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公开(公告)号：US20210264382A1
公开(公告)日：2021-08-26
申请号：US15910128
申请日：2018-03-02
发明人： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
摘要： 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 methods and systems may include (1) receiving, a vehicle loss notification from at least a first participant, wherein the vehicle loss notification comprises a vehicle identifier (e.g., VIN), a driver identifier (e.g., SSN), insurance claim information, an insurance policy number, and/or a vehicle loss report; (2) accessing, at a memory coupled with a processor, the loss history blockchain using the vehicle identifier and/or the vehicle loss notification; (3) updating, at the memory, a block stored at the memory using the vehicle identifier, the driver identifier, and the insurance claim information, and/or vehicle loss report; and/or (4) transmitting, via the processor coupled with the network interface, the block to at least a second participant to facilitate maintaining up-to-date the loss history blockchain.
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公开(公告)号：US20210241380A1
公开(公告)日：2021-08-05
申请号：US17238546
申请日：2021-04-23
发明人： 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分类号： G06Q40/08
摘要： 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.
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公开(公告)号：US11037246B1
公开(公告)日：2021-06-15
申请号：US15899857
申请日：2018-02-20
发明人： William J. Leise , Douglas A. Graff , Stacie A. McCullough , Shawn M. Call , Eric Bellas , Jaime Skaggs , Jacob J. Alt , Eric R. Moore , Vicki King
摘要： 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.
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公开(公告)号：US20210166327A1
公开(公告)日：2021-06-03
申请号：US17170613
申请日：2021-02-08
发明人： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
摘要： 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：US20210133888A1
公开(公告)日：2021-05-06
申请号：US15910352
申请日：2018-03-02
发明人： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
摘要： Systems and methods track a vehicle identifier or VIN on a blockchain maintained by a plurality of participants. One method may include (1) receiving, at a processor, a notification of a vehicle loss report from a first participant; (2) storing, at a memory coupled with the processor, the vehicle loss report on the blockchain; (3) generating, at the processor, a coverage amount based upon the vehicle loss report; (4) generating, at the processor, an order based upon the notification, wherein the order includes a repair assignment and a replacement vehicle request; (5) storing, at the memory, the repair assignment on the blockchain; (6) transmitting, at the processor, the order to at least a second participant; (7) receiving, at the processor, a repair estimate from the second participant; and/or (8) transmitting, at the processor, the repair estimate and the coverage amount to the first participant to facilitate maintaining a blockchain up-to-date.
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公开(公告)号：US10861015B1
公开(公告)日：2020-12-08
申请号：US15878007
申请日：2018-01-23
发明人： 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
摘要： The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users via smart contracts to handle account funding and distribution methods. The methods and systems include receiving a transaction from a participant, and verifying the transaction, such as by accessing a smart contract stored on the blockchain and checking a set of parameters against a set of conditions stored in the smart contract. Depending on whether the set of parameters satisfy the conditions, the results may be communicated to participants about the success or failure of the transaction.
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公开(公告)号：US10834360B1
公开(公告)日：2020-11-10
申请号：US16242206
申请日：2019-01-08
发明人： Rebecca A. Little , Bryan R. Nussbaum , Deanna L. Stockweather , Nathan C. Summers , An Ho , Vicki King
摘要： Systems and methods for facilitating virtual collaboration between users within virtual environments are disclosed. A plurality of users access a collaborative virtual environment system using interface devices to establish a virtual collaboration session in which users communicate via a bidirectional real-time communication channel and interact within a virtual environment. Annotations or other user interactions within the virtual environment are automatically propagated to each user in the virtual collaboration session in order to facilitate collaboration. Data from such virtual collaboration sessions may be captured for later use.
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公开(公告)号：US20240311922A1
公开(公告)日：2024-09-19
申请号：US18462055
申请日：2023-09-06
摘要： Apparatuses, systems and methods are provided for checking code for errors. The apparatuses, systems and methods may send a target code and a prompt for code checking to a machine learning (ML) chatbot to cause the ML chatbot to check the target code for errors. The apparatuses, systems and methods may determine whether there is an error in the target code based at least partially on a response from the ML chatbot. The apparatuses, systems and methods may, responsive to determining that there is an error in the target code, determine, via an interaction with the ML chatbot, whether there is a solution to fix the error. The apparatuses, systems and methods may, responsive to determining that there is a solution to fix the error, cause the ML chatbot to (i) fix the error, and/or (ii) present the error and/or the solution to a user.
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公开(公告)号：US20240281891A1
公开(公告)日：2024-08-22
申请号：US18204637
申请日：2023-06-01
摘要： The following relates generally to using artificial intelligence (AI) and/or machine learning (ML) to recommend a change in insurance coverage. In some embodiments, one or more processors: receive customer information of an insurance customer; determine that an insurance change recommendation trigger has occurred by routing the customer information into an insurance recommendation machine learning and/or artificial intelligence algorithm; and in response to determining the insurance change recommendation trigger, send a recommendation for an insurance policy change for the insurance customer.
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公开(公告)号：US20240281890A1
公开(公告)日：2024-08-22
申请号：US18204625
申请日：2023-06-01
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： The following relates generally to building a ground truth insurance database. In some embodiments, one or more processors: (1) receive potential insurance database information comprising (i) insurance company application (app) information, (ii) anonymized insurance claim information, (iii) police report information, and/or (iv) auxiliary information; (2) retrieve, from an insurance ground truth insurance database, existing ground truth insurance information by querying the ground truth database based upon the potential insurance database information; (3) determine if the potential insurance database information should be added to the insurance ground truth database by comparing the potential insurance database information to the existing ground truth insurance information; and/or (4) if the potential insurance database information should be added to the insurance ground truth database, add the potential insurance database information to the insurance ground truth database.
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