公开(公告)号：US12088692B2

公开(公告)日：2024-09-10

申请号：US17989850

申请日：2022-11-18

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 ,  G06F16/901 ,  G06F21/60 ,  G06Q10/10 ,  G06Q10/20 ,  G06Q30/018 ,  G06Q30/02 ,  G06Q40/02 ,  G06Q40/03 ,  G06Q40/08 ,  G07C5/00 ,  G07C5/08 ,  H04L9/06 ,  H04L9/30 ,  H04L9/32 ,  G01C22/00 ,  H04L9/00

CPC classification number: H04L9/0637 ,  G06F16/9027 ,  G06F21/602 ,  G06Q10/10 ,  G06Q10/20 ,  G06Q30/018 ,  G06Q30/0278 ,  G06Q40/02 ,  G06Q40/03 ,  G06Q40/08 ,  G07C5/006 ,  G07C5/008 ,  G07C5/0808 ,  G07C5/0816 ,  G07C5/085 ,  H04L9/30 ,  H04L9/3239 ,  G01C22/00 ,  G06Q2220/00 ,  H04L9/3236 ,  H04L9/3247 ,  H04L9/50 ,  H04L2209/84

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 ensure the transferability of title, including when information relevant to transferability is not easily determinable, such as after a collision occurs. The systems and methods may include the reception of a mileage report corresponding to a vehicle and updating a blockchain to associate the vehicle with mileage information. 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 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：US20240095846A1

公开(公告)日：2024-03-21

申请号：US18521151

申请日：2023-11-28

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

CPC classification number: G06Q40/08 ,  G06Q20/0655

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.

公开(公告)号：US20240037668A1

公开(公告)日：2024-02-01

申请号：US18379729

申请日：2023-10-13

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

CPC classification number: G06Q40/08 ,  H04L9/0637 ,  G06Q10/10 ,  H04L63/101 ,  H04L9/3247 ,  G06F16/29 ,  G06F16/183 ,  G06F16/90335

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：US20230360140A1

公开(公告)日：2023-11-09

申请号：US18216304

申请日：2023-06-29

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 ,  G06N20/00 ,  G07C5/08 ,  H04L9/06 ,  G07C5/00 ,  H04L9/00

CPC classification number: G06Q40/08 ,  G06N20/00 ,  G07C5/0816 ,  H04L9/0637 ,  G07C5/008 ,  G07C5/0866 ,  H04L9/50

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.

公开(公告)号：US11756128B2

公开(公告)日：2023-09-12

申请号：US17177825

申请日：2021-02-17

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 ,  G06F16/903 ,  H04L9/00

CPC classification number: G06Q40/08 ,  B60W50/00 ,  G06F16/27 ,  G06Q10/10 ,  G06Q20/389 ,  G06Q30/0283 ,  G06Q30/0623 ,  G07C5/008 ,  G07C5/0808 ,  G16H10/60 ,  H04L9/0643 ,  H04L9/32 ,  H04L12/2803 ,  H04L67/1061 ,  H04L67/12 ,  H04W4/40 ,  B60W2756/10 ,  G06F16/903 ,  H04L9/50 ,  H04L2012/2847

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing smart vehicle data. The managed data may relate to a detected vehicle event, such as: a motion or position detected by a motion or position sensor as a GPS chip, an accelerometer, a compass, a speedometer, a gyroscope, etc.; braking detected by a braking sensor; turn input detected by a steering wheel sensor; wheel position detected by a wheel sensor; engine temperature detected by a temperature gauge; oil temperature detected by a temperature gauge; a seatbelt status detected by a seatbelt and/or seat sensor; etc.

公开(公告)号：US20230252577A1

公开(公告)日：2023-08-10

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 ,  G06N20/00 ,  G06F16/27

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

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：US20220405857A1

公开(公告)日：2022-12-22

申请号：US17892040

申请日：2022-08-19

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：US11501383B1

公开(公告)日：2022-11-15

申请号：US17168024

申请日：2021-02-04

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.

公开(公告)号：US11416942B1

公开(公告)日：2022-08-16

申请号：US15956578

申请日：2018-04-18

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 ,  G07C5/00 ,  H04L9/06 ,  G07C5/08 ,  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, 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.

公开(公告)号：US11362809B2

公开(公告)日：2022-06-14

申请号：US17077129

申请日：2020-10-22

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 ,  G06Q30/02 ,  G06Q40/02 ,  G06Q10/00 ,  G01C22/00

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.