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公开(公告)号：US20210264527A1
公开(公告)日：2021-08-26
申请号：US15870343
申请日：2018-01-12
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
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing smart home data. Various entities may edit and/or access the distributed ledger, such as a server (e.g., of the insurance provider), a mobile device (e.g., a tablet, smart phone, or laptop of the insured or of a vendor), a desktop computer (e.g., of the insured or of a vendor), a smart device in a home (e.g., a smart thermostat, a smart carbon monoxide detector, a smart camera or microphone, or any other smart device), a home controller that manages other smart devices, a drone that surveys the home (e.g., for roof or siding damage), etc.
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公开(公告)号：US20240273638A1
公开(公告)日：2024-08-15
申请号：US18643856
申请日：2024-04-23
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 , G06F16/182 , G06Q50/163
CPC classification number: G06Q40/08 , G06F16/182 , G06Q50/163
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing loss histories for individuals and/or assets, such as real estate, homes, and vehicles, and/or for creating and maintaining loss history reports for individuals and/or insurable assets. The loss histories or loss history reports may be individual or insured specific, or may be insurable or insured asset specific.
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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：US20210264526A1
公开(公告)日：2021-08-26
申请号：US15870292
申请日：2018-01-12
Inventor： Ronny S. Bryant , Stacie A. McCullough , Mitchell J. Hill , Jacob J. Alt , Jaime Skaggs , Shawn M. Call , Eric Bellas , Vick King , Melinda Teresa Magerkurth
Abstract: Systems and methods are disclosed with respect to using a distributed ledger for use with vehicle sensor data and usage based systems. These usage based systems may be opt-in programs wherein a driver volunteers to install one or more vehicle sensors configured to monitor various characteristics associated with a vehicle (e.g., speed, acceleration, cornering, braking, path, etc.) that are utilized to develop a profile including information quantifying, for example, a driver's habits. Advantageously for the driver, such a profile can be utilized to reward safe drivers with lower insurance rates, including lower usage-based insurance rates.
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公开(公告)号：US12026780B1
公开(公告)日：2024-07-02
申请号：US15870271
申请日：2018-01-12
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 , G06F16/182 , G06Q50/163
CPC classification number: G06Q40/08 , G06F16/182 , G06Q50/163
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing loss histories for individuals and/or assets, such as real estate, homes, and vehicles, and/or for creating and maintaining loss history reports for individuals and/or insurable assets. The loss histories or loss history reports may be individual or insured specific, or may be insurable or insured asset specific.
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Patent Agency Ranking
公开(公告)号：US11217332B1
公开(公告)日：2022-01-04
申请号：US15870298
申请日：2018-01-12
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
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing medical records. The medical records may be accessible by medical institutions such as hospitals, and may be controlled by the patient. The patient may, for example, decide which entities can access and/or edit the medical records.
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公开(公告)号：US20210264362A1
公开(公告)日：2021-08-26
申请号：US15870357
申请日：2018-01-12
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
Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing claim payment activity. In particular, the distributed ledger may be utilized to track the status of a claim and to track payment activity associated with the claim. For example, the distributed ledger may be utilized to track estimates, offers, settlements, and payouts relating to insurance claims relating to injuries, property damage, (e.g., to homes, automobile, personal articles, or other insured assets), and other expenses (e.g., payments to vendors such as car repair shops, car rental companies, cleaning companies, contractors, etc.).
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公开(公告)号：US20210174609A1
公开(公告)日：2021-06-10
申请号：US17177825
申请日：2021-02-17
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
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.
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公开(公告)号：US12190389B2
公开(公告)日：2025-01-07
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 , B60W50/00 , G06F16/182 , G06F16/27 , G06Q10/10 , G06Q20/38 , G06Q30/0283 , G06Q30/0601 , G06Q50/163 , G07C5/00 , G07C5/08 , G16H10/60 , H04L9/06 , H04L9/32 , H04L12/28 , H04L67/1061 , H04L67/12 , H04W4/40 , G06F16/903 , H04L9/00
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：US11756128B2
公开(公告)日：2023-09-12
申请号：US17177825
申请日：2021-02-17
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.
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