Patent ID: 8140360

Claim:
A computer program product, comprising a computer readable storage media having computer readable program code stored therein, said computer readable program code configured to be executed by a processor comprised by a insurance data processing system (IDPS) to implement a method for processing insurance coverage requests, said IDPS further comprising: (a) a wireless device consisting of a mobile electronic device provided to a customer, (b) an insurance activation server, and (c) an archive database connected to the insurance activation server, said method comprising: receiving, by the IDPS, a plurality of requests from the customer relating to insurance coverage for the customer, each request requesting activation or deactivation of the insurance coverage; confirming by the IDPS, for each request received, that it is permissible for the IDPS to accommodate each request based on each request's requested activation or deactivation; and after said confirming for each request, archiving by the IDPS each request in a non-volatile storage medium of the IDPS; wherein the mobile electronic device comprises the non-volatile storage medium; wherein said receiving, said confirming, and said archiving are performed with respect to each request by the mobile electronic device while the mobile electronic device is in an offline mode, said offline mode characterized by the mobile electronic device being disconnected from the insurance activation server and any other external communication device; wherein after said archiving is performed, the method further comprises: while a connection is established between the mobile electronic device and the insurance activation server, said server updating the archive database with each request archived in the non-volatile storage medium; wherein the method further comprises determining that an insurance claim by the customer relating to an accident is valid by verifying that the insurance coverage was active at a time when the accident occurred based on the most recent requested activation or deactivation, said verifying occurring when the mobile electronic device is connected to the insurance activation server and comprising determining by the server that a request to submit the insurance claim is stored in the mobile electronic device operating in the offline mode.