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 mobile computing device via a wireless communication link, an indication that the mobile computing device is proximate to a wireless transceiver device, wherein the wireless communication link utilizes any wireless communication protocol and wherein the wireless device is attached to a personal item;
receiving, at the mobile computing device via the wireless communication link, data representative of an identification of the wireless transceiver device;
wherein the identification of the wireless transceiver device includes an indication of the personal item to which it is attached;
automatically storing, by a processor of the mobile computing device, 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;
wherein the insurance risk related data includes at least one of time data and position data;
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.
2 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 mobile computing device via a wireless communication link, an indication that the mobile computing device is proximate to a wireless transceiver device, wherein the wireless communication link utilizes any wireless communication protocol and wherein the wireless device is attached to a personal item; receiving, at the mobile computing device via the wireless communication link, data representative of an identification of the wireless transceiver device; wherein the identification of the wireless transceiver device includes an indication of the personal item to which it is attached; automatically storing, by a processor of the mobile computing device, 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; wherein the insurance risk related data includes at least one of time data and position data; 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, via a wireless communication link, an indication that a mobile computing device configured with a mobile computing device insurance application is proximate the wireless transceiver device and to provide, via the wireless communication link, data representative of an identification of the wireless transceiver device, wherein the wireless communication link utilizes any wireless communication protocol; wherein the wireless transceiver device is attached to a personal item; and wherein the identification of the wireless transceiver device includes an indication of the personal item to which it is attached; a wireless transceiver device and mobile computing device synchronization module stored on a non-transitory computer-readable medium that, when executed by a processor, causes the system to; receive, via the wireless communication link, the indication that the wireless transceiver device is proximate to the mobile computing device, receive, via the wireless communication link, the data representative of the identification of the wireless transceiver device, and provide an indication that the wireless transceiver device is proximate the mobile computing device; and an insurance risk related data logging module stored on a non-transitory computer-readable medium that, when executed by a processor, causes the system to automatically receive, via the wireless communication link, 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; wherein the insurance risk related data includes at least one of time data and position data. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium comprising 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, when executed, implement:
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a wireless transceiver device and mobile computing device synchronization module that, when executed by a processor, causes the system to (i) receive, via a wireless communication link, an indication that a wireless transceiver is proximate to a mobile computing device, (ii) receive, via the wireless communication link, data representative of an identification of the wireless transceiver device, and (iii) provide an indication that the wireless transceiver device is proximate to the mobile computing device, wherein the wireless communication link utilizes any wireless communication protocol; wherein the wireless transceiver device is attached to a personal item and; wherein the identification of the wireless transceiver device includes an indication of the personal item to which it is attached; an insurance data logging module that, when executed by a processor, causes the system to automatically receive insurance risk related data from 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 to the mobile computing device; wherein the insurance risk related data includes at least one of time data and position data. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification