Distributed ledger system for automated claim adjudication

One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a first network node on a distributed ledger system, cause the first network node to:

• detect a triggering condition for real-time processing of a claim, wherein the triggering condition includes automatically detecting a proximity of end user equipment associated with a user and a premises of a service provider;
• collect user information associated with the user and broker information associated with a broker for processing the claim via a smart contract, wherein the user information and broker information are collected by the service provider;
• convert the user information and the broker information from a first computer-readable format to a second computer-readable format to yield converted information, wherein the first computer-readable format is not compatible with the smart contract, and the second computer-readable format is compatible with the smart contract;
• validate the converted information based on corresponding digital signatures associated with the converted information to yield validated information, wherein the corresponding digital signatures are generated using a cryptographic key known to each node of a blockchain associated with the user, the service provider, and the broker;
• generate claim state objects based on the validated information, the claim state objects being used by each node of the distributed ledger system to execute a smart contract for processing the claim;
• receive one or more updated claim state objects from a second network node associated with the broker reflecting updated processing status of the claim, the one or more updated claim state objects being used by each node of the distributed ledger system to execute the smart contract for processing the claim;
• perform a distributed verification of the smart contract execution, wherein the distributed verification is performed by separately by the first network node, the second network node, and the end user equipment;
• and
• process the claim based on results of execution of the smart contract using the one or more updated claim state objects.

A method of automated of automated adjudication of claims on a distributed ledger system, the method comprising:

• detecting, at a first network node of the distributed ledger system, a triggering condition for real-time processing of a claim, wherein the triggering condition includes automatically detecting a proximity of end user equipment associated with a user and a premises of a service provider;
• collecting information associated with the user and broker information associated with a broker for processing the claim via a smart contract, wherein the user information and broker information are collected by the service provider;
• converting the user information and the broker information from a first computer-readable format to a second computer-readable format to yield converted information, wherein the first computer-readable format is not compatible with the smart contract, and the second computer-readable format is compatible with the smart contract;
• validating the converted information based on corresponding digital signatures associated with the converted information to yield validated information, wherein the corresponding digital signatures are generated using a cryptographic key known to each node of a blockchain associated with the user, the service provider, and the broker;
• generating claim state objects based on the validated information, the claim state objects being used by each node of the distributed ledger system to execute a smart contract for processing the claim;
• receiving one or more updated claim state objects from a second network node associated with the broker reflecting updated processing status of the claim, the one or more updated claim state objects being used by each node of the distributed ledger system to execute the smart contract for processing the claim;
• performing a distributed verification of the smart contract execution, wherein the distributed verification is performed by separately by the first network node, the second network node, and the end user equipment;
• and
• processing the claim based on results of execution of the smart contract using the one or more updated claim state objects.