Mobile Insurance App Wireless Data Exchange
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Solution Overview
Problem
Current methods for exchanging insurance information, such as using paper and pen or taking photos, are inefficient and prone to loss or unavailability, especially in stressful situations like vehicle incidents, necessitating a more reliable and efficient approach.
Innovation Solution
A computer-implemented method and system that enables wireless exchange of insurance information between mobile devices using insurance applications, which can initiate transmission via gestures like a 'bump' and are integrated with vehicle telematics data to automate the process, including notification to an insurance system for follow-up actions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If paper and pen are used to exchange insurance information, then the information can be manually recorded and shared, but the information is easily lost and damaged and paper may not be available in some situations
Solution Approach 1:
The patent uses digital copies of insurance information stored on mobile devices instead of physical paper copies. The insurance application accesses and transmits digital insurance card data, eliminating the need for physical paper while maintaining information accessibility and reliability.
Solution Approach 2:
The patent replaces the mechanical paper-and-pen system with an electronic digital transmission system. Instead of manually writing information on paper, the system uses mobile device processors and communication interfaces to automatically transmit insurance information electronically.
2Loss of information
If photo taking is used to exchange insurance information, then digital records can be created, but copying insurance information becomes prohibitively difficult when drivers are rattled by the severity of the incident
Solution Approach 1:
The insurance application automatically retrieves and transmits insurance information without requiring the user to manually access or copy data. The system self-services by accessing stored insurance card data and initiating transmission, eliminating the cognitive burden on stressed drivers.
Solution Approach 2:
The insurance information is pre-loaded and stored digitally in the mobile device before any incident occurs. This preliminary preparation ensures that when an incident happens, the information is immediately accessible without requiring the driver to search for or manually input data under stress.
3Ease of operation
If manual paper exchange is used, then insurance information can be shared between drivers, but the process is time-consuming and inefficient
Solution Approach 1:
The patent replaces manual paper-based information exchange with automated electronic transmission. The mobile device's communication interface and processor automatically transmit insurance data over a network, dramatically increasing exchange speed while maintaining sharing capability.
Data Source
AI summary
Systems, devices, and methods described herein are directed towards sharing and exchanging insurance information between individuals. An insurance application is provided to a mobile computing device, and the insurance application is configured to transmit insurance information to another mobile computing device. Transmission of insurance information from the mobile computing device to the other mobile computing device may be initiated using the insurance application. A message may be generated that indicates the insurance information was transmitted from the mobile computing device to the other mobile computing device. The message may be sent to an insurance system, and receipt of the message at the insurance system may cause the insurance system to respond to the transmission of insurance information from the mobile device to the other mobile device. The transmission of insurance information may be initiated in response to a bump gesture performed between the mobile device and the other mobile device.