BriteCon 2014 Mobile Session

Mobile Device
TECHNOLOGY
Computers
aren’t
just
for
the
desktop
anymore.
1

OVERVIEW 2
Topics
for
Discussion
Things
to
Know
Mobile
Trends
Engage
Now
App
Development
Example
SoDware
Requirements
MOBILE DEVICE TECHNOLOGY 03/26/2014 PHIL REYNOLDS

THINGS TO KNOW
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

4
THINGS TO KNOW
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
Defini2ons

5
THINGS TO KNOW
Terms
and
Defini2ons
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
THINGS TO KNOW
Major
Mobile
OperaIng
Systems
Pla<orms

THINGS TO KNOW
Mobile
OS
by
Market
Share
7
iOS Android Windows Other
2% 5%
52%
41%

8
THINGS TO KNOW
Mobile
App:
SoDware
downloaded
and
installed
directly
on
a
mobile
device.
Terms
and
Defini2ons

9
THINGS TO KNOW
Terms
and
Defini2ons
Mobile
Website:
Web
site
designed
for
and
delivered
through
a
mobile
browser
such
as
Safari,
Chrome,
or
the
Android
browser.

MOBILE TRENDS 10
The
Rise
of
Mobile
Devices
Mobile
technology
has
risen
FASTER
than
ANY
other
technology
in
recorded
history.

MOBILE TRENDS 11
The
Rise
of
Mobile
Devices
Mobile
device
adopIon
is
growing
8
TIMES
FASTER
Than
internet
adopIon
did
in
the
1990s
and
early
2000s.

MOBILE TRENDS 12
The
Rise
of
Mobile
Devices
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.

MOBILE TRENDS 13
US
Smart
Phone
Adop2on
100%
75%
50%
25%
0%
207m
78%
74%
69%
63%
56%
50%
39%
2011 2012 2013 2014 2015 2016 2017

MOBILE TRENDS 14
Tablet
Growth
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.

MOBILE TRENDS 15
US
Tablet
Adop2on
100%
75%
50%
25%
0%
160m
60%
54%
48%
40% 43%
29%
11%
2011 2012 2013 2014 2015 2016 2017

MOBILE TRENDS 16
SmartPhone
vs.
Tablet
Age
Distribu2on
40%
30%
20%
10%
0%
17%
SmartPhone Tablet
24%
26%
14%
19%
7%
21%
33%
21%
18%
13-17 18-24 25-34 35-54 55+

MOBILE TRENDS 17
The
Rise
of
Mobile
Devices
At
7
billion
units,
there
are
more
acIve
mobile
devices
on
Earth
than
people.

MOBILE TRENDS 18
The
Rise
of
Mobile
Devices
The
average
smartphone
user
spends
2.6
hours
a
day
using
their
mobile
device.

MOBILE TRENDS 19
The
Rise
of
Mobile
Devices
28%
of
all
web
traffic
is
now
comes
from
mobile
devices.

MOBILE TRENDS 20
The
Rise
of
Mobile
Devices
51%
of
consumers
say
they
have
made
a
mobile
payment
within
the
past
3
months.

MOBILE TRENDS 21
The
Rise
of
Mobile
Devices
57%
of
smartphone
users
will
not
recommend
a
business
with
a
poorly
designed
mobile
site.

MOBILE TRENDS 22
The
Rise
of
Mobile
Devices
64%
of
smartphone
users
view
brands
with
mobile
apps
more
favorably.

MOBILE TRENDS 23
The
Rise
of
Mobile
Devices
80%
of
all
mobile
handsets
will
be
smartphones
by
the
end
of
2015.

MOBILE TRENDS 24
The
Rise
of
Mobile
Devices
Mobile
is
Big.

ENGAGE NOW 25
The
Innovators
Dilemma
“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.”

ENGAGE NOW 26
The
Innovators
Dilemma
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.

ENGAGE NOW 27
The
Innovators
Dilemma
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.

ENGAGE NOW 28
The
Innovators
Dilemma
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.

ENGAGE NOW 29
The
Innovators
Dilemma
Established
Companies
Good
at
Sustaining Bad
at
DisrupIve

ENGAGE NOW 30
The
Innovators
Dilemma
Time Product Performance
High End Market Needs
Viability
Sustaining Tech
Dominance
Disruptive Tech
Low End Market Needs

ENGAGE NOW 31
The
Innovators
Dilemma
Some
Examples
from
History
‣ Telegraph
>
Telephone
‣ Cable
Excavators
>
Hydraulic
Excavators
‣ X-‐Ray
>
Ultrasound
‣ Glass
BoPles
>
PlasQc
BoPles
‣ Riverboats
>
Railway

ENGAGE NOW 32
The
Innovators
Dilemma
More
Recent
Examples
‣ Postal
Mail
>
Email
‣ Tube
Radios
>
Transistor
Radio
‣ Record
>
Tape
>
CD
>
Downloadable
Files
‣ Piano
>
Digital
Keyboard
‣ Film
>
Digital
Cameras

ENGAGE NOW 33
The
Innovators
Dilemma
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

ENGAGE NOW 34
The
Innovators
Dilemma
Solving
the
Innovators
Dilemma
IdenIfy,
develop
and
successfully
market
emerging,
potenIally
disrupIve
technologies
before
they
overtake
the
tradiIonal
sustaining
technology.

ENGAGE NOW 35
The
Innovators
Dilemma
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.

APP DEVELOPMENT 36
Where
to
Start
“I
don’t
know
the
first
thing
about
mobile.
Where
do
I
start?”

APP DEVELOPMENT 37
Where
to
Start
Ques2ons
to
Ask
‣ Mobile
Web?
‣ NaIve
App?
‣ What
Could
My
App
Do?

APP DEVELOPMENT 38
Mobile
Web
or
Na2ve
App?
‣ 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.

APP DEVELOPMENT 39
Mobile
Web
or
Na2ve
App?
‣ Exposure
‣ Support
‣ Pla_orm
Factors
to
Consider
‣ Interface
‣ ConnecIvity
‣ Features
‣ Speed
‣ DistribuIon
‣ Expense

APP DEVELOPMENT 40
Mobile
Web
or
Na2ve
App?
Exposure
Web
20% Exposure
20%
Broad Support
The average smartphone user spends 20% of their time
browsing the web and 80% of their time in native apps.
Runs in Browser
Static Interface
Largely Static Interface
App
Exposure
Support
Browser
8800%% Exposure
Runs Directly More Dynamic Limited Support

APP DEVELOPMENT 41
Mobile
Web
or
Na2ve
App?
Support
20% Exposure
Web
Broad Support
250,000
Runs in Browser
There are approximately ten times as many web
developers in the US as app developers.
Requires Connectivity
80% Exposure
App
Exposure
Support
Browser
Static Interface
Connectivity
Limited Support
25,000
Runs Directly More Dynamic Operates Offline

APP DEVELOPMENT 42
Mobile
Web
or
Na2ve
App?
20% Exposure
Pla<orm
Broad Support
Web
Browser
Runs in Browser
Static Interface
Mobile Web sites run in a web browser while native apps run directly on
your device. Browsers are standardized while OSes are fragmented.
Connectivity
Device Features
Limited Device Features
80% Exposure
Limited Support
App
Exposure
Support
Browser
Runs Directly More Dynamic Full Device Features
Native
Operates Offline

APP DEVELOPMENT 43
20% Exposure
Mobile
Web
or
Na2ve
App?
Broad Support
Interface
Runs in Browser
Web
Static
Mobile Web sites are largely static interfaces with only sparse
interactivity. Mobile apps can be much more dynamic and interactive.
Slower User Experience
80% Exposure
Limited Support
Runs Directly on More Dynamic Full Device Features
App
Exposure
Support
Browser
Static Interface
Connectivity
Device Features
User Experience
Dynamic
Operates Offline
Faster User Experience

APP DEVELOPMENT 44
20% Exposure
Exposure
Mobile
Web
or
Na2ve
App?
Broad Support
Runs in Browser
Connec2vity
Static Interface
Web
Required
Connectivity
Device Features
Mobile Web sites depend on internet availability while mobile
apps can operate without network access and sync data later.
User Experience
Web Distribution
80% Exposure
Limited Support
App
Support
Browser
Distribution
Operates Offline
Optional
App Store Distribution

20% Exposure
Exposure
80% Exposure
APP DEVELOPMENT 45
Broad Support
Support
Mobile
Web
or
Na2ve
App?
Runs in Browser
Features
Web
Connectivity
Device Features
Limited
User Experience
Browsers can only access some device features while a mobile app can
utilize advanced features such as GPS, Camera, Accelerometer, etc.
Web Distribution
Reasonable Cost
Limited Support
Runs Directly on More Dynamic Operates Offline
Full Device Features
App
Browser
Static Interface
Distribution
Reasonable Cost
Complete
Expensive

Broad Support
Support
Limited Support
APP DEVELOPMENT 46
Runs in Browser
Browser
Mobile
Web
or
Na2ve
App?
Static Interface
Speed
Connectivity
Device Features
Web
User Experience
Slower
Web Distribution
Mobile websites offer a slower user experience because content must be
downloaded and then rendered in a browser. Apps are much faster.
Reasonable Cost
Runs Directly More Dynamic Operates Offline
App
Distribution
Reasonable Cost
Faster
Expensive

Runs in Browser
Browser
Static Interface
APP DEVELOPMENT 47
Mobile
Web
or
Na2ve
App?
Distribu2on
Connectivity
Device Features
User Experience
Web
Web Distribution
Distribution Web
Reasonable Cost
Operates Offline
App
Reasonable Cost
App Store
Expensive
Mobile websites are accessible from any browser without restriction while
apps must be submitted, accepted, and published through an app store.

Static Interface
More Dynamic Full Device Features
APP DEVELOPMENT 48
Connectivity
Mobile
Web
or
Na2ve
App?
Device Features
User Experience
Slower User Expense
Experience
Web Web Distribution
Reasonable Cost
Operates Offline
App
Reasonable
Distribution
Reasonable Cost
Expensive
Expensive
Mobile websites are cheaper to build and maintain due to
single code base and higher availability of developers.

APP DEVELOPMENT 49
Mobile
Web
or
Na2ve
App?
20% 80% Exposure
250,000
Browser
Static
Online
Limited
Slow
Web
Reasonable
20% Exposure
Exposure
Broad Support
Broad Support
Runs in Browser
Runs in Browser
Web Distribution
Web Distribution
Reasonable Cost
808%0 E%xposure
25,000
Native
Dynamic
Offline/Online
Complete
Fast
App Store
Expensive
Limited Support
Limited Support
Runs Directly on Device
More Dynamic Interface
Runs Directly on Device
More Dynamic Interface
Operates Offline
Operates Offline
Expensive
Reasonable Cost
Expensive
W
E
B
A
P
P

APP DEVELOPMENT 50
Mobile
Web
or
Na2ve
App?
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.

APP DEVELOPMENT 51
What
Should
Our
App
Do?
“What
things
should
we
try
to
do
with
a
mobile
app?”

APP DEVELOPMENT 52
What
Should
Our
App
Do?
IDENTIFY
business
opportuniIes
DESCRIBE
consumer
demands
DESIGN
a
soluIon.

APP DEVELOPMENT 53
What
Should
Our
App
Do?
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

APP DEVELOPMENT 54
What
Should
Our
App
Do?
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

APP DEVELOPMENT 55
What
Should
Our
App
Do?
Design
a
Solu2on
‣ Policies
‣ Claims
‣ Photos
‣ Documents
‣ Billing

EXAMPLE BILLING 56
Use
Cases
for
Insured
Billing
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

57
UC-1
Insured
Visits
Welcome
Screen
MOBILE DEVICE TECHNOLOGY PHIL REYNOLDS

58
Loudoun Mutual
Hi, Phil Reynolds!
Welcome to the Loudoun
Mutual Mobile App.
Log Out
Policy Claims Payments Photos Docs
UC-1
Insured
Visits
Welcome
Screen

59
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-1
Insured
Visits
Welcome
Screen
Insured
name
is
looked
up
from
account
login.
Welcome
text
is
controlled
through
admin
CMS.
App
is
branded
to
carrier.
Insured
can
log
out
from
the
welcome
screen.

60
UC-2
Insured
Views
Currently
Due

61
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-2
Insured
Views
Currently
Due

62
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-2
Insured
Views
Currently
Due

63
Loudoun Mutual
POLICY: 020111044
Current Invoice Make a Payment Account History
Current Balance:
Due Date:
Last Payment Received:
Last Payment Amount:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-2
Insured
Views
Currently
Due

64
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Amount
represents
only
a
single
policy.
If
mulIple
invoices
are
acIve,
show
nearest
due
date.
UC-2
Insured
Views
Currently
Due
Should
link
to
a
document
image
of
the
most
recently
sent
invoice.

65
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-2
Insured
Views
Currently
Due

66
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-2
Insured
Views
Currently
Due

67
Loudoun Mutual
Current Bill
Loudoun Mutual
Phillip D. Reynolds
509 West Olive
Suite 101
Springfield, MO 65806
(417) 299 -1119
PO Box 58
Waterford, VA 20197
(540) 882-3232
www.loudounmutual.com
$56.00
3/20/2014
04/15/2014
Loudoun Mutual
05/01/2014
Loudoun Mutual Insurance Company
PO Box 58
Waterford, VA 20197
UC-2
Insured
Views
Currently
Due

68
Loudoun Mutual
Current Bill
Loudoun Mutual
Phillip D. Reynolds
509 West Olive
Suite 101
(417) 299 -1119
PO Box 58
Waterford, VA 20197
(540) 882-3232
$56.00
3/20/2014
04/15/2014
Loudoun Mutual
05/01/2014
PO Box 58
Waterford, VA 20197
UC-2
Insured
Views
Currently
Due

69
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-2
Insured
Views
Currently
Due

70
UC-3
Insured
Makes
a
Payment

71
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-3
Insured
Makes
a
Payment

72
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-3
Insured
Makes
a
Payment

73
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-3
Insured
Makes
a
Payment

74
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-3
Insured
Makes
a
Payment

75
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 05/01/14
$ Payment Amount
Credit Card Number
Exp Month Exp Year CCV
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

76
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 05/01/14
$ Payment Amount
Credit Card Number
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment
Total
amount
across
all
invoices
by
earliest
due
date.
“On
/
Off”
represents
status
of
auto
pay.
Default
to
currently
due.

77
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 05/01/14
$ Payment Amount
Credit Card Number
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

78
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 05/01/14
$ Payment 56.00
Amount
1233876123876789
Credit Card Number
Exp 11 Month 2017 Exp Year 241
CCV
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

79
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 05/01/14
$ Payment 56.00
Amount
1233876123876789
Credit Card Number
CCV
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment
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
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 05/01/14
$ Payment 56.00
Amount
1233876123876789
Credit Card Number
CCV
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

81
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 05/01/14
$ Payment 56.00
Amount
1233876123876789
Credit Card Number
CCV
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

82
Loudoun Mutual
POLICY: 020111044
Payment
Amount Due: $56.00 by 05/01/14
You are about to pay $56.00
from your credit card ending in
$ Payment 56.00
Amount
***6789. Are you sure?
1233876123876789
Credit Card Number
OK Cancel
11 Exp Month 2017 Exp Year 241
CCV
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

83
Loudoun Mutual
POLICY: 020111044
Payment
Amount Due: $56.00 by 05/01/14
You are about to pay $56.00
from your credit card ending in
$ Payment 56.00
Amount
***6789. Are you sure?
1233876123876789
Credit Card Number
OK Cancel
11 Exp Month 2017 Exp Year 241
CCV
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

84
Loudoun Mutual
POLICY: 020111044
Payment Completed Successfully!
Paid On:
Amount Due:
04/28/14
$56.00
Receipt Number: XQ1234
Make a Payment
UC-3
Insured
Makes
a
Payment

85
Loudoun Mutual
POLICY: 020111044
Payment Completed Successfully!
Paid On:
Amount Due:
04/28/14
$56.00
Receipt Number: XQ1234
Make a Payment
UC-3
Insured
Makes
a
Payment

86
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
11 Exp Month 2017 Exp Year CCV
***
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

87
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment
Date
now
displays
next
due
date.
Other
payment
details
are
stored
now
as
primary
payment
method,
and
obfuscated.
Payment
amount
is
now
blank.

88
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-3
Insured
Makes
a
Payment

89
UC-4
Insured
Enables
Auto-‐Pay

90
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-4
Insured
Enables
Auto-‐Pay

91
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-4
Insured
Enables
Auto-‐Pay

92
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-4
Insured
Enables
Auto-‐Pay

93
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-4
Insured
Enables
Auto-‐Pay

94
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-4
Insured
Enables
Auto-‐Pay

95
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-4
Insured
Enables
Auto-‐Pay
Status
is
currently
“Off”

96
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-4
Insured
Enables
Auto-‐Pay

97
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-4
Insured
Enables
Auto-‐Pay

98
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
UC-4
Insured
Enables
Auto-‐Pay

99
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
UC-4
Insured
Enables
Auto-‐Pay
Icon
displays
terms
and
condiIons.
Toggle
is
currently
off.

100
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
UC-4
Insured
Enables
Auto-‐Pay

101
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
UC-4
Insured
Enables
Auto-‐Pay

102
Loudoun Mutual
POLICY: 020111044
Make Payment
Notice!
Auto-Pay
Legal disclaimers, terms,
description of when money will
be withdrawn from accounts.
I Agree Cancel
UC-4
Insured
Enables
Auto-‐Pay

103
Loudoun Mutual
POLICY: 020111044
Make Payment
Notice!
Auto-Pay
I Agree Cancel
UC-4
Insured
Enables
Auto-‐Pay
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
Make Payment
Notice!
Auto-Pay
I Agree Cancel
UC-4
Insured
Enables
Auto-‐Pay

105
Loudoun Mutual
POLICY: 020111044
Make Payment
Notice!
Auto-Pay
I Agree Cancel
UC-4
Insured
Enables
Auto-‐Pay

106
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
Payment Schedule
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
UC-4
Insured
Enables
Auto-‐Pay

107
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
Payment Schedule
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
UC-4
Insured
Enables
Auto-‐Pay
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
Make Payment
Auto-Pay
Payment Schedule
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
UC-4
Insured
Enables
Auto-‐Pay

109
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay On
PAY NOW
UC-4
Insured
Enables
Auto-‐Pay

110
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay On
PAY NOW
UC-4
Insured
Enables
Auto-‐Pay
Status
is
now
“On”

111
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay On
PAY NOW
UC-4
Insured
Enables
Auto-‐Pay

112
UC-5
Insured
Disables
Auto-‐Pay

113
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-5
Insured
Disables
Auto-‐Pay

114
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-5
Insured
Disables
Auto-‐Pay

115
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-5
Insured
Disables
Auto-‐Pay

116
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-5
Insured
Disables
Auto-‐Pay

117
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay On
PAY NOW
UC-5
Insured
Disables
Auto-‐Pay

118
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay On
PAY NOW
Status
is
currently
“On”
UC-5
Insured
Disables
Auto-‐Pay

119
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay On
PAY NOW
UC-5
Insured
Disables
Auto-‐Pay

120
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay On
PAY NOW
UC-5
Insured
Disables
Auto-‐Pay

121
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
Payment Schedule
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
UC-5
Insured
Disables
Auto-‐Pay

122
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
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.
UC-5
Insured
Disables
Auto-‐Pay

123
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
Payment Schedule
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
UC-5
Insured
Disables
Auto-‐Pay

124
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
Payment Schedule
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
UC-5
Insured
Disables
Auto-‐Pay

125
Loudoun Mutual
POLICY: 020111044
Make Payment
Notice!
Auto-Pay
You are disabling auto-pay for
your account. Payment Legal Schedule
disclaimers,
terms, etc… Do you agree?
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
I Agree Cancel
UC-5
Insured
Disables
Auto-‐Pay

126
Loudoun Mutual
POLICY: 020111044
Make Payment
Notice!
Auto-Pay
You are disabling auto-pay for
your account. Payment Legal Schedule
disclaimers,
terms, etc… Do you agree?
05/28/14
08/28/14
11/28/14
02/28/14
$58.00
$58.00
$58.00
$58.00
I Agree Cancel
UC-5
Insured
Disables
Auto-‐Pay

127
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
UC-5
Insured
Disables
Auto-‐Pay

128
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
Toggle
is
now
off.
UC-5
Insured
Disables
Auto-‐Pay

129
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
UC-5
Insured
Disables
Auto-‐Pay

130
Loudoun Mutual
POLICY: 020111044
Make Payment
Auto-Pay
UC-5
Insured
Disables
Auto-‐Pay

131
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-5
Insured
Disables
Auto-‐Pay

132
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-5
Insured
Disables
Auto-‐Pay
Status
is
now
“Off”

133
Loudoun Mutual
POLICY: 020111044
Amount Due: $56.00 by 06/01/14
$ Payment Amount
**** Credit **** Card **** 6789
Number
***
Auto-Pay Off
PAY NOW
UC-5
Insured
Disables
Auto-‐Pay

134
UC-6
Insured
Views
Account
History

135
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-6
Insured
Views
Account
History

136
Loudoun Mutual
Hi, Phil Reynolds!
Mutual Mobile App.
Log Out
UC-6
Insured
Views
Account
History

137
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-6
Insured
Views
Account
History

138
Loudoun Mutual
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
UC-6
Insured
Views
Account
History

139
POLICY: 020111044
04/01/2014
03/15/2014
03/01/2014
02/15/2014
02/01/2014
01/15/2014
01/01/2014
Loudoun Mutual
Invoice
Payment
Invoice
Payment
Invoice
Payment
Invoice
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
UC-6
Insured
Views
Account
History

140
POLICY: 020111044
04/01/2014
03/15/2014
03/01/2014
02/15/2014
02/01/2014
01/15/2014
01/01/2014
Loudoun Mutual
Invoice
Payment
Invoice
Payment
Invoice
Payment
Invoice
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
UC-6
Insured
Views
Account
History
Table
columns
include:
*
Date
*
TransacIon
Type
*
Amount
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

141
POLICY: 020111044
04/01/2014
03/15/2014
03/01/2014
02/15/2014
02/01/2014
01/15/2014
01/01/2014
Loudoun Mutual
Invoice
Payment
Invoice
Payment
Invoice
Payment
Invoice
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
UC-6
Insured
Views
Account
History

142
POLICY: 020111044
04/01/2014
03/15/2014
03/01/2014
02/15/2014
02/01/2014
01/15/2014
01/01/2014
Loudoun Mutual
Invoice
Payment
Invoice
Payment
Invoice
Payment
Invoice
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
UC-6
Insured
Views
Account
History

143
Loudoun Mutual
POLICY: 020111044
Account History
Mailed On:
Amount Due:
04/10/2014
Due Date:
Invoice
Paid Status: Unpaid
View Invoice
$56.00
05/01/2014
UC-6
Insured
Views
Account
History

144
Loudoun Mutual
POLICY: 020111044
Account History
Mailed On:
Amount Due:
04/10/2014
Due Date:
Invoice
Paid Status: Unpaid
View Invoice
$56.00
05/01/2014
UC-6
Insured
Views
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
Account History
Mailed On:
Amount Due:
04/10/2014
Due Date:
Invoice
Paid Status: Unpaid
View Invoice
$56.00
05/01/2014
UC-6
Insured
Views
Account
History

146
Loudoun Mutual
POLICY: 020111044
Account History
Mailed On:
Amount Due:
04/10/2014
Due Date:
Invoice
Paid Status: Unpaid
View Invoice
$56.00
05/01/2014
UC-6
Insured
Views
Account
History

147
Loudoun Mutual
Invoice Detail
Loudoun Mutual
Phillip D. Reynolds
509 West Olive
Suite 101
(417) 299 -1119
PO Box 58
Waterford, VA 20197
(540) 882-3232
$56.00
3/20/2014
04/15/2014
Loudoun Mutual
05/01/2014
PO Box 58
Waterford, VA 20197
UC-6
Insured
Views
Account
History

148
Loudoun Mutual
Invoice Detail
Loudoun Mutual
Phillip D. Reynolds
509 West Olive
Suite 101
(417) 299 -1119
PO Box 58
Waterford, VA 20197
(540) 882-3232
$56.00
3/20/2014
04/15/2014
Loudoun Mutual
05/01/2014
PO Box 58
Waterford, VA 20197
UC-6
Insured
Views
Account
History

149
Loudoun Mutual
POLICY: 020111044
Account History
Mailed On:
Amount Due:
04/10/2014
Due Date:
Invoice
Paid Status: Unpaid
View Invoice
$56.00
05/01/2014
UC-6
Insured
Views
Account
History

150
Loudoun Mutual
POLICY: 020111044
Account History
Mailed On:
Amount Due:
04/10/2014
Due Date:
Invoice
Paid Status: Unpaid
View Invoice
$56.00
05/01/2014
UC-6
Insured
Views
Account
History

151
POLICY: 020111044
04/01/2014
03/15/2014
03/01/2014
02/15/2014
02/01/2014
01/15/2014
01/01/2014
Loudoun Mutual
Invoice
Payment
Invoice
Payment
Invoice
Payment
Invoice
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
$56.00
UC-6
Insured
Views
Account
History

MORE IDEAS 152
What
else
could
our
mobile
app
do?
Policy
‣ 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)

MORE IDEAS 153
What
else
could
our
mobile
app
do?
Claims
‣ 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)

MORE IDEAS 154
What
else
could
our
mobile
app
do?
Photos
‣ Allow
insured
to
take
photos
of
their
property.
‣ Create
an
inventory
of
contents.
‣ Prompt
the
user
once
a
year
to
update
records.

MORE IDEAS 155
What
else
could
our
mobile
app
do?
Documents
‣ 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.

CONCLUSION 156
Discussion
Ques2ons
/
Feedback?

CONCLUSION 157
Contact
Info
Email
Phone
Website
phil@britecore.com
417.299.1119
www.britecore.com

CONCLUSION 158
Contact
Info
You
can
view
this
presentaIon
online
at:
http://www.slideshare.net/PhilReynolds2/mobile-technology-32793965

BriteCon 2014 Mobile Session

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