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公开(公告)号：US12094007B2
公开(公告)日：2024-09-17
申请号：US18138861
申请日：2023-04-25
发明人： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
IPC分类号： H04L9/40 , G06F16/182 , G06F16/29 , G06F16/903 , G06Q10/10 , G06Q40/08 , H04L9/06 , H04L9/32
CPC分类号： G06Q40/08 , G06F16/183 , G06F16/29 , G06F16/90335 , G06Q10/10 , H04L9/0637 , H04L9/3247 , H04L63/101
摘要： Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, in particular, utilizing evidence oracles as part of the subrogation process. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.
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公开(公告)号：US20230350869A1
公开(公告)日：2023-11-02
申请号：US18221132
申请日：2023-07-12
发明人： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
IPC分类号： G06F16/23 , H04L9/06 , G06Q40/08 , G06F16/901 , G06F16/182 , G06F16/21 , G07C5/08 , G06Q10/20 , G06Q40/00 , G06F16/27 , G06Q30/04 , G06Q30/0601 , G06Q30/0645 , G06Q40/12 , G07C5/00 , G06Q40/03
CPC分类号： G06F16/2358 , H04L9/0643 , G06Q40/08 , G06F16/9024 , G06F16/182 , G06F16/219 , G07C5/085 , G06Q10/20 , G06Q40/00 , G06F16/27 , G06Q30/04 , G06Q30/0611 , G06Q30/0645 , G06Q40/12 , H04L9/0637 , G07C5/008 , G06Q40/03 , H04L67/104
摘要： 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 systems and methods may include (1) receiving an indication of vehicle being involved a vehicle collision and a vehicle VIN; (2) accessing, at a memory, a loss history blockchain associated with the vehicle using the VIN as a key; (3) receiving vehicle sensor data generated or collected prior to, during, and/or after the vehicle collision; (4) creating a block to add to the loss history blockchain that includes the vehicle sensor data, or otherwise updating the loss history blockchain with the vehicle sensor data associated with the vehicle collision; (5) analyzing the vehicle sensor data to reconstruct the vehicle collision; and/or (6) updating the loss history blockchain to include and/or indicate the reconstructed vehicle collision by including the created block.
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公开(公告)号：US20230260047A1
公开(公告)日：2023-08-17
申请号：US18138861
申请日：2023-04-25
发明人： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
IPC分类号： G06Q40/08 , H04L9/06 , G06Q10/10 , H04L9/40 , H04L9/32 , G06F16/29 , G06F16/182 , G06F16/903
CPC分类号： G06Q40/08 , H04L9/0637 , G06Q10/10 , H04L63/101 , H04L9/3247 , G06F16/29 , G06F16/183 , G06F16/90335
摘要： Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, in particular, utilizing evidence oracles as part of the subrogation process. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.
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公开(公告)号：US11599653B1
公开(公告)日：2023-03-07
申请号：US16916398
申请日：2020-06-30
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
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 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：US11514176B1
公开(公告)日：2022-11-29
申请号：US16915931
申请日：2020-06-29
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
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：US20220270180A1
公开(公告)日：2022-08-25
申请号：US17740264
申请日：2022-05-09
发明人： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
摘要： Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle accident, in particular, determining fault as part of the subrogation process. An exemplary embodiment may include receiving an electronic notification of a vehicle collision; receiving sensor data (such as telematics, image, audio, vehicle operational, or other sensor data) related to the vehicle collision; determining a percentage of fault of the vehicle collision for one or more vehicles, vehicle systems, and/or drivers based upon, at least in part, analysis of the sensor data collected; and creating a blockchain for the vehicle collision with one or more links to the sensor image data and an indication of the percentage of fault(s) determined to facilitate blockchain-based claim handling.
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公开(公告)号：US20220269668A1
公开(公告)日：2022-08-25
申请号：US17683211
申请日：2022-02-28
发明人： William J. Leise , Jacob J. Alt , Jaime Skaggs , Eric Bellas , Shawn M. Call , Eric R. Moore , Melinda Teresa Magerkurth , Vicki King
IPC分类号： G06F16/23 , H04L9/06 , G06Q40/08 , G06F16/901 , G06F16/182 , G06F16/21 , G07C5/08 , G06Q10/00 , G06Q40/00 , G06F16/27 , G06Q30/04 , G06Q30/06 , G06Q40/02 , G07C5/00
摘要： The present embodiments relate to systems and methods for using a blockchain to record information related to processes and services in the vehicle industry. For example, (1) receiving vehicle data from one or more remote computing devices; (2) detecting a change in a condition of the vehicle from analysis of the vehicle data, such as that the vehicle has been in a collision and is now a total loss; (3) identifying a VIN of the vehicle or retrieving the VIN from a memory unit when a change in a condition of the vehicle is detected; (4) generating a transaction (i) including the vehicle's VIN, and (ii) describing the detected change in the condition of the vehicle and/or the status of the total loss vehicle; and/or (5) transmitting the transaction to facilitate creating and/or maintaining a VIN-based distributed ledger for the particular vehicle and/or transferring ownership of the total loss vehicle.
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公开(公告)号：US20220138741A1
公开(公告)日：2022-05-05
申请号：US15877982
申请日：2018-01-23
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
摘要： Systems and methods are disclosed for interacting with a blockchain and users of the blockchain to perform banking identity authentication services. For example, a method may include receiving a bank transaction from a participant; verifying the bank transaction; generating and communicating a confirmation that the bank transaction is valid to the participant; adding the bank transaction to a block of bank transactions; generating a cryptographic hash for the block of bank transactions; solving a cryptographic puzzle involving the hash of the block of bank transactions; adding the block to the blockchain; and/or transmitting the solution to the cryptographic puzzle, and the block of bank transactions to another participant. Otherwise, if the identity data is not valid, generating and communicating the confirmation that the bank transaction is not valid to the participant.
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公开(公告)号：US20210342946A1
公开(公告)日：2021-11-04
申请号：US15956541
申请日：2018-04-18
发明人： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
摘要： Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, and in particular, determining responsibility to pay for line items as part of the subrogation process. In one embodiment, the systems and methods may include (1) receiving a transaction from at least one other participant in the distributed ledger network; (2) analyzing the transaction to determine a set of line items related to a subrogation claim; (3) comparing the set of line items to a baseline dataset; (4) generating a transaction including a disputed line items dataset; and (5) transmitting the transaction to a smart contract stored on the distributed ledger.
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公开(公告)号：US20210326992A1
公开(公告)日：2021-10-21
申请号：US15955802
申请日：2018-04-18
发明人： William J. Leise , Douglas A. Graff , Anthony McCoy , Jaime Skaggs , Shawn M. Call , Stacie A. McCullough , Wendy H. Clayton , Melinda Teresa Magerkurth , Kim E. Flesher , Travis Charles Runge
摘要： Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, in particular, utilizing machine learning generated subrogation resolutions as part of the subrogation process. An exemplary computer-implemented method includes monitoring transactions on a distributed ledger, identifying a transaction related to a subrogation claim, analyzing the transaction related to the subrogation claim, generating a recommended subrogation resolution using a machine learning algorithm, and transmitting a transaction including the recommended subrogation resolution to a smart contract stored on the distributed ledger.
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