Onboarding System Using Telematics Data Inversion

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Solution Overview

Problem

Current service application onboarding systems face inefficiencies and inaccuracies due to inadequate IT infrastructure in vehicle providers, leading to difficulties in obtaining timely and accurate customer information, which results in failed onboarding and customer retention issues.

Innovation Solution

A computer-implemented method for reduced-reliance service application onboarding, involving the generation of a custom onboarding message with machine-readable symbology or links, sent to user devices, allowing customers to onboard seamlessly by accessing the message through accessible communication channels, thereby minimizing manual input and reliance on provider systems.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional onboarding systems are used that rely on provider systems for data collection, then customer information can be obtained through direct interaction, but the process becomes slow, inaccurate, and prone to failure when provider IT infrastructure is inadequate

Engineering Contradiction:

Improveonboarding success rateVSAvoidonboarding time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

Instead of having the service application system wait for provider systems to supply customer data, the invention inverts the approach by having the service application system directly contact the customer's device through accessible communication channels to obtain onboarding data independently of the provider's IT infrastructure

Inventive Principle:

Principle #13The other way round (Inversion)

Solution Approach 2:

The invention introduces an intermediary communication mechanism that bypasses the provider system entirely. The service application system uses direct communication channels (such as SMS, email, or other messaging services) to interact with the customer device, eliminating the need for reliable provider IT infrastructure in the data collection process

Inventive Principle:

Principle #24Intermediary (Mediator)

2Loss of information

If manual data input methods are used during onboarding, then customer information can be collected, but the process becomes error-prone and requires excessive user interaction

Engineering Contradiction:

Improvedata accuracyVSAvoiduser interaction required

Core Design Contradiction:

Loss of informationVSEase of operation

Solution Approach 1:

The customer device automatically provides onboarding data in response to the service application system's communication, eliminating the need for manual user input. The customer's device itself serves as the source of accurate data by automatically responding to verification requests or providing pre-stored information

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The invention replaces manual mechanical data entry processes with automated electronic communication. Instead of users manually typing information, the system uses automated messaging and data exchange between the service application system and the customer device to collect and verify information

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Adaptability or versatility

If multiple disparate computing systems are involved in the onboarding process, then data can be gathered from various sources, but communication difficulties and interoperation problems arise

Engineering Contradiction:

Improvedata source flexibilityVSAvoidsystem integration complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The invention extracts the data collection function from the complex multi-system provider infrastructure and places it directly between the service application system and the customer device. This isolation eliminates the need for intricate interoperation between disparate systems while maintaining the ability to gather necessary data

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS20240078558A1Apparatuses, computer-executed methods, and computer program products for reduced-reliance application onboarding

Publication Date: 2024.03.07 ASSURANT INC

AI summary

A computer-implemented method for pre-onboarding user access control to subject information is provided. The method includes receiving acquisition data that includes the subject information associated with a subject, receiving telematics data associated with the subject, and associating the telematics data with a subject data object that comprises at least a portion of the subject information. The method includes causing rendering of a graphical user interface at a user device in response to receiving a first indication based on interaction with (i) an onboarding hyperlink via the user device or (ii) a machine-readable symbology. The method includes causing the graphical user interface to display at least a portion of the telematics data on the user device while the subject data object is pending onboarding, such that the acquisition data is configured to facilitate access to the telematics data on the user device while the subject data object is pending onboarding.