Mobile Insurance Token Scanning for Automatic Claim Generation
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Solution Overview
Problem
Traditional hardcopy insurance cards are inefficient, prone to loss, and do not allow insurance companies to track when they are accessed, leading to delayed provision of insurance services, especially after incidents like vehicle collisions.
Innovation Solution
A method and apparatus for retrieving insurance information using a mobile device that scans an insurance information token affixed to a vehicle, allowing the retrieval and display of insurance details and sending a message to an insurance system, which can create records and determine if an incident occurred based on telematics data.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If hardcopy insurance cards are used, then insurance information can be stored and displayed, but the cards are prone to loss, misplacement, and require continuous replacement
Solution Approach 1:
The patent replaces physical hardcopy insurance cards with digital copies stored in a database. The system creates electronic replicas of insurance card information that can be accessed remotely via mobile devices, eliminating the need for physical card replacement and reducing loss/misplacement issues.
Solution Approach 2:
The patent substitutes the mechanical physical card system with an optical/digital system. Instead of physically handling, storing, and replacing paper cards, the system uses optical scanning of tokens and electronic database retrieval to provide insurance information, eliminating mechanical wear and physical loss.
2Ease of operation
If hardcopy insurance cards are used, then insurance information is accessible to drivers, but the insurance company cannot determine when cards are accessed
Solution Approach 1:
The patent implements a feedback mechanism where the system automatically tracks and records when insurance information is accessed. The mobile application logs access timing, location, and context data, providing continuous feedback to the insurance company about customer information retrieval patterns without interfering with ease of access.
Solution Approach 2:
The system automatically performs tracking and logging of insurance information access without requiring manual input from the customer. The mobile application self-records access events, timestamps, and contextual information, eliminating the need for customers to manually report card usage while maintaining ease of access.
3Ease of operation
If manual customer contact is required for insurance services, then customer service can be provided, but response time is delayed especially after incidents
Solution Approach 1:
The patent implements preliminary action by automatically detecting incidents through telematics data before customers need to contact the insurance company. The system proactively identifies accidents or incidents based on sensor data, vehicle telemetry, and contextual information, and initiates the claims process automatically, eliminating waiting time for customer initiation.
Solution Approach 2:
The system uses feedback from telematics sensors, mobile device data, and incident detection algorithms to automatically trigger insurance claims processing. The continuous feedback loop from vehicle sensors and mobile applications enables real-time incident detection and immediate automated response, significantly reducing response time compared to manual customer contact.
4Reliability
If continuous replacement of hardcopy cards is performed, then updated insurance information is provided, but resource consumption and cost increase
Solution Approach 1:
The patent eliminates the need for continuous physical card production by using digital copies stored in a database. When insurance information is updated, the system simply overwrites the digital record, which can then be accessed by customers without requiring new physical cards to be printed, mailed, and distributed.
Solution Approach 2:
The digital insurance card system serves multiple functions simultaneously: it provides the insurance information to customers, tracks access patterns, enables incident detection, and allows for instant updates. This multi-functional digital system replaces the single-function physical card, eliminating the need for continuous reproduction while maintaining information currency.
Data Source
AI summary
Systems and methods are provided for retrieving insurance information of an insurance customer at a mobile device. An insurance information token may be affixed to a vehicle and scanned by an optical input device of the mobile device. The optical input device may thus obtain optical input corresponding to the insurance information token. The insurance information of the insurance customer may be retrieved based on the optical input and presented at a display device of the mobile device upon retrieval. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned. Telematics information may also be analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.