Granted Patent B2

US 12,640,243 · App. 18/613,896 · Granted May 26, 2026

Inventors: Kyle Culver (Coxs Creek, KY); Emily Braun (Louisville, KY); Rohit Wason (Louisville, KY); Nicholas Hill (Louisville, KY); Zachary A. Stout (Louisville, KY); Matthew A. Plappert (Louisville, KY); Chulmin Lee (Prospect, KY); Benjamin Singer (Louisville, KY); Norman Leach (Jeffersonville, IN)

Assignee: Humana Inc.

G16H10/60G06F9/547G06F16/27G06F21/645G06Q20/3829G06Q30/0207G16H15/00G16H80/00H04L9/3247

Abstract

Claims (96)

1 . A system for maintaining accuracy of data, said system comprising:

a network comprising user devices and one or more servers hosting a platform for access by the user devices, each associated with a respective user, said platform providing a decentralized, distributed data marketplace using a distributed ledger stored on a blockchain of the network, wherein said platform is associated with software instructions, stored at the one or more servers, which when executed, configure one or more processors to:

issue requests for updates and validations to data sets at the decentralized, distributed data marketplace from one or ones of the users (“the offering user(s)”), said requests comprising smart contracts for the requests comprising terms for providing rewards for the updates and validations to the updates;

receive offers to fulfil the requests for updates to the data sets from some of all of the users (“the updating users”);

update the smart contracts with certain information from the updating users;

receive updates to the data sets from the updating users;

receive indication of provision of rewards from the updating users;

receive offers to fulfil the requests for the validations of the updates to the data sets from some of all of the users (“the validating users”);

update the smart contracts with certain information from the validating users; and

on an update-by-update basis:

receive indication of one of: validation and non-validation for the updates; and

in accordance with the terms of the smart contracts, return the reward to the updating users where the updates to the data set are indicated as successfully validated by the validating users, and provide the reward to the validating users where the updates to the data set are indicated as not successfully validated by the validating users;

provide al least certain communications on the network between the user devices, at least in part by:

storing public keys for the updating users;

storing blocks comprising encrypted values at the distributed ledger encrypted using the public keys of the updating users;

decrypting the encrypted values using the private keys of the updating users:

using the decrypted values of to access data resources; and

receiving the updates to the data sets stored by way of the data resources.

2 . The system of claim 1 wherein:

the dispensation of the rewards is tracked on the distributed ledger.

3 . The system of claim 2 wherein:

the rewards comprise fees for validating the updates to the data sets;

the smart contract comprises terms for escrowing and dispositioning the validation fees; and

the validation fees are escrowed prior to dispensation.

4 . The system of claim 1 wherein:

the decrypted values comprise pointers to the data resources; and

the data resources are located off the blockchain platform.

5 . The system of claim 4 wherein:

the pointers comprise URLs.

6 . The system of claim 1 wherein:

the one or more servers comprise software instructions, which when executed, configure the one or more processors to encrypt the at least certain communications at least by:

storing public keys for the validating users;

encrypting the updates with the public keys of the validating users; and

decrypting the updated with the private keys of the validating users to access the updates.

7 . The system of claim 1 wherein:

the requests are issued as open, standing requests.

8 . The system of claim 1 wherein:

for each of the updates, on an update-by-update basis, each of the updating user, the validating user, and the offering user are different users associated with different user devices.

9 . The system of claim 1 wherein:

the one or more servers comprise software instructions, which when executed, configure the one or more processors to: on an update-by-update basis, increase credibility scores associated with the updating users where the updates to the data set are successfully validated by the validating users, and decrease the credibility score associated with the updating users where the updates to the data set are not successfully validated by the validating users.

10 . The system of claim 9 wherein:

the one or more servers comprise software instructions, which when executed, configure the one or more processors to: prevent acceptance of updates from any of the updating users associated with a credibility score below a predetermined threshold.

11 . The system of claim 1 wherein:

the one or more servers comprise software instructions, which when executed, configure the one or more processors to: prevent acceptance of updates older than a predetermined amount.

12 . The system of claim 1 wherein:

at least some of the user devices are associated with mining users; and

the one or more servers comprise software instructions, which when executed, configure the one or more processors to:

receive indication of mining fee payments from the offering users; and

on a block-by-block basis for updates to the distributed ledger, distribute a respective one of the mining fee payments to an associated one of the mining users.

13 . The system of claim 1 wherein:

the data sets comprise medical history information for patients.

14 . The system of claim 1 wherein:

the data sets comprise address and phone numbers for healthcare provider practices.

15 . The system of claim 1 wherein:

the offering user(s) comprise one or more insurance providers; and

the updating user(s) comprise one or more healthcare providers or associated entities.

16 . The system of claim 1 wherein:

the one or more servers comprise software instructions, which when executed, configure the one or more processors to: provide, by way of the platform, the data sets and trusted data for comparison against the data sets for accuracy by the updating users and the validating users.

17 . A system for maintaining accuracy of sets, said system comprising:

one or more non-transitory electronic storage devices comprising software instructions, which when executed, configure one or more processors to:

generate a decentralized, distributed data marketplace using a distributed ledger stored on a blockchain network for access by user devices, where each of said user devices is associated with a respective user;

provide, at the decentralized, distributed data marketplace, data sets and trusted data for comparison against the data sets for accuracy;

issue requests, at the decentralized, distributed data marketplace, and in the form of blocks on the distributed ledger, for updates and validations to the data sets from certain of the users (“the offering user(s)”), said requests including automatically generated smart contracts comprising terms for dispositioning reward fees for the updates and validations;

receive offers to fulfil the requests for updates to the data sets from certain other of the users (“the updating users”) in the form of blocks on the distributed ledger;

automatically update the smart contracts with certain information from the updating users;

receive updates to the data sets from the updating users in the form of blocks on the distributed ledger;

receive indication of payment of the reward fees from the updating users in the form of blocks on the distributed ledger;

receive offers to fulfil the requests for the validations of the updates to the data sets from certain other of the users (“the validating users”) in the form of blocks on the distributed ledger;

automatically update the smart contracts with certain information from the validating users; and

on an update-by-update basis:

receive indication of one of: validation and non-validation for the updates in the form of blocks on the distributed ledger;

automatically, and in accordance with the terms of the smart contracts, provide the reward fees to the updating users where the updates to the data set are indicated as successfully validated by the validating users, and provide the reward fees to the validating users where the updates to the data set are indicated as not successfully validated by the validating users; and

record distribution of the reward fees by issuance of blocks on the distributed ledger;

provide at least certain communications for the distributed ledger, at least in part by:

storing public keys for the updating users;

storing blocks comprising encrypted values at the distributed ledger encrypted using the public keys of the updating users:

decrypting the encrypted values using the private keys of the updating users,

using the decrypted values of to access data resources; and

receiving the updates to the data sets stored by way of the data resources.

18 . A system for providing a data market for maintaining accuracy of data sets, said system comprising:

user devices, a first subset of which are associated with offering users, a second subset of which are associated with updating users, and a third subset of which are associated with validating users;

servers hosting a platform for access by the user devices, said platform providing a decentralized, distributed data marketplace using a distributed ledger stored on a blockchain of the network comprising the user devices and the servers;

wherein the servers comprise software instructions, which when executed, configure one or more processors to:

provide, by way of the platform, data sets and trusted data for comparison against the data sets for accuracy by the updating users and the validating users;

issue requests for updates and validations to data sets at the decentralized, distributed data marketplace from the offering users, said requests comprising smart contracts for the requests comprising terms for escrowing and dispositioning rewards for the updates and validations;

receive updates to the data sets from the updating users;

receive indication of escrow of rewards from the updating users; and

on an update-by-update basis:

receive indication of one of: validation and non-validation for the updates;

automatically, and in accordance with the terms of the smart contracts: return the rewards from escrow to the updating users where the updates to the data set are indicated as successfully validated by the validating users, and provide the rewards from escrow to the validating users where the updates to the data set are indicated as not successfully validated by the validating users;

provide at least certain communications for the distributed ledger, at least in part by:

storing public keys for the updating users;

storing blocks comprising encrypted values at the distributed ledger encrypted using the public keys of the updating users;

decrypting the encrypted values using the private keys of the updating users;

using the decrypted values of to access data resources; and

receiving the updates to the data sets stored by way of the data resources.

Assignments (1)

Continuity (2)

References Cited (36)