System and method for a collaborative peer to peer marketplace
First Claim
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.
1 Assignment
0 Petitions
Accused Products
Abstract
The method, system, and computer-readable medium facilitates a peer to peer marketplace created and maintained by an insurance provider. The provider enables sharing of goods and services among policyholders. A listing including a listing category for a good or service to be offered in the peer to peer marketplace can be received. An insurance policy quote to cover a rental transaction of the good or service offered in the listing can be generated, and both the listing and quote can be stored in a data repository. Next, a search category can be received, and one or more listings can be determined to be pertinent based on the search category. The determined pertinent listings can be presented and the rental transaction can be received.
14 Citations
14 Claims
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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:
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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, and automatically 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. - View Dependent Claims (2, 3, 4, 5)
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6. A collaborative peer to peer market system, the system comprising:
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a back-end server; and a peer-to-peer (P2P) module implemented as software as a service (SaaS) and configured to execute on one or more processors, the P2P module configured to execute at least partially on the back-end server and at least partially on one or more smart phones, the P2P module including an application programming interface (API) portion configured to execute on the back-end server, and the P2P module further including a client portion configured to execute on the one or more smart phones, wherein the client portion is configured to access the back-end server via the API portion through a computer network, the P2P module configured to; receive, 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; generate 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; generate 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 household goods or services as the household good or service from the received listing, and automatically deducting the insurance policy from the rental cost of the listing; store the listing in the listing repository maintained by the insurance provider communicatively coupled to the P2P module on the back-end server; receive from the client portion of the P2P module from a second client device a search category; determine 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;present, via a user interface on the client portion of the P2P module on the second client device, the one or more determined pertinent listings; receive the rental transaction of one or more of the determined pertinent listings from the client portion of the P2P module on the second client device, 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 send a notification of the rental transaction including a payment to the client portion of the P2P module on the first client device. - View Dependent Claims (7, 8, 9, 10)
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11. A tangible computer-readable medium including non-transitory computer readable instructions stored thereon for creating and maintaining a collaborative peer to peer market place by an insurance provider, the instructions to:
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implement a peer-to-peer (P2P) module implemented as software as a service (SaaS) and configured to execute on one or more processors, the P2P module configured to execute 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 configured to execute on the back-end server, and the P2P module further including a client portion configured to execute on the one or more smart phones, wherein the client portion is configured to access the back-end server via the API portion through a computer network; receive, 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; generate, by executing instructions of the P2P module, 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 a 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; generate, by executing instructions of the P2P module, 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 household goods or services as the household good or service from the received listing, and automatically deducting the insurance policy from the rental cost of the listing; store the listing in the listing repository maintained by the insurance provider communicatively coupled to the P2P module on the back-end server; receive from the client portion of the P2P module from a second client device a search category; determine, by the P2P module, 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;present, via a user interface on the client portion of the P2P module on the second client device, the one or more determined pertinent listings; and receive the rental transaction of one or more of the determined pertinent listings from the client portion of the P2P module on the second client device, 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 send a notification of the rental transaction including a payment to the client portion of the P2P module on the first client device. - View Dependent Claims (12, 13, 14)
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Specification