GEICO Mobile - Car Insurance 图标

GEICO 保单、账单与电子保卡数据

GEICO · 银行

GEICO Mobile - Car Insurance 是 GEICO(Government Employees Insurance Company,伯克希尔·哈撒韦旗下、总部在马里兰州 Chevy Chase 的美国车险公司)的官方 Android 自助应用。投保人登录后,首页可查看电子保卡、保单详情、账单缴费与自动扣款、理赔申请与进度、道路救援(Emergency Road Service)以及 DriveEasy 驾驶评分;同一账户也可加车、加驾驶员、调整保障、开通电子账单并管理钱包卡片,若家庭保单含摩托、船舶、房车或房屋/租客险也可一并处理。面向美国 GEICO 车险客户,用来在手机上完成保卡、缴费与理赔,而不必打开 geico.com 或打电话给坐席,与 Progressive、State Farm、Allstate、USAA 的官方应用争夺同一批个人车险用户。

额定州份的车险保单挂在 number 与 ratedState 上,effectiveDate、expirationDate、totalPremium、policyStatusCode 与 lineOfBusinessCode 描述保险期间。保单车辆带 vin、year、makeLongDescription 与 estimatedAnnualMileage;账单行给出 outstandingBalance、currentDueAmount、currentDueDate 与 payPlanCode,缴费台账则以 pastPayments 列出 amount、processDate 与 status。

保险凭证是电子保卡:frontIdCard、backIdCard 与 barCode,以及 hasBodilyInjuryLiabilityCoverage、hasCollisionCoverage 等保障标志。第一方与第三方理赔以 claimNumber、claimStatus、lossDate、lossTypeCode 返回。DriveEasy 车联网给出 score、adjustedScore、scoreLevel 与行程行。道路救援以绑定 claimNumber 的 dispatchNumber 确认。

保单管理、理赔与车队工具都需要这份 GEICO 家庭记录。账单系统把 number 与 outstandingBalance、currentDueDate 对齐,自动扣款与不足额规则不必再登录门户。理赔平台按 claimNumber 与 lossDate 对接维修与租车供应商。驾驶辅导读取 adjustedScore 与评分档位来呈现 DriveEasy 建议。openData Studio 把这份保单、账单、电子保卡与理赔记录变成可调用的开放数据,供这些集成使用。

应用截图

  • GEICO Mobile - Car Insurance 应用截图 1
  • GEICO Mobile - Car Insurance 应用截图 2
  • GEICO Mobile - Car Insurance 应用截图 3
  • GEICO Mobile - Car Insurance 应用截图 4
  • GEICO Mobile - Car Insurance 应用截图 5
  • GEICO Mobile - Car Insurance 应用截图 6
  • GEICO Mobile - Car Insurance 应用截图 7
  • GEICO Mobile - Car Insurance 应用截图 8

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构,为示意说明,并非实际抓包。

  • 会话开启(保单组合)

    POST /v1/sessions/start osint

    开启移动会话:userId 加仅保单组合的摘要选项,返回已授权的车险保单、按保单凭证、加密会话令牌与刷新令牌,供后续调用携带。

    认证方式: 无需既有会话的登录请求。android 客户端标记与 native 来源标识调用方;userId 为 GEICO 登录名。返回 encryptedSessionToken、refreshToken 以及后续调用所需的按保单凭证。

    • userId
    • summaryOption
    • encryptedSessionToken
    • refreshToken
    • namedInsuredFirstName
    • sessionId
    • policies
    • displayPolicyNumber
    • policyNickname
    • policyType
    • outstandingBalance
    • paymentAmountDue
    • paymentDueDate
    • credentials
    • userSessionTokenId
    • serviceStatus
    • correlationId
    POST /v1/sessions/start HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "userId": "[email protected]",
      "summaryOption": "PORTFOLIO_POLICIES_ONLY"
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-7b5d4c2a",
      "userSessionTokenId": "ust-3fa9c1e2",
      "userId": "[email protected]",
      "namedInsuredFirstName": "Alex",
      "encryptedSessionToken": "<encrypted-session>",
      "refreshToken": "<refresh>",
      "sessionId": "sess-10432",
      "policies": [
        {
          "displayPolicyNumber": "4001-234-567",
          "policyNickname": "Family auto",
          "policyType": "AUTO",
          "policyStatusCode": "INFORCE",
          "lineOfBusiness": "AUTO",
          "outstandingBalance": 214.35,
          "paymentAmountDue": 107.18,
          "paymentDueDate": "2026-11-12T00:00:00.000Z",
          "effectiveDate": "2026-05-12T00:00:00.000Z",
          "expirationDate": "2026-11-12T00:00:00.000Z",
          "credentials": {
            "policyNumber": "4001234567",
            "userId": "[email protected]",
            "digest": "<digest>",
            "salt": "<salt>",
            "sessionCookie": "<session-cookie>",
            "issued": 1760860800000,
            "version": "1"
          }
        }
      ]
    }
  • 读取车险保单

    POST /v1/policies/auto/detail openfinance

    返回已登录车险线路的完整保单记录——number、ratedState、保险期间、totalPremium、车辆(vin / makeLongDescription)与驾驶员——对应保单详情页。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • number
    • ratedState
    • effectiveDate
    • expirationDate
    • totalPremium
    • policyStatusCode
    • policyStatusDescription
    • lineOfBusinessCode
    • insuranceLineCode
    • tenureInYears
    • termLength
    • writingCompanyCode
    • telematicsProductCode
    • epolicyStatus
    • vehicles
    • vin
    • makeLongDescription
    • estimatedAnnualMileage
    • drivers
    POST /v1/policies/auto/detail HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      }
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-policy-11",
      "userSessionTokenId": "ust-3fa9c1e2",
      "policy": {
        "number": "4001234567",
        "ratedState": "MD",
        "effectiveDate": "2026-05-12T00:00:00.000Z",
        "expirationDate": "2026-11-12T00:00:00.000Z",
        "totalPremium": 1286.16,
        "policyStatusCode": "INFORCE",
        "policyStatusDescription": "In force",
        "lineOfBusinessCode": "AUTO",
        "insuranceLineCode": "PA",
        "tenureInYears": 8,
        "termLength": 6,
        "writingCompanyCode": "GEICO",
        "telematicsProductCode": "DRIVEEASY",
        "epolicyStatus": "ENROLLED",
        "vehicles": [
          {
            "vin": "1HGCM82633A004352",
            "year": "2022",
            "makeLongDescription": "HONDA",
            "modelLongDescription": "ACCORD",
            "unitNumber": "1",
            "estimatedAnnualMileage": "12000",
            "registeredState": "MD",
            "digitalIdCardType": "OFFICIAL"
          }
        ],
        "drivers": [
          {
            "firstName": "Alex",
            "lastName": "Rivera"
          }
        ]
      }
    }
  • 账户级账单摘要

    POST /v1/billing/account-summary openbanking

    读取保单的账单快照——outstandingBalance、currentDueAmount / currentDueDate、payPlanCode 以及自动扣款 / 电子账单标记——对应缴费页。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • outstandingBalance
    • currentAmountDue
    • currentDueDate
    • policyNumber
    • accountLevelAllowedActions
    • currentDueAmount
    • amountToPay
    • nextInstallmentDueAmount
    • nextInstallmentDueDate
    • payPlanCode
    • payPlanDescription
    • enrolledInRecurringPayment
    • ebillStatus
    • lastPaymentAmount
    • lastPaymentDate
    • lastPaymentStatus
    POST /v1/billing/account-summary HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      }
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-bill-22",
      "outstandingBalance": 214.35,
      "currentAmountDue": 107.18,
      "currentDueDate": "2026-11-12T00:00:00.000Z",
      "policyNumber": "4001234567",
      "accountLevelAllowedActions": [
        "PayNow",
        "EditPayPlan"
      ],
      "currentDueAmount": 107.18,
      "amountToPay": 107.18,
      "nextInstallmentDueAmount": 107.18,
      "nextInstallmentDueDate": "2026-12-12T00:00:00.000Z",
      "payPlanCode": "MPP",
      "payPlanDescription": "Monthly pay plan",
      "enrolledInRecurringPayment": true,
      "ebillStatus": "ENROLLED",
      "lastPaymentAmount": 107.18,
      "lastPaymentDate": "2026-10-12T00:00:00.000Z",
      "lastPaymentStatus": "POSTED"
    }
  • 缴费历史(已付与已排期)

    POST /v1/billing/payments/history openbanking

    列出保单上已入账与已排期保费的缴费行——amount、displayName、processDate、status。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • pastPayments
    • scheduledPayments
    • id
    • amount
    • displayName
    • type
    • processDate
    • status
    • pendingStatus
    • pendingType
    POST /v1/billing/payments/history HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      }
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-payhist-33",
      "pastPayments": [
        {
          "id": "pmt-88120",
          "amount": 107.18,
          "displayName": "Visa ****4242",
          "type": "CARD",
          "processDate": "2026-10-12T00:00:00.000Z",
          "status": "POSTED",
          "pendingStatus": "",
          "pendingType": ""
        }
      ],
      "scheduledPayments": [
        {
          "id": "pmt-88121",
          "amount": 107.18,
          "displayName": "Visa ****4242",
          "type": "CARD",
          "processDate": "2026-11-12T00:00:00.000Z",
          "pendingStatus": "SCHEDULED",
          "pendingType": "RECURRING"
        }
      ]
    }
  • 列出第一方与第三方理赔

    POST /v1/claims/list opendata

    以理赔行返回 firstPartyClaims 与 thirdPartyClaims(claimNumber、claimStatus、lossDate、lossState、lossTypeCode),对应理赔列表与详情。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。 请求另带 sessionKey。

    • sessionKey
    • firstPartyClaims
    • thirdPartyClaims
    • navigatorEligibleDetails
    • claimNumber
    • claimStatus
    • claimHandling
    • lossDate
    • lossState
    • lossTypeCode
    • policyNumber
    • interestedPartyRole
    • owner
    • viewable
    • closedDate
    POST /v1/claims/list HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      },
      "sessionKey": "sk-claims-19"
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-claims-44",
      "firstPartyClaims": [
        {
          "claimNumber": "07261842910",
          "claimStatus": "OPEN",
          "claimHandling": "ADJUSTER",
          "lossDate": "2026-09-04T16:40:00.000Z",
          "lossState": "MD",
          "lossTypeCode": "COLLISION",
          "policyNumber": "4001234567",
          "interestedPartyRole": "INSURED",
          "owner": true,
          "viewable": true,
          "closedDate": null
        }
      ],
      "thirdPartyClaims": [],
      "navigatorEligibleDetails": []
    }
  • 读取电子保险卡

    POST /v1/id-cards/retrieve opendata

    返回官方电子保卡图像(frontIdCard、backIdCard、barCode),以及 NAIC / 额定州份保单信息与保障标志,用作保险凭证。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • frontIdCard
    • backIdCard
    • barCode
    • frontIdCardTappableElements
    • backIdCardTappableElements
    • primaryInsuredName
    • coInsuredName
    • companyCode
    • naicCode
    • ratedState
    • policyType
    • eligibleToDisplayIdCard
    • hasBodilyInjuryLiabilityCoverage
    • hasCollisionCoverage
    • hasComprehensiveCoverage
    • hasPersonalInjuryProtectionCoverage
    • hasPropertyDamageLiabilityCoverage
    POST /v1/id-cards/retrieve HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      },
      "policyInformation": {
        "primaryInsuredName": "Alex Rivera",
        "coInsuredName": "Sam Rivera",
        "companyCode": "GEICO",
        "naicCode": "22063",
        "ratedState": "MD",
        "policyType": "AUTO",
        "insuranceLineCode": "PA",
        "effectiveDate": "2026-05-12T00:00:00.000Z",
        "expirationDate": "2026-11-12T00:00:00.000Z"
      },
      "vehicle": {
        "vin": "1HGCM82633A004352",
        "unitNumber": "1"
      }
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-idcard-55",
      "frontIdCard": "<base64-png>",
      "backIdCard": "<base64-png>",
      "barCode": "4001234567-1",
      "frontIdCardTappableElements": [
        {
          "label": "policyNumber"
        }
      ],
      "backIdCardTappableElements": [],
      "idCardDetail": {
        "eligibleToDisplayIdCard": true,
        "hasBodilyInjuryLiabilityCoverage": true,
        "hasCollisionCoverage": true,
        "hasComprehensiveCoverage": true,
        "hasPersonalInjuryProtectionCoverage": true,
        "hasPropertyDamageLiabilityCoverage": true
      }
    }
  • 列出保单与车辆保障

    POST /v1/policies/coverages/list openfinance

    返回保单级与按车辆的保障行——coverage、deductible、limit、premium 与 percentageOfPolicyPremium——对应保障变更界面。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • allowedCoverageActions
    • policyCoverages
    • vehicleCoverages
    • coverage
    • deductible
    • limit
    • premium
    • percentageOfPolicyPremium
    • vehicleUnitNumber
    • displayLevelCode
    • displayOrderNumber
    • action
    POST /v1/policies/coverages/list HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      }
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-cov-66",
      "allowedCoverageActions": [
        "EditCoverage"
      ],
      "policyCoverages": [
        {
          "coverage": {
            "code": "BI",
            "description": "Bodily injury liability"
          },
          "limit": {
            "code": "100/300",
            "description": "$100,000 / $300,000"
          },
          "deductible": {
            "code": "",
            "description": ""
          },
          "premium": "186.40",
          "percentageOfPolicyPremium": 14,
          "displayLevelCode": "POLICY",
          "displayOrderNumber": 1,
          "action": "",
          "vehicleUnitNumber": ""
        }
      ],
      "vehicleCoverages": [
        {
          "vehicleUnitNumber": "1",
          "coverages": [
            {
              "coverage": {
                "code": "COLL",
                "description": "Collision"
              },
              "deductible": {
                "code": "500",
                "description": "$500"
              },
              "limit": {
                "code": "",
                "description": ""
              },
              "premium": "312.00",
              "percentageOfPolicyPremium": 24,
              "vehicleUnitNumber": "1",
              "displayLevelCode": "VEHICLE",
              "displayOrderNumber": 4,
              "action": ""
            }
          ]
        }
      ]
    }
  • DriveEasy 车联网驾驶数据

    POST /v1/driving-score/summary opendata

    拉取已登录驾驶员的 DriveEasy 车联网数据:score / adjustedScore、scoreLevel、streakData 与行程行,对应驾驶评分界面。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • driverName
    • driverInfo
    • displayOtherDriverScores
    • scoreData
    • score
    • adjustedScore
    • scoreDelta
    • scoreLevel
    • scoreLevelColor
    • scoreLevelDescription
    • scoreRangeMax
    • scoreStatus
    • provider
    • streakData
    • trips
    • drivers
    • subscribeData
    POST /v1/driving-score/summary HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      }
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-tele-77",
      "driverName": "Alex Rivera",
      "displayOtherDriverScores": "Y",
      "scoreData": {
        "score": 87.0,
        "adjustedScore": 89.0,
        "scoreDelta": 2,
        "scoreLevel": "Great",
        "scoreLevelColor": "#00A651",
        "scoreLevelDescription": "Keep it up",
        "scoreRangeMax": 100,
        "scoreStatus": "SCORED",
        "provider": "CAMBRIDGE"
      },
      "streakData": {
        "currentStreakDays": 12
      },
      "trips": [
        {
          "tripId": "trip-2044",
          "startTime": "2026-10-18T13:02:00.000Z"
        }
      ],
      "drivers": []
    }
  • 准备支付网关令牌

    POST /v1/payments/prepare openbanking

    签发一次性 mobileGatewayToken,供缴费流程将卡片标记化并随后提交 amountToPay 的刷卡支付。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • mobileGatewayToken
    • amountToPay
    • serviceStatus
    • correlationId
    POST /v1/payments/prepare HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      },
      "amountToPay": 107.18
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-prep-88",
      "mobileGatewayToken": "mgt-9f3a41b0c7"
    }
  • 用卡立即缴纳保费

    POST /v1/payments/card/charge openbanking

    提交卡片保费支付,并返回 confirmationNumber 以及 accountNumber / amount / nameOnAccount。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。 卡号在调用前已被金库令牌替换。

    • confirmationNumber
    • confirmationMessages
    • accountNumber
    • amount
    • nameOnAccount
    • mobileGatewayToken
    • serviceStatus
    POST /v1/payments/card/charge HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      },
      "amount": 107.18,
      "mobileGatewayToken": "mgt-9f3a41b0c7",
      "cardToken": "tok_4242"
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-paynow-99",
      "confirmationNumber": "CNF-552190",
      "confirmationMessages": [
        {
          "text": "Payment accepted"
        }
      ],
      "accountNumber": "****4242",
      "amount": 107.18,
      "nameOnAccount": "ALEX RIVERA"
    }
  • 电子道路救援调度

    POST /v1/roadside/requests opendata

    发起道路救援(Emergency Road Service)工单,返回 dispatchNumber、claimNumber、canBeCancelled 与 coverageConditionCodes。

    认证方式: 登录时签发的会话凭证(保单号、用户 ID、签名摘要与盐值、会话 Cookie),与客户端、应用版本信封一起放在请求体中。SUCCESS 状态表示调用成功;SESSION_EXPIRED 表示需重新登录。

    • claimNumber
    • dispatchNumber
    • canBeCancelled
    • duplicate
    • coverageConditionCodes
    POST /v1/roadside/requests HTTP/1.1
    Content-Type: application/json
    
    {
      "client": "android",
      "origin": "native",
      "appVersion": "5.111.0",
      "sessionId": "sess-8f2d6a41",
      "credentials": {
        "policyNumber": "4001234567",
        "userId": "[email protected]",
        "digest": "<digest>",
        "salt": "<salt>",
        "sessionCookie": "<session-cookie>",
        "issued": 1760860800000,
        "version": "1"
      },
      "vehicleInfo": {
        "vin": "1HGCM82633A004352",
        "unitNumber": "1"
      },
      "contactInfo": {
        "phoneNumber": "2025550148"
      }
    }
    {
      "serviceStatus": "SUCCESS",
      "correlationId": "c0r-ers-10",
      "claimNumber": "07261843002",
      "dispatchNumber": "ERS-441902",
      "canBeCancelled": true,
      "duplicate": false,
      "coverageConditionCodes": [
        "ERS_INCLUDED"
      ]
    }
  • 卡片密文标记化

    POST /v1/vault/tokenize-card openbanking

    将 RSA 加密的卡片密文换成支付令牌及卡片信息(cardType、last4、first6、expiry),供刷卡支付调用使用。配套的密钥交换调用返回 serverKeyId 与 serverPublicKey。

    认证方式: 卡号在设备端用金库密钥交换调用返回的公钥(serverKeyId、serverPublicKey)加密。请求体携带 cipherPayload、type 与 callerApp。线路上不出现明文卡号。

    • cipherPayload
    • type
    • callerApp
    • token
    • cardInfo
    • cardType
    • last4
    • first6
    • expiryMonth
    • expiryYear
    • isDebit
    • serverKeyId
    • serverPublicKey
    POST /v1/vault/tokenize-card HTTP/1.1
    Content-Type: application/json
    
    {
      "cipherPayload": "<rsa-oaep-cipher>",
      "type": "CARD",
      "callerApp": "android"
    }
    {
      "token": "tok_4242",
      "type": "CARD",
      "cardInfo": {
        "cardType": "VISA",
        "last4": "4242",
        "first6": "424242",
        "expiryMonth": "12",
        "expiryYear": "2028",
        "isDebit": false
      }
    }

数据类别

  • 车险保单
  • 账单余额
  • 缴费记录
  • 电子保卡
  • 理赔
  • 保障明细
  • 驾驶评分
  • 道路救援

数据使用场景与案例

  • 保单账单对账

    财务与代理工具把每张保单的 number 与 outstandingBalance、currentDueAmount、currentDueDate 对齐,自动扣款与不足额缴费规则无需再登录门户。

  • 理赔供应商分流

    维修、租车与医疗供应商按 firstPartyClaims / thirdPartyClaims 上的 claimNumber、lossDate、lossState、claimStatus 把工单挂到正确的 GEICO 案件。

  • 电子保卡核验

    租车柜台与企业车队核验直接展示 frontIdCard / barCode 以及 hasBodilyInjuryLiabilityCoverage、hasCollisionCoverage 等保障标志,不必再拍纸质保卡。

  • DriveEasy 驾驶辅导

    安全项目读取 score、adjustedScore、scoreLevel 与行程行,辅导急刹与手持手机,无需再装第二套车载设备。

常见问题

GEICO Mobile 暴露哪些数据?

已登录家庭的车险记录:保单字段(number、ratedState、totalPremium、vehicles)、账单(outstandingBalance、currentDueAmount、payPlanCode)、缴费历史(pastPayments)、电子保卡(frontIdCard、barCode)、理赔(claimNumber、lossDate)、保障(deductible、limit、premium)、DriveEasy 的 score / adjustedScore,以及道路救援 dispatchNumber。

应用如何鉴权请求?

登录调用返回 encryptedSessionToken、refreshToken 以及按保单的凭证(保单号、用户 ID、digest、salt、会话 Cookie)。后续调用把这些凭证放在请求体中,并附带 android 客户端标记与应用版本。SUCCESS 状态表示调用成功,SESSION_EXPIRED 表示需重新登录。

电子保卡从哪里来?

保卡调用返回 frontIdCard、backIdCard 与 barCode,以及 hasBodilyInjuryLiabilityCoverage、hasCollisionCoverage 等保障标志,并带 NAIC / ratedState 保单信息(policyType AUTO)。

应用是否暴露驾驶行为数据?

对已参加 DriveEasy 的驾驶员会。驾驶评分调用返回 score、adjustedScore、scoreLevel、streakData 与 trips,评分详情对象上还有急刹、分心等子分。

与 GEICO Mobile - Car Insurance 相似的应用

  • Progressive — Progressive 是俄亥俄州梅菲尔德 Progressive Casualty Insurance Company 的官方 Android 应用,投保人可查看保卡与保障、带照片报案、缴费、查看 Snapshot 驾驶评分并呼叫道路救援。
  • State Farm — State Farm Insurance(伊利诺伊州布卢明顿的互助车险与财产险公司)官方应用可管理保单、查看保卡、提交并跟踪理赔、呼叫道路救援,并使用 Drive Safe & Save 安全驾驶优惠。
  • Allstate — Allstate(The Allstate Corporation)官方应用提供电子保卡(可加入 Apple Wallet)、账单缴费、保单与理赔管理、Drivewise 安全驾驶奖励以及全天候道路救援。
  • USAA — USAA Mobile App 由圣安东尼奥的 United Services Automobile Association 推出,面向军人、退伍军人及其家属,符合资格的成员可领取车险保卡、呼叫道路救援、报案,并同时管理银行与投资账户。
  • The Hartford — The Hartford Insurance Group 的官方应用可缴费、查看保障摘要与电子车险保卡(含 Google Wallet)、发起并跟踪理赔,以及下载保单文件。
  • Liberty Mutual — Liberty Mutual 是总部位于波士顿的财产与意外保险公司,其美国零售市场部门通过销售人员、呼叫中心、第三方中介和官网销售个人车险。
  • Farmers Insurance — Farmers Insurance Group 是总部在加州伍德兰希尔斯的保险公司,通过专属与独立代理销售车险、房屋险和小型商业保险,非标准车险由子公司 Bristol West 承保。
  • Travelers — Travelers 是总部位于纽约的保险公司,其个人保险部门通过独立代理向个人销售车险和房屋险。

相关主题

  • GEICO Mobile API
  • GEICO 保单数据
  • 电子保险卡 API
  • GEICO 理赔 API
  • outstandingBalance 账单
  • DriveEasy 驾驶评分
  • 车险开放数据
  • 道路救援调度

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