Autonomous or partially autonomous motor vehicles with automated risk-controlled systems and corresponding method thereof

An automotive car system, comprising

• a plurality of autonomous or partially autonomous driving motor vehicles, including:
• exteroceptive sensors or measuring devices configured to sense environmental parameters, the environmental parameters including at least distances to objects, intensity of an ambient light, or sound amplitude;
• proprioceptive sensors or measuring devices configured to sense operating parameters of the motor vehicles, the operating parameters including at least a motor speed, wheel load, heading, or battery status of the motor vehicles;
• and
• an automotive control system configured to identify appropriate navigation paths, obstacles, or relevant signage by interpreting sensory data of the exteroceptive sensors or measuring devices and the proprioceptive sensors or measuring devices;
• 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 the first risk-transfer system, at least one of the one or more first risk-transfer systems including a plurality of payment transfer modules configured to receive and store first payment associated with risk-transfer of risk exposures of said motor vehicles for pooling of risks of the motor vehicles;
• and
• a second risk-transfer system configured-to provide a second risk-transfer based on second risk-transfer parameters from the one or more of the first risk-transfer systems to the second risk-transfer system, the second risk-transfer system including second payment transfer modules configured to receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems for pooling of risks of the one or more first risk-transfer systems,
• wherein
• the motor vehicles or the automotive control systems are connected to a central, expert-system based circuit through a data link transmitting at least usage-based, user-based, or operating automotive data to the central, expert-system based circuit, the usage-based, user-based, or operational automotive data are based on the sensory data of the exteroceptive and proprioceptive sensors or measuring devices or operating parameters of the automotive control system,
• risk-related automotive data captured from the motor vehicles are processed by the central, expert-system based circuit, the first risk transfer parameters and correlated first payment transfer parameters being generated by the central, expert-system based circuit and transmitted to the one or more first risk-transfer systems, and, in the case of triggering the occurrence of one of defined risk events associated with transferred risk exposure of the motor vehicles, the occurred loss being automatically covered by the one or more first risk-transfer systems based on the first risk transfer parameters and correlated first payment transfer parameters,
• the second risk transfer parameters and correlated second payment transfer parameters are generated by the central, expert-system based circuit and transmitted to the second risk-transfer system, the occurred loss being at least partly covered by the second risk-transfer system based on the second risk transfer parameters and correlated second payment transfer parameters, and
• the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted or optimized by the central, expert-system based circuit based on the usage-based, user-based, or operational automotive data captured from the plurality of autonomous or partially autonomous motor vehicles and based on the pooled risks of the one or more first risk transfer systems.

An automotive method for an automotive car system, the method comprising:

• sensing environmental parameters by exteroceptive sensors or measuring devices of a plurality of autonomous or partially autonomous driving motor vehicles, the environmental parameters including distances to objects, intensity of an ambient light, or sound amplitude;
• sensing operating parameters by proprioceptive sensors or measuring devices of the plurality of autonomous or partially autonomous driving motor vehicles, the operating parameters including a motor speed, wheel load, heading, or battery status of the motor vehicles;
• identifying appropriate navigation paths, obstacles, or relevant signage by interpreting sensory data of the exteroceptive and proprioceptive sensors or measuring devices for autonomous or partially autonomous driving of the motor vehicles;
• transmitting at least usage-based, user-based, or operating autonomous data via telematics devices to a central, expert-system based circuit, the usage-based, user-based, or operational automotive data being based on the sensory data of the exteroceptive and proprioceptive sensors or measuring devices or operating parameters of the automotive control system;
• providing a first risk-transfer by one or more automated first risk-transfer systems based on first risk transfer parameters from at least some of the motor vehicles to the one or more first risk-transfer systems, wherein at least one of the first risk-transfer systems includes a plurality of payment transfer modules configured to receive and store first payment parameters associated with risk-transfer of risk exposures of said motor vehicles for pooling of risks of the motor vehicles;
• processing risk-related automotive data captured from the motor by the central, expert-system based circuit, first risk transfer parameters and correlated first payment transfer parameters being generated by the central, expert-system based circuit and transmitted to the one or more first risk-transfer system, and, in the case of triggering the occurrence of one of defined risk events associated with transferred risk exposure of the motor vehicles, the occurred loss being automatically covered by the one or more first risk-transfer systems based on the first risk transfer parameters and correlated first payment transfer parameters;
• and
• providing a second risk-transfer by an automated second risk-transfer system based on second risk-transfer parameters from the one or more of the first risk-transfer systems to the second risk-transfer system, the second risk-transfer system including second payment transfer modules configured to receive and store second payment parameters associated with risk exposures transferred to the one or more first risk-transfer systems for pooling of risks of the one or more first risk-transfer systems;
• wherein
• second risk transfer parameters and correlated second payment transfer parameters are generated by the central, expert-system based circuit and transmitted to the second risk-transfer system, the occurred loss being at least partly covered by the second insurance system based on the second risk transfer parameters and correlated second payment transfer parameters, and
• the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adapted or optimized by the central, expert-system based circuit based on the usage-based, user-based, or operational automotive data captured from the plurality of autonomous or partially autonomous motor vehicles and based on the pooled risks of the one or more first risk transfer systems.

A system comprising:

• a first risk-transfer system configured to
• provide a first risk-transfer based on first risk-transfer parameters from a plurality of motor vehicles to the first risk-transfer system, and
• receive and store first payment parameters associated with risk exposures of the plurality of motor vehicles;
• a second risk-transfer system configured to
• provide a second risk-transfer based on second risk-transfer parameters from the first risk-transfer system to the second risk-transfer system, and
• receive and store second payment parameters associated with risk exposures transferred to the first risk-transfer systems;
• and
• an expert-system based circuit configured to
• receive environmental parameters and operating parameters from the plurality of motor vehicles, the operating parameters being based on sensory data of exteroceptive sensors of the plurality of motor vehicles, and the environmental parameters being based on sensory data of proprioceptive sensors of the plurality of motor vehicles,
• adjust the first risk transfer parameters and correlated first payment transfer parameters, and
• adjust the second risk transfer parameters and correlated second payment transfer parameters,
• wherein the first and second risk transfer parameters and the correlated first and second payment transfer parameters are dynamically adjusted by the expert-system based circuit based on the environmental parameters or operating parameters received from the plurality of motor vehicles and based on pooled risks of the first risk-transfer system.