# US 12,008,654 B2 · Automatic action-based product provisioning > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,654 B2 - Document ID: US12008654B2 - Status: Granted - Kind: B2 - Application number: 17/827,315 - Filed: 2022-05-27 - Published: 2022-09-15 - Granted: 2024-06-11 - Earliest claimed: 2019-06-13 - Assignees: Sure, Inc. - Applicants: Sure, Inc. - Inventors: Wayne Slavin - Web page: https://patentgrep.com/patent/US12008654B2 ## CPC - G06Q 40/08: Insurance - G06Q 10/06315: {Needs-based resource requirements planning or analysis} - G06Q 10/10: Office automation; Time management - G06Q 20/085: {involving remote charge determination or related payment systems} - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 50/40: Business processes related to the transportation industry (shipping G06Q10/083) - G01S 19/42: Determining position - 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 - G01S: RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES ## Abstract A mobile device initiates automatic action-based product provisioning for rides. The mobile device detects a ride protection trigger and alerts a management server of the detected ride protection trigger. The mobile device also retrieves ride information from a ride application and sends the ride information to the management server. The management server determines a ride action based on the ride protection trigger and the ride information. The management server identifies a product based on the determined ride action and sends the ride information and a request for a dynamic product to a product provisioning server. The product provisioning server generates the dynamic product based on the request and the ride information and sends the generated dynamic product to the management server. The management server may send the dynamic product to the mobile device for display. ## Claims ### Claim 1 A computer-implemented method for product provisioning, comprising: hooking, by a computing device, to a ride application upon a mobile device to monitor for a ride protection trigger, the ride protection trigger comprising an action that indicates initiation of a ride coordinated by the ride application; detecting, by the computing device, activation of the ride protection trigger for the ride, the detecting activation of the ride protection trigger comprising receiving corresponding ride information; identifying, by the computing device, a product based on the detected ride protection trigger and corresponding ride information; sending, by the computing device, to a product provisioning server, a request for a dynamic product that corresponds to the identified product; and automatically acquiring, by the computing device, the dynamic product based on a cost. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein detecting activation of the ride protection trigger further comprises: determining, based on the ride information, a pickup location for the ride; obtaining a location estimate of the mobile device; and determining, based on the location estimate, whether the mobile device is within a threshold distance from the pickup location; wherein the ride protection trigger is activated responsive to determining the mobile device is within the threshold distance from the pickup location. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the product is a ride insurance policy that insures a user of the mobile device for a duration of the ride. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, further comprising: determining, based on the detected ride protection trigger and corresponding ride information, a particular ride action from a set of ride actions; and identifying a relevant product from a set of products corresponding to a user of the mobile device based on the particular ride action, wherein the relevant product corresponds to a type of vehicle of a vehicle identified in the ride information; wherein the request for the dynamic product is specified for the relevant product. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein the ride information comprises one or more of an identified vehicle, an expected duration of the ride, a make and model of the vehicle, a mileage of the vehicle, a location of the vehicle, an expected path of the ride, a pickup location for the ride, an expected average speed for the ride, personal information of a driver, a driver history of a driver, personal information of a user, rider history of a user, stored information about past drives and past rides of other drivers and riders, and past ride insurance prices of other riders. ### Claim 6 (depends on 1) The computer-implemented method of claim 1, wherein the product is ride insurance, further comprising: receiving, from the mobile device, an insurance claim corresponding to the ride insurance, wherein the insurance claim comprises at least one of time-stamped global positioning system (GPS) data of the mobile device and time-stamped GPS data of a vehicle; sending the insurance claim to the product provisioning server, wherein the product provisioning server validates the insurance claim based on the time-stamped GPS data; and receiving, from the product provisioning server, an insurance payout based on the insurance claim. ### Claim 7 (depends on 1) The computer-implemented method of claim 1, further comprising: receiving, from a mobile device, a second ride protection trigger for a second ride and corresponding second ride information; identifying a second product based on the second ride protection trigger and second ride information; determining that a user of the mobile device is not associated with the second product; and sending for display, to the mobile device, a notification that the user does not have the second product. ### Claim 8 A non-transitory computer-readable storage medium storing computer program instructions executable by a processor to perform operations, the operations comprising: hooking, by a computing device, to a ride application upon a mobile device to monitor for a ride protection trigger, the ride protection trigger comprising an action that indicates initiation of a ride coordinated by the ride application; detecting, by the computing device, activation of the ride protection trigger for the ride, the detecting activation of the ride protection trigger comprising receiving corresponding ride information; identifying, by the computing device, a product based on the detected ride protection trigger and corresponding ride information; sending, by the computing device, to a product provisioning server, a request for a dynamic product that corresponds to the identified product; and automatically acquiring, by the computing device, the dynamic product based on a cost. ### Claim 9 (depends on 8) The non-transitory computer-readable storage medium of claim 8, the operations further comprising: determining, based on the ride information, a pickup location for the ride; obtaining a location estimate of the mobile device; and determining, based on the location estimate, whether the mobile device is within a threshold distance from the pickup location; wherein the ride protection trigger is activated responsive to determining the mobile device is within the threshold distance from the pickup location. ### Claim 10 (depends on 8) The non-transitory computer-readable storage medium of claim 8, wherein the product is a ride insurance policy that insures a user of the mobile device for a duration of the ride. ### Claim 11 (depends on 8) The non-transitory computer-readable storage medium of claim 8, the operations further comprising: determining, based on the detected ride protection trigger and corresponding ride information, a particular ride action from a set of ride actions; and identifying a relevant product from a set of products corresponding to a user of the mobile device based on the particular ride action, wherein the relevant product corresponds to a type of vehicle of a vehicle identified in the ride information; wherein the request for the dynamic product is specified for the relevant product. ### Claim 12 (depends on 8) The non-transitory computer-readable storage medium of claim 8, wherein the identified product is an existing product, and the dynamic product is a reduced cost for the existing product. ### Claim 13 (depends on 8) The non-transitory computer-readable storage medium of claim 8, wherein the product is ride insurance, the operations further comprising: receiving, from the mobile device, an insurance claim corresponding to the ride insurance, wherein the insurance claim comprises at least one of time-stamped global positioning system (GPS) data of the mobile device and time-stamped GPS data of a vehicle; sending the insurance claim to the product provisioning server, wherein the product provisioning server validates the insurance claim based on the time-stamped GPS data; and receiving, from the product provisioning server, an insurance payout based on the insurance claim. ### Claim 14 (depends on 8) The non-transitory computer-readable storage medium of claim 8, the operations further comprising: receiving, from a mobile device, a second ride protection trigger for a second ride and corresponding second ride information; identifying a second product based on the second ride protection trigger and second ride information; determining that a user of the mobile device is not associated with the second product; and sending for display, to the mobile device, a notification that the user does not have the second product. ### Claim 15 A system, comprising: a processor; and a non-transitory computer-readable storage medium storing computer program instructions executable by the processor to perform operations, the operations comprising: hooking, by a computing device, to a ride application upon a mobile device to monitor for a ride protection trigger, the ride protection trigger comprising an action that indicates initiation of a ride coordinated by the ride application; detecting, by the computing device, activation of the ride protection trigger for the ride, the detecting activation of the ride protection trigger comprising receiving corresponding ride information; identifying, by the computing device, a product based on the detected ride protection trigger and corresponding ride information; sending, by the computing device, to a product provisioning server, a request for a dynamic product that corresponds to the identified product; and automatically acquiring, by the computing device, the dynamic product based on a cost. ### Claim 16 (depends on 15) The system of claim 15, further comprising: determining, based on the ride information, a pickup location for the ride; obtaining a location estimate of the mobile device; and determining, based on the location estimate, whether the mobile device is within a threshold distance from the pickup location; wherein the ride protection trigger is activated responsive to determining the mobile device is within the threshold distance from the pickup location. ### Claim 17 (depends on 15) The system of claim 15, wherein the product is a ride insurance policy that insures a user of the mobile device for a duration of the ride. ### Claim 18 (depends on 15) The system of claim 15, further comprising: determining, based on the detected ride protection trigger and corresponding ride information, a particular ride action from a set of ride actions; and identifying a relevant product from a set of products corresponding to a user of the mobile device based on the particular ride action, wherein the relevant product corresponds to a type of vehicle of the vehicle included in the ride information; wherein the request for the dynamic product is specified for the relevant product. ### Claim 19 (depends on 15) The system of claim 15, wherein the product is ride insurance, further comprising: receiving, from the mobile device, an insurance claim corresponding to the ride insurance, wherein the insurance claim comprises at least one of time-stamped global positioning system (GPS) data of the mobile device and time-stamped GPS data of a vehicle; sending the insurance claim to the product provisioning server, wherein the product provisioning server validates the insurance claim based on the time-stamped GPS data; and receiving, from the product provisioning server, an insurance payout based on the insurance claim. ### Claim 20 (depends on 15) The system of claim 15, further comprising: receiving, from a mobile device, a second ride protection trigger for a second ride and corresponding second ride information; identifying a second product based on the second ride protection trigger and second ride information; determining that a user of the mobile device is not associated with the second product; and sending for display, to the mobile device, a notification that the user does not have the second product.