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公开(公告)号：US10805068B1
公开(公告)日：2020-10-13
申请号：US15899799
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 to record information related to the lifecycle of a vehicle associated with a Vehicle Identification Number (VIN). For example, the VIN lifecycle process may be used to develop safety-feature based insurance models. The systems and methods may include calculating a safety rating for a safety feature based upon data accessed at a blockchain. The safety rating may be used to generate a product associated with a new vehicle type, such as an insurance product covering the new vehicle type. 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 may allow for a distributed consensus amongst businesses, consumers, and authorities, as to the validity of information and transactions stored on the blockchain.
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公开(公告)号：US10740849B1
公开(公告)日：2020-08-11
申请号：US15910300
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 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：US20240330928A1
公开(公告)日：2024-10-03
申请号：US18739706
申请日：2024-06-11
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
CPC分类号： G06Q20/401 , G06F21/105 , G06F21/645 , G06Q20/3827 , G06Q20/3829 , G06Q20/4014 , G06Q40/08 , H04L9/3236 , H04L9/3239 , H04L9/3247 , G06F21/6245 , G06Q2220/00 , G06Q2220/18 , H04L9/50 , H04L2209/56
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 to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract.
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公开(公告)号：US12106380B2
公开(公告)日：2024-10-01
申请号：US18206899
申请日：2023-06-07
发明人： Shawn M. Call , Jaime Skaggs , Eric Bellas , Douglas A. Graff , William J. Leise , Vicki King , Jacob J. Alt , Eric R. Moore , Stacie A. McCullough
CPC分类号： G06Q40/08 , G06Q20/0655 , G06Q2220/00 , H04L9/50
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 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.
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公开(公告)号：US12034833B2
公开(公告)日：2024-07-09
申请号：US17946524
申请日：2022-09-16
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
IPC分类号： H04L29/06 , G06F16/901 , G06F21/60 , G06Q10/10 , G06Q10/20 , G06Q30/018 , G06Q30/02 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/00 , G07C5/08 , H04L9/06 , H04L9/30 , H04L9/32 , G01C22/00 , H04L9/00
CPC分类号： H04L9/0637 , G06F16/9027 , G06F21/602 , G06Q10/10 , G06Q10/20 , G06Q30/018 , G06Q30/0278 , G06Q40/02 , G06Q40/03 , G06Q40/08 , G07C5/006 , G07C5/008 , G07C5/0808 , G07C5/0816 , G07C5/085 , H04L9/30 , H04L9/3239 , G01C22/00 , G06Q2220/00 , H04L9/3236 , H04L9/3247 , H04L9/50 , H04L2209/84
摘要： 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). For example, the VIN lifecycle process may be used to develop safety-feature based insurance models. The systems and methods may include calculating a safety rating for a safety feature based upon data accessed at a blockchain. The safety rating may be used to generate a product associated with a new vehicle type, such as an insurance product covering the new vehicle type. 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 may allow for a distributed consensus amongst businesses, consumers, and authorities, as to the validity of information and transactions stored on the blockchain.
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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
发明人： 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分类号： G06Q40/08 , G06F16/182 , G06Q50/163
CPC分类号： G06Q40/08 , G06F16/182 , G06Q50/163
摘要： 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：US20240161201A1
公开(公告)日：2024-05-16
申请号：US18423146
申请日：2024-01-25
IPC分类号： G06Q40/08 , G06Q30/0201
CPC分类号： G06Q40/08 , G06Q30/0201 , G01C21/3697
摘要： A method for identifying a primary vehicle associated with a user of a mobile device includes receiving an indication of a vehicle entry event from a mobile device and retrieving sensor data from the mobile device. The method further includes receiving an indication of a vehicle exit event from the mobile device, generating a trip log including portions of the sensor data, and storing the trip log in a trip database. A server, or other suitable computing device, then analyzes the trip log and a plurality of previously stored trip logs in the trip database to determine a primary vehicle corresponding to the user of the mobile device. The method may allow a computing device to assign gathered mobile device data to a specific household vehicle.
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公开(公告)号：US20240111881A1
公开(公告)日：2024-04-04
申请号：US18532258
申请日：2023-12-07
发明人： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC分类号： G06F21/62 , G06F21/60 , G06Q20/10 , G06Q20/38 , G06Q20/40 , G06Q40/08 , H04L9/06 , H04L9/08 , H04L9/14 , H04L9/30 , H04L9/32 , H04L9/40 , H04L67/104
CPC分类号： G06F21/6209 , G06F21/602 , G06F21/604 , G06F21/6245 , G06Q20/10 , G06Q20/102 , G06Q20/3825 , G06Q20/3827 , G06Q20/3829 , G06Q20/401 , G06Q20/4014 , G06Q40/08 , H04L9/0637 , H04L9/0825 , H04L9/0861 , H04L9/0894 , H04L9/14 , H04L9/30 , H04L9/3236 , H04L9/3247 , H04L63/0428 , H04L63/10 , H04L67/104 , G06Q20/223 , G06Q2220/10
摘要： Methods and systems for processing a blockchain comprising a plurality of immutable sales records corresponding to sales made by agents of an entity are provided. According to certain aspects, a transaction request indicating a sale made by an agent of the entity may be received at a first node. A block including a sales record indicating the sale made by the agent 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 sales record.
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公开(公告)号：US11914728B2
公开(公告)日：2024-02-27
申请号：US17973652
申请日：2022-10-26
发明人： 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分类号： G06F21/62 , H04L9/08 , H04L29/08 , G06Q20/10 , H04L9/06 , H04L29/06 , H04L9/40 , H04L67/104 , G06F21/60 , H04L9/32 , G06Q20/38 , G06Q40/08 , H04L9/14 , H04L9/30 , G06Q20/40 , G06Q20/22 , G06Q10/10 , H04L9/00
CPC分类号： G06F21/6209 , G06F21/602 , G06F21/604 , G06F21/6245 , G06Q20/10 , G06Q20/102 , G06Q20/3825 , G06Q20/3827 , G06Q20/3829 , G06Q20/401 , G06Q20/4014 , G06Q40/08 , H04L9/0637 , H04L9/0825 , H04L9/0861 , H04L9/0894 , H04L9/14 , H04L9/30 , H04L9/3236 , H04L9/3247 , H04L63/0428 , H04L63/10 , H04L67/104 , G06Q10/10 , G06Q20/223 , G06Q2220/00 , G06Q2220/10 , H04L9/50 , H04L63/105 , H04L2209/56
摘要： 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：US11861729B2
公开(公告)日：2024-01-02
申请号：US17963293
申请日：2022-10-11
发明人： Shawn M. Call , Jaime Skaggs , Eric Bellas , Douglas A. Graff , William J. Leise , Vicki King , Jacob J. Alt , Eric R. Moore , Stacie A. McCullough
CPC分类号： G06Q40/08 , G06Q20/0655
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 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 subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, 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.
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