A method for providing an insurance information for an entity by a communication device, a computer program product, a non-transitory

Abstract

The invention relates to a method for providing insurance information 28 for an entity 20, 22 by a communication device, comprising the steps of transmitting a request for the insurance information to

Description

[0001] The present invention relates to the field of automobiles. More specifically, the present invention relates to a method for providing an insurance information for an entity by a communication device. Furthermore, the present invention relates to a corresponding computer program product, a corresponding non-transitory computer-readable storage medium, as well as a corresponding communication device. BACKGROUND INFORMATION

[0002] There are times when insurance details or proof that a person / vehicle is insured, or the equivalent are necessary. Therefore, there is a need to present a current insurance information, for example due to an accident of two motor vehicles in order to exchange the insurance information between the two drivers of the crashed vehicles. SUMMARY OF THE INVENTION

[0003] It is an object of the present invention to provide a method, a corresponding computer program product, a corresponding non-transitory computer-readable storage medium, as well as a corresponding communication device, by which an insurance information of an entity may be provided in an improved manner.

[0004] This object is solved by a method, a corresponding computer program product, a corresponding non-transitory computer-readable storage medium, as well as a corresponding communication device.

[0005] One aspect of the invention relates to a method for providing an insurance information for an entity by a communication device. A request for the insurance information is transmitted to an electronic computing device of an insurance company by the communication device. The insurance information is received from the insurance company by the communication device, and the insurance information is stored in a storage device of the communication device.

[0006] As an entity, for example a car owner, the police, or further entities, which need to have the insurance information, can be regarded. Furthermore, people with the appropriate authority to digitally request this data, as well as a governance structure that would allow the appropriate people or organizations to manage the data within, can be regarded as an entity.

[0007] As a database for the insurance information, the insurance information can provide details about the insurer and the person / vehicle insured, such as the type of insurance, asset insured, for example a motor vehicle, house or furthermore, a unique identification for this asset, which person is tied to the asset, a unique identification for the person, contact information for the responsible person, the unique policy identification, who receives the payout if any is given, metadata about the insurance of the asset, such as, for example, data concerning a starting date and an expiring date of the insurance, which incidents are covered, including details such as locations valid or invalid, acts of goods exemptions, or furthermore, financial details, for example maximum / minimum amount covered and for which kind of damage, contact information for the insurer who has the authority read data, who has the authorization to manage data and furthermore.

[0008] According to an embodiment, the insurance information is displayed on a display device of the communication device.

[0009] In another embodiment, depending on an event, an event individual request is transmitted and depending on the individual request an event individual insurance information is transmitted to the communication device.

[0010] In another embodiment, the insurance information is transmitted via a blockchain method.

[0011] According to another embodiment, only the insurance company is able to insert data into the blockchain.

[0012] In another embodiment, the insurance information is transmitted to another communication device, for example, from another entity.

[0013] In particular, the provided method is a computer-implemented method. Therefore, another aspect of the invention relates to a computer program product comprising program code means for performing a method according to the preceding aspect.

[0014] A still further aspect of the invention relates to a non-transitory computer-readable storage medium comprising at least the computer program product according to the preceding aspect.

[0015] A still further aspect of the invention relates to a communication device for providing an insurance information for an entity, comprising at least one storage device, wherein the communication device is configured for performing a method according to the preceding aspect. In particular, the method is performed by the communication device.

[0016] Advantageous forms of the method are to be regarded as advantageous forms of the computer program product, the non-transitory computer-readable storage medium, as well as the communication device. Therefore, the communication device comprises means for performing a method according to the present invention.

[0017] A computing unit / electronic computing device may in particular be understood as a data processing device, which comprises processing circuitry. The computing unit can therefore in particular process data to perform computing operations. This may also include operations to perform indexed accesses to a data structure, for example a look-up table, LUT.

[0018] In particular, the computing unit may include one or more computers, one or more microcontrollers, and / or one or more integrated circuits, for example, one or more application-specific integrated circuits, ASIC, one or more field-programmable gate arrays, FPGA, and / or one or more systems on a chip, SoC. The computing unit may also include one or more processors, for example one or more microprocessors, one or more central processing units, CPU, one or more graphics processing units, GPU, and / or one or more signal processors, in particular one or more digital signal processors, DSP. The computing unit may also include a physical or a virtual cluster of computers or other of said units.

[0019] In various embodiments, the computing unit includes one or more hardware and / or software interfaces and / or one or more memory units.

[0020] A memory unit may be implemented as a volatile data memory, for example a dynamic random access memory, DRAM, or a static random access memory, SRAM, or as a non-volatile data memory, for example a read-only memory, ROM, a programmable read-only memory, PROM, an erasable programmable read-only memory, EPROM, an electrically erasable programmable read-only memory, EEPROM, a flash memory or flash EEPROM, a ferroelectric random access memory, FRAM, a magnetoresistive random access memory, MRAM, or a phase-change random access memory, PCRAM, forming the method.

[0021] Further advantages, features, and details of the invention derive from the following description of preferred embodiments as well as from the drawings. The features and feature combinations previously mentioned in the description as well as the features and feature combinations mentioned in the following description of the figures and / or shown in the figures alone can be employed not only in the respectively indicated combination but also in any other combination or taken alone without leaving the scope of the invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The novel features and characteristic of the disclosure are set forth in the appended claims. The accompanying drawings, which are incorporated in and constitute a part of this disclosure, illustrate exemplary embodiments and together with the description, serve to explain the disclosed principles. The same numbers are used throughout the figures to reference like features and components. Some embodiments of system and / or methods in accordance with embodiments of the present subject matter are now described below, by way of example only, and with reference to the accompanying figures.

[0023] The drawings show in:

[0024] Fig. 1 a schematic view according to an embodiment of a communication device; and

[0025] Fig. 2 a schematic block diagram according to an embodiment of the method.

[0026] In the figures the same elements or elements having the same function are indicated by the same reference signs. DETAILED DESCRIPTION

[0027] In the present document, the word "exemplary" is used herein to mean "serving as an example, instance, or illustration". Any embodiment or implementation of the present subject matter described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments.

[0028] While the disclosure is susceptible to various modifications and alternative forms, specific embodiments thereof have been shown by way of example in the drawing and will be described in detail below. It should be understood, however, that it is not intended to limit the disclosure to the particular forms disclosed, but on the contrary, the disclosure is to cover all modifications, equivalents, and alternatives falling within the scope of the disclosure.

[0029] The terms “comprises”, “comprising”, or any other variations thereof, are intended to cover a non-exclusive inclusion so that a setup, device or method that comprises a list of components or steps does not include only those components or steps but may include other components or steps not expressly listed or inherent to such setup or device or method. In other words, one or more elements in a system or apparatus preceded by “comprises” or “comprise” does not or do not, without more constraints, preclude the existence of other elements or additional elements in the system or method.

[0030] In the following detailed description of the embodiment of the disclosure, reference is made to the accompanying drawing that forms part hereof, and in which is shown by way of illustration a specific embodiment in which the disclosure may be practiced. This embodiment is described in sufficient detail to enable those skilled in the art to practice the disclosure, and it is to be understood that other embodiments may be utilized and that changes may be made without departing from the scope of the present disclosure. The following description is, therefore, not to be taken in a limiting sense.

[0031] Fig. 1 shows a schematic view according to an embodiment of a communication device 10. As shown, the communication device 10 may be configured as a mobile phone. The communication device 10 may comprise a display device 12. Furthermore, the communication device 10 may comprise at least a storage device 14.

[0032] According to Fig. 1, just for example, a first car 16 may have a crash / accident 34 with a second car 18. The first car 16 was driven by a first driver 20, and the second car 18 was driven by a second driver 22. The communication device 10 may be a communication device 10 of the first driver 20. It is also possible that the second driver 22 may have a further communication device 10.

[0033] Fig. 2 shows a schematic flow chart according to an embodiment of the method. In particular, Fig. 2 shows the insurers 30, with, for example, the first insurer 26 for the first person 20 and a second insurer 32 for the second person 22. Furthermore, the car accident 34 is shown, wherein the first car 16 and the second car 18 are shown. Furthermore, the first driver 20 as well as the second driver 22 is shown. Furthermore, Fig. 2 shows a blockchain 36. The blockchain 36 uses first data 38 for the first car 16 and second data 40 for the second car 18.

[0034] Fig. 2 shows that the drivers 20, 22 need to swap their insurance details, which is indicated by an arrow 42. The second driver 22 may send the accident details 44 to the second insurer 32. The second insurer 32 may transmit insurance information 28 to the blockchain 36. The blockchain 26 may provide the insurance information 28 for the second driver 22.

[0035] The first driver 20 transmits the accident details 44 to the first insurance company 26. The first insurance company 26 transmits the insurance details, in particular the insurance information 28, to the blockchain 26. The blockchain 26 may transmit the insurance details, in particular the insurance information 28, to the first driver 24.

[0036] In particular, Fig. 2 shows a method for providing the insurance information 28 for an entity, for example, the drivers 20, 22, by the communication device 10. A request for the insurance information 28 is transmitted to an electronic computing device 46 of an insurance company 26, 32. The request is, for example, shown with the accident details 44. The insurance information 28 is received from the insurance company 26, 32 by the communication device 10. The insurance information 28 is stored in the storage device 14 of the communication device 10.

[0037] In particular, Fig. 2 shows the method that allows people, for example the first driver 20 and the second driver 22, wherein the first driver 20 and the second driver 22 may be a so-called entity, with the appropriate authority to digitally request this data as well as a governance structure that would allow the appropriate people or organizations to manage the data within.

[0038] An access request might be limited in scope to only parts of the data, for instance in a car crash between two motor vehicles 16, 18, they do not need to share details about the coverage, only about the fact that the other party has coverage.

[0039] While it could be implemented in a variety of ways, a blockchain 26 is a preferred method. A normal database could be used but would require additional setup requirements.

[0040] According to the shown embodiment, the insurance companies 26, 32 may be able to insert data into the blockchain 36 on a private network. They also might have the ability to give read access, via cryptographic tokens or keys, to whomever they choose. This means the insurance companies 26, 32 may allow, for example, an application, a website, an individual, or other means to see their own insurance details.

[0041] For example, as shown in Fig. 1, a QR-code is unique to a transaction and might be generated and provided to the party requesting the insurance information 28. The level for success is determined based on the situation and the credentials of the requesting party. The QR code might be provided by an application or a smartphone or displayed on the display device 12 available in a device of the motor vehicles 16, 18.

[0042] There are lots of potential times when one needs proof-of-insurance. Mostly it is used for verification purposes or when an incident covered by the insurance occurs.

[0043] Therefore, the method might be used for an accident 34, wherein the insurance information 28 is shared with other parties involved in the accident 34, the police or responders checking, or in the case of autonomous driving to prove that the vehicle is insured. Furthermore, the method can be used for obtaining license plates or tags of the motor vehicles 16, 18. Furthermore, the method can be used, for example, by talking to police, for example, when the police pulled the driver 20, 22 over and asks for license registration. Furthermore, the method may be used during renting a car, at home, for obtaining a mortgage / loan or during an employment, if driving is part of the job. Signs communication device display device storage device first motor vehicle second motor vehicle first driver second driver insurance first insurer insurance information insurers second insurer accident blockchain first data second data arrow accident details electronic computing device

Claims

1. A method for providing an insurance information (28) for an entity (20 ,22) by a communication device (10), comprising the steps of:- transmitting a request for the insurance information (28) to an electronic computing device (46) of an insurance company (26, 32) by the communication device (10);- receiving the insurance information (28) from the insurance company (26, 32) by the communication device (10); and- storing the insurance information (28) in a storage device (14) of the communication device (10).

2. The method according to claim 1, characterized in thatthe insurance information (28) is displayed on a display device (12) of the communication device (10).

3. The method according to claim 1 or 2, characterized in thatdepending on an event, an individual request is transmitted and depending on the individual request an individual insurance information (28) is transmitted to the communication device (10).

4. The method according to any one of claims 1 to 3, characterized in thatthe insurance information (28) is transmitted via a blockchain method.

5. The method according to claim 4, characterized in thatonly the insurance company (26, 32) is able to insert data into the blockchain (36).

6. The method according to any one of claims 1 to 5, characterized in thatthe insurance information (28) is transmitted to another communication device (10).

7. A computer program product comprising program code means for performing a method according to any one of claims 1 to 6.

8. A non-transitory computer-readable storage medium comprising the computer program product according to claim 7.

9. A communication device (10) for providing an insurance information (28) for an entity (20, 22), comprising at least one storage device (14), wherein the communication device (10) is configured for performing a method according to any one of claims 1 to 6.

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