IP Library Granted Patent US 12,033,219
Granted Patent B2
US 12,033,219 · App. 17/990,619 · Granted Jul 9, 2024

Evidence oracles

Inventors: William J. Leise (Normal, IL); Douglas A. Graff (Mountain View, MO); Anthony McCoy (Normal, IL); Jaime Skaggs (Chenoa, IL); Shawn M. Call (Bloomington, IL); Stacie A. McCullough (Bloomington, IL); Wendy H. Clayton (Franklin, TN); Melinda Teresa Magerkurth (Utica, IL); Kim E. Flesher (Normal, IL); Travis Charles Runge (Heyworth, IL)
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
G06Q40/08G06F16/183G06F16/29G06F16/90335G06Q10/10H04L9/0637H04L9/3247H04L63/101
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Quick Facts
Patent No.
US 12,033,219
App. No.
17/990,619
Filed
Nov 18, 2022
Granted
Jul 9, 2024
Kind
B2
Art Unit
2493
USPC
713/176
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.

Claims (68)

1. A computer-implemented method for providing data relevant to collisions and subrogation claims by interacting with a distributed ledger maintained by a plurality of participants, the method comprising:

receiving, at one or more processors, recorded data from one or more connected devices at a geographic location, wherein the one or more processors are one or more processors of an evidence oracle located at a traffic intersection, a road segment, a waterway, and/or a bridge;

analyzing, at the one or more processors of the evidence oracle located at the traffic intersection, the road segment, the waterway, and/or the bridge, the recorded data, wherein analyzing the recorded data comprises determining that a collision has occurred involving one or more vehicles;

generating, at the one or more processors, a transaction including the data indicative of the collision based upon the analysis; and

transmitting, at the one or more processors, the transaction to at least one other participant in the distributed ledger network.

2. The computer-implemented method of claim 1 , wherein the recorded data are one of sensor data, audio data, video data, and combinations thereof.

3. The computer-implemented method of claim 1 , wherein the geographic location is the waterway, and/or the bridge.

4. The computer-implemented method of claim 1 , wherein the recorded data includes environmental data.

5. The computer-implemented method of claim 1 , wherein generating the transaction further comprises:

identifying, at the one or more processors, identity data for the one or more connected devices;

augmenting, at the one or more processors, the transaction with the identity data for the one or more connected devices;

generating, at the one or more processors, a cryptographic signature based upon the transaction; and

augmenting, at the one or more processors, the transaction with the cryptographic signature.

6. The computer-implemented method of claim 1 , further comprising:

adding, at the one or more processors, the transaction to a block of transactions;

solving, at the one or more processors, a cryptographic puzzle based upon the block of transactions;

adding, at the one or more processors, the solution to the cryptographic puzzle to the block of transactions; and

transmitting, at the one or more processors, the block of transactions to at least one other participant in the distributed ledger network.

7. The computer-implemented method of claim 1 , further comprising:

determining, at the one or more processors, that a collision has not occurred; and

in response to the determination that a collision has not occurred, updating, at the one or more processors, a database with the recorded data.

8. A computer-implemented method for providing data relevant to collisions and subrogation claims by interacting with a distributed ledger maintained by a plurality of participants, the method comprising:

receiving, at one or more processors of an evidence oracle located at a traffic intersection, a road segment, a waterway, and/or a bridge, a request for recorded data from at least one other participant in the distributed ledger network, wherein the recorded data is relevant to the collisions and the subrogation claims;

verifying, at the one or more processors, an access level for the at least one other participant;

analyzing, at the one or more processors of the evidence oracle located at the traffic intersection, the road segment, the waterway, and/or the bridge, the request for recorded data, wherein analyzing comprises determining data relevant to the request;

generating, at the one or more processors, a transaction including the data relevant to the request; and

transmitting, at the one or more processors, the transaction to the at least one other participant in the distributed ledger network.

9. The computer-implemented method of claim 8 , wherein the request for recorded data is triggered by a transaction on the distributed ledger network related to a subrogation claim.

10. The computer-implemented method of claim 8 , wherein verifying the access level for the at least one participant requesting the recorded data further comprises:

determining, at the one or more processors, an identity for the at least one other participant; and

checking, at the one or more processors, the identity against a database of access levels listing who may access the recorded data.

11. The computer-implemented method of claim 8 , wherein analyzing the request for recorded data further comprises:

determining, at the one or more processors, a type of data requested; and

determining, at the one or more processors, an amount of data requested.

12. The computer-implemented method of claim 8 , wherein generating the transaction further comprises:

identifying, at the one or more processors, identity data for one or more connected devices that recorded the recorded data;

augmenting, at the one or more processors, the transaction with the identity data for the one or more connected devices;

generating, at the one or more processors, a cryptographic signature based upon the transaction; and

augmenting, at the one or more processors, the transaction with the cryptographic signature.

13. The computer-implemented method of claim 8 , further comprising:

adding, at the one or more processors, the transaction to a block of transactions;

solving, at the one or more processors, a cryptographic puzzle based upon the block of transactions;

adding, at the one or more processors, the solution to the cryptographic puzzle to the block of transactions; and

transmitting, at the one or more processors, the block of transactions to at least one other participant in the distributed ledger network.

14. A computer system for providing data relevant to collisions and subrogation claims by interacting with a distributed ledger maintained by a plurality of participants, the system comprising:

a hardware network interface configured to interface with one or more processors of an evidence oracle located at a traffic intersection, a road segment, a waterway, and/or a bridge;

one or more sensors;

a non-transitory 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 of the evidence oracle located at the traffic intersection, the road segment, the waterway, and/or the bridge configured to interface with the non-transitory 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:

receive recorded data from one or more connected devices at a geographic location;

analyze the recorded data, wherein analyze the recorded data comprises determining that a collision has occurred involving one or more vehicles;

generate a transaction including the data indicative of the collision based upon the analysis; and

transmit the transaction to at least one other participant in the distributed ledger network.

15. The computer system of claim 14 , wherein the recorded data are one of sensor data, audio data, video data, and combinations thereof.

16. The computer system of claim 14 , wherein the geographic location is the waterway, and/or the bridge.

17. The computer system of claim 14 , wherein the recorded data includes environmental data.

18. The computer system of claim 14 , wherein to generate the transaction, the one or more processors are further configured to execute the non-transitory computer executable instructions to cause the one or more processors to:

identify identity data for the one or more connected devices;

augment the transaction with the identity data for the one or more connected devices;

generate a cryptographic signature based upon the transaction; and

augment the transaction with the cryptographic signature.

19. The computer system of claim 14 , 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 the transaction to a block of transactions;

solve a cryptographic puzzle based upon the block of transactions;

add the solution to the cryptographic puzzle to the block of transactions; and

transmit the block of transactions to at least one other participant in the distributed ledger network.

20. The computer system of claim 14 , 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:

if a collision has not occurred, update a database with the recorded data.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 15, 2024
From: LEISE, WILLIAM J.; GRAFF, DOUGLAS A.; MCCOY, ANTHONY; SKAGGS, JAIME; CALL, SHAWN M.; MCCULLOUGH, STACIE A.; CLAYTON, WENDY H.; MAGERKURTH, MELINDA TERESA; FLESHER, KIM E.; RUNGE, TRAVIS CHARLES
To: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Reel/Frame 066119/0183 →
Continuity (7)
Continuation 17064711 · Oct 7, 2020
Continuation 15955777 · Apr 18, 2018
Provisional Application 62595803 · Dec 7, 2017
Provisional Application 62555358 · Sep 7, 2017
Provisional Application 62554907 · Sep 6, 2017
Provisional Application 62555030 · Sep 6, 2017
Related Publication 20230115587A1 · Apr 13, 2023
Cited By (2)
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