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    Method and system for curating a virtual model for feature identification
    124.
    发明授权
    Method and system for curating a virtual model for feature identification 有权

    公开(公告)号：US11024099B1

    公开(公告)日：2021-06-01

    申请号：US16163099

    申请日：2018-10-17

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Rebecca A. Little ,  Bryan R. Nussbaum ,  Deanna L. Stockweather ,  Nathan C. Summers ,  An Ho ,  Vicki King

    IPC: G06T19/20 ,  G06T17/05 ,  G06K9/62 ,  G06Q50/16

    Abstract: Computer-implemented methods and systems for curating virtual models and populating overlays within a virtual environment are described herein. A server may receive a data request from a user electronic device. The data request may comprise a property of interest located at a particular portion of an overall region. The server may then dynamically acquire a virtual model for rendering the property within a virtual environment at the user electronic device based on the data request. The server may then curate the virtual model in accordance with rules that emphasize features associated with the property that are relevant to assessing risks associated with the property when assessing the property. The server may then identify the curated property modeled by the virtual model, obtain annotation records associated with the features of the property, and populate an annotations overlay rendered in the virtual environment with information included in the annotation records.

    Fault determination of blockchain subrogation claims
    125.
    发明授权
    Fault determination of blockchain subrogation claims 有权

    公开(公告)号：US10949926B1

    公开(公告)日：2021-03-16

    申请号：US15955213

    申请日：2018-04-17

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    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

    IPC: G06Q40/08 ,  G06Q20/06

    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 subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, 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.

    Systems and methods for sensor recalibration via blockchain
    126.
    发明授权
    Systems and methods for sensor recalibration via blockchain 有权

    公开(公告)号：US10930089B1

    公开(公告)日：2021-02-23

    申请号：US15899829

    申请日：2018-02-20

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    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: G06Q40/08 ,  G07C5/00 ,  H04L9/32 ,  G07C5/08

    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), or other vehicle identifier. For example, the VIN lifecycle process may be used to detect a need to recalibrate one or more sensors. A baseline frequency may be determined at which a safety feature is expected to be triggered based upon data accessed at a blockchain. The baseline frequency maybe compared to a current frequency to identify a need that one or more sensors should be recalibrated. 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.

    Smart contracts for vehicle events
    129.
    发明授权
    Smart contracts for vehicle events 有权

    公开(公告)号：US10740849B1

    公开(公告)日：2020-08-11

    申请号：US15910300

    申请日：2018-03-02

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： William J. Leise ,  Jacob J. Alt ,  Jaime Skaggs ,  Eric Bellas ,  Shawn M. Call ,  Eric R. Moore ,  Melinda Teresa Magerkurth ,  Vicki King

    IPC: G06Q40/08 ,  G06Q10/00 ,  G06Q40/00

    Abstract: Systems and methods are disclosed for interacting with smart contracts stored on a blockchain to control vehicle related activity. The systems and methods may include (1) receiving one or more transactions from one or more computing devices, the transactions associated with a particular vehicle and include a VIN for the vehicle and indicative of at least one of a trigger condition associated with the vehicle; (2) compiling the one or more transactions into a block of transactions; (3) distributing the block to a plurality of validation entities to form a consensus on an update to the distributed ledger; (4) routing the one or more transactions within the block to respective smart contracts associated with the VIN; and/or (5) automatically executing an action the particular smart contract directs should be performed in response to the particular trigger condition.

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