Life emergency service artificial intelligence assistant system, method and terminal

Abstract

The application relates to the technical field of artificial intelligence, in particular to an artificial intelligence assistant system, method and terminal for human life emergency service, which comprises a protocol configuration module, a state detection module and an emergency response module; the protocol configuration module is used for acquiring and storing authorized protocol data containing trigger conditions, emergency contacts, medical payment authorization and information sharing ranges; the state detection module is used for collecting sensor data in real time and autonomously detecting whether a user is in a behavior-losing state through a multi-level fusion judgment process; the emergency response module is used for automatically executing emergency operations such as alarming a public emergency system, notifying emergency contacts and providing medical expense payment authorization when it is determined that the user is in the state. The application realizes the automatic processing of accident detection, emergency alarm, on-site information collection, medical payment, insurance claim settlement and will execution when the principal is in the behavior-losing state, solves the problems of treatment authorization and expense payment when relatives are not present, and greatly improves the rescue efficiency.

Description

Technical Field

[0001] This invention relates to the field of artificial intelligence technology, and in particular to an artificial intelligence assistant system, method and terminal for emergency services in case of personal accidents. Background Technology

[0002] In daily life, accidents such as traffic accidents, accidental falls, strokes, and sudden cardiovascular and cerebrovascular diseases occur frequently. These accidents are characterized by their suddenness, danger, and timeliness. The golden rescue time is often only a few minutes. If rescue is not initiated in time, it can easily lead to disability or even death of the person involved.

[0003] The existing emergency rescue system has many pain points: First, the initiation of treatment is restricted by the signature of relatives. Due to legal procedures, medical institutions require close relatives to sign for confirmation of core treatment procedures such as hospitalization and surgery. If relatives are out of contact or far away, it will lead to a significant delay in treatment and miss the golden rescue opportunity. Second, the transmission of rescue information is delayed. When the person is unable to take care of themselves, they cannot independently call the police, inform the scene and their personal medical history. Third, there are obstacles to medical expense payment. When close relatives are not present, it is impossible to pay for emergency treatment in a timely manner, creating a vicious cycle of "payment waiting for relatives, treatment waiting for payment". In addition, there is no connection between property disposal and insurance claims. After an accident, the process of reporting an insurance claim and submitting claim materials is cumbersome. For high-risk groups such as elderly people living alone and those traveling alone, it is difficult to be discovered in the first instance after an accident.

[0004] Existing emergency rescue products mostly only have single positioning or alarm functions, and have problems such as high false trigger rate, lack of intelligent judgment, lack of medical payment authorization, lack of insurance collaboration, and insufficient privacy protection. They cannot meet the core needs of "rapid response, comprehensive support, and full protection" after an accident occurs. Summary of the Invention

[0005] In view of this, the purpose of this invention is to propose an artificial intelligence assistant system, method and terminal for emergency services in case of personal accidents, so as to solve the problem that existing technologies cannot enable individuals to exercise their will and complete the entire life cycle of affairs from emergency rescue to property disposal when they lose their capacity for action.

[0006] To achieve the above objectives, the present invention provides an artificial intelligence assistant system for emergency services in case of personal accidents, deployed on a user terminal, comprising: The protocol configuration module is used to acquire and store the user's authorization protocol data, which includes: the triggering conditions when the user loses capacity, emergency contact information, medical payment authorization information, and the information sharing scope for different recipients; The status detection module is used to collect sensor data in real time and, based on the triggering conditions, autonomously detect whether the user is in a state of loss of behavioral capacity through a multi-level fusion judgment process. The multi-level fusion judgment process includes physical anomaly detection based on motion data and / or physiological state assessment based on audio and video data and / or active confirmation based on voice interaction. The emergency response module is used to automatically perform multiple emergency operations based on the authorization agreement data when the status detection module determines that the user is in a state of incapacity. The emergency operations include: sending alarm information containing user identity information and location information to the public emergency system, sending an accident notification to the emergency contact, and providing payment authorization to the medical institution based on the medical payment authorization information.

[0007] Preferably, the multi-level fusion judgment process executed by the state detection module includes: Based on motion sensor data, determine whether an impact or fall event that meets a preset threshold has occurred; After determining that an impact or fall event that meets the preset threshold has occurred, audio and video acquisition is initiated, and the audio data is analyzed to determine whether there are keywords for distress or a weak sound. If a user initiates a proactive inquiry via voice interaction and does not receive a cancellation instruction or a confirmation of distress response within a preset time, the user is ultimately determined to be in a state of incapacity.

[0008] Preferably, the emergency response module includes: The medical payment unit is used to connect to the medical institution's billing system after the user is sent to the medical institution, and to automatically pay for emergency treatment costs within a preset range based on the medical payment authorization information, and record the payment operation.

[0009] Preferably, the emergency response module further includes: The insurance coordination unit is used to automatically send a report to the insurance company based on the user's preset insurance policy information after determining that the user is in a state of incapacity. After the rescue is completed, it collects the on-site information and rescue records as claims materials and submits them to the insurance company.

[0010] When collaborating with insurance companies, the insurance collaboration unit of this system communicates and connects with the insurance company by calling the insurance company or by directly connecting its external data interface to the insurance company's platform system. This enables the connection of relevant information about the insurance policy with the insurance company. Authorization and passwords and keys from both parties are required when connecting.

[0011] Preferably, the emergency response module further includes: The will triggering unit is used to automatically send a notification to the preset executor or heir based on the user's preset will information after determining that the user's life is in danger or confirming the user's death, and to disclose the contents of the will or the location of the will storage.

[0012] Preferably, the authorization protocol data stored in the protocol configuration module also includes a privacy authorization protocol; The system also includes: The access control module is used to differentiate the information content shared with public emergency systems, medical institutions and emergency contacts according to the information sharing scope during the operation of the emergency response module, and to encrypt all information transmission processes.

[0013] Preferably, the protocol configuration module further includes: A wizard-style setup interface is used to guide users to complete the configuration of the authorization agreement data. The configuration content includes at least: emergency contacts and their order, binding bank cards for payment and limits, entering insurance policy information, and confirming the agreement through electronic signature. The configuration method includes any one or more of the following methods: (1) providing a detailed table and collecting information entered by the user through the table; (2) providing device operation reminders and collecting information entered by the user according to the operation instructions; (3) collecting information from a table imported by the user. User electronic signature confirmation can also be achieved by directly connecting to a personal information authentication platform using the system's external interface.

[0014] The present invention also provides a method for providing emergency services for personal accidents based on the above system, comprising: Interact with users to acquire and store authorization agreement data, including trigger conditions, emergency contacts, medical payment authorization, and scope of information sharing; The system collects sensor data in real time and, based on the triggering conditions, autonomously detects whether the user is in a state of incapacity through a multi-level fusion judgment process. In response to determining that the user is in the aforementioned state, multiple emergency operations are automatically executed based on the authorization agreement data; the emergency operations include alerting the public emergency system, notifying emergency contacts, and providing authorization for medical expense payment.

[0015] The present invention also provides a smart terminal having the above-described system deployed thereon, characterized in that it comprises: The retractable camera module is configured to automatically extend from the terminal body and adjust the shooting angle to acquire on-site images in response to the state detection module determining that the user is in a state of incapacity, and automatically retract after completing the shooting task.

[0016] Preferably, the terminal further includes: A deformable mobile mechanism is configured to switch between a stowed state and an unfolded state. In the stowed state, the deformable mobile mechanism fits the outline of the terminal body. In the unfolded state, it constitutes a walking mechanism or a flying mechanism that enables the terminal to move autonomously. An environmental sensing unit, linked with the state detection module, is configured to determine whether the terminal is in a restricted state where it cannot effectively collect on-site environmental information when the state detection module determines that the user is in a state of loss of behavioral capacity. The form control unit is configured to trigger the deformable moving mechanism to switch from a retracted state to an unfolded state when the environmental sensing unit determines that the terminal is in a restricted state, and control the terminal to move autonomously until it leaves the restricted state, so as to effectively collect on-site information.

[0017] The beneficial effects of this invention are: 1. This invention can break through time limitations and automatically initiate rescue within the "golden few minutes" when the person loses the ability to take care of themselves, reducing the rescue waiting time from hours to minutes; solving the predicament of being alone in danger, so that high-risk groups such as elderly people living alone and travelers traveling alone are no longer isolated and helpless.

[0018] 2. This invention achieves accurate detection of accidents and reduces false triggering rate by integrating multi-source data such as acceleration detection, posture recognition, and voice analysis through multi-dimensional intelligent judgment; it also enables automated multi-level emergency response, completing a series of operations such as alarm, notification to relatives and friends, information transmission, payment, and insurance reporting without manual intervention.

[0019] 3. This invention can directly provide the police and medical institutions with key information such as the identity, medical history, location, and on-site situation of the parties involved, avoiding information transmission delays; through the pre-authorized medical expense payment mechanism, it completely solves the problem of delayed treatment due to cost issues.

[0020] 4. This invention can alleviate the concerns of family members, reduce social rescue costs, build an emergency rescue network that is collaborative between individuals and society, and promote the informatization and intelligent upgrading of smart city safety management. Attached Figure Description

[0021] To more clearly illustrate the technical solutions in this invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only for this invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0022] Figure 1 This is a schematic diagram illustrating the setup process of the AI ​​assistant for emergency life services according to an embodiment of the present invention. Figure 2This is a schematic diagram of the workflow of the AI ​​assistant for emergency life services according to an embodiment of the present invention; Figure 3 This is a schematic diagram of a foldable camera according to an embodiment of the present invention; Figure 4 This is a schematic diagram of a retractable camera according to an embodiment of the present invention; Figure 5 This is a schematic diagram of the crawling state of the deformable moving mechanism according to an embodiment of the present invention; Figure 6 This is a schematic diagram of the flight state of the deformable moving mechanism according to an embodiment of the present invention. Detailed Implementation

[0023] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to specific embodiments.

[0024] It should be noted that, unless otherwise defined, the technical or scientific terms used in this invention should have the ordinary meaning understood by one of ordinary skill in the art to which this invention pertains. The terms "first," "second," and similar terms used in this invention do not indicate any order, quantity, or importance, but are merely used to distinguish different components. Terms such as "comprising" or "including" mean that the element or object preceding the word encompasses the elements or objects listed following the word and their equivalents, without excluding other elements or objects. Terms such as "connected" or "linked" are not limited to physical or mechanical connections, but can include electrical connections, whether direct or indirect. Terms such as "upper," "lower," "left," and "right" are used only to indicate relative positional relationships; when the absolute position of the described object changes, the relative positional relationship may also change accordingly. Example

[0025] This embodiment provides an artificial intelligence assistant system for emergency services related to personal accidents, the core workflow of which is as follows: Figures 1-2 As shown, this system can be installed as an app on smart devices such as mobile phones, computers, tablets, and smartwatches. The system's hardware relies on existing components of smart devices, specifically including the following parts: The central processing unit (CPU) handles the system's information processing tasks, runs AI judgment algorithms, executes automated response commands, and coordinates the collaborative work of various modules. The memory stores basic user information, authorization agreements, real-time location data, on-site photos, audio and video recordings of the rescue and medical transport process, rescue logs, and encrypted data. The microphone is used for detecting when an injured person falls, recognizing weak voices, identifying keywords for help, conducting AI dialogue tests, recording on-site audio, and collecting environmental sounds. The speaker plays inquiry prompts when the AI ​​initiates a voice dialogue and plays rescue prompts when needed. The camera captures on-site photos, panoramic shots, and records video; if the device supports night vision or infrared supplementary shooting, this function can also be enabled. The communication module enables 4G or 5G network communication, WiFi connectivity, Bluetooth transmission, and optional satellite communication, allowing for automatic dialing alarms, information transmission, and notifications to family and friends. The positioning module supports GPS, BeiDou, base station positioning, and Wi-Fi hotspot-assisted positioning, achieving accurate positioning with an error of no more than 5 meters. MEMS accelerometers are used to detect impacts, vibrations, and equipment attitude, determining states such as falling over or abnormal movement. Gyroscopes are used to assist in attitude determination, confirming whether the equipment is in an abnormal state such as falling over or flipping over. If the equipment supports it, biosensors can also be equipped to monitor physiological data such as heart rate, blood pressure, respiratory rate, and body temperature, assisting in assessing the physiological state of the person involved.

[0026] The core of the system includes a protocol configuration module, a status detection module, an emergency response module, and an access control module.

[0027] The protocol configuration module is used to interact with users, obtain and store users' authorization protocol data. When users use this system for the first time, they need to complete the following setup process: The first step is user registration and identity verification. Users register an account using their mobile phone number or email address, complete real-name authentication, upload photos of the front and back of their ID card, and undergo liveness detection and binding to ensure that the registrant matches the ID card information, achieving unique identity binding. Simultaneously, the smart terminal used for binding is supported, with multiple devices supported and a primary and backup device can be set.

[0028] The second step involves signing the core entrustment agreement, namely the emergency first-aid entrustment agreement. This agreement includes the entrustor's information, specifically personal identification information and basic medical information such as blood type, allergy history, and past medical history. The agreement clearly defines the entrusted artificial intelligence services, namely the AI ​​assistant's emergency assistance agency authority. The emergency authorization clauses include emergency initiation authority and information disclosure authorization. The emergency initiation authority authorizes the AI ​​assistant to automatically initiate the emergency procedure in situations such as detecting a severe impact reaching a threshold, prolonged collapse exceeding a preset time, recognition of distress voice calls, abnormal heart rate monitoring, or prolonged unresponsiveness. The information disclosure authorization specifies the scope of information authorized to be transmitted to the police or emergency center, medical institutions, and emergency contacts. The medical payment authorization section includes emergency payment authority, payment scope limitations, single payment limits, monthly cumulative payment limits, authorized banks and accounts. The payment scope is strictly limited to emergency treatment-related expenses, and subsequent expenses require secondary confirmation. The agreement also clarifies the entrustor's rights and obligations, the AI ​​assistant's responsibilities, special agreements such as accidental trigger handling mechanisms and legal liabilities, and agreement management clauses.

[0029] The third step is to sign a privacy protection agreement. This agreement clearly defines the scope of basic information collection, including basic personal information, medical information, and payment authorization information, and stipulates that sensitive data such as real-time location, audio, and video will not be collected except in emergency situations. The agreement establishes a three-tier authorization mechanism: the basic protection mode only collects device status data and does not involve the transmission of any personal information; the emergency warning mode initiates audio and video collection and location information preparation, but does not transmit it to any third party; the emergency rescue mode only transmits information within the agreed scope to certified police, medical institutions, and emergency contacts. The information sharing recipients and access levels are as follows: public security organs can only see identity information, location, and on-site photos; medical institutions can only see medical-related authorized information; and emergency contacts can only see an overview of the incident, rescue progress, and hospital location. The agreement guarantees users' right to know, generates a monthly data usage report, and provides a complete log of rescue events. The agreement is implemented using a combination of automated execution and manual supervision, and clearly defines legal responsibilities and protection clauses.

[0030] Step four: Emergency contact configuration. Users add three to five primary contacts, including spouses, parents, and children, entering their names, relationships, and contact numbers. They also set the notification order and select receiving preferences: phone calls, SMS, or app push notifications. Simultaneously, users set up backup contacts, including doctors, community workers, colleagues, and neighbors, entering their basic information. The system defaults to public emergency numbers such as 110, 120, and 119 based on the user's country or region; users can also modify these settings.

[0031] Step 5: Medical Information Configuration. Users enter information such as blood type, allergy history, past medical history, surgical history, and current medications. Uploading photos of medical records is supported. Medical treatment preferences include decisions regarding blood transfusions, surgery, and organ transplants. Medical payment configuration involves linking at least one basic treatment bank card, with a recommended limit of 1,000 to 10,000 yuan. A backup bank card with a larger limit can be linked, used only when the basic card's funds are insufficient. Payment passwords are stored in encrypted form.

[0032] Step 6: Insurance Company and Policy Configuration. Users enter information about purchased accident insurance, medical insurance, life insurance, and other insurance policies. Original policy photos can be uploaded, and the system automatically identifies the insurance company, policy number, coverage, and payout limits. The intelligent policy sorting function automatically sorts policies based on factors such as urgency, frequency of use, and payout speed; users can also customize the sorting. Claims Assistance: Authorize the AI ​​assistant to automatically report incidents to the insurance company, submit claim documents, and coordinate the claims process in the event of an accident.

[0033] Step 7: Privacy and Trigger Parameter Configuration. Users can choose the range of information to provide to the police, hospitals, and families, and can hide unnecessary information. Trigger sensitivity adjustment includes adjusting the impact detection intensity threshold, the fall judgment time window, and the AI ​​voice response waiting time to adapt to different usage scenarios. Audio and video capture settings allow users to choose whether to enable night vision or infrared capture, whether to record full audio and video, and whether to enable blockchain evidence storage.

[0034] Step 8: Functional Testing and Verification. After completing the configuration, users perform simulation tests, including simulating an accident within the app, triggering a rescue process, and testing AI judgment, alarm, and information transmission functions. Confirm that the primary and backup contacts can normally receive simulated alarm calls, SMS messages, and data packets. Test the normal operation of core modules such as location tracking, photo taking, audio recording, and payment authorization. Test the functionality of the cancel button in case of accidental triggering to ensure the process can be quickly terminated.

[0035] Step 9: Regular Maintenance and Updates. The system is configured with regular maintenance reminders. Emergency contact information, medical information, bank card information, and insurance policy information are checked and updated quarterly to ensure information validity. Trigger sensitivity, payment limits, and other parameters are adjusted based on changes in user scenarios. The app version is updated promptly to fix vulnerabilities and add new features. A simulated accident test is conducted every six months to ensure normal system functionality.

[0036] The above settings can be achieved through a wizard-style setup interface.

[0037] User electronic signature confirmation can also be achieved by directly connecting to personal information authentication platforms such as "Guangdong Provincial Affairs" and "Alipay" through the external interface of this AI life-saving artificial intelligence assistant.

[0038] The input methods for the protocol configuration module are: (1) This AI life-saving artificial intelligence assistant provides a detailed table, and the user enters the relevant information himself / herself; (2) This AI life-saving artificial intelligence assistant provides device operation reminders, and the user enters the information according to the operation instructions. A wizard-style setting interface is used to guide the user to complete the configuration of the authorization protocol data. The configuration content includes at least: emergency contacts and their order, binding bank cards for payment and limits, entering insurance policy information, and confirming the agreement through electronic signature.

[0039] (3) The external interface of this AI life-saving artificial intelligence assistant is directly connected to personal information authentication platforms such as "Guangdong Provincial Affairs" and "Alipay" for authentication.

[0040] This AI-powered life-saving artificial intelligence assistant can directly connect to medical records and examination reports via its external interface.

[0041] After completing the above settings, the system enters real-time monitoring mode.

[0042] The status detection module collects sensor data in real time and, based on the triggering conditions set in the licensing agreement, autonomously detects whether the user is in a state of incapacity through a multi-level fusion judgment process.

[0043] The first level of detection is physical anomaly perception. Based on motion sensor data, it determines whether an impact or fall event that meets a preset threshold has occurred. Specifically, this includes impact detection, i.e., determining whether the impact intensity reaches the threshold; fall judgment, i.e. determining whether the device has been in a fallen state for an extended period of time; and abnormal shaking recognition, i.e. excluding normal daily movements and identifying sudden abnormal movements.

[0044] The second level of detection is a physiological state assessment. After the first level of detection is triggered, the system starts audio and video acquisition, analyzing the audio data to detect the presence of distress keywords such as "help," "alarm," or "I can't go on," or to detect whether the sound is weak. Based on the video data analysis, the system determines whether the person has not performed any normal device operation within a preset time.

[0045] The third level of detection is intelligent dialogue verification. After the second level of detection determines an anomaly, the system initiates a proactive voice inquiry via speaker, such as, "Have you had an accident? Please respond 'no' within ten seconds to cancel. No response will initiate emergency rescue." If no cancellation instruction or confirmation of distress is received from the user within a preset time, the system ultimately determines that the user is incapacitated.

[0046] When the status detection module determines that a user is in a state of incapacity, the emergency response module automatically executes multiple emergency operations based on the authorization agreement data.

[0047] The emergency call unit automatically executes emergency call procedures according to priority. The first priority automatically dials 110 or 120, or the local emergency number, using voice conversion to inform the police of the user's identity information and precise location, maintaining a continuous call line and recording the call. After the police provide identity verification information, the system pushes detailed user information, real-time location, on-site photos, and preset basic medical information to them. The second priority dials the main emergency contacts in a preset order, dialing each contact three times; if no one answers, it automatically switches to the next, sending an SMS or app push containing an accident information package to all main contacts. The third priority, if none of the main contacts answer, automatically selects the nearest auxiliary contact based on the accident scene location to notify, such as neighbors, community workers, or nearby colleagues.

[0048] Upon confirming an emergency, the on-site information collection unit simultaneously initiates multi-dimensional information collection. Location information collection includes precise GPS or BeiDou positioning to obtain latitude and longitude coordinates and detailed addresses, identify surrounding landmarks, generate location description text, and utilize Wi-Fi hotspots and base station positioning to improve positioning accuracy in indoor or remote areas, with real-time positioning refreshed every five seconds. Visual information collection includes capturing multi-angle photos of the scene using cameras, covering the parties involved, the surrounding environment, and hazards. It automatically identifies key areas such as the injured person's condition, vehicle damage, and obstacles for close-up shots, and records 15-30 seconds of dynamic video. If the equipment supports this, night vision or infrared mode is automatically activated at night or in low-light conditions. Audio information collection includes recording environmental sounds, including cries for help, traffic noises, wind and rain sounds, and explosion sounds, with a focus on capturing the parties' voices, breathing sounds, and groans. It automatically identifies and extracts key audio segments such as cries for help and conversations. If the equipment supports this, it can also collect physiological data, including real-time monitoring of heart rate, blood pressure, body temperature, and respiratory rate, identifying abnormal physiological states such as sudden drops in heart rate, sudden increases in blood pressure, and weak breathing, generating physiological data reports to provide diagnostic and treatment references for medical institutions. After data collection, the system uses AI algorithms to intelligently analyze and organize multi-dimensional data, generating standardized accident information packages that are compressed and optimized for rapid transmission. AI-powered intelligent analysis includes: urgency assessment automatically classifying incidents as general or critical, and prioritizing rescue efforts; preliminary injury type identification based on impact intensity, on-site environment, and physiological data, classifying injuries as trauma, stroke, heart disease, traffic accidents, etc.; and rescue suggestion generation, generating optimal first aid plans and precautions based on the injury type.

[0049] The information transmission unit prioritizes and transmits accidental information packets. Emergency-level information includes real-time GPS coordinates, compressed versions of accident photos, a brief accident description, and basic information of the parties involved, transmitted immediately within 0-10 seconds. Important-level information includes high-resolution photos or short videos, detailed geographical location descriptions, medical payment authorization information, and summaries of medical history or allergies, transmitted within 10-30 seconds. Supplementary-level information includes a complete accident timeline, environmental audio recordings, and multi-angle on-site images, transmitted within 30-60 seconds. Information transmission employs multi-channel parallel transmission and fault-tolerance mechanisms, prioritizing 4G or 5G networks. In remote areas, it automatically switches to emergency satellite communication, WiFi hotspots, and base station networks. When there is no network, it uses SMS channels to transmit core location and text information. Critical information is transmitted simultaneously through three different channels, ensuring delivery through at least one channel. The system monitors the signal strength and transmission speed of each channel in real time and automatically selects the optimal transmission path. In the event of a network interruption, all information is automatically encrypted and cached locally, and retransmitted immediately after network recovery. The system automatically retryes transmissions after failures, with retry intervals gradually shortened to ensure rapid delivery. The system pushes differentiated information to different recipients: police receive precise location data, on-site photos, identity information, urgency level rating, and recommended response routes; medical institutions receive basic medical information, payment authorization codes, medical treatment preferences, and estimated arrival times; and emergency contacts receive basic accident details, rescue progress, and hospital location information. All information transmission uses end-to-end AES-256 encryption, with SSL or TLS protocols at the transport layer. A unique decryption key is generated for each rescue and destroyed immediately after use. The system provides transmission status indicators for users and emergency contacts: green indicates successful transmission, yellow indicates transmission in progress, red indicates transmission failure, and blue indicates pending confirmation. After receiving information, police, medical institutions, and emergency contacts automatically obtain a receipt confirming delivery and perform integrity checks on the transmitted information to ensure no data loss or tampering.

[0050] After a user is transported to a medical institution, the medical payment unit connects to the institution's billing system and automatically pays for emergency treatment costs within a preset range based on the medical payment authorization information. Triggering conditions for medical payment include confirmation that an accident has actually occurred and that rescue personnel have transported the individual to a medical institution; verification of the receiving medical institution's qualifications, confirming it as a legitimate hospital or emergency center; payment items being emergency treatment-related costs such as registration, examinations, surgery, and medications; and the payment amount not exceeding the user's preset single-payment limit and monthly cumulative payment limit. The payment process includes qualification verification, payment authorization verification, automatic payment, multi-factor verification for large amounts, payment recording and feedback, and activation of a backup card. If the payment amount approaches or reaches the single-payment limit, the system immediately sends a payment reminder request to the primary emergency contact for confirmation; if there is no response, the authorization is executed. After payment, the system immediately generates a payment record, including payment time, amount, hospital, and payment items, and pushes it to the individual after recovery and emergency contacts, while also synchronizing it to the user's data center. If the primary bank card balance is insufficient or payment fails, the system automatically activates a backup bank card to complete the payment and sends a balance reminder to the emergency contact. Payment is strictly limited to expenses related to emergency treatment. Post-treatment costs such as rehabilitation therapy, non-emergency examinations, and medications require secondary confirmation from the user or their family before payment can be made. All payment transactions are recorded in the operation audit log, which users can check at any time to ensure transparency.

[0051] After determining that a user is incapacitated, the insurance collaboration unit automatically sends a report to the insurance company based on the user's pre-set insurance policy information. After treatment, it collects on-site information and treatment records as claim materials and submits them to the insurance company. The system employs an intelligent insurance policy sorting logic, performing multi-dimensional intelligent sorting of user-entered insurance policies based on accident type and treatment needs, prioritizing the most suitable and fastest-paying insurance company. Sorting dimensions include: urgency priority (first priority for on-site medical expense insurance policies, second priority for hospitalization medical insurance policies, third priority for accidental disability insurance policies, and fourth priority for life insurance policies); usage frequency priority (most frequently used insurance policies such as accidental medical insurance are prioritized, less frequently used policies such as hospitalization allowance insurance are second, and backup policies such as critical illness insurance are last); payment speed priority (fast payment policies such as small-amount medical insurance and accident insurance are prioritized, standard payment policies such as hospitalization medical insurance are second, and complex processes such as life insurance are last); and intelligent dynamic sorting dynamically adjusts the order based on factors such as geographical location (nearest hospital and insurance company), time factors (e.g., emergency at night), hospital type (e.g., designated partner hospitals), and compensation amount (e.g., small-amount fast claims). The claims process includes: automatic reporting, where the system immediately sends an automatic report to the first-priority insurance company after confirming an accident, according to the insurance policy order. This report includes information about the parties involved, the policy number, the time and location of the accident, and the preliminary claim type. Data collection involves the system automatically collecting all necessary documents, including on-site information, rescue records, medical expense payment records, medical institution treatment records, and audio / video evidence. Automatic document submission follows, where the system automatically submits a standardized claims document package to the insurance company after the parties have received emergency treatment, enabling expedited claims processing. The system also integrates with the insurance company's claims system to synchronize claims progress in real time, sending updates to the parties involved and emergency contacts. Finally, family collaboration is provided, where the system promptly reminds families and offers guidance on the claims process if necessary, such as requiring signatures or supplementary documentation.

[0052] Upon determining a user's life is in danger or confirming their death, the will triggering unit automatically sends a notification to the pre-set executor or heirs based on the user's pre-set will information, disclosing the will's contents or storage location. The will setup uses a fixed format with step-by-step reminders and guidance, supporting handwriting or AI facial recognition voiceprint recording to ensure the expression of the individual's true wishes. Preparation before filling out the will includes clarifying the scope of assets such as real estate, vehicles, bank deposits, securities, and insurance rights; determining the order of heirs such as spouse, children, parents, siblings, and grandparents; and considering special arrangements such as debt settlement, digital assets, and pet placement. The basic elements of a will include the testator's name, ID number, address, and contact information; a declaration of mental status clearly stating that the testator is of sound mind and that their intentions are genuine; the system can digitally prove the civil capacity of the testator when using the app; a detailed property list listing all assets and their locations; information on heirs including their names, ID numbers, and relationship to the testator; a distribution plan outlining the specific property allocation wishes; designation of the executor including the designated executor and their contact information; and a handwritten signature with the date written on it. Regarding legal validity, the system can be authenticated using mobile phone verification codes, Guangdong Credit Signature, etc. For different forms of wills, such as handwritten wills, wills written by others, and notarized wills, the system provides step-by-step guidance for testators to set them up.

[0053] The full-process evidence storage unit records and timestamps the entire rescue process, including: recording the entire call to 110 or 120, including call time, police information, and communication content; recording the police response and treatment process via camera and microphone, capturing audio and video of police dispatch, on-site treatment by paramedics, and transport to the hospital; recording payment details, including the time, amount, hospital, and payment items for all medical expenses, and preserving payment vouchers; and recording communication with insurance companies, including communication regarding claims documents and progress. All recorded audio and video, as well as generated records, are accurately timestamped to ensure a clear timeline. Key records such as on-site photos, videos, payment records, and treatment records are uploaded to the blockchain evidence storage platform, ensuring data immutability and permanent preservation. All audio and video evidence is stored with end-to-end encryption, accessible only to the parties involved and authorized family members. The stored evidence can serve as valid evidence in police investigations, medical treatment, insurance claims, and legal proceedings, and the system provides a formal evidence report. After the rescue operation is completed, the system can distribute the evidence to the parties involved, emergency contacts, and notary offices as authorized, thus preserving formal evidence.

[0054] After the rescue operation concludes, the system initiates a post-rescue follow-up process. A standardized rescue report is generated for the user, including a timeline of the entire rescue process, information transmission records, payment records, insurance claim progress, and a list of supporting documents. An information usage report is also generated for the user, detailing the personal information collected, transmitted, and used during the rescue process, as well as the recipients of that information, ensuring the user's right to know. The system continuously liaises with the insurance company to assist the user or their family in completing the remaining claims process until payment is received. Sensitive data generated during the rescue process is organized, and data that does not need to be retained is destroyed according to the privacy protection agreement; data that needs to be retained is sealed and stored. The system sends a feedback questionnaire to the user or their family to collect user experience and suggestions for improvement, continuously optimizing system functionality.

[0055] During the emergency response module's operations, the access control module differentiates the information shared with public emergency systems, medical institutions, and emergency contacts based on the information sharing scope stipulated in the authorization agreement, and encrypts all information transmission processes. The system establishes an attribute-based access control policy model, which defines differentiated information access and operation permissions for different types of interaction objects, such as police, doctors, emergency contacts, and insurance companies, based on the authorization agreement data. When the emergency response module interacts with external entities, all transmitted data is end-to-end encrypted with AES-256, and each access request undergoes real-time authentication based on the policy model. Audit logs of all data access and operations are recorded, and key authorization and operation records are uploaded to a blockchain evidence storage platform to generate tamper-proof timestamp proofs. Example

[0056] Based on Embodiment 1, this embodiment provides a smart terminal with the above-mentioned system deployed, and the terminal also includes a retractable camera module.

[0057] The retractable camera module is configured to automatically extend from the main body of the terminal and adjust the shooting angle in response to the state detection module determining that the user is in a state of incapacity, so as to obtain a wider field of view of the scene, and automatically retract after completing the shooting task.

[0058] Retractable camera modules can be implemented using a folding and retracting mechanism, such as... Figure 3As shown, when a violent collision is detected or the user is judged to have fallen, for example, the photoelectric sensor of a smart device such as a watch worn close to the user's body measures changes in the user's heart rate, blood oxygen, and blood flow through the green light on the back to determine if the user has a heartbeat. Alternatively, the accelerometer and gyroscope sensors of the same smart device measure the user's breathing, subtle movements, and other physiological characteristics. The principle is that a living person will have slight tremors and breathing fluctuations, which the sensors will capture. Or, if the user cries for help or makes a painful groan, the external retractable camera on the phone or watch will automatically extend. The automatic extension is for a wider field of view. After automatically extending, the external retractable camera automatically captures real-world footage and can rotate 360 ​​degrees for shooting. After shooting, the retractable camera automatically retracts.

[0059] Retractable camera modules can also be implemented using a stretching and telescopic method, such as... Figure 4 As shown, when a violent collision is detected or it is determined that the owner has fallen, the external retractable camera of the mobile phone or watch will automatically extend to take a 360-degree real-scene shot, and will automatically retract after the shot is taken.

[0060] There are two ways to connect an external retractable camera electrically. The first is a separate signal cable connection, using a dedicated cable to connect the external camera to a smartphone or other smart device. This cable consists of four wires: a 5V power line, a ground wire, an RX signal line, and a TX signal line. The signal cable routing is separate from the telescopic pole wall. The advantage of this connection method is its straight, simple, and intuitive design; the disadvantage is that it is prone to breakage and damage. The second method involves routing the signal cable through the telescopic pole wall. This method uses PCB traces or other processes to connect the external camera's signal cable to the smartphone or other smart device, integrating the signal cable routing with the telescopic pole wall. The advantage of this connection method is its robustness and resistance to breakage; the disadvantage is that the manufacturing process is relatively more complex.

[0061] The camera is housed in a spherical casing, which connects to a retractable or foldable lever. Data cables, signal cables, and ground wires are connected to the phone and camera module via the retractable or foldable lever. The external camera connects to the phone via a USB interface or other phone peripheral communication interface. Example

[0062] Based on Embodiment 1, this embodiment provides an intelligent terminal with the above-mentioned system deployed thereon. The terminal also includes a deformable moving mechanism, an environmental sensing unit, and a shape control unit.

[0063] The deformable mobility mechanism is configured to switch between a stowed state and an unfolded state. In the stowed state, the deformable mobility mechanism fits snugly against the outline of the terminal's main body, making the terminal appear no different from a regular mobile phone. In the unfolded state, the deformable mobility mechanism constitutes a walking or flying mechanism that enables the terminal to move autonomously.

[0064] The environmental sensing unit works in conjunction with the state detection module. It is configured to determine whether the terminal is in a restricted state, unable to effectively collect environmental information, when the state detection module determines that the user is in a state of incapacitation. The determination of a restricted state is based on one or more of the following: ambient light intensity detected by a photoelectric sensor is below a preset threshold; image clarity captured by a camera is below a preset threshold; or the positioning module determines that the terminal is in an enclosed space, such as a pocket or bag.

[0065] The form control unit is configured to trigger the deformable moving mechanism to switch from the stored state to the unfolded state when the environmental sensing unit determines that the terminal is in a restricted state, and control the terminal to move autonomously until it leaves the restricted state, so as to effectively collect on-site information.

[0066] In one implementation, a combination of crawling and flying methods is used, such as... Figure 1 As shown, the flying arms, motors, and propellers also serve as the legs and feet for crawling. When not in use for flying or crawling, these components are folded up, and the phone still appears as a regular smartphone. However, upon hearing a loud crash and the owner's cries for help, or even after repeated calls without response, and when the camera captures only a gray or black image with no clear picture, the system activates crawling mode, assuming the phone or smartwatch is in the owner's pocket or bag. In crawling mode, the flying arms and motors extend from the phone's body, forming an angle of 30 or 60 degrees. The arms act like the phone's four legs, while the motors and motor housings act like the phone's four crawling feet. The joint motors hidden inside the phone case drive the arms up and down, while the main control system coordinates the angle, force, and direction of movement of the four arms to complete the crawling action. The crawling direction is determined by photoelectric sensors detecting light; generally, the brighter direction indicates the exit of the owner's pocket or bag. Accelerometers and gyroscopes can also be used to measure whether the owner is lying down or walking, as well as their orientation (north, south, east, west), to assist photoelectric sensors in determining and calculating the direction of crawling.

[0067] Once the photoelectric sensors and camera have determined that the phone has left the owner's pocket or bag, and the camera can already see a clear image, the propeller motors slowly rise from the arms, while the motors are also slowly removed from the motor bay. After all flight components have fully deployed, the angle between the arms and the fuselage returns to a flight-ready angle, such as zero, five, or ten degrees, and flight mode is activated. Figure 6 As shown.

[0068] Once all filming is complete, the flying arms, motors, propellers, and all other components are retracted in the reverse order of deployment.

[0069] In another implementation, crawling and flight are not shared. The wings, motors, and propellers used for flight are not the same components as the feet and legs used for crawling. During flight, the aircraft has its own wings, motors, propellers, and other components, while during crawling, it uses its own feet and legs.

[0070] Recording begins upon detecting a loud impact. However, if a phone, tablet, or smartwatch is in the owner's pocket or bag, it cannot immediately capture multi-angle photos of the scene. A crawling and flying phone can then emerge from the owner's pocket or bag to take multi-angle photos and send them to emergency services (120, 110) or the user's relatives. After completing these steps, the emergency rescue assistant returns to the user's bag or pocket to quietly record. When the owner is carried away on a stretcher, it climbs onto the owner's bed to silently watch over them. This functionality is based on the system's memory capabilities combined with facial recognition, status recognition, and the owner's scent, fingerprint, and infrared sensor features. For example, the infrared radiation emitted by the owner when they are particularly energetic exceeds a certain value.

[0071] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed in this application can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0072] In the embodiments provided in this application, it should be understood that the disclosed devices / terminal equipment and methods can be implemented in other ways. For example, the device / terminal equipment embodiments described above are merely illustrative. For instance, the division of modules or units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling or direct coupling or communication connection may be through some interfaces; the indirect coupling or communication connection between devices or units may be electrical, mechanical, or other forms.

[0073] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0074] If the integrated module / unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, all or part of the processes in the methods of the above embodiments can also be implemented by a computer program instructing related hardware. The computer program can be stored in a computer-readable storage medium, and when executed by a processor, it can implement the steps of the various method embodiments described above. The computer program includes computer program code, which can be in the form of source code, object code, executable files, or certain intermediate forms. The computer-readable medium can include: any entity or device capable of carrying the computer program code, recording media, USB flash drives, portable hard drives, magnetic disks, optical disks, computer memory, read-only memory (ROM), random access memory (RAM), electrical carrier signals, telecommunication signals, and software distribution media, etc. It should be noted that the content included in the computer-readable medium can be appropriately added or removed according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media do not include electrical carrier signals and telecommunication signals.

[0075] The implementation of all or part of the processes in the methods of the above embodiments can also be accomplished by a computer program product. When the computer program product is run on a terminal device, the terminal device can implement the steps in the various method embodiments described above.

[0076] The embodiments described above are only used to illustrate the technical solutions of this application, and are not intended to limit it. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features; and these modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application, and should all be included within the protection scope of this application.

Claims

1. An artificial intelligence assistant system for emergency services in case of personal accidents, characterized in that, Deployed on user terminals, including: The protocol configuration module is used to acquire and store the user's authorization protocol data, which includes: the triggering conditions when the user loses capacity, emergency contact information, medical payment authorization information, and the information sharing scope for different recipients; The status detection module is used to collect sensor data in real time and, based on the triggering conditions, autonomously detect whether the user is in a state of loss of behavioral capacity through a multi-level fusion judgment process. The multi-level fusion judgment process includes physical anomaly detection based on motion data and / or physiological state assessment based on audio and video data and / or active confirmation based on voice interaction. The emergency response module is used to automatically perform multiple emergency operations based on the authorization agreement data when the status detection module determines that the user is in a state of incapacity. The emergency operations include: sending alarm information containing user identity information and location information to the public emergency system, sending an accident notification to the emergency contact, and providing payment authorization to the medical institution based on the medical payment authorization information.

2. The artificial intelligence assistant system for emergency life services according to claim 1, characterized in that, The multi-level fusion judgment process executed by the state detection module includes: Based on motion sensor data, determine whether an impact or fall event that meets a preset threshold has occurred; After determining that an impact or fall event that meets the preset threshold has occurred, audio and video acquisition is initiated, and the audio data is analyzed to determine whether there are keywords for distress or a weak sound. If a user initiates a proactive inquiry via voice interaction and does not receive a cancellation instruction or a confirmation of distress response within a preset time, the user is ultimately determined to be in a state of incapacity.

3. The artificial intelligence assistant system for emergency life services according to claim 1, characterized in that, The emergency response module includes: The medical payment unit is used to connect to the medical institution's billing system after the user is sent to the medical institution, and to automatically pay for emergency treatment costs within a preset range based on the medical payment authorization information, and record the payment operation.

4. The artificial intelligence assistant system for emergency life services according to claim 1, characterized in that, The emergency response module further includes: The insurance coordination unit is used to automatically send a claim information to the insurance company based on the user's preset insurance policy information after determining that the user is in a state of incapacity. After the treatment is completed, it collects on-site information and treatment records as claim materials and submits them to the insurance company. When collaborating with insurance companies, the insurance collaboration unit of this system communicates and connects with the insurance company by calling the insurance company or by directly connecting its external data interface to the insurance company's platform system. This enables the connection of relevant information about the insurance policy with the insurance company. Authorization and passwords and keys from both parties are required when connecting.

5. The artificial intelligence assistant system for emergency life services according to claim 1, characterized in that, The emergency response module further includes: The will triggering unit is used to automatically send a notification to the preset executor or heir based on the user's preset will information after determining that the user's life is in danger or confirming the user's death, and to disclose the contents of the will or the location of the will storage.

6. The artificial intelligence assistant system for emergency life services according to claim 1, characterized in that, The authorization protocol data stored in the protocol configuration module also includes a privacy authorization protocol; The system also includes: The access control module is used to differentiate the information content shared with public emergency systems, medical institutions and emergency contacts according to the information sharing scope during the operation of the emergency response module, and to encrypt all information transmission processes.

7. The artificial intelligence assistant system for emergency life services according to claim 1, characterized in that, The protocol configuration module also includes: A wizard-style setup interface is used to guide users to complete the configuration of the authorization agreement data. The configuration content includes at least: emergency contacts and their order, binding bank cards for payment and limits, entering insurance policy information, and confirming the agreement through electronic signature. The configuration method includes any one or more of the following methods: (1) providing a detailed table and collecting information entered by the user through the table; (2) providing device operation reminders and collecting information entered by the user according to the operation instructions; (3) collecting information from a table imported by the user. User electronic signature confirmation can also be achieved by directly connecting to a personal information authentication platform using the system's external interface.

8. A method for providing emergency personal injury services based on the system described in any one of claims 1 to 7, characterized in that, include: Interact with users to acquire and store authorization agreement data, including trigger conditions, emergency contacts, medical payment authorization, and scope of information sharing; The system collects sensor data in real time and, based on the triggering conditions, autonomously detects whether the user is in a state of incapacity through a multi-level fusion judgment process. In response to determining that the user is in the aforementioned state, multiple emergency operations are automatically executed based on the authorization agreement data; the emergency operations include alerting the public emergency system, notifying emergency contacts, and providing authorization for medical expense payment.

9. A smart terminal deployed with the system as described in any one of claims 1 to 7, characterized in that, The terminal also includes: The retractable camera module is configured to automatically extend from the terminal body and adjust the shooting angle to acquire on-site images in response to the state detection module determining that the user is in a state of incapacity, and automatically retract after completing the shooting task.

10. A smart terminal deployed with a system as described in any one of claims 1 to 7, characterized in that, The terminal also includes: A deformable mobile mechanism is configured to switch between a stowed state and an unfolded state. In the stowed state, the deformable mobile mechanism fits the outline of the terminal body. In the unfolded state, it constitutes a walking mechanism or a flying mechanism that enables the terminal to move autonomously. An environmental sensing unit, linked with the state detection module, is configured to determine whether the terminal is in a restricted state where it cannot effectively collect on-site environmental information when the state detection module determines that the user is in a state of loss of behavioral capacity. The form control unit is configured to trigger the deformable moving mechanism to switch from a retracted state to an unfolded state when the environmental sensing unit determines that the terminal is in a restricted state, and control the terminal to move autonomously until it leaves the restricted state, so as to effectively collect on-site information.

Images