Abstract: A system and computer-implemented method of continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes recalculating the amount in which the customer is approved for a mortgage based upon the new information received.

Abstract: A system and computer-implemented method of continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes recalculating the amount in which the customer is approved for a mortgage based upon the new information received.

Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. The data security techniques disclosed herein also enable the use of smart contracts to support compliance with anti-money laundering requirements. A node may receive a new account transaction that includes documents identifying an account holder. The node may compare the identity to a government list of identities. In some embodiments, the node may detect any discrepancies between the documents and modify the new account transaction. The new account transaction may be compiled into a block of the blockchain.

Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, and in particular, determining responsibility to pay for line items as part of the subrogation process. In one embodiment, the systems and methods may include (1) receiving a transaction from at least one other participant in the distributed ledger network; (2) analyzing the transaction to determine a set of line items related to a subrogation claim; (3) comparing the set of line items to a baseline dataset; (4) generating a transaction including a disputed line items dataset; and (5) transmitting the transaction to a smart contract stored on the distributed ledger.

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 machine learning generated subrogation resolutions as part of the subrogation process. An exemplary computer-implemented method includes monitoring transactions on a distributed ledger, identifying a transaction related to a subrogation claim, analyzing the transaction related to the subrogation claim, generating a recommended subrogation resolution using a machine learning algorithm, and transmitting a transaction including the recommended subrogation resolution to a smart contract stored on the distributed ledger.

Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties using computer technology and/or machine learning algorithms or artificial intelligence. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a computer file and/or memory location/address to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.

Abstract: The present embodiments relate to systems and methods for using a blockchain to record information related to the lifecycle of a vehicle associated with a Vehicle Identification Number (VIN), or other vehicle identifier. For example, the VIN lifecycle process may be used to facilitate compliance when an original equipment manufacturer (OEM) conducts a recall. The systems and methods may include receiving a recall notice indicating a vehicle type has been recalled, and updating a VIN record for a vehicle matching the vehicle type to associate the VIN record with the recall notice. The systems and methods described herein may allow for using a blockchain which gives the option for private information, and permissioned participants in the blockchain. In particular, the systems and methods may allow for a distributed consensus amongst businesses, consumers, and authorities, as to the validity of information and transactions stored on the blockchain.

Abstract: The present embodiments relate to systems and methods for using a blockchain that tracks vehicle lifecycles by Vehicle Identification Number (VIN) or other vehicle identifier to determine whether a vehicle is over or under financed. A mileage report and VIN is received and a transaction is broadcast to the blockchain tracking. An actual cash value (ACV) of the vehicle is then determined using the mileage report and/or other information stored in the shared ledger including a loan payoff value, financing value, etc. regarding the vehicle and searchable according to VIN. It is then determined whether the vehicle is over-financed or under-financed by comparing to loan payoff value with the ACV.

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.

Abstract: The present embodiments relate to systems and methods for using a blockchain to record information related to processes and services in the vehicle industry. The systems methods may include (1) receiving an indication that the insured has filed an insurance claim associated with an insurance policy covering an insured asset and an identifier associated with the insured; (2) transmitting the indication and the insured identifier to a plurality of nodes of a blockchain network; (3) accessing the loss history blockchain associated with the insured using the insured identifier as a key; (4) creating a new block including the indication of the insurance claim and/or the insured identifier; and/or (5) updating the loss history blockchain with the new block by forming a consensus on the new block with the plurality of nodes of the loss history blockchain to facilitate maintaining the loss history blockchain up-to-date.

Abstract: Methods and systems for processing a blockchain comprising a plurality of immutable insurance policy records corresponding to industry reports are provided. According to certain aspects, a transaction request indicating an industry report issued by an entity may be received at a first node. A block including a reporting record indicating the industry report may be added to a blockchain and transmitted to another node for validation. The first node may add the block to a copy of the blockchain, where the block may be identified by a hash value that references a previous block in the blockchain that includes at least one additional industry report.

Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents with an agency. In some scenarios, the documents may be associated with unclaimed property. The documents may be associated with a smart contract. Accordingly, the document may be encrypted using a public key for the smart contract and compiled into a block of the blockchain. In response to a request to provide access to the document to a particular node, the private key for the smart contract may be encrypted using the public key for the particular node and compiled into a block of the blockchain.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for insurance record management systems. The distributed ledger may be utilized to look up information pertaining to a person's insurance. For example, when a driver is pulled over by law enforcement for speeding, the driver may wish to verify an insurance policy by granting a law enforcement official permission to view his or her insurance records stored on the distributed ledger. Advantageously, the distributed ledger could consequently eliminate the need to carry physical proof of insurance.

Abstract: A computer-implemented method of incentivizing an insurance agent to update a blockchain. The method includes receiving, at one or more processors, a message indicating an agent updated a blockchain with information about a customer or a real estate property. The method further includes increasing, according to an interval of time, a score of the agent for at least one item of information about one or more of the customer or the real estate property updated to the blockchain. The method still further includes calculating an agent rating based upon the score of the agent, the agent rating used to compute one or more of compensation or bonus of the agent.

Abstract: The present methods and systems relate to using and accessing associate information for a company stored in a blockchain. The methods and systems include (1) receiving at least one associate request, the associate request having an associate request type, from at least one participant of the plurality of participants for information on an associate stored on the blockchain; (2) verifying the associate request based upon the associate request type; (3) verifying that, or otherwise determining whether or not, the associate information is stored on the blockchain; (4) when the associate information is stored on the blockchain, generating a transaction corresponding to the associate request type, or alternatively, when the associate information is not stored on the blockchain, generating a transaction involving the at least one associate request; and (5) transmitting the transaction to the plurality of participants, such as to facilitate maintaining a blockchain up-to-date.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing smart home data. Various entities may edit and/or access the distributed ledger, such as a server (e.g., of the insurance provider), a mobile device (e.g., a tablet, smart phone, or laptop of the insured or of a vendor), a desktop computer (e.g., of the insured or of a vendor), a smart device in a home (e.g., a smart thermostat, a smart carbon monoxide detector, a smart camera or microphone, or any other smart device), a home controller that manages other smart devices, a drone that surveys the home (e.g., for roof or siding damage), etc.

Abstract: The present embodiments relate to systems and methods for using a blockchain to record information related to processes and services in the vehicle industry. The systems and methods may include (1) receiving an insurance claim from a first participant, the insurance claim indicating that an insured asset has suffered a loss or been involved with an insurance-related event causing damage to the insured asset; (2) accessing, at a memory, the loss history blockchain using the identifier; (3) updating, at the memory, a block stored at the memory to associate the insurance claim with the individual or insured asset; and/or (4) transmitting the block to at least one other participant to facilitate maintaining the loss history blockchain related to the individual or the insured asset up-to-date.

Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to share access to audit data. The policy information may be associated with a smart contract. Accordingly, the audit data may be encrypted using a public key for the smart contract and compiled into a block of the blockchain. In response to a request to provide access to the audit data to a particular node, the private key for the smart contract may be encrypted using the public key for the particular node and compiled into a block of the blockchain.

Abstract: Systems and methods are disclosed for using a blockchain to maintain a Vehicle Identification Number (VIN) for a vehicle over the course of the vehicle lifecycle. For example, a computer-implemented method tracks a vehicle identifier on a blockchain maintained by a plurality of participants. The method may include (1) receiving, at a processor coupled with a network interface, a vehicle identifier notification from a participant; (2) accessing, at a memory coupled with a processor, the blockchain using the vehicle identifier notification; (3) updating, at the memory, a block stored at the memory using the vehicle identifier notification; and (4) transmitting, via the processor coupled with the network interface, the block to at least one other participant to facilitate maintaining the blockchain up-to-date.

Abstract: Systems and methods are disclosed for interacting with a blockchain that stores financial data. The systems and methods may include (1) receiving, by one or more processors financial data from one or more remote computing devices; (2) detecting, by the one or more processors, a financial event for the vehicle from analysis of the financial data; (3) identifying, by the one or more processors, the VIN of the vehicle when the financial event for the vehicle is detected; (4) generating, by the one or more processors, a transaction (i) including the vehicle's VIN, (ii) describing the financial event for the vehicle, and (iii) detailing a current status, owner, and location of the vehicle; and/or (5) transmitting, from one or more processors to a server, the transaction to facilitate maintaining a VIN-based distributed ledger detailing financial events for the particular vehicle.