Distributed ledger system for managing smart data
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.
1 . A computer-implemented method for tracking changes for a user via a distributed ledger, the computer-implemented method comprising:
detecting, by one or more processors, a change in an insurance claim status for the user;
responding, by the one or more processors, to the detection of the change, including:
(i) generating, via a server, 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; and
(iii) storing, responsive to solving a cryptographic puzzle, the transaction record and the hash value to a block of a blockchain at the distributed ledger at the server, wherein the block is cryptographically linked to a previous block; and
performing, by the one or more processors, a function based upon the transaction record stored to the distributed ledger.
2 . The computer-implemented method of claim 1 , wherein the change represents any one or more of: a filing of the insurance claim; an assessment of damage; an estimate of a repair or replacement cost; or a payment to settle the insurance claim.
3 . The computer-implemented method of claim 1 , wherein responding to the detection further includes:
performing, via the server, a consensus analysis via a consensus mechanism to form a consensus regarding a validity of the transaction record,
wherein storing the transaction record includes storing the transaction record in response to detecting that the consensus has been formed.
4 . The computer-implemented method of claim 3 , wherein the consensus mechanism is any one or more of: a proof of activity mechanism, a proof of burn mechanism, a proof of capacity mechanism, or a proof of elapsed time mechanism.
5 . The computer-implemented method of claim 3 , wherein responding to the detection further includes:
generating a notification that the transaction record is invalid in response to detecting that the consensus has not been formed.
6 . The computer-implemented method of claim 1 , wherein the change pertains to at least one of: a vehicle, a property, a financial transaction, or the user.
7 . The computer-implemented method of claim 1 , wherein the hash value is a hash value for the block.
8 . A computer device for tracking changes for a user via a distributed ledger, the computer device comprising one or more processors configured to:
detect a change in an insurance claim status for the user;
respond to the detection of the change by:
(i) generating, via a server, 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; and
(iii) storing, responsive to solving a cryptographic puzzle, the transaction record and the hash value to a block of a blockchain at the distributed ledger at the server, wherein the block is cryptographically linked to a previous block; and
perform a function based upon the transaction record stored to the distributed ledger.
9 . The computer device of claim 8 , wherein the change represents any one or more of: a filing of the insurance claim; an assessment of damage; an estimate of a repair or replacement cost; or a payment to settle the insurance claim.
10 . The computer device of claim 8 , wherein the one or more processors are further configured to:
broadcast the transaction record to one or more servers;
perform a consensus analysis via a consensus mechanism to form a consensus regarding a validity of the transaction record; and
store the transaction record in response to detecting that the consensus has been formed.
11 . The computer device of claim 10 , wherein the consensus mechanism is any one or more of: a proof of activity mechanism, a proof of burn mechanism, a proof of capacity mechanism, or a proof of elapsed time mechanism.
12 . The computer device of claim 10 , wherein the one or more processors are further configured to respond to the detection further by:
generating a notification that the transaction record is invalid in response to detecting that the consensus has not been formed.
13 . The computer device of claim 9 , wherein the change pertains to at least one of: a vehicle, a property, a financial transaction, or the user.
14 . The computer device of claim 9 , and wherein the hash value is a hash value for the block.
15 . A non-transitory computer-readable medium storing instructions for tracking changes for a user via a distributed ledger that, when implemented, cause a computing system to:
detect a change in an insurance claim status for the user;
respond to the detection of the change by:
(i) generating, via a server, 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; and
(iii) storing, responsive to solving a cryptographic puzzle, the transaction record and the hash value to a block of a blockchain at the distributed ledger at the server, wherein the block is cryptographically linked to a previous block; and
perform a function based upon the transaction record stored to the distributed ledger.
16 . The non-transitory computer-readable medium of claim 15 , wherein the change represents any one or more of: a filing of the insurance claim; an assessment of damage; an estimate of a repair or replacement cost; or a payment to settle the insurance claim.
17 . The non-transitory computer-readable medium of claim 15 , wherein the instructions, when executed, further cause the computing system to respond to the detection further by:
performing a consensus analysis via a consensus mechanism to form a consensus regarding a validity of the transaction record,
wherein storing the transaction record includes storing the transaction record in response to detecting that the consensus has been formed.
18 . The non-transitory computer-readable medium of claim 17 , wherein the consensus mechanism is any one or more of: a proof of burn mechanism, a proof of capacity mechanism, or a proof of elapsed time mechanism.
19 . The non-transitory computer-readable medium of claim 17 , wherein the change pertains to at least one of: a vehicle, a property, a financial transaction, or the user.
20 . The non-transitory computer-readable medium of claim 17 , wherein the hash value is a hash value for the block.