Back to results
US 2020/0027167 A1Published application
Real time verification of vehicle insurance coverage
OwnerJeno Harris, Brandon Hunterinventors
Life of this patent
Estimating the term…
Abstract
The Carence embodiments demonstrate a new innovative way to provide “Real Time” vehicle insurance coverage. A plastic insurance card including a security chip provides “Real Time” reporting of ACTIVE or INACTIVE insurance coverage.
Claims13
A system for real time verifying vehicle insurance coverage, the system comprising:
- a memory;
- and
- a processing unit coupled to the memory configured to:
- store a plurality of identifier associated with a vehicle operator or a vehicle;
- store current vehicle insurance coverage information for each of the stored identifiers, wherein the current vehicle insurance coverage information is updated to reflect changes in vehicle insurance coverage for each of the stored identifiers;
- receive a query via a communications network requesting verification whether a vehicle operator has current vehicle insurance coverage;
- compare the vehicle operator's identifier to the plurality of store identifiers;
- verify whether the vehicle operator has current vehicle insurance coverage based on a result of the comparison;
- communicate a signal indicative of the result to a source of the query;
- and
- maintain a record of source and frequency from the source of each query requesting verification whether the vehicle operator has current insurance coverage.
8 more elements
A method for determining real time insurance status information for a vehicle, comprising the steps of:
- obtaining an identifier for operator or vehicle;
- using said identifier to obtain destination data where insurance status information with respect to operator or vehicle is located;
- using the data to request the insurance status information from an insurance company;
- and
- receiving a response from the insurance company including, the insurance status information indicating the status of the vehicle.
2 more elements
An apparatus for real time verifying vehicle insurance coverage, the system comprising:
- a memory;
- and
- a processing unit coupled to the memory configured to:
- store a plurality of identifier associated with a vehicle operator or a vehicle;
- store current vehicle insurance coverage information for each of the stored identifiers, wherein the current vehicle insurance coverage information is updated to reflect changes in vehicle insurance coverage for each of the stored identifiers;
- receive a query via a communications network requesting verification whether a vehicle operator has current vehicle insurance coverage;
- compare the vehicle operator's identifier to the plurality of store identifiers;
- verify whether the vehicle operator has current vehicle insurance coverage based on a result of the comparison;
- communicate a signal indicative of the result to a source of the query;
- and
- maintain a record of source and frequency from the source of each query requesting verification whether the vehicle operator has current insurance coverage.
8 more elements
Dependencies are inferred from the claim text.