Obtaining insurance information in response to optical input

  • US 9,443,270 B1
  • Filed: 09/17/2013
  • Issued: 09/13/2016
  • Est. Priority Date: 09/17/2013
  • Status: Active Grant
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1. A system for responding to a request for insurance policy information received from a mobile device, the system comprising:

  • a physical token that affixes to a vehicle of an insurance customer, the physical token comprising a unique identifier associated with the insurance customer;

    a mobile device comprising a token scanning application stored thereon, the token scanning application optically scans the physical token to obtain the unique identifier and, in response to the scan, generates a scan message comprising the unique identifier a date, a time, and a location the physical token was scanned; and

    an insurance information server in signal communication with the mobile device and comprising;

    one or more processors;

    a data store that stores insurance policy information associated with the insurance customer, including the unique identifier;

    a communication interface that receives the scan message from the mobile device; and

    a memory storing instructions that when executed by one of the one or more processors cause the insurance information server to;

    transmit the insurance policy information to the mobile device wherein receipt of the insurance policy information by the mobile device causes the mobile device to present the insurance policy information at a display of the mobile device,create a record of the scan message, the record comprising the date, the time, and the location the mobile device scanned the physical token,determine whether the record substantially matches a stored record corresponding to a previously received scan message associated with a second insurance customer by comparing (i) the date of the record to a date of the stored record, (ii) the time of the record to a time of the stored record, and (iii) the location of the record to a location of the stored record, andresponsive to determining that the record substantially matches the stored record, initiate creation of an insurance claim that identifies the insurance customer and the second insurance customer.

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