Systems and methods for dynamically assessing and mitigating risk of an insured entity

Abstract

Embodiments of the present invention delineate systems and methods for dynamically assessing and mitigating risk of an insured entity. Additional embodiments of the present invention delineate systems and methods for providing a user of a mobile device with information relevant to a position of a mobile device, wherein such information may describe one of a risk and an opportunity within a predetermined distance of a location for the mobile device.

What is claimed is: 
     
         1 . A method, comprising:
 receiving an insurance claim regarding a mobile device; and   evaluating the merits of the claim based on information obtained from a provided database, the database configured to store and permit access to tracking and loss information about the mobile device.   
     
     
         2 . The method of  claim 1  wherein the merits of the claim are evaluated at least by determining from the information one or more of:
 whether the mobile device is within a predetermined distance of a home or a business place of an authorized user of the mobile device; 
 whether the mobile device is being used to submit the claim; and 
 whether the mobile device has been used to call one or more numbers associated with a frequently called list associated with the authorized user of the mobile device. 
 
     
     
         3 . The method of  claim 1  wherein the information comprises one or more of a current location associated with the mobile device, a past location associated with the mobile device, a plurality of locations associated with the mobile device wherein the plurality of locations define a track for the mobile device. 
     
     
         4 . The method of  claim 1  wherein the information comprises one or more of a still image taken from the mobile device, a video stream taken from the mobile device, a last phone number dialed from the mobile device, a phone number corresponding to a last call received by the mobile device, a plurality of phone numbers stored in the mobile device over a predetermined period of time, a voice message provided from the mobile device and a spoken report provided from the mobile device. 
     
     
         5 . The method of  claim 1  wherein upon a triggering event the information may be retrieved from the mobile device for storage in the provided database.