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System and method for a collaborative peer to peer marketplace

  • US 10,467,702 B1
  • Filed: 12/12/2014
  • Issued: 11/05/2019
  • Est. Priority Date: 12/24/2013
  • Status: Active Grant
First Claim
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1. A computer-implemented method for creating and maintaining a collaborative peer to peer marketplace by an insurance provider, the method comprising:

  • implementing a peer-to-peer (P2P) policy module as software as a service (SaaS) on one or more processors, the P2P module implemented at least partially on a back-end server and at least partially on one or more smart phones, the P2P module including an application programming interface (API) portion executing on the back-end server, and the P2P module further including a client portion executing on the one or more smart phones, wherein the client portion accesses the back-end server via the API portion through a computer network;

    receiving, via a computer network from the client portion of the P2P module from a first client device, media in the form of a photo, a video or an audio file;

    generating, by executing instructions of the P2P module via the one or more processors of the back-end server, a listing for a household good or service to be offered for rent in the peer to peer marketplace based on information extracted from the received media and other data, wherein the household good or service does not include a vehicle or a dwelling, wherein the listing includes a rental cost, a category, a length of rental including dates of availability, and one or more of (i) a name of the household good or service for rent, (ii) a description of the household good or service for rent, (iii) media related to the household good or service for rent, (iv) a location of the household good or service for rent, or (v) a subcategory, and wherein the listing category can be one of an exchange or a skill share;

    generating, by executing instructions of the P2P module via the one or more processors of the back-end server, an insurance policy quote for an insurance policy to cover a rental transaction of the household good or service offered in the listing, wherein generating the insurance policy quote includes;

    analyzing data related to the household good or service offered in the listing,comparing the received listing to one or more similar listings in a listing repository maintained by the insurance provider, wherein the one or more similar listings are for similar same household goods or services as the household good or service from the received listing, andautomatically deducting the insurance policy from the rental cost of the listing;

    storing, in a database communicatively coupled to the P2P module of the back-end server, the listing in the listing repository maintained by the insurance provider;

    receiving, via a computer network from the client portion of the P2P module from a second client device, a search category;

    determining, by the P2P module via the one or more processors of the back-end server, one or more listings in the listing repository are pertinent by;

    (i) comparing a location of the second client device to the location of the household good or service for rent of each of the one more listings, and (ii) comparing the category of each listing to the received search category;

    presenting, via a user interface on the client portion of the P2P module on the second client device, the one or more determined pertinent listings;

    receiving, via the user interface on the client portion of the P2P module from the second client device, the rental transaction of one or more of the determined pertinent listings, wherein receiving the rental transaction includes receiving a payment of the rental cost which includes the cost of the insurance policy to cover the rental transaction, wherein the insurance policy of the rental transaction is provided by the insurance provider; and

    automatically sending a notification of the rental transaction including a payment to the client portion of the P2P module on the first client device.

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