# US 12,007,240 B1 · Blockchain rideshare data aggregator solution

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- Number: US 12,007,240 B1
- Document ID: US12007240B1
- Status: Granted
- Kind: B1
- Application number: 17/707,405
- Filed: 2022-03-29
- Granted: 2024-06-11
- Earliest claimed: 2022-03-03
- Assignees: State Farm Mutual Automobile Insurance Company
- Applicants: State Farm Mutual Automobile Insurance Company
- Inventors: Justin Davis; Ryan Gammelgard
- Web page: https://patentgrep.com/patent/US12007240B1

## CPC

- G01C 21/3438: {Rendezvous; Ride sharing}
- G01C 21/3484: {Personalized, e.g. from learned user behaviour or user-defined profiles}
- G01C 21/3492: {employing speed data or traffic data, e.g. real-time or historical (traffic control systems for road vehicles involving transmission of navigation instructions to the vehicle G08G1/0968)}
- G06Q 10/0631: Resource planning, allocation, distributing or scheduling for enterprises or organisations
- G06Q 10/0635: Risk analysis of enterprise or organisation activities
- G06Q 50/47: Passenger ride requests, e.g. ride-hailing
- H04L 9/3236: {using cryptographic hash functions}
- H04L 9/3297: {involving time stamps, e.g. generation of time stamps}
- H04L 9/38: Encryption being effected by mechanical apparatus, e.g. rotating cams, switches, keytape punchers
- H04L 9/50: {using hash chains, e.g. blockchains or hash trees}
- H04L 2209/84: Vehicles
- G01C: MEASURING DISTANCES, LEVELS OR BEARINGS; SURVEYING; NAVIGATION; GYROSCOPIC INSTRUMENTS; PHOTOGRAMMETRY OR VIDEOGRAMMETRY (measuring liquid level G01F; radio navigation, determining distance or velocity by use of propagation effects, e.g. Doppler effects, propagation time, of radio waves, analogous arrangements using other waves G01S)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

Systems and methods are described for generating transactions based upon rideshare data and updating a distributed ledger. The method may include (1) monitoring a distributed ledger for an indication of an accident, the indication of the accident identifying at least a user and a time period; (2) obtaining rideshare data from the distributed ledger, wherein the rideshare data: identifies one or more rideshare companies for which the user offered driving services during the time period, and identifies a phase of a rideshare trip for each rideshare company of the one or more rideshare companies during the time period; (3) obtaining accident data from one or more sensors; and (4) verifying, based upon the rideshare data and the accident data, a controlling party, wherein the controlling party is one of the user or one of the one or more rideshare companies.

## Claims

### Claim 1

A computer-implemented method for verifying and generating a settlement quote for an accident using aggregated rideshare data stored on a distributed ledger maintained by a plurality of participants, the method comprising:
monitoring, by one or more processors, a distributed ledger for an indication of an accident, the indication of the accident identifying at least a user and a time period;
obtaining, by the one or more processors, rideshare data from the distributed ledger, wherein the rideshare data:
identifies one or more rideshare companies for which the user offered driving services during the time period, and
identifies a phase of a rideshare trip for each rideshare company of the one or more rideshare companies during the time period;
obtaining, by the one or more processors, accident data from one or more sensors, wherein the accident data is indicative of damage associated with the accident; and
verifying, by the one or more processors and based upon the rideshare data and the accident data, a controlling party, wherein the controlling party is one of the user or one of the one or more rideshare companies.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, wherein obtaining the accident data further comprises:
transmitting an indication to a computing device of the user to prompt the user to take image data of the accident; and
receiving image data of the accident.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, wherein the phase is one of: (i) a passenger transportation phase, (ii) a passenger pickup phase, (iii) a passenger search phase, or (iv) a resting phase.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, wherein the driving services include item delivery services for at least one rideshare company of the one or more rideshare companies.

### Claim 5 (depends on 4)

The computer-implemented method of claim 4, wherein the phase is one of: (i) a delivery transportation phase, (ii) a delivery pickup phase, (iii) a delivery searching phase, or (iv) a resting phase.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, further comprising:
generating, responsive to the verification, a settlement quote for the accident based upon the rideshare data and the accident data.

### Claim 7 (depends on 6)

The computer-implemented method of claim 6, wherein the settlement quote is further generated in proportion to the phase of the rideshare trip for each rideshare company.

### Claim 8 (depends on 6)

The computer-implemented method of claim 6, further comprising:
generating a transaction including a representation of the settlement quote, wherein the transaction is stored in the distributed ledger; and
transmitting the transaction to at least one other participant of the plurality of participants maintaining the distributed ledger.

### Claim 9 (depends on 8)

The computer-implemented method of claim 8, further comprising:
adding the transaction to a block of transactions;
solving a cryptographic puzzle based upon the block of transactions;
adding the solution to the cryptographic puzzle to the block of transactions; and
transmitting the block of transactions to at least one other participant in the distributed ledger network.

### Claim 10 (depends on 8)

The computer-implemented method of claim 8, wherein generating the transaction includes generating a transaction including a cryptographic hash value corresponding to the settlement quote, and further comprising:
transmitting the settlement quote to a server computing device that issues a payment based upon the settlement quote.

### Claim 11 (depends on 8)

The computer-implemented method of claim 8, wherein transmitting the transaction includes transmitting the transaction to an address that stores a smart contract on the distributed ledger, wherein the smart contract generates a payment based upon the settlement quote.

### Claim 12

A computing device for verifying and generating a settlement quote for an accident using aggregated rideshare data stored on a distributed ledger maintained by a plurality of participants, the computing device comprising:
one or more processors;
a communication unit; and
a non-transitory computer-readable medium coupled to the one or more processors and the communication unit and storing instructions thereon that, when executed by the one or more processors, cause the computing device to:
monitor a distributed ledger for an indication of an accident, the indication of the accident identifying at least a user and a time period;
obtain rideshare data from the distributed ledger, wherein the rideshare data:
identifies one or more rideshare companies for which the user offered driving services during the time period, and
identifies a phase for each rideshare company of the one or more rideshare companies for a rideshare trip during the time period;
obtain accident data from one or more sensors, wherein the accident data is indicative of damage associated with the accident; and
verify, based upon the rideshare data and the accident data, a controlling party, wherein the controlling party is one of the user or one of the one or more rideshare companies.

### Claim 13 (depends on 12)

The computing device of claim 12, wherein obtaining the accident data further comprises:
transmitting an indication to a computing device of the user to prompt the user to take image data of the accident; and
receiving image data of the accident.

### Claim 14 (depends on 12)

The computing device of claim 12, wherein the phase is one of: (i) a passenger transportation phase, (ii) a passenger pickup phase, (iii) a passenger search phase, or (iv) a resting phase.

### Claim 15 (depends on 12)

The computing device of claim 12, wherein the driving services include item delivery services for at least one rideshare company of the one or more rideshare companies.

### Claim 16 (depends on 15)

The computing device of claim 15, wherein the phase is one of: (i) a delivery transportation phase, (ii) a delivery pickup phase, (iii) a delivery searching phase, or (iv) a resting phase.

### Claim 17 (depends on 12)

The computing device of claim 12, wherein the non-transitory computer-readable medium further stores instructions that, when executed by the one or more processors, cause the computing device to:
generate, responsive to the verification, a settlement quote for the accident based upon the rideshare data and the accident data.

### Claim 18 (depends on 17)

The computing device of claim 17, wherein the settlement quote is further generated in proportion to the phase of the rideshare trip for each rideshare company.

### Claim 19 (depends on 17)

The computing device of claim 17, wherein the non-transitory computer-readable medium further stores instructions that, when executed by the one or more processors, cause the computing device to:
generate a transaction including a representation of the settlement quote, wherein the transaction is stored in the distributed ledger; and
transmit the transaction to at least one other participant of the plurality of participants maintaining the distributed ledger.

### Claim 20 (depends on 19)

The computing device of claim 19, wherein transmitting the transaction includes transmitting the transaction to an address that stores a smart contract on the distributed ledger, wherein the smart contract generates a payment based upon the settlement quote.
