Maintaining current insurance information at a mobile device

  • US 10,572,943 B1
  • Filed: 09/10/2013
  • Issued: 02/25/2020
  • Est. Priority Date: 09/10/2013
  • Status: Active Grant
  • ×
    • Pin Icon | RPX Insight
    • Pin
First Claim
Patent Images

1. A method of maintaining up-to-date insurance information at a mobile device comprising:

  • obtaining, by an insurance system, insurance information associated with a first insurance customer;

    generating, by the insurance system, an insurance card image based on the insurance information;

    establishing, by the insurance system, a connection with a first mobile device associated with the first insurance customer, wherein the insurance system and the first mobile device are communicatively coupled over a network;

    transmitting, to the first mobile device and by the insurance system, the insurance card image, wherein receipt of the insurance card image at the first mobile device causes the first mobile device to store the insurance card image in a data store of the first mobile device; and

    in response to receiving an indication of a display of the insurance card image at the first mobile device in accordance with a user request for the display of the insurance card image;

    receiving, by the insurance system and from the first mobile device, a first message generated by the first mobile device indicating a time and a date at which the user request for display of the insurance card image was received at the first mobile device, and a geographic location of the first mobile device when the user request for display of the insurance card image was received at the first mobile device;

    creating and storing, by the insurance system and in a data store of the insurance system, a first record indicating the time, the date, and the geographic location;

    receiving, by the insurance system and from a first vehicle associated with the first insurance customer, telematics information of the first vehicle indicating a time, a date, and a geographical location at which an incident involving the first vehicle occurred;

    comparing, by the insurance system, the time, the date, and the geographic location indicated in the first record to the time, the date, and the geographic location indicated in the telematics information;

    based on a determination that the time, the date, and the geographic location indicated in the first record substantially matches the time, the date, and the geographic location indicated in the telematics information, automatically generating, by the insurance system, an insurance claim;

    analyzing, by the insurance system, the telematics information; and

    determining, by the insurance system and based on incident event data detected in the telematics information, that the incident involving the first vehicle has occurred wherein the incident event data includes data indicating a hard braking event, data indicating a sudden stop event, or data indicating a hard turn event,wherein the determination that the time and the date indicated in the first record substantially matches the time and the date indicated in the telematics information further comprises determining, by the insurance system and based on the comparison, that the user request for display of the insurance card image was received following the incident involving the first vehicle, andwherein automatically generating the insurance claim comprises;

    automatically populating, by the insurance system, the insurance claim with the insurance information associated with the first insurance customer and associating, by the insurance system, the insurance claim with the first record.

View all claims
    ×
    ×

    Thank you for your feedback

    ×
    ×