Insurance processing systems and methods using mobile devices for proof of insurance

Patent metadata

Field	Value
Publication number	US-9495709-B2
Application number	US-90673710-A
Country	US
Kind code	B2
Filing date	Oct 18, 2010
Priority date	Dec 31, 2009
Publication date	Nov 15, 2016
Grant date	Nov 15, 2016

Abstract

Systems, methods, apparatus, means and computer program code for operating a mobile device and an insurance processing system are provide which include receiving, from a mobile device, sensor data collected from at least a first sensor of the mobile device, determining, based at least in part on the sensor data, that an activity associated with an insured is not covered by a plurality of insurance coverage rules, and transmitting, to the mobile device, information indicating that an activity is not covered by a plurality of insurance coverage rules.

First claim

What is claimed is:

1. A computer system, comprising:
a server computer system, comprising:
a data storage device for storing data defining a plurality of insurance policies and a plurality of insurance coverage rules associated with one or more of said insurance policies, at least one of said insurance policies associated with a mobile insurance application operated by an insured, wherein a location-based insurance coverage rule associated with the insured defines a geographical coverage area within which an activity by the insured is covered by said least one insurance policy and outside of which the activity by the insured is not covered by said at least one insurance policy;
a computer processor for executing program instructions and for retrieving said data defining a plurality of insurance policies from the data storage device;
a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to
receive, from a mobile device associated with said mobile insurance application, location data collected from at least a first sensor of said mobile device, the at least first sensor automatically controlled to collect said location data by operation of said mobile insurance application based on configuration data associated with said at least one of said insurance policies;
determine, based at least in part on said location data and the location-based insurance coverage rule, that the activity associated with said insured is not covered by said at least one insurance policy because the insured is not within the geographical coverage area;
transmit, to said mobile device, information indicating that the activity is not covered by said at least one insurance policy; and
provide funds, associated with a claim, to a payment account for the insured;
wherein the insured is a worker and said at least one of said insurance policies is a commercial job site-based insurance policy, and said program instructions for execution by the computer processor to transmit 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; and

a mobile device in communication with the server computer system, the mobile device comprising a memory and a processor, the memory storing an application program, the application program causing the mobile device processor to: present a user interface prompting for configuration data including at least one or more current work locations and work hours; after receiving the configuration data, execute the configured application program in the background to control the at least first sensor of the mobile device to collect data indicative of location of the mobile device away from the at least one or more current work locations during the received work hours, and to transmit selectively the collected location data to the server computer system, the mobile device further being configured to execute a payment application program to access the payment account, and the mobile device comprising an RFID unit configured to provide contactless payment from the payment account;
wherein the processor is further configured to access the data indicative of whether the insured is spending time during working hours at the new location, the processor being further configured to generate a coverage notice for presentation to the insured via the application program on the mobile device.

2. The computer system of claim 1 , further comprising program instructions for execution by the computer processor to:
receive information from said mobile device identifying a scope of work to be performed at the worker's current location;
receive a request from said 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 said additional commercial job site-based insurance policy coverage based on said information identifying the scope of the work.

3. The computer system of claim 1 , wherein said location data is collected under control of said mobile insurance application and transmitted to said insurance system under control of said mobile insurance application.

4. The computer system of claim 1 , wherein said location data is collected under control of said mobile insurance application on request by said insured.

5. A computer system for reconciling data received from mobile devices with stored data indicative of location-based rules, comprising:
a server computer system, comprising:
a data storage device for storing data defining a plurality of insurance policies and a plurality of insurance coverage rules associated with one or more of said insurance policies, at least one of said insurance policies associated with a mobile insurance application operated by an insured, wherein a location-based insurance coverage rule associated with the insured defines a geographical coverage area within which an activity by the insured is covered by said least one insurance policy and outside of which the activity by the insured is not covered by said at least one insurance policy;
a computer processor for executing program instructions and for retrieving said data defining a plurality of insurance policies from the data storage device;
a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to
receive, from a mobile device, location data collected by the mobile device;
determine, based at least in part on said location data and the location-based insurance coverage rule, that the activity associated with said insured is not covered by said at least one insurance policy because the insured is not within the geographical coverage area;
transmit, to said mobile device, information indicating that the activity is not covered by said at least one insurance policy; and
provide funds, associated with a claim, to a payment account for the insured;

wherein the insured is a driver and said at least one of said insurance policies is an automobile insurance policy associated with an automobile being operated by the driver, and said 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;
further comprising program instructions for execution by the computer processor to:
receive a request from said mobile device to expand the geographical coverage area of the automobile insurance policy to include the driver's current location; and
transmit, to said mobile device, terms and conditions for said additional automobile insurance policy coverage; and
a mobile device executing instructions of a mobile insurance application program, the program configured, based on configuration data associated with said at least one of said insurance policies, to control the mobile device to collect location data from at least a first sensor of the mobile device, and to aggregate location data collected from the at least first sensor and to transmit the aggregated location data only when the data indicates that the mobile device is going to or has passed outside of the geographical coverage area;
the mobile device further being configured to execute a payment application program to access the payment account, and the mobile device comprising an RFID unit configured to provide contactless payment from the payment account.

6. A computer-implemented method, comprising:
presenting, by a processor of a mobile device, associated with an insured entity, executing instructions of

Assignees

• Borden Richard M
• Amigo Andrew J
• Busque Keven J
• Peak David F
• Walters Eugene J
• Hartford Fire Insurance Comp

Inventors

• Borden Richard M
• Amigo Andrew J
• Busque Keven J
• Peak David F
• Walters Eugene J

Classifications

• G06Q10/10

  Office automation; Time management · CPC title

• G16H10/65

  stored on portable record carriers, e.g. on smartcards, RFID tags or CD · CPC title

• G16H10/40

  for data related to laboratory analysis, e.g. patient specimen analysis · CPC title

• G06Q10/067

  Enterprise or organisation modelling · CPC title

• G01C21/36

  Input/output arrangements for on-board computers · CPC title