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US 11,688,016 B2Granted
Mobile device disabling and verification system and method
AssigneeHartford Fire Insurance Company
InventorsJames A. Russo, Kelly J. McLaughlin, Lawrence J. Opena, Cindy S. DeLeón
Life of this patent
Estimating the term…
Abstract
A system and method for processing and administering insurance policy premium discounts for mobile device disabling technology to promote safer driver is disclosed. An insurance policy premium discount is determined based on the level of disabling technology implemented by a user on a user's mobile device.
Claims16
A system for providing for implementation and verification of use of a mobile device disabling technology in a vehicle, comprising:
- a mobile device, wherein the mobile device is configured to:
- execute instructions of an installed mobile device disabling application, the mobile device disabling application:
- (a) causing the mobile device to communicate with a vehicle computer system;
- and (b) disabling one or more communications capabilities of the mobile device;
- and
- execute instructions of an installed verification application, the installed verification application:
- (a) causing the mobile device to compare, to verification rules, results of checking at least an empty text message log, on the mobile device, to verify absence of tampering;
- and (b) causing the mobile device to transmit results of the verification, the transmitted results of the verification, responsive to determining that the text message log is empty, constituting an indication of tampering;
- a central computer system, in communication with the mobile device, comprising:
- one or more data storage devices storing data indicative of:
- a selected mobile device disabling technology associated with each of remote users and third parties;
- and correlations between each of a plurality of mobile device disabling technologies and each of a plurality of discount levels;
- and
- a rules processor configured to:
- determine a premium for a risk coverage policy based on the correlated discount level for the mobile device disabling technology used in relation to the risk coverage policy;
- receive a result of the verification from the mobile device;
- based on the result of the verification, maintain the determined premium, or modify the determined premium by discontinuing the determined premium or applying a different one of the plurality of discount levels;
- and
- transmit, by a communications interface to the mobile device, data indicative of a modified discount level.
16 more elements
A computerized method for providing for implementation of mobile device disabling technology in a vehicle, the method comprising:
- by a mobile device, executing instructions of an application program for disabling the mobile device, communicating with a vehicle computer system and disabling one or more communications capabilities of the mobile device;
- by the mobile device, executing instructions of an installed verification application, verifying absence of tampering at least by checking for one or more empty logs, including at least an empty text message log, on the mobile device;
- and transmitting to a communications interface results of the verification, the transmitted results of the verification, responsive to determining that the text message log is empty, comprising an indication that the empty text message log has been identified;
- receiving by one or more processors of a computer server, via the communications interface, mobile device disabling technology usage verification data from the mobile device;
- storing data in one or more data storage devices related to a plurality of risk coverage policies, a plurality of mobile device disabling technologies and a plurality of discount levels correlated with each of the plurality of mobile device disabling technologies;
- determining, by the one or more processors, a premium for a risk coverage policy based on the correlated discount level for the mobile device disabling technology used in relation to the risk coverage policy;
- receiving, by the one or more processors, a result of the verification from the mobile device;
- based on the verification, maintaining by the one or more processors the correlated discount level, or modifying by the one or more processors the correlated discount level by discontinuing the discount or applying a different one of the plurality of discount levels;
- and
- transmitting, by the communications interface to the mobile device, data indicative of a modified discount level.
7 more elements
Dependencies are inferred from the claim text.