US Patent 10074219 Toll payment equipment

Methods, computer-readable media, software, and apparatuses provide a system for making toll payments using toll payment equipment. The system may include a mobile computing device, a toll gateway, and an insurance company computing device. The mobile computing device (e.g., a phone) may be configured to communicate with the toll gateway when a vehicle carrying the mobile computing device passes through the toll gateway. The mobile computing may send a signal to the insurance company computing device to cause the insurance company computing device to pay an appropriate toll or discounted toll (if applicable). The insurance company may maintain an account for a customer from which toll payments are made. In addition, the insurance company computing device may collect information about the vehicle as it passes through the toll gateway. The insurance company computing device may use this information to determine an insurance-related value, such as an insurance premium.