Patent Issued for Systems and methods for analyzing vehicle sensor data via a blockchain (USPTO 11269849): State Farm Mutual Automobile Insurance Company
2022 MAR 24 (NewsRx) -- By a
The patent’s inventors are Alt, Jacob J. (
This patent was filed on
From the background information supplied by the inventors, news correspondents obtained the following quote: “Vehicles undergo a variety of information exchange periods during their lifecycle. Some of these information exchange periods are brought on by accidents, sales, or the eventual destruction of the vehicle. Managing the vehicle life cycle process involves multiple participants exchanging a variety of information. The number of interactions between these parties means the parties have to provide and validate information. Theses interactions often occur between businesses and consumers, or businesses and other businesses. However, using conventional techniques, managing the vehicle life cycle may include several drawbacks.”
Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “The present embodiments may be related to a Blockchain Registry based upon a VIN (Vehicle Identification Number) or other asset identifier, an insured identifier, and/or an insurance-related identifier. A national or other registry of automobile VIN numbers may be commonly accessed and/or updated by organizations, such as auto manufacturers, insurance carriers, financial institutions, fleet owners, banks, body shops, part suppliers, State Departments of Motor Vehicles (DMVs), and/or salvage vendors. The Blockchain Registry, utilizing blockchain technology, may be a single, historical, authoritative source for multiple pieces of information about each vehicle and/or individual that is accessed, tracked, and updated using Vehicle Identification Numbers (VINs) and/or insured identifiers (such as a social security number or an insurance policy number).
“The Blockchain Registry may have various usages, and may allow for the introduction of new capabilities into current processes. Examples of such usage include: (1) validating proof of insurance on a vehicle (available to law enforcement, lienholders, vehicle owners, etc.); (2) tracking vehicle ownership from “cradle to grave,” via seamless title transfers between manufacturers, dealers, consumers, salvage yard, etc.; (3) identifying the current lienholder of a vehicle, and the current lien payoff amount (e.g., for more frictionless processing of payment such as in a total loss situation, or for loan refinancing situations); (4) ensuring lien perfection (e.g., title reflects joint ownership by person and lienholder); (5) reducing fraud by detecting duplicate coverage or duplicate claims for a single vehicle, or detecting buildup or questionable claims; (6) tracking maintenance or repair work that has been, or is to be, performed on a vehicle; (7) when coupled with crash detection, performing first notification of loss to the appropriate insurer; (8) in conjunction with connected car capabilities, limiting the vehicle’s capabilities if the vehicle isn’t registered properly, lacks insurance coverage, or the owner is behind on loan payments; (9) connected license plates, reflecting the current registration status; (10) facilitating Usage-Based Insurance (UBI) or trip-based insurance; (11) recording all OEM features, part numbers, (autonomous or other vehicle) system or software of versions of the vehicle (beyond what can derived from the VIN, make, and model information), i.e., the vehicle build; (12) more accurate insurance rating based upon known security or safety features of a vehicle (which may impact either a human driven vehicle, or a semi-autonomous or autonomous vehicle or technology, or both); (13) more accurate repair cost estimations based upon known vehicle features (which may impact human driving, or vehicle self-driving); and/or (14) facilitating recall notifications in a prompt and reliable manner.
“Potential blockchain participants may include auto manufacturers, insurance carriers, consumers, individual vehicle owners, fleet owners, salvage vendors, auditors, State DMVs, auto dealerships, banks or credit unions, lienholders, body shops, repair facilities, tow truck operations, part supplies, rental companies, and/or law enforcement.
“Potential data elements included in the blockchain and/or each blockchain transaction, block, or update may include vehicle VIN number and/or insured identifiers and one or more additional data elements associated with that particular vehicle and/or insured. The additional data elements may include owner and/or insured information, such as owner type (manufacturer, dealer, consumer, lienholder, etc.); owner ID (EIN, SSN, etc.); owner name; and/or owner contact information (address, phone, email address, etc.). The additional data elements may include insurance carrier information, such as insurer name; insurance policy ID or number; an indication of whether the policy remains in force (Y/N?); effective dates of the policy; expiration date of the insurance coverage; and/or insurance policy coverages, terms, limits, deductibles, conditions, etc.
“The additional data elements may include lienholder information, such as lienholder name; lienholder contact information; whether the loan is in good standing (Y/N?); and/or current payoff amount. The additional data elements may include a license plate number; state of issuance; and whether the vehicle registration with the state DMV is up-to-date. The additional data elements may include an indication of any claims made; including date of first notice of loss; insurance carrier that the claim was filed with; claim open date; claim close date; an amount of the claim; and whether or not the claim was resolved. The additional data elements may include information on maintenance or repair events, including event type; event date; event cost; and/or one or more locations associated with the event (e.g., city and state of event location).”
The claims supplied by the inventors are:
“1. A computer-implemented method of utilizing blockchain technology to maintain a loss history blockchain after vehicle collisions based upon vehicle sensor data, the method comprising: receiving, via one or more processors, an indication of a vehicle being involved a vehicle collision and a vehicle VIN; accessing, at a memory, a loss history blockchain associated with the vehicle using the VIN as a key; receiving, via the one or more processors, vehicle sensor data generated or collected prior to or after the vehicle collision; creating, via the one or more processors, a block to add to the loss history blockchain that includes the vehicle sensor data, or otherwise updating the loss history blockchain with the vehicle sensor data associated with the vehicle collision; analyzing, via the one or more processors, the vehicle sensor data to reconstruct the vehicle collision; and updating, via the one or more processors, the loss history blockchain to include and/or indicate the reconstructed vehicle collision by including the created block.
“2. The computer-implemented method of claim 1, further comprising: forming a consensus among nodes of the loss history blockchain in a communication network prior to updating, at the memory, the loss history blockchain.
“3. The computer-implemented method of claim 1, wherein receiving the vehicle sensor data includes: receiving, from vehicle-mounted sensors mounted on the vehicle, the vehicle sensor data.
“4. The computer-implemented method of claim 1, wherein the vehicle sensor data includes telematics data associated with the vehicle.
“5. The computer-implemented method of claim 1, wherein reconstructing the vehicle collision includes: determining, via the one or more processors, information relating to the vehicle collision including (i) a cause of the vehicle collision, (ii) a likely or estimated complexity of repair, (iii) one or more qualified repair shops, (iv) faulty and working vehicle-mounted sensors, and/or (v) estimate a repair cost.
“6. The computer-implemented method of claim 5, wherein determining the cause of the vehicle collision comprises: assigning, via the one or more processors, fault or lack thereof for the vehicle collision to one or more vehicle operators or autonomous vehicles.
“7. The computer-implemented method of claim 5, wherein updating the loss history blockchain includes: updating, via the one or more processors, the loss history blockchain to include and/or indicate the determined information relating to the vehicle collision.
“8. The computer-implemented method of claim 1, wherein updating the loss history blockchain includes: creating, via the one or more processors, a new block, different than the block that indicates the vehicle sensor data, to add to the loss history blockchain.
“9. The computer-implemented method of claim 1, wherein updating the loss history blockchain includes: updating, via the one or more processors, the block that indicates the vehicle sensor data, to include and/or indicate the reconstructed vehicle collision.
“10. The computer-implemented method of claim 1, further comprising: transmitting, via the one or more processors and/or associated transceivers, the update to the loss history blockchain to other nodes in a communication network.
“11. The computer-implemented method of claim 10, wherein one or more nodes in the communication network are associated with a repair shop, a bank, and/or an insurance provider.
“12. A system for utilizing blockchain technology to maintain a loss history blockchain after vehicle collisions based upon vehicle sensor data, the system comprising: a network interface configured to interface with a processor; a memory configured to store non-transitory computer executable instructions and configured to interface with the processor; and the processor configured to interface with the memory, wherein the processor is configured to execute the non-transitory computer executable instructions to cause the system to: receive an indication of a vehicle being involved a vehicle collision and a vehicle VIN; access a loss history blockchain associated with the vehicle using the VIN as a key; receive vehicle sensor data generated or collected after the vehicle collision; create a block to add to the loss history blockchain that includes the vehicle sensor data; analyze the vehicle sensor data to reconstruct the vehicle collision; and update the loss history blockchain to include the reconstructed vehicle collision by including the created block.
“13. The system of claim 12, wherein the instructions, when executed by the processor, cause the system to: form a consensus among nodes of the loss history blockchain in a communication network prior to updating the loss history blockchain.
“14. The system of claim 12, wherein to receive the vehicle sensor data, the instructions, when executed by the processor, cause the system to: receive, from vehicle-mounted sensors mounted on the vehicle, the vehicle sensor data.
“15. The system of claim 12, wherein to reconstruct the vehicle collision, the instructions, when executed by the processor, cause the system to: determine information relating to the vehicle collision including (i) a cause of the vehicle collision, (ii) a likely or estimated complexity of repair, (iii) one or more qualified repair shops, (iv) faulty and working vehicle-mounted sensors, and/or (v) estimate a repair cost.
“16. The system of claim 15, wherein to determine the cause of the vehicle collision, the instructions, when executed by the processor, cause the system to: assign fault or lack thereof for the vehicle collision to one or more vehicle operators or autonomous vehicles.
“17. The system of claim 15, wherein to update the loss history blockchain, the instructions, when executed by the processor, cause the system to: update the loss history blockchain to include and/or indicate the determined information relating to the vehicle collision.
“18. The system of claim 12, wherein to update the loss history blockchain, the instructions, when executed by the processor, cause the system to: create a new block, different than the block that indicates the vehicle sensor data, to add to the loss history blockchain.
“19. The system of claim 12, wherein to update the loss history blockchain, the instructions, when executed by the processor, cause the system to: update the block that indicates the vehicle sensor data, to include and/or indicate the reconstructed vehicle collision.
“20. The system of claim 12, wherein the instructions, when executed by the processor, cause the system to: transmit the update to the loss history blockchain to other nodes in a communication network.”
For the URL and additional information on this patent, see: Alt, Jacob J. Systems and methods for analyzing vehicle sensor data via a blockchain.
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