Systems and methods for electronic verification of vehicle insurance coverage
First Claim
1. A system for electronically verifying vehicle insurance coverage, the system comprising:
- a memory; and
a processing unit coupled to the memory, wherein the processing unit is configured to;
store a plurality of identifiers, each associated with one of a plurality of vehicle operators;
store current vehicle insurance coverage information for each of the stored identifiers, wherein the current vehicle insurance coverage information is updated to reflect changes in vehicle insurance coverage for each of the stored identifiers;
receive a query via a communications network requesting verification whether a first vehicle operator has current vehicle insurance coverage, wherein the query includes an identifier associated with the first vehicle operator;
compare the first vehicle operator'"'"'s identifier to the plurality of stored identifiers;
verify whether the first vehicle operator has current vehicle insurance coverage based on a result of the comparison;
communicate a signal indicative of the result to a source of the query;
maintain a record of a source and frequency from the source of each query requesting verification whether the first vehicle operator has current insurance coverage;
communicate an alert to an insurance provider indicating that a predetermined number of queries, requesting verification whether the first vehicle operator has current vehicle insurance coverage, have been received from the source during a pre-determined time period; and
calculate an insurance premium based on a risk assessment that is calculated using the alert.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, methods and apparatus for electronically verifying vehicle insurance coverage. A plurality of identifiers may be stored along with corresponding vehicle insurance coverage information for each of the identifiers. A query may be received requesting verification whether a vehicle operator has current vehicle insurance coverage. The query may include an identifier associated with the vehicle operator. The vehicle operator'"'"'s identifier may be compared to the stored identifiers to verify whether the vehicle operator has current automobile insurance coverage. A signal may be communicated to a source of the query indicating a result of the comparison.
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Citations
22 Claims
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1. A system for electronically verifying vehicle insurance coverage, the system comprising:
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a memory; and a processing unit coupled to the memory, wherein the processing unit is configured to; store a plurality of identifiers, each associated with one of a plurality of vehicle operators; store current vehicle insurance coverage information for each of the stored identifiers, wherein the current vehicle insurance coverage information is updated to reflect changes in vehicle insurance coverage for each of the stored identifiers; receive a query via a communications network requesting verification whether a first vehicle operator has current vehicle insurance coverage, wherein the query includes an identifier associated with the first vehicle operator; compare the first vehicle operator'"'"'s identifier to the plurality of stored identifiers; verify whether the first vehicle operator has current vehicle insurance coverage based on a result of the comparison; communicate a signal indicative of the result to a source of the query; maintain a record of a source and frequency from the source of each query requesting verification whether the first vehicle operator has current insurance coverage; communicate an alert to an insurance provider indicating that a predetermined number of queries, requesting verification whether the first vehicle operator has current vehicle insurance coverage, have been received from the source during a pre-determined time period; and calculate an insurance premium based on a risk assessment that is calculated using the alert. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-readable medium having stored thereon computer-executable instructions for electronically verifying vehicle insurance coverage, the computer-executable instructions comprising instructions for:
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storing a plurality of identifiers, each associated with one of a plurality of vehicle operators; storing current vehicle insurance coverage information for each of the stored identifiers, wherein the current vehicle insurance coverage information is updated to reflect changes in vehicle insurance coverage for each of the stored identifiers; receiving a query via a communications network requesting verification whether a first vehicle operator has current vehicle insurance coverage, wherein the query includes an identifier associated with the first vehicle operator; comparing the first vehicle operator'"'"'s identifier to the plurality of stored identifiers; verifying whether the first vehicle operator has current vehicle insurance coverage based on a result of the comparison; communicating a signal indicative of the result to a source of the query maintaining a record of a source and frequency from the source of each requesting verification whether the first vehicle operator has current insurance coverage; and communicating an alert to an insurance provider indicating that a predetermined number of queries, requesting verification whether the first vehicle operator has current vehicle insurance coverage, have been received from the source during a pre-determined time period; and calculate an insurance premium based on a risk assessment that is calculated using the alert. - View Dependent Claims (9, 10, 11, 12, 19, 20)
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13. A method for electronically verifying vehicle insurance coverage, the method comprising:
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storing with a computer having a processing unit and computer readable media executable by the processing unit a plurality of identifiers, each associated with one of a plurality of vehicle operators; storing with the computer current vehicle insurance coverage information for each of the stored identifiers, wherein the current vehicle insurance coverage information is updated to reflect changes in vehicle insurance coverage for each of the stored identifiers; receiving with the computer a query via a communications network requesting verification whether a first vehicle operator has current vehicle insurance coverage, wherein the query includes an identifier associated with the first vehicle operator; comparing with the computer the first vehicle operator'"'"'s identifier to the plurality of stored identifiers; verifying with the computer whether the first vehicle operator has current vehicle insurance coverage based on a result of the comparison; and communicating with the computer a signal indicative of the result to a source of the query; maintaining with the computer a record of a source and frequency from the source of each query requesting verification whether the first vehicle operator has current insurance coverage; and communicating with the computer an alert to an insurance provider indicating that a predetermined number of queries, requesting verification whether the first vehicle operator has current vehicle insurance coverage, have been received from the source during a pre-determined time period; and calculate an insurance premium based on a risk assessment that is calculated using the alert. - View Dependent Claims (14, 15, 16, 17, 18, 21, 22)
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Specification