App SafetyNex pour les assureurs

SafetyNex pour les compagnies d’assurance

. SafetyNex est une App Smartphone qui se vit par les conducteurs comme étant un véritable copilote digital : alerte en amont d’une difficulté dès lors que la vitesse excessive du véhicule montre clairement que le conducteur n’a pas identifié le danger. SafetyNex remonte périodiquement aux assureurs des profils d’usages et de risque.

. Les utilisations prévues de SafetyNex par les compagnies d’assurance sont :

– Augmentation de la marge opérationnelle de l’assureur : SafetyNex peut permettre d’éviter 20% des accidents de la route d’après les études publiées en Grande Bretagne et aux USA. Si la compagnie d’assurance déploie SafetyNex à primes constantes : elle offre à ses assurés, un outil perçu comme utile, et elle baisse l’accidentologie de 20%. Par ailleurs, les accidents non évités arrivant statistiquement moins vite (puisque le conducteur est prévenu en amont, il a le temps de ralentir), la sinistralité est plus faible. Cela s’applique à l’ensemble des conducteurs, y compris les jeunes conducteurs qui coûtent cher aux assureurs. Cet effet sur la marge ne demande aucun travail particulier à l’assureur.

– Pay as you drive : les usages sont tracés (km parcourus, tranches horaires, type d’infra Ville/Route/Autoroute, etc…) ce qui permet de proposer des tarifs à l’utilisation.

– Pay how you drive : le risque pris par le conducteur est mesuré, et permet à l’assureur d’ajuster ses segmentations de clientèles et ses tarifs s’il veut proposer des tarifs modulés par le risque.

– Prime écologique : SafetyNex intègre en option un système de calcul de l’éco-conduite qui est inversement proportionnel à la brutalité de la conduite.

– Prévention : les profils de risque peuvent être croisés avec des causes de risque (vitesse inadaptée en virage, sur croisement, sur zones piétonnes, etc…) si bien qu’il est possible de proposer des sensibilisations, stages, et formations ciblés sur une population.

– Silver coaching : le suivi des risques dans le temps peut permettre de déceler une baisse d’aptitude à la conduite chez les séniors. Dans ce cas, l’assureur peut intervenir pour aider son client à baisser son risque tout en restant conducteur le plus longtemps possible.

– Assistance : en cas de choc sévère, le smartphone propose un « gros bouton » OK permettant d’appeler en un clic un numéro de téléphone préenregistré par l’App.

NB : SafetyNex s’inscrit parfaitement dans les évolutions du métier de l’assureur, telles que présentées dans les publications de synthèse des cabinets de Consulting de renommée mondiale (Accenture, BCG, Deloitte, KPMG, McKinsey, etc …)

SafetyNex ne remonte AUCUNE donnée brute et/ou indiscrète (compatibilité CNIL à 100%). Toutes les données brutes, nécessaires aux calculs, sont utilisées DANS le smartphone (calculs sur le microprocesseur du smartphone) et non stockées.

SafetyNex a été validé sur 50 millions de km.

Les données remontées dans le cloud sont des histogrammes (profils) et tous les croisements des variables :
. usages : km parcourus, ville/route/autoroute, tranches horaires, zone géographique (département)
. risque (histogrammes et grandes catégories de risques)
. note éco (en option)

Voici des écrits synthétiques de NEXYAD :

Modification profonde du métier d’assureur (et apport dans ce cadre de l’App SafetyNex)

Mesure embarquée du risque d’accident avec SafetyNex et respect des libertés individuelles.

Estimation embarquée et temps réel du risque de conduite, corrélé avec l’accidentologie : SafetyNex

SafetyNex for Insurance Companies

SafetyNex for insurance companies

. SafetyNex is a Smartphone road safety App that works like a true digital co-pilot : warning the driver when approaching a dangerous area, once the excessive speed of the vehicle clearly shows that the driver did not notice the danger. SafetyNex records for insurers profiles of risk and usage.

. Insurance Companies can use SafetyNex for several purposes :

– Increase operating margin of the insurer
SafetyNex can prevent 20% of road accidents according studies published in Great Britain and the USA. If the insurance company deploys SafetyNex with no premiums change : it offers a tool to its policyholders perceived as useful, and it decreases the accident of 20%. Moreover, accidents that may not be avoided come statistically slower (because the driver is warned and has time to slow down), the loss ratio is lower. This applies to all drivers, including young drivers that are costly to insurers.

– Pay as you drive: usages are plotted (km traveled, type of infra City / Highway / Highway, time slots, etc …) allowing to offer per-use rates.

– Pay how you drive: the risk taken by the driver is measured, and allows the insurer to adjust its client segmentation and its prices if it wants to offer rates modulated by the risk.

– Ecological bonus: SafetyNex incorporates an optional eco-driving scoring system that is inversely proportional to the brutality of driving.

– Prevention: the risk profiles can be crossed with class of risk (inappropriate speed cornering, on crossing over pedestrian zones, etc …) so it is possible to provide sensitization, courses, and targeted training on a population.

– Silver coaching: risk monitoring among time may help to detect a decline in driving ability for seniors. In such a case, the insurer may act to help its customers to lower their risk while staying as long as possible a driver.

– Support: in severe crash, the smartphone pops up a “big OK button” for calling in one click a phone number prerecorded by the App.

NB: SafetyNex fits perfectly with deep changes in the car insurance business, as presented in publications of Major Consulting Groups (Accenture, BCG, Deloitte, KPMG, McKinsey, etc …)

SafetyNex doesn’ record any raw data and / or intrusive data (100% CNIL and privacy protection compatibility). All raw data required for risk assessment are used INSIDE the smartphone (computing on the microprocessor of the smartphone) and those raw data are not recorded.

SafetyNex was validated on 50 million km.

Data recorded in the cloud are histograms (profiles) and all crossings of variables:
. usage : kilometers traveled, city / highway / motorway, time slots, geographical area (department)
. risk (histograms and broad risk categories)
. Eco rating (optional)

Here are papers of NEXYAD:

Deep Changes in the Business of Car Insurance. Contribution of Smartphone App SafetyNex in this Global Context.

Onboard Measurement of Risk of Accident with SafetyNex (real time risk assessment): Application to Prevention, Auto Insurance Pricing, Respecting Privacy of Driver

The Ultimate Solution for Insurance Companies that need Onboard Risk Assessment.

Deep Changes in the Business of Car Insurance
Nexyad White Paper #3

“Deep changes in the business of car insurance.
Contribution of smartphone App SafetyNex in this global context.”

Version française

by NEXYAD
September 2016

1 – Role of the insurer
The insurance idea would have appeared on the occasion of the first great journey by boat, and the appearance of “modern” insurance is generally dated from the 19th century.
The principle of insurance is easy to understand : if accidents are rare (compared to the number of occurrences – travel, car trips, etc.), a simple and prudent idea then is to “put aside” a certain amount of money for each occurrence (which on average does not lead to an accident) and to use the money to repay the cost of the claim in case (rare) of accident.
One could imagine that individuals manage themselves each a “pot” of this type. Of course, even if an accident is rare, you never know when it happens and it may happen at any beginning of the process so that the pot is almost empty.
We could then easily make a common pot between several people, to smooth it : if three people make a common pot, it is unlikely that the three have an accident while starting hoarding. But… it is anyway possible. Although if the pot is conceived with hundreds of thousands of people there, you secure the problem of “instant” of the accident. This is the « law of large numbers », which allows a deterministic modeling of chance : the odds. It remains to define the amount of money to set aside each month for example (or each travel).
To handle this (a pot shared by hundreds of thousands of contributors, the estimated sum to put aside, etc…), it is obvious that it is necessary to have qualified personnel, sufficient… and finally, it happens naturally to the idea of the Insurance Company.

Read the entire paper

Modification profonde du métier de l’assurance auto
Nexyad Livre Blanc n°3

Modification profonde du métier de l’assurance auto.
Apport de l’App smartphone SafetyNex dans ce contexte global.

Par NEXYAD
Sept 2016

English translation

1 – Rôle de l’assureur

L’idée d’assurance serait apparue à l’occasion des premiers grands voyages maritimes, et l’apparition
« moderne » de l’assurance est généralement datée du 19ème siècle.
Le principe de l’assurance est le suivant : si les accidents sont rares (comparativement au nombre
d’occurrences : de voyages, de trajets automobile, etc.), une idée simple et prudente consiste alors à « mettre de côté » une certaine somme pour chaque occurrence (qui en moyenne ne conduit pas à un accident) de manière à utiliser cette somme pour rembourser le coût du sinistre en cas (rare) d’accident.
On pourrait imaginer que les particuliers gèrent eux-mêmes chacun une « cagnotte » de ce type. Bien sûr, même si un accident est rare, on ne sait jamais quand il arrive et il se peut qu’il arrive au tout début du processus si bien que la cagnotte est presque vide.
On peut alors facilement faire une cagnotte commune entre plusieurs personnes, pour lisser ce problème : si trois personnes font une cagnotte commune, il est peu probable que les trois
aient un accident au tout départ de la thésaurisation. Mais … c’est quand-même possible. On conçoit bien que si l’on construit la cagnotte avec plusieurs centaines de milliers de personnes, là
on a sécurisé le problème du « moment » de l’accident. C’est la loi des grands nombres qui permet d’utiliser une modélisation déterministe du hasard : les probabilités. Reste à définir le montant de la somme à mettre de côté, chaque mois par exemple (ou à chaque trajet).

Lire le livre blanc ici

Newsletter #11 is available

The Nexyad Automotive & Transportation Newsletter #11


SafetyNex the Driving Force of Nexyad Products


Headlines :

– Future Events
– Accident fatalities in Tesla car
– White paper “Vehicle Telematics, Measurement of Risk in Driving, Respect of Individual Freedoms”
– A scale model car to test ADAS
– SafetyNex available on App Store and Google Play Store end of october

Read the Newsletter

SafetyNex the Driving Force of Nexyad Onboard Products

NEXYAD Automotive & Transportation Newsletter #11, August the 24th, 2016



Headlines :

– Future Events

– Accident fatalities in Tesla car : NEXYAD modules might prevent accident.

– White paper “Vehicle Telematics, Measurement of Risk in Driving, Respect of Individual Privacy” (Auto Insurance and ADAS applications)

– A scale model car to test ADAS (ADAS validation)

– SafetyNex available on App Store and Google Play Store end of october



Future Events

NEXYAD at the Mondial de l’Automobile 2016, october 5th.

NEXYAD will be on Mondial de l’Automobile 2016 at Paris, october 5th invited by BMW on BMW booth.
After have been choosen as one of the three winners of BMW Techdate Challenge 2016.
Mondial Nexyad

Reminder : BMW Techdate wished to push ahead the french innovative high tech and identify new partners for technology matters. After a picky skimming, 20 startups were selected to present their project in front of a professional panel of Automotive, mobility, and connected car experts.
The quality of SafetyNex impressed the jury and the 9th june, BMW France announced Nexyad as part of the 3 winners of the first Techdate Challenge with Oridao and Sentryo.

BMW Techdate winner
Gérard Yahiaoui, Nexyad CEO

Reporter Stephane Soumier invited Serge Naudin CEO of BMW Group France and Gerard Yahiaoui CEO of Nexyad at « Good Morning Business » on the major french TV Channel BFM Business.

BFM Business
From left to right : Serge Naudin, Stéphane Soumier, Gérard Yahiaoui


NEXYAD will visit Automotive major companies in Germany

Four french competitive clusters, Mov’eo, ID4CAR, LUBT and Véhicule du futur organized a new mission for their members : The International Partnership Approach. NEXYAD will take part of it.

Onboard Systems for the Connected and Smart Car – 28th november / 1st december 2016

The delegation will visit BMW, AUDI, CONTINENTAL, DAIMLER, BOSCH, PORSCHE, and the University of Nuremberg… in the cities of Munich, Regensburg, Nuremberg and Stuttgart.
Mission Germany

More information here


NEXYAD at the next CES in Las Vegas 5-8 January, 2O17
CES 2017


All lights are green for SafetyNex App on Smartphone
Four french Insurance companies are currently testing SafetyNex.

Since end of june 2016, it is possible to ask NEXYAD for a test (30 days) of SafetyNex App on Android Smartphone.

Do not hesitate to request.
TRY IT !
SafetyNex for IOS (Iphone) will be available at the end of september.



Accident fatalities in Tesla car : NEXYAD modules might prevent accident.

Accident fatalities in a TESLA car might have been avoided by using software modules of NEXYAD : the time for monitoring circuit has come.
By NEXYAD

Processing circuit, informing auto-pilot systems, control, etc … from perception, data fusion, decision-making, and automatic control of actuators, are usually very well designed, and based on high-performance modules. But unfortunately, this is not enough to void the risk of accidents. Indeed, for the treatment of this risk, it lacks a parallel circuit (parallel and independent) called “monitoring” circuit.
To understand this need for a monitoring circuit, one must first understand the level of complexity of a road scene viewed from a camera.

The variability of road scenes is actually much more than what a normal person comes to imagine. Indeed, a color image, which has eight bits for each colors (then, 24-bit, as there are 3 colors) may encode 224 different color levels per pixel (more than 65,000 different possible values). HD video has more than 2 million pixels.
This means that the matrix of HD 8-bit color image may encode more than 65 0002 000 000 images !
This huge number is simply unimaginable.

Read the entire paper

Accidented Tesla
http://www.nextinpact.com/news/100804-accident-mortel-tesla-model-s-roulait-trop-vite-enquete-se-poursuit.htm



White paper “Vehicle Telematics, Measurement of Risk in Driving, Respect of Individual Privacy” (Auto Insurance and ADAS applications)

SafetyNex for Insurance

“Vehicle Telematics, measurement of risk in driving, respect of individual privacy” is the new white paper from Nexyad, which explains important points to check on a vehicle telematics application to assess the risk taken by the driver about his driving task.

The calculation of risk requires having contextualized data that are inherently confidential, personal, and therefore which must in no case be recorded on computer servers in a cloud as they contain, directly or indirectly, information about offenses (in France it is forbidden: by respect of the criminal code and rules CNIL).

Onboard-measurement-of-risk-of-accident-with-SafetyNet-real-time-risk-assessment.pdf



A scale model car to test ADAS (ADAS validation)

NEXYAD will use a scale model car for ADAS and driverless software modules testing & validation.

Nexyad built their own intelligent scale model of car integrating a camera and telecommunications to a PC running the RT-MAPS framework (by INTEMPORA).

Scale Model Car Nexyad

The PC runs real world detection software modules of NEXYAD into the framework RT-MAPS. Then the
scale model car can evoluate on a scale model landscape where it is easy to generate complex use cases
such as sun rising and other perturbations that are not easy to record in the real world and that are not that easy to simulate.

Beside, Nexyad built a testing and validation database that will represent thousands of million km of natural driving with the fewest number of vids as possible.
NB : this NEXYAD validation database will be available for free to every research and development team in the world on the NEXYAD web site.

Database

This database will be used by NEXYAD of course to test and validate their own software modules for ADAS and Driverless cars :
. RoadNex for road detection
. ObstaNex for obstacles detection
. ObstaNex BiCam for obstacles detection using 2 cams
. VisiNex for visibility measurement
. SafetyNex for real time onboard risk assessment

This database is the result of a advanced methodology published in the 90’s by Nexyad Founder. The methodology “AGENDA” allows to build and validate camera-based complex detection and recognition systems (for ADAS and driverless cars).
This methodology was recently re-published and presented in different symposiums in Europe to show exactly how it may be used by car manufacturers and their OEMs.



SafetyNex available on
App Store and Google Play Store end of october

SafetyNex One Pager

Interest for the driver :
. SafetyNex warns you when there is a danger ahead in function of your car speed (save your health or your life)
. SafetyNex warns you when your speed is over legal limitation (save your money and your driving licence)

Interest for Insurance Companies :
. SafetyNex provides qualified data as histogram of risk taken by the driver, eco driving score, statistics of usages, contingency tables, etc.

Interests for car manufacturers :
. SafetyNex can be used as ADAS for customers
. SafetyNex gives the risk taken by the robot driver of future Autonomous Car

AVAILABLE END OF OCTOBER ON :
Stores

More information