Using a distributed ledger to determine fault in subrogation
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.
1. A computer-implemented method of handling an electronic subrogation demand via a shared ledger, the method comprising:
specifying, in a smart contract of the electronic subrogation demand and via one or more processors, an identity of a subrogation claimant by assigning a first cryptographic public key to the subrogation claimant;
specifying, in the smart contract and via the one or more processors, an identity of a subrogation defendant by assigning a second cryptographic public key to the subrogation defendant;
signing, with the one or more processors, a message with private keys corresponding to the first and second public keys identifying the subrogation claimant and the subrogation defendant; and
sending, to the smart contract and via the one or more processors, data including the message signed by the private keys corresponding to the first and second public keys identifying the subrogation claimant and the subrogation defendant.
2. The computer-implemented method of claim 1 , further comprising, prior to the specifying of the subrogation defendant:
adding, via the one or more processors, to a blockchain, a block that includes a link to or an indication of the electronic subrogation demand, wherein the electronic subrogation demand is associated with a vehicle collision.
3. The computer-implemented method of claim 2 , further comprising:
receiving, via the one or more processors, sensor data related to the vehicle collision;
determining, via the one or more processors, a percentage of fault of the vehicle collision for a vehicle based upon, at least in part, analysis of the received sensor data;
receiving, via the one or more processors, an electronic arbitration demand associated with the vehicle collision; and
generating, via the one or more processors, a recommendation based upon, at least in part, analysis of the percentage of fault and the electronic arbitration demand.
4. The computer-implemented method of claim 3 , further comprising:
generating, via the one or more processors, a new block including the recommendation; and
adding, via the one or more processors, the new block to the blockchain.
5. The computer-implemented method of claim 2 , further comprising:
receiving, via the one or more processors, sensor data related to the vehicle collision;
determining, via the one or more processors, a percentage of fault of the vehicle collision for a vehicle based upon, at least in part, analysis of the received sensor data; and
generating, via the one or more processors, a recommendation based upon, at least in part, analysis of the percentage of fault and the electronic subrogation demand.
6. The computer-implemented method of claim 5 , further comprising:
generating, via the one or more processors, a new block including the recommendation, or an indication thereof, or a link thereto; and
adding, via one or more the processors, the new block to the blockchain.
7. The computer-implemented method of claim 2 , further comprising:
receiving, via the one or more processors, sensor data related to the vehicle collision;
determining, at the one or more processors, a percentage of fault of the vehicle collision for a vehicle based upon, at least in part, analysis of the received sensor data; and
generating, at the one or more processors, the electronic subrogation demand based upon, at least in part, analysis of the sensor data collected and the determined percentage of fault.
8. The computer-implemented method of claim 2 , wherein the electronic subrogation demand includes one or more line items directed to medical expenses, vehicle repair costs, vehicle towing services, rental vehicle expenses, or combinations thereof.
9. The computer-implemented method of claim 2 , further comprising:
receiving, via the one or more processors, sensor data related to the vehicle collision;
determining, via the one or more processors, a percentage of fault of the vehicle collision for a vehicle based upon, at least in part, analysis of the received sensor data;
analyzing, via the one or more processors, the electronic subrogation demand, the sensor data collected, and the percentage of fault determined for the vehicle;
generating, via the one or more processors, a recommendation for the subrogation demand; and
generating, via the one or more processors, a new block including a link to, or an indication of, the recommendation to add to the blockchain.
10. The computer-implemented method of claim 2 , further comprising:
receiving, via the one or more processors, sensor data related to the vehicle collision;
determining, at the one or more processors, a percentage of fault of the vehicle collision for a vehicle based upon, at least in part, analysis of the received sensor data;
generating, via the one or more processors, an electronic arbitration demand based upon, at least in part, the sensor data and the percentage of fault determined for the vehicle or the vehicle driver; and
generating, via the one or more processors, a block to add to the blockchain that includes a link to, or an indication of, the electronic arbitration demand.
11. The computer-implemented method of claim 1 , wherein:
the subrogation claimant and the subrogation defendant are network participants; and
the method further comprises the subrogation claimant and subrogation defendant generating the public and private keys offline, and providing only the public keys to other network participants.
12. A computer system configured to handle an electronic subrogation demand via a shared ledger, the computer system comprising one or more processors configured to:
specify, in a smart contract of the electronic subrogation demand, an identity of a subrogation claimant by assigning a first cryptographic public key to the subrogation claimant;
specify, in the smart contract, an identity of a subrogation defendant by assigning a second cryptographic public key to the subrogation defendant;
sign a message with private keys corresponding to the first and second public keys identifying the subrogation claimant and the subrogation defendant; and
send, to the smart contract, data including the message signed by private keys corresponding to the first and second public keys identifying the subrogation claimant and the subrogation defendant.
13. The computer system of claim 12 , wherein the one or more processors are further configured to:
add, to a blockchain, a block that includes a link to or an indication of the electronic subrogation demand, wherein the electronic subrogation demand is associated with a vehicle collision;
determine a percentage of fault of the vehicle collision for a vehicle based upon, at least in part, analysis of the received sensor data; and
generate the electronic subrogation demand based upon, at least in part, analysis of the sensor data collected and the determined percentage of fault.
14. The computer system of claim 12 , wherein the one or more processors are further configured to:
add, to a blockchain, a block that includes a link to or an indication of the electronic subrogation demand, wherein the electronic subrogation demand is associated with a vehicle collision;
determine a percentage of fault of the vehicle collision for a vehicle by inputting the sensor data into a machine learning program trained to identify a percentage of fault for a vehicle based upon sensor data.
15. The computer system of claim 12 , wherein the subrogation claimant and the subrogation defendant are network participants, and wherein the one or more processors are further configured to:
receive the public and private keys generated by the subrogation claimant and subrogation defendant offline; and
provide only the public keys to other network participants.
16. The computer system of claim 12 , wherein the one or more processors are further configured to:
add, to a blockchain, a block that includes a link to or an indication of the electronic subrogation demand, wherein the electronic subrogation demand is associated with a vehicle collision; and
determine a percentage of fault of the vehicle collision for a vehicle by inputting the sensor data into a machine learning program trained to identify a percentage of fault for a vehicle based upon sensor data.
17. A computer system for handling an electronic subrogation demand via a shared ledger, the system comprising:
a network interface configured to interface with one or more processors;
a memory configured to store non-transitory computer executable instructions and configured to interface with the one or more processors; and
the one or more processors configured to interface with the memory, wherein the one or more processors are configured to execute the non-transitory computer executable instructions to cause the one or more processors to:
specify, in a smart contract of the electronic subrogation demand, an identity of a subrogation claimant by assigning a first cryptographic public key to the subrogation claimant;
specify, in the smart contract, an identity of a subrogation defendant by assigning a second cryptographic public key to the subrogation defendant;
sign a message with private keys corresponding to the first and second public keys identifying the subrogation claimant and the subrogation defendant; and
send, to the smart contract, data including the message signed by private keys corresponding to the first and second public keys identifying the subrogation claimant and the subrogation defendant.
18. The system of claim 17 , wherein the one or more processors are further configured to execute the non-transitory computer executable instructions to cause the processor to:
add, to a blockchain, a block that includes a link to or an indication of the electronic subrogation demand, wherein the electronic subrogation demand is associated with a vehicle collision;
receive sensor data related to the vehicle collision; and
determine a percentage of fault of the vehicle collision for a vehicle based upon, at least in part, analysis of the sensor data; and
wherein the electronic subrogation demand is based upon, at least in part, analysis of the sensor data and the percentage of fault determined for the vehicle, and wherein the electronic subrogation demand includes one or more line items directed to medical expenses, vehicle repair costs, vehicle towing services, and rental vehicle expenses.
19. The system of claim 17 , wherein the one or more processors are further configured to execute the non-transitory computer executable instructions to cause the one or more processors to:
add, to a blockchain, a block that includes a link to or an indication of the electronic subrogation demand, wherein the electronic subrogation demand is associated with a vehicle collision;
receive sensor data related to the vehicle collision; and
determine a percentage of fault of the vehicle collision for a vehicle by inputting the sensor data into a machine learning program trained to identify a percentage of fault for a vehicle based upon sensor data.
20. The system of claim 17 , wherein the one or more processors are further configured to execute the non-transitory computer executable instructions to cause the one or more processors to:
receive an electronic notification of a vehicle collision generated by a vehicle from analysis of sensor data generated by one or more vehicle-mounted sensors; and
add, to a blockchain, a block that includes a link to or an indication of the electronic subrogation demand, wherein the electronic subrogation demand is associated with the vehicle collision.