Granted Patent B1

US 12,218,921 · App. 17/060,903 · Granted Feb 4, 2025

Inventors: Philip Peter Ramirez (Arlington Heights, IL); Michael J. Mcnichol, Jr. (Warrenville, IL); Tao Chen (Northbrook, IL); Vincent Quigley (Derry, IE); Brian Rice (Glenavy, IE)

Assignee: Allstate Insurance Company

H04L63/0464G07C5/00H04L9/00H04L63/0435H04L63/0442H04L63/061H04L63/0823H04L67/56

Abstract

Claims (58)

1. A method comprising:

receiving, by a first computing device associated with a first entity and from a plurality of sensors, sensor data, the sensor data comprising speed data;

processing the sensor data to generate processed speed data and a textual description, wherein the processing comprises generating a textual description indicating that the speed data and the source of the speed data is validated;

encrypting the processed speed data by a first encryption key associated with the first computing device to generate first encrypted speed data, wherein the textual description is not encrypted;

transmitting, to an intermediary database, the first encrypted speed data and the unencrypted textual description;

receiving, via the intermediary database and from a second computing device associated with a second entity, a selection of the first encrypted speed data and indication of exchange data comprising information regarding an incentive as exchange data for the exchange of the first encrypted speed data, wherein the selection of the first encrypted speed data was based on identifying, by the second computing device, speed data indicated by the unencrypted textual description;

based on an indication of accepting the exchange data, causing via the intermediary database an exchange of the first encrypted speed data for the exchange data comprising the incentive between the first computing device and the second computing device; and

converting the first encrypted speed data to second encrypted speed data via a second encryption key, wherein the converting comprises determining, using the intermediary database, that the exchange of the first encrypted speed data for the exchange data between the first computing device and the second computing device has been finalized;

wherein the second entity associated with the second computing device provides the incentive to the first entity associated with the first computing device when the exchange of the exchange data and the first encrypted speed data between the first computing device and the second computing device is finalized.

2. The method of claim 1 , wherein converting the first encrypted speed data to second encrypted speed data via the second encryption key further comprises:

receiving, from the intermediary database, the first encrypted speed data;

decrypting, using the first encryption key, the first encrypted speed data received from the intermediary database to generate decrypted data;

encrypting, using the second encryption key associated with the second computing device, the decrypted data to generate second encrypted speed data;

transmitting, via the intermediary database and to the second computing device, the second encrypted speed data for the second computing device to decrypt and use; and

receiving, via the intermediary database, the exchange data.

3. The method of claim 1 , wherein the text description is generated further based on user input associated with the sensor data.

4. The method of claim 1 , wherein the text description indicates a data type of the sensor data.

5. The method of claim 1 , further comprising:

validating, based on one or more of types of the plurality of sensors, manufacturers of the plurality of sensors, or models of the plurality of sensors, the source of the sensor data.

6. The method of claim 1 , wherein the intermediary database comprises a block chain.

7. An apparatus comprising:

a processor; and

memory storing computer-executable instructions that, when executed by the processor, cause the apparatus to:

receive, from a plurality of sensors, sensor data, the sensor data comprising speed data;

process the sensor data to generate processed data and a textual description, wherein the process comprises generating the textual description to indicate that the sensor data is validated;

encrypt the processed data by a first encryption key associated with the apparatus to generate first encrypted data, wherein the textual description is not encrypted;

transmit, to an intermediary database, the first encrypted data and the unencrypted textual description;

receive, via the intermediary database and from a second apparatus, a selection of the first encrypted data and indication of exchange data comprising information regarding an incentive as exchange data for the exchange of the first encrypted data, wherein the selection of the first encrypted data was based on identifying, by the second apparatus, the sensor data indicated by the unencrypted textual description;

based on an indication of accepting the exchange data, cause via the intermediary database an exchange of the first encrypted data for the exchange data comprising the incentive between the apparatus and the second apparatus; and

convert the first encrypted data to second encrypted data via a second encryption key, wherein the converting comprises determining, using the intermediary database, that the exchange of the first encrypted data for the exchange data between the first computing device and the second computing device has been finalized

wherein the apparatus is associated with a first entity, the second apparatus is associated with a second entity, and the second entity provides the incentive to the first entity when the exchange of the exchange data and the first encrypted speed data between the apparatus and the second apparatus has been finalized.

8. The apparatus of claim 7 , wherein the computer-executable instructions, when executed by the processor, cause the apparatus to convert the first encrypted data to second encrypted data via the second encryption key by causing the apparatus to:

receive, from the intermediary database, the first encrypted data;

decrypt, using the first encryption key, the first encrypted data received from the intermediary database to generate decrypted data;

encrypt, using the second encryption key associated with the second apparatus, the decrypted data to generate second encrypted data;

transmit, via the intermediary database and to the second apparatus, the second encrypted data for the second apparatus to decrypt and use; and

receive, via the intermediary database, the exchange data.

9. The apparatus of claim 7 , wherein the text description is generated further based on user input associated with the sensor data.

10. The apparatus of claim 7 , wherein the text description indicates a data type of the sensor data.

11. The apparatus of claim 7 , wherein the computer-executable instructions, when executed by the processor, further cause the apparatus to validate the source of the sensor data based on one or more of types of the plurality of sensors, manufacturers of the plurality of sensors, or models of the plurality of sensors.

12. A non-transitory computer readable medium storing instructions that, when read by a first computing device, cause the first computing device to:

receive, from a plurality of sensors, sensor data, the sensor data comprising speed data;

process the sensor data to generate processed data and a textual description, wherein the process comprises generating the textual description to indicate that the sensor data is validated;

encrypt the processed data by a first encryption key associated with the first computing device to generate first encrypted data, wherein the textual description is not encrypted;

transmit, to an intermediary database, the first encrypted data and the unencrypted textual description;

receive, via the intermediary database and from a second computing device, a selection of the first encrypted data and indication of exchange data comprising information regarding an incentive as exchange data for the exchange of the first encrypted data, wherein the selection of the first encrypted data was based on identifying, by the second computing device, the sensor data indicated by the unencrypted textual description;

based on an indication of accepting the exchange data, cause via the intermediary database an exchange of the first encrypted data for the exchange data comprising the incentive between the first computing device and the second computing device; and

convert the first encrypted data to second encrypted data via a second encryption key, wherein the converting comprises determining, using the intermediary database, that the exchange of the first encrypted data for the exchange data between the first computing device and the second computing device has been finalized;

wherein the first computing device is associated with a first entity, the second computing device is associated with a second entity, and the second entity provides the incentive to the first entity when the exchange of the exchange data and the first encrypted speed data between the first computing device and the second computing device is finalized.

13. The non-transitory computer readable medium of claim 12 , wherein the instructions, when read by the first computing device, cause the first computing device to convert the first encrypted data to second encrypted data via the second encryption key by causing the first computing device to:

receive, from the intermediary database, the first encrypted data;

decrypt, using the first encryption key, the first encrypted data received from the intermediary database to generate decrypted data;

encrypt, using the second encryption key associated with the second computing device, the decrypted data to generate second encrypted data;

transmit, via the intermediary database and to the second computing device, the second encrypted data for the second computing device to decrypt and use; and

receive, via the intermediary database, the exchange data.

14. The non-transitory computer readable medium of claim 12 , wherein the text description is generated further based on user input associated with the sensor data.

15. The non-transitory computer readable medium of claim 12 , wherein the text description indicates a data type of the sensor data, and

the data type of the sensor data comprises one or more of acceleration data, speed data, location data, data indicating hard braking, or driver risk score data.

Assignments (1)

Continuity (2)

References Cited (165)