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 claim may request arbitration, especially after attempts to settle the claim on-chain between the two parties have failed. An arbitrator may request evidence from the parties and/or request responses from the parties to accept damages calculations and/or settlement offers. Once the claim is resolved, the 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: 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: The following relates generally to AI-based review of insurance claims complaints. In some embodiments, one or more processors: (1) receive, via a chatbot, an insurance claim complaint; (2) categorize, via the chatbot, the insurance claim complaint by determining a category of the insurance claim complaint, the category comprising a tone category or a policy category; (3) build, via the chatbot, a complaint report including information of the insurance claim complaint and an indication of the category; and/or (5) send, via the chatbot, the complaint report to an insurance complaint administrator computing device.

Abstract: Systems and methods for facilitating virtual collaboration between users within virtual environments are disclosed. A plurality of users access a collaborative virtual environment system using interface devices to establish a virtual collaboration session in which users communicate via a bidirectional real-time communication channel and interact within a virtual environment. Annotations or other user interactions within the virtual environment are automatically propagated to each user in the virtual collaboration session in order to facilitate collaboration. Data from such virtual collaboration sessions may be captured for later use.

Abstract: A computer-implemented method of predicting and providing an efficient driving route for an autonomous or semi-autonomous electric vehicle based upon battery health impact includes (i) generating one or more driving routes for the autonomous or semi-autonomous electric vehicle; (ii) predicting a projected battery health impact on a battery of the autonomous or semi-autonomous electric vehicle for each driving route of the one or more driving routes, wherein the projected battery health impact is based at least upon a predicted time of day for travel; (iii) determining one or more recommendations for the autonomous or semi-autonomous electric vehicle for a driving route of the one or more driving routes, the one or more recommendations based upon at least the projected battery health impact for each driving route and a preferred form of operation; and (iv) causing the autonomous or semi-autonomous electric vehicle to automatically drive along the recommended route.

Abstract: A server and non-transitory computer-readable storage medium storing instructions for monitoring one or more batteries of an electric vehicle (EV) comprising computing instructions for (i) receiving, from an electronic device associated with the EV, telematics data generated by one or more sensors associated with the electronic device that is indicative of operation of the EV; (ii) determining a battery status of the one or more batteries based upon the telematics data; and (iii) mapping the battery status of the one more batteries to a digital record corresponding to the EV in a database.

Abstract: The following relates generally to using augmented reality (AR) for inspection of a property. In some examples, underlay layer data may be received (e.g., from a camera of an AR viewer device); and overlay layer data may be received (e.g., from a different camera or other overlay layer device). An AR display may be created by correlating the underlay layer data with the overlay layer data. A property inspection indicia may be identified based upon the correlated overlay layer data.

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 to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract.

Abstract: Methods and systems for alerting a user of accident-prone locations are disclosed herein. In some embodiments, the method comprises: (1) receiving, by one or more processors and from a user device associated with the user, location data and motion data of the user device; (2) determining, by the one or more processors, based upon the motion data, that the user has started a trip; (3) loading, by the one or more processors, an accident density map surrounding a location of the user device based upon the location data; (4) determining, by the one or more processors, based upon the accident density map, at least one accident-prone location within a scope of the accident density map, wherein the at least one accident-prone location meets at least one predetermined criterion; and/or (5) presenting, by the one or more processors via the user device, an indication of the at least one accident-prone location.

Abstract: Computer-implemented methods and systems for curating virtual models and populating overlays within a virtual environment are described herein. A server may receive a data request from a user electronic device. The data request may comprise a property of interest located at a particular portion of an overall region. The server may then dynamically acquire a virtual model for rendering the property within a virtual environment at the user electronic device based on the data request. The server may then curate the virtual model in accordance with rules that emphasize features associated with the property that are relevant to assessing risks associated with the property when assessing the property. The server may then identify the curated property modeled by the virtual model, obtain annotation records associated with the features of the property, and populate an annotations overlay rendered in the virtual environment with information included in the annotation records.

Abstract: Methods, systems, and computer readable media for predictively determining a risk of damage to a property are provided. To determine the risk, a high resolution virtual model of a region that includes the property is obtained. The virtual model is imported into a simulation environment. One or more of the simulation parameters are set based on historic weather data for the region. For example, each parameter may be associated with a probability distribution derived based on the historic weather data that is sampled prior to executing the simulation. One or more simulations are executed in accordance with the sampled inputs to simulate the likely weather patterns the property will experience. The result of the simulation is analyzed to determine the predicted risk of damage to the property.

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.

Abstract: Systems and methods are described for detecting a leak based upon home telematics data. The method may include: (1) receiving home telematics data from one or more sensors associated with one or more pipes (or piping systems) in a structure, wherein the home telematics data is indicative of the frequency with which the one or more pipes are being used; (2) determining, using a trained machine learning algorithm, pipe activity associated with the one or more pipes is occurring at an irregular frequency; (3) determining, based upon at least the determination that the pipe activity associated with the one or more pipes is occurring at the irregular frequency, that the one or more pipes are leaking; and (4) transmitting an indication to a user associated with the home that the one or more pipes are leaking.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing loss histories for individuals and/or assets, such as real estate, homes, and vehicles, and/or for creating and maintaining loss history reports for individuals and/or insurable assets. The loss histories or loss history reports may be individual or insured specific, or may be insurable or insured asset specific.

Abstract: The following relates generally to building a ground truth insurance database. In some embodiments, one or more processors: (1) receive potential insurance database information comprising (i) insurance company application (app) information, (ii) anonymized insurance claim information, (iii) police report information, and/or (iv) auxiliary information; (2) retrieve, from an insurance ground truth insurance database, existing ground truth insurance information by querying the ground truth database based upon the potential insurance database information; (3) determine if the potential insurance database information should be added to the insurance ground truth database by comparing the potential insurance database information to the existing ground truth insurance information; and/or (4) if the potential insurance database information should be added to the insurance ground truth database, add the potential insurance database information to the insurance ground truth database.

Abstract: Systems and methods are described for detecting a leak based upon home telematics data. The method may include: (1) receiving home telematics data associated with a structure; (2) determining, based upon at least the home telematics data and a temperature associated with the structure, that a threshold likelihood of bursting is met for one or more pipes; (3) determining one or more mitigating actions to implement responsive to the threshold likelihood of bursting being met for the one or more pipes; and (4) causing the one or more mitigating actions to be implemented.

Abstract: A computer-implemented method of monitoring one or more batteries of an electric vehicle (EV) includes (i) detecting an indication of a battery failure event for an electric vehicle; (ii) determining a response to the battery failure event based upon the indication; (iii) determining, based upon the battery failure event, an assistance location for the electric vehicle; (iv) generating a route from a location of an autonomous vehicle to the assistance location for the electric vehicle; and (v) transmitting a command to the autonomous vehicle to drive to the assistance location for the electric vehicle, wherein the command includes the response to the battery failure event and the route from the location of the autonomous vehicle to the assistance location.

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: The following relates generally to AI-based review of insurance claims complaints. In some embodiments, one or more processors: (1) receive, via a chatbot, an insurance claim complaint; (2) categorize, via the chatbot, the insurance claim complaint by determining a category of the insurance claim complaint, the category comprising a tone category or a policy category; (3) build, via the chatbot, a complaint report including information of the insurance claim complaint and an indication of the category; and/or (5) send, via the chatbot, the complaint report to an insurance complaint administrator computing device.

Abstract: A computer-implemented method of predicting and providing an efficient driving route for an electric vehicle (EV) based upon battery health impact includes (i) receiving geographical telematics data; (ii) generating one or more driving routes for the electric vehicle based upon at least the geographical telematics data; (iii) predicting a projected battery health impact on a battery of the electric vehicle for each driving route of the one or more driving routes, wherein the projected battery health impact for each driving route is based at least upon geographical characteristics of the driving route; (iv) determining one or more battery-efficient driving route recommendations based upon at least the projected battery health impact for each driving route; and/or (v) providing the one or more battery-efficient driving route recommendations to a user.