Patent ID: 11861721
Assignee: ALLSTATE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. An apparatus comprising:
one or more processors;
memory storing computer-readable instructions that, when executed by one of the processors, cause the apparatus to:
receive, from a first mobile device associated with a first user, a first message indicating a time, a date, and a geographic location of a user request for display of a first insurance card image at the first mobile device;
receive, from a first vehicle associated with the first user, telematics information of the first vehicle;
determine that an incident involving the first vehicle has occurred by analyzing the telematics information and detecting, from the telematics information, a hard braking event, a sudden stop event, or a hard turn event;
determine from the telematics information, a time, a date, and a geographical location at which the incident involving the first vehicle occurred;
determine that the first user was involved in the incident by comparing the time, the date, and the geographical location of the incident to the time, the date, and the geographic location of the user request, wherein the first user is determined to be involved in the incident if:
the time of the incident is within a predetermined time period of the time of the user request,
the date of the incident is the same as the date of the user request, and
the geographical location of the incident is within a predetermined distance of the geographic location of the user request;

determine whether any additional parties were involved in the incident by analyzing other user requests received from other mobile devices and analyzing other telematics information received from other vehicles;
generate a placeholder insurance claim and associate the placeholder insurance claim with the first user and, if additional parties are determined to have been involved in the incident, associate the additional parties with the placeholder insurance claim; and
transmit, to a device associated with an insurance agent, a notification that the first insurance card image was displayed at the first mobile device;
create and store a first record indicating the time, the date, and the geographic location of the user request for display of the first insurance card image at the first mobile device;
receive, from a second mobile device associated with a second user, a second message indicating a second time, a second date, and a second geographic location of a second user request for display of a second insurance card image at the second mobile device;
creating and storing a second record indicating the second time, the second date, and the second geographic location of the second user request for display of the second insurance card image at the second mobile device; and
based on a determination that the time, the date, and the geographic location indicated in the first record substantially matches the second time, the second date, and the second geographic location indicated in the second record, further associate the placeholder insurance claim with the second user.