Mobile Technology

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

25


“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

‣ Horse and Buggy > Automobiles

‣ 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 PrinUng > Desktop Printer

‣ Paper Encyclopedias > Wikipedia

‣ Tapes > Floppies > OpUcal > USB SUck > 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.

How do I get started?”


Where to StartAPP DEVELOPMENT

37


‣ Mobile Web or NaIve App?

‣ What Should My App Do?

‣ What Steps are Necessary to Develop a

Successful Mobile App?

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

tĞď��ŝƐƚƌŝďƵƟŽŶ�

ZƵŶƐ�ŝŶ��ƌŽǁƐĞƌ

�ƌŽĂĚ�^ƵƉƉŽƌƚ

ϮϬй��ǆƉŽƐƵƌĞ

>ĂƌŐĞůǇ�^ƚĂƟĐ�/ŶƚĞƌĨĂĐĞ

>ŝŵŝƚĞĚ��ĞǀŝĐĞ�&ĞĂƚƵƌĞƐ

ZĞƋƵŝƌĞƐ��ŽŶŶĞĐƟǀŝƚǇ

^ůŽǁĞƌ�hƐĞƌ��ǆƉĞƌŝĞŶĐĞ

ZĞĂƐŽŶĂďůĞ��ŽƐƚ

�ƉƉ�^ƚŽƌĞ��ŝƐƚƌŝďƵƟŽŶ

ZƵŶƐ��ŝƌĞĐƚůǇ�ŽŶ��ĞǀŝĐĞ

DŽƌĞ��ǇŶĂŵŝĐ�/ŶƚĞƌĨĂĐĞ

&Ƶůů��ĞǀŝĐĞ�&ĞĂƚƵƌĞƐ

KƉĞƌĂƚĞƐ�KŋŝŶĞ

&ĂƐƚĞƌ�hƐĞƌ��ǆƉĞƌŝĞŶĐĞ

�ǆƉĞŶƐŝǀĞ

>ŝŵŝƚĞĚ�^ƵƉƉŽƌƚ

ϴϬй��ǆƉŽƐƵƌĞ

App

20%
















�ǆƉĞŶƐŝǀĞ


ϴϬй��ǆƉŽƐƵƌĞ80%

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


Support


41


Web
















�ǆƉĞŶƐŝǀĞ


ϴϬй��ǆƉŽƐƵƌĞApp

250,000
















�ǆƉĞŶƐŝǀĞ



25,000

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


Pla<orm


42


Web
















�ǆƉĞŶƐŝǀĞ



App

Browser
















�ǆƉĞŶƐŝǀĞ



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
















�ǆƉĞŶƐŝǀĞ



App

Static
















�ǆƉĞŶƐŝǀĞ



Dynamic

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


Connec2vity


44


Web
















�ǆƉĞŶƐŝǀĞ



App

Required
















�ǆƉĞŶƐŝǀĞ



Optional

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


Features


45


Web
















�ǆƉĞŶƐŝǀĞ



App

Limited
















�ǆƉĞŶƐŝǀĞ



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
















�ǆƉĞŶƐŝǀĞ



App

Slower
















�ǆƉĞŶƐŝǀĞ



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
















�ǆƉĞŶƐŝǀĞ



App

WebtĞď��ŝƐƚƌŝďƵƟŽŶ�















�ǆƉĞŶƐŝǀĞ



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


WebtĞď��ŝƐƚƌŝďƵƟŽŶ�















�ǆƉĞŶƐŝǀĞ



App

Reasonable
















�ǆƉĞŶƐŝǀĞ



Expensive

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



49

















�ǆƉĞŶƐŝǀĞ


ϴϬй��ǆƉŽƐƵƌĞ20%250,000BrowserStaticOnlineLimitedSlowWebReasonabletĞď��ŝƐƚƌŝďƵƟŽŶ�















�ǆƉĞŶƐŝǀĞ


ϴϬй��ǆƉŽƐƵƌĞ80%25,000NativeDynamicOffline/OnlineCompleteFastApp StoreExpensive

W!E!B

A!PP



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 for your company.


What Should my App Do?APP DEVELOPMENT

51

“What things should I try to do with a

mobile app?”


What Should my App Do?APP DEVELOPMENT

52

IDENTIFY your goals. DESCRIBE your goals.

DESIGN a soluIon.


Iden2fy Your GoalsAPP DEVELOPMENT

53

Example Business Strategies

‣ Reduce Costs

‣ Create New Channels

‣ Internal Process Efficiency

‣ Tighten UnderwriIng

‣ Elevate Your Brand

‣ Younger Demographic

‣ Ease of Doing Business

‣ Build Word of Mouth


Iden2fy Your GoalsAPP DEVELOPMENT

54

Example 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


Describe Your GoalsAPP DEVELOPMENT

55

So]ware Requirements Specifica2on (SRS)

‣ A soDware requirements specificaIon document describes a

soDware project using a predefined structure.



56

So]ware Requirements Specifica2on (SRS)

‣ Provides a project roadmap.

‣ Gets everyone on the same page.

‣ Much cheaper to iterate in a document than in code.

‣ Allows different stakeholders to communicate effecIvely.

‣ Produces much higher project saIsfacIon.



57

Components of an SRS

1. Business Requirements

2. Success CondiIons

3. Scope

4. Use Cases

5. Supplements


SRS ComponentsAPP DEVELOPMENT

58


Business Requirements are broad statements arIculaIng

the larger organizaIonal and strategic goals of a project.



59


‣ Try to communicate the spirit and intent of a project.

‣ Business requirements should serve as a focusing lens.

‣ Avoid implementaIon details.



60

2. Success Condi2ons

Success condiIons are measurable facts that will be

true when the business requirements are met.



61

2. Success Condi2ons

‣ Most soDware developers take pride in their work and want

to please their clients.

‣ Communicate what factors will you use to determine if your

business requirements have been met.

‣ Success CondiIons should be measurable.



62

3. Scope

Scope defines the substance and boundaries of a project.



63

3. Scope

‣ What problems are we trying to solve?

‣ What will the soDware do? (Be ExhausUve)

‣ What are the boundaries of the soDware? (Scope Creep)

‣ Expose assumpIons.

‣ Scope changes ALWAYS impact Imelines and cost.



64

4. Supplements

Supplements provide any addiIonal informaIon a

developer might need to complete a project successfully.



65

4. Supplements

‣ Terms and DefiniIons

‣ Links and Resources

‣ Data Exchange Formats

‣ Vendor Details

‣ Rules and RegulaIons

‣ AssumpIons & LimitaIons



66

5. Use Cases

Use Cases describe the acIons a user

will take to accomplish specific tasks.



67

5. Use Cases

‣ The more acIons you can describe, the beier.

‣ Think about every class of user.

‣ Try to describe the steps necessary for a user to accomplish

should be able to accomplish.

‣ Screenshots and flowcharts are very helpful here. >



68

Design Skills Don’t Macer!


Design a Solu2onEXAMPLE SRS

69

A. Business Requirements

B. Success CondiIons

C. Scope

D. Supplements

E. Use Cases


A. Business RequirementsEXAMPLE SRS

70

Allow insureds to perform common billing and payment

acIons from a mobile app. Project goals Include: !

‣ Reduce inbound call volume to our billing department.

‣ Improve the ease of doing business with our mutual.

‣ Elevate our brand appeal to agents and insureds.


B. Success Condi2onsEXAMPLE SRS

71

1. Insureds are able to download a mobile app from the

Apple and Android app stores that provides the ability to

view billing informaIon and make payments.

2. Reduce inbound call volume to our billing department by

10% within 6 months of app deployment.



72

3. The mobile app will have a contemporary visual style. >

4. Users will be able to answer any billing inquiry within 10

seconds of iniIal app launch on average.

5. Users will be able to make a payment within 90 seconds of

iniIal app launch on average.



75

3. The mobile app will have a contemporary visual style. >

4. Users will be able to answer any billing inquiry within 10

seconds of iniIal app launch on average.

5. Users will be able to make a payment within 90 seconds of

iniIal app launch on average.


C. ScopeEXAMPLE SRS

76

1. Users will be able to view the amount currently due.

2. Users will be able to view a full .pdf image of any invoice

for detailed inquiry.

3. Users will be able to make an electronic payment.

4. Payment informaIon will be stored with the user account

to prevent duplicate entry.


C. ScopeEXAMPLE SRS

77

5. Payment entry will require minimal data collecIon to

speed user entry and enhance user experience.

6. Payment confirmaIon will be displayed prior to payment

submission.

7. User will be able to view a basic overview of account

history records.


C. ScopeEXAMPLE SRS

78

8. Users will be able to drill down into details for any account

history record.

9. Users will be able to view invoice document images from

within the account history record detail.


D. SupplementsEXAMPLE SRS

79

1. Defini2ons

‣ Billing System: BriteCore is our backend billing system.

‣ Document: a .pdf document hosted in Amazon S3.

‣ Policy Term: The term of coverage. AccounIng transacIons

belong to policy terms. It is possible for transacIons to be

acIve in two policy terms at once.



80

2. Defini2ons

‣ Ac2ve Policy Term: The acIve policy term is usually the

policy term which is currently in-‐force. However, once an

invoice has been sent for an upcoming policy term, that

term should be aggregated into the current term for billing

purposes.



81

3. Links and Resources

‣ Underwri2ng Manual: hip://manuals.loudoun.com?=u12

‣ Billing System Development API: hip://api.britecore.com

‣ Client Lead: [email protected]

‣ IWS Lead: [email protected]



82

4. Rules and Regula2ons

‣ This app must pass all PCI compliance standards.

‣ Our billing system is under conInuous SOC-‐1 audit, and this

app must comply with SOC security standards.

‣ All payment data should destroyed with the user session on

the mobile device.



83

5. Assump2ons and Limita2ons

‣ This app requires persistent internet connecIvity.

‣ This app depends on pass-‐through authenIcaIon to the

backend billing system.


E. Use CasesEXAMPLE SRS

84

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

85

UC-1!Insured Visits Welcome Screen


86

Policy Claims PhotosPayments Docs

Loudoun Mutual

Welcome to the Loudoun Mutual Mobile App.

Hi, Phil Reynolds!

Log Out



87


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.


88

UC-2!Insured Views Currently Due


89


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



90


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



91

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



92

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.



93

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




94

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




95

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



96

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



97

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




98

UC-3!Insured Makes a Payment


99


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



100


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



101

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




102

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




103

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




104

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.


105

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




106

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



107

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.


108

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



109

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



110

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?



111

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?



112


Loudoun Mutual

POLICY: 020111044

Paid On:

Amount Due:

04/28/14

$56.00

Payment Completed Successfully!


Receipt Number: XQ1234

Make a Payment



113


Loudoun Mutual

POLICY: 020111044

Paid On:

Amount Due:

04/28/14

$56.00

Payment Completed Successfully!


Receipt Number: XQ1234

Make a Payment



114

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 ***



115

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.


116

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 ***



117

UC-4!Insured Enables Auto-‐Pay


118


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



119


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



120

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




121

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




122

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 ***



123

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”


124

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 ***



125

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 ***



126


Loudoun Mutual

POLICY: 020111044

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127


Loudoun Mutual

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Loudoun Mutual

POLICY: 020111044

Auto-Pay

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129


Loudoun Mutual

POLICY: 020111044

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130


Loudoun Mutual

POLICY: 020111044

Auto-Pay

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



131


Loudoun Mutual

POLICY: 020111044

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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.


132


Loudoun Mutual

POLICY: 020111044

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133


Loudoun Mutual

POLICY: 020111044

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134


Loudoun Mutual

POLICY: 020111044

Auto-Pay

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Payment Schedule

05/28/14

08/28/14

11/28/14

02/28/14

$58.00

$58.00

$58.00

$58.00



135


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.

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136


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



137

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 ***



138

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”


139

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 ***



140

UC-5!Insured Disables Auto-‐Pay


141


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



142


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



143

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




144

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




145

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 ***



146

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”



147

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 ***



148

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 ***



149


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



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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

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151


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



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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



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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?



154


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?



155


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



156


Loudoun Mutual

POLICY: 020111044

Auto-Pay

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Toggle is now off.



157


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



158


Loudoun Mutual

POLICY: 020111044

Auto-Pay

Make Payment



159

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 ***



160

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”


161

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 ***



162

UC-6!Insured Views Account History


163


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



164


Loudoun Mutual


Hi, Phil Reynolds!

Log Out



165

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




166

POLICY: 020111044

Current Balance:

Due Date:



$56.00

05/01/2014

03/20/2014

$56.00

View Invoice


Loudoun Mutual




167

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



168

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


169

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



170

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



171


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



172


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.


173


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



174


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



175

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



176

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



177


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



178


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



179

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 your mobile app do?MORE IDEAS

180

‣ 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



181

‣ 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



182

‣ Allow insured to take photos of their property.

‣ Create an inventory of contents.

‣ Prompt the user once a year to update records.

Photos



183

‣ 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

184

Ques2ons / Feedback?


Contact InfoCONCLUSION

185

Email

Phone

Website

[email protected]

417.299.1119

www.britecore.com

Mobile Technology

Technology

Transcript of Mobile Technology