Estate Chatbot Avatar for Secure Trusted Access to Digital Assets
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Solution Overview
Problem
Conventional estate handling techniques are inefficient, time-consuming, and frustrating for family members and trusted individuals when dealing with the collection and management of personal and financial information for deceased or incapacitated individuals.
Innovation Solution
A computer-implemented method and system utilizing a chatbot or digital assistant to facilitate secure storage and controlled access of personal and financial information, allowing trusted individuals to interact with a simulated avatar of the deceased to gather and manage estate-related information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If conventional estate handling techniques are used, then family members can access personal and financial information, but the process becomes time-consuming and inefficient
Solution Approach 1:
The system allows policyholders to pre-register beneficiaries and organize digital assets during their lifetime. When the policyholder passes away, beneficiaries can immediately access pre-organized information without the time-consuming process of locating and collecting documents from multiple sources.
Solution Approach 2:
The patent introduces a digital asset service and chatbot as intermediaries between the policyholder's digital assets and the beneficiaries. The chatbot facilitates natural language queries and retrieves information from encrypted storage, mediating the access process and eliminating the need for manual document searching.
2Reliability
If personal and financial information is stored securely, then data protection is improved, but access control complexity increases
Solution Approach 1:
The system implements automated authentication and authorization mechanisms that verify beneficiary identities and grant appropriate access levels without requiring complex manual approval processes. The chatbot handles authentication requests automatically, reducing the burden on both the system and users.
Solution Approach 2:
The chatbot serves as an intermediary layer between the encrypted digital asset storage and beneficiaries, handling complex authentication and authorization logic internally while presenting a simple conversational interface to users. This hides the complexity of security protocols behind an easy-to-use interface.
3Ease of operation
If a chatbot interface is implemented, then user-friendliness improves, but system complexity increases
Solution Approach 1:
The patent replaces traditional mechanical interfaces (forms, menus, buttons) with a conversational chatbot interface that processes natural language queries. This substitution simplifies user interaction by allowing beneficiaries to ask questions in plain language rather than navigating complex forms or understanding technical interfaces.
Solution Approach 2:
The chatbot acts as an intelligent intermediary that translates simple user questions into complex system commands. It handles the complexity of querying encrypted databases, authenticating users, and retrieving specific information, while presenting simplified conversational responses to beneficiaries.
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 dopplegänger 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.