ITUB20159818A1 - SYSTEM AND METHOD FOR CALCULATING AT LEAST A RISK INDEX FOR THE USER'S FUTURE DRIVING ACTIVITY. - Google Patents

Description

SYSTEM AND METHOD FOR CALCULATING AT LEAST ONE RISK INDEX RELATING TO A USER'S FUTURE DRIVING ACTIVITY.

The present invention relates to a system and a method for calculating at least one synthetic risk index relating to the future driving activity of a vehicle by a user, particularly, though not exclusively, useful and practical in the context of estimating costs related to vehicle insurance policies, such as for example third party liability insurance policies. (Civil Liability for Motor Vehicles).

Nowadays, in the field of insurance for vehicles, in particular for motor vehicles, the use of technological and telematic solutions is increasingly widespread in order to detect the driving behaviors of driver users, the paths followed by users drivers habitually or occasionally , as well as any accidents that have occurred, these solutions being typically constituted by electronic devices placed on board the vehicles.

On the one hand, the use of these known electronic devices tends to increase road safety, for example in that the driver feels in some way under observation and therefore drives his own vehicle more carefully and with greater respect for the limits. of speed and road regulations, and on the other hand it allows insurance companies to collect a series of data and information that can allow the calculation of at least one risk index associated with the user, or the driver of the vehicle, and to consequently propose to the driver, insurance premiums estimated on the basis of the previously calculated value of the risk index.

Furthermore, the data and information collected by Lali known electronic devices can be used by insurance companies to carry out an analysis following a claim, for example by taking into consideration the five minutes prior to the claim and the five minutes following the same, in order to to verify whether this claim is actual and real or whether it is linked to an attempted fraud.

Currently, the technical means and equipment used to monitor the driving activity of a user can comprise on-board computers or black boxes permanently connected to the users' vehicles, which on-board computers and black boxes autonomously transmit the data detected to a control system. remote centralized data collection.

alternatively, specific devices are known for this purpose connected to the OBD (On-Board Diagnostics) ports of the users' vehicles, which OBD devices transmit the data detected in autonomous hands or by exploiting the connection to a communication network of a mobile device , such as smartphone or tablet.

Furthermore, there are known applications intended for mobile devices, such as for example smartphones or tablets, which detect the characteristics relating to the driving behavior of users using the hardware made available by the device itself, such as for example GPS modules, accelerometers, and so on, even if the mobile device is not tied to the vehicle.

Regardless of the technical means used, the process of monitoring a user's driving activity by insurance companies and / or operating centers can typically be divided into three distinct and successive phases: the collection of data relating to the driving behavior of the single user, the processing of the data collected to obtain a set of indicators of the driving behavior of that user and, finally, the calculation of at least one synthetic risk index, usually a single one, associated with the driver user, where the indices summary summarize what is represented by the indicators, not the insurance goodness of the driver himself.

The insurance companies use successes vomiting the synthetic risk index thus calculated, as mentioned corresponding to the insurance goodness of the driver user, in order to determine the insurance solution for vehicles most suited to the needs of the driver user, and then propose it to the user. itself in the form of a quote for a vehicle insurance policy.

The known solutions described above are not free from drawbacks, including the fact that the calculation of at least one synthetic risk index relating to this driver is carried out on the basis of data collected by the technical means associated with the user's vehicle, as well as on the basis of historical data collected by an insurance company in the course of its business and relating to claims and / or damages paid, and therefore corresponding to behaviors, events and / or situations that occurred in a period of time that has now passed.

These past collected data represent a history of driving behavior and user distances, but there is no certainty that the behaviors, events and / or situations, to which such collected data refer, are repeated even in a period future time, which however is the time period covered by the insurance quote.

According to this logic, therefore, an insurance company must entrust, for the estimate of the costs relating to the insurance policies, to the evaluation of the driver users made only and exclusively on the basis of past data, when I invoke any insurance coverage it relates to a future time period, which therefore has yet to come. The aim of the present invention is to overcome the limitations of the prior art described above, devising a system and a method for calculating at least one risk index relating to the future driving activity of a vehicle by a user, particularly to estimate the costs relating to insurance policies for vehicles, which allow to obtain better effects than those obtainable with known solutions.

Within the scope of this aim, an object of the invention is to devise a system and a method for calculating at least one risk index relating to the future driving activity of a user which allow to elaborate this synthetic risk index on the basis of a set of contextual data, i.e. relating to behaviors, events and / or situations that have yet to take place in a future time period.

Another object of the present invention is to devise a system and a method for calculating at least one risk index relating to the future driving activity of a user which allow the direct or indirect intervention of the insurance companies in the definition of the criteria. actuarials and algorithms for calculating the synthetic risk index, or the synthetic index corresponding to the insurance value of the driver.

A further object of the present invention is to conceive a system and a method for calculating at least one risk index relating to the future driving activity of a user which allow the direct or indirect intervention of the insurance companies in the definition of the collected data. past and / or future contextual data for the calculation of the synthetic risk index, or the synthetic index corresponding to the driving user's insurance value.

Furthermore, the purpose of this LrovaLo is to devise a system and a method for calculating at least one risk index relating to the future driving activity of a user which are as independent as possible from the Lipology and the quality of the technical means used for the monitoring of the driving activity of driver users and the accuracy of its detections.

Not least object of the present invention is to provide a system for calculating at least one risk index relating to the future driving activity of a user which is highly reliable, relatively simple to manufacture and at low costs.

This task, as well as these and other purposes which will appear better below, are achieved by a system for calculating at least one risk index relating to the future driving activity of a user, comprising at least one vehicle, equipped with an electronic device for data collection, with a remote processing device, connected to each other by means of a first telematic communication network, characterized in that it further comprises at least one remote contextualization device capable of providing future contextual data to said remote processing device, called at least a remote processing device being connected to said remote processing device by means of a second telematic communication network, and in that said remote processing device comprises a calculation engine configured to calculate said at least one risk index as a function of said future contextual data and as a function of data passes you are detected and collected by said electronic data collection device of said at least one vehicle.

The intended aim and objects are also achieved by a method for calculating at least one risk index relating to the future driving activity of a user comprising the steps which consist in detecting and collecting past data by means of an electronic collection device. data associated with at least one vehicle, in acquiring future contextual data from at least one remote contextualization device, and in calculating said at least one risk index as a function of said future contextual data and as a function of said past data detected and collected by said electronic data collection device of said vehicle.

Further characteristics and advantages of the invention will become clearer from the description of a preferred but not exclusive embodiment of the system and method for calculating at least one risk index relating to the future driving activity of a vehicle by a user. according to the invention, illustrated by way of non-limiting example in the accompanying drawings, in which:

Figure 1 is a block diagram which schematically illustrates a possible embodiment of the architecture of the system for calculating at least one risk factor relating to the future driving activity of a user, according to the present invention;

figure 2 is a block diagram which schematically illustrates a possible embodiment of the system for calculating at least one risk index relating to the future driving activity of a user, according to the present invention;

Figure 3 is a flowchart representing the different steps which constitute a possible form of implementation of the method p <■> r the calculation of at least one risk index relating to the future driving activity of a user according to the present found.

With reference to the aforementioned figures, the system for calculating at least one risk index relating to the future driving activity of a user according to the invention, globally indicated with the reference number 10, substantially comprises at least one vehicle 20 equipped with a device electronic data collection device 21, a remote processing device 12, at least one remote contextualization device 24a, 24b, 24c, and at least one remote estimation device 34.

The system 10 for calculating at least one risk index relating to the future driving level of a user 5 also comprises a first telematic communication network 13, suitable for connecting the vehicle 20 with the remote processing device 12 and vice versa, a second telematic communication network 22, suitable for connecting the remote contextualization devices 24a, 24b, 24c with the remote processing device 12 and vice versa, and a third telematic communication network 32, suitable for connecting the remote estimation device 34 with the remote processing device 12 and vice versa.

In a preferred embodiment of the invention, the at least one vehicle 20 included in the system 10 for calculating at least one risk index relating to the future driving activity of a user 5 can consist of a motor vehicle, such as for example a motor vehicle, as illustrated in figure 1, but also a bus, a lorry, a road tractor, a trailer truck, an articulated lorry, an articulated vehicle or, more generally, any motor vehicle with at least four wheels.

Typically, the system 10 for calculating at least one risk index relating to the future driving activity of a user 5 comprises a plurality of vehicles 20, consisting for example of a set of motor vehicles of the various types listed above. By way of example, the system 10 according to the invention can comprise ten motor vehicles 20 in total, of which five motor vehicles, three buses, a lorry and a lorry.

In another embodiment of the invention, the system 10 for calculating at least one risk index relating to the future driving activity of a user 5 can comprise at least one vehicle 20 consisting of a motor vehicle, such as for example a motorcycle , a sidecar, a two-engine, a three-wheeler or, more generally, any motor vehicle with two or three wheels.

In another embodiment of the invention, the system 10 for calculating at least one index of re-echo relating to the future driving activity of a user b can comprise at least one vehicle 20 consisting of an aircraft, such as for example a glider, a motor glider, an ultralight plane, a piston engine plane, a turboprop plane, a jet, a balloon, means for free flight such as paragliding and hang gliding, a helicopter, a remotely piloted aircraft or a drone.

In yet another embodiment of the invention, the system 10 for calculating at least one risk index relating to the future driving activity of a user b can comprise vehicles 20 consisting of bicycles or segways.

Each vehicle 20 is equipped with an electronic data collection device 21 which can be constituted by any mobile device suitable to be transported and used by a user 5 inside the vehicle 20, such as for example a smartphone, a tablet or a device wearable electronic device such as a smartwatch, or from a device previously placed or installed, permanently or not, on the vehicle 20, such as an on-board computer, a black box or a suitable device connected to an OBD (On-Board Diagnostic ).

It should be noted that "user" commonly refers to a single person, but in the context of the present invention this term can also refer to a group of people, such as for example a family unit or a group of workers.

the electronic data collection device 21 of the vehicle 20 is able to detect the journeys of the vehicle 20 itself and, more generally, to collect data on the driving behavior and on the journeys of the user 5, using the available hardware components, such as for example GPS modules, timers, accelerometers or other types of motion sensors.

Furthermore, the electronic data collection device 21 of the vehicle 20 comprises means for interfacing with the remote processing spouse 12 and is configured to communicate with the latter through the telematic communication network 18, in order to transmit the aforementioned collected data. past relating to the journeys of the vehicle 20, as well as to the driving behavior and distances of the user 5.

The electronic data collection device 21 is uniquely associated in a temporary or permanent manner to the vehicle 20 on which it is located or installed, consequently being uniquely associated in a temporary or permanent manner also to the driver 5 of said vehicle 20.

After the driver user 5 has successfully made the association between himself and the electronic data collection device 21 of the vehicle 20, in a manner known to those skilled in the art, the electronic data collection device 21 starts, preferably in automatically or following a command, the monitoring of the driving activity of the user 5, i.e. the detection and storage of the journeys of the vehicle 20 and the characteristics of these journeys, this information being determined on the basis of predefined parameters detectable by the electronic data collection device 21 located or installed on the vehicle 20 of the driver 5 user, such as for example the movement and significant stop, the paths followed and the types of roads followed. For example, the routes followed can be traced using the GPS signal of a GPS module integrated in the electronic data collection device 21 of the vehicle 20.

As already mentioned, the electronic data collection device 21 of the vehicle 20 and the remote processing device 12 are capable of communicating with each other through a telematic communication network 18, preferably the Internet network.

The remote contextualization devices 24a, 24b, 24c are server-type systems, preferably web servers, each comprising a control unit 26a, 26b, 26c and a database for the contextual data archive 28a, 28b, 28c, such data base 20a, 28b, 28c being connected with the aforementioned control unit 26a, 2 6b, 2 6c, as well as including means for interfacing with the remote processing device ± 2.

These remote contextualization devices 24a, 24b, 24c are able to provide, following an appropriate query, the contextual data stored therein, including data relating to future conditions or to the conditions foreseen along the path that the driver user 5 intends to cover in a specific future period of time, but also, more generally, the data relating to future conditions or to the conditions foreseen in the range of the future time period during which the driver 5 intends to undertake the journey or, regardless of the path to be covered.

By way of example, the remote contextualization device 24a provides contextual data relating to the traffic conditions along the route that the driver user 5 intends to cover in a certain future period of time, the remote contextualization device 24b provides contextual data relating to the weather conditions provided along the path that the driver user 5 intends to cover in a certain future period of time, the remote contextualization device 24c provides contextual data relating to the forecasts of the financial market trend in a certain future period of time (for example in the next now, next day, next week, and so on).

Further examples of remote contextualization devices may provide contextual data relating to the predictions of the electoral results of the upcoming elections, or contextual data relating to the forecasts of the elections. results of future sporting or cultural events.

In practice, the remote contextualization devices 24n, 24b, 24c operate as external sources of future contextual information and data, managed by third parties operating for example in the field of traffic information, in the field of weather forecasts, or in the field of weather forecasts. field of financial market trends.

Furthermore, the remote contextualization devices 24a, 24b, 24c comprise means for interacting with the remote processing device 12 and are configured to communicate with the latter through the telematic communication network 22, in order to transmit the aforementioned future contextual data to following a query carried out by the remote processing device 12.

in an embodiment of the invention, the remote contextualization devices 24a, 24b, 24c further comprise means for interfacing with the remote forecasting device 34 and are configured to communicate with the latter through a telematic communication network, in order to transmit the aforementioned future contextual data following a query carried out by the remote estimation device 34.

The system 10 for calculating at least one risk index relating to the future driving activity of a user 5 according to the invention comprises means for selecting a path that the driving user 5 intends to cover in a determined future period of time.

It should be noted that, in the context of the present invention, a route can be defined in various ways: by way of example, a route can be defined by one or more specific routes to be followed to cover the distance between a starting point and a destination point (for example from Milan to Rome), or a route can be defined by a future time period during which the driver 5 intends to undertake their journeys (for example in the next week), or a route can be defined by a travel length of the driver 5 user (for example 1,000 km), or a route can be defined by a zone or geographical area within which the driver 5 user intends to undertake their journeys (for example in the municipality of Milan) , or a combination of the aforementioned methods (for example from Milan to Rome in the next week).

In an embodiment of the invention, the path selection means are comprised in the vehicle 20 guided by the user 5, in particular they can be comprised in the corresponding electronic data collection device 21. In another embodiment of the invention, the path selection means are comprised in the remote processing device 12. In yet another embodiment of the invention, the path selection means are comprised both in the vehicle 20 driven by the user 5, for example in the corresponding electronic device dowry collection 21, and in the remote processing device 12.

After the driver user b has successfully defined a path that he intends to cover in a certain future period of time, by means of the path selection means and in a manner known to the person skilled in the art, the remote processing device 12 starts, the process for calculating the risk index, and to obtain the future contextual data necessary for this purpose, queries the remote contextualization devices 24a, 24b, 24c, sending information and data relating to the path to Lutti or to some of them defined that the driver user 5 intends to cover and to the future time period during which he intends to undertake the journey along the defined path.

Following this interrogation, the control unit 2fia, 26b, 26c of each remote dispatching device 24a, 24b, 24c analyzes the information and data received from the remote processing device 12, and as a function of them retrieves the relative future contextual data stored in the database for the contextual data archive 26a, 28b, 28c, which are then sent to the remote processing device 12 as a response to the aforementioned query.

As already mentioned, the remote contextualization devices 24a, 24b, 24c and the remote processing device 12 are able to communicate with each other via a telematic communication network 22, preferably the Internet network.

The remote processing device 12, typically belonging to an intermediate company 30 specialized in the assessment of insurance risk, is a server-type system, preferably a web server, comprising a calculation engine 14 and a database for the user data 16, this data base 16 being connected to the aforementioned calculation engine 14, as well as comprising means for interfacing with the electronic data collection device 21 of the vehicle 20, means for interfacing with the remote contextualization devices 24a, 24b, 24o, and means for interfacing with the remote estimation device 34.

In practice, this remote processing device 12 performs the function of aggregating the past data collected and collected by the electronic data collection devices 21 located or installed on a plurality of vehicles 20 monitoring the driving activity of the users, as well as the function of calculating the synthetic risk index relating to the future driving activity of the vehicle 20 by the user 5.

In an embodiment of the invention, the remote processing device 12 further comprises a database for the archive of contextual data, i.e. of the data retrieved over time by the remote processing device 12 itself by interrogating the devices from time to time. remote contextualization 24a, 24b, 24c.

In an embodiment of the system 10 for calculating at least one risk index relating to the future driving activity of a user 5 according to the invention, the remote processing device 12 comprises interface means, implemented for example inside a a web app, through which the driver 5 user can register for the driving activity monitoring service, filling in some fields relating to his personal idontif icative data, to the data on his insurance history and to the identification data of the vehicle driven by user 5.

By way of example, the personal identification data requested from the driver 5 user may include: lullabies and surname, sex, date of birth, social security number, residence and domicile address, landline and mobile phone number, email address; while the identification data from the vehicle driven by the user 5 may include: make, model, displacement, year of registration, plate number, chassis number.

The calculation engine 14, as mentioned included in the remote processing device 12, is configured to calculate, according to suitable actuarial criteria and algorithms known to the skilled in the art, at least a synthetic risk index both as a function of the data relating to the driving activity of the user 5, i.e. the data on the driving behavior and on the journeys of the user 5 himself, detected and collected at each trip by the electronic data collection devices 21 placed or installed on the vehicles 20, both as a function of future contextual data , i.e. data relating to future conditions (for example traffic information) or to expected conditions (for example weather forecasts), retrieved from the remote processing device 12 by interrogating the remote contextualization devices 24a, 24b, 24c .

In particular, this synthetic risk index numerically represents the level of risk, and therefore the insurance value, referable to a driver 5 according to the usual behavior behind the wheel of the category of users to which it belongs, the driving behavior of the specific user 5 and of its distances, of the future or foreseen conditions along the route that the driver user 5 intends to cover.

As already mentioned, the remote processing device 12 receives, from the plurality of electronic data collection devices 21, the driving data collected by them and with such input data it feeds a "global" database 16, i.e. say a database that stores all the data collected or processed, relating to the entire set of driver users registered with the driving activity monitoring service.

The database for the user data archive 16, as mentioned included in the remote processing device 12, is connected to the calculation engine 14 of the remote processing device 12 and allows the data entered by each user to be stored and retrieved. driver ΰ during registration for the service, as well as the data deriving from monitoring the driving activity of the driver 5 user himself.

The data deriving from the monitoring of the user's driving activity can include, for example, the statistical data of the individual trips made (date, trip duration, km traveled} and the overall distance statistical data (total km traveled, percentage of distance along urban roads, suburban roads, motorways, percentage of travel in day or night hours).

In an embodiment of the invention, the personal identification data of the driver 5, the identification data of the vehicle 20 associated with the user 5, and the data deriving from the monitoring of the driving activity of the user 5 together constitute a personal profile of the driver user b, stored in the database for the user data archive 16.

In a preferred embodiment of the system 10 for the calculation of at least one risk index relating to the future driving activity of a vehicle by a user 5, the remote processing device 12 is further connected with at least one remote control device budgeting 34. This connection again takes place by means of a telematic communication network 32, preferably the Internet network.

The remote estimation device 34, typically belonging to an insurance company 40, an insurance broker, or to a price comparator / aggregator, is a server-type system, preferably a web server, comprising a quote generation engine 36 and a base data for the insurance data archive 38, said database 38 being linked to the aforementioned estimate generation engine 36, as well as comprising means for interfacing with the remote processing device 12.

In particular, the remote estimation device 34 provides for a structured sharing, with the remote processing device 12, of information relating to the personal profile of the driver 5, including for example his personal identification data, the identification data of his vehicle 20. , and 1 / the synthetic risk index calculated by the calculation engine 14 as a function of past collected data and / or future contextual data.

As mentioned, the remote estimation device 34 coitipren.de a quote generation engine 36, adapted to generate a quote for a vehicle insurance policy using the data received from the processing device 12, i.e. personal identification data of the driver 5, the identification data of his vehicle 20, and at least one synthetic risk index calculated on the basis of past data collected and / or future contextual data.

The engine for generating estimates 36 is therefore suitable for determining the insurance solution for vehicles most suited to the needs of the driver 5 user, and then proposes it to the user 5 himself before a specific trip, or before a period of time.

The database for 1 / insurance data archive 38 is a database connected to the estimate generation engine 36 that allows you to store and retrieve the estimates generated over time by the remote estimate device 34, but above all the procedural, deductive and qualitative rules used for the generation of estimates, specific to each 4U insurance company and deriving from the experience of the insurance company 40 in the specific sector.

Thanks to these inference rules, the quote generation engine 36 of the remote estimation device 34 is able to select the terms or clauses that make up the insurance solution, i.e. the policy, which best suits the needs of protection from risks. user driver 5, with reference to the route he intends to cover in a specific future period of time, and to determine the corresponding total insurance premium or for each term c clause of the vehicle policy.

In particular, in the context of the present invention, these terms or clauses can be added or removed, by the remote device of preventi valley 34, from the estimate for the insurance policy on the basis of future contextual data.

It should be noted that the insurance premium, i.e. the total cost or for each term or clause of the insurance to be borne by the driver 5, can be expressed in various ways: by way of example, an insurance premium can refer to a length of distance of user driver 5 (for example a cost per kilometer, a cost per 100 km, or a cost per 1,000 km), or an insurance premium may refer to a future time period during which the user driver 5 intends to deal with their journeys (for example an hourly cost, a daily cost, a weekly cost, or a monthly cost), or an insurance premium may refer to an area or geographical area within which the driver 5 intends to face your travels (for example or a cost in the municipality of Milan), or a combination of the aforementioned methods (for example an hourly cost in the municipality of Milan).

As already mentioned, the remote preventive device 34 and the remote processing device 12 are able to communicate with each other through a telematic communication network 32, preferably the Internet network.

In this way, the remote processing device 12 may be able to retrieve the past collected data and / or the future contextual data from time to time necessary to be able to perform the calculation of the synthetic risk index, as described above; and send to the remote estimation device 34 of the insured company 40, or to the remote estimation devices 34 of a plurality of insurance companies 40, the identifying personal data of the driver user 5, the data on his insurance history, the identification data of its vehicle 20, and the calculated synthetic risk index.

In summary, at each journey made by the user driver 5 or, more generally, at each communication between the electronic data collection device 21 of the vehicle 20 driven by the user 5 and the remote processing device 12, the latter receives in input , by the electronic data collection device 21, the data relating to the driving activity of the user 5 and r.i. attributable to this single trip or to the most recent trips made, and stores such input data in the database for the user data archive 16, associating them with the personal profile of the driver user 5 created during registration.

Subsequently, when the driver user 5 defines a path that he intends to cover in a certain future period of time and for which he wants to obtain insurance coverage, to obtain the future contextual data necessary to start the process for calculating the risk index, the remote processing device 12 queries the remote contextualization devices 24a, 24b, 24c, sending to all or some of them the information and data relating to the defined route that the driver user 5 intends to cover and to the time period future in the course of which he intends to undertake the journey along the path defined.

Once the aforementioned future contextual data has been acquired, the remote processing device 12 starts the process for calculating the risk index as a function of the past collected data, as mentioned, stored in the database for the data archive. user 16, and of the future contextual data, made available to the remote contextualization devices 24a, 24b, 24c.

in this way, if the user driver 5 has obtained a sufficiently "good" risk index relating to future driving activities, ie within a first range of values defined by the insurance companies, he will be able to obtain a quotation from the insurance companies discounted or more generally favorable conditions, such as a low deductible value, for the insurance policy of your vehicle; while if the user driver 5 has obtained a "bad" risk index, ie within a second range of values defined by the insurance companies, he will be able to obtain from the insurance companies a higher quotation or more generally unfavorable conditions, such as limitations of the policy, for the insurance policy of your vehicle.

According to this synthetic risk index, therefore, the insurance companies will provide the driver 5 with a more or less discounted or higher cost estimate.

An embodiment of the method for calculating at least one risk index relating to the future driving activity of a vehicle by a user 5, according to the present invention, will now be illustrated with reference to Figure 3.

The method begins at step 50, with the detection and collection at each journey, by the electronic data collection device 21 located installed on the vehicle 20, of data relating to the driving activity of the user 5, i.e. data on the driving behavior or on the journeys of the user 5 himself.

Subsequently, in step 52, the user-driver 5 successfully defines a path that he intends to cover in a determined future period of time, by means of the path selection means and according to methods known to those skilled in the art.

At step 54, to obtain the future contextual data, i.e. data relating to future conditions (for example traffic information) or to expected conditions (for example weather forecasts), necessary to start the process for the calculation of the 'risk index, the remote contextualization devices 24a, 24b, 24c are queried, sending to all or some of them the information and data relating to the defined path that the driver user b intends to cover and to the future time period in the course of which he intends to undertake the journey along the defined path.

Subsequently, once the future contextual data has been acquired, at step 56 the at least one synthetic risk index is calculated according to suitable actuarial criteria and algorithms known to the skilled in the art, both as a function of the data relating to the driving activity of the user. 5 referred to in step 50, detected and collected at each journey by the electronic data collection device 21 associated with the vehicle 20, both as a function of the future contextual data referred to in step 54, retrieved by querying the remote contextualization devices 24a, 24b , 2ic.

In particular, this synthetic risk index numerically represents the level of risk, and therefore the insurance quality, referable to a user 5 as a function of. habitual behavior behind the wheel of the category of users to which it belongs, of the driving behavior of the specific driver 5 user and of his journeys, of the future or foreseen conditions along the route that the driver user 5 intends to cover.

Finally, at step 58, the remote estimation device 34 of an insurance company 40 generates a quote for a vehicle insurance policy and determines the corresponding total insurance premium or for each term or clause of the vehicle policy, using a plurality of data 1 including the at least one synthetic risk index referable to the driver user 5 calculated in step 56.

This estimate includes the terms or clauses that make up the insurance solution, i.e. the policy, which best suits the driver 5 user's risk protection needs, with reference to the path he intends to cover in a specific future period of time. defined in step 52.

In particular within the scope of the present invention, these terms or clauses can be added or removed by the remote estimation device 34 of the insurance company 40, from the estimate for the insurance policy on the basis of future contextual data.

In practice it has been found that the invention fully achieves the intended aim and objects. In particular, we have seen how the system and method for calculating at least one risk index relating to the future driving activity of a vehicle by a user, particularly for the estimation of costs relating to insurance policies for vehicles, Conceived in this way, they allow the qualitative limits of the prior art to be overcome, as they allow the elaboration of this synthetic risk index on the basis of a set of future contextual data, i.e. relative to behaviors, events and / or situations that have yet to occur in a future time period.

Another advantage of the system and of the method for calculating at least one risk index relating to the future driving activity related to the future driving activity consists in the fact that they allow direct or indirect intervention of the insurance companies in the definition of the actuarial criteria and algorithms for the calculation of the synthetic risk index, or the synthetic index corresponding to the insurance value of the driver.

A further advantage of the system and of the method for calculating at least one risk index relating to the future driving activity related to the future driving activity consists in the fact that they allow the direct or indirect intervention of the insurance companies in the definition of the data. collected past and / or future contextual data for the calculation of the synthetic risk index, or of the synthetic index corresponding to the insurance value of the driver.

Again, an advantage of the system and of the method for calculating at least one risk index relating to the future driving activity related to the future driving activity consists in the fact that they are in practice independent of the type and quality of the technical means used. for monitoring the driving activity of driver users and the accuracy of its readings.

The device, thus conceived, is susceptible of numerous modifications and variations, all of which are within the scope of the inventive concept. Furthermore, all the details may be replaced by other technically equivalent elements.

In practice, the materials used, as well as the contingent shapes and dimensions, may be any according to requirements and to the state of the art.

Accordingly, the scope of the claims is not to be limited by the illustrations or preferred embodiments illustrated in the description in the form of examples, but rather the claims are to encompass all of the patentable novelty features that reside in the present invention, including all the characteristics that would be treated as equivalent by the person skilled in the art.

Claims (8)

R T V I N D I C A Z I O N I 1. System (10) for the calculation of at least one risk index relating to the future driving activity of a user (5), comprising at least one vehicle (20), equipped with an electronic data collection device (21), and a remote processing device (12), connected to each other by means of a first telematic communication network (18), characterized in that it further comprises at least one remote contextualization device (24a, 24b, 24c) suitable for providing future contextual data to said remote processing device (12), said at least one remote contextualization device (24a, 24b, 24c) being connected to said remote processing device (12) by means of a second telematic communication network (22), and from the fact that said remote processing device (12) comprises a calculation engine (14) configured to calculate said at least one risk index as a function of said future contextual data and as a function of past data detected and collected by said electronic data collection device (21) of another vehicle (20). 2 . System (10) for calculating at least one risk index relating to the future driving activity of a user (5) according to claim 1, characterized in that it further comprises means for selecting a route that said user (5) intends cover in a determined future time period, and by the fact that said future contextual data is provided by said at least one remote contextualization device (24a, 24b, 24c) to said remote processing device (12) as a function of said defined path. System (10) for calculating at least one risk index relating to the future driving activity of a user (5} according to claim 1 or 2, characterized in that said remote processing device (12) further comprises a database for the user data archive (16) adapted to archive learned past data detected and collected by said electronic data collection device (21) of said at least one vehicle (20), said database (16) being connected to said calculation engine (14). 4. System (10) for calculating at least one risk index relating to the future driving activity of a user (5) according to one or more of the preceding claims, characterized by the fact that it further comprises at least one remote estimation device ( 34), connected to said remote processing device {12) by means of a third telematic communication network (32), said at least one remote activation device (34) being able to generate a quote for an insurance policy for vehicles using a plurality of data received from said remote processing device (12), including. called at least one risebio index. 5. System (10) for calculating at least one risk index relating to the future driving activity of a user (5) according to claim 4, characterized in that said at least one remote estimation device (34) comprises a motor generation of estimates (36) and a database for the insurance data archive (38), said database (38) being connected to said estimate generation engine 6. Method for calculating at least one risk index relating to a user's future driving activity (5) comprising the steps that consist of: detecting and collecting (50) past data by means of an electronic data collection device (21) associated with at least one vehicle (20); - acquire (54) future contextual data from at least one remote contextualization device (24a, 24b, 24c); - calculate (56) said at least one risk index as a function of said future contextual data and as a function of said past data detected and collected by said electronic data collection device (21) of said vehicle (20). 7. Method for calculating at least one risk index relating to the future driving activity of a user (5) according to claim 6, characterized by the fact of further understanding the step which consists in defining (52) a path that said user (5) intends to cover in a certain future time period, c by the fact that said step of acquiring (54) said future contextual data is performed according to said defined path. 8. Method for calculating at least one risk index relating to the future driving assets of a user (5) according to claim 6 or 7, characterized by further understanding the step which consists in generating (58) an estimate for a vehicle insurance policy using a plurality of data, including at least one risk index calculated in step (56)