公开(公告)号：US11475527B1

公开(公告)日：2022-10-18

申请号：US16999260

申请日：2020-08-21

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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: G06Q40/08 ,  G06F16/27 ,  G06N20/00

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, utilizing historical data related to a vehicle or vehicle collisions as part of the subrogation process. An exemplary embodiment may include receiving historical sensor data, such as image, audio, telematics, and/or autonomous vehicle data, associated with a past vehicle collision; inputting the historical sensor data into a machine learning program to determine data relevant to a past vehicle collision; receiving current sensor data associated with a current vehicle collision; inputting the current sensor data into the machine learning program to determine data relevant to the current vehicle collision; and determining a percentage of fault of the vehicle collision for one or more autonomous vehicles, autonomous vehicle systems, and/or drivers based upon, at least in part, analysis of the historical sensor data and the current sensor data.

公开(公告)号：US20220198575A1

公开(公告)日：2022-06-23

申请号：US17690530

申请日：2022-03-09

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 ,  G06F21/60 ,  H04L9/06

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to generate Usage-Based Insurance quotes for a vehicle tracked over its lifecycle according to a Vehicle Identification Number (VIN), or other vehicle identifier. A mileage report stored on the shared ledger may be searched according to the vehicle's VIN and a Usage-Based Insurance quote may be generated based upon the mileage report. Periodic updates to the mileage report may be broadcast to the blockchain in transactions that updated the shared ledger. An estimated vehicle usage may be determined based upon the cryptographic proof of the blockchain and a Usage-Based Insurance quote generated thereon.

公开(公告)号：US20220123918A9

公开(公告)日：2022-04-21

申请号：US17232973

申请日：2021-04-16

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: H04L9/06 ,  G06Q30/00 ,  G06F21/60 ,  G07C5/00 ,  G07C5/08 ,  H04L9/30 ,  G06Q10/10 ,  G06Q40/08 ,  G06F16/901 ,  H04L9/32

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to handle a total loss of a vehicle associated with a Vehicle Identification Number (VIN). A vehicle lifecycle may be tracked on a blockchain according to VIN. If the vehicle suffers a total loss, a transaction is broadcast to the blockchain to update the shared ledger to record the loss status of the vehicle. The blockchain may also include other information, such as mileage, regarding the vehicle and searchable by VIN. The other information and the loss status may be used to determine whether the vehicle likely represents a total loss.

公开(公告)号：US20210312405A1

公开(公告)日：2021-10-07

申请号：US15899771

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: G06Q10/00 ,  H04L9/30

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 facilitate compliance when an original equipment manufacturer (OEM) conducts a recall. The systems and methods may include receiving a recall notice indicating a vehicle type has been recalled, and updating a VIN record for a vehicle matching the vehicle type to associate the VIN record with the recall notice. 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.

公开(公告)号：US20210264526A1

公开(公告)日：2021-08-26

申请号：US15870292

申请日：2018-01-12

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Ronny S. Bryant ,  Stacie A. McCullough ,  Mitchell J. Hill ,  Jacob J. Alt ,  Jaime Skaggs ,  Shawn M. Call ,  Eric Bellas ,  Vick King ,  Melinda Teresa Magerkurth

IPC: G06Q40/08 ,  H04L9/06

Abstract: Systems and methods are disclosed with respect to using a distributed ledger for use with vehicle sensor data and usage based systems. These usage based systems may be opt-in programs wherein a driver volunteers to install one or more vehicle sensors configured to monitor various characteristics associated with a vehicle (e.g., speed, acceleration, cornering, braking, path, etc.) that are utilized to develop a profile including information quantifying, for example, a driver's habits. Advantageously for the driver, such a profile can be utilized to reward safe drivers with lower insurance rates, including lower usage-based insurance rates.

公开(公告)号：US20210241380A1

公开(公告)日：2021-08-05

申请号：US17238546

申请日：2021-04-23

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Jaime Skaggs ,  Shawn M. Call ,  Eric Bellas ,  Douglas A. Graff ,  William J. Leise ,  Vicki King ,  Jacob J. Alt ,  Eric R. Moore ,  Stacie A. McCullough

IPC: G06Q40/08

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. Evidence regarding the value of the subrogation claim is sent to the shared ledger by entities involved in the claim such as sending to a smart contract deployed on the shared ledger. The parties to the subrogation claim may supplement evidence and settlement proposals on the blockchain by broadcasting a transaction or sending data to the smart contract. Once the claim is resolved, the parties may settle the subrogation payment off-chain or may transact a token having value on the chain. A subrogation smart contract may be programmed to release funds under certain conditions including holding a bond by a claimant and/or upon final resolution of the subrogation claim.

公开(公告)号：US11037246B1

公开(公告)日：2021-06-15

申请号：US15899857

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 ,  G06Q30/02 ,  G06F21/60 ,  H04L9/06 ,  G06Q40/02

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to handle a total loss of a vehicle associated with a Vehicle Identification Number (VIN). A vehicle lifecycle may be tracked on a blockchain according to VIN. If the vehicle suffers a total loss, a transaction is broadcast to the blockchain to update the shared ledger to record the loss status of the vehicle. The blockchain may also include other information, such as mileage, regarding the vehicle and searchable by VIN. The other information and the loss status may be used to determine whether the vehicle likely represents a total loss.

公开(公告)号：US12190389B2

公开(公告)日：2025-01-07

申请号：US18202365

申请日：2023-05-26

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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 ,  B60W50/00 ,  G06F16/182 ,  G06F16/27 ,  G06Q10/10 ,  G06Q20/38 ,  G06Q30/0283 ,  G06Q30/0601 ,  G06Q50/163 ,  G07C5/00 ,  G07C5/08 ,  G16H10/60 ,  H04L9/06 ,  H04L9/32 ,  H04L12/28 ,  H04L67/1061 ,  H04L67/12 ,  H04W4/40 ,  G06F16/903 ,  H04L9/00

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for tracking changes for a user. Example methods may include implementing one or more servers, each of the one or more servers maintaining a copy of a distributed ledger; detecting a change in a policy or claim status for a user; responding to the detection of the change, including: (i) generating, via a server of the one or more servers, a transaction record for the distributed ledger including data corresponding to the change; (ii) generating a hash value representative of at least the transaction record using at least a generated nonce value; and (iii) storing the transaction record and the hash value to each copy of the distributed ledger at the one or more servers; and performing a function based upon the transaction record stored to the distributed ledger.

公开(公告)号：US20240331051A1

公开(公告)日：2024-10-03

申请号：US18735394

申请日：2024-06-06

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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: G06Q40/08 ,  G06F16/182 ,  G06F16/29 ,  G06F16/903 ,  G06Q10/10 ,  H04L9/06 ,  H04L9/32 ,  H04L9/40

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.

公开(公告)号：US12100054B2

公开(公告)日：2024-09-24

申请号：US18130153

申请日：2023-04-03

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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: G06Q40/08 ,  G06F16/27 ,  G06N20/00

CPC classification number: G06Q40/08 ,  G06F16/27 ,  G06N20/00

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, utilizing historical data related to a vehicle or vehicle collisions as part of the subrogation process. An exemplary embodiment may include receiving historical sensor data, such as image, audio, telematics, and/or autonomous vehicle data, associated with a past vehicle collision; inputting the historical sensor data into a machine learning program to determine data relevant to a past vehicle collision; receiving current sensor data associated with a current vehicle collision; inputting the current sensor data into the machine learning program to determine data relevant to the current vehicle collision; and determining a percentage of fault of the vehicle collision for one or more autonomous vehicles, autonomous vehicle systems, and/or drivers based upon, at least in part, analysis of the historical sensor data and the current sensor data.