Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users via smart contracts to handle account funding and distribution methods. The methods and systems include receiving a transaction from a participant, and verifying the transaction, such as by accessing a smart contract stored on the blockchain and checking a set of parameters against a set of conditions stored in the smart contract. Depending on whether the set of parameters satisfy the conditions, the results may be communicated to participants about the success or failure of the transaction.

Abstract: Systems and methods are disclosed for interacting with smart contracts stored on a blockchain to control vehicle related activity. The systems and methods may include (1) receiving one or more transactions from one or more computing devices, the transactions associated with a particular vehicle and include a VIN for the vehicle and indicative of at least one of a trigger condition associated with the vehicle; (2) compiling the one or more transactions into a block of transactions; (3) distributing the block to a plurality of validation entities to form a consensus on an update to the distributed ledger; (4) routing the one or more transactions within the block to respective smart contracts associated with the VIN; and/or (5) automatically executing an action the particular smart contract directs should be performed in response to the particular trigger condition.

Abstract: Systems and methods track a vehicle identifier or VIN on a blockchain maintained by a plurality of participants. One method may include (1) receiving, at a processor, a notification of a vehicle loss report from a first participant; (2) storing, at a memory coupled with the processor, the vehicle loss report on the blockchain; (3) generating, at the processor, a coverage amount based upon the vehicle loss report; (4) generating, at the processor, an order based upon the notification, wherein the order includes a repair assignment and a replacement vehicle request; (5) storing, at the memory, the repair assignment on the blockchain; (6) transmitting, at the processor, the order to at least a second participant; (7) receiving, at the processor, a repair estimate from the second participant; and/or (8) transmitting, at the processor, the repair estimate and the coverage amount to the first participant to facilitate maintaining a blockchain up-to-date.

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 for interacting with smart contracts stored on a blockchain to control vehicle related activity. The systems and methods may include (1) receiving one or more transactions from one or more computing devices, the transactions associated with a particular vehicle and include a VIN for the vehicle and indicative of at least one of a trigger condition associated with the vehicle; (2) compiling the one or more transactions into a block of transactions; (3) distributing the block to a plurality of validation entities to form a consensus on an update to the distributed ledger; (4) routing the one or more transactions within the block to respective smart contracts associated with the VIN; and/or (5) automatically executing an action the particular smart contract directs should be performed in response to the particular trigger condition.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for facilitating carrier discovery. More specifically, the distributed ledger may be utilized to track insured individuals, their insurance policies, the insurance companies holding each of their policies, etc. This may be useful for facilitating exchange of insurance information between drivers after an automobile accident when drivers want to exchange insurance information and/or verify that the other is insured, facilitating subrogation (e.g., when an insurance company pays for an first insured party's losses but subsequently pursues reimbursement from an insurance company of a second at-fault party), and/or facilitating a determination of whether a driver has excess liability coverage.

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 detect a need to recalibrate one or more sensors. A baseline frequency may be determined at which a safety feature is expected to be triggered based upon data accessed at a blockchain. The baseline frequency maybe compared to a current frequency to identify a need that one or more sensors should be recalibrated. 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: Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication. The plurality of devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may detect an insurance-related event and may retrieve sensor data and pricing information from one or more of the devices. The central controller may assess damage to the devices and may generate a proposed insurance claim based upon damage to the identified devices. Additionally, the central controller may facilitate a processing of the proposed insurance claim with a customer and an insurance provider. The smart devices may be, or be attached to, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.

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: The present embodiments relate to systems and methods for using a blockchain or shared ledger to record information regarding a vehicle identified by a Vehicle Identification Number (VIN), or other vehicle identifier. The blockchain may be used to handle vehicles after vehicle collisions based upon sensor data regarding the collision and the vehicle stored on-chain. An indication that a vehicle has been involved in a collision is received including sensor data collected at substantially the time of the vehicle collision. A transaction is broadcast to the blockchain to reflect the sensor data of the vehicle. Since the chain is searchable by VIN, any future searches for the vehicle by VIN include the sensor data collected substantially at the time of the collision.

Abstract: A method for generating data regarding a vehicle crash includes receiving initial sensor data, determining that the initial sensor data includes sensor data indicating a crash has occurred, receiving additional sensor data; and generating combined sensor data. A computing device for generating data regarding a vehicle crash includes a processor and a memory including instructions that when executed cause the processor to receive initial sensor data, determine that the initial sensor data includes sensor data indicating that a crash has occurred, receive additional sensor data; and generate combined sensor data. A computer readable storage medium includes non-transitory computer readable instructions stored thereon for generating data regarding a crash, wherein the instructions when executed cause a processor to receive initial sensor data; receive additional sensor data, determine that the initial sensor data includes sensor data indicating that a crash has occurred; and generate combined sensor data.

Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle accident, in particular, utilizing a vehicle's mode of operation as part of the subrogation process. An exemplary embodiment includes receiving sensor data; determining that a vehicle collision occurred based upon, at least in part, analysis of the sensor data, such as image, audio, telematics, or autonomous vehicle system data; determining an operational mode for the vehicle based upon, at least in part, analysis of the sensor data, and the operational mode at the time of the accident; determining a percentage of fault for a driver or autonomous or semi-autonomous vehicle system, or lack thereof, based upon the sensor data, and whom or which autonomous or semi-autonomous vehicle system was in control of the vehicle at the time of the vehicle collision.

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 methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users via smart contracts to handle account funding and distribution methods. The methods and systems include receiving a transaction from a participant, and verifying the transaction, such as by accessing a smart contract stored on the blockchain and checking a set of parameters against a set of conditions stored in the smart contract. Depending on whether the set of parameters satisfy the conditions, the results may be communicated to participants about the success or failure of the transaction.

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: The present embodiments relate to systems and methods for using a blockchain or shared ledger to record information regarding a vehicle identified by a Vehicle Identification Number (VIN), or other vehicle identifier. The blockchain may be used to handle vehicles after vehicle collisions based upon sensor data regarding the collision and the vehicle stored on-chain. An indication that a vehicle has been involved in a collision is received including sensor data collected at substantially the time of the vehicle collision. A transaction is broadcast to the blockchain to reflect the sensor data of the vehicle. Since the chain is searchable by VIN, any future searches for the vehicle by VIN include the sensor data collected substantially at the time of the collision.

Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users via smart contracts to handle account funding and distribution methods. The methods and systems include receiving a transaction from a participant, and verifying the transaction, such as by accessing a smart contract stored on the blockchain and checking a set of parameters against a set of conditions stored in the smart contract. Depending on whether the set of parameters satisfy the conditions, the results may be communicated to participants about the success or failure of the transaction.

Abstract: A computer-implemented method for generating data regarding a vehicle crash is presented. Initial sensor data output by a sensor(s) of a mobile computing device may be received. It may be determined whether the initial sensor data includes sensor data indicating that a crash of a vehicle has occurred. Additional sensor data output by the sensor(s) of the mobile computing device may be received when it is determined that the initial sensor data includes sensor data indicating the crash has occurred. The additional sensor data may be received for a first amount of time after it is determined that the initial sensor data includes sensor data indicating the crash has occurred. Combined sensor data may be generated based on the initial sensor data and the additional sensor data, where the combined sensor data may include sensor data corresponding to time before the crash and corresponding to time after the crash.

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 ensure the transferability of title, including when information relevant to transferability is not easily determinable, such as after a collision occurs. The systems and methods may include the reception of a mileage report corresponding to a vehicle and updating a blockchain to associate the vehicle with mileage information. 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 allow for a distributed consensus amongst businesses, consumers, and authorities, as to the validity of information and transactions stored on the blockchain.

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.