Systems and methods for generating, maintaining, and using portable data on a blockchain
Systems and methods are disclosed for generating one or more smart contracts for deployment onto a blockchain. The systems and methods may include (1) receiving vehicle information related to a vehicle; (2) analyzing the vehicle information to identify one or more safety features installed in the vehicle; (3) generating, based upon the one or more safety features identified, a smart contract that may be configured to (i) maintain a set of indications related to whether safety features in the one or more safety features installed in the vehicle have been activated, and (ii) automatically execute on the blockchain based upon the maintained set of indications; and/or (4) deploying the smart contract at a particular address on the blockchain.
1 . A computer-implemented method for data portability using a blockchain, the method comprising:
receiving, by one or more processors and from a requestor, a request to calculate an insurance premium for a vehicle;
receiving, by the one or more processors and from the requestor, a digital signature created using a private key corresponding to a public key that is registered in a public key repository, wherein the public key repository is stored on the blockchain and accessible by an asset smart contract associated with the vehicle on the blockchain;
verifying, via the asset smart contract, the digital signature using the public key repository;
identifying, by the one or more processors, a vehicle record on the blockchain related to the vehicle, wherein the vehicle record identifies vehicle information related to the vehicle, wherein access by the requestor to the vehicle information is governed by an access policy configured by a vehicle owner and enforced by the asset smart contract, wherein the access policy specifies one or more of scope, duration, or type of vehicle data accessible to the requestor, and wherein the asset smart contract determines an authorized subset of vehicle information made available to the one or more processors in accordance with the access policy;
analyzing, by the one or more processors, the authorized subset of vehicle information to derive the insurance premium; and
transmitting, by the one or more processors, an indication of the insurance premium to the requestor.
2 . The computer-implemented method of claim 1 , wherein the vehicle information includes vehicle sensor data generated from sensors mounted on or within the vehicle.
3 . The computer-implemented method of claim 2 , wherein the vehicle record indicates a location at which the vehicle sensor data is stored.
4 . The computer-implemented method of claim 1 , wherein the vehicle information includes event information recorded to the vehicle record.
5 . The computer-implemented method of claim 1 , wherein
the request to calculate an insurance premium includes a security credential to access the vehicle information.
6 . The computer-implemented method of claim 5 , wherein:
the request is a transaction written to the blockchain,
the blockchain includes the asset smart contract configured to provide the security credential to the one or more processors in response to detecting the request, and
receiving the security credential comprises:
receiving, from a node of the blockchain enforcing the asset smart contract, the security credential.
7 . The computer-implemented method of claim 6 , wherein:
to provide the security credential, the asset smart contract is configured to update a security node to indicate that the one or more processors are authorized to access the vehicle information, and
the method further comprises:
transmitting, via the one or more processors and to the security node, a request to access the vehicle information.
8 . The computer-implemented method of claim 1 , further comprising:
generating, by the one or more processors, an insurance smart contract that is configured to (i) detect a transaction indicating the request to calculate the insurance premium for the vehicle, and (ii) automatically execute on the blockchain in response to detecting the request; and
deploying, by the one or more processors, the insurance smart contract at a particular address on the blockchain.
9 . The computer-implemented method of claim 8 , wherein the insurance smart contract is configured to automatically execute an action in response to detecting the request, wherein the action includes:
accessing the vehicle information,
performing the analysis of the vehicle information to derive the insurance premium, and
transmitting an indication of the insurance premium to the requestor.
10 . A computer system for data portability using a blockchain, comprising:
one or more processors; and
a non-transitory program memory coupled to the one or more processors and storing executable instructions that, when executed by the one or more processors, cause the computer system to:
receive, from a requestor, a request to calculate an insurance premium for a vehicle;
receive, from the requestor, a digital signature created using a private key corresponding to a public key that is registered in a public key repository, wherein the public key repository is stored on the blockchain and accessible by an asset smart contract associated with the vehicle on the blockchain;
verify, via the asset smart contract, the digital signature using the public key repository;
identify a vehicle record on the blockchain related to the vehicle, wherein the vehicle record identifies vehicle information related to the vehicle, wherein access by the requestor to the vehicle information is governed by an access policy configured by a vehicle owner and enforced by the asset smart contract, wherein the access policy specifies one or more of scope, duration, or type of vehicle data accessible to the requestor, and wherein the asset smart contract determines an authorized subset of vehicle information made available to the one or more processors in accordance with the access policy;
analyze the authorized subset of vehicle information to derive the insurance premium; and
transmit an indication of the insurance premium to the requestor.
11 . The computer system of claim 10 , wherein the vehicle information includes vehicle sensor data generated from sensors mounted on or within the vehicle.
12 . The computer system of claim 11 , wherein the vehicle record indicates a location at which the vehicle sensor data is stored.
13 . The computer system of claim 10 , wherein the vehicle information includes event information recorded to the vehicle record.
14 . The computer system of claim 10 , wherein
the request to calculate an insurance premium includes a security credential to access the vehicle information.
15 . The computer system of claim 14 , wherein:
the request is a transaction written to the blockchain,
the blockchain includes the asset smart contract configured to provide the security credential to the one or more processors in response to detecting the request, and
receiving the security credential comprises:
receive, from a node of the blockchain enforcing the asset smart contract, the security credential.
16 . The computer system of claim 15 , wherein:
to provide the security credential, the asset smart contract is configured to update a security node to indicate that the one or more processors are authorized to access the vehicle information, and
the executable instructions, when executed by the one or more processors, cause the computer system to:
transmit, to the security node, a request to access the vehicle information.
17 . The computer system of claim 10 , wherein the executable instructions, when executed by the one or more processors, further cause the computer system to:
generate an insurance smart contract that is configured to (i) detect a transaction indicating the request to calculate the insurance premium for the vehicle, and (ii) automatically execute on the blockchain in response to detecting the request; and
deploy the insurance smart contract at a particular address on the blockchain.
18 . The computer system of claim 17 , wherein the insurance smart contract is configured to automatically execute an action in response to detecting the request, wherein the action includes:
access the vehicle information,
perform the analysis of the vehicle information to derive the insurance premium, and
transmit an indication of the insurance premium to the requestor.
19 . A tangible, non-transitory computer-readable medium storing executable instructions for data portability using a blockchain, that when executed by one or more processors of a computer system, cause the computer system to:
receive, from a requestor, a request to calculate an insurance premium for a vehicle;
receive, from the requestor, a digital signature created using a private key corresponding to a public key that is registered in a public key repository, wherein the public key repository is stored on the blockchain and accessible by an asset smart contract associated with the vehicle on the blockchain;
verify, via the asset smart contract, the digital signature using the public key repository;
identify a vehicle record on the blockchain related to the vehicle, wherein the vehicle record identifies vehicle information related to the vehicle, wherein access by the requestor to the vehicle information is governed by an access policy configured by a vehicle owner and enforced by the asset smart contract, wherein the access policy specifies one or more of scope, duration, or type of vehicle data accessible to the requestor, and wherein the asset smart contract determines an authorized subset of vehicle information made available to the one or more processors in accordance with the access policy;
analyze the authorized subset of vehicle information to derive the insurance premium; and
transmit an indication of the insurance premium to the requestor.