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公开(公告)号：US20230298108A1
公开(公告)日：2023-09-21
申请号：US18202365
申请日：2023-05-26
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.
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公开(公告)号：US11682082B2
公开(公告)日：2023-06-20
申请号：US17218119
申请日：2021-03-30
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 , G06Q40/08 , H04L9/06 , G06Q10/10 , H04L9/32 , G06F16/29 , G06F16/182 , G06F16/903
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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公开(公告)号：US11657460B2
公开(公告)日：2023-05-23
申请号：US17892040
申请日：2022-08-19
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, 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.
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公开(公告)号：US11651441B2
公开(公告)日：2023-05-16
申请号：US17592753
申请日：2022-02-04
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
IPC: G06Q40/08 , G06Q50/16 , G05B15/02 , G06Q10/10 , G16Y10/50 , E03B7/07 , H04L12/28 , G06Q30/02 , G16Y40/10 , G08B21/04
CPC classification number: G06Q40/08 , E03B7/071 , G05B15/02 , G06Q10/10 , G06Q30/0278 , G06Q50/16 , G16Y10/50 , H04L12/2823 , H04L12/2827 , G05B2219/163 , G05B2219/2642 , G08B21/043 , G16Y40/10 , H04L12/2803
Abstract: Methods and systems for homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, 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 may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.
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公开(公告)号：US20230100915A1
公开(公告)日：2023-03-30
申请号：US18074925
申请日：2022-12-05
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 homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, 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 may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.
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Patent Agency Ranking
公开(公告)号：US20230013894A1
公开(公告)日：2023-01-19
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
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：US11477010B1
公开(公告)日：2022-10-18
申请号：US17017964
申请日：2020-09-11
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
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：US11475527B1
公开(公告)日：2022-10-18
申请号：US16999260
申请日：2020-08-21
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, 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.
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49.发明申请公开(公告)号：US20220261919A1
公开(公告)日：2022-08-18
申请号：US17735556
申请日：2022-05-03
Inventor： Shawn M. Call , Daryoush Hakimi-Boushehri , John H. Weekes , Ronny S. Bryant , Jennifer Criswell , Todd Binion , Jackie O. Jordan, II , Elisabeth McDermeit , John Donovan
Abstract: Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication, whereby the plurality of devices are covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may receive identifications for the devices, and may update an inventory list to include the plurality of devices. A total market value of the devices may be calculated, and the central controller may estimate any modification to the insurance policy based upon the total market value. The controller may facilitate the modification to the insurance policy with a customer and an insurance provider. The smart devices may be, or be associated with, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.
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公开(公告)号：US20220253949A1
公开(公告)日：2022-08-11
申请号：US17734814
申请日：2022-05-02
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
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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