REMOTE MOBILE PAYMENT

• US 20170061547A1
• Filed: 11/14/2016
• Published: 03/02/2017
• Est. Priority Date: 12/31/2009
• Status: Abandoned Application

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Borden, Richard M., Amigo, Andrew J., Busque, Keven J., Peak, David F., Walters, Eugene J.
• Application Number:
  US15/350,790
• Publication Number:
  US 20170061547A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G01C 21/3461 Preferred or disfavoured areas, e.g. dangerous zones, toll or emission zones, intersections, manoeuvre types, segments such as motorways, toll roads, ferries
• CPC Class Codes: G01C 21/36 Input/output arrangements for on-board computers
• CPC Class Codes: G06Q 10/067 Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/22 Social work or social welfare, e.g. community support activities or counselling services
• CPC Class Codes: G16H 10/40 for data related to laboratory analysis, e.g. patient specimen analysis
• CPC Class Codes: G16H 10/60 for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: G16H 10/65 stored on portable record carriers, e.g. on smartcards, RFID tags or CD
• CPC Class Codes: G16H 40/63 for local operation
• CPC Class Codes: G16H 40/67 for remote operation

Abstract

A remote mobile payment computer system is disclosed. The computer system may include a server computer system which comprises a data storage device, computer processors, and memory storing processor-executable program instructions. The data storage device may store data defining a plurality of policies, at least one of the policies associated with a mobile application installed on a remote mobile device. The program instructions may cause the processor to provide funds, associated with a claim under one of the plurality of policies, to a payment account, and permit access to the payment account by a payment application program on the mobile device, to effect contactless payment from the payment account, via an RFID unit of the mobile device.

Claims

1. A computer system, comprising:

a server computer system, comprising;

a data storage device storing data defining a plurality of policies, at least one of the policies associated with a mobile application installed on a remote mobile device;

one or more computer processors configured to execute program instructions and to retrieve the data defining a plurality of policies from the data storage device; and

a memory, coupled to the one or more computer processors, storing processor-executable program instructions, which instructions, when executed by the one or more computer processors, cause the one or more computer processors to;

provide funds, associated with a claim under one of the plurality of policies, to a payment account for an insured under the one of the plurality of policies; and

permit access to the payment account by a payment application program on the mobile device, to effect contactless payment from the payment account, via an RFID unit of the mobile device.

2. The computer system of claim 1, wherein the data storage device further stores data indicative of location-based coverage rules associated with each of the stored policies, at least one of the policies associated with a mobile insurance application operated by an insured, wherein a location-based insurance coverage rule defines a geographical coverage area within which an activity by the insured is covered by the least one insurance policy and outside of which the activity by the insured is not covered by the at least one insurance policy;

the program instructions further causing the one or more computer processors to;

receive, from a mobile device, location data collected by the mobile device;

determine, based at least in part on the location data and the location-based insurance coverage rule, that the activity associated with the insured is not covered by the at least one insurance policy because the insured is not within the geographical coverage area; and

transmit, to the mobile device, information indicating that the activity is not covered by the at least one insurance policy.

3. The computer system of claim 2, wherein the insured is a driver and the at least one of the insurance policies is an automobile insurance policy associated with an automobile being operated by the driver, and the program instructions for execution by the computer processor to transmit information indicating that operation of the automobile by the driver is not covered by the automobile insurance policy because the driver'"'"'s current location is not within the geographical coverage area.

4. The computer system of claim 3, wherein the program instructions when executed by one or more computer processors, further cause the one or more computer processors to:

receive a request from the mobile device to expand the geographical coverage area of the automobile insurance policy to include the driver'"'"'s current location; and

transmit, to the mobile device, terms and conditions for the additional automobile insurance policy coverage.

5. The computer system of claim 2, wherein the insured entity is a worker and the insurance policy is a commercial job site-based insurance policy, and the transmitting information includes transmitting information indicating that work performed by the worker is not covered by the commercial job site-based insurance policy because the worker'"'"'s current location is not within the geographical coverage area.

6. The computer system of claim 5, further storing program code executable by the computer to:

receive information from the mobile device identifying a scope of work to be performed at the worker'"'"'s current location;

receive a request from the mobile device to add an additional job site to the geographical coverage area based on the worker'"'"'s current location; and

generate terms and conditions for the additional commercial job site-based insurance policy coverage based on the information identifying the scope of the work.

7. A computer-implemented method, comprising:

accessing, by a server computer system, a data storage device storing data defining a plurality of policies, at least one of the policies associated with a mobile application installed on a remote mobile device;

providing funds, associated with a claim relating to the at least one of the policies, by the server computer system, to a payment account for the insured; and

executing, by the mobile device, a payment application program to access the payment account, and providing contactless payment from the payment account by an RFID unit of the mobile device.

8. The computer-implemented method of claim 7, wherein the data storage device further stores data indicative of location-based coverage rules associated with each of the stored policies, at least one of the policies associated with a mobile insurance application operated by an insured, wherein a location-based insurance coverage rule defines a geographical coverage area within which an activity by the insured is covered by the least one insurance policy and outside of which the activity by the insured is not covered by the at least one insurance policy;

further comprising;

receiving, by the server computer, from a mobile device, location data collected by the mobile device;

determining, by the server computer, based at least in part on the location data and the location-based insurance coverage rule, that the activity associated with the insured is not covered by the at least one insurance policy because the insured is not within the geographical coverage area; and

transmitting, by the server computer, to the mobile device, information indicating that the activity is not covered by the at least one insurance policy.

9. The computer-implemented method of claim 8, wherein the insured is a driver and the at least one of the insurance policies is an automobile insurance policy associated with an automobile being operated by the driver, and further comprising, transmitting, by the server computer, to the mobile device, information indicating that operation of the automobile by the driver is not covered by the automobile insurance policy because the driver'"'"'s current location is not within the geographical coverage area.

10. The computer-implemented method of claim 9, further comprising:

receiving, by the server computer, a request from the mobile device to expand the geographical coverage area of the automobile insurance policy to include the driver'"'"'s current location; and

transmitting, by the server computer, to the mobile device, terms and conditions for the additional automobile insurance policy coverage.

11. The computer-implemented method of claim 8, wherein the insured entity is a worker and the insurance policy is a commercial job site-based insurance policy, and the transmitting information includes transmitting information indicating that work performed by the worker is not covered by the commercial job site-based insurance policy because the worker'"'"'s current location is not within the geographical coverage area.

12. The computer-implemented method of claim 11, further comprising:

receiving, by the server computer, information from the mobile device identifying a scope of work to be performed at the worker'"'"'s current location;

receiving, by the server computer, a request from the mobile device to add an additional job site to the geographical coverage area based on the worker'"'"'s current location; and

generating, by the server computer, terms and conditions for the additional commercial job site-based insurance policy coverage based on the information identifying the scope of the work.

13. A non-transitory, computer-readable medium storing program code, which, when executed by one or more processors, causes the one or more processors to:

provide funds, associated with a claim under one of a plurality of policies, to a payment account for an insured under the one of the plurality of policies; and

permit access to the payment account by a payment application program on a mobile device, to effect contactless payment from the payment account, via an RFID unit of the mobile device.

14. The computer-readable medium of claim 13, wherein the instructions, when executed by one or more processors, further cause the one or more processors to:

receive, from a mobile device, location data collected by the mobile device;

determine, based at least in part on the location data and the location-based insurance coverage rule, that the activity associated with the insured is not covered by the at least one policy because an insured associated with the policy is not within the geographical coverage area of the policy; and

transmit, to the mobile device, information indicating that the activity is not covered by the at least one insurance policy.

15. The computer-readable medium of claim 14, wherein the insured is a driver and the at least one of the insurance policies is an automobile insurance policy associated with an automobile being operated by the driver, and the program code, when executed by the one or more processors, further causes the one or more processors to transmit information indicating that operation of the automobile by the driver is not covered by the automobile insurance policy because the driver'"'"'s current location is not within the geographical coverage area.

16. The computer-readable medium of claim 15, wherein the program code, when executed by the one or more processors, further causes the one or more processors to:

receive a request from the mobile device to expand the geographical coverage area of the automobile insurance policy to include the driver'"'"'s current location; and

transmit, to the mobile device, terms and conditions for the additional automobile insurance policy coverage.

17. The computer-readable medium of claim 14, wherein the insured entity is a worker and the insurance policy is a commercial job site-based insurance policy, and the transmitting information includes transmitting information indicating that work performed by the worker is not covered by the commercial job site-based insurance policy because the worker'"'"'s current location is not within the geographical coverage area.

18. The computer-readable medium of claim 17, wherein the program code further causes the one or more processors to:

receive information from the mobile device identifying a scope of work to be performed at the worker'"'"'s current location;

receive a request from the mobile device to add an additional job site to the geographical coverage area based on the worker'"'"'s current location; and

generate terms and conditions for the additional commercial job site-based insurance policy coverage based on the information identifying the scope of the work.