Mobile Device TECHNOLOGY...MOBILE DEVICE TECHNOLOGY 03/26/2014 PHIL REYNOLDS ThingstoKnow*...

TECHNOLOGYMobile Device

Computers aren’t just for the desktop anymore.

1

PHIL REYNOLDS03/26/2014MOBILE DEVICE TECHNOLOGY

Things to Know

Mobile Trends

Engage Now

App Development

Example SoDware Requirements

Topics for DiscussionOVERVIEW

2



Terms and Defini2ons

3


Smartphone: A cellular

telephone with built-‐in

applicaIons and Internet.

Examples: iPhone 5s, Motorola Droid X, Samsung

Galaxy S4, HTC One, Sony Xperia

THINGS TO KNOW


4


Tablet: A wireless, portable

personal computer with a

touch screen interface.

Examples: iPad, Kindle Fire, Samsung Galaxy

Tab, MicrosoF Surface, Google Nexus 7

Terms and Defini2onsTHINGS TO KNOW


5


Mobile OS: The core soDware that

operates a mobile device. The OS

provides a common way for

applicaIons to interface with mobile

device hardware.



6


Major Mobile OperaIng Systems

Pla<ormsTHINGS TO KNOW


Mobile OS by Market Share

7


5%2%

52%

41%

iOS Android Windows Other

THINGS TO KNOW


8


Mobile App: SoDware

downloaded and installed

directly on a mobile

device.



9


Mobile Website: Web site designed for

and delivered through a mobile

browser such as Safari, Chrome, or the

Android browser.



The Rise of Mobile DevicesMOBILE TRENDS

10


Mobile technology has risen FASTER than ANY other technology in recorded history.



11

Mobile device adopIon is growing

8 TIMES FASTER Than internet adopIon did in the

1990s and early 2000s.




12

SmartPhones have integrated into our lives faster than any

technology in history. Ownership has grown by 71.1%

year over year.

61% of Americans now own smartphones.



US Smart Phone Adop2onMOBILE TRENDS

13

0%

25%

50%

75%

100%

2011 2012 2013 2014 2015 2016 2017

78%74%69%63%

56%50%

39%


207m


Tablet GrowthMOBILE TRENDS

14


Tablet ownership is currently exploding as the power of

these devices grows. Ownership has grown by 78.9%

year over year.

40% of adults now own tablets.


US Tablet Adop2onMOBILE TRENDS

15

0%

25%

50%

75%

100%

2011 2012 2013 2014 2015 2016 2017

60%54%

48%43%40%29%

11%


160m


SmartPhone vs. Tablet Age Distribu2onMOBILE TRENDS

16

0%

10%

20%

30%

40%

13-17 18-24 25-34 35-54 55+

17%

24%26%

14%19%

7%

21%

33%

21%18%

SmartPhone Tablet




17

At 7 billion units,

there are more acIve

mobile devices on

Earth than people.




18

The average smartphone user spends

2.6 hours a day using their mobile device.




19


28%of all web traffic is now comes from mobile devices.



20


51%of consumers say they have made a mobile

payment within the past 3 months.



21

57%


of smartphone users will not recommend a

business with a poorly designed mobile site.



22

64%


of smartphone users view brands with mobile

apps more favorably.



23

80%


of all mobile handsets will be smartphones by

the end of 2015.



24

Mobile is Big.



The Innovators DilemmaENGAGE NOW

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“Those are a lot of numbers, but honestly

I’ve got a ton to do. Mobile isn’t going to

make my list any Ime soon.”



26


The Innovators Dilemma

Established firms can fail by “doing everything right”.

Successes and capabiliIes can actually become obstacles in

the face of changing markets and technologies. The inerIa

of proven processes can blind established firms to the

threat of disrupIve innovaIons in the marketplace.



27


Sustaining Technologies

Sustaining technologies are technologies that improve

product performance. These are technologies that most

established companies are familiar with; technologies that

involve improving a product that has an established role in

the market.



28


Disrup2ve Technologies

DisrupIve technologies are innovaIons that iniIally result

in worse product performance. They are generally cheap

and limited, but embody a unique compeIIve advantage.

Over Ime disrupIve technology improves, capturing new

segments and eventually replacing sustaining technology.



29


Established Companies

Good at Sustaining Bad at DisrupIve



30


Time

Pro

duct P

erf

orm

ance

High End Market Needs

Viability

Sustaining Tech

Dominance

Disruptive Tech

Low End Market Needs



31


Some Examples from History

‣ Telegraph > Telephone

‣ Cable Excavators > Hydraulic Excavators

‣ X-‐Ray > Ultrasound

‣ Glass BoPles > PlasQc BoPles

‣ Riverboats > Railway



32


More Recent Examples

‣ Postal Mail > Email

‣ Tube Radios > Transistor Radio

‣ Record > Tape > CD > Downloadable Files

‣ Piano > Digital Keyboard

‣ Film > Digital Cameras



33


Examples in Computer Technology

‣ Brick and Mortar Stores > Online Retailers

‣ Mainframes > Minicomputers > Desktops > Laptops

‣ Offset PrinQng > Desktop Printer

‣ Paper Encyclopedias > Wikipedia

‣ Tapes > Floppies > OpQcal > USB SQck > Cloud Storage



34


Solving the Innovators Dilemma

IdenIfy, develop and successfully market emerging,

potenIally disrupIve technologies before they overtake the

tradiIonal sustaining technology.



35


Mobile is Disrup2ve

Mobile is one of today’s most disrupIve technologies. It is

currently in the phase between viability and dominance

with tradiIonal compuIng devices. You need to offer

quality mobile device support in the very near future to

remain relevant to agents and insureds.


Where to StartAPP DEVELOPMENT

36


“I don’t know the first thing about mobile.

Where do I start?”


Where to StartAPP DEVELOPMENT

37


‣ Mobile Web?

‣ NaIve App?

‣ What Could My App Do?

Ques2ons to Ask


Mobile Web or Na2ve App?APP DEVELOPMENT

38


‣ Mobile Web: Mobile applicaIons delivered through a

mobile browser such as Safari or Chrome.

‣ Mobile App: SoDware downloaded and installed naIvely on

a mobile device.



39


‣ Exposure

‣ Support

‣ Pla_orm

‣ Interface

‣ ConnecIvity

‣ Features

‣ Speed

‣ DistribuIon

‣ Expense

Factors to Consider


Exposure


40


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure

Largely Static Interface

Limited Device Features

Requires Connectivity

Slower User Experience

Reasonable Cost

App Store Distribution

Runs Directly on Device

More Dynamic Interface

Full Device Features

Operates Offline

Faster User Experience

Expensive

Limited Support

80% Exposure

App

20%

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure80%

The average smartphone user spends 20% of their time browsing the web and 80% of their time in native apps.


Support


41


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% ExposureApp

250,000

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

25,000

There are approximately ten times as many web developers in the US as app developers.


Pla<orm


42


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App

Browser

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

Native

Mobile Web sites run in a web browser while native apps run directly on your device. Browsers are standardized while OSes are fragmented.


Interface


43


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App

Static

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

Dynamic

Mobile Web sites are largely static interfaces with only sparse interactivity. Mobile apps can be much more dynamic and interactive.


Connec2vity


44


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App

Required

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

Optional

Mobile Web sites depend on internet availability while mobile apps can operate without network access and sync data later.


Features


45


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App

Limited

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

Complete

Browsers can only access some device features while a mobile app can utilize advanced features such as GPS, Camera, Accelerometer, etc.


Speed


46


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App

Slower

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

Faster

Mobile websites offer a slower user experience because content must be downloaded and then rendered in a browser. Apps are much faster.


Distribu2on


47


Web

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App

WebWeb Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App Store

Mobile websites are accessible from any browser without restriction while apps must be submitted, accepted, and published through an app store.


Expense


48


WebWeb Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

App

Reasonable

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure

Expensive

Mobile websites are cheaper to build and maintain due to single code base and higher availability of developers.



49


Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure20%250,000BrowserStaticOnlineLimitedSlowWebReasonable

Web Distribution

Runs in Browser

Broad Support

20% Exposure





Reasonable Cost





Operates Offline


Expensive

Limited Support

80% Exposure80%25,000NativeDynamicOffline/OnlineCompleteFastApp StoreExpensive

WEB

APP



50


Which is right for you?Apps deliver high quality at a significant premium.

Mobile websites offer limited, but very usable

funcIonality at a much lower cost. Budget and project

goals will determine the best answer.


What Should Our App Do?APP DEVELOPMENT

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“What things should we try to do with a

mobile app?”



52

IDENTIFY business opportuniIes DESCRIBE consumer demands

DESIGN a soluIon.



53

Iden2fy Business Opportuni2es

‣ Reduce Costs

‣ Create New Channels

‣ Internal Process Efficiency

‣ Tighten UnderwriIng

‣ Elevate Your Brand

‣ Younger Demographic

‣ Ease of Doing Business

‣ Build Word of Mouth



54

Describe Consumer Demands

‣ View Invoices

‣ Pay Amount Due

‣ View Coverage InformaIon

‣ Submit First NoIce of Loss

‣ View Claims Status

‣ Inventory Contents

‣ Manage Personal Profile

‣ Quick Quote



55

Design a Solu2on

‣ Policies

‣ Claims

‣ Photos

‣ Documents

‣ Billing


Use Cases for Insured BillingEXAMPLE BILLING

56

UC-‐1. Insured Visits Welcome Screen

UC-‐2. Insured Views Currently Due

UC-‐3. Insured Makes a Payment

UC-‐4. Insured Enables Auto-‐Pay

UC-‐5. Insured Disables Auto-‐Pay

UC-‐6. Insured Views Account History

PHIL REYNOLDSMOBILE DEVICE TECHNOLOGY

57

UC-1Insured Visits Welcome Screen


58

Policy Claims PhotosPayments Docs

Loudoun Mutual

Welcome to the Loudoun Mutual Mobile App.

Hi, Phil Reynolds!

Log Out



59


Loudoun Mutual


Hi, Phil Reynolds!

Log Out

Insured name is looked up from account login.

Welcome text is controlled through admin CMS.

Insured can log out from the welcome screen.


App is branded to carrier.


60

UC-2Insured Views Currently Due


61


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



62


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



63

POLICY: 020111044

Current Balance:

Due Date:

Last Payment Received:

Last Payment Amount:

$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual

Make a Payment Account History Current Invoice



64

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual


Amount represents only a single policy.

If mulIple invoices are acIve, show nearest due date.

Should link to a document image of the most recently sent invoice.



65

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




66

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




67

Phillip D. Reynolds

509 West Olive

Suite 101

Springfield, MO 65806

(417) 299 -1119

$56.00

3/20/2014

05/01/2014

04/15/2014

PO Box 58

Waterford, VA 20197

(540) 882-3232

www.loudounmutual.com

Loudoun Mutual Insurance Company

PO Box 58

Waterford, VA 20197

Loudoun Mutual

Loudoun Mutual

Current Bill


Loudoun Mutual



68

Phillip D. Reynolds

509 West Olive

Suite 101


(417) 299 -1119

$56.00

3/20/2014

05/01/2014

04/15/2014

PO Box 58

Waterford, VA 20197

(540) 882-3232



PO Box 58

Waterford, VA 20197

Loudoun Mutual

Loudoun Mutual

Current Bill


Loudoun Mutual



69

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




70

UC-3Insured Makes a Payment


71


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



72


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



73

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




74

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




75

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number

Exp Month Exp Year CCV

PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

Credit Card Number




76

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

Credit Card Number



“On / Off” represents status of auto pay.

Default to currently due.

Total amount across all invoices by earliest due date.


77

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

Credit Card Number




78

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ 56.00

1233876123876789

11 2017 241



79

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ 56.00

1233876123876789

11 2017 241


This account is stored on the billing system server as the primary payment account. Obfuscated account details will pre-‐populate the next Ime the user visits this screen.


80

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ 56.00

1233876123876789

11 2017 241



81

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ 56.00

1233876123876789

11 2017 241



82

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ 56.00

1233876123876789

11 2017 241OK Cancel

Payment

You are about to pay $56.00 from your credit card ending in

***6789. Are you sure?



83

Amount Due: $56.00 by 05/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ 56.00

1233876123876789

11 2017 241OK Cancel

Payment

You are about to pay $56.00 from your credit card ending in

***6789. Are you sure?



84


Loudoun Mutual

POLICY: 020111044

Paid On:

Amount Due:

04/28/14

$56.00

Payment Completed Successfully!


Receipt Number: XQ1234

Make a Payment



85


Loudoun Mutual

POLICY: 020111044

Paid On:

Amount Due:

04/28/14

$56.00

Payment Completed Successfully!


Receipt Number: XQ1234

Make a Payment



86

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***



87

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***


Other payment details are stored now as primary payment method, and obfuscated.

Payment amount is now blank.

Date now displays next due date.


88

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***



89

UC-4Insured Enables Auto-‐Pay


90


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



91


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



92

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




93

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




94

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***



95

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***


Status is currently “Off”


96

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***



97

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***



98


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



99


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment


Icon displays terms and condiIons.

Toggle is currently off.


100


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



101


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



102


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

I Agree Cancel

Notice!

Legal disclaimers, terms, description of when money will be withdrawn from accounts.



103


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

I Agree Cancel

Notice!



If no primary payment account has been entered on the previous screen, this dialogue will indicate such and direct the user to enter one in the previous screen.


104


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

I Agree Cancel

Notice!




105


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

I Agree Cancel

Notice!




106


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00



107


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00


Table displays a schedule of all upcoming payments for current policy term. Include future policy term once renewal has been processed.

Toggle is now on.


108


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00



109

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay On

$ Payment Amount

**** **** **** 6789

11 2017 ***



110

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay On

$ Payment Amount

**** **** **** 6789

11 2017 ***


Status is now “On”


111

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay On

$ Payment Amount

**** **** **** 6789

11 2017 ***



112

UC-5Insured Disables Auto-‐Pay


113


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



114


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



115

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




116

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




117

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay On

$ Payment Amount

**** **** **** 6789

11 2017 ***



118

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay On

$ Payment Amount

**** **** **** 6789

11 2017 ***

Status is currently “On”



119

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay On

$ Payment Amount

**** **** **** 6789

11 2017 ***



120

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay On

$ Payment Amount

**** **** **** 6789

11 2017 ***



121


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00



122


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00

Toggle is on.



123


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00



124


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00



125


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00

I Agree Cancel

Notice!

You are disabling auto-pay for your account. Legal disclaimers,

terms, etc… Do you agree?



126


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00

I Agree Cancel

Notice!

You are disabling auto-pay for your account. Legal disclaimers,

terms, etc… Do you agree?



127


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



128


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment

Toggle is now off.



129


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



130


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



131

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***



132

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***


Status is now “Off”


133

Amount Due: $56.00 by 06/01/14

$ Payment Amount

Credit Card Number


PAY NOW


Loudoun Mutual

POLICY: 020111044


Auto-Pay Off

$ Payment Amount

**** **** **** 6789

11 2017 ***



134

UC-6Insured Views Account History


135


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



136


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



137

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




138

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




139

04/01/2014

03/15/2014

03/01/2014

02/15/2014

02/01/2014

01/15/2014

01/01/2014

Invoice

Payment

Invoice

Payment

Invoice

Payment

Invoice

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00


Loudoun Mutual


POLICY: 020111044



140

04/01/2014

03/15/2014

03/01/2014

02/15/2014

02/01/2014

01/15/2014

01/01/2014

Invoice

Payment

Invoice

Payment

Invoice

Payment

Invoice

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00


Loudoun Mutual


POLICY: 020111044


User can click the right arrow to view more details on any record.

Debits are red, payments are green. Record types depend on the underlying billing system. An example set of records could include:

* Invoice * PaymentInvoice * NPCP * CancelaIon * NSF * Reinstatement * Adjustment * Waive

Table columns include:

* Date * TransacIon Type * Amount


141

04/01/2014

03/15/2014

03/01/2014

02/15/2014

02/01/2014

01/15/2014

01/01/2014

Invoice

Payment

Invoice

Payment

Invoice

Payment

Invoice

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00


Loudoun Mutual


POLICY: 020111044



142

04/01/2014

03/15/2014

03/01/2014

02/15/2014

02/01/2014

01/15/2014

01/01/2014

Invoice

Payment

Invoice

Payment

Invoice

Payment

Invoice

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00


Loudoun Mutual


POLICY: 020111044



143


Loudoun Mutual


POLICY: 020111044

Mailed On:

Amount Due:

04/10/2014

View Invoice

Due Date:

$56.00

05/01/2014

Invoice

Paid Status: Unpaid

Account History



144


Loudoun Mutual


POLICY: 020111044

Mailed On:

Amount Due:

04/10/2014

View Invoice

Due Date:

$56.00

05/01/2014

Invoice

Paid Status: Unpaid

Account History


Fields in this screen are dependent on the record type and will be variable based on your billing system. A full SRS should include screen layouts for every record type.


145


Loudoun Mutual


POLICY: 020111044

Mailed On:

Amount Due:

04/10/2014

View Invoice

Due Date:

$56.00

05/01/2014

Invoice

Paid Status: Unpaid

Account History



146


Loudoun Mutual


POLICY: 020111044

Mailed On:

Amount Due:

04/10/2014

View Invoice

Due Date:

$56.00

05/01/2014

Invoice

Paid Status: Unpaid

Account History



147

Phillip D. Reynolds

509 West Olive

Suite 101


(417) 299 -1119

$56.00

3/20/2014

05/01/2014

04/15/2014

PO Box 58

Waterford, VA 20197

(540) 882-3232



PO Box 58

Waterford, VA 20197

Loudoun Mutual

Loudoun Mutual

Invoice Detail


Loudoun Mutual



148

Phillip D. Reynolds

509 West Olive

Suite 101


(417) 299 -1119

$56.00

3/20/2014

05/01/2014

04/15/2014

PO Box 58

Waterford, VA 20197

(540) 882-3232



PO Box 58

Waterford, VA 20197

Loudoun Mutual

Loudoun Mutual

Invoice Detail


Loudoun Mutual



149


Loudoun Mutual


POLICY: 020111044

Mailed On:

Amount Due:

04/10/2014

View Invoice

Due Date:

$56.00

05/01/2014

Invoice

Paid Status: Unpaid

Account History



150


Loudoun Mutual


POLICY: 020111044

Mailed On:

Amount Due:

04/10/2014

View Invoice

Due Date:

$56.00

05/01/2014

Invoice

Paid Status: Unpaid

Account History



151

04/01/2014

03/15/2014

03/01/2014

02/15/2014

02/01/2014

01/15/2014

01/01/2014

Invoice

Payment

Invoice

Payment

Invoice

Payment

Invoice

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00

$56.00


Loudoun Mutual


POLICY: 020111044



What else could our mobile app do?MORE IDEAS

152

‣ View policy header details. (Contacts, Term, Status, etc.)

‣ View coverage informaIon with links to policy forms.

‣ Allow user to change basic contact informaIon.

‣ Allow user to view the acIve dec

‣ Cross sell / quote basic policy changes. (Advanced)

Policy



153

‣ File first noIce of loss.

‣ Check on the status of a claim.

‣ Open a discussion with a claims adjuster.

‣ View noIces and updates posted by adjuster.

‣ Setup an ACH account for direct deposit. (Advanced)

Claims



154

‣ Allow insured to take photos of their property.

‣ Create an inventory of contents.

‣ Prompt the user once a year to update records.

Photos



155

‣ Allow insured to view all public documents.

‣ Provide access to policy documents such as decs, noIces,

inspecIon photos, etc.

‣ Provide access to billing system documents.

‣ Allow insureds to upload their own documents.

Documents


DiscussionCONCLUSION

156

Ques2ons / Feedback?


Contact InfoCONCLUSION

157

Email

Phone

Website

[email protected]

417.299.1119

www.britecore.com


Contact InfoCONCLUSION

158

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You can view this presentaIon online at:

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Mobile Device TECHNOLOGY...MOBILE DEVICE TECHNOLOGY 03/26/2014 PHIL REYNOLDS ThingstoKnow*...

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Transcript of Mobile Device TECHNOLOGY...MOBILE DEVICE TECHNOLOGY 03/26/2014 PHIL REYNOLDS ThingstoKnow*...