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公开(公告)号：US20250005679A1
公开(公告)日：2025-01-02
申请号：US18882071
申请日：2024-09-11
Inventor： Shawn M. Call , Jaime Skaggs , Eric Bellas , Douglas A. Graff , William J. Leise , Vicki King , Jacob J. Alt , Eric R. Moore , Stacie A. McCullough
Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim, such as sending data to a smart contract deployed on the shared ledger. The parties to the claim may request arbitration, especially after attempts to settle the claim on-chain between the two parties have failed. An arbitrator may request evidence from the parties and/or request responses from the parties to accept damages calculations and/or settlement offers. Once the claim is resolved, the arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.
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公开(公告)号：US20240330928A1
公开(公告)日：2024-10-03
申请号：US18739706
申请日：2024-06-11
Inventor： Jacob J. Alt , Eric Bellas , Jaime Skaggs , Shawn M. Call , Melinda Teresa Magerkurth , Vicki King , Charles H. Roscow , Scott Shoop , Greg Hayes , Robert Alpine Jennings , Amber Nelson-Wolfe , Shyam Tummala
CPC classification number: G06Q20/401 , G06F21/105 , G06F21/645 , G06Q20/3827 , G06Q20/3829 , G06Q20/4014 , G06Q40/08 , H04L9/3236 , H04L9/3239 , H04L9/3247 , G06F21/6245 , G06Q2220/00 , G06Q2220/18 , H04L9/50 , H04L2209/56
Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract.
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公开(公告)号：US12106380B2
公开(公告)日：2024-10-01
申请号：US18206899
申请日：2023-06-07
Inventor： Shawn M. Call , Jaime Skaggs , Eric Bellas , Douglas A. Graff , William J. Leise , Vicki King , Jacob J. Alt , Eric R. Moore , Stacie A. McCullough
CPC classification number: G06Q40/08 , G06Q20/0655 , G06Q2220/00 , H04L9/50
Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim, such as sending data to a smart contract deployed on the shared ledger. The parties to the claim may request arbitration, especially after attempts to settle the claim on-chain between the two parties have failed. An arbitrator may request evidence from the parties and/or request responses from the parties to accept damages calculations and/or settlement offers. Once the claim is resolved, the arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.
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公开(公告)号：US12034833B2
公开(公告)日：2024-07-09
申请号：US17946524
申请日：2022-09-16
Inventor： William J. Leise , Douglas A. Graff , Stacie A. McCullough , Shawn M. Call , Eric Bellas , Jaime Skaggs , Jacob J. Alt , Eric R. Moore , Vicki King
IPC: H04L29/06 , G06F16/901 , G06F21/60 , G06Q10/10 , G06Q10/20 , G06Q30/018 , G06Q30/02 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/00 , G07C5/08 , H04L9/06 , H04L9/30 , H04L9/32 , G01C22/00 , H04L9/00
CPC classification number: H04L9/0637 , G06F16/9027 , G06F21/602 , G06Q10/10 , G06Q10/20 , G06Q30/018 , G06Q30/0278 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/006 , G07C5/008 , G07C5/0808 , G07C5/0816 , G07C5/085 , H04L9/30 , H04L9/3239 , G01C22/00 , G06Q2220/00 , H04L9/3236 , H04L9/3247 , H04L9/50 , H04L2209/84
Abstract: The present embodiments relate to systems and methods for using a blockchain to record information related to the lifecycle of a vehicle associated with a Vehicle Identification Number (VIN). For example, the VIN lifecycle process may be used to develop safety-feature based insurance models. The systems and methods may include calculating a safety rating for a safety feature based upon data accessed at a blockchain. The safety rating may be used to generate a product associated with a new vehicle type, such as an insurance product covering the new vehicle type. The systems and methods described herein may allow for using a blockchain which gives the option for private information, and permissioned participants in the blockchain. In particular, the systems and methods may allow for a distributed consensus amongst businesses, consumers, and authorities, as to the validity of information and transactions stored on the blockchain.
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公开(公告)号：US12033219B2
公开(公告)日：2024-07-09
申请号：US17990619
申请日：2022-11-18
Inventor： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
IPC: H04L9/40 , G06F16/182 , G06F16/29 , G06F16/903 , G06Q10/10 , G06Q40/08 , H04L9/06 , H04L9/32
CPC classification number: G06Q40/08 , G06F16/183 , G06F16/29 , G06F16/90335 , G06Q10/10 , H04L9/0637 , H04L9/3247 , H04L63/101
Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, in particular, utilizing evidence oracles as part of the subrogation process. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.
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Patent Agency Ranking
公开(公告)号：US12026780B1
公开(公告)日：2024-07-02
申请号：US15870271
申请日：2018-01-12
Inventor： Ronny S. Bryant , Stacie A. McCullough , Mitchell J. Hill , Jacob J. Alt , Jaime Skaggs , Shawn M. Call , Eric Bellas , Vicki King , Melinda Teresa Magerkurth
IPC: G06Q40/08 , G06F16/182 , G06Q50/163
CPC classification number: G06Q40/08 , G06F16/182 , G06Q50/163
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing loss histories for individuals and/or assets, such as real estate, homes, and vehicles, and/or for creating and maintaining loss history reports for individuals and/or insurable assets. The loss histories or loss history reports may be individual or insured specific, or may be insurable or insured asset specific.
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公开(公告)号：US20240141628A1
公开(公告)日：2024-05-02
申请号：US18200279
申请日：2023-05-22
Inventor： Brian Mark Fields , Shawn M. Call , Jaime Skaggs , Matthew S. Megyese
IPC: E03B7/07
Abstract: A computer-implemented method of monitoring water usage includes generating and receiving first water usage data indicating a first plurality of water usage events associated with a structure, each of the first plurality of water usage events being associated with a respective location and/or entity. The method may also include generating, based upon the first water usage data, a baseline water usage model representing water usage over time locations and/or entities, and generating second water usage data indicating a second plurality of water usage events associated with the structure, each of the second plurality of water usage events being associated with a respective location and/or entity. The method may also include detecting, based upon the second water usage data and the baseline water usage model, anomalous water usage associated with a particular location and/or entity, and causing an indication of the anomalous water usage to be presented to a user.
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公开(公告)号：US20240111881A1
公开(公告)日：2024-04-04
申请号：US18532258
申请日：2023-12-07
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC: G06F21/62 , G06F21/60 , G06Q20/10 , G06Q20/38 , G06Q20/40 , G06Q40/08 , H04L9/06 , H04L9/08 , H04L9/14 , H04L9/30 , H04L9/32 , H04L9/40 , H04L67/104
CPC classification number: G06F21/6209 , G06F21/602 , G06F21/604 , G06F21/6245 , G06Q20/10 , G06Q20/102 , G06Q20/3825 , G06Q20/3827 , G06Q20/3829 , G06Q20/401 , G06Q20/4014 , G06Q40/08 , H04L9/0637 , H04L9/0825 , H04L9/0861 , H04L9/0894 , H04L9/14 , H04L9/30 , H04L9/3236 , H04L9/3247 , H04L63/0428 , H04L63/10 , H04L67/104 , G06Q20/223 , G06Q2220/10
Abstract: Methods and systems for processing a blockchain comprising a plurality of immutable sales records corresponding to sales made by agents of an entity are provided. According to certain aspects, a transaction request indicating a sale made by an agent of the entity may be received at a first node. A block including a sales record indicating the sale made by the agent may be added to a blockchain and transmitted to another node for validation. The first node may add the block to a copy of the blockchain, where the block may be identified by a hash value that references a previous block in the blockchain that includes at least one additional sales record.
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公开(公告)号：US11914728B2
公开(公告)日：2024-02-27
申请号：US17973652
申请日：2022-10-26
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC: G06F21/62 , H04L9/08 , H04L29/08 , G06Q20/10 , H04L9/06 , H04L29/06 , H04L9/40 , H04L67/104 , G06F21/60 , H04L9/32 , G06Q20/38 , G06Q40/08 , H04L9/14 , H04L9/30 , G06Q20/40 , G06Q20/22 , G06Q10/10 , H04L9/00
CPC classification number: G06F21/6209 , G06F21/602 , G06F21/604 , G06F21/6245 , G06Q20/10 , G06Q20/102 , G06Q20/3825 , G06Q20/3827 , G06Q20/3829 , G06Q20/401 , G06Q20/4014 , G06Q40/08 , H04L9/0637 , H04L9/0825 , H04L9/0861 , H04L9/0894 , H04L9/14 , H04L9/30 , H04L9/3236 , H04L9/3247 , H04L63/0428 , H04L63/10 , H04L67/104 , G06Q10/10 , G06Q20/223 , G06Q2220/00 , G06Q2220/10 , H04L9/50 , H04L63/105 , H04L2209/56
Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.
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公开(公告)号：US20240037669A1
公开(公告)日：2024-02-01
申请号：US18379741
申请日：2023-10-13
Inventor： Daryoush Hakimi-Boushehri , Jackie O. Jordan, II , Shawn M. Call , John H. Weekes , Ronny S. Bryant , Jennifer Criswell Kellett , Todd Binion , Elisabeth McDermeit , John Donovan
IPC: G06Q40/08 , G06Q50/16 , G05B15/02 , G06Q10/10 , G16Y10/50 , E03B7/07 , H04L12/28 , G08B21/20 , G06Q30/02
CPC classification number: G06Q40/08 , G06Q50/16 , G05B15/02 , G06Q10/10 , G16Y10/50 , E03B7/071 , H04L12/2823 , H04L12/2827 , G06Q50/163 , G08B21/20 , G06Q30/0278 , G05B2219/163 , G16Y40/10
Abstract: Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.
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