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Insurance Abstract
A Windows based software application designed and written to be
used in conjunction with wireless, portable, internet ready barcode/RF
handheld scanners capable of checking the status of an automobiles'
insurance coverage by reading a prefixed inspection sticker located
on the inside of the windshield. States will have immediate knowledge
if the policy is active or cancelled. States will be responsible
to design their own unique sticker with barcode imprinted in a horizontal
line with a minimum of 1/4: clearance from either side. Insurance
companies and inspection stations will work in conjunction to setup
and maintain the integrity of information downloaded to DesignScan's
server. Vehicles can be scanned without a driver inside the auto
as the sticker will stand alone as to the validity of insurance
coverage. Scanners will have two completely different, distinctive
alarms to alert if there are any discrepancies in active coverage.
Insurance Claims
1. I is the sole designer of a Windows based software program titled:
Insurance Verification System hereafter called I.V.S. I found a
weekness in the enforcement of mandated liability auto insurance
laws. In July 2000 I formed a company, DesignScan, Inc. to work
on solving this loophole. With the advancement of computers and
color printers many people were printing out fake insurance cards
and presenting them as proof of coverage at insurance check-points.
Our I.V.S. system is secure and is only assessable by having a unique
"log in" and password. Insurance companies upload main
information on the vehicle and registered owner. They then must
pass inspection at a state certified inspection station. At that
time all previous information is checked by issuing inspection station.
They in turn affix a state approved barcode labeled inspection sticker
on the inside lower left corner. The sticker is a "read only"
style that contains all preloaded pertinent information. Upon going
through the next insurance check point the sticker will be a "stand
alone" for registration, inspection and active insurance policy
being effective. Individual insurance companies use our system to
update policies in "real-time". There's no need waiting
for the postal service to deliver notices on the status of an insurance
policy. Updates such as renewals or cancellations can be uploaded
immediately or at a scheduled time depending on which that company
chooses.
Insurance Description
BACKGROUND OF THE INVENTION
[0001] Businesses in today's world needed a way of being able to
store information and the ability to retrieve it at the quickest
and most accurate way available. The "birth" of barcoding
inventory was the solution. Such uses were for inventory in stock
at an individual sight, a specific warehouse or at job locations.
[0002] (1) Field of the Invention
[0003] Being able to track certain merchandise, the number of units
for selected stock items and their locations were problems that
businesses needed to have on hand at a moments notice. Speed also
played a key role in the development of devices that viewed and
de-coded the information. The birth of barcodes and barcode readers
was the solution many businesses needed and adopted. Simply stated
bar-coding is the use of a tag with several vertical lines, usually
black in color and printed on a lightly contrasting colored background.
The information is then retrieved by using a "reader"
that uses a light source to scan the tag. It retrieves the information
by criss-crossing over the tag, decodes the information and returns
it to the operator. Bar-coding merchandise has become a standard
in every aspect of modern businesses. They are used not only to
track the number of items a business has but has evolved to bar-coding
individual packages for immediately updating the location of an
item or order and the status of delivery of that item. Bar-coding
as a tool has enabled businesses to input information with the ability
to retrieve that information with just the "click" of
a button.
[0004] (2) Description of Related Art Including Information Disclosed
Under 37 CFR 1.97 and 1.98:
[0005] N/A
BRIEF SUMMARY OF THE INVENTION
[0006] Our "Insurance Verification System" is a combination
of a Windows based software program we designed to be used with
a portable, wireless, internet ready barcode reader to help law
enforcement personnel and states to enforce mandatory auto insurance
laws. Small inspection stickers with pre-printed barcodes are placed
on the interior driver's side windshield which are scanned to confirm
an insurance policy is in effect for that vehicle. Individual insurance
companies use our system to update policies in "real-time".
There's no need waiting for the postal service to deliver notices
on the status of an insurance policy. Updates such as renewals or
cancellations can be uploaded immediately or at a scheduled time.
BRIEF DESCIPTION OF THE SEVERAL VIEWS OF THE DRAWINGS
[0007] Depending on which manufacture/model number selected there
are several hand held portable scanners. Other devices include a
standard computer screen, keyboard and internet services.
DETAILED DESCRIPTION OF THE INVENTION
[0008] A major problem Law Enforcement officials have is being
able to insure compliance with mandated liability automobile insurance.
Our "Insurance Verification System" or I.V.S. for short,
gives Law Enforcement Officers that tool. Working together insurance
companies, state approved inspection stations and law enforcement
officials now have the ability to check the status of an auto's
insurance coverage without interacting with drivers, the need to
search for the proper papers, etc. Basics of the system is: Companies
issuing automobile insurance policies and state certified inspection
stations will be tied directly to DesignScan's server via standard
internet connection. Each company and their individual employees
will have their own unique "log in and password". First
time a vehicle is put into the system an application for a policy
is made, issuing company "logs on" to our server then
are prompted to enter the following information; policy number,
effective dates, name, address and phone number of the register,
Vehicle Identification Number (VIN), year, make, model and color
of the vehicle. That information is then uploaded and can't be altered
or changed except by the issuing company.
[0009] Second step is carried out by the inspection station. After
"logging on" the operator inputs the V.I.N., and must
verifying all information is correct. Only then can they proceed
to the second set of instructions. Then using a pre-printed, state
approved inspection sticker (barcode is already on sticker) the
operator is prompted to enter date of inspection, mileage on vehicle,
and license plate number. After successfully passing the inspection
and filling out all fields the inspector uploads his portion of
cycle onto DesignScan's server. Now the vehicle is on the I.V.S.
system and can pass any scanning until either the policy changes
or is cancelled. Vehicles with an active policy must pass a yearly
inspection to continue on the system. |