Insurance processing system and method using mobile devices for proof of ownership
First Claim
1. A computer system, comprising:
- a mobile device, coupled to a sensor for determining quality of items, and configured to execute an application program to capture an image of a first item, generate an interface prompting a user for data relating to the first item, activate the sensor to determine quality of the first item, perform an analysis based on data from the sensor, prompt the user to capture, via a camera of the mobile device, an image of one or more of a bar code, serial number or product code of the first item, receive in response to the prompt an image of one or more of a bar code, serial number or product code of the first item, communicate with one or more comparison services to obtain comparative pricing information associated with the first item employing the at least one of bar code, serial number or product code, and automatically transmit a record including the captured image data, data entered via the user interface, location information automatically captured via a GPS receiver of the mobile device, time information, the image of one or more of a bar code, serial number or product code of the first item, the obtained comparative pricing information, quality data received from the sensor and data resulting from the analysis;
the application program being further configured to, responsive to receipt of a response to a request to add an item, automatically display the received response on an interface of the mobile device;
a data storage device storing, updating and providing access to data defining a plurality of insurance coverage;
a computer processor for executing program instructions and for retrieving said data defining a plurality of insurance coverage rules from the data storage device;
a memory, coupled to the computer processor, storing program instructions for execution by the computer processor to;
receive, from the mobile device, the transmitted record;
analyze stored property inventory data including said received record information, including said comparative pricing information, to determine a current total value of a property inventory including a value of said at least first item to be added;
compare said property inventory, said current total value of said property inventory, said location information and said information identifying said at least first item to be added with said data defining a plurality of insurance coverage rules, said plurality of insurance coverage rules including at least a first geographical limit; and
generate and transmit to the mobile device a response to said request to add an item based on a result of said comparison, the response including an indication of whether said current total value of said property inventory exceeds one or more of said plurality of insurance coverage rules and whether said location information is within the at least a first geographical limit.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, methods and apparatus for creating, analyzing and updating a property inventory are disclosed which include receiving, from a user operating a mobile device, a request to add a new item of property to an insurance inventory associated with an insurance policy, the request including information identifying the new item, at least a first image of the new item, and information identifying a location of the new item. An insurance inventory system is operated to add the new item to an insurance inventory associated with the insurance policy, the updating including computing a total current value of the insurance inventory including the new item. A coverage engine is operated to compare coverage limits associated with the insurance policy to the total current value of the insurance inventory to determine if the total current value is within a coverage limit of the insurance policy. A response is transmitted to the user based on the determination.
-
Citations
23 Claims
-
1. A computer system, comprising:
-
a mobile device, coupled to a sensor for determining quality of items, and configured to execute an application program to capture an image of a first item, generate an interface prompting a user for data relating to the first item, activate the sensor to determine quality of the first item, perform an analysis based on data from the sensor, prompt the user to capture, via a camera of the mobile device, an image of one or more of a bar code, serial number or product code of the first item, receive in response to the prompt an image of one or more of a bar code, serial number or product code of the first item, communicate with one or more comparison services to obtain comparative pricing information associated with the first item employing the at least one of bar code, serial number or product code, and automatically transmit a record including the captured image data, data entered via the user interface, location information automatically captured via a GPS receiver of the mobile device, time information, the image of one or more of a bar code, serial number or product code of the first item, the obtained comparative pricing information, quality data received from the sensor and data resulting from the analysis;
the application program being further configured to, responsive to receipt of a response to a request to add an item, automatically display the received response on an interface of the mobile device;a data storage device storing, updating and providing access to data defining a plurality of insurance coverage; a computer processor for executing program instructions and for retrieving said data defining a plurality of insurance coverage rules from the data storage device; a memory, coupled to the computer processor, storing program instructions for execution by the computer processor to; receive, from the mobile device, the transmitted record; analyze stored property inventory data including said received record information, including said comparative pricing information, to determine a current total value of a property inventory including a value of said at least first item to be added; compare said property inventory, said current total value of said property inventory, said location information and said information identifying said at least first item to be added with said data defining a plurality of insurance coverage rules, said plurality of insurance coverage rules including at least a first geographical limit; and generate and transmit to the mobile device a response to said request to add an item based on a result of said comparison, the response including an indication of whether said current total value of said property inventory exceeds one or more of said plurality of insurance coverage rules and whether said location information is within the at least a first geographical limit. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
-
-
15. A portable wireless communication device, comprising:
-
a communication port; a sensor for determining quality of items; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for detecting a user action to add an item to an insurance inventory of said user; instructions for receiving information identifying an item, including an item type and a date acquired; instructions for activating a sensor, coupled to the portable wireless communication device, for determining quality of an item, to determine quality of the first item, and for performing an analysis based on data from the sensor; instructions for;
prompting a user to capture, via a camera of the mobile device, an image of one or more of a bar code, serial number or product code of the first item;
receive in response to the prompt an image of one or more of a bar code, serial number or product code of the first item; and
communicate with one or more comparison services to obtain comparative pricing information associated with the first item employing the at least one of bar code, serial number or product code,instructions for capturing at least a first image of said item and associating said at least first image with a timestamp and geocode data based on a location of said capturing from a GPS receiver of said portable wireless communication device; instructions for transmitting a request to add said item to a remote insurance processing system, said request including information identifying said user, said item type, said date acquired, said at least first image of said item, said time stamp, said geocode data, the image of one or more of a bar code, serial number or product code of the first item, the obtained comparative pricing information, a result of the analysis and data received from said sensor relating to said item; and instructions for receiving a response from said remote insurance processing system, said response including information based on a comparison of said geocode data and at least a first insurance policy coverage rule specifying a geographical coverage limitation associated with an insurance policy of said user, and responsive to receipt of said response, automatically displaying said response on an interface of said device. - View Dependent Claims (16, 17, 18, 19)
-
-
20. A computerized data processing method, comprising:
-
by a mobile device, coupled to a sensor for determining quality of items, executing an application program to capture an image of a first item, generate an interface prompting a user for data relating to the first item, activate a sensor to determine quality of the first item, perform an analysis based on data from the sensor, prompt the user to capture, via a camera of the mobile device, an image of one or more of a bar code, serial number or product code of the first item, receive in response to the prompt an image of one or more of a bar code, serial number or product code of the first item, communicate with one or more comparison services to obtain comparative pricing information associated with the first item employing the at least one of bar code, serial number or product code, and automatically transmit a record including the captured image data, data entered via the user interface, location information automatically captured via a GPS receiver of the mobile device, time information, the image of one or more of a bar code, serial number or product code of the first item, the obtained comparative pricing information, a result of the analysis, and quality data received from the sensor; and
further executing the application program to, responsive to receipt of a response to a request to add an item, automatically display the received response on an interface of the mobile device;receiving, from a mobile device, a request to update a status of an item of property in an insurance inventory associated with a commercial insurance policy, said request including at least one of (i) information identifying said item as an item to be added to said insurance inventory and including at least a first image of said item and information identifying a geographical location of said item based on information received via a GPS receiver of the mobile device, and (ii) information identifying said item as an item to be removed from said insurance inventory; updating an inventory system in response to said request to update a status of said item of property in said insurance inventory associated with said commercial insurance policy, said updating including computing a total current value of said insurance inventory in response to said request to update; operating a coverage engine to compare coverage limits associated with said commercial insurance policy to said total current value of said insurance inventory and said information identifying a geographical location of said item to determine if said total current value is within a coverage limit of said commercial insurance policy and if said geographical location of said item is within at least a first geographical limit of said commercial insurance policy; and transmitting a response to said mobile device based on said determination. - View Dependent Claims (21, 22, 23)
-
Specification