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公开(公告)号：US11514176B1
公开(公告)日：2022-11-29
申请号：US16915931
申请日：2020-06-29
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
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：US20220270180A1
公开(公告)日：2022-08-25
申请号：US17740264
申请日：2022-05-09
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
Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle accident, in particular, determining fault as part of the subrogation process. An exemplary embodiment may include receiving an electronic notification of a vehicle collision; receiving sensor data (such as telematics, image, audio, vehicle operational, or other sensor data) related to the vehicle collision; determining a percentage of fault of the vehicle collision for one or more vehicles, vehicle systems, and/or drivers based upon, at least in part, analysis of the sensor data collected; and creating a blockchain for the vehicle collision with one or more links to the sensor image data and an indication of the percentage of fault(s) determined to facilitate blockchain-based claim handling.
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公开(公告)号：US20220269668A1
公开(公告)日：2022-08-25
申请号：US17683211
申请日：2022-02-28
Inventor： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
IPC: G06F16/23 , H04L9/06 , G06Q40/08 , G06F16/901 , G06F16/182 , G06F16/21 , G07C5/08 , G06Q10/00 , G06Q40/00 , G06F16/27 , G06Q30/04 , G06Q30/06 , G06Q40/02 , G07C5/00
Abstract: The present embodiments relate to systems and methods for using a blockchain to record information related to processes and services in the vehicle industry. For example, (1) receiving vehicle data from one or more remote computing devices; (2) detecting a change in a condition of the vehicle from analysis of the vehicle data, such as that the vehicle has been in a collision and is now a total loss; (3) identifying a VIN of the vehicle or retrieving the VIN from a memory unit when a change in a condition of the vehicle is detected; (4) generating a transaction (i) including the vehicle's VIN, and (ii) describing the detected change in the condition of the vehicle and/or the status of the total loss vehicle; and/or (5) transmitting the transaction to facilitate creating and/or maintaining a VIN-based distributed ledger for the particular vehicle and/or transferring ownership of the total loss vehicle.
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公开(公告)号：US20220138741A1
公开(公告)日：2022-05-05
申请号：US15877982
申请日：2018-01-23
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
Abstract: Systems and methods are disclosed for interacting with a blockchain and users of the blockchain to perform banking identity authentication services. For example, a method may include receiving a bank transaction from a participant; verifying the bank transaction; generating and communicating a confirmation that the bank transaction is valid to the participant; adding the bank transaction to a block of bank transactions; generating a cryptographic hash for the block of bank transactions; solving a cryptographic puzzle involving the hash of the block of bank transactions; adding the block to the blockchain; and/or transmitting the solution to the cryptographic puzzle, and the block of bank transactions to another participant. Otherwise, if the identity data is not valid, generating and communicating the confirmation that the bank transaction is not valid to the participant.
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公开(公告)号：US20210342946A1
公开(公告)日：2021-11-04
申请号：US15956541
申请日：2018-04-18
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
Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, and in particular, determining responsibility to pay for line items as part of the subrogation process. In one embodiment, the systems and methods may include (1) receiving a transaction from at least one other participant in the distributed ledger network; (2) analyzing the transaction to determine a set of line items related to a subrogation claim; (3) comparing the set of line items to a baseline dataset; (4) generating a transaction including a disputed line items dataset; and (5) transmitting the transaction to a smart contract stored on the distributed ledger.
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Patent Agency Ranking
公开(公告)号：US20210326992A1
公开(公告)日：2021-10-21
申请号：US15955802
申请日：2018-04-18
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
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 machine learning generated subrogation resolutions as part of the subrogation process. An exemplary computer-implemented method includes monitoring transactions on a distributed ledger, identifying a transaction related to a subrogation claim, analyzing the transaction related to the subrogation claim, generating a recommended subrogation resolution using a machine learning algorithm, and transmitting a transaction including the recommended subrogation resolution to a smart contract stored on the distributed ledger.
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公开(公告)号：US11042942B1
公开(公告)日：2021-06-22
申请号：US16351988
申请日：2019-03-13
Inventor： Daryoush Hakimi-Boushehri , Jackie O. Jordan, II , Shawn M. Call , John H. Weekes , Ronny S. Bryant , Jennifer Criswell , Todd Binion , Elisabeth McDermeit , John Donovan
IPC: G06Q40/08
Abstract: Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.
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公开(公告)号：US10943307B1
公开(公告)日：2021-03-09
申请号：US16915368
申请日：2020-06-29
Inventor： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
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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公开(公告)号：US20210042843A1
公开(公告)日：2021-02-11
申请号：US17077781
申请日：2020-10-22
Inventor： Ronny S. Bryant , Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
Abstract: Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.
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公开(公告)号：US20210042361A1
公开(公告)日：2021-02-11
申请号：US17077129
申请日：2020-10-22
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: G06F16/901 , G06Q40/08 , G07C5/08
Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to record information regarding a vehicle identified by a Vehicle Identification Number (VIN), or other vehicle identifier. The blockchain may be used to handle vehicles after vehicle collisions based upon sensor data regarding the collision and the vehicle stored on-chain. An indication that a vehicle has been involved in a collision is received including sensor data collected at substantially the time of the vehicle collision. A transaction is broadcast to the blockchain to reflect the sensor data of the vehicle. Since the chain is searchable by VIN, any future searches for the vehicle by VIN include the sensor data collected substantially at the time of the collision.
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