Secure Estate Data Storage for Chatbot-Guided Insurance Claims
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Solution Overview
Problem
Conventional estate handling techniques are inefficient, time-consuming, and frustrating for family members dealing with the estates of deceased individuals, lacking a secure and efficient system for collecting and accessing personal and financial information.
Innovation Solution
A computer-implemented method and system utilizing a chatbot or digital assistant to securely store personal and financial information, allowing trusted individuals to access it through a simulated conversation with a chatbot avatar, facilitating estate handling and insurance claim processing.
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 is inefficient, time-consuming, and frustrating
Solution Approach 1:
The system performs preliminary actions by automatically collecting personal and financial information during the policyholder's lifetime, organizing it into a structured digital repository. This pre-prepared information is then instantly accessible to beneficiaries when needed, eliminating the time-consuming manual gathering process and resolving the contradiction between efficiency and time consumption.
Solution Approach 2:
The patent replaces manual, mechanical estate handling processes with an automated digital system. The chatbot interface and automated information retrieval system substitute for traditional manual methods of collecting and organizing documents, dramatically improving productivity while reducing the time required for beneficiaries to access necessary information.
2Reliability
If personal and financial information is stored securely, then data protection is improved, but access complexity increases for trusted individuals
Solution Approach 1:
The system introduces a chatbot interface as an intermediary between beneficiaries and the secure information repository. This intermediary provides a user-friendly, natural language interface that simplifies access for beneficiaries while maintaining the security of the underlying data storage system, effectively resolving the contradiction between security and ease of operation.
Solution Approach 2:
The system creates a digital copy or representation of the policyholder's information and personality through the chatbot avatar. This copy allows beneficiaries to interact with and access information in a familiar, easy-to-use format while the original secure storage system remains protected. The chatbot interface serves as an accessible copy that doesn't compromise the security of the master repository.
3Ease of operation
If a chatbot interface is implemented for information access, then user-friendliness improves, but system complexity increases
Solution Approach 1:
The chatbot serves as an intermediary layer that provides a simple, user-friendly interface while managing the complexity of the underlying system. The chatbot handles natural language processing, information retrieval, and presentation, shielding beneficiaries from the complex architecture of the secure storage system while maintaining ease of operation.
Solution Approach 2:
The chatbot interface is designed as a universal, multi-functional tool that can handle various types of information requests, guide beneficiaries through different estate handling tasks, and adapt to different user needs. This multi-functionality consolidates multiple access methods into a single interface, improving usability without proportionally increasing system complexity.
Data Source
AI summary
A computer-implement method and computer system may be configured to facilitate insurance claim processing and 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.