Handheld Electronic Device Digital Insurance Proof Display

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Solution Overview

Problem

Paper-based proof of insurance cards are often misplaced, leading to issues during traffic stops and incur significant costs for insurance companies due to printing and mailing of replacement cards, while existing electronic solutions do not fully leverage the potential of handheld devices for displaying official documents.

Innovation Solution

The system allows for the display of official documents, such as proof of insurance, on handheld electronic devices by transmitting digital graphic representations of these documents, including digital signatures, enabling users to demonstrate insurance coverage through a graphical format file retrieved from an insurance company data source.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If paper-based proof of insurance cards are used, then users can physically carry and present the document, but the cards are frequently misplaced and incur significant costs for printing and mailing replacements

Engineering Contradiction:

Improveavailability of proof of insuranceVSAvoidcost of paper replacements

Core Design Contradiction:

ReliabilityVSLoss of substance

Solution Approach 1:

The patent creates a digital copy of the proof of insurance document that can be stored and displayed on a handheld electronic device. This digital copy serves as a replacement for the physical paper card, eliminating the need for printing and mailing physical replacements while maintaining the document's authenticity through digital security measures.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical paper-based document system with an electronic digital system. Instead of physical cards that can be lost or damaged, the system uses electronic storage and display capabilities of handheld devices to provide the same proof of insurance function, thereby eliminating costs associated with paper production and distribution.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Ease of operation

If paper-based proof of insurance cards are used, then users can present them during traffic stops, but they are often misplaced leading to citations and additional time expenditure

Engineering Contradiction:

Improveability to present proof of insuranceVSAvoidtime for replacement card processing

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The system pre-stores the digital proof of insurance document on the user's handheld electronic device before a traffic stop occurs. This preliminary action ensures that the document is immediately available for presentation when needed, eliminating the time required to request, receive, and process replacement physical cards after a loss or malfunction.

Inventive Principle:

Principle #10Preliminary action

3Ease of operation

If electronic documents are displayed on handheld devices, then accessibility and convenience are improved, but the system complexity increases

Engineering Contradiction:

Improveaccessibility of official documentsVSAvoidelectronic document system

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The patent leverages the universal functionality of handheld electronic devices (such as smartphones and tablets) that users already possess. Instead of requiring a specialized new device, the system uses existing multi-functional devices capable of displaying various types of information, thereby reducing the perceived complexity while maintaining ease of operation.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent employs a secure digital display on a handheld electronic device as an intermediary between the user and the official document. This intermediary interface simplifies the user interaction by presenting the document in a familiar format on a device they already own, while the underlying system complexity is hidden behind this user-friendly interface layer.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS11019007B1Systems and methods for providing electronic official documents

Publication Date: 2021.05.25 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

AI summary

The present innovation pertains to providing an electronic representation of an official document, such as proof of insurance, to an electronic handheld devices: The handheld electronic device may utilize a Web browser to access the representation of the official document, or may request a copy through e-mail, and the representation of the official document may be digitally signed for enhanced proof of authenticity.