Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

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

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.