Mobile Technology

TECHNOLOGY
Mobile 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
Discussion
OVERVIEW
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
Deﬁni2ons
THINGS 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.
Terms
and
Deﬁni2ons
THINGS TO KNOW

6
Major
Mobile
OperaIng
Systems
Pla<orms
THINGS 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.
Terms
and
Deﬁni2ons
THINGS TO KNOW

9
Mobile
Website:
Web
site
designed
for

and
delivered
through
a
mobile

browser
such
as
Safari,
Chrome,
or
the

Android
browser.
Terms
and
Deﬁni2ons
THINGS TO KNOW

The
Rise
of
Mobile
Devices
MOBILE TRENDS
10
Mobile
technology
has
risen
FASTER
than

ANY
other
technology
in
recorded
history.

The
Rise
of
Mobile
Devices
MOBILE TRENDS
11
Mobile
device
adopIon
is
growing

8
TIMES
FASTER

Than
internet
adopIon
did
in
the

1990s
and
early
2000s.


The
Rise
of
Mobile
Devices
MOBILE TRENDS
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
Adop2on
MOBILE TRENDS
13
0%
25%
50%
75%
100%
2011 2012 2013 2014 2015 2016 2017
78%
74%
69%
63%
56%
50%
39%
207m

Tablet
Growth
MOBILE 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
Adop2on
MOBILE 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
Distribu2on
MOBILE 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

The
Rise
of
Mobile
Devices
MOBILE TRENDS
17
At
7
billion
units,

there
are
more
acIve

mobile
devices
on

Earth
than
people.

The
Rise
of
Mobile
Devices
MOBILE TRENDS
18
The
average
smartphone
user
spends

2.6
hours

a
day
using
their
mobile
device.

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

The
Rise
of
Mobile
Devices
MOBILE TRENDS
20
51%
of
consumers
say
they
have
made
a
mobile

payment
within
the
past
3
months.

The
Rise
of
Mobile
Devices
MOBILE TRENDS
21
57%
of
smartphone
users
will
not
recommend
a

business
with
a
poorly
designed
mobile
site.

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

apps
more
favorably.

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

the
end
of
2015.

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

The
Innovators
Dilemma
ENGAGE 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.”

The
Innovators
Dilemma
ENGAGE NOW
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.

The
Innovators
Dilemma
ENGAGE NOW
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.

The
Innovators
Dilemma
ENGAGE NOW
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.

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

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

The
Innovators
Dilemma
ENGAGE NOW
31
Some
Examples
from
History

!
‣ Telegraph
>
Telephone

‣ Cable
Excavators
>
Hydraulic
Excavators

‣ X-‐Ray
>
Ultrasound

‣ Horse
and
Buggy
>
Automobiles

‣ Riverboats
>
Railway

The
Innovators
Dilemma
ENGAGE NOW
32
More
Recent
Examples

!
‣ Postal
Mail
>
Email

‣ Tube
Radios
>
Transistor
Radio

‣ Record
>
Tape
>
CD
>
Downloadable
Files

‣ Piano
>
Digital
Keyboard

‣ Film
>
Digital
Cameras

The
Innovators
Dilemma
ENGAGE NOW
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

The
Innovators
Dilemma
ENGAGE NOW
34
Solving
the
Innovators
Dilemma

!
IdenIfy,
develop
and
successfully
market
emerging,

potenIally
disrupIve
technologies
before
they
overtake
the

tradiIonal
sustaining
technology.

The
Innovators
Dilemma
ENGAGE NOW
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
Start
APP DEVELOPMENT
36
“I
don’t
know
the
ﬁrst
thing
about
mobile.

How
do
I
get
started?”

Where
to
Start
APP 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.

Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
39
‣ Exposure

‣ Support

‣ Pla`orm

‣ Interface

‣ ConnecIvity

‣ Features

‣ Speed

‣ DistribuIon

‣ Expense
Factors
to
Consider

Exposure
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
40
Web App
20% 80%
The average smartphone user spends 20% of their time
browsing the web and 80% of their time in native apps.

Support
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
41
Web App
250,000 25,000
There are approximately ten times as many web
developers in the US as app developers.

Pla<orm
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
42
Web App
Browser 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
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
43
Web App
Static Dynamic
Mobile Web sites are largely static interfaces with only sparse
interactivity. Mobile apps can be much more dynamic and interactive.

Connec2vity
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
44
Web App
Required Optional
Mobile Web sites depend on internet availability while mobile
apps can operate without network access and sync data later.

Features
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
45
Web App
Limited Complete
Browsers can only access some device features while a mobile app can
utilize advanced features such as GPS, Camera, Accelerometer, etc.

Speed
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
46
Web App
Slower Faster
Mobile websites offer a slower user experience because content must be
downloaded and then rendered in a browser. Apps are much faster.

Distribu2on
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
47
Web App
Web App Store
Mobile websites are accessible from any browser without restriction while
apps must be submitted, accepted, and published through an app store.

Expense
Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
48
Web App
Reasonable Expensive
Mobile websites are cheaper to build and maintain due to
single code base and higher availability of developers.

Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
49
20%
250,000
Browser
Static
Online
Limited
Slow
Web
Reasonable
80%
25,000
Native
Dynamic
Oﬄine/Online
Complete
Fast
App Store
Expensive
W!
E!
B
A!
P 
P

Mobile
Web
or
Na2ve
App?
APP DEVELOPMENT
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
Goals
APP 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
Goals
APP 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
Goals
APP DEVELOPMENT
55
So]ware
Requirements
Specifica2on
(SRS)
‣ A
soDware
requirements
specificaIon
document
describes
a

soDware
project
using
a
predefined
structure.

Describe
Your
Goals
APP DEVELOPMENT
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.

Describe
Your
Goals
APP DEVELOPMENT
57
Components
of
an
SRS
1. Business
Requirements

2. Success
CondiIons

3. Scope

4. Use
Cases

5. Supplements

SRS
Components
APP DEVELOPMENT
58
1.
Business
Requirements
Business
Requirements
are
broad
statements
arIculaIng

the
larger
organizaIonal
and
strategic
goals
of
a
project.

SRS
Components
APP DEVELOPMENT
59
1.
Business
Requirements
‣ Try
to
communicate
the
spirit
and
intent
of
a
project.

‣ Business
requirements
should
serve
as
a
focusing
lens.

‣ Avoid
implementaIon
details.

SRS
Components
APP DEVELOPMENT
60
2.
Success
Condi2ons
Success
condiIons
are
measurable
facts
that
will
be

true
when
the
business
requirements
are
met.

SRS
Components
APP DEVELOPMENT
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.

SRS
Components
APP DEVELOPMENT
62
3.
Scope
Scope
deﬁnes
the
substance
and
boundaries
of
a
project.

SRS
Components
APP DEVELOPMENT
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.

SRS
Components
APP DEVELOPMENT
64
4.
Supplements
Supplements
provide
any
addiIonal
informaIon
a

developer
might
need
to
complete
a
project
successfully.

SRS
Components
APP DEVELOPMENT
65
4.
Supplements
‣ Terms
and
DeﬁniIons

‣ Links
and
Resources

‣ Data
Exchange
Formats

‣ Vendor
Details

‣ Rules
and
RegulaIons

‣ AssumpIons
&
LimitaIons

SRS
Components
APP DEVELOPMENT
66
5.
Use
Cases
Use
Cases
describe
the
acIons
a
user

will
take
to
accomplish
speciﬁc
tasks.

SRS
Components
APP DEVELOPMENT
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.

>

SRS
Components
APP DEVELOPMENT
68
Design
Skills
Don’t
Macer!

Design
a
Solu2on
EXAMPLE SRS
69
A. Business
Requirements

B. Success
CondiIons

C. Scope

D. Supplements

E. Use
Cases

A.
Business
Requirements
EXAMPLE 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
Condi2ons
EXAMPLE 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.

B.
Success
Condi2ons
EXAMPLE SRS
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.

B.
Success
Condi2ons
EXAMPLE SRS
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.
Scope
EXAMPLE 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.
Scope
EXAMPLE 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.
Scope
EXAMPLE 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.
Supplements
EXAMPLE 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.

D.
Supplements
EXAMPLE SRS
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.

D.
Supplements
EXAMPLE SRS
81
3.
Links
and
Resources
‣ Underwri2ng
Manual:

hip://manuals.loudoun.com?=u12

‣ Billing
System
Development
API:

hip://api.britecore.com

‣ Client
Lead:

todd.robertson@loudounmutual.com

‣ IWS
Lead:

jusIn@britecore.com

D.
Supplements
EXAMPLE SRS
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.

D.
Supplements
EXAMPLE SRS
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
Cases
EXAMPLE 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
UC-1!
Insured
Visits
Welcome
Screen

87
Loudoun Mutual
Mutual Mobile App.
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.
UC-1!
Insured
Visits
Welcome
Screen
App
is
branded
to

carrier.

88
UC-2!
Insured
Views
Currently
Due

89
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-2!
Insured
Views
Currently
Due

90
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-2!
Insured
Views
Currently
Due

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 HistoryCurrent Invoice
UC-2!
Insured
Views
Currently
Due

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.
UC-2!
Insured
Views
Currently
Due

93
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-2!
Insured
Views
Currently
Due

94
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-2!
Insured
Views
Currently
Due

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
UC-2!
Insured
Views
Currently
Due

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
UC-2!
Insured
Views
Currently
Due

97
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-2!
Insured
Views
Currently
Due

98
UC-3!
Insured
Makes
a
Payment

99
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-3!
Insured
Makes
a
Payment

100
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-3!
Insured
Makes
a
Payment

101
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-3!
Insured
Makes
a
Payment

102
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-3!
Insured
Makes
a
Payment

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
UC-3!
Insured
Makes
a
Payment

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
UC-3!
Insured
Makes
a
Payment
“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
UC-3!
Insured
Makes
a
Payment

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
UC-3!
Insured
Makes
a
Payment

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
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.

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
UC-3!
Insured
Makes
a
Payment

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
UC-3!
Insured
Makes
a
Payment

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 241
OK Cancel
Payment
You are about to pay $56.00
from your credit card ending in
***6789. Are you sure?
UC-3!
Insured
Makes
a
Payment

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 241
OK Cancel
Payment
You are about to pay $56.00
from your credit card ending in
***6789. Are you sure?
UC-3!
Insured
Makes
a
Payment

112
Loudoun Mutual
POLICY: 020111044
Paid On:
Amount Due:
04/28/14
$56.00
Payment Completed Successfully!
Receipt Number: XQ1234
Make a Payment
UC-3!
Insured
Makes
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
UC-3!
Insured
Makes
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 ***
UC-3!
Insured
Makes
a
Payment

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 ***
UC-3!
Insured
Makes
a
Payment
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 ***
UC-3!
Insured
Makes
a
Payment

117
UC-4!
Insured
Enables
Auto-‐Pay

118
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-4!
Insured
Enables
Auto-‐Pay

119
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-4!
Insured
Enables
Auto-‐Pay

120
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-4!
Insured
Enables
Auto-‐Pay

121
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-4!
Insured
Enables
Auto-‐Pay

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 ***
UC-4!
Insured
Enables
Auto-‐Pay

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 ***
UC-4!
Insured
Enables
Auto-‐Pay
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 ***
UC-4!
Insured
Enables
Auto-‐Pay

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 ***
UC-4!
Insured
Enables
Auto-‐Pay

126
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
UC-4!
Insured
Enables
Auto-‐Pay

127
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
UC-4!
Insured
Enables
Auto-‐Pay
Icon
displays
terms
and

condiIons.
Toggle
is
currently
oﬀ.

128
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
UC-4!
Insured
Enables
Auto-‐Pay

129
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
UC-4!
Insured
Enables
Auto-‐Pay

130
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
I Agree Cancel
Notice!
Legal disclaimers, terms,
description of when money will
be withdrawn from accounts.
UC-4!
Insured
Enables
Auto-‐Pay

131
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
I Agree Cancel
Notice!
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.

132
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
I Agree Cancel
Notice!
UC-4!
Insured
Enables
Auto-‐Pay

133
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
I Agree Cancel
Notice!
UC-4!
Insured
Enables
Auto-‐Pay

134
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
UC-4!
Insured
Enables
Auto-‐Pay

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
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.

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
UC-4!
Insured
Enables
Auto-‐Pay

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 ***
UC-4!
Insured
Enables
Auto-‐Pay

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 ***
UC-4!
Insured
Enables
Auto-‐Pay
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 ***
UC-4!
Insured
Enables
Auto-‐Pay

140
UC-5!
Insured
Disables
Auto-‐Pay

141
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-5!
Insured
Disables
Auto-‐Pay

142
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-5!
Insured
Disables
Auto-‐Pay

143
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-5!
Insured
Disables
Auto-‐Pay

144
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-5!
Insured
Disables
Auto-‐Pay

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 ***
UC-5!
Insured
Disables
Auto-‐Pay

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”
UC-5!
Insured
Disables
Auto-‐Pay

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 ***
UC-5!
Insured
Disables
Auto-‐Pay

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 ***
UC-5!
Insured
Disables
Auto-‐Pay

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
UC-5!
Insured
Disables
Auto-‐Pay

150
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.
UC-5!
Insured
Disables
Auto-‐Pay

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
UC-5!
Insured
Disables
Auto-‐Pay

152
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
UC-5!
Insured
Disables
Auto-‐Pay

153
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?
UC-5!
Insured
Disables
Auto-‐Pay

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?
UC-5!
Insured
Disables
Auto-‐Pay

155
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
UC-5!
Insured
Disables
Auto-‐Pay

156
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
Toggle
is
now
oﬀ.
UC-5!
Insured
Disables
Auto-‐Pay

157
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
UC-5!
Insured
Disables
Auto-‐Pay

158
Loudoun Mutual
POLICY: 020111044
Auto-Pay
Make Payment
UC-5!
Insured
Disables
Auto-‐Pay

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 ***
UC-5!
Insured
Disables
Auto-‐Pay

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 ***
UC-5!
Insured
Disables
Auto-‐Pay
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 ***
UC-5!
Insured
Disables
Auto-‐Pay

162
UC-6!
Insured
Views
Account
History

163
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-6!
Insured
Views
Account
History

164
Loudoun Mutual
Mutual Mobile App.
Hi, Phil Reynolds!
Log Out
UC-6!
Insured
Views
Account
History

165
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-6!
Insured
Views
Account
History

166
POLICY: 020111044
Current Balance:
Due Date:
$56.00
05/01/2014
03/20/2014
$56.00
View Invoice
Loudoun Mutual
UC-6!
Insured
Views
Account
History

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
UC-6!
Insured
Views
Account
History

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
UC-6!
Insured
Views
Account
History
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
UC-6!
Insured
Views
Account
History

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
UC-6!
Insured
Views
Account
History

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
UC-6!
Insured
Views
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
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.

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
UC-6!
Insured
Views
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
UC-6!
Insured
Views
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
UC-6!
Insured
Views
Account
History

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
UC-6!
Insured
Views
Account
History

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
UC-6!
Insured
Views
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
UC-6!
Insured
Views
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
UC-6!
Insured
Views
Account
History

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

What
else
could
your
mobile
app
do?
MORE IDEAS
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

What
else
could
your
mobile
app
do?
MORE IDEAS
182
‣ Allow
insured
to
take
photos
of
their
property.

‣ Create
an
inventory
of
contents.

‣ Prompt
the
user
once
a
year
to
update
records.
Photos

What
else
could
your
mobile
app
do?
MORE IDEAS
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

Discussion
CONCLUSION
184
Ques2ons
/
Feedback?

Contact
Info
CONCLUSION
185
Email

Phone

Website
phil@britecore.com

417.299.1119

www.britecore.com

Mobile Technology

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