Mobile Device Risk Assessment via Automated Self-Diagnostic Testing
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Solution Overview
Problem
Current insurance policies for mobile devices are challenging to assess risk accurately, as the state of the device is often unknown at the time of insurance initiation, and existing methods require immediate registration and inconvenient claim verification processes.
Innovation Solution
A method involving a mobile device testing application that evaluates the device's operational state, calculates risk, and offers a protection policy, allowing for enrollment in insurance programs based on calculated risk, and provides a streamlined claim verification process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If visual inspection is performed by an employee, then some device state information can be obtained, but numerous components remain untested and risk assessment is inaccurate
Solution Approach 1:
The mobile device performs self-diagnosis through automated testing applications that evaluate its own components and functionality. The device collects and transmits test data to the insurance provider, eliminating the need for manual employee inspection while achieving comprehensive component testing.
Solution Approach 2:
Manual visual inspection by employees is replaced with automated electronic testing systems. Software applications run diagnostic tests on device components, substituting human sensory evaluation with systematic electronic measurement and data collection.
2Reliability
If registration is required within a short period following sale, then the device state is known at enrollment, but enrollment flexibility is reduced and many users miss the window
Solution Approach 1:
Device testing and state assessment are performed in advance of insurance enrollment. The system collects comprehensive device data through automated testing before the user applies for coverage, allowing accurate risk assessment regardless of when enrollment occurs during the device lifecycle.
Solution Approach 2:
The insurance enrollment system transitions from a static time-window model to a dynamic state-based model. Enrollment is enabled whenever the device state is properly assessed and documented, allowing flexible enrollment timing while maintaining risk assessment reliability through automated testing.
3Reliability
If claim verification requires customer service center visit, then damage can be verified, but user convenience is reduced and verification process is disruptive
Solution Approach 1:
The mobile device performs self-diagnosis and automatically generates claim documentation. The device's testing application evaluates its own state, compares it to pre-enrollment baseline data, and submits verification information electronically, eliminating the need for customer service center visits while maintaining verification accuracy.
Solution Approach 2:
The system implements continuous feedback loops where device test data is automatically collected, transmitted to the insurance provider, and used for real-time risk assessment and claim verification. This automated feedback mechanism replaces manual verification processes while maintaining reliability.
4Measurement precision
If comprehensive device testing is implemented, then accurate risk calculation is achieved, but testing time and device complexity increase
Solution Approach 1:
The testing system implements a tiered approach, performing essential diagnostic tests that provide sufficient data for risk assessment without exhaustively testing every possible device function. The system identifies and executes only the most critical tests needed for accurate insurance risk calculation.
Solution Approach 2:
Device testing is performed in advance of enrollment, allowing comprehensive assessment to be completed before the insurance policy begins. This preliminary testing eliminates the need for repeated testing during the policy period, reducing total time investment while maintaining accuracy.
Data Source
AI summary
One embodiment includes a method for offering a protection policy for a mobile device, the method comprising the steps of providing an application, conducting a test of the mobile device, calculating the risk of protecting the mobile device, and offering an protection policy. The application is configured to operate on the mobile device and to test at least one function of the mobile device. The test is conducted by the application and verifies at least one function of the mobile device through the application. The risk of protecting the mobile device is based upon at least one result of the test. The protection policy for the mobile device is based upon the calculated risk, has a cost, and is offered for purchase to a user of the mobile device.