Obtaining insurance information in response to optical input
First Claim
1. A method for responding to a request for insurance policy information comprising:
- automatically transmitting, from a vehicle telematics device installed in a vehicle and to an insurance system, vehicle operation information that characterizes operation of the vehicle, the vehicle operation information comprising a first date and a first time;
determining, based on an analysis of the vehicle operation information by the insurance system, that an incident involving the vehicle has occurred;
scanning, by a mobile device, a physical token affixed to the vehicle, wherein;
the scanning of the physical token causes the mobile device to transmit a message;
the physical token comprises a unique identifier associated with an insurance policy for the vehicle; and
the message comprises a second date, a second time, and the unique identifier;
receiving, by the insurance system, the message transmitted by the mobile device;
obtaining, by the insurance system using the unique identifier, insurance policy information associated with the insurance policy for the vehicle;
transmitting, by the insurance system to the mobile device, the obtained insurance policy information, wherein receipt of the insurance policy information at the mobile device causes the mobile device to display the insurance policy information;
determining, by the insurance system, that the mobile device optically scanned the physical token within a predetermined time period after the incident occurred by comparing the first date to the second date and comparing the first time to the second time; and
automatically creating, by the insurance system, an insurance claim for the incident based on the comparing.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are provided for retrieving insurance information of an insurance customer at a mobile device. An insurance information token may be affixed to a vehicle and scanned by an optical input device of the mobile device. The optical input device may thus obtain optical input corresponding to the insurance information token. The insurance information of the insurance customer may be retrieved based on the optical input and presented at a display device of the mobile device upon retrieval. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned. Telematics information may also be analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.
228 Citations
20 Claims
-
1. A method for responding to a request for insurance policy information comprising:
-
automatically transmitting, from a vehicle telematics device installed in a vehicle and to an insurance system, vehicle operation information that characterizes operation of the vehicle, the vehicle operation information comprising a first date and a first time; determining, based on an analysis of the vehicle operation information by the insurance system, that an incident involving the vehicle has occurred; scanning, by a mobile device, a physical token affixed to the vehicle, wherein; the scanning of the physical token causes the mobile device to transmit a message; the physical token comprises a unique identifier associated with an insurance policy for the vehicle; and the message comprises a second date, a second time, and the unique identifier; receiving, by the insurance system, the message transmitted by the mobile device; obtaining, by the insurance system using the unique identifier, insurance policy information associated with the insurance policy for the vehicle; transmitting, by the insurance system to the mobile device, the obtained insurance policy information, wherein receipt of the insurance policy information at the mobile device causes the mobile device to display the insurance policy information; determining, by the insurance system, that the mobile device optically scanned the physical token within a predetermined time period after the incident occurred by comparing the first date to the second date and comparing the first time to the second time; and automatically creating, by the insurance system, an insurance claim for the incident based on the comparing. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A system for responding to a request for insurance policy information comprising:
-
a physical token affixed to a vehicle, the physical token comprising a unique identifier, the unique identifier being associated with an insurance policy for the vehicle; a telematics device located in the vehicle, the telematics device comprising memory storing instructions that, when executed by a processor of the telematics device, cause the telematics device to; generate vehicle operation information during operation of the vehicle, the vehicle operation information characterizing the operation of the vehicle and comprising a first date and a first time, and automatically transmit the vehicle operation information to an insurance system; a mobile device operated by an individual associated with the vehicle, the mobile device comprising memory storing instructions that, when executed by a processor of the mobile device, cause the mobile device to; optically scan the physical token, automatically transmit, to the insurance system and based on the optical scanning of the physical token, a message indicating that the mobile device optically scanned the physical token, the message comprising a second date and a second time, and automatically display insurance policy information received from the insurance system; and wherein the insurance system that receives the vehicle operation information from the telematics device and the message from the mobile device comprises memory storing instructions that, when executed by a processor of the insurance system, cause the insurance system to; obtain the insurance policy information using the unique identifier such that the insurance policy information is associated with the insurance policy for the vehicle, transmit the insurance policy information to the mobile device, wherein receipt of the insurance policy information at the mobile device causes the mobile device to display the insurance policy information; determine, based on an analysis of the vehicle operation information, that an incident involving the vehicle has occurred, determine that the mobile device optically scanned the physical token within a predetermined time period after the incident occurred by comparing the first date to the second date and comparing the first time to the second time, and automatically create an insurance claim for the incident based on the comparing. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
-
Specification