公开(公告)号：US20230387480A1

公开(公告)日：2023-11-30

申请号：US17980944

申请日：2022-11-04

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Ryan Michael Gross ,  Matthew S. Megyese ,  Joseph P. Harr ,  Scott Thomas Christensen ,  Vicki King ,  Shawn Renee Harbaugh

IPC: H01M10/42 ,  G06Q40/08

CPC classification number: H01M10/4257 ,  G06Q40/08 ,  H01M2010/4271 ,  H01M2220/20 ,  H02J2310/48

Abstract: Computer-implemented methods of monitoring one or more batteries of an electric vehicle (EV) include (i) receiving, from an electronic device associated with the EV, telematics data generated by one or more sensors associated with the electronic device that is indicative of operation of the EV; (ii) determining a battery status of the one or more batteries based upon the telematics data; and (iii) mapping the battery status of the one more batteries to a digital record corresponding to the EV in a database.

公开(公告)号：US20230298108A1

公开(公告)日：2023-09-21

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

CPC classification number: G06Q40/08 ,  G06Q30/0623 ,  H04W4/40 ,  G06F16/27 ,  B60W50/00 ,  G07C5/008 ,  G07C5/0808 ,  H04L67/1061 ,  H04L67/12 ,  G06Q10/10 ,  G06Q20/389 ,  H04L9/0643 ,  H04L12/2803 ,  H04L9/32 ,  G06Q30/0283 ,  G16H10/60 ,  B60W2756/10 ,  H04L2012/2847 ,  G06F16/903

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：US20230237432A1

公开(公告)日：2023-07-27

申请号：US18191738

申请日：2023-03-28

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Rebecca A. Little ,  Bryan R. Nussbaum ,  Deanna L. Stockweather ,  Jacob Simonson ,  An Ho ,  Vicki King

IPC: G06Q10/10 ,  G06F3/04815 ,  H04L65/403 ,  H04L12/18 ,  G06F3/01

CPC classification number: G06Q10/10 ,  G06F3/04815 ,  H04L65/403 ,  H04L12/1831 ,  G06F3/011 ,  G02B27/017

Abstract: Systems and methods for facilitating virtual collaboration between users within virtual environments are disclosed. A plurality of users access a collaborative virtual environment system at various times using interface devices to establish an asynchronous virtual collaboration session in which users collaborate in real-time and/or asynchronously. To enable asynchronous collaboration, data from virtual collaboration session is stored and presented to later users, including user movements and interactions with the environment, user annotation, and audio communications or comments. Other users may then access the data at a later time, and later user interactions, annotations, and audio may likewise be stored for further review by other users.

公开(公告)号：US11636659B1

公开(公告)日：2023-04-25

申请号：US17308891

申请日：2021-05-05

Applicant: State Farm Mutual Automobile Insurance Company

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

IPC: G06T19/20 ,  G06T17/05 ,  G06Q50/16 ,  G06V10/75

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.

公开(公告)号：US20230013894A1

公开(公告)日：2023-01-19

申请号：US17946524

申请日：2022-09-16

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 ,  G07C5/08 ,  G07C5/00 ,  G06F21/60 ,  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). 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.

公开(公告)号：US11477010B1

公开(公告)日：2022-10-18

申请号：US17017964

申请日：2020-09-11

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: H04L29/06 ,  H04L9/06 ,  H04L9/30 ,  G07C5/00 ,  G06Q30/00 ,  G07C5/08 ,  G06F21/60

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.

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：US20220147505A1

公开(公告)日：2022-05-12

申请号：US17586296

申请日：2022-01-27

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: G06F16/23 ,  H04L9/06 ,  G06F16/901 ,  G06Q40/08

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. The systems and methods may include (1) receiving an indication of vehicle being involved a vehicle collision and a vehicle VIN; (2) accessing, at a memory, a loss history blockchain associated with the vehicle using the VIN as a key; (3) receiving vehicle sensor data generated or collected prior to, during, and/or after the vehicle collision; (4) creating a block to add to the loss history blockchain that includes the vehicle sensor data, or otherwise updating the loss history blockchain with the vehicle sensor data associated with the vehicle collision; (5) analyzing the vehicle sensor data to reconstruct the vehicle collision; and/or (6) updating the loss history blockchain to include and/or indicate the reconstructed vehicle collision by including the created block.

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：US11301936B1

公开(公告)日：2022-04-12

申请号：US15910240

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 ,  G06F16/27

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.