State Farm Mutual Automobile Insurance Company

United Services Automobile Association (usaa)

Dustin Helland

Bharat Prasad

Sharon Kay Haverlah

Nolan White

William Guthrie

Karen Marie Shackelford-George

Edward Austin

Ryan Maurer

Kyle D Weber

Sharon Gibson

Phillip Michael Wilkowski

Daniel Wilson

Jason Goldfarb

Arsh Singh

Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.

Net settlement of subrogation claims using a distributed ledger

Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a first property; (2) determining, using a trained machine learning evaluation model, one or more home score factors based upon at least the home data; (3) generating, based upon the one or more home score factors, a home score for the first property; (4) retrieving past hazard data associated with a second property; and (5) generating based upon at least the past hazard data, a home modification recommendation.

Systems and methods for generating a home score and modifications for a user

Growing community of inventors

Morton, IL, United States of America

Dustin Helland