Progressive 图标

Progressive 保单、账单与 Snapshot 数据

Progressive Casualty Insurance Company · 银行

Progressive 是 Progressive Casualty Insurance Company 的官方 Android 自助应用,这家个人险种保险公司总部位于俄亥俄州梅菲尔德村。保单持有人登录后,首页体验覆盖:可打印并存入 Google Wallet 的电子保险卡、保单详情与批单、支持已存卡片、ACH、PayPal 和 Google Pay 的账单缴费、理赔报案(first notice of loss)与进度查询、带行程评分的 Snapshot 按使用量计费车险、忠诚 Plus 权益、道路救援、Name Your Price 报价、查找代理以及 Ask Flo 聊天助手。同一登录账户可同时管理车险、摩托车险、船舶险、房车险、房屋险或租客险以及小型商业险种。该应用面向美国发布,服务于希望在手机上办理保卡、缴费、Snapshot 与理赔的 Progressive 客户,而不是打开 progressive.com 或致电坐席;它与 GEICO、State Farm、Allstate 和 USAA 的官方应用争夺同一批美国个人车险用户。

具名被保险人家庭把 ecid 固定到一串 policyNumber 上,insuredFirstName、insuredLastName、policyEffectiveDate、policyExpirationDate、totalPolicyPremium 和 riskType 描述每一张车险或财产险保单。账单行暴露 paymentDueAmount、paymentDueDate、lastPaymentAmount 和 paySchedule;缴费台账按 totalCount 分页 billingHistoryItems。

保险凭证就是电子保卡:iDCardArray 各条目携带 documents、effectiveDate、expirationDate 和 isValidForPrintIdCard。首次报案的理赔落成 claimNumber、claimStatus、dateOfLoss 和 isClaimOpen。Snapshot 设备返回 participantId、currentDiscount、projectedDiscount 和 gradeLevel,再用 tripCount 和 ratedDistractedDriving 分页行程。忠诚 Plus 状态是 currentLevel 加上 isLoyaltyPlus。

保单管理、理赔与车队工具都需要这份 Progressive 家庭档案。账单系统把 policyNumber 关联到 paymentDueAmount 和 paymentDueDate,自动扣款与不足额缴费规则无需门户即可触发;维修店把 claimNumber 对上 dateOfLoss;租车柜台直接渲染 documents,不用再翻手套箱里的纸质卡;安全项目依据 Snapshot 的 gradeLevel 做辅导。openData Studio 把这些字段变成可调用的开放数据。

应用截图

  • Progressive 应用截图 1
  • Progressive 应用截图 2
  • Progressive 应用截图 3
  • Progressive 应用截图 4

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。

  • 用户名/密码登录校验

    POST /v1/sessions/{flowId}/credentials osint

    校验 Android 客户端发起的登录流程中的保单持有人 userId 与密码,返回流程状态以及 Progressive 会话的授权码或访问令牌。

    认证方式: 无需鉴权的登录流程。flowId 来自授权发起(PKCE S256)。请求体为用户名与密码。成功时返回 authorizeResponse.accessToken,或进入继续/多因素认证(MFA)步骤。

    • username
    • password
    • id
    • status
    • code
    • message
    • experience
    • pgrTrackingId
    • accountUpdated
    • authorizeResponse
    • accessToken
    POST /v1/sessions/fl-8c21a9/credentials HTTP/1.1
    Content-Type: application/json
    
    {
      "username": "alex.rivera",
      "password": "<secret>"
    }
    {
      "id": "fl-8c21a9",
      "status": "COMPLETED",
      "code": "OK",
      "message": "Success",
      "experience": "LOGIN",
      "pgrTrackingId": "pgr-trk-44102",
      "accountUpdated": false,
      "authorizeResponse": {
        "code": "spl_4f91c2",
        "accessToken": "<ping-access>"
      }
    }
  • 授权码兑换令牌

    POST /v1/policyholder-auth/token osint

    用授权码(或 refresh_token)换得 accessToken 与 refreshToken,后续保单服务、账单与理赔调用以此为 Bearer 凭证。

    认证方式: 令牌端点。grant_type=authorization_code 并携带 PKCE code_verifier,或 grant_type=refresh_token。客户端凭证以 Basic 方式发送。返回后续调用用作 Bearer 的 accessToken 与 refreshToken。

    • grant_type
    • code
    • code_verifier
    • refresh_token
    • accessToken
    • refreshToken
    POST /v1/policyholder-auth/token HTTP/1.1
    Content-Type: application/x-www-form-urlencoded
    Authorization: Basic <client>
    
    grant_type=authorization_code&code=spl_4f91c2&code_verifier=<pkce-verifier>&redirect_uri=<app-callback>
    {
      "accessToken": "<access>",
      "refreshToken": "<refresh>"
    }
  • 客户家庭摘要

    GET /v1/households/me openfinance

    加载已登录家庭:Progressive ECID、记名被保险人姓名、忠诚 Plus 标记,以及首页仪表盘分页所依赖的有效保单号列表。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。

    • customerSummary
    • ecid
    • firstName
    • lastName
    • olsLoginKey
    • customerSinceDate
    • isCustomerLoyaltyPlus
    • customerLoyalty
    • hhid
    • emailList
    • policies
    • policyNumber
    • policySuffix
    • riskType
    • policyStatus
    • billingInfo
    • paymentDueAmount
    • paymentDueDate
    • unverifiedRiskTypes
    GET /v1/households/me HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "customerSummary": {
        "ecid": "ECID-10028441",
        "firstName": "Alex",
        "lastName": "Rivera",
        "middleName": "J",
        "olsLoginKey": "ols-alex.rivera",
        "customerSinceDate": "2014-03-12",
        "isCustomerLoyaltyPlus": true,
        "customerLoyalty": "Plus",
        "hhid": "HH-44102",
        "emailList": [],
        "policies": [
          {
            "policyNumber": "941234567",
            "policySuffix": "01",
            "riskType": "AUTO",
            "riskTypeCode": "A",
            "policyStatus": "INFORCE",
            "stateAbbreviation": "OH",
            "isLoyaltyPlus": true,
            "loyaltyLevelName": "Plus",
            "billingInfo": {
              "billingStatus": "DUE",
              "paymentDueAmount": 144.02,
              "paymentDueDate": "2026-11-12",
              "lastPaymentAmount": 144.02,
              "lastPaymentDate": "2026-10-12",
              "paymentMethod": "CARD"
            }
          }
        ],
        "unverifiedRiskTypes": [],
        "nonPNIPolicies": []
      }
    }
  • 查询保单详情

    GET /v1/policy-records/{policyNumber} openfinance

    读取一张有效的 Progressive 保单:记名被保险人、车库地址、保险期间、保费、NAIC 公司、车辆与保障,供保单详情及保卡界面渲染。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。policyNumber 取自家庭摘要调用中的家庭保单。

    • policyDetails
    • policyNumber
    • policySuffix
    • policyEffectiveDate
    • policyExpirationDate
    • insuredFirstName
    • insuredLastName
    • namedInsured
    • street
    • city
    • state
    • zip
    • riskType
    • riskTypeCode
    • totalPolicyPremium
    • naicCode
    • isValidForPrintIdCard
    • vehicles
    • policyCoverages
    GET /v1/policy-records/941234567 HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "policyDetails": {
        "policyNumber": "941234567",
        "policySuffix": "01",
        "policyRenewalCounter": "4",
        "policyEffectiveDate": "2026-05-12",
        "policyExpirationDate": "2026-11-12",
        "insuredFirstName": "Alex",
        "insuredLastName": "Rivera",
        "namedInsured": {
          "firstName": "Alex",
          "lastName": "Rivera",
          "middleInitial": "J"
        },
        "street": "1840 Euclid Ave",
        "city": "Cleveland",
        "state": "OH",
        "zip": "44115",
        "emailAddress": "[email protected]",
        "riskType": "AUTO",
        "riskTypeCode": "A",
        "totalPolicyPremium": 864.12,
        "naicCode": "24260",
        "brandIndicator": "PGR",
        "isValidForPrintIdCard": true,
        "vehicles": [
          {
            "year": 2022,
            "make": "Honda",
            "model": "CR-V",
            "vin": "1HGCM82633A004352",
            "vehicleGaragingState": "OH",
            "vehicleGaragingZip": "44115"
          }
        ],
        "otherDrivers": [],
        "policyCoverages": []
      }
    }
  • 账户级账单快照

    GET /v1/billing/accounts/summary openbanking

    返回登录账户逐保单的账单行——应缴金额、到期日、上次缴费、已存方式后四位与分期计划,供缴费入口使用。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。

    • policyNumber
    • riskCode
    • riskDescription
    • paymentType
    • paymentAmount
    • paymentDueDate
    • lastPaymentAmount
    • lastPaymentDate
    • paymentMethod
    • paymentAccountNumberLastFour
    • paySchedule
    • feeAmount
    • isPaymentActionEnabled
    GET /v1/billing/accounts/summary HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    [
      {
        "policyNumber": "941234567",
        "riskCode": "A",
        "riskDescription": "Auto",
        "paymentType": "INSTALLMENT",
        "paymentMessage": "Payment due",
        "paymentAmount": 144.02,
        "paymentDueDate": "2026-11-12",
        "lastPaymentAmount": 144.02,
        "lastPaymentDate": "2026-10-12",
        "paymentMethod": "CARD",
        "paymentAccountNumberLastFour": "4242",
        "paySchedule": "MONTHLY",
        "feeAmount": 5.00,
        "feeDescription": "Installment fee",
        "isPaymentActionEnabled": true,
        "renewalPaymentDueDate": "2026-11-12"
      }
    ]
  • 保单缴费历史

    GET /v1/policy-records/{policyNumber}/ledger openbanking

    按页读取单张保单的已入账缴费台账,让缴费历史界面直接展示金额、日期与摘要,无需抓取网站。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。以页码与每页条数查询参数分页。

    • billingHistory
    • billingHistoryItems
    • amount
    • date
    • description
    • totalCount
    • totalPages
    • next
    • previous
    GET /v1/policy-records/941234567/ledger?page=1&pageSize=20 HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "billingHistory": {
        "billingHistoryItems": [
          {
            "amount": 144.02,
            "date": "2026-10-12",
            "description": "Installment payment"
          }
        ],
        "totalCount": 18,
        "totalPages": 1,
        "next": "",
        "previous": ""
      }
    }
  • 缴费详情与可用方式

    GET /v1/policy-records/{policyNumber}/payment-options openbanking

    描述保单当前能否缴费,以及“发起缴费”界面应提供哪些支付通道(卡、ACH、PayPal、Google Pay、未来定时)和已存卡片。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。

    • paymentDetails
    • insuredName
    • policySuffix
    • lastPaymentAmount
    • lastPaymentDate
    • isPaidInFull
    • isValidForPayment
    • isEligibleForACH
    • isEligibleForCardPayment
    • isEligibleForPayPalPayment
    • isEligibleForGooglePayPayment
    • eligiblePaymentMethods
    • supportedNetworks
    GET /v1/policy-records/941234567/payment-options HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "paymentDetails": {
        "insuredName": "Alex Rivera",
        "policySuffix": "01",
        "agentCode": "0",
        "lastPaymentAmount": 144.02,
        "lastPaymentDate": "2026-10-12",
        "isPaidInFull": false,
        "isValidForPayment": true,
        "isEligibleForACH": true,
        "isEligibleForCardPayment": true,
        "isEligibleForPayPalPayment": true,
        "isEligibleForGooglePayPayment": true,
        "isEligibleForFutureScheduledPayment": true,
        "isEligibleToSaveCard": true,
        "eligiblePaymentMethods": ["CARD", "ACH", "PAYPAL", "GOOGLEPAY"],
        "supportedNetworks": ["VISA", "MASTERCARD", "AMEX"]
      }
    }
  • 缴纳保单保费

    POST /v1/policy-records/{policyNumber}/remittances openbanking

    提交一次性或定时保费缴费,返回回执界面展示的 confirmationNumber、paymentDate 与审批状态。

    认证方式: 携带 Authorization: Bearer {accessToken}。可选用伴随令牌调用签发的短时效缴费令牌。请求体携带支付处理器的 paymentMethodNonce(卡/钱包)或 ACH 银行信息。

    • paymentAmount
    • paymentMethod
    • paymentMethodNonce
    • savePaymentInformation
    • scheduledPaymentDate
    • transactionUniqueID
    • agentCode
    • authorization
    • confirmationNumber
    • paymentDate
    • status
    • delayedTransaction
    POST /v1/policy-records/941234567/remittances HTTP/1.1
    Authorization: Bearer <access>
    Content-Type: application/json
    
    {
      "paymentAmount": 144.02,
      "paymentMethod": "CARD",
      "paymentMethodNonce": "<processor-nonce>",
      "savePaymentInformation": true,
      "scheduledPaymentDate": null,
      "transactionUniqueID": "txn-7b21c4",
      "agentCode": "0"
    }
    {
      "authorization": {
        "confirmationNumber": "PMT-8841203",
        "paymentDate": "10/20/2026",
        "status": "APPROVED",
        "delayedTransaction": false
      }
    }
  • 电子保险卡

    POST /v1/wallet/id-cards opendata

    为请求的保单生成可打印或可供钱包使用的电子保险卡——documents 与保险期间日期,供保卡界面和 Google Wallet 凭证消费。

    认证方式: 携带 Authorization: Bearer {accessToken}。请求体列出钱包应渲染的家庭保单。

    • mimeType
    • policies
    • policyNumber
    • policySuffix
    • iDCardArray
    • riskType
    • effectiveDate
    • expirationDate
    • isValidForPrintIdCard
    • renewalCounter
    • brandIndicator
    • documents
    • timestamp
    POST /v1/wallet/id-cards HTTP/1.1
    Authorization: Bearer <access>
    Content-Type: application/json
    
    {
      "mimeType": "application/pdf",
      "policies": [
        {
          "policyNumber": "941234567",
          "cards": []
        }
      ]
    }
    {
      "iDCardArray": [
        {
          "policyNumber": "941234567",
          "policySuffix": "01",
          "riskType": "AUTO",
          "riskTypeCode": "A",
          "effectiveDate": "2026-05-12",
          "expirationDate": "2026-11-12",
          "isValidForPrintIdCard": true,
          "renewalCounter": "4",
          "isRenewal": false,
          "brandIndicator": "PGR",
          "documents": ["<base64-pdf>"],
          "timestamp": "2026-10-20T15:04:00Z",
          "policyTerm": "2026-05-12/2026-11-12"
        }
      ]
    }
  • 保单理赔列表

    GET /v1/claim-records openfinance

    为理赔中心枢纽列出 Progressive 保单上的理赔:理赔号、状态、出险日期与涉事车辆。

    认证方式: 除 Authorization: Bearer {accessToken} 外,还需伴随理赔令牌调用签发的短时效理赔访问令牌。保单号作为查询参数传递。

    • claimNumber
    • claimCentury
    • claimYear
    • claimStatus
    • dateOfLoss
    • policyNumber
    • pniPartyId
    • vehicleYear
    • vehicleMake
    • vehicleModel
    GET /v1/claim-records?policyNumber=941234567 HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    [
      {
        "claimNumber": "26-123456",
        "claimCentury": "20",
        "claimYear": "26",
        "claimStatus": "OPEN",
        "dateOfLoss": "2026-09-18",
        "policyNumber": "941234567",
        "pniPartyId": 441,
        "vehicleYear": "2022",
        "vehicleMake": "Honda",
        "vehicleModel": "CR-V"
      }
    ]
  • 理赔详情与状态

    GET /v1/claim-records/{claimNumber}/summary openfinance

    加载一条在线理赔记录:是否开放、出险时间戳、涉事车辆与当事人、出险时保障,以及租车、内容提交与付款摘要的功能开关。

    认证方式: 携带 Authorization: Bearer {accessToken} 及短时效理赔访问令牌。

    • claimCentury
    • claimYear
    • claimNumber
    • isClaimOpen
    • showRental
    • showContentSubmission
    • showPaymentSummary
    • lossEventDateTime
    • vehicles
    • parties
    • coverageAtTimeOfLoss
    • features
    GET /v1/claim-records/26-123456/summary HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "claimCentury": "20",
      "claimYear": "26",
      "claimNumber": "26-123456",
      "isClaimOpen": true,
      "showRental": true,
      "showContentSubmission": true,
      "showPaymentSummary": true,
      "lossEventDateTime": "2026-09-18T14:32:00Z",
      "vehicles": [],
      "parties": [],
      "coverageAtTimeOfLoss": {},
      "features": [],
      "fixedProperties": []
    }
  • 提交首次出险通知(FNOL)

    POST /v1/loss-reports openfinance

    通过 Android 首次出险向导提交报案,返回分配的 claimNumber 以及照片定损、引导拍照与租车资格标记。

    认证方式: 携带 Authorization: Bearer {accessToken}。未登录报案时,应用先通过伴随会话调用开启匿名会话。

    • policyNumber
    • policyState
    • riskType
    • accidentDate
    • accidentTime
    • accidentState
    • accidentLocation
    • incidentType
    • fnolOrigin
    • clientName
    • centuryClaimNumber
    • claimNumber
    • photoEstimateEligibilityIndicator
    • rentalCarEligibilityIndicator
    • fnolGuidedPhotoEligibilityIndicator
    • callbackExpectation
    POST /v1/loss-reports HTTP/1.1
    Authorization: Bearer <access>
    Content-Type: application/json
    
    {
      "policyNumber": "941234567",
      "policyState": "OH",
      "riskType": "AUTO",
      "accidentDate": "2026-10-20",
      "accidentTime": "14:10",
      "accidentState": "OH",
      "accidentLocation": "I-90 eastbound, Cleveland",
      "incidentType": "COLLISION",
      "accidentType": "REAR_END",
      "fnolOrigin": "MOBILE_ANDROID",
      "clientName": "android-app",
      "uniqueDeviceId": "device-88c2",
      "reportedBy": "NAMED_INSURED",
      "glassOnly": false,
      "carParked": false
    }
    {
      "centuryClaimNumber": "20123456",
      "claimNumber": "123456",
      "callbackExpectation": "Within 24 hours",
      "photoEstimateEligibilityIndicator": true,
      "rentalCarEligibilityIndicator": true,
      "fnolGuidedPhotoEligibilityIndicator": true,
      "fnolGuidedPhotoInvitationAutoGenerateIndicator": true,
      "advanceClaimExpectation": "Photo estimate offered"
    }
  • Snapshot UBI 设备

    GET /v1/policy-records/{policyNumber}/telematics-devices opendata

    列出保单上已登记 Snapshot 的设备,含当前/预计/续期折扣百分比、等级与 participantId(用于拉取行程历史)。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。

    • devices
    • UBIDevices
    • participantId
    • policyNumber
    • currentDiscount
    • projectedDiscount
    • renewalDiscount
    • percentage
    • amount
    • level
    • gradeLevel
    • deviceStatus
    • deviceLabel
    • ubiNickname
    • ubiDeviceType
    • policyUbiStatus
    • policyGrade
    GET /v1/policy-records/941234567/telematics-devices HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "devices": {
        "UBIDevices": [
          {
            "participantId": "ptc-22018",
            "policyNumber": "941234567",
            "currentDiscount": {
              "percentage": 12.4,
              "amount": 107.15,
              "level": "B"
            },
            "projectedDiscount": {
              "percentage": 14.1,
              "amount": 121.84,
              "level": "B"
            },
            "renewalDiscount": {
              "percentage": 15.0,
              "amount": 129.62,
              "level": "B"
            },
            "gradeLevel": "B",
            "deviceStatus": "ACTIVE",
            "deviceLabel": "Alex phone",
            "ubiNickname": "Alex",
            "ubiDeviceType": "PHONE",
            "ubiVersion": "3",
            "policyUbiStatus": "ENROLLED",
            "policyGrade": "B"
          }
        ]
      }
    }
  • Snapshot 行程报告

    GET /v1/policy-records/{policyNumber}/telematics-devices/{participantID}/trips opendata

    按页读取某位已登记参与者的 Snapshot 行程——tripCount、分页链接与行程列表及辅导界面展示的 ratedDistractedDriving 标记。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。participantID 为 Snapshot 设备的 participantId。以页码与每页条数查询参数分页行程报告。

    • trips
    • startDateTime
    • endDateTime
    • distanceInMiles
    • hardBrakes
    • totalHardAccelerations
    • highRiskSeconds
    • totalDistractedDrivingCount
    • tripCount
    • totalPages
    • next
    • previous
    • self
    • ratedDistractedDriving
    GET /v1/policy-records/941234567/telematics-devices/ptc-22018/trips?page=1&pageSize=25 HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "trips": [
        {
          "startDateTime": "2026-10-19T12:04:00Z",
          "endDateTime": "2026-10-19T12:41:00Z",
          "distanceInMiles": 18.4,
          "hardBrakes": 1,
          "totalHardAccelerations": 0,
          "highRiskSeconds": 12,
          "totalDistractedDrivingCount": 0,
          "phoneInHandUsageSeconds": 0,
          "phoneHandsFreeUsageSeconds": 0
        }
      ],
      "tripCount": 42,
      "totalPages": 2,
      "next": "page=2",
      "previous": null,
      "self": "page=1",
      "ratedDistractedDriving": true
    }
  • 保单忠诚度权益

    GET /v1/policy-records/{policyNumber}/loyalty opendata

    返回保单的忠诚 Plus 等级、可用等级与权益名称,供权益轮播渲染。

    认证方式: 携带登录兑换返回的 Authorization: Bearer {accessToken}。

    • currentLevel
    • isLoyaltyPlus
    • legalDisclaimer
    • eligibleLevels
    • loyaltyBenefits
    GET /v1/policy-records/941234567/loyalty HTTP/1.1
    Authorization: Bearer <access>
    Accept: application/json
    {
      "currentLevel": "Plus",
      "isLoyaltyPlus": true,
      "legalDisclaimer": "Benefits subject to policy terms.",
      "eligibleLevels": [
        {"name": "Plus", "description": "Loyalty Plus"}
      ],
      "loyaltyBenefits": [
        {"name": "Accident Forgiveness", "description": "Accident forgiveness", "qualifiedLevels": ["Plus"]},
        {"name": "Deductible Savings", "description": "Deductible savings bank", "qualifiedLevels": ["Plus"]}
      ]
    }

数据类别

  • 车险保单
  • 账单余额
  • 缴费记录
  • 电子保卡
  • 理赔
  • Snapshot 驾驶行为数据
  • 忠诚度权益

数据使用场景与案例

  • 代理账单对账

    代理与财务工具把每张保单号与 paymentDueAmount、paymentDueDate、lastPaymentAmount 和 paySchedule 对齐,自动扣款与不足额缴费规则无需登录门户即可运行。

  • 理赔供应商分单

    维修、租车与照片定损供应商用 claimNumber、dateOfLoss、claimStatus 和 isClaimOpen 匹配,工单挂到正确的 Progressive 理赔上,photoEstimateEligibilityIndicator 为真时即可触发引导拍照邀请。

  • 电子保卡核验

    租车柜台与企业车队检查直接渲染电子保卡返回的 documents,并结合 policyNumber、effectiveDate、expirationDate 和 isValidForPrintIdCard 完成核验,无需再拍摄纸质保卡。

  • Snapshot 驾驶辅导数据

    安全项目读取已登记设备的 currentDiscount、projectedDiscount 和 gradeLevel,再用 tripCount 和 ratedDistractedDriving 分页行程,无需额外加装车联网硬件即可辅导急刹车与手机使用习惯。

常见问题

Progressive 应用暴露哪些保单与账单数据?

客户摘要返回 ecid、firstName、lastName 以及家庭保单号列表。每张保单详情记录补充 insuredFirstName、policyEffectiveDate、policyExpirationDate、totalPolicyPremium、riskType 和车辆。账户账单携带 paymentDueAmount、paymentDueDate、lastPaymentAmount、paySchedule 和 paymentMethod;缴费历史按 totalCount 分页 billingHistoryItems。

应用如何认证投保人身份?

登录是受 PKCE 保护的授权码流程:先发起授权,再校验用户名与密码,返回流程 id、状态与 authorizeResponse。随后用授权码换得 accessToken 与 refreshToken。之后的保单、账单与理赔调用都附带 Authorization Bearer 头,部分理赔与缴费调用还会加一个短时效的伴随令牌。

电子保险卡从哪里来?

电子保卡服务接收 mimeType 与 policies 数组(每项是保单号加 cards),返回带 effectiveDate、expirationDate、riskType 和 isValidForPrintIdCard 的 iDCardArray documents。同一组保单密钥也可以生成 Google Wallet 凭证。

应用是否暴露 Snapshot 驾驶数据?

会。保单设备列表返回 participantId、currentDiscount、projectedDiscount、gradeLevel、deviceStatus 和 ubiNickname。行程报告为已登记的 Snapshot 参与者按 tripCount、totalPages 和 ratedDistractedDriving 分页行程。

与 Progressive 相似的应用

  • GEICO Mobile - Car Insurance — GEICO 是伯克希尔·哈撒韦旗下、总部在马里兰州贝塞斯达的车险公司,其官方 Android 应用可供投保人查看保卡、缴费、报案并呼叫道路救援。
  • State Farm — State Farm Insurance 是总部位于伊利诺伊州布卢明顿的互助车险与财产险公司,官方应用可查看账户、保单与保卡,提交理赔、呼叫道路救援,并使用 Drive Safe & Save。
  • Allstate — Allstate(The Allstate Corporation)总部位于伊利诺伊州格伦维尤,其官方应用提供电子保卡、账单缴费、理赔管理、Drivewise 以及道路救援。
  • USAA — 总部位于圣安东尼奥的 United Services Automobile Association 只向军人、退伍军人及其家属提供保险与银行服务,官方应用可管理保险、银行与投资账户,并查看保卡、报案和呼叫道路救援。
  • The Hartford — The Hartford Insurance Group 总部位于康涅狄格州哈特福德,承保车险与房屋险(含面向 AARP 会员的产品),官方应用可查看保单与电子保卡、缴费并发起理赔。
  • Liberty Mutual — Liberty Mutual 是总部位于波士顿的财产与意外保险公司,产品包括个人车险、房屋险和租客险,官方 Android 应用支持缴费、理赔和道路救援。
  • Farmers Insurance — Farmers Insurance Group 通过专属与独立代理销售车险、房屋险和小型商业保险,其应用可缴费、查看保卡、报案并获取报价。
  • Nationwide — Nationwide 是总部位于俄亥俄州哥伦布的保险与金融服务集团,官方应用可出示车险与宠物险保卡,并管理缴费、理赔、账单与保单信息。

相关主题

  • Progressive 保险 API
  • Progressive 保单数据
  • 电子保险卡 API
  • Progressive 理赔 API
  • paymentDueAmount 账单
  • Snapshot 驾驶行为折扣
  • 车险开放数据
  • first notice of loss FNOL

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