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US 10,121,148 B1Granted
Assistance on the go
AssigneeAllstate Insurance Company
InventorsTara Cavallaro Kozlowski, Ryan M. Briggs, Imran Iqbal
Life of this patent
Estimating the term…
Abstract
A mobile computerized apparatus configured to provide membership status in a roadside assistance program after occurrence of a roadside event is disclosed. The apparatus executes instructions that cause/allow the apparatus to receive input related to an electronic membership card, retrieve from a data store membership information associated with the vehicle, and dynamically update the electronic membership card for display on the apparatus.
Claims20
An apparatus, comprising:
- a communications component receiving data messages via a wireless communication channel;
- a processor for executing computer-executable instructions;
- a memory storing computer-executable instructions that when executed by the processor cause the apparatus to perform steps comprising:
- obtaining, from a data store, membership information associated with a vehicle, wherein the membership information includes policy information about a policy providing coverage on the vehicle;
- when the membership information changes, dynamically updating, by the apparatus, updates to an electronic membership card with updated policy information obtained from received data through the communications component;
- displaying, by the apparatus, the electronic membership card, wherein the electronic membership card uniquely identifies a user in a roadside assistance program and is indicative of the updated policy information;
- after an occurrence of a roadside event, displaying, by the apparatus, a list of a plurality of available roadside assistance services, wherein the available services are based on a membership level;
- receiving an input for a selected roadside service from the plurality of available roadside assistance services;
- and
- displaying an indicator enabling the user to indicate when the selected roadside service has been completed, wherein the user authorizes a payment based on the membership level.
7 more elements
A non-transitory computer-readable medium storing computer-executable instructions that, when executed by a processor, cause an apparatus to perform:
- obtaining membership information associated with a vehicle, wherein the membership information includes policy information about coverage of the vehicle;
- when the membership information changes, dynamically updating the membership card with policy information;
- displaying the membership card, wherein the membership card uniquely identifies a user specified by the policy and is indicative of the updated policy information;
- after an occurrence of a roadside event to the vehicle, receiving an input related to an electronic membership card;
- displaying a membership level of the user in a roadside assistance program;
- after the occurrence of the roadside event, displaying a list of a plurality of available roadside assistance services, wherein the available services are based on the membership level;
- receiving the input for a selected roadside service from the plurality of available roadside assistance services;
- and
- displaying an indicator enabling the user to indicate when the selected roadside service has been completed, wherein the user authorizes a payment amount based on the membership level.
6 more elements
An apparatus, comprising:
- a communications component receiving data messages via a wireless communication channel;
- a processor for executing computer-executable instructions;
- a memory storing computer-executable instructions that when executed by the processor cause the apparatus to perform steps comprising:
- obtaining, from a data store, membership information associated with a vehicle, wherein the membership information includes policy information about a policy providing coverage on the vehicle, wherein the policy information includes a total risk score for the policy;
- when the membership information changes, dynamically updating, by the apparatus, updates to an electronic membership card with updated policy information obtained from received data through the communications component;
- displaying, by the apparatus, the electronic membership card, wherein the electronic membership card uniquely identifies a user in a roadside assistance program and is indicative of the updated policy information;
- determining a route risk value for a route travelled by the vehicle;
- and
- deducting the route risk value from the total risk score to obtained an adjusted total risk score.
6 more elements
A method comprising:
- obtaining membership information associated with a vehicle, wherein the membership information includes policy information about a policy providing coverage on the vehicle;
- when the membership information changes, dynamically updating updates to an electronic membership card with updated policy information obtained from received data;
- displaying the electronic membership card, wherein the electronic membership card uniquely identifies a user in a roadside assistance program and is indicative of the updated policy information;
- after an occurrence of a roadside event, displaying a list of a plurality of available roadside assistance services, wherein the available services are based on a membership level;
- receiving an input for a selected roadside service from the plurality of available roadside assistance services;
- and
- displaying an indicator enabling the user to indicate when the selected roadside service has been completed, wherein the user authorizes a payment based on the membership level.
4 more elements
A method comprising:
- obtaining membership information associated with a vehicle, wherein the membership information includes policy information about a policy providing coverage on the vehicle, wherein the policy information includes a total risk score for the policy;
- when the membership information changes, dynamically updating updates to an electronic membership card with updated policy information obtained from received data;
- displaying the electronic membership card, wherein the electronic membership card uniquely identifies a user in a roadside assistance program and is indicative of the updated policy information;
- determining a route risk value for a route travelled by the vehicle;
- and
- deducting the route risk value from the total risk score to obtained an adjusted total risk score.
3 more elements
A non-transitory computer-readable medium storing computer-executable instructions that, when executed by a processor, cause an apparatus to perform:
- obtaining membership information associated with a vehicle, wherein the membership information includes policy information about a policy providing coverage on the vehicle, wherein the policy information includes a total risk score for the policy;
- when the membership information changes, dynamically updating updates to an electronic membership card with updated policy information obtained from received data;
- displaying the electronic membership card, wherein the electronic membership card uniquely identifies a user in a roadside assistance program and is indicative of the updated policy information;
- determining a route risk value for a route travelled by the vehicle;
- and
- deducting the route risk value from the total risk score to obtained an adjusted total risk score.
3 more elements
Dependencies are inferred from the claim text.