公开(公告)号：US20220180450A1

公开(公告)日：2022-06-09

申请号：US17682795

申请日：2022-02-28

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

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：US20220180449A1

公开(公告)日：2022-06-09

申请号：US17682463

申请日：2022-02-28

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

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：US20210350469A1

公开(公告)日：2021-11-11

申请号：US15870282

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 ,  Vicki King ,  Melinda Teresa Magerkurth

IPC: G06Q40/08 ,  G06Q30/02 ,  G07C5/00

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing vehicle sensor data utilized to develop collision profiles. These collision profiles may be helpful when analyzing a collision to determine conditions that preceded the collision, to determine fault, and/or to determine an extent of damage to one or more vehicles involved in the collision. The sensor data may be collected from any of a number of sensors configured to capture position, orientation, movement, acceleration, driver behavior, etc.

公开(公告)号：US20210279808A1

公开(公告)日：2021-09-09

申请号：US15870332

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 ,  Vicki King ,  Melinda Teresa Magerkurth

IPC: G06Q40/08 ,  H04L9/32

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for insurance record management systems. The distributed ledger may be utilized to look up information pertaining to a person's insurance. For example, when a driver is pulled over by law enforcement for speeding, the driver may wish to verify an insurance policy by granting a law enforcement official permission to view his or her insurance records stored on the distributed ledger. Advantageously, the distributed ledger could consequently eliminate the need to carry physical proof of insurance.

公开(公告)号：US11037377B1

公开(公告)日：2021-06-15

申请号：US15870350

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 ,  Vicki King ,  Melinda Teresa Magerkurth

IPC: G07C5/00 ,  G07C5/08 ,  G06Q40/08 ,  H04W4/40 ,  H04L29/08 ,  B60W50/00 ,  G06F16/27

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：US10929931B1

公开(公告)日：2021-02-23

申请号：US15870364

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 ,  Vicki King ,  Melinda Teresa Magerkurth

IPC: G06Q40/08 ,  G06Q30/06

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for facilitating carrier discovery. More specifically, the distributed ledger may be utilized to track insured individuals, their insurance policies, the insurance companies holding each of their policies, etc. This may be useful for facilitating exchange of insurance information between drivers after an automobile accident when drivers want to exchange insurance information and/or verify that the other is insured, facilitating subrogation (e.g., when an insurance company pays for an first insured party's losses but subsequently pursues reimbursement from an insurance company of a second at-fault party), and/or facilitating a determination of whether a driver has excess liability coverage.

公开(公告)号：US10832214B1

公开(公告)日：2020-11-10

申请号：US15899724

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: H04L29/06 ,  G06Q10/10 ,  G06Q40/08 ,  G01C22/00

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：US20250117861A1

公开(公告)日：2025-04-10

申请号：US18981972

申请日：2024-12-16

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

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：US20250054066A1

公开(公告)日：2025-02-13

申请号：US17212674

申请日：2021-03-25

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：US20250005679A1

公开(公告)日：2025-01-02

申请号：US18882071

申请日：2024-09-11

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 ,  H04L9/00

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 claim may request arbitration, especially after attempts to settle the claim on-chain between the two parties have failed. An arbitrator may request evidence from the parties and/or request responses from the parties to accept damages calculations and/or settlement offers. Once the claim is resolved, the 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.