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公开(公告)号：US10949926B1
公开(公告)日：2021-03-16
申请号：US15955213
申请日：2018-04-17
Inventor： Shawn M. Call , Jaime Skaggs , Eric Bellas , Douglas A. Graff , William J. Leise , Vicki King , Jacob J. Alt , Eric R. Moore , Stacie A. McCullough
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 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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公开(公告)号：US10930089B1
公开(公告)日：2021-02-23
申请号：US15899829
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 to record information related to the lifecycle of a vehicle associated with a Vehicle Identification Number (VIN), or other vehicle identifier. For example, the VIN lifecycle process may be used to detect a need to recalibrate one or more sensors. A baseline frequency may be determined at which a safety feature is expected to be triggered based upon data accessed at a blockchain. The baseline frequency maybe compared to a current frequency to identify a need that one or more sensors should be recalibrated. 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：US10805068B1
公开(公告)日：2020-10-13
申请号：US15899799
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 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
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：US09805601B1
公开(公告)日：2017-10-31
申请号：US15241769
申请日：2016-08-19
Inventor： Brian Mark Fields , Steven C. Cielocha , Jacob J. Alt , Laura A. Uphoff , Leo Nelson Chan , Mohamed A. Wazeer , Kristopher Keith Gaudin , Justin Davis , Nathan W. Baumann , Giles Roll
IPC: G08G1/0967
CPC classification number: G07C5/008 , B60Q9/008 , G07C5/02 , G07C5/0816 , G08G1/096791 , H04W4/02 , H04W4/44 , H04W4/46
Abstract: Methods and systems are described for generating a vehicle-to-vehicle traffic alert. Various aspects may include detecting that an abnormal traffic condition exists in an operating environment of a vehicle and generating a related electronic message. The electronic message may be transmitted via the vehicle's transceiver using a wireless communication to a nearby vehicle to alert the nearby vehicle of the abnormal traffic condition and to allow the nearby vehicle to avoid the abnormal traffic condition.
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Patent Agency Ranking
公开(公告)号：US20250117861A1
公开(公告)日：2025-04-10
申请号：US18981972
申请日：2024-12-16
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 , G06F16/903 , G06Q10/10 , G06Q20/38 , G06Q30/0283 , G06Q30/0601 , G06Q50/163 , G07C5/00 , G07C5/08 , G16H10/60 , H04L9/00 , H04L9/06 , H04L9/32 , H04L12/28 , H04L67/1061 , H04L67/12 , H04W4/40
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：US20250054066A1
公开(公告)日：2025-02-13
申请号：US17212674
申请日：2021-03-25
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：US12211096B2
公开(公告)日：2025-01-28
申请号：US18236539
申请日：2023-08-22
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 computer-implemented method of continuously updating information about a customer approved for a mortgage, the customer associated with a customer identification number. In one aspect, the method may include monitoring information accessed from a blockchain corresponding to the customer identification number, the information used to determine the customer is approved for a mortgage. In addition, the method may further include receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. Further, the method may include updating a block of the blockchain to include the new information and recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US20250005679A1
公开(公告)日：2025-01-02
申请号：US18882071
申请日：2024-09-11
Inventor： Shawn M. Call , Jaime Skaggs , Eric Bellas , Douglas A. Graff , William J. Leise , Vicki King , Jacob J. Alt , Eric R. Moore , Stacie A. McCullough
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 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：US12159317B2
公开(公告)日：2024-12-03
申请号：US17887982
申请日：2022-08-15
Inventor： Brian Mark Fields , Steven C. Cielocha , Jacob J. Alt , Laura A. Uphoff , Leo Nelson Chan , Mohamed A. Wazeer , Kristopher Keith Gaudin , Justin Davis , Nathan W. Baumann , Giles Roll
IPC: G08G1/0967 , B60Q9/00 , B60T17/22 , G06F18/214 , G06Q40/08 , G06Q50/00 , G06V20/58 , G07C5/00 , G07C5/02 , G07C5/08 , G08G1/01 , G08G1/07 , G08G1/0968 , G08G1/16 , G09B9/052 , G09B19/14 , H04N5/33 , H04N7/18 , H04N23/65 , H04W4/02 , H04W4/024 , H04W4/44 , H04W4/46 , G06N20/00
Abstract: Methods and systems are described for generating a vehicle-to-vehicle traffic alert and updating a vehicle-usage profile. Various aspects include detecting, via one or more processors associated with a first vehicle, that an abnormal traffic condition exists in an operating environment of the first vehicle. An electronic message is generated and transmitted wirelessly, via a vehicle-mounted transceiver associated with the first vehicle, to alert a nearby vehicle of the abnormal traffic condition and to allow the nearby vehicle to avoid the abnormal traffic condition. The first vehicle receives telematics data regarding operation of the nearby vehicle after the nearby vehicle received the electronic message, and transmits the telematics data to a remote server for updating a vehicle-usage profile associated with the nearby vehicle.
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