Distributed ledger system for managing smart vehicle data

Patent metadata

Field	Value
Publication number	US-11756128-B2
Application number	US-202117177825-A
Country	US
Kind code	B2
Filing date	Feb 17, 2021
Priority date	May 2, 2017
Publication date	Sep 12, 2023
Grant date	Sep 12, 2023

Abstract

Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing smart vehicle data. The managed data may relate to a detected vehicle event, such as: a motion or position detected by a motion or position sensor as a GPS chip, an accelerometer, a compass, a speedometer, a gyroscope, etc.; braking detected by a braking sensor; turn input detected by a steering wheel sensor; wheel position detected by a wheel sensor; engine temperature detected by a temperature gauge; oil temperature detected by a temperature gauge; a seatbelt status detected by a seatbelt and/or seat sensor; etc.

First claim

What is claimed:

1. A computer-implemented method for tracking changes to statuses of insurance policies or claims pertaining to vehicles, the method comprising:
implementing a plurality of servers, each of the plurality of servers maintaining a copy of a distributed ledger;
detecting a change in a status of an existing insurance policy or claim pertaining to a vehicle;
responding to the detection of the change in the status of the existing insurance policy or claim pertaining to the vehicle, including:
(i) generating, via a first server from the plurality of servers, a transaction record for the distributed ledger including data corresponding to the change in the status;
(ii) generating a hash value representative of at least the transaction record using at least a generated nonce value; and
(iii) storing the transaction record and the hash value to each copy of the distributed ledger at the plurality of servers; and
performing an insurance function based upon the transaction record stored to the distributed ledger.

2. The method of claim 1 , wherein the change in the status represents any one or more of: a generation of a new insurance policy pertaining to the vehicle; a filing of a claim pertaining to the vehicle; an assessment of damage to the vehicle; an estimate of a repair or replacement cost for the vehicle; and a payment to settle the claim.

3. The method of claim 1 , wherein responding to the detection further includes:
performing, via the plurality of servers, a consensus analysis via a consensus mechanism to form a consensus regarding the validity of the transaction record,
wherein storing the transaction record includes storing the transaction record in response to detecting that the consensus has been formed.

4. The method of claim 3 , wherein the consensus mechanism is any one or more of: a proof of activity mechanism, a proof of burn mechanism, a proof of capacity mechanism, or a proof of elapsed time mechanism.

5. The method of claim 1 , wherein the insurance function is a calculation of a premium.

6. The method of claim 1 , wherein the insurance function is an assessment of damage or an estimate of a repair or replacement cost.

7. The method of claim 1 , wherein the data corresponding to the change in the status includes any one or more of the following: an identifier for the active insurance policy covering the vehicle; a description of the active insurance policy; an identifier for an individual holding the active insurance policy; an identifier for an insurance provider providing the active insurance policy; a record of one or more claims filed under the active insurance policy; one or more limits and/or premiums for the active insurance policy; a detected speed of the vehicle; a detected acceleration of the vehicle; a detected position of the vehicle; a detected track of the vehicle; a detected braking by the vehicle; a detected turning of the vehicle; a detected proximate vehicle; a detected lane; a detected environmental condition; a detected road condition; and a detected ambient temperature.

8. The method of claim 1 , wherein the data corresponding to the change in the status includes any one or more of the following: a detected opening or closing of a door of the vehicle; a measured engine temperature; a measured oil temperature; a measured cabin temperature; a seatbelt status; a detected weight on a seat; an image or video of the environment surrounding the vehicle; and an image or video of a cabin of the vehicle.

9. The method of claim 1 , wherein storing the transaction record at the distributed ledger comprises: storing the transaction to a block.

10. The method of claim 9 , wherein the hash value is a hash value for the block, and further wherein generating the hash value for the block includes generating a transaction hash value for the transaction and utilizing the transaction hash value for the transaction to generate the hash value for the block.

11. The method of claim 3 , wherein the consensus mechanism is: the proof of work mechanism, the proof of stake mechanism, or the proof of activity mechanism.

12. The method of claim 3 , wherein the consensus mechanism is: the proof of burn mechanism, the proof of capacity mechanism, or the proof of elapsed time mechanism.

13. A system for tracking changes to statuses of insurance policies or claims pertaining to vehicles, the system comprising:
a plurality of servers, each including one or more processors and maintaining a copy of a distributed ledger for tracking changes in statuses of insurance policies or claims pertaining to vehicles, wherein the plurality of servers includes a first server and one or more other servers;
wherein the first server is configured to respond to a detection of a change in a status of an existing insurance policy or claim pertaining to a vehicle by generating a transaction record for the distributed ledger including data corresponding to the change in the status; and
wherein the plurality of servers are configured to: (i) generate a hash value representative of at least the transaction record using at least a generated nonce value; (ii) store the transaction record generated by the first server and the hash value to each copy of the distributed ledger at the plurality of servers; and (iii) perform an insurance function based upon the transaction record stored to the distributed ledger.

14. The system of claim 13 , wherein the change in the status represents any one or more of: a generation of a new insurance policy pertaining to the vehicle; a filing of a claim pertaining to the vehicle; an assessment of damage to the vehicle; an estimate of a repair or replacement cost for the vehicle; and a payment to settle the claim.

15. The system of claim 13 , wherein the first server is configured to broadcast the transaction record to the one or more other servers;
wherein the plurality of servers are configured to: perform a consensus analysis via a consensus mechanism to form a consensus regarding the validity of the transaction record; and
store the transaction record in response to detecting that the consensus has been formed.

16. The system of claim 15 , wherein the consensus mechanism is any one or more of: a proof of activity mechanism, a proof of burn mechanism, a proof of capacity mechanism, or a proof of elapsed time mechanism.

17. The system of claim 13 , wherein the insurance function is a calculation of a premium.

18. The system of claim 13 , wherein the insurance function is an assessment of damage or an estimate of a repair or replacement cost.

19. The system of claim 13 , wherein the data corresponding to the change in the status includes any one or more of the following: an identifier for the active insurance policy covering the vehicle; a description of the active insurance policy; an identifier for an individual holding the active insurance policy; an identifier for an insurance provider providing the active insurance policy; a record of one or more claims filed under the active insurance policy; one or more limits and/or premiums for the active insurance policy.

20. The system of claim 13 , wherein the data corresponding to the change in the status includes any one or more of the following: a detected speed of the vehicle; a detected acceleration of the vehicle; a detected position of the vehicle; a detected track of the vehicle; a detected braking by the vehicle; a detected turning of the vehicle; a detected proximate vehicle; a detected lane; a detected environmental condition; a detected ro

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Bryant Ronny S
• Mccullough Stacie A
• Hill Mitchell J
• Alt Jacob J
• Skaggs Jaime
• Call Shawn M
• Bellas Eric
• King Vicki
• Magerkurth Melinda Teresa

Classifications

• G06Q40/08 Primary

  Insurance · CPC title

• G06Q40/084 Primary

  by insurance claims processing · CPC title

• G06Q50/163

  Real estate management · CPC title

• G06F16/182

  Distributed file systems · CPC title

• H04L9/32

  including means for verifying the identity or authority of a user of the system {or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials} · CPC title