Estate Chatbot Avatar for Secure Policyholder Information Access
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Solution Overview
Problem
Conventional estate handling techniques are inefficient, time-consuming, and frustrating for family members dealing with the collection and management of personal and financial information after the passing of a decedent, lacking adequate security and ease of access for trusted individuals.
Innovation Solution
A computer-implemented system utilizing a chatbot or digital assistant to securely store and manage personal and financial information, allowing trusted individuals to access it through a simulated conversation with a chatbot avatar, which assists in estate handling and provides controlled access based on predefined conditions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If conventional estate handling techniques are used, then family members can access information, but the process is inefficient and time-consuming
Solution Approach 1:
The system performs preliminary actions by collecting, organizing, and securing all personal and financial information during the policyholder's lifetime before their passing. The chatbot avatar is pre-configured with access credentials and the information is pre-loaded into the secure storage system, eliminating the need for family members to search through physical documents or contact multiple institutions after the policyholder dies.
Solution Approach 2:
The system creates a digital copy of all personal and financial information, including documents, account credentials, and contact details, which is stored securely and made accessible to designated beneficiaries. This digital copy replaces the need for physical document collection and provides immediate access without time loss.
2Ease of operation
If conventional estate handling techniques are used, then family members can gather information, but the process is awkward and frustrating
Solution Approach 1:
The chatbot avatar provides self-service by automatically guiding family members through the information retrieval process, answering their questions, and providing access to documents without requiring them to navigate complex systems or contact multiple institutions. The system serves itself by maintaining organized digital records that are easily queryable.
Solution Approach 2:
The chatbot avatar acts as an intermediary between family members and the stored information, providing a user-friendly interface that simplifies access to complex financial and personal data. The avatar translates family member queries into system searches and presents information in an organized manner, reducing the complexity of the underlying system.
3Reliability
If secure storage of personal and financial information is implemented, then data security is improved, but access control complexity increases
Solution Approach 1:
The access control system is segmented into different levels and types of access rights. The policyholder can grant different levels of access to different beneficiaries (e.g., view-only access to financial information, full access to legal documents). This segmentation allows for fine-grained security control without requiring complex authentication mechanisms for each individual access request.
Solution Approach 2:
The chatbot avatar serves multiple functions including information retrieval, document access, and authentication, providing a universal interface that handles various access scenarios through a single system rather than requiring separate access control mechanisms for each function.
4Ease of operation
If chatbot avatar is used to simulate deceased person, then information access is facilitated, but system complexity increases
Solution Approach 1:
The chatbot avatar is a simplified digital copy of the policyholder's personality, communication style, and knowledge base. Instead of creating a fully functional virtual replica, the system uses a streamlined copy that can answer questions about the estate and guide users through information access, reducing the computational and design complexity while maintaining ease of interaction.
Data Source
AI summary
A computer-implement method and computer system may be configured to facilitate policyholder setup in connection with estate handling. An audible or visible chatbot avator or dopplegäger may lead a trustee, beneficiary, or family member through the estate of an impaired or deceased user. A computer system may have been provided with, or gather, sample voice and visual recordings associated with a user that are used to build the chatbot avatar that simulates the user audibly and/or visually. The computer system may have previously prompted the user for necessary items to properly handle their estate, such as information related to financial accounts, loans, insurance policies, etc. and user names and passwords to various electronic accounts.