Apparatus for a dynamic, score-based, telematics connection search engine and aggregator and corresponding method thereof

A mobile automotive system comprising:

• a mobile telecommunication apparatus that includes one or more data transmission connections to a plurality of sensors including proprioceptive sensors for sensing operating parameters of a motor vehicle and/or exteroceptive sensors for sensing environmental parameters during operation of the motor vehicle;
• a central automotive circuit that includes a vehicle telematics-driven core aggregator with telematics data-based triggers for triggering, capturing, and monitoring in a dataflow pathway of the plurality of sensors the operating parameters and/or the environmental parameters during operation of the motor vehicle,
• wherein the central automotive circuit further includes a driving scorer for measuring and/or generating a set of variable scoring parameters profiling at least one of a use, a style, and an environmental condition of driving during operation of the motor vehicle based on the operating parameters and/or the environmental parameters,
• wherein the mobile communication apparatus establishes a data link over a mobile telecommunication network between the mobile communication apparatus and the central automotive circuit, wherein the mobile telecommunication apparatus acts as a wireless node within the mobile telecommunication network, and wherein the central automotive circuit automatically collects the set of variable scoring parameters,
• wherein the central automotive circuit transmits a shadow request to a plurality of automated risk-transfer supplier systems, decentrally connected to the central automotive circuit over a data transmission network, wherein the shadow request includes risk-related parameters based on the set of variable scoring parameters, and wherein in response to the emitted shadow request, the central automotive circuit receives a plurality of individualized risk-transfer profiles based on the set of variable scoring parameters, and
• wherein the central automotive circuit dynamically captures and categorizes the received plurality of individualized risk-transfer profiles of the automated risk-transfer supplier systems in a result list, wherein the results list is dynamically updated and provided for display and selection to a user of the mobile telecommunication apparatus based on the operating parameters and/or the environmental parameters.