Automated insurer insured interactions

Abstract

A computerized immediate settlement insurance claim payment system comprising insurance policy issuing functionality for issuing an insurance policy to an insured, and associating the policy with an insurance card to be presented by the insured in association with a card reader to cover the cost of an insurance event, the policy including a chargeback provision allowing the insurer to charge back payments made to the insured via an identified credit card of the insured; automatic insurance claim verification functionality operative to verify the right of the insured to receive payment from the insurer by verifying at least one of the value of the payment, the type and location of the recipient; insurance claim documentation requesting functionality operative to request from the insured documentation of the insured event; and chargeback functionality operative to charge back, in the absence of documentation, at least part of the payment via the identified credit card.

1 . A computerized immediate settlement insurance claim payment system comprising:
 insurance policy issuing functionality for issuing, by an insurer, an insurance policy to an insured, and associating said policy with an insurance card to be carried by said insured and, upon the occurrence of an insured event, to be presented by said insured in association with a card reader to cover at least part of the cost of said insurance event, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured via an identified credit card of said insured;   automatic insurance claim verification functionality which, responsive to presentation of said insurance card, is operative to automatically verify the right of said insured to receive payment from said insurer by automatically verifying at least one of the value of said payment, the type of recipient entitled to receive such payment as identified by said card reader and the location of said recipient as identified by said card reader;   insurance claim documentation requesting functionality operative to request from said insured, at the initiative of said insurer, following paying of said payment, documentation relating to said insured event; and   chargeback functionality operative to charge back, at the initiative of said insurer, in the absence of receipt of said documentation, at least part of said payment via said identified credit card of said insured.   
     
     
         2 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said insurance card is a debit card. 
     
     
         3 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said insurance card is a credit card. 
     
     
         4 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said insurance policy issuing functionality includes automatic activation functionality operative to automatically activate said insurance policy based on the existence of at least one of a multiplicity of predetermined conditions. 
     
     
         5 . A computerized immediate settlement insurance claim payment system according to  claim 4  and wherein said multiplicity of predetermined conditions includes time-based conditions and location-based conditions. 
     
     
         6 . A computerized immediate settlement insurance claim payment system according to  claim 5  and wherein existence of said location-based conditions is ascertained by an RFID detector in association with an RFID chip. 
     
     
         7 . A computerized immediate settlement insurance claim payment system according to  claim 6  and wherein said RFID chip is embedded in said insurance card. 
     
     
         8 . A computerized immediate settlement insurance claim payment system according to  claim 7  and wherein existence of said location-based conditions is ascertained by cell phone locating techniques in association with a cell phone carried by said insured. 
     
     
         9 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said insurance card includes a record of said insured's medical history. 
     
     
         10 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said automatic insurance claim verification functionality also includes automatic fraud detection functionality which comprises automatic voice analysis functionality operative to automatically analyze the voice of said insured. 
     
     
         11 . A computerized immediate settlement insurance claim payment system comprising:
 insurance policy issuing functionality for issuing, by an insurer, an insurance policy to an insured, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured, via an identified credit card of the insured;   insurance event reporting functionality for receiving, upon occurrence of an insured event, communication of said event to said insurer by said insured;   automatic insurance claim verification functionality communicating with said insurance event reporting functionality which, responsive to said communication, is operative to automatically verify the right of said insured to receive payment from said insurer by automatically verifying at least one of the value of said payment, the type of recipient entitled to receive such payment and the location of said recipient;   advance funding functionality operative to transfer estimated value of said payment to said insured by said insurer;   insurance claim documentation requesting functionality operative to request from said insured, at the initiative of said insurer and after paying of said payment by said insured, documentation relating to said insured event; and   balance collection functionality operative to collect from said insured, at the initiative of said insurer, the difference between transferred estimated value of said payment and said payment.   
     
     
         12 . A computerized immediate settlement insurance claim payment system according to  claim 11  and also comprising chargeback functionality operative to charge back, at the initiative of said insurer, in the absence of receipt of said documentation, at least part of said payment via said identified credit card of said insured. 
     
     
         13 . A computerized immediate settlement insurance claim payment system according to  claim 11  and wherein at least one of said transferring, paying and collecting is achieved via an insurance card associated with said policy and carried by said insured. 
     
     
         14 . A computerized immediate settlement insurance claim payment system according to  claim 11  and wherein at least one of said transferring, paying and collecting is achieved via at least one of said insured's credit card, debit card, cell phone account and personal bank account. 
     
     
         15 . A computerized immediate settlement insurance claim payment system according to  claim 13  and wherein said insurance card is a debit card. 
     
     
         16 . A computerized immediate settlement insurance claim payment system according to  claim 13  and wherein said insurance card is a credit card. 
     
     
         17 . A computerized immediate settlement insurance claim payment system according to  claim 13  and wherein said insurance policy issuing functionality includes automatic activation functionality operative to automatically activate said insurance policy based on the existence of at least one of a multiplicity of predetermined conditions. 
     
     
         18 . A computerized immediate settlement insurance claim payment system according to  claim 17  and wherein said multiplicity of predetermined conditions includes time-based conditions and location-based conditions. 
     
     
         19 . A computerized immediate settlement insurance claim payment system according to  claim 18  and wherein existence of said location-based conditions is ascertained by an RFID detector in association with an RFID chip. 
     
     
         20 . A computerized immediate settlement insurance claim payment system according to  claim 19  and wherein said RFID chip is embedded in said insurance card. 
     
     
         21 . A computerized immediate settlement insurance claim payment system according to  claim 18  and wherein existence of said location-based conditions is ascertained by cell phone locating techniques in association with a cell phone carried by said insured. 
     
     
         22 . A computerized immediate settlement insurance claim payment system according to  claim 13  and wherein said insurance card includes a record of said insured's medical history. 
     
     
         23 . A computerized immediate settlement insurance claim payment system according to  claim 11  and wherein said automatic insurance claim verification functionality also includes automatic fraud detection functionality which comprises automatic voice analysis functionality operative to automatically analyze the voice of said insured. 
     
     
         24 . A computerized immediate settlement insurance claim payment system comprising:
 insurance policy issuing functionality for issuing, by an insurer, an insurance policy to an insured, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured, via an identified credit card of the insured;   insurance event reporting functionality for receiving, at the initiative of said insured and after payment by said insured of the cost of an insured event, communication of said event to said insurer by said insured;   automatic insurance claim verification functionality communicating with said insurance event reporting functionality which, responsive to said communication, is operative to automatically verify the right of said insured to receive reimbursement from said insurer by automatically verifying at least one of the value of said payment, the type of recipient entitled to receive such payment and the location of the recipient;   reimbursement functionality operative to reimburse the value of said payment to said insured by said insurer;   insurance claim documentation requesting functionality operative to request from said insured, at the initiative of said insurer, documentation relating to said insured event; and   chargeback functionality operative to charge back, at the initiative of said insurer, in the absence of receipt of said documentation, at least part of value of said payment via said identified credit card of said insured.   
     
     
         25 . A computerized immediate settlement insurance claim payment system according to  claim 24  and wherein said reimbursing is achieved via an insurance card associated with said policy and carried by said insured. 
     
     
         26 . A computerized immediate settlement insurance claim payment system according to  claim 24  and wherein said reimbursing is achieved via at least one of said insured's credit card, debit card, cell phone account and personal bank account. 
     
     
         27 . A computerized immediate settlement insurance claim payment system according to  claim 25  and wherein said insurance card is a debit card. 
     
     
         28 . A computerized immediate settlement insurance claim payment system according to  claim 25  and wherein said insurance card is a credit card. 
     
     
         29 . A computerized immediate settlement insurance claim payment system according to  claim 25  and wherein said insurance policy issuing functionality includes automatic activation functionality operative to automatically activate said insurance policy based on the existence of at least one of a multiplicity of predetermined conditions. 
     
     
         30 . A computerized immediate settlement insurance claim payment system according to  claim 29  and wherein said multiplicity of predetermined conditions includes time-based conditions and location-based conditions. 
     
     
         31 . A computerized immediate settlement insurance claim payment system according to  claim 30  and wherein existence of said location-based conditions is ascertained by an RFID detector in association with an RFID chip. 
     
     
         32 . A computerized immediate settlement insurance claim payment system according to  claim 31  and wherein said RFID chip is embedded in said insurance card. 
     
     
         33 . A computerized immediate settlement insurance claim payment system according to  claim 30  and wherein existence of said location-based conditions is ascertained by cell phone locating techniques in association with a cell phone carried by said insured. 
     
     
         34 . A computerized immediate settlement insurance claim payment system according to  claim 25  and wherein said insurance card includes a record of said insured's medical history. 
     
     
         35 . A computerized immediate settlement insurance claim payment system according to  claim 24  and wherein said automatic insurance claim verification functionality also includes automatic fraud detection functionality which comprises automatic voice analysis functionality operative to automatically analyze the voice of said insured. 
     
     
         36 . A computerized immediate settlement insurance claim payment method comprising:
 issuing, by an insurer, an insurance policy to an insured and associating said policy with an insurance card to be carried by said insured, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured via an identified credit card of said insured;   upon occurrence of an insured event, presentation of said insurance card by said insured in association with a card reader to cover at least part of the cost of said insured event;   responsive to presentation of said insurance card, automatic verification of the right of said insured to receive payment from said insurer including at least one of automatic verification of the value of said payment, the type of recipient entitled to receive such payment as identified by said card reader and the location of said recipient as identified by said card reader;   at the initiative of said insurer, following said payment, requesting documentation relating to said insured event; and   at the initiative of said insurer, in the absence of receipt of said requested documentation, charging back at least part of said payment via said identified credit card of said insured.   
     
     
         37 . A computerized immediate settlement insurance claim payment method comprising:
 issuing, by an insurer, an insurance policy to an insured, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured, via an identified credit card of the insured;   upon occurrence of an insured event, communication of said event to said insurer by said insured;   responsive to said communication, automatic verification of the right of said insured to receive payment from said insurer including at least one of automatic verification of the value of said payment, the type of recipient entitled to receive such payment and the location of said recipient;   transferring of estimated value of said payment to said insured by said insurer;   paying, by said insured, of said payment;   at the initiative of said insurer, following said paying, requesting documentation relating to said insured event; and   at the initiative of said insurer, collecting, from said insured, the difference between said transferred estimated value of said payment and said payment.   
     
     
         38 . A computerized immediate settlement insurance claim payment method comprising:
 issuing, by an insurer, an insurance policy to an insured, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured, via an identified credit card of the insured;   at the initiative of said insured, after payment by said insured of the cost of an insured event, communication of said event to said insurer by said insured;   responsive to said communication, automatic verification of the right of said insured to receive reimbursement from said insurer including at least one of automatic verification of the value of said payment, the type of recipient entitled to receive such payment and the location of the recipient;   reimbursing of value of said payment to said insured by said insurer;   at the initiative of said insurer, following said reimbursing, requesting documentation relating to said insured event; and   at the initiative of said insurer, in the absence of receipt of said requested documentation, charging back at least part of value of said payment via said identified credit card of said insured.