公开(公告)号：US10824759B1

公开(公告)日：2020-11-03

申请号：US15877122

申请日：2018-01-22

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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: H04L29/06 ,  G06F21/62 ,  H04L9/06 ,  H04L9/08 ,  H04L29/08

Abstract: 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.

公开(公告)号：US10776878B1

公开(公告)日：2020-09-15

申请号：US15637251

申请日：2017-06-29

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Andrew Joseph Zeglin ,  Jessica Lynn Shull ,  David Turrentine ,  Edward W. Breitweiser ,  Melinda Teresa Magerkurth

IPC: G06Q40/08 ,  G06Q50/22 ,  G06Q50/00 ,  H04L29/08 ,  G06F16/9535 ,  H04W4/21

Abstract: A data aggregation and processing engine optimizes underwriting decisions in the life insurance industry by using social media data to reduce the level of underwriting required. Social media data enables underwriting thresholds based on risk assessments and credibility correlations within publicly available social media data sets with options for opting into more detailed analysis of private social data. Activity monitors further refine appropriate underwriting actions together with correlations with provided biographical data.