# US 10,121,148 B1 · Assistance on the go > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,121,148 B1 - Document ID: US10121148B1 - Status: Granted - Kind: B1 - Application number: 15/258,312 - Filed: 2016-09-07 - Granted: 2018-11-06 - Earliest claimed: 2009-08-19 - Assignees: Allstate Insurance Company - Applicants: Allstate Insurance Company - Inventors: Tara Cavallaro Kozlowski; Ryan M. Briggs; Imran Iqbal - Web page: https://patentgrep.com/patent/US10121148B1 ## CPC - G06Q 30/016: After-sales - G06F 3/04817: using icons (graphical or visual programming using iconic symbols G06F8/34) - G06F 3/0482: Interaction with lists of selectable items, e.g. menus - G06F 3/04842: Selection of displayed objects or displayed text elements (G06F3/0482 takes precedence) - G06Q 20/388: {using mutual authentication without cards, e.g. challenge-response} - G06Q 30/0251: Targeted advertisements - G06Q 40/08: Insurance - G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)} - G07F 7/0833: {Card having specific functional components} - G07F 7/1008: {Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system} - G08G 1/0967: Systems involving transmission of highway information, e.g. weather, speed limits (transmission of navigation instructions to the vehicle G08G1/0968) - H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46) - H04L 67/12: specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks - H04M 3/487: Arrangements for providing information services, e.g. recorded voice services or time announcements - H04W 4/02: Services making use of location information - H04W 4/021: Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences - H04W 4/029: Location-based management or tracking services - H04W 4/44: for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H] - H04W 4/70: Services for machine-to-machine communication [M2M] or machine type communication [MTC] - H04W 84/12: WLAN [Wireless Local Area Networks] - G08G 1/205: {Indicating the location of the monitored vehicles as destination, e.g. accidents, stolen, rental} - H04M 2201/38: Displays - H04M 2207/18: wireless networks - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G07C: TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - G08G: TRAFFIC CONTROL SYSTEMS (guiding railway traffic, ensuring the safety of railway traffic B61L; arrangement of road signs or traffic signals E01F9/00; radar or analogous systems, sonar systems, lidar systems specially adapted for traffic control G01S13/91, G01S15/88, G01S17/88; {radar or analogous systems, sonar systems, lidar systems specially adapted for anti-collision purposes G01S13/93, G01S15/93, G01S17/93}) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## 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. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The apparatus of claim 1, wherein the memory storing computer-executable instructions that when executed by the processor cause the apparatus to perform steps further comprising: displaying a series of icons, wherein each of the series indicates a user's progress for obtaining roadside assistance. ### Claim 3 (depends on 1) The apparatus of claim 1, wherein: the wireless component is configured to transmit insurance information from the electronic membership card; and the transmitted insurance information is received at a second apparatus corresponding to a second vehicle. ### Claim 4 (depends on 1) The apparatus of claim 1, wherein: the data store is located on a remote server; and the wireless component communicates with the data store. ### Claim 5 (depends on 1) The apparatus of claim 1, wherein the data store is located in the apparatus. ### Claim 6 (depends on 1) The apparatus of claim 1, wherein: the data store further stores contact information associated with the electronic membership card; and the contact information comprises a telephone number and a name of at least one person to contact after the occurrence of the roadside event. ### Claim 7 (depends on 6) The apparatus of claim 6, the memory storing computer-executable instructions that when executed by the processor cause the apparatus to perform steps further comprising: prior to contacting the at least one person, transmitting, by the apparatus, relevant information to a remote server associated with the at least one person, wherein the relevant information comprises a location of the vehicle and a selected roadside assistance service. ### Claim 8 (depends on 1) The apparatus of claim 1, the apparatus comprising a first data store, the memory storing computer-executable instructions that when executed by the processor cause the apparatus to perform: retrieving, from a first data store a first portion of the membership information and from a second data store a second portion of the membership information, associated with the vehicle, wherein the first data store is located at the apparatus and the second data store is externally located to the apparatus and wherein the first portion of the membership information includes an identifier that uniquely identifies the roadside assistance program; dynamically updating, by the apparatus, the electronic membership card with the second portion of the membership information from the second data store; and displaying, by the apparatus, the electronic membership card with the first and second portions of the membership information. ### Claim 9 (depends on 8) The apparatus of claim 8, wherein the second portion of the membership information includes an offering in conjunction with a third party, wherein the third party does not provide the roadside assistance services. ### Claim 10 (depends on 9) The apparatus of claim 9, wherein the memory further cause the apparatus to perform: generating an icon within the electronic membership card for representing the offering. ### Claim 11 (depends on 8) The apparatus of claim 8, wherein the second portion of the membership information includes a change for the user in the roadside assistance program. ### Claim 12 (depends on 1) The apparatus of claim 1, wherein the memory storing computer-executable instructions that when executed by the processor cause the apparatus to perform steps further comprising: deactivating the electronic membership card in response to determining that the user does not have registered membership. ### Claim 13 (depends on 1) The apparatus of claim 1, wherein the membership information includes information about offered promotions. ### Claim 14 (depends on 1) The apparatus of claim 1, further comprising a display component configured to display retrieved membership information represented by a plurality of icons, wherein an input is indicative of a selected icon from the plurality of icons. ### Claim 15 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. ### Claim 16 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. ### Claim 17 (depends on 16) An apparatus of claim 16, wherein the memory storing computer-executable instructions that when executed by the processor cause the apparatus to perform steps further comprising: generating a notification when the adjusted total risk score is less than a predetermined amount. ### Claim 18 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. ### Claim 19 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. ### Claim 20 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.