公开(公告)号：US12020326B1

公开(公告)日：2024-06-25

申请号：US16948025

申请日：2020-08-27

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q40/08 ,  G06F21/60 ,  H04L9/06

CPC classification number: G06Q40/08 ,  G06F21/602 ,  H04L9/0637

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to generate Usage-Based Insurance quotes for a vehicle tracked over its lifecycle according to a Vehicle Identification Number (VIN), or other vehicle identifier. A mileage report stored on the shared ledger may be searched according to the vehicle's VIN and a Usage-Based Insurance quote may be generated based upon the mileage report. Periodic updates to the mileage report may be broadcast to the blockchain in transactions that updated the shared ledger. An estimated vehicle usage may be determined based upon the cryptographic proof of the blockchain and a Usage-Based Insurance quote generated thereon.

公开(公告)号：US11908019B2

公开(公告)日：2024-02-20

申请号：US17682463

申请日：2022-02-28

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： 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: H04L9/40 ,  G06Q40/08 ,  H04L9/06 ,  G06Q10/10 ,  H04L9/32 ,  G06F16/29 ,  G06F16/182 ,  G06F16/903

CPC classification number: G06Q40/08 ,  G06F16/183 ,  G06F16/29 ,  G06F16/90335 ,  G06Q10/10 ,  H04L9/0637 ,  H04L9/3247 ,  H04L63/101

Abstract: 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.

公开(公告)号：US11652609B2

公开(公告)日：2023-05-16

申请号：US17232973

申请日：2021-04-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q40/08 ,  H04L9/06 ,  G06Q30/018 ,  G06F21/60 ,  G07C5/00 ,  G07C5/08 ,  H04L9/30 ,  G06Q10/10 ,  G06F16/901 ,  H04L9/32 ,  G06Q30/02 ,  G06Q40/02 ,  G06Q10/20 ,  G01C22/00 ,  H04L9/00

CPC classification number: H04L9/0637 ,  G06F16/9027 ,  G06F21/602 ,  G06Q10/10 ,  G06Q10/20 ,  G06Q30/018 ,  G06Q30/0278 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/08 ,  G07C5/006 ,  G07C5/008 ,  G07C5/085 ,  G07C5/0808 ,  G07C5/0816 ,  H04L9/30 ,  H04L9/3239 ,  G01C22/00 ,  G06Q2220/00 ,  H04L9/3236 ,  H04L9/3247 ,  H04L9/50 ,  H04L2209/84

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.

公开(公告)号：US20230135121A1

公开(公告)日：2023-05-04

申请号：US18091702

申请日：2022-12-30

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A Read ,  Michael Brown ,  Robin A Rose

IPC: G06Q40/08 ,  G06N7/01 ,  G07C5/08

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US20230115587A1

公开(公告)日：2023-04-13

申请号：US17990619

申请日：2022-11-18

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： 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: G06Q40/08 ,  G06F16/29 ,  H04L9/40 ,  G06F16/903 ,  H04L9/06 ,  H04L9/32 ,  G06F16/182 ,  G06Q10/10

Abstract: 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.

公开(公告)号：US11580606B2

公开(公告)日：2023-02-14

申请号：US17740264

申请日：2022-05-09

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： 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: G06Q40/08 ,  G07C5/00 ,  H04L9/06 ,  G07C5/08 ,  G06N20/00 ,  H04L9/00

Abstract: 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.

公开(公告)号：US20220147937A1

公开(公告)日：2022-05-12

申请号：US17583497

申请日：2022-01-25

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q10/10 ,  H04L9/32 ,  G06Q20/40

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.

公开(公告)号：US11270383B1

公开(公告)日：2022-03-08

申请号：US15955180

申请日：2018-04-17

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q40/08 ,  G06Q20/06

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.

公开(公告)号：US20220012780A1

公开(公告)日：2022-01-13

申请号：US15899998

申请日：2018-02-20

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: G06Q30/02 ,  G06F21/60 ,  H04L9/06

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger tracking a vehicle according to a Vehicle Identification Number (VIN) to estimate a vehicle Actual Cash Value (ACV). An ACV of a vehicle may be determined and broadcast in a transaction to the blockchain to update the shared ledger to reflect the ACV value. Alternatively, an ACV may be determined according to information regarding the vehicle already stored on the blockchain. As further changes are made to the status of the vehicle on the blockchain, these changes are searchable according to the vehicle's VIN, and thus revised ACV values of the vehicle may be calculated.

公开(公告)号：US20210234670A1

公开(公告)日：2021-07-29

申请号：US17232973

申请日：2021-04-16

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

IPC: H04L9/06 ,  G06Q30/00 ,  G06F21/60 ,  G07C5/00 ,  G07C5/08 ,  H04L9/30 ,  G06Q10/10 ,  G06Q40/08 ,  G06F16/901 ,  H04L9/32

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.