Mobile service provider and insurance systems
Aspects of the disclosure provide a computer-implemented method and system for individuals to be non-professional service providers. The methods and systems may include the use of an application on a mobile device that provides telematics information, service provider information to locate the service providers; prioritizes the service providers based on the user preferences, telematics information, and service provider information; and facilitates the service provider request and the electronic payment for the services. The system may provide a performance rating and/or user comments for the service providers. The system may then select a service provider or allows the user to select the service provider. The system can include roadside services, automobile services, home services, and personal services. The computer-implemented method and system may utilize insurance information to provide additional features and to enhance the mobile service provider methods and systems by providing known and safe routes and recommendations to the user.
1. A mobile service provider system comprising:
memory having stored thereon modules; and
at least one processor, wherein said at least one processor upon execution of the modules is configured to:
receive, through a mobile application executing on a mobile device, a service request from a user through the mobile device via a hands-free system;
receive, from a telematics device in communication with the mobile service provider system, real-time telematics information, wherein the telematics device collects real-time telematics information based on driving data;
transmit, to at least one service provider server associated with a plurality of service providers and in communication with the mobile service provider system, the service request, and receive, from the at least one service provider server associated with the plurality of service providers, real-time service provider information that includes the following: an availability of each of the plurality of service providers, a start time for each of the plurality of service providers, and a completion time for each of the plurality of service providers;
receive, from an insurance server associated with an insurance company and in communication with the mobile service provider system, insurance information from the insurance company that includes information about each of the plurality of service providers, location and instances of previous accidents, driving history, and locations and instances of previous claims;
determine and calculate a prioritized ranking of the plurality of service providers based on a combination of the real-time telematics information, the insurance information, and the service request and provide, through the mobile application executing on the mobile device of the user, the prioritized ranking to the user, wherein the user selects a service provider from the prioritized ranking of the plurality of service providers;
when the selected service provider fulfills the service request, provide, to the selected service provider, provide, to the user, a reward based on the service request and the selected service provider; and
when the real-time service provider information and prioritized ranking changes, generate a real-time notification and send, through the mobile application executing on the mobile device of the user, the real-time notification to the user.
2. The mobile service provider system of claim 1 , wherein the reward is one or more of the following: a discount of future insurance premiums for the user, increased insurance coverage for the user, or a decreased deductible for insurance coverage for the user.
3. The mobile service provider system of claim 1 , wherein determining and calculating the prioritized ranking of the plurality of service providers includes at least one processor, upon execution of the modules being configured to:
determine a safest route from each of the plurality of service providers to a location of the service request; and
determine and calculate the prioritized ranking of the plurality of service providers based on the safest route from each of the plurality of service providers to the location of the service request.
4. The mobile service provider system of claim 1 , wherein the real-time telematics information includes location, velocity, route, and destination.