Wireless Device to Enable Data Collection for Insurance Rating Purposes
First Claim
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1. A computerized method for automatically collecting and storing insurance risk related data, the method comprising:
- receiving, at a processor of a mobile computing device, an indication that the mobile computing device is proximate a wireless transceiver device;
receiving, at the processor of the mobile computing device, data representative of an identification of the wireless transceiver device;
automatically storing, by the processor, insurance risk related data in a memory coupled to the processor in the mobile computing device in response to receiving the indication that the wireless transceiver device is proximate the mobile computing device and receiving the data representative of the identification of the wireless transceiver device;
receiving, at the processor of the mobile computing device, an indication that the mobile computing device is no longer proximate the wireless transceiver device; and
causing the processor to automatically cease storing insurance risk related data in the memory in response to receiving the indication that the mobile computing device is no longer proximate the wireless transceiver device.
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Abstract
The devices, methods, systems and computer-readable mediums of the present disclosure provide automatic data collection for insurance rating purposes. In particular, a battery powered Bluetooth device may be attached to a personal item of an insured individual. The Bluetooth device may automatically trigger a mobile telephone to begin storing data related to use of the personal item when the mobile telephone is proximate the Bluetooth device. The mobile telephone may periodically transmit the stored data to a remote server.
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Citations
20 Claims
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1. A computerized method for automatically collecting and storing insurance risk related data, the method comprising:
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receiving, at a processor of a mobile computing device, an indication that the mobile computing device is proximate a wireless transceiver device; receiving, at the processor of the mobile computing device, data representative of an identification of the wireless transceiver device; automatically storing, by the processor, insurance risk related data in a memory coupled to the processor in the mobile computing device in response to receiving the indication that the wireless transceiver device is proximate the mobile computing device and receiving the data representative of the identification of the wireless transceiver device; receiving, at the processor of the mobile computing device, an indication that the mobile computing device is no longer proximate the wireless transceiver device; and causing the processor to automatically cease storing insurance risk related data in the memory in response to receiving the indication that the mobile computing device is no longer proximate the wireless transceiver device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for automatically collecting and storing insurance risk related data, the system comprising:
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a wireless transceiver device configured to provide an indication that a mobile computing device insurance application is proximate the wireless transceiver device and to provide data representative of an identification of the wireless transceiver device; a wireless transceiver device and mobile computing device synchronization module stored on a computer-readable medium that, when executed by a processor, causes the processor to receive the indication that the wireless transceiver is proximate the mobile computing device insurance application and receives the data representative of the identification of the wireless transceiver device and provides an indication that the wireless transceiver device is proximate the mobile computing device insurance application; and an insurance risk related data logging module stored on a computer-readable medium that, when executed by a processor, causes the processor to automatically receive insurance risk related data via the wireless transceiver device and to store the insurance risk related data on a memory in response to receiving the indication that the wireless transceiver device is proximate the mobile computing device insurance application. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computer-readable storage medium comprising non-transitory computer-readable instructions stored thereon and to be executed on a processor of a system for automatically collecting and storing insurance risk related data, the stored instructions comprising:
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a wireless transceiver device and mobile computing device synchronization module that, when executed by a processor, causes the processor to receive an indication that a wireless transceiver is proximate a mobile computing device and receive data representative of an identification of the wireless transceiver device and provide an indication that the wireless transceiver device is proximate with the mobile computing device; and an insurance data logging module that, when executed by a processor, causes the processor to automatically receive insurance risk related data via the wireless transceiver device and store the insurance risk related data on a memory in response to receiving the indication that the wireless transceiver device is proximate the mobile computing device. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification