– Come to meet Nexyad at CES 2018 in Las Vegas – January 8-12
– NEXYAD giving the award of the best Insurtech startup «prix coup de cœur des assureurs 2017»,
organized by Cercle LAB (Laboratoire Banque Assurance) at Allianz Tower in Paris La Défense
– Nexyad invited speaker at UNESCO Conference on Artificial Intelligence : use case of autonomous vehicle
– SafetyNex driving risk assessment (20 times per second while driving): anticipation of danger
– INTEMPORA and NEXYAD, members of MOVEO Groupement ADAS interviewed on BFM Business (Major French TV)
– Bitumen Free Space Detection by Nexyad RoadNex module in real time on a Smartphone
– Nexyad on Groupement ADAS booth at Equip’Auto 2017
– Validation of ADAS Nexyad Database with ground reality
– Individual driving risk assessment and car insurance : what applications ? what business models ?
– SafetyNex can bring Artificial Intelligence into Autopilots in respect of ASIL ISO 26262
– Welcome to YOGOKO, new member of “MOV’EO” Groupement ADAS cluster
Come to meet Nexyad at CES 2018 in Las Vegas (Jan 8-12)
Nexyad invite you to visit us at the Leddar Ecosystem Pavillion at East LVCC – Central Plaza (booth CP-23)
If you want to reserve a meeting slot, please contact us at nexyadCES2018@nexyad.net
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NEXYAD giving the award of the best Insurtech startup « prix coup de cœur des assureurs 2017», organized by Cercle LAB (Laboratoire Banque Assurance) at Allianz Tower in Paris La Défense
Gerard Yahiaoui at Cercle Lab
Last year Nexyad won the special prize « Coup de Cœur » by french insurers of Cercle Lab with SafetyNex the driving risk assessment App in real time. For this, Gerard Yahiaoui CEO of Nexyad handed the 2017 new prize to the winner KAP-Code represented by Adel Mebarki. Kap-Code is dedicated to improve the care of chronic diseases and the detection of drug safety signals on social networks thruth 3 solutions : helping patients and health advisors with connected objects, Digital Health that allows profesionals to provide care for their patients and harnessing Big Data for science.
Adel Mebarki, head of innovation of Kap-Code
* * * * *
Nexyad invited speaker at UNESCO Conference on Artificial Intelligence : use case of autonomous vehicle
Nexyad CEO Gérard Yahiaoui A.I. expert was invited to speak (invited paper) in a conference in Paris on Artificial Intelligence (JNI/IESF, Under the patronage of UNESCO, 2017 Oc 19). He talked about Artificial Intelligence for Autonomous Vehicle : « Intelligence Artificielle pour le Véhicule Autonome, et exemple de réalisation : SafetyNex ». Very interesting papers during this day showing a broad range of AI applications (automotive, fashion, HR management, Legal, …). More than 400 people in the audience.
Gerard Yahiaoui explaning difference between A.I. and complex automation for autonomous driving
* * * * *
SafetyNex driving risk assessment (20 times per second while driving): anticipation of danger
SafetyNex estimates driving risk 20 times per second, during driving (real time).
On the following figure, you can see risk rising when approaching a stop sign with an inappropriate car speed :
Speed of the car is quite high before the STOP sign and Risk goes to the maximum with a vocal alarm to the driver which have time to slow down or brake to stop.
This estimation is computed INSIDE the local device (inside the car). Current implementation is on smartphones (IOS and Android), then computing of risk is completely done INSIDE the smartphone : that makes SafetyNex compliant with all driver’s privacy regulations and laws in Europe.
INTEMPORA and NEXYAD, members of MOVEO Groupement ADAS on BFM Business (Major French TV)
1st Nov 2017, the Tech & Co tv show on the subject : will self-driving car come sooner than expected ?
Nicolas du Lac & Gerard Yahiaoui
Nicolas du LAC, INTEMPORA, and Gerard YAHIAOUI, NEXYAD, presented their innovations and explained how the MOVEO Groupement ADAS helps to be stronger for their innovative startups.
Nicolas talked about RT-MAPS that is a software tool for R&D, making easy the task of developing applications with multiple sensors (cameras, lidar, radar, …) that of course are not synchronized and that must collaborate through algorithms of sensor fusion in order to get good objects detection and recognition.
Gerard talked about SafetyNex that is an onboard real time module that is the only module in the world that can estimate driving risk 20 times per second. Self-driving car can then know the risk it takes with and it simplifies the development of autopilot (example : « if risk too high then slow down »).
* * * * *
Bitumen Free Space Detection by Nexyad RoadNex on Smartphone
RoadNex detects free space on road with negative detection of obstacles as vehicle on the video below.
* * * * *
Nexyad present with Groupement ADAS at Equip’Auto 2017
Philippe Orvain, CEO of Nomadic Solutions
Nexyad was present with Groupement ADAS at Equip’Auto Congress in Paris. Groupement ADAS is a SME’s cluster : 10 companies with expertise in the field of Advanced Driver Assistance Systems, Connected car and Autonomous vehicle. Philippe Orvain CEO of Nomadic Solutions and competitiveness cluster MOV’EO Vice President has responsed to journalist Laurent Meillaud on Congress TV channel.
Watch Philippe Orvain interview on the congress channel with SafetyNex video demo :
* * * * *
Validation of ADAS Nexyad Database with ground reality
Free space ground reality (for RoadNex) and obstacles ground reality (for ObstaNex)
The NEXYAD company is currently developing the construction of a database for the validation of systems of driver assistance and driving delegation, (ADAS and Autonomous car) using the AGENDA methodology published in the 1990s by Gérard Yahiaoui in the field of machine learning and artificial neural networks applications. Here is an example of ground reality : ground reality is needed in order to automate performance / KPIs measurement when you modify the perception system.(methodology initially intended to handle, among other things, the construction of learning databases and tests for the implementation of neural networks).
This database has two essential characteristics:
1) Real-life situations
Indeed, the AGENDA methodology recommends describing the possible variations of signals and input images as factors of variability and their crosses.
Example, for obstacle detection:
. weather (dry weather, sunny weather, rain, fog) . overall brightness (low, medium, high)
. vehicle speed (low, moderate, high)
. type of road (motorway, road with marking, road without marking, …)
. coating (bitumen 1, bitumen 2, …, pavers)
. day / night (car headlights and infrastructure lighting)
. season (spring, summer, autumn, winter)
. etc.
NEXYAD’s ambition is to propagate its methodological expertise and to enable everyone to evaluate the performance of vision systems for ADAS, be they systems developed by NEXYAD or others.
Individual driving risk assessment and car insurance : what applications ? what business models ?
As many people know now, NEXYAD has been developing the first real time driving risk assessment system called SafetyNex.
SafetyNex is currently available in B2B :
. as a smartphone App (Android and IOS)
. as a real time driving risk assessment API that OEMs and Insurers may integrate into their own smartphone App or into their own telematics or ADAS device (Android, iOS, Linux, Windows).
This real time driving risk assessment module has been validated on 50 million km, and applies proven methods for risk assessment, using, for instance, the Frank E. BIRD « safety triangle » concept, and running in real time a knowledge-based system AI that has been built by NEXYAD since 2001. It took 15 years to extract thousands of road safety knowledge atoms from experts of 19 countries. Some of this knowledge is directly operational, some is deep knowledge on detection theory (a mix of Information Theory and Knowledge on Human Brain abilities). And of course, SafetyNex also applies fundamental knowledge on mechanics (braking abilities, …) including complex issues such as grip for example.
Complex Automation MUST be ASIL ISO 26262.
Artificial Intelligence CANNOT BE ASIL ISO 26262 (by definition) and acts only on parameters of Complex Automation doing ++/– – variations, never skipping « reflexes actions » (emergency braking, etc), but allowing anticipation speed adaptation to reduce frequency of emergency situations (and then give more margin to reflexes actions and also improve comfort). Maximum acceptable Driving Risk can be changed depending on driving situation in order to set « aggressivity level» of HAV.
* * * * *
Welcome to YOGOKO, new member of « MOV’EO » Groupement ADAS cluster
In november, cluster Groupement ADAS, from Mobility and Automotive R&D competitiveness national cluster Mov’eo, welcomed YOGOKO as new member. It makes eleven players like a football team, and we hope to score goals in the Automotive market competition.
YoGoKo is a startup company founded in 2014 by employees from three research institutes : Mines ParisTech, Telecom Bretagne and Inria. YoGoKo makes use of software developed in teams specialized in Internet technologies (RSM at Telecom Bretagne) and robotics (CAOR at Mines ParisTech and RITS at Inria). These research teams have been working together since 2006 on innovative communication solutions applied to Intelligent Transportation Systems. They contributed to several collaborative R&D projects related to ITS (CVIS, ITSSv6, GeoNet, DriveC2X, SCORE@F, …).
In 2012, these laboratories engaged together into the development of a common demonstration platform which comprises connected vehicles (fleet of conventional vehicles from Mines ParisTech and fleet of autonomous vehicles from Inria), roadside equipments and cloud-based services.
YoGoKo demonstration platform was finally revealed on Feb. 11 th 2014 during the Mobilité 2.0 event organized by the French Ministry of Transport. This successful demonstation and the extremely warmfull feedack gained at this occasion triggered the launch of YoGoKo as a company.
SafetyNex estimates driving risk 20 times per second, during driving (real time).
On the following figure, you can see risk rising when approaching a stop sign with an inappropriate car speed :
Speed of the car is quite high before the STOP sign and Risk goes to the maximum with a vocal alarm to the driver which have time to slow down or brake to stop.
Now with a slower speed profile :
Speed of the car is lesser here but still too high approaching the STOP sign, there is a vocal alarm again but for lesser time.
And finally the « good » safe speed profile :
There is a good anticipation here before the STOP sign, speed is adequate and risk is very low, then null.
This estimation is computed INSIDE the local device (inside the car). Current implementation is on smartphones (IOS and Android), then computing of risk is completely done INSIDE the smartphone : that makes SafetyNex compliant with all driver’s privacu regulations and laws in Europe.
Applications :
. insurance and fleets : vocal alert when risk is too high. As you can see, it lets time to slow down and avoid potential accident. This leads to a reduction of accident rate and a reduction of personal injuries. Of course, risk values can be recorded to do stats (risk profiles) for UBI (Usage Based Insurance) applications.
. Automotive : same application is navigation with risk alerts. But with a robotized braking system (ADAS), it is possible to trigger braking with risk value. In such a case, it is not emergency braking but rather anticipation braking.
In addition, it is possible, in the case of HAD (highly Automated Driving) car, to control speed (longitudinal part of auto pilot) very easily : « if risk too high, then slow down », « if risk is low, then accelerate until risk becomes the max value you accept or until you’re at the speed limit ». You write your autopilot with very few lines of code !
As many people know now, NEXYAD has been developing the first real time driving risk assessment system called SafetyNex.
SafetyNex is currently available in B2B :
. as a smartphone App (Android and IOS)
. as a real time driving risk assessment API that OEMs and Insurers may integrate into their own smartphone App or into their own telematics or ADAS device (Android, iOS, Linux, Windows).
This real time driving risk assessment module has been validated on 50 million km, and applies proven methods for risk assessment, using, for instance, the Frank E. BIRD « safety triangle » concept, and running in real time a knowledge-based system AI that has been built by NEXYAD since 2001. It took 15 years to extract thousands of road safety knowledge atoms from experts of 19 countries. Some of this knowledge is directly operational, some is deep knowledge on detection theory (a mix of Information Theory and Knowledge on Human Brain abilities). And of course, SafetyNex also applies fundamental knowledge on mechanics (braking abilities, …) including complex issues such as grip for example.
A tough work was to be made in order to build such a knowledge-based system that could cope with « gradual truth » and could run a complex knowledge-based model in real time. Implementation uses fuzzy sets both for facts and knowledge representation, and competition between knowledge atoms uses deep Possibility Theory concepts. Of course, SafetyNex deals with dynamic problems (road accident, with distances, speed, …) and had to find a proper representation of TIME. NEXYAD was not very quick to develop all those solutions and to integrate them into a product called SafetyNex : SafetyNex is proposed for sale since Jan 2017 (first R&D on SafetyNex : 2001). But the result is efficient : you can run SafetyNex on your smartphone while driving your car and see how it helps you to drive much safer without alerting for nothing.
This unique technology places now NEXYAD in the center of the worldwide telematics/adas/data collecting race for car insurers.
So let’s see what are the main applications of SafetyNex for car insurers :
. PREVENTION : SafetyNex alerts (vocal alert) driver BEFORE a dangerous situation, letting time to slow down and avoid accident. It is the best prevention tool ever : studies showed that 20% of accident can be avoided (then also 20% of personal injuries and fatalities !!!). SafetyNex is the ONLY tool that runs in real time inside the smartphone or inside the telematics/adas devices and then is the ONLY module that can alert driver (all the other systems apply scoring methods on the cloud …). This is a major differenciation for SafetyNex : avoid accident ! Observation of drivers using SafetyNex showed that they change their way of driving in order to mimnimize the number of alerts, then they change their driving behaviour in the long term.
. COMMUNICATION : SafetyNex gives driver a score of Safe Driving after every trip. This is a positive way of presenting risk and driver appreciate being given a gold cup for his/her high safe driving score. You can imagine many ways to communicate for car insurers. Example : every year, sort all drivers (customers) of a country, find the best (highest SafetyNex safe driving score) and give a huge incentive (offer a brand new car, for instance). Such an incentive tranforms the car insurer’s customers set into a community that tries to drive better, and you can build of course a social network for experience share and local challenges … etc. This is a simple and very concrete use of digital technology both for getting better profits and for saving lives. Marketing executives call this ‘the Nudge Theory ». SafetyNex is a natural candidate for applying this Nudge Theory.
. KNOWLEDGE : car insurers only know about risk by accident observation. Although the theory of Frank E. BIRD (safety triangle) shows that the proper variable to observe would be what is called « near miss » or « quasi accident ». SafetyNex alerts every time that driver’s behaviour leads to a quasi accident situation. Then car insurers can use SafetyNex to build this new knowledge and sort and cross all their variables with this new notion. Actuaries will quickly find clever ways to use those new sets of data and you will be surprised to see how productive data scientists can be when they have a direct access to new qualified huge set of data.
. USAGE BASED INSURANCE : Of course, SafetyNex is THE perfect tool for UBI. At the end of every trip, SafetyNex sends data (statistics) : usage (urban, road, highway, time, duration, km, postal code, etc …) and risk (risk profiles). Then it is very easy to propose Usage Based princings (‘as you drive » or « how you drive » etc).
It is important to notice that real time abilities of SafetyNex also simplify business models :
. Anyway car insurer does effective prevention with SafetyNex : it is only needed to avoid few personal injuries and fatalities to « pay » the deployment of SafetyNex. That’s the key of SafetyNex deployment : SafetyNex alerts driver WHILE DRIVING and BEFORE danger, then many accident are avoided … then many personal injuries are avoided. If you know the price of a personal injury in you car insurance, then you see that SafetyNex price was made in order to let you get a fair ROI on this issue.
. Communication (incentive) is then already paid by the number of avoided personal injuries !
. and in addition, car insurer gets qualified data : for knowledge acquisition and UBI opportunities study.
As a conclusion, we can remember main facts :
. SafetyNex real time abilities make it VERY DIFFERENT from any other risk assessment solutions (using stats and data science in the cloud) because then SafetyNex ACTS on driving behaviour BEFORE accident and then lets avoid many accidents.
. Prevention effect of SafetyNex finances it deployment cost.
. Knowledge extraction and UBI opportunities business models can be done without stress as SafetyNex already gives a fair ROI to car indurer.
Some OEMs and insurers already started to integrate SafetyNex API into their smartphone App or into their telematics/adas device.
It is now time to move forward to the 21st century with digital insurance.
DEPLOIEMENT DE SafetyNex DANS LE CADRE DE L’OBLIGATION DE DEPENSE
EN ACTIONS DE PREVENTION ROUTIERE CHEZ LES ASSUREURS AUTOMOBILE
Par NEXYAD
I – CONTEXTE
Depuis 1996, les assureurs français se sont engagés auprès de l’Etat à mener des actions de prévention routière. Ils doivent consacrer ainsi chaque année à ce type d’action de prévention 0,5% du montant des cotisations de responsabilité civile automobile perçues.
Traditionnellement, les actions menées sont des opérations de sensibilisation dans les écoles, conseils pratiques en vidéo, pistes de conduite avec moniteur, simulateurs de conduite, voiture tonneau, etc… Ces actions doivent avoir un effet à long terme sur la réduction du nombre d’accidents de la route. Récemment, les applications smartphone sont aussi utilisées, toujours en opération de sensibilisation.
C’est dans le cadre de cette entrée du numérique, dans l’action obligatoire de prévention, que SafetyNex représente une avancée très intéressante pour les assureurs automobile. En effet, SafetyNex évite les dangers liés à une vitesse inadaptée aux difficultés de l’infrastructure, ce qui correspond à 75% des accidents de la route. SafetyNex est actuellement le seul système permettant de prévenir en temps réel et de façon prédictive le conducteur afin qu’il ralentisse pour éviter l’accident. SafetyNex répond ainsi aux critères des actions de prévention à mettre en œuvre, si bien qu’il est possible pour un assureur de déployer massivement SafetyNex sans aucune dépense supplémentaire. C’est une opportunité unique de réaliser une action de prévention efficace, tout en préparant la transition digitale du métier d’assurance.
Déploiement de l’App d’estimation temps réel du risque de conduite SafetyNex (télématique embarquée sur smartphone) par une Compagnie d’Assurance :
évaluation du retour sur investissement (ROI)
par NEXYAD
Octobre 2016
INTRODUCTION
Les Compagnies d’Assurance automobile Européennes et Américaines sont toutes actuellement en train de tester des systèmes de télématique, soit sur boîtiers, soit sur smartphones, afin d’étudier les possibilités apportées par le digital dans l’évolution de leur métier et de leurs modèles d’affaires. La digitalisation de l’économie n’épargne en effet pas le secteur de l’assurance qui voit arriver de nouveaux interlocuteurs comme les GAFAMs susceptibles de capter la valeur.
L’idée principale qui se dégage des essais est qu’il serait possible d’ajuster au mieux, sur-mesure en quelques sortes, les tarifs d’assurances en fonction du conducteur, et ce, en utilisant des systèmes de mesure et de scoring dans le cloud susceptibles de mesurer les usages et d’estimer des indicateurs corrélés au risque.
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