Systems and methods for enhancing insurance operations using a mobile driver's license

An apparatus for using a mobile driver's license (mDL) to enhance insurance data exchange for an insurance event, the apparatus comprising:

• detection circuitry configured to detect occurrence of the insurance event, wherein detecting the occurrence of the insurance event comprises identifying a presence of a user device within a provider environment using a previously established virtual boundary, wherein the previously established virtual boundary goes around a physical location and was made using geofencing technology;
• communications hardware configured to:
• transmit an identity verification request to the user device, wherein the user device is associated with a user, and
• in response to transmitting the identity verification request, receive from the user device, an identity verification response, wherein the identity verification response comprises the mDL;
• and
• mDL management circuitry configured to:
• verify, based on the identity verification response, authenticity of the mDL, wherein to verify the authenticity of the mDL, the mDL is further configured to:
• receive, based on the mDL, an mDL authentication request, wherein the mDL authentication request is a request to authenticate the mDL associated with the user;
• generate, based on the mDL authentication request, a digital token;
• transmit the digital token to an issuing authority (IA) system associated with an IA that provisioned the mDL to the user;
• receive, from the IA system, a mDL validity response, wherein the mDL validity response is generated based on the digital token, and where the mDL validity response indicates verified credential data associated with the mDL;
• and
• verify, based on the mDL validity response, the authenticity of the mDL;
• in response to verifying the authenticity of the mDL, generate, using a risk determination model, a secondary verification protocol,
• verify, using the secondary verification protocol, an identity of the user, and
• in response to verifying the identity of the user, identify an insurance entity associated with the mDL,
• wherein the communications hardware is further configured to:
• transmit to the insurance entity, an insurance data request, and
• cause transmission, to a provider device and in response to the insurance data request, insurance data associated with the user.

A computer program product for using a mobile driver's license (mDL) to enhance insurance data exchange for an insurance event, the computer program product comprising at least one non-transitory computer readable storage medium storing software instructions that, when executed, cause an apparatus to:

• detect, by detection circuitry, occurrence of the insurance event, wherein detecting the occurrence of the insurance event comprises identifying a presence of a user device within a provider environment using a previously established virtual boundary, wherein the previously established virtual boundary goes around a physical location and was made using geofencing technology;
• transmit an identity verification request to the user device, wherein the user device is associated with a user;
• in response to transmitting the identity verification request, receiving from the user device, an identity verification response, wherein the identity verification response comprises the mDL;
• verify, based on the identity verification response, authenticity of the mDL, wherein to verify the authenticity of the mDL, by causing an apparatus to:
• receive, based on the mDL, an mDL authentication request, wherein the mDL authentication request is a request to authenticate the mDL associated with the user;
• generate, based on the mDL authentication request, a digital token;
• transmit the digital token to an issuing authority (IA) system associated with an IA that provisioned the mDL to the user;
• receive, from the IA system, a mDL validity response, wherein the mDL validity response is generated based on the digital token, and where the mDL validity response indicates verified credential data associated with the mDL;
• and
• verify, based on the mDL validity response, the authenticity of the mDL;
• in response to verifying the authenticity of the mDL, generate, using a risk determination model, a secondary verification protocol,
• verify, using the secondary verification protocol, an identity of the user,
• in response to verifying the identity of the user, identify an insurance entity associated with the mDL;
• transmit to the insurance entity, an insurance data request, and
• cause transmission, to a provider device and in response to the insurance data request, insurance data associated with the user.