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: The present embodiments relate to systems and methods for using a blockchain or shared ledger tracking a vehicle according to a Vehicle Identification Number (VIN) to estimate a vehicle Actual Cash Value (ACV). An ACV of a vehicle may be determined and broadcast in a transaction to the blockchain to update the shared ledger to reflect the ACV value. Alternatively, an ACV may be determined according to information regarding the vehicle already stored on the blockchain. As further changes are made to the status of the vehicle on the blockchain, these changes are searchable according to the vehicle's VIN, and thus revised ACV values of the vehicle may be calculated.

Abstract: Methods and systems maintain a distributed ledger of transactions pertaining to a particular vehicle. The method may include (1) receiving, by one or more processors, vehicle data from one or more remote computing devices; (2) detecting, by the one or more processors, a vehicle-related event from analysis of the vehicle data; (3) identifying, by the one or more processors, a VIN of the vehicle when a vehicle-related event is detected; (4) generating, by the one or more processors, a transaction including (i) the vehicle's VIN, and (ii) describing the vehicle-related event; and (5) transmitting, by the one or more processors, to a server the transaction to facilitate maintaining a VIN-based distributed ledger for the particular vehicle.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing medical records. The medical records may be accessible by medical institutions such as hospitals, and may be controlled by the patient. The patient may, for example, decide which entities can access and/or edit the medical 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: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing vehicle sensor data utilized to develop collision profiles. These collision profiles may be helpful when analyzing a collision to determine conditions that preceded the collision, to determine fault, and/or to determine an extent of damage to one or more vehicles involved in the collision. The sensor data may be collected from any of a number of sensors configured to capture position, orientation, movement, acceleration, driver behavior, etc.

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: 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: 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 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: 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: 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: 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: 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.

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 indication of a vehicle being involved a vehicle collision and a VIN of the vehicle; (2) transmitting the indication of the vehicle being involved in a vehicle collision and the VIN to a plurality of nodes of a loss history blockchain; (3) accessing the loss history blockchain associated with the vehicle using the VIN as a key; (4) creating a new block including the indication of a vehicle being involved in a vehicle collision and/or insurance claim information; 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: 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 methods and systems may include (1) receiving, a vehicle loss notification from at least a first participant, wherein the vehicle loss notification comprises a vehicle identifier (e.g., VIN), a driver identifier (e.g., SSN), insurance claim information, an insurance policy number, and/or a vehicle loss report; (2) accessing, at a memory coupled with a processor, the loss history blockchain using the vehicle identifier and/or the vehicle loss notification; (3) updating, at the memory, a block stored at the memory using the vehicle identifier, the driver identifier, and the insurance claim information, and/or vehicle loss report; and/or (4) transmitting, via the processor coupled with the network interface, the block to at least a second participant to facilitate maintaining up-to-date the loss history blockchain.

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 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, and protocols to maintain security, and reliability. The methods and systems deal with using and accessing asset information on a blockchain network. For example, the methods and systems may receive a request from a user for asset data stored on the blockchain, analyze the request to determine a type of request, access the asset data stored on the blockchain based upon the type of request and a set of request parameters, perform an action involving the asset data based upon the request, and communicate to the user that the action was performed involving the asset data.

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.