Abstract: A computer-implemented method of monitoring water usage includes generating and receiving first water usage data indicating a first plurality of water usage events associated with a structure, each of the first plurality of water usage events being associated with a respective location and/or entity. The method may also include generating, based upon the first water usage data, a baseline water usage model representing water usage over time locations and/or entities, and generating second water usage data indicating a second plurality of water usage events associated with the structure, each of the second plurality of water usage events being associated with a respective location and/or entity. The method may also include detecting, based upon the second water usage data and the baseline water usage model, anomalous water usage associated with a particular location and/or entity, and causing an indication of the anomalous water usage to be presented to a user.

Abstract: In a computer-implemented method of detecting or predicting water intrusion into a structure from an external environment, data indicative of one or more factors associated with the external environment is received. The method also includes detecting or predicting water intrusion into the structure by analyzing at least the data indicative of the one or more factors associated with the external environment, and causing an indication of the detected or predicted water intrusion to be presented to a user.

Abstract: A system for detecting water damage to a structure may include a plurality of energy-harvesting sensors on or within the structure, each sensor being configured to (i) generate sensor data indicative of one or more characteristics of air, construction materials, and/or water within the structure and (ii) generate power for operating the sensor responsively to an external stimulus other than an electrical power source. One or more processors of the system receive sensor data generated by the energy-harvesting sensors, detecting water damage to the structure by analyzing at least the sensor data, and cause an indication of the detected water damage to be presented to a user.

Abstract: In a computer-implemented method of detecting or predicting water damage within a structure, sensor data indicative of one or more conditions associated with the structure is generated. The condition(s) include at least one characteristic of air, construction materials, or water within the structure. The method may also include receiving the sensor data and data indicative of one or more other factors associated with an interior of the structure, detecting or predicting water damage to the structure by jointly analyzing the sensor data and the data indicative of the one or more other factors, and causing an indication of the detected or predicted water damage to be presented to a user.

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, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.

Abstract: Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.

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 policy information. The policy information may be associated with a smart contract. Accordingly, the policy information 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 information 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: Methods and systems for processing a blockchain comprising a plurality of immutable sales records corresponding to sales made by agents of an entity are provided. According to certain aspects, a transaction request indicating a sale made by an agent of the entity may be received at a first node. A block including a sales record indicating the sale made by the agent 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 sales record.

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim such as sending data to a smart contract deployed on the shared ledger. The parties to the subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.

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: 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, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.

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: A computer-implemented method for generating an indication of whether a vehicle crash has occurred is presented. It may be determined whether data output by a base sensor(s) of a mobile computing device indicates that a vehicle crash condition has occurred. An additional sensor(s) of the mobile computing device may begin outputting additional sensor data when the data output by the base sensor(s) indicates that the vehicle crash condition has occurred. The additional sensor(s) may be caused to output the additional sensor data for an amount of time after the additional sensor(s) begins outputting the additional sensor data. An indication of whether a crash of a vehicle has occurred may be generated based on the additional sensor data output by the additional sensor(s) for the amount of time after the additional sensor(s) begins outputting the additional sensor data.

Abstract: Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.

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: Methods and systems for processing a blockchain comprising a plurality of immutable sales records corresponding to sales made by agents of an entity are provided. According to certain aspects, a transaction request indicating a sale made by an agent of the entity may be received at a first node. A block including a sales record indicating the sale made by the agent 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 sales record.

Abstract: A computer-implemented method for generating an indication of whether a vehicle crash has occurred is presented. It may be determined whether data output by a base sensor(s) of a mobile computing device indicates that a vehicle crash condition has occurred. An additional sensor(s) of the mobile computing device may begin outputting additional sensor data when the data output by the base sensor(s) indicates that the vehicle crash condition has occurred. The additional sensor(s) may be caused to output the additional sensor data for an amount of time after the additional sensor(s) begins outputting the additional sensor data. An indication of whether a crash of a vehicle has occurred may be generated based on the additional sensor data output by the additional sensor(s) for the amount of time after the additional sensor(s) begins outputting the additional sensor data.

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim such as sending data to a smart contract deployed on the shared ledger. The parties to the subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.

Abstract: Techniques are disclosed to display a dwelling's selling features on a mobile computing device as a user walks through a home. One or more transmitters may be positioned throughout a dwelling. When the mobile computing device is within a threshold range of a transmitter, the mobile computing device may send data identifying the transmitter to back end components. The back end components may correlate the identifying data with selling features associated with that dwelling location. The mobile computing device may receive this information from the one or more back end components and display the selling features. Other methods are also provided to trigger information to be displayed implementing geofences and near field communications (NFC). User feedback may be solicited and stored as part of a user profile, which may be used for marketing, advertising, to calculate homeowners insurance premium or home loan quotes, handle insurance claims, or other suitable purposes.

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant. Evidence regarding the value of the subrogation claim is sent to the shared ledger by entities involved in the claim such as sending to a smart contract deployed on the shared ledger. The parties to the subrogation claim may supplement evidence and settlement proposals on the blockchain by broadcasting a transaction or sending data to the smart contract. Once the claim is resolved, the parties may settle the subrogation payment off-chain or may transact a token having value on the chain. A subrogation smart contract may be programmed to release funds under certain conditions including holding a bond by a claimant and/or upon final resolution of the subrogation claim.