORY DATA AND METHOD THEREOF
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.
G07C 5/00 - Enregistrement ou indication du fonctionnement de véhicules
49.
Monitoring and risk index measuring system based on measured ecosystem services as a function of sectoral economic performance, and corresponding method
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.
Proposed is a vehicle embedded or mobile-phone-based, automated dynamic routing unit (100) associated with a vehicle (800) and/or a user (700) along a route (122) traveled and method thereof. The dynamic routing unit (100) provides an optimized route between a departure location (1221) and a destination location (1222), wherein the automated dynamic routing unit (100) comprises a routing interface (110) for receiving destination input parameters (112/1121) of a destination location (1221) and/or departure location input parameters (112/1122) of a departure location (1222), and wherein the automated dynamic routing unit (100) comprises a routing generator (120) for generating one or more routes (1201) between the departure location (1221) and the destination location (1222). Among the generated routes, an optimized route (1401) can be selected based on risk-exposure scores (1301) determined for each route, quantifying a probability of occurrences of impacting accident events along the route.
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.
Proposed is an automated automobile claims fraud detector and method for automatically evaluating validity and extent of at least one damaged object from image data and detect possible fraud, the automated automobile claims fraud detector comprising the processing steps of: (a) receiving image data comprising one or more images of at least one damaged object; (b) processing said one or more images for existing image alteration using unusual pattern identification and providing a first fraud detection; ( c) processing said one or more images for fraud detection using RGB image input, wherein the RGB values are used for (i) CNN-based pre-existing damage detection, (ii) parallel CNN-based color matching, and (iii) double JPEG compression (DJCD) detection using custom CNN; (d) processing output of (i) CNN- based pre-existing damage detection, (ii) parallel CNN-based color matching, and (iii) double JPEG compression detection using custom CNN as input for ML-based fraud identifier providing a second fraud detection; and (e) generating fraud signaling output, if the first or second fraud detection indicates fraud.
G06V 10/764 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant la classification, p.ex. des objets vidéo
G06V 10/82 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant les réseaux neuronaux
G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
G06V 10/44 - Extraction de caractéristiques locales par analyse des parties du motif, p.ex. par détection d’arêtes, de contours, de boucles, d’angles, de barres ou d’intersections; Analyse de connectivité, p.ex. de composantes connectées
G06V 10/56 - Extraction de caractéristiques d’images ou de vidéos relative à la couleur
53.
Digital Multi-Channel Data-Transfer And Recognition Platform, and Method Thereof
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.
Proposed is a ML-based, predictive, digital underwriting system (1) and corresponding method providing an automated parameter-driven predictive underwriting process (9) based on measured probability values (22) associated with individuals (2) of a cohort (21) or portfolio (1011), the individuals (2) being exposed to a probability of occurrence of one or more predefined medical and/or health and/or life events (4) having the probability value (22) with a predefined severity (41) within a future measuring time-window (42).
Proposed is a system (16) and method for measuring relative risk measurands of living individuals (2). The relative risk measurands provides a measure for the frequency of occurrences of specific medical events having impacting consequences in specified ranges to the living individual (2) within a defined cohort of living individuals (2) relative to a randomized cohort of living individuals (2). The system provides automation of the risk assessment and measuring process with a high efficiency and accuracy.
Proposed is a digital multi-channel platform (1) based on a multi-channel, high-layer data-transfer structure (1113) accessible by means of web-client applications (121) running on front-end network-enabled devices (12) providing discrete high-layer data-flow and capturing of structured (1121) and unstructured (1122) data content transferred from the front-end network-enabled devices (12) over a data transmission network (13) to a digital multi-channel back-end system (11).
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.
G06Q 40/06 - Gestion de biens; Planification ou analyse financières
58.
Electronic System for Forward-looking Measurements of Frequencies and/or Probabilities of Accident Occurrences Based on Localized Automotive Device Measurements, And Corresponding Method Thereof
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.
SMART UNDERWRITING SYSTEM WITH FAST, PROCESSING-TIME OPTIMIZED, COMPLETE POINT OF SALE DECISION-MAKING AND SMART DATA PROCESSING ENGINE, AND METHOD THEREOF
Proposed is a digital and automated underwriting system 1 and method with fast point of sale decision-making and intelligent data processing engine (11) for the coverage of possible damage impacted by the occurrence of health events to users. The automated system 1 captures user-specific medical parameter data sets. The captured medical parameter data sets are processed by the electronic signal processing engine (11), wherein the electronic signal processing engine (11) 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 (13).
CLOUD-BASED, SCALABLE, ADVANCED ANALYTICS PLATFORM FOR ANALYZING COMPLEX MEDICAL RISK DATA AND PROVIDING DEDICATED ELECTRONIC TRIGGER SIGNALS FOR TRIGGERING RISK-RELATED ACTIVITIES IN THE CONTEXT OF MEDICAL RISK-TRANSFER, AND METHOD THEREOF
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.
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 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p.ex. pour des dossiers électroniques de patients
Proposed are an automated real-time fraud monitoring and detection system (1) for detecting unusual and/or suspicious activities within a network of nodes (41) interconnected by edges (42) triggered by captured synthetic forms of social data, in particular social networking and/or linkage and/or relationship data) and social metadata comprising at least data from microblogging services and/or social networking services by means of pattern recognition and matching.
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.
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
63.
AUTOMATED SYSTEM FOR DETECTING PHONE DISTRACTION EVENTS AND METHOD THEREOF
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.
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
64.
AUTOMATED SYSTEM FOR DETECTING PHONE DISTRACTION EVENTS AND METHOD THEREOF
Proposed is an automated system (1000), phone distraction detector and method for automatically detecting phone distraction events in a moving vehicle (202), caused by a driver of the moving vehicle (202) by using a smartphone (102). An Internet of Things (IoT) server (104) is communicatively coupled to the smartphone (102). The smartphone (102) comprises one or more sensors (118, 120) built into the smartphone (102), wherein sensory data of the one or more sensors (118, 120) are captured by the sensors (118, 120) of the smartphone (102) during a vehicle trip and are transmitted to the Internet of Things (IoT) server (104), and wherein the sensor data comprises one or more chunks of data streams associated with an IoT service from the smartphone (l02). The sensory data are processed and analyzed by the server (104) to identify one or more phone handling events associated with the smartphone (102) during the vehicle trip (202). One or more phone handling events associated with the smartphone (102) are aggregated into one or more macro events by the processing means of the server (104). The aggregated one or more macro events are processes by the server (104) based on a set of preconfigured rules to determine a phone distraction event, wherein the set of preconfigured rules are based on predefined thresholds to determine the phone distraction event.
Proposed is an automated measuring system (1) for progress monitoring and steering of impacts of a complex system (2) to world environment and ecosystem (3) induced by environmental-human linkages (21) and for quantitative measuring of effects of applied risk-transfer structures (4) to said environmental-human linkages (21) induced by risk-transfer–SDG linkages (41/411,…41x) measuring quantifying distances (11/111, 112, …, 11x) of progresses toward at least one of a predefined sustainable development goal (SDG/12) with and without applying said risk-transfer structures (4).
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
66.
SYSTEM FOR LONG-TERM CARE MITIGATION PROVIDING A SECURED MULTI-STEP TRIGGER CYCLE, AND METHOD THEREOF
Proposed is an automated system (1) providing an automatable long-term care risk mitigation structure associated with immediate care needs of risk-exposed individuals in case of becoming a long-term care-receiver. The system (1) provides an automated multi-step trigger and defection cycle (9/91, 92, 93, 94, 95, 96, 97) based on sensory measuring data for risk-exposed individuals (4) thereby mitigating possibly occurring long-term care needs by means of the automated system based on a defected sufficient state of disability (2), possibly predetermined up-front amount parameters (8211) and an assigned care equity ratio associated with an asset (3). The state of disability (2) of the risk-exposed individual (4) is measurable by a definable set of risk-exposed individual measuring parameters (10).
System for fast composing, launch and configuration of customizable second-tier transfer structures with build-in auditing and monitoring structures and method thereof
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.
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 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
68.
RELATIVE MEASUREMENT SYSTEM BASED ON QUANTITATIVE MEASURES OF COMPARABLES AND OPTIMIZED AUTOMATED RELATIVE UNDERWRITING PROCESS AND METHOD THEREOF
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, (ill) turning features info 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 info a structure generating a default risk assessment allocating the actual risk info a risk qualify 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.
ELECTRONIC SYSTEM FOR FORWARD-LOOKING MEASUREMENTS OF FREQUENCIES AND/OR PROBABILITIES OF ACCIDENT OCCURRENCES BASED ON LOCALIZED AUTOMOTIVE DEVICE MEASUREMENTS, AND CORRESPONDING METHOD THEREOF
Proposed is an electronic risk measuring and scoring system (100), in particular for mobile telematics devices (10) and method thereof. In particular, an electronic risk measuring and scoring system (100) which measures an ADAS risk score measure measuring the impact of ADAS features (200) to the accident risk associated with a motor vehicles (10), and which rates and calibrates a risk-transfer user-specifically thereby capturing the impact of ADAS features (200) in measures of risk-transfer claims frequency and severity.
Proposed is a digital marketplace platform (1) providing an automated, multi-channel, end-to-end, digital marketplace platform (1) providing fully automated, end-to-end risk-assessment and risk-transfer processes (2) 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 (1).
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.
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
72.
DIGITAL PLATFORM FOR AUTOMATED ASSESSING AND RATING OF CONSTRUCTION AND ERECTION RISKS, AND METHOD THEREOF
Proposed is a digital platform (1) for automated predicting and quantified rating of exposure measures associated with occurring construction and erection risks (31) of an engineering or construction project (20-26) and for automated prediction and measuring of future occurring loss patterns (1511,…,151i) induced by the occurring construction/erection risks (31) to the project (20-26) exposed to said construction/erection risks (31), wherein an engineering risk profile (101i2) of a project (20-26) associated with and exposed to construction and/or erection risks (31/CAR/EAR) is assembled, and wherein, based on the predicted and measured future occurring losses patterns (1511,…,151i), risk-tailored expert advices for underwriting parameters are provided.
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
73.
DIGITAL PLATFORM FOR AUTOMATED ASSESSING AND RATING OF CONSTRUCTION AND ERECTION RISKS, AND METHOD THEREOF
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.
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
INTERMEDIARY, DIGITAL, DATA-DRIVEN PLATFORM FOR THE STANDARDISED LINKING OF COMPLEX INDUSTRY ECOSYSTEMS AND RISK TRANSFER TECHNOLOGY ECOSYSTEMS, AND CORRESPONDING METHOD
The invention relates to an intermediary, digital, data-driven platform (1) and a method for heterogeneous industry ecosystems for the standardised identification and automated management of risk transfers and associated product- and company-specific capabilities as a standardised digital channel between risk-exposed entities of the industry ecosystem and the systems of a heterogeneous risk transfer ecosystem.
MONITORING AND RISK INDEX MEASURING SYSTEM BASED ON MEASURED ECOSYSTEM SERVICES DEPENDING ON SECTOR-BASED ECONOMIC PERFORMANCES, AND CORRESPONDING METHOD
A measuring and monitoring system is proposed, comprising a plurality of measurement sensors and measurement devices by means of which geographically cellularly limited measurement parameters are detected. The measurement parameters are aggregated to form a BES measurement index, with the measurement parameters being selected in respect of the desired measurement accuracy of the biodiversity and ecosystem services (BES) measurement index. The measurement and monitoring system comprises selectable, different biodiversity and ecosystem services at least comprising measurement parameters for measuring the intactness of the habitat 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 defences and/or supply with food and/or wood provision. The measuring and monitoring system additionally allows the quantitative detection/measurement of risk indices on the basis of the measured ecosystem services depending on sector-based economic performances.
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.
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
77.
MOBILE DEVICE AND SYSTEM FOR AUTOMATED TRANSPORT MODE RECOGNITION AND CORRESPONDING METHOD THEREOF
Proposed is a method and system for automated transportation mode recognition based on sensory data measured by a plurality of sensors (102) of a cellular mobile device (10) of a user (6/61 /62), the plurality of sensors (102) at least comprising an accelerometer (1025) and a gyroscope (1026), the plurality of sensors (102) being connected to a monitoring mobile node application (101) of the mobile device (10), wherein the mobile device (10) measures time series of sensory parameter values based on measuring parameters obtained from the sensors (102), the measuring parameters comprise time series of sensory parameter values of a 3-axis accelerometer as sensor (102) and time series of sensory parameter values of GPS-based speed measurements of a GPS receiver as sensor (102), and wherein the measured time series of sensory parameter values trigger the automated transportation mode recognition as input feature values to a gradient boosting machine-learning classifier, the transportation modes at least comprising the modes public transportation and/or motorcycle and/or cycling and/or train and/or tram and/or plane and/or car and/or skiing and/or boat, and the transportation mode recognition generating a transport mode label for a transport mode movement pattern of a trip.
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
78.
MOBILE DEVICE AND SYSTEM FOR IDENTIFYING AND/OR CLASSIFYING OCCUPANTS OF A VEHICLE AND CORRESPONDING METHOD THEREOF
Proposed is a method and system for identifying and/or classifying an occupant of a vehicle based on sensory data measured by a plurality of sensors of a cellular mobile device of the occupant, the plurality of sensors at least comprising an accelerometer and a gyroscope. The mobile device measures gravitational acceleration movement sensory data by means of the accelerometer based on measuring parameters obtained from the accelerometer, wherein vehicle entering or exiting movement patterns of the user are detected from the acceleration movement sensory data at least comprising pattern for base axis and degree of rotation associated with a vehicle entrance or exit of the user. The detected vehicle entering or exiting movement patterns of the user trigger as input features the recognition of a vehicle entering or exiting movement of the user by performing a decision-tree classification on the input features to rule out whether the user entered or exited from a left or right side of the vehicle.
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
79.
MOBILE DEVICE AND SYSTEM FOR AUTOMATED TRIP FAMILIARITY RECOGNITION AND CORRESPONDING METHOD THEREOF
Proposed is a method and system for electronic trip familiarity detection (114) based on sensory data (3) measured by a plurality of sensors (102) of a mobile telematics device (10) associated with a user (6) and/or a vehicle, the plurality of sensors (102) at least comprising a GPS sensor (1024) and/or an accelerometer (1025), the mobile device (10) comprising one or more wireless connections (105), wherein by at least one of the wireless connection (105) the mobile device (10) acts as a wireless node (221, …, 225) within a cellular data transmission network (2) by means of antenna connections of the mobile device (10) to the cellular data transmission network (2), and the plurality of sensors (102) being connected to a monitoring mobile node application (101) of the mobile device (10), wherein the monitoring mobile node application (101) captures usage-based (3) and/or user-based sensory data (3) of the plurality of sensors (102) of mobile device (10).
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
80.
DIGITAL CROSS-NETWORK PLATFORM, AND METHOD THEREOF
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.
Proposed is a digital platform (1) and method for providing controlled data- and process-driven cross-network interaction and program (41, 42, …, 4i) development between heterogeneous units (2/3) with network-enabled devices on a secured cloud- based network (5/51, 52, …, 5i). Each unit has a unit or user (2/3) account in the digital cross-network platform (1) with assigned authentication and authorization credentials for authentication and authorization controlled network access (5) to the digital cross- network platform (1) and the secured cloud-based network (5). Each unit (2/3) further has an assigned relationship with one or more other units (2/3) comprised in a persistent storage (12) of the digital networking platform (1), each assigned relationship providing a defined relationship between the one or more other units (2/3) or a subgroup of the one or more other units (2/3) and an associated program (41, 42,…,4i), the digital cross- network platform (1), enabling the controlled process-driven cross-network development of the international programs (41, 42, …, 4i).
DIGITAL CHANNEL FOR AUTOMATED PARAMETER-DRIVEN, SCENARIO-BASED RISK-MEASUREMENT, CLASSIFICATION AND UNDERWRITING IN FRAGMENTED, UNSTRUCTURED DATA ENVIRONMENTS AND CORRESPONDING METHOD THEREOF
Proposed is a digital channel for automated risk-transfer underwriting in fragmented, unstructured data environments covering heterogenous risk sources (1142) and risk-exposure classes (1141) associated with assets (2i1) of small and/or medium size enterprises (21,22,…,2i). The digital channel is provided by a digital platform (1) for the risk-exposed units (2, 21,22,…,2i) assessing the digital platform (1) by means of network- enabled devices (2i2) via a data transmission network (4). Risk-transfer portfolio data (101, 102, …, 10i) are held in a persistence storage (10) of the digital platform (1). The digital platform (1) comprises a risk advisory module (11) for automated asset classification (1262), risk scoring (1263) and interactive risk-transfer and risk-exposure steering (1264), wherein asset characteristics parameters (1121) of a unit (21,22,…,2i) are assigned to a risk profile (112) of the unit (21,22,…,2i), and wherein the assets (2i1) of the unit (21,22,…,2i) are classified into predefined asset classes (11211,…,1121i). The digital platform (1) comprises an automated underwriting and pricing module (13), wherein base rates (13412) for applicable risk-transfer covers (13411) are provided and corresponding pricings (13414) are generated based on the base rates (13412), associated rate factors (13413) and value parameters of the asset characteristics parameters (1121), wherein different applicable risk-transfer covers (13411) are generated and are assigned to a profile section (1123) of the risk-exposed unit (21,22,…,2i). A risk score (1124) is generated and assigned to each profile section (1123) of the risk profile (112), wherein the interactive portfolio steering is provided by inter- actively assigning and adjusting risk-transfer covers associated with said portfolio (101, 02, …, 10i).
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.
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
84.
Digital Channel for Automated Parameter-Driven, Scenario-Based Risk-Measurement, Classification and Underwriting in Fragmented, Unstructured Data Environments And Corresponding Method Thereof
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.
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
85.
Risk-transfer configurator and simulation engine providing forward- and backward-looking measures for steering and adjustments of risk-driven portfolios of underwriting objects and method thereof
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.
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
RISK-TRANSFER CONFIGURATOR AND SIMULATION ENGINE PROVIDING FORWARD- AND BACKWARD-LOOKING MEASURES FOR STEERING AND ADJUSTMENTS OF RISK-DRIVEN PORTFOLIOS OF UNDERWRITING OBJECTS AND METHOD THEREOF
Proposed is an automated digital channel to place and manage risk- transfers in the reinsurance industry. The digital channel is based on a metric simulation engine for automated prediction of forward- and backward-looking impact measures based on measured event parameter values of time-dependent series of occurrences of physical impact events. The occurrence of the physical risk events are measured based on predefined threshold-values of event characteristic parameters and the impact of the physical risk events to a specific physical or intangible real-world asset or living object is measured based on impact characteristic parameters. The characteristics of the risk-transfer are captured at least partially by means of a parameter-driven bifurcation process dynamically capturing characteristics parameter values and dynamically mapping the values to structured characteristics parameters.
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"
87.
SYSTEM FOR FAST COMPOSING, LAUNCH AND CONFIGURATION OF CUSTOMIZABLE SECOND-TIER TRANSFER STRUCTURES WITH BUILD-IN AUDITING AND MONITORING STRUCTURES AND METHOD THEREOF
Proposed is a digital platform (1) providing an automated, multi-channel, end-to-end risk-transfer product configuration process (2) for configuring, launching and processing of customized reinsurance risk-transfer structures, wherein an automated risk-transfer product placement is provided by the system (1) as a first online channel comprising a parameter-driven, rule-based underwriting process (21) for creating a portfolio of customized second-tier structures, wherein an automated claim handling (22) is provided by the system (1) as a second online channel, and wherein an automated accounting (23) is provided by the system (1) as a third online channel. For capturing of risk information parameters (2144), a product configurator (214) comprises a machine-based exposure data intelligence (215) enabled to automatically identify unique risks of objects (12) based on a precise location of the objects (12). The system (1) further comprises a graphical user interface of a portfolio analytics framework (6) providing a dynamic representation (61) of a portfolio structure (14). By means of the metric simulation engine (10), the dynamic representation of the portfolio structure (14) provides forward- and backward-looking insights to the user thereby enabling portfolio steering by identification of critical areas of the portfolio (14) and impacts of possible changes to the underwriting before going to launch it in the market.
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"
88.
DIGITAL PLATFORM USING CYBER-PHYSICAL TWIN STRUCTURES PROVIDING AN EVOLVING DIGITAL REPRESENTATION OF A REAL WORLD ASSET FOR QUANTIFYING EVENT OCCURRENCES MEASUREMENTS, AND METHOD THEREOF
Proposed is a system (1) and method for avatar measurements of temporally evolving real-world measuring parameters. The digital platform (1) comprising measuring sensors (2) and IoT sensory associated with a specific physical or intangible real-world asset (3) or living object (33) to be monitored. A digital twin representation (4) is generated of the physical or intangible real-world asset (3) or living object (33) from data structures of a data store (10) based on captured structural (421), operational (422) and/or environmental (423) property parameters (42). Data structures (44) for the digital twin representation (4) representing future states (441) of each of the plurality of subsystems (41) of the real-world asset or object (3) are generated as value time series over a future time period based on an application of simulations using cumulative damage modelling processing, the cumulative damage modelling generating the effect of the operational and/or environmental asset or object parameters on the twinned real-world asset or object (3) of the future time period. By means of the digital platform (1), the digital twin representation (4) is analyzed providing a measure for a future state or operation of the twinned real-world asset or object (3) based on the generated value time series of values over said future time period, the measure being related to the probability of the occurrence of a predefined event to the real-world asset or object (3).
G05B 17/02 - Systèmes impliquant l'usage de modèles ou de simulateurs desdits systèmes électriques
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"
89.
DIGITAL PLATFORM USING CYBER-PHYSICAL TWIN STRUCTURES PROVIDING AN EVOLVING DIGITAL REPRESENTATION OF A RISK-RELATED REAL WORLD ASSET FOR QUANTIFYING RISK MEASUREMENTS, AND METHOD THEREOF
Proposed is a digital platform (1) and method for avatar measurements of temporally evolving risk-based real-world measuring parameters. The digital platform (1) comprising measuring sensors (2) and loT sensory associated with a specific physical or intangible real-world asset (3) or living object (33) to be monitored. A digital twin representation (4) is generated of the physical or intangible real-world asset (3) or living object (33) from data structures of a data store (10) based on captured structural (421), operational (422) and/or environmental (423) property parameters (42). Data structures (44) for the digital twin representation (4) representing future states (441) of each of the plurality of subsystems (41) of the real-world asset or object (3) are generated as value time series over a future time period based on an application of simulations using cumulative damage models, the cumulative damage models generating the effect of the operational and/or environmental asset or object parameters on the twinned real-world asset or object (3) of the future time period. By means of the digital platform (1), the digital twin representation (4) is analyzed providing a measure for a future state or operation of the twinned real-world asset or object (3) based on the generated value time series of values over said future time period, the measure being related to the probability of the occurrence of a predefined even to the real-world asset or object (3).
G05B 17/02 - Systèmes impliquant l'usage de modèles ou de simulateurs desdits systèmes électriques
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"
90.
Digital platform using cyber-physical twin structures providing an evolving digital representation of a risk-related real world asset for quantifying risk measurements, and method thereof
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.
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable and recorded software and software platforms for underwriting, administering, calculating, presenting and managing life and health insurance; Downloadable and recorded software, applications and software platforms for calculation, management, presentation and underwriting of life and health insurance; downloadable electronic publications, namely, brochures, guides, magazines, pamphlets, reports and newsletters in the field of life and health insurance Business administration; business management; business management consultancy and business advisory services; professional business consulting relating to insurance, reinsurance, risk analysis, risk modelling, risk transfer, risk management and financial services; assistance with commercial business management and relevant business consulting relating to insurance, reinsurance, risk analysis, risk modelling, risk transfer, risk management and financial services; business administrative services for the compilation, processing and systematization of information and data in computer databases; business analysis of commercial data; computerized collecting and processing of life and health insurance data for business purposes; compilation of statistics; compilation and systematization of business data in a central file Insurance and reinsurance underwriting services; financial services, namely, financial advice, financial analyses, financial forecasting, financial research, financial risk management, financial risk assessment services; real estate affairs, namely, financial investment in real estate, leasing of real estate, and real estate management services; insurance and reinsurance brokerage services in the field of life and health insurance and in the field of retirement provision; advice and information on insurance, reinsurance and financial services; actuarial services; insurance and financial services, namely, consultancy and information services on financial risk analysis, risk modeling, risk transfer and risk management; insurance claims adjustment and settlement services; brokerage services and administration of insurance policies; financial consultancy on risk analysis, risk prevention and risk management; consultancy in the field of insurance, reinsurance and financial services; consultancy and information services in the field of life and health insurance and in the field of financial retirement provision; all of the above-mentioned services also provided via global computer networks being the internet Scientific and technological services, namely, research and design of computer software and computer platforms; industrial analysis and research services in the fields of computer software and computer platforms; computerized, industrial and scientific data analysis services, namely, industrial engineering services; design and development of computer software, computer software applications and computer models; provision and temporary rental of non-downloadable, internet-based computer platforms, software and applications for calculation, management, presentation and underwriting of life and health insurance; software as a service (SAAS) services featuring software for calculation, management, presentation and underwriting of life and health insurance; provision and temporary rental of non-downloadable, internet-based software platforms, applications and software for calculation, management, presentation and underwriting of life and health insurance; platform as a service (PAAS) featuring computer software platforms for calculation, management, presentation and underwriting of life and health insurance; electronic storage of information data which has been compiled and systemized into computer databases
92.
Data extraction engine for structured, semi-structured and unstructured data with automated labeling and classification of data patterns or data elements therein, and corresponding method thereof
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.
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
93.
EVENT GENERATOR FOR A RISK QUANTIFYING FORECAST SYSTEM USING A STRUCTURED FORWARD-LOOKING SIMULATION TECHNIQUE WITH GLOBAL LONG-TAIL RISK EVENTS CAUSING CASUALTY LOSS ACCUMULATION, AND METHOD THEREOF
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.
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
94.
STRUCTURED LIABILITY RISKS PARAMETRIZING AND FORECASTING SYSTEM PROVIDING COMPOSITE MEASURES BASED ON A REDUCED-TO-THE-MAX OPTIMIZATION APPROACH AND QUANTITATIVE YIELD PATTERN LINKAGE AND CORRESPONDING METHOD
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.
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
95.
STRUCTURED LIABILITY RISKS PARAMETRIZING AND FORECASTING SYSTEM PROVIDING COMPOSITE MEASURES BASED ON A REDUCED-TO-THE-MAX OPTIMIZATION APPROACH AND QUANTITATIVE YIELD PATTERN LINKAGE AND CORRESPONDING METHOD
Proposed is a system (10) providing a liability temperature measure (31) for liability systems (1) based on a time-dependent, composite indexing parameter (17). Measurement parameters assigned to parameterized liability risk drivers (311-313) are measured for generating the measured time-dependent, composite indexing parameter (17). The used liability risk drivers (311-313) 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 (151) applied to the final time series of the parameters providing individual set weights (1511,…,1513), wherein based on the weighted liability risk drivers (311-313) and sets of liability risk drivers (311-313), a minimum number (192) of liability risk drivers (311-313) in relation to maximized statistical significance is selected by applying an index assembly and validation unit (19), and wherein the index assembly and validation unit (19) provides the minimum number (192) of liability risk drivers (311-313) as a reduced set (161) of liability risk drivers out of all available liability risk drivers (16) using best fit characteristics (191). The driver selector (15) dynamically adapts the minimum number (192) of liability risk drivers (311-313) varying the liability risk drivers (311-313) in relation to the measured liability exposure signal (31) by periodic time response, wherein the time-dependent composite index parameter (17) is generated based on the adapted reduced set (161) of liability risk drivers (311-313).
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
96.
Risk splitter and risk quantifying forecast system using a structured forward-looking simulation technique quantifying clashing, long-tail risk events causing casualty loss accumulation and high earning volatility, and method thereof
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.
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
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.
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
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
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
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
98.
RISK SPLITTER AND RISK QUANTIFYING FORECAST SYSTEM USING A STRUCTURED FORWARD-LOOKING SIMULATION TECHNIQUE QUANTIFYING CLASHING, LONG-TAIL RISK EVENTS CAUSING CASUALTY LOSS ACCUMULATION AND HIGH EARNING VOLATILITY, AND METHOD THEREOF
Proposed is a passage-based risk splitter (11) providing risk splitting and loss event diversification for multi-risk forecast systems (1) capturing multiple loss aggregation under complex environmental conditions based on the occurrence of defined loss events (44). The loss events (44) are triggered by one or more involved causing units (4) and affected units (3), wherein the loss events (44) evolve from one or multiple risk accumulating sources. Risk events (44) related loss measures can be scattered over multiple causing units (4) and/or multiple related clash events (44). The multi-risk forecast system (1) provides loss-generating processes and events (44), wherein the inventive risk splitter (11) is a technical core element to generate an event-related loss distribution (112) mirroring cause-effect chains (100) induced by the risk events (44) which extend over space and time. The risk splitter module (11) allows automated splitting of the risk based on risk exposed, causing unit characteristics (111) and risk exposed affected units' characteristics (112). The causing unit characteristics (111) comprise, for each causing unit (4), assigned activity characteristic parameters (1110) and participation characteristic parameters (1111) of said causing unit (4) defining, for a specific causing unit (4), a specific set of executable activity link members (1112) and market share driving participation probabilities (1113). The causing unit characteristics (112) comprises quota parameters defining affected populations of affected units (3) with incidence (1121) and defining refined effect types (1122).
EVENT GENERATOR FOR A RISK QUANTIFYING FORECAST SYSTEM USING A STRUCTURED FORWARD-LOOKING SIMULATION TECHNIQUE WITH GLOBAL LONG-TAIL RISK EVENTS CAUSING CASUALTY LOSS ACCUMULATION, AND METHOD THEREOF
Proposed is an event generator (10) generating risk events (2) for clash-quantifying, multi-risk assessment systems (1) with automated assessment of multi-risk exposures induced by the generated risk events (2), liability catastrophes (21) and casualty accumulations (22). A plurality of affected units (3) are subject to the risk exposure of the occurring risk events (2) caused by one or a plurality of causing liability risk exposed units (4). The event generator performs a scenario selection by means of a scenario selector (104) selecting relevant LLC/ULC/ELC scenarios (1001) from the scenarios (1001) of a data structure (101). Based on the selected scenarios (10001), concrete events (1002) are generated by means of the event generator (10).
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.
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
