Electronic system for forward-looking measurements of frequencies and/or probabilities of accident occurrences based on localized automotive device measurements, and corresponding method thereof

Patent metadata

Field	Value
Publication number	US-12400271-B2
Application number	US-202217816850-A
Country	US
Kind code	B2
Filing date	Aug 2, 2022
Priority date	Dec 2, 2020
Publication date	Aug 26, 2025
Grant date	Aug 26, 2025

Abstract

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.

First claim

The invention claimed is:

1. An electronic measuring system for forward-looking measurements of frequencies or probability measuring values of localized accident occurrences associated with motor vehicles provided with at least one of a plurality of electronic Advanced Driver-Assistance Systems (ADAS) comprising an activatable ADAS warning system, ADAS crash avoidance system and a passive safety system comprising air bag and advanced seatbelts, the electronic measuring system comprising:
the plurality electronic Advanced Driver-Assistance Systems (ADAS), which at least comprise adaptive cruise control, glare free high beam and pixel light, anti-lock braking system, automatic parking, automotive navigation system, automotive night vision, blind spot detection system, collision avoidance system, crosswind stabilization, intelligent speed adaptation, lane centering, lane departure warning system, lane change assistance system, surround view system, and tire pressure monitoring,
a dynamic telematics circuit configured to aggregate telematics data from mobile telematics devices associated with a plurality of the motor vehicles capturing trips or trip segments and driving patterns from the motor vehicles or automation level data of the motor vehicle, the telematics circuit comprising telematics components monitoring driving behavior, speed pattern, distance traveled, and driving environment for assessing the level of protection by capturing at least location, speed, idling time, harsh acceleration or braking, and fuel consumption, and the telematics data including at least one of ADAS features activation parameters, operational parameters of the motor vehicles, driver condition parameters, and contextual parameters of a location of the motor vehicles; and
an automotive risk measuring system for measuring occurring forward-looking accident frequencies and severities based on the telematics data, wherein the localized accident occurrences measure the impact of both active and passive safety systems based on a chosen time window, and wherein the automotive risk measuring system is configured to process the telematics data by generating an ADAS risk score measure, and
the ADAS risk score measure provides a measure for an impact of activated ADAS features to a location-specific probability for an accident occurrence in respect to a specific accident impact severity associated with a motor vehicle, wherein the measuring of occurring forward-looking accident frequencies and severities is based on an ADAS features activation parameters-based structured simulation structure enabled to parameterize driver error reduction or the specific use of ADAS features and
wherein in case of a driver failing to operate the motor vehicle safely, an alarm is triggered by an ADAS warning system to the driver based on the generated ADAS risk score measure, wherein when there is a failure of the alarm triggered by the ADAS warning system, a switch triggers the activation of the ADAS crash avoidance system, and when there is a failure of the activation of the ADAS crash avoidance system, the switch triggers an activation of the vehicle passive system.

2. The electronic measuring system according to claim 1 , wherein a measured accident occurrence probability of one of the motor vehicles equipped with the ADAS and the passive systems is measured or forecasted for a defined time-window by dynamically varying the simulation structure in a degree of complexity triggering for a minimal measuring error value.

3. The electronic measuring system according to claim 2 , further comprising a database with factors enabling triggering of different types of errors and their causal factors in accidents based on the telematics data and associated trigger factors for automated identification of different errors and causes in accidents.

4. The electronic measuring system according to claim 1 , further comprising means to calibrate and rate or price user-specific rate-parameters for automated risk-transfers, wherein
the user-specific rated risk-transfers are based on the measured impact of the activated ADAS features in measures of event frequency and severity or impacted loss of occurring events, and
the user-specific rate-parameters at least include an amount value for resource allocation in relation to an automotive risk to be transferred.

5. The electronic measuring system according to claim 1 , wherein the mobile telematics devices are associated with a plurality of cellular mobile devices.

6. The electronic measuring system according to claim 5 , wherein
the mobile telematics devices are connected to an on-board diagnostic system or an in-vehicle interactive device, and
the mobile telematics devices capture usage-based or user-based or operation-based telematics data of the motor vehicle or a user.

7. The electronic measuring system according to claim 1 , wherein
the mobile telematics devices associated with the plurality of the motor vehicles include one or more wireless or wired connections, and a plurality of interfaces for connection with at least one of a vehicle data transmission bus, or a plurality of interfaces for connection with sensors or measuring devices, and
for providing the wireless connection, the mobile telematics device acts as wireless node within a corresponding data transmission network by means of antenna connections of the mobile telematics device.

8. The electronic measuring system according to claim 1 , wherein GPS points of sets of motion status signals are at least partially enriched by measured additional sensory data measured by further sensors of the mobile telematics device or by sensory data measured by vehicle-based telematics sensors at any stage before transferring the sets of motion status signals to the dynamic telematics circuit.

9. The electronic measuring system according to claim 1 , wherein
the automotive risk measuring system includes one or more first risk-transfer systems configured to provide a first risk-transfer based on first risk transfer parameters from at least some of the motor vehicles to one of the first risk-transfer systems,
the first risk transfer parameters are at least partially generated based upon an output signal generation steered or adapted by measured trip or trip-segment and risk measure parameters based on the telematics data,
the first risk-transfer systems include a plurality of payment transfer modules configured to receive and store first payment parameters associated with risk-transfer of risk exposures of said some of the motor vehicles for pooling of their risks,
the automotive risk measuring system includes a second risk-transfer system configured to provide a second risk-transfer based on second risk-transfer parameters from one or more of the first risk-transfer systems to the second risk-transfer system,
the second risk-transfer system includes second payment transfer modules configured to receive and store second payment parameters for pooling of the risks of the first risk-transfer systems associated with risk exposures transferred to the first risk-transfer systems,
by means of a vehicle-telematics driven aggregator of the dynamic telematics circuit associated with the second risk-transfer system, risk-related usage-based or user-based telematics data captured from the mobile telematics devices are triggered and monitored by means of telematics data-based triggers in the dataflow pathway of the mobile telematics devices,
the dynamic telematics circuit associated with the second risk-transfer system further includes a driving score module measuring or generating a single or a compound set of variable scoring parameters profiling a use or a style and/or an environmental condition of driving during

Assignees

• Swiss reinsurance co ltd

Inventors

• Grivel David
• Di Lillo Luigi
• GENOVESE Donato

Classifications

• B60W2540/30

  Driving style · CPC title

• B60W40/09

  Driving style or behaviour · CPC title

• G06Q40/08 Primary

  Insurance · CPC title