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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

Nexyad at the « Mondial de l’Automobile 2016 »

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.

L’accident mortel en Tesla aurait peut-être pu être évité

L’accident mortel en TESLA aurait peut-être pu être évité grâce à des modules logiciels de NEXYAD

English translation

par NEXYAD, août 2016

Les passions se déchaînent autour de la question des véhicules autonomes, ou semi-autonomes. Récemment, une personne a perdu la vie dans son véhicule TESLA alors qu’il était en mode auto-pilote.
NEXYAD a étudié la sécurité routière pendant une vingtaine d’année, et nous donnons quelques éléments de réflexion sur ce type d’accident.

Les chaînes de traitement de l’information des systèmes auto-pilote, driverless, etc… allant de la perception de l’environnement jusqu’à la prise de décision et à la gestion automatique des actionneurs, sont généralement très bien conçues, et mettent en œuvre des modules performants. Mais cela ne suffit pas à rendre nul le risque d’accident. En effet, pour traiter ce risque, il manque une chaîne parallèle (et indépendante) de « monitoring ».
C’est pour bien comprendre cette nécessité, il faut tout d’abord appréhender le niveau de complexité d’une scène routière vue par une caméra.

Le livre blanc à lire 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

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.

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 65 000^{2 000 000} 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

Accident fatalities in a TESLA car

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

Version française

By NEXYAD

Read the entire paper

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

New note in NEXYAD-ADAS blog for insurance companies

It is now easy to implement a Driving Behaviour Scoring module in order to estimate road safety and eco-driving and know the driver better. Useful in pay how you drive applications (insurance pricing).
http://www.nexyad-adas.com/archives/2015/11/28/32992618.html

REAL TIME ONBOARD RISK ESTIMATION
CORRELATED WITH ROAD ACCIDENT

REAL TIME ONBOARD RISK ESTIMATION CORRELATED WITH ROAD ACCIDENT :
AN ENTIRELY SOLVED PROBLEM AND A PRODUCT ALREADY AVAILABLE FOR DEPLOYMENT

by NEXYAD

(Version Française ici)

INTRODUCTION

Measuring road safety in the context experienced by the driver is a topic of interest for several activities :
. car manufacturers, who can inform the driver of potential dangers
. autonomous vehicle developers who need to prove that the driving actually minimizes risk of accident.
. fleet managers and insurance companies who wish to measure the risk taken by drivers (how they drive)
. managers of road infrastructure that alway change infrastructure to adapt and lower the risk of accident

The company NEXYAD has been developing since 2001 an embedded onboard module, SafetyNex, to
estimate in real time the risk of accident.

PRECONCEIVED IDEAS ABOUT ROAD ACCIDENTS AND DRIVING STYLE

Many trials have been completed or in progress, particularly by insurance companies and fleet managers,
In order to measure what is called the « driving style ».

The assumption is that some drivers are more « nervous » than others, and that this has an impact on the accident: those that speed up or slow down quite often brutally would be « bad drivers » while those with a quieter driving style would be « good » drivers.
This assumption is contradicted by the facts. There is no statistical connection between the driving style and
the accident.

Formally, one can easily fancy very well that if a driver operates very quietly, without slowing, without
accelerating at 30 km / h, and if this driver passes through a stop road sign without braking … then the driving style is quiet but very accident-prone.
We then see that beyond the possible statistical link (that doesn’t exist), there can be no relationship of cause and effect.

All experiments that were conducted led to this result.
All those that will be conducted, based on more or less intelligent thresholding of the acceleration values are doomed to failure.
Do not confuse eco-driving and safe driving.

Driving style cannot be interpreted itself without context description :
. infrastructure shape and characteristic, on which the vehicle is traveling
. traffic (presence of other road users)
. weather conditions (visibility, grip, …)
. level of driver vigilance (distraction, drowsiness, sleep …)

NEXYAD has developed a scalable solution capable of taking into account all these factors.
SafetyNex is therefore able to estimate the risk of driving using all those variables.
Version 2.1 of SafetyNex, under deployment, takes into account the adequacy of driving style with the type and shape of infrastructure (breaks on route characteristics, turns, pedestrian crossings, intersections …).

This version has been intentionally reduced to « driving style vs infratructure characteristics », because it already gives a 90% correlation with accident and because this version is deployable at very low cost:
. on smart phone
. electronic device (developed by an automotive tier one company), without using the OBD socket)

CORRELATION OF RISK OF ACCIDENT ESTIMATED BY SafetyNex V2.1 AND ACCIDENT

NEXYAD participated in collaborative research programs since 2001, and worked then with experts from the road equipment.

In particular, SARI research program led to detecting what experts call « Break on the route characteristics ». For example, a turn with a big curve may be a danger when it arrives behind a long straight line, while the same curve will not be dangerous bend on a mountain road.

NEXYAD published a paper at the conference on road safety May 6, 2010 in Paris: PRAC 2010
Risk Prevention and Save The Conduct, Session 1 Characterization of road risk vs. infrastructure
« Evaluation du risque routier pour l’aide à la conduite ou le diagnostic de l’infrastructure », Johann Brunet, Pierre Da Silva Dias, Gérard Yahiaoui, PRAC 2010, Mai 2010, Paris.

The work that led to this publication were integrated in the available product SafetyNex. This means that by construction, the risk estimated by SafetyNex is correlated to the accident. This is true by construction, and NEXYAD conducted tests on roads, downtown, on motorways in urban areas, etc … and was able to validate this result.

PRINCIPLE OF SafetyNex V2.1

SafetyNet is a knowledge based system (expert system) which applies rules of the experts of the equipment.
These rules are stored in a rules data base in a mathematical form that can adapt to gradual actual characteristics of the infrastructure.

Required inputs are :
. the navigation map and the GPS: To examine the shape and type of the infrastructure located downstream of the vehicle (turns with their radius of curvature, points of interest like pedestrian crossing, crossroads, etc …)
. the instantaneous vehicle speed

From these two inputs, SafetyNex evaluates, by applying the rules, the adequacy of the driving speed of the vehicle to difficulty and danger of infrastructure.

A sporty driver accelerating hard, braking hard, but passing dangerous places at low speed will be scored with a low risk.
A quiet driver that passes through a stop road sing at 30 km / h without braking will be scored with a high risk.
A brutal braking cannot be considered as « bad driving » if it is necessary to avoid an accident …

We see then, that SafetyNex risk estimation is not correlated with the absolute value of acceleration, but with ACTUAL speed adaptation to difficulty and danger of the infrastructure, in real time.

Additional inputs (optional) are already scheduled, and can afford to modulate the estimated risk to increase acuracy of SafetyNex :
. grip (if one has a sensor to connect to the input provided for the purpose of SafetyNex)
. weather report (if one has the temporal and spatial information)
. atmospheric visibility (if one has adequate measure: example: a camera and the measuring module of atmospheric visibility : VisiNex)
. distance to potential obstacles (if it has an adequate sensor : eg radar, lidar, or camera with RoadNex ObstaNex modules)
. a driver distraction factor (if the driver is observed with a camera and / or if one monitors the activity of mobile phone, etc …)

All these additional inputs are already ready to be used by SafetyNex but of course, they increase the cost of deployment, involving sensors (camera, …) and additional computing power before getting in SafetyNex to process signals and images from the optional sensors.

Using SafetyNex V2.1 with only the required inputs already allows a very high correlation of the estimated risk with the accident. We recommend to implement this version, already infinitely more effective than any other onboard measurements.
The interest of SafetyNex is that the future is already assured: Moore’s Law by rapidly lowering the cost of electronics and embedded computing, SafetyNex is ready to process the additional inputs, when users want to integrate cameras and sensors.

TYPICAL USES OF SafetyNet V2.1

. Insurance Companies:

– Pay how you drive
– Predictive modeling of bonus malus: the same accident under the same conditions does not lead to the same conclusions based on accumulated historical and recording the last seconds risk SafetyNex
– Generation of a dumb risk variable, correlated to the accident, to help actuaries refine pricing (big data)

. Fleet managers

. Automotive equipment suppliers:

– Alarm on risk
– Intelligent Navigation able to advise the driver

. Engineers and researchers from autonomous vehicle:

– Driving Quality Assessment generated by the robot

CONCLUSION

Embedded estimation of road risk of accident is now a problem completely solved by a product available for deployment, SafetyNex.
SafetyNex is deployable at Low cost on:
. mobile phones
. electronic device of a Automotive Tier 1 supplier (without plugging the OBD).

And SafetyNex already planned to integrate (once the cost is acceptable) grip sensors and cameras (for example) to estimate traffic and atmospheric visibility, as well as information such as weather and driver distraction.

All of these are already processed by SafetyNex rules based system, so that the tool can quickly evoluate with each decrease in the cost of sensor elements and cost of computing power needed to compute sensors outputs.

To deploy SafetyNex, contact NEXYAD: Olivier BENEL obenel@nexyad.net +33 1 39 04 13 60

Onboard road safety/risk Measurement correlated to accidents

Onboard road safety/risk Measurement correlated to accidents :
How to use SafetyNex V2.1 for Insurance applications, and for
Automotive applications (ADAS & autonomous vehicle)

by NEXYAD

INTRODUCTION: Description of 2.1 SafetyNex

SafetyNex is a software module proposed by the French company NEXYAD. This module aims to match the driving style (acceleration, vehicle speed) with the danger characteristics of infrastructure.

SafetyNex development started in 2001 and benefited from three national collaborative research programs (PREDIT and FUI) that allowed NEXYAD modeling expertise of road equipment notation accident-prone infrastructure.

Indeed, the accident-prone nature of a local infrastructure, cannot be deduced from statistical studies on this local element, for the simple reason that accidents are rare events.A driver has one accident every 70 000 km.

To investigate the accident, the experts of the equipment mainly use two methods:
. aggregated statistics at national and European level : it provides large numbers of accidents and thus make statistics relevant. But heterogeneous infrastructure through Europe makes it difficult to project results on a local infrastructure that has its own characteristics, sometimes far from the average characteristic in France or Europe.
. the observation of « near misses » or « almost accident » as they are numerous : most potential accidents can be nearly avoided by drivers. Experts of infrastructure developed observatories for those danger situations and it brings useful information.

From these elements, the experts of the infrastructure have published a set of rules for predicting accidents, based on characteristics, the accident-prone characters of a piece of infrastructure.
For example, a bend may be accident-prone if its radius greatly shortens in its middle (curve which closes), but a « normal » curve may become dangerous if it comes after a long distance of straight line (this is called « break out on the pathway « ).

NEXYAD integrated all these rules in SafetyNex and has made numerous tests on real world to validate the efficiency of scoring danger.

SafetyNex V2.1 reads on-board navigation map that gives infrastructure characteristics , downstream of the vehicle, and then SafetyNex scores the relevancy of the driving style, knowing the shape of the road ahead and other important things (pedestrian pathway, …).

Note: in a higher version (already being tested), SafetyNex may also reflect the presence of other users on the road (cars, trucks, bicycles, motorcycles, pedestrians …) by coupling it to RoadNex (road detection by camera), and ObstaNex (obstacles detection by camera).
But this version will require to have appropriate computing power to process videos. The Moore law lets us think i twill be easy and cheap in 2 or 3 years.
For now, we think that adaptation of the driving type with infrastructure characteristics meets a real issue and SafetyNex V2.1 is the only available (and for sale) module in the world for performing this function.

The output computed by SafetyNex is the road safety risk, between 0 and 100%, at every moment.

It is possible to use SafetyNex in real time to alert the driver.
It also may be used off-line, aggregating the risk : SafetyNex used to complete big data with revelant variables to study the road safety risk, in a statistical way.

SafetyNex is available in three types of running environments:
. PC under Windows or Linux
. Electronic device of an Automotive Tier One Company, for the new vehicles and aftermarket
. smartphones

SafetyNex V2.1 FOR USE OF INSURANCE

Insurance Companies have several ways to use SafetyNex V2.1:

. free distribution of the SafetyNex App for smartphones to all their customers :
In this case, the business model is to seek partners who want to reduce their cost of acquiring customers online.
In fact, when you divide the advertising budget of a major retailer (Amazon, Fnac, Darty, …) by the number of purchases, there are about 30 euros (cost of a customer).
The idea of NEXYAD then is to propose a serious game that « gives » points to drivers who behave well.
These points are converted into « coupons » with one or more distributors. The drivers will go on the website in order to validate coupons by purchasing products. In doing so (spotted digitally with flash code …), the distributor will give back 15 euros : 7,5 euros for the cupons, and 7,5 euros for the Insurance Company that distributed the NEXYAD App to their millions of customers. The insurer therefore makes money and share revenue with NEXYAD and its technology partners.

This solution is particularly interesting for several reasons:
. the insurance company earns money directly on millions of purchases.
. drivers do their best to earn coupons, and therefore change their driving behavior to achieve it.
The insurer therefore modifies in a sustainable way the driving style, and contributes to the decline in the number of accidents. The Communications Department of the the Insurance company may use this fact for communicating it to the public.
. the largest distributors lower their customers acquisition costs and they can then lower their advertising budget
. the driver improves self safety, and is able to purchase more.
. distribution in an electronic device :
The electronic device has the advantage of being still operational without driver intervention.
This solution is particularly interesting for business fleets, and allows to quickly and efficiently initiate a type of pricing system « pay how you drive » that may be seen as an extension of the bonus / malus system, but with a predictive power.
. constitution of big data for actuaries:
Risk can be recorded onboard, or in aggregate, giving statisticians a new variable for more accuracy on pricing.

SafetyNex V2.1 FOR USE IN ADAS AND AUTONOMOUS CAR APPLICATIONS

The road safety risk measurement is of course interesting for automotive applications :
. SafetyNex read the shape of infrastructure downstream of the vehicle (electronic horizon), and can therefore help to choose which types of sensors are relevant.
. SafetyNex can estimate the maximum distance targetable by sensors (radar, camera, …) depending on the shape of the infrastructure (turn, climb, …)
. During a delegation of driving, the robot drives the vehicle and then SafetyNex V2.1 can estimate the road safety related to the automatic driving.

The road safety score can be used in several ways:
. Off-line: the engineers who design and develop driving delegation system uses the risk score of SafetyNex V2.1 as a feedback, and try to minimize it by successive tests.
. On-line: the risk score is used by the decision-making system to generate actions that lead to the lowest possible risk.

CONCLUSION

SafetyNex V2.1 is now available and NEXYAD is currently working on deployment opportunities worldwide at the beginning of 2016.
This module is unique and has a direct effect, if properly used, on road safety.

For more information: sales@nexyad.net

DEMO WITH SOUND IN URBAN TRAFFIC

Put the sound on for this demo with vocal explanations :

– SafetyNex (September 21, 2012)

SafetyNex is an embedded system integrated in the latest generation of mobile telephones using Android. SafetyNex has a continual accident risk assessment function (severe corners, obstacles, poor visibility due to bad weather conditions etc.)

More information HERE (PDF – French)