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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：US20210264512A1
公开(公告)日：2021-08-26
申请号：US15782566
申请日：2017-10-12
Inventor： Kristopher Keith Gaudin , Justin Davis , Jacob J. Alt , Matthew S. Megyese , John Lucas Bothwell
Abstract: Vehicle usage-based data, including telematics data, may be utilized to adjust one or more terms (e.g., a variable interest rate and/or variable principle amount) of a variable vehicle loan. Telematics data may include, for example, data generated via a vehicle data system and/or a mobile electronic device. The one or more terms may be additionally or alternatively be adjusted based upon transportation metrics associated with usage of the vehicle by a transportation network company (TNC) and/or TNC driver.
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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
Inventor： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
Abstract: 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：US20210256601A1
公开(公告)日：2021-08-19
申请号：US15890966
申请日：2018-02-07
Inventor： Jacob J. Alt , Jessica Lynn Shull , Joseph Robert Brannan , Daryoush Hakimi
Abstract: Systems and methods may provide for customer pre-approval for a flexible loan product that may dynamically change to account for uneven or seasonal income of a customer. Some flexible loan products may include loan, warranty, and/or insurance payments. Past and/or current customer data, such as past and current income, predicted future income, current home or vehicle value, current interest rates, and/or vehicle or home maintenance, may be analyzed by artificial intelligence to periodically reassess and restructure the future loan payments.
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公开(公告)号：US20210248641A1
公开(公告)日：2021-08-12
申请号：US17203412
申请日：2021-03-16
Inventor： Leo N. Chan , Jacob J. Alt , Matthew S. Megyese , Steven C. Cielocha , Kristopher Keith Gaudin , Brian Mark Fields
Abstract: In a computer-implemented method, telematics data collected during one or more time periods by one or more electronic subsystems of a vehicle, and/or by a mobile electronic device of the driver or a passenger, is received. The telematics data includes operational data indicative of how a driver of the vehicle operated the vehicle. The received telematics data is analyzed to identify driving behaviors of the driver during the time period(s). Based at least upon the driving behaviors, a driver profile is generated or modified. Based at least upon the generated or modified driver profile, a suggested vehicle type is identified, at least by determining that the profile meets a set of one or more matching criteria associated with the suggested vehicle type. An indication of the suggested vehicle type is displayed to a user.
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Patent Agency Ranking
公开(公告)号：US20210241380A1
公开(公告)日：2021-08-05
申请号：US17238546
申请日：2021-04-23
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.
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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
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
Abstract: 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
Inventor： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
Abstract: 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：US11010831B1
公开(公告)日：2021-05-18
申请号：US15975386
申请日：2018-05-09
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties using computer technology and/or machine learning algorithms or artificial intelligence. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a computer file and/or memory location/address to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
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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
Inventor： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
Abstract: 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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