US 10,891,694 B1
Using vehicle mode for subrogation on a distributed ledger
William J. Leise, Normal, IL (US); Douglas A. Graff, Mountain View, MO (US); Anthony McCoy, Normal, IL (US); Jaime Skaggs, Chenoa, IL (US); Shawn M. Call, Bloomington, IL (US); Stacie A. McCullough, Bloomington, IL (US); Wendy H. Clayton, Franklin, TN (US); Melinda Teresa Magerkurth, Utica, IL (US); Kim E. Flesher, Normal, IL (US); and Travis Charles Runge, Heyworth, IL (US)
Assigned to STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US)
Filed by STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US)
Filed on Apr. 19, 2018, as Appl. No. 15/957,243.
Claims priority of provisional application 62/609,611, filed on Dec. 22, 2017.
Claims priority of provisional application 62/555,358, filed on Sep. 7, 2017.
Claims priority of provisional application 62/554,907, filed on Sep. 6, 2017.
Claims priority of provisional application 62/555,030, filed on Sep. 6, 2017.
Int. Cl. G06Q 40/08 (2012.01); G07C 5/00 (2006.01); G07C 5/08 (2006.01); H04L 9/06 (2006.01); G08G 1/01 (2006.01); G06N 20/00 (2019.01)
CPC G06Q 40/08 (2013.01) [G06N 20/00 (2019.01); G07C 5/008 (2013.01); G07C 5/0866 (2013.01); G08G 1/0116 (2013.01); H04L 9/0637 (2013.01); H04L 9/0643 (2013.01); H04L 2209/38 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method of handling an insurance claim via a blockchain maintained by a plurality of nodes connected via a network, the method comprising:
receiving, at one or more processors of a first node of the plurality of nodes, a first transaction broadcast to the blockchain by a vehicle, the first transaction including sensor data including control decision data collected by the vehicle;
verifying, at the one or more processors, that a cryptographic proof-of-identity included in the first transaction indicates that the sensor data was originated by the vehicle;
determining, at the one or more processors, that a vehicle collision involving the vehicle occurred based upon, at least in part, analysis of the sensor data;
determining, at the one or more processors, an operational mode for the vehicle, the operational mode indicative of whom was in control of the vehicle at the time of the vehicle collision, based upon, at least in part, analysis of the sensor data, by determining whether the vehicle, a vehicle system, or a human driver was in control of the vehicle at the time of the vehicle collision;
determining, at the one or more processors, (i) a first percentage of fault for the vehicle collision attributable to the human driver and (ii) a second percentage of fault for the vehicle collision attributable to at least one of the vehicle or the vehicle system, based upon, at least in part, analysis of the sensor data, and the operational mode for the vehicle at the time of the vehicle collision;
generating, at the one or more processors, a second transaction including a cryptographic proof-of-identity of an entity associated with the first node, an indication of the operational mode for the vehicle at the time of the vehicle collision, an indication of the first percentage of fault, and an indication of the second percentage of fault;
broadcasting, by the one or more processors, the second transaction to at least one other node of the plurality of nodes;
receiving, by the one or more processors, an indication that the second transaction is validated by one of the plurality of nodes and is included in a block of the blockchain; and
processing, by the one or more processors, the insurance claim based on the block.