Method of verifying insurance on registered vehicles
First Claim
1. A computer implemented method of operation for determining the presence or absence of insurance on a registered vehicle comprising the steps of:
- a. encoding first input data into vehicle records indicative of registered vehicles;
b. storing said vehicle records into a vehicle database;
c. selecting at least one portion of each vehicle record for use as an index key;
d. encoding second input data into insurance records indicative of insurace in force on vehicles;
e. storing said insuracne records into an insurance database;
f. selecting at least one portion of each insurance record for use as an index key corresponding to said selected index key in said vehicle record;
g. selecting said index key from a selected vehicle record in said vehicle database;
h. matching said index key of said selected vehicle record in said vehicle database with said corresponding index key in each insurance record in said insurance database;
i. copying from said vehicle database said selected vehicle record into a third database if no index key match is found in step h;
j. repeating steps g-i for all vehicle records in said vehicle database;
k. displaying said records in said third database, said records indicative of selected vehicle records having no corresponding record in said insurance database for said selected index key.
1 Assignment
0 Petitions
Accused Products
Abstract
A method for determining the presence and/or absence of automobile insurance on State registered vehicles utilizes registered vehicle records and insurance record databases as provided by the State and private sectors. The records contain information indicating the presence of insurance on particular vehicles. A computer controlled by a computer software program compares preselected data fields in each vehicle record with corresponding data in the insurance records. Similar data field comparison(s) is (are) made between the records of the insurance database and the vehicle database. Records lacking matching data are moved to an exceptions database for further verification and handling. Vehicle records not having a matching insurance record are checked on a weekly basis to determine if a corresponding insurance record has been entered subsequently into the insurance database. Vehicle records lacking insurance records are indicative of no vehicle insurance and are delivered to authorities for further actions. Various cross checks of other data fields between the records may be utilized to check the accuracy of the recorded data entered therein.
131 Citations
19 Claims
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1. A computer implemented method of operation for determining the presence or absence of insurance on a registered vehicle comprising the steps of:
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a. encoding first input data into vehicle records indicative of registered vehicles; b. storing said vehicle records into a vehicle database; c. selecting at least one portion of each vehicle record for use as an index key; d. encoding second input data into insurance records indicative of insurace in force on vehicles; e. storing said insuracne records into an insurance database; f. selecting at least one portion of each insurance record for use as an index key corresponding to said selected index key in said vehicle record; g. selecting said index key from a selected vehicle record in said vehicle database; h. matching said index key of said selected vehicle record in said vehicle database with said corresponding index key in each insurance record in said insurance database; i. copying from said vehicle database said selected vehicle record into a third database if no index key match is found in step h; j. repeating steps g-i for all vehicle records in said vehicle database; k. displaying said records in said third database, said records indicative of selected vehicle records having no corresponding record in said insurance database for said selected index key. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method for determining the existence of insurance coverage on a particular vehicle comprising the steps of:
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a. providing a database of data records corresponding to vehicles registered with a particular State; b. providing a second database of data records of all insurance policies written within the State for vehicles; c. selecting a data field from a desired vehicle record in said State database; d. comparing said data field to a corresponding data field in each record in said insurance database; e. copying said recording from said State database into a third database if no comparable insurance database record is found with said compared data field therein; f. performing steps c-e for each vehicle record in said State database; g. selecting a data field from a desired insurance record in said insurance database, said data field corresponding to the selected data field in step c; h. comparing said data field to a corresponding data field in each vehicle record in said vehicle database; i. copying said record from said insurance database into said third database if no comparable State database record is found with said compared data field therein; j. performing steps g-i for each record in said insurance database; k. matching vehicle records in said third database from said State database with a corresponding insurance record in said third database; l. moving said matched vehicle and insurance records to a fourth database; m. flagging the remaining vehicle records in said third database to indicate said vehicle record has been previously found to have no matching record in the insurance database; n. updating the second database with subsequent insurance records indicative of insurance policies in existence within the State for vehicles; o. subsequently comparing said selected data field in each flagged vehicle record to said updated insurance database records; p. moving the vehicle records of step o having no matching record in the insurance database to an uninsured vehicle file for further administrative handling, said vehicle records indicative of registered vehicles with no insurance in force thereon.
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16. A computer implemented method of operation for determining the presence or absence of insurance on a registered vehicle comprising the steps of:
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a. encoding first input data into vehicle records indicative of registered vehicles; b. storing said vehicle records into a vehicle database; c. selecting at least one portion of each vehicle record for use as an index key; d. encoding second input data into insurance records indicative of insurance in force on vehicles; e. storing said insurance records into an insurance database; f. selecting at least one portion of each insurance record for use as an index key corresponding to said selected index key in said vehicle record; g. selecting said index key from a selected vehicle record in said vehicle database; h. matching said index key of said selected vehicle record in said vehicle database with said corresponding index key in each insurance record in said insurance database; i. flagging said selected vehicle record if no index key match is found in step h; j. repeating steps g-i for all vehicle records in said vehicle database; k. moving said flagged vehicle records to an uninsured vehicle file for further administrative handling, said flagged records indicative of selected vehicle records having no corresponding insurance record in said insurance database for said selected index key. - View Dependent Claims (17, 18, 19)
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Specification