KeyTurn Software Suite
The intelligent backbone enabling per-second MicroLiability
From driver interface to insurer administration
Software Overview:
The Two-Part System
KeyTurn's software offering is a sophisticated two-part system designed to serve both the end-user driver and the insurer partner. This integrated suite ensures seamless policy management, real-time data processing, and robust program administration, forming the digital core of our MicroLiability solution.
Driver's Mobile Application
The mobile app provides the end-user with intuitive control over their MicroLiability insurance. It guides them through account setup, device pairing, and offers a clear interface for real-time insurance status, usage tracking, and estimated charges. It's the driver's direct window into their per-second policy.
Insurer's Cloud Platform
The cloud platform offers authorized insurer staff a comprehensive dashboard for administering and monitoring the MicroLiability program. It provides real-time views, historical reports, automates premium calculations based on usage, and handles all billing and payment processes. It's the operational hub for insurer partners.
KeyTurn Mobile Application: The Driver's Digital Policy
Designed for clarity and ease of use, the KeyTurn mobile application (iOS/Android) puts policy control directly into the driver's hands. It's the primary interface for managing their per-second MicroLiability coverage, providing transparency and instant access to critical information.
Intuitive UI/UX & Account Management
Advanced Driver Features
KeyTurn Cloud Platform: Insurer's Operational Hub
The KeyTurn Cloud Platform is the robust, scalable, and secure backend infrastructure that empowers insurer partners to administer and monitor the MicroLiability program. It serves as the central intelligence, automating complex processes and providing real-time oversight.
Comprehensive Administration Dashboard
Scalable & Secure Backend Architecture
Software Interaction:
The Ecosystem in Motion
The power of KeyTurn lies in the seamless, real-time interaction between its hardware and software components. This synchronized ecosystem ensures accurate data flow, dynamic policy adjustments, and transparent communication across all stakeholders.
From Device to Dashboard: A Unified Flow
OBD-II Device: Captures ignition ON/OFF and telematics data.
Secure Cellular Transmission: Encrypted data stream to Cloud.
Cloud Platform: Ingests, validates, processes data; calculates premiums.
Real-time Rating Engine: Applies actuarial rules for per-second billing.
Billing & Policy Mgmt: Updates records, generates invoices, manages policy state.
Mobile App Sync: Driver sees real-time status, usage, and costs.
Insurer Dashboard/APIs: Insurer monitors program, accesses data for operations.
This diagram illustrates the continuous data exchange and processing that underpins KeyTurn's per-second MicroLiability, highlighting the roles of each software component.
Performance & Scalability: Engineered for Growth
KeyTurn's software architecture is built from the ground up to handle the demands of millions of concurrent users and billions of data points. Our cloud-native design ensures high availability, low latency, and cost-effective scaling to meet future market expansion.
High-Throughput Transaction Processing
Our platform is optimized for high-throughput, low-latency transaction processing. Each ignition ON/OFF event triggers a series of micro-transactions that are processed in sub-second timeframes. This ensures that policy status is updated almost instantaneously, and billing is accurate down to the second, even under peak load conditions. The use of asynchronous processing and message queuing prevents bottlenecks and ensures data integrity across the distributed system.
Elastic Scalability & Reliability
Leveraging leading cloud providers (e.g., AWS, GCP), KeyTurn's infrastructure benefits from elastic scalability. Resources are automatically provisioned and de-provisioned based on real-time demand, ensuring optimal performance without over-provisioning costs. Our microservices architecture, coupled with containerization and serverless functions, provides inherent fault tolerance and resilience. Individual service failures do not impact the entire system, and automated recovery mechanisms ensure continuous operation, meeting stringent uptime requirements for financial services.
Data Intelligence:
Powering Actuarial Innovation
Beyond real-time operations, KeyTurn's software captures and processes a rich stream of granular usage data. This data forms a powerful foundation for advanced analytics, enabling insurers to gain deeper insights and drive actuarial innovation.
Advanced Analytics &
AI/ML Readiness
Our cloud platform integrates with advanced data warehousing and analytical tools (e.g., BigQuery, Databricks). This enables insurers to perform sophisticated actuarial analysis on the collected data, identifying new correlations and risk factors. The clean, structured data also provides an ideal foundation for future AI/ML applications, such as predictive modeling for claims, personalized pricing algorithms, and enhanced fraud detection. This capability transforms raw usage data into actionable business intelligence.
Granular Usage
Data Collection
The KeyTurn system collects anonymized, aggregated data on ignition events, driving duration, time of day, day of week, and general location context (e.g., urban/rural zones). This granular dataset provides a far more precise understanding of actual driving exposure compared to traditional demographic proxies. It allows for detailed segmentation of driver behavior and risk profiles that were previously unattainable.