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公开(公告)号：US11270276B1
公开(公告)日：2022-03-08
申请号：US15877066
申请日：2018-01-22
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC: G06Q20/10 , G06Q20/22 , G06Q20/40 , G06Q40/08 , H04L9/32 , H04L9/06 , H04L29/08 , H04L9/08 , H04L67/104
Abstract: Methods and systems for processing a blockchain comprising a plurality of immutable insurance policy payment records corresponding to insurance policies are provided. According to certain aspects, a transaction request indicating a policy payment for an insurance policy may be received at a first node. A block including an insurance policy payment record indicating the policy payment may be added to a blockchain and transmitted to another node for validation. The first node may add the block to a copy of the blockchain, where the block may be identified by a hash value that references a previous block in the blockchain that includes at least one additional insurance policy payment record.
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公开(公告)号：US20210342828A1
公开(公告)日：2021-11-04
申请号：US15877046
申请日：2018-01-22
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. The data security techniques disclosed herein also enable the use of smart contracts to support compliance with anti-money laundering requirements. A node may receive a new account transaction that includes documents identifying an account holder. The node may compare the identity to a government list of identities. In some embodiments, the node may detect any discrepancies between the documents and modify the new account transaction. The new account transaction may be compiled into a block of the blockchain.
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33.发明申请公开(公告)号：US20210297579A1
公开(公告)日：2021-09-23
申请号：US16393336
申请日：2019-04-24
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, Jr. , Jennylind Sun
Abstract: The present embodiments relate to managing the operation of devices within a home or other property based upon received image data. According to certain aspects, a controller within the home may receive, with customer permission or consent, image data from image sensors disposed throughout the home. The controller may analyze the image data in combination with profile data for individuals associated with the home to determine that a certain individual is indicated in the image data. The controller may further determine an action to facilitate based upon the individual being detected in a certain location of the property, and may direct smart devices to perform that action. As a result, the present embodiments may facilitate providing occupant-location based (or occupant-presence or preference based) functionality, functions, or services, and/or directing operations of smart devices located about a property based upon occupant location, presence, preferences, and/or activities at the property.
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公开(公告)号：US20210279723A1
公开(公告)日：2021-09-09
申请号：US15877108
申请日：2018-01-22
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
Abstract: Methods and systems for processing a blockchain comprising a plurality of immutable insurance policy records corresponding to industry reports are provided. According to certain aspects, a transaction request indicating an industry report issued by an entity may be received at a first node. A block including a reporting record indicating the industry report may be added to a blockchain and transmitted to another node for validation. The first node may add the block to a copy of the blockchain, where the block may be identified by a hash value that references a previous block in the blockchain that includes at least one additional industry report.
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公开(公告)号：US11049078B1
公开(公告)日：2021-06-29
申请号：US16393131
申请日：2019-04-24
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, Jr. , Jennylind Sun
Abstract: Methods and systems for automatically mitigating risks of damage caused by the breaking of a circuit are provided. A smart home controller and/or insurance provider remote processor may analyze data received from a smart device disposed on, within, or proximate to a property associated with monitoring the flow of electricity. If it is determined that a risk of damage due to the flow of electricity being cut off repeatedly exists, the smart home controller or remote processor may automatically generate a repair request to schedule a repair event that mitigates the risks. The smart home controller may transmit information about the risks to a homeowner and/or an insurance provider. The insurance provider remote processor may interpret the transmitted data and perform insurance activities, such as providing a discount or premium, and/or adjusting an insurance policy associated with the property based upon the insured property being equipped with risk mitigation functionality.
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Patent Agency Ranking
公开(公告)号：US10943447B1
公开(公告)日：2021-03-09
申请号：US16692536
申请日：2019-11-22
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, Jr. , Jennylind Sun
Abstract: Methods and systems for generating a response to detecting a fire on a property are provided. In certain aspects, a smart home controller (or other smart controller) may analyze data received from smart devices disposed on, within, or proximate to a property. If it is determined that a fire is present on the premises of the property, the smart home controller may determine a location of the fire as compared to the smart devices. The smart home controller may then generate and transmit instructions causing a portion of the smart devices to perform a set of actions to mitigate risks associated with the presence of the fire on the property. The smart home controller may also compare the location of the fire with a location of an occupant, and generate an escape route for the occupant. Insurance policies, premiums, or discounts may be adjusted based upon the fire response/mitigation functionality.
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公开(公告)号：US10824747B1
公开(公告)日：2020-11-03
申请号：US15876953
申请日：2018-01-22
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to share policy information. The policy information may be associated with a smart contract. Accordingly, the policy information may be encrypted using a public key for the smart contract and compiled into a block of the blockchain. In response to a request to provide access to the information to a particular node, the private key for the smart contract may be encrypted using the public key for the particular node and compiled into a block of the blockchain.
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公开(公告)号：US10824746B1
公开(公告)日：2020-11-03
申请号：US15876918
申请日：2018-01-22
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.
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公开(公告)号：US20200302549A1
公开(公告)日：2020-09-24
申请号：US16899380
申请日：2020-06-11
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , EllaKate Wagner , Michael Harris, JR. , Jennylind Sun
Abstract: Methods and systems are provided that manage warranty information. A home may be populated with smart or other devices that are in wired or wireless communication with a central controller. The smart devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The controller may receive warranty information for the devices, and may update an inventory list to include the warranty information. The controller may detect that the warranty information indicates that a warranty corresponding to a smart device is about to expire. The controller may transmit a notification to a customer mobile device that informs the customer about, or prompts the customer to take, possible corrective actions. The smart devices may be associated with appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings. Insurance discounts may be provided based upon the warranty management functionality.
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公开(公告)号：US10388135B1
公开(公告)日：2019-08-20
申请号：US14873823
申请日：2015-10-02
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, Jr. , Jennylind Sun
IPC: G08B13/22
Abstract: The present embodiments relate to identifying property intrusion events based upon sensor data received from smart devices populated about a home. A smart home controller may compare the sensor data to baseline sensor data to dynamically identify an intrusion event that may be occurring. The controller may generate a notification and determine an action to perform to facilitate damage or risk mitigation. Accordingly, an individual associated with the home may be notified of the event, and then select to perform the action, such as via their mobile device. In some implementations, the controller may automatically perform the action. As a result, in response to computer identification of an intrusion event, corrective action may be taken or prompted, or otherwise any damage caused by the intrusion event may be mitigated, reducing insurance claims or claim amounts associated with intrusion events. Insurance discounts may be provided based upon the risk mitigation functionality.
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