Insurance claim processing in secure personal and financial information storage and chatbot access by trusted individuals
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.
1. A computer-implemented method for processing a digital file, the method comprising:
generating, by a processor, a profile of a customer, the profile identifying an asset of the customer and an actual identity of the customer;
generating, by the processor and using a machine learning module, an avatar of the customer based on the profile;
receiving, by the processor and via a beneficiary application operating on a computing device, a request to access the asset, the request indicating an identity of the customer and an occurrence of an event associated with the customer;
receiving, by the processor and from the computing device, an electronic document that certifies the event;
based on receiving the request to access the asset and the electronic document, causing the avatar to establish a verbal conversation with a beneficiary through an interface of the beneficiary application;
verifying, by the processor and via the verbal conversation, the identity indicated in the request matches the actual identity of the customer indicated in the profile;
based on verifying the identity matches the actual identity, generating, by the processor, a digital file corresponding to the request; and
transmitting, by the processor and to the computing device, information indicating one or more actions required for processing the digital file, wherein receipt of the information by the computing device causes the interface of the beneficiary application to indicate the one or more actions.
2. The computer-implemented method of claim 1 , wherein the information indicating one or more actions required for processing the digital file is transmitted via the verbal conversation.
3. The computer-implemented method of claim 1 , further comprising:
receiving, by the processor, information identifying a beneficiary designated by the customer; and
transmitting, by the processor and to the computing device, a notice that the beneficiary has access to the asset, the notice including a link to install the beneficiary app.
4. The computer-implemented method of claim 1 , wherein the request includes a password to an online account of the customer.
5. The computer-implemented method of claim 1 , further comprising:
determining, by the processor and based on the occurrence of the event, a category to which the digital file corresponds, wherein the category includes at least one of life insurance, health insurance, home insurance, or auto insurance.
6. The computer-implemented method of claim 5 , further comprising:
storing, by the processor, the electronic document in an online account of the customer.
7. The computer-implemented method of claim 1 , further comprising:
providing, by the processor and to an electronic device of the customer, a message including one or more questions;
receiving, by the processor and from the electronic device, an answer to the one or more questions; and
based on receiving the answer, generating, by the processor and using the machine learning module, a baseline personality of the avatar, the baseline personality being similar to the customer.
8. A system for detecting an event and handling a digital file, comprising:
a processor, and
a non-transitory computer-readable memory storing computer-executable instructions that, when executed by the processor, cause the processor to:
generate a profile of a customer, the profile identifying an asset of the customer and an actual identity of the customer;
generate, using a machine learning module, an avatar of the customer based on the profile;
receive, via a beneficiary application operating on a computing device, a request to access the asset, the request indicating an identity of the customer and an occurrence of an event associated with the customer;
receive, from the computing device, an electronic document that certifies the event;
based on receiving the request to access the asset and the electronic document, cause the avatar to establish a verbal conversation with a beneficiary through an interface of the beneficiary application;
verify via the verbal conversation, the identity indicated in the request matches the actual identity of the customer indicated in the profile;
based on verifying the identity matches the actual identity, generate a digital file corresponding to the request; and
transmit, to the computing device, information indicating one or more actions required for processing the digital file, wherein receipt of the information by the computing device causes the interface of the beneficiary application to indicate the one or more actions.
9. The system of claim 8 , wherein the information indicating one or more actions required for processing the digital file is transmitted via the verbal conversation.
10. The system of claim 8 , wherein the instructions, when executed by the processor, cause the processor to:
determine, based on the occurrence of event, a category to which the digital file corresponds, wherein the category includes at least one of life insurance, health insurance, home insurance, or auto insurance.
11. The system of claim 8 , wherein the instructions, when executed by the processor, cause the processor to:
store the electronic document in an online account of the customer.
12. The system of claim 8 , wherein the instructions, when executed by the processor, cause the processor to:
obtain at least one of a voice recording or a visual recording associated with the customer; and
input the at least one of the voice recording or the visual recording to the machine learning module, wherein
inputting the at least one of the voice recording or the visual recording causes the machine learning module to train the avatar, using at least one of at least one of a supervised machine learning algorithm or an unsupervised machine learning algorithm, to have at least one of a voice or a visual appearance similar to the customer.
13. The system of claim 12 , wherein the instructions, when executed by the processor, cause the processor to:
perform voice recognition on a voice input of the beneficiary, during the verbal conversation, using a natural language processing engine.
14. The system of claim 8 , wherein the instructions, when executed by the processor, cause the processor to:
provide, to an electronic device of the customer, a message including one or more questions;
receive, from the electronic device, an answer to the one or more questions; and
based on receiving the answer, generate, using the machine learning module, a baseline personality of the avatar, the baseline personality being similar to the customer.
15. A non-transitory computer-readable memory storing thereon instructions for detecting an event and handling a digital file, that, when executed by a processor, cause the processor to:
generate a profile of a customer, the profile identifying an asset of the customer and an actual identity of the customer;
generate, using a machine learning module, an avatar of the customer based on the profile;
receive, via a beneficiary application operating on a computing device, a request to access the asset, the request indicating an identity of the customer and an occurrence of an event associated with the customer;
receive, from the computing device, an electronic document that certifies the event;
based on receiving the request to access the asset and the electronic document, cause the avatar to establish a verbal conversation with a beneficiary through an interface of the beneficiary application;
verify via the verbal conversation, the identity indicated in the request matches the actual identity of the customer indicated in the profile;
based on verifying the identity matches the actual identity, generate a digital file corresponding to the request; and
transmit, to the computing device, information indicating one or more actions required for processing the digital file, wherein receipt of the information by the computing device causes the interface of the beneficiary application to indicate the one or more actions.
16. The non-transitory computer-readable memory of claim 15 , wherein the information indicating one or more actions required for processing the digital file is transmitted via the verbal conversation.
17. The non-transitory computer-readable memory of claim 15 , wherein the instructions, when executed by the processor, cause the processor to:
obtain at least one of a voice recording or a visual recording associated with the customer; and
input the at least one of the voice recording or the visual recording to the machine learning module, wherein
inputting the at least one of the voice recording or the visual recording causes the machine learning module to train the avatar, using at least one of at least one of a supervised machine learning algorithm or an unsupervised machine learning algorithm, to have at least one of a voice or a visual appearance similar to the customer.
18. The non-transitory computer-readable memory of claim 15 , wherein the instructions, when executed by the processor, cause the processor to:
perform voice recognition on a voice input of the beneficiary, during the verbal conversation, using a natural language processing engine.
19. The non-transitory computer-readable memory of claim 15 , wherein the instructions, when executed by the processor, cause the processor to:
provide, to an electronic device of the customer, a message including one or more questions;
receive, from the electronic device, an answer to the one or more questions; and
based on receiving the answer, generate, using the machine learning module, a baseline personality of the avatar, the baseline personality being similar to the customer.
20. The non-transitory computer-readable memory of claim 15 , wherein the instructions, when executed by the processor, cause the processor to:
based on receiving the electronic document that certifies the event, determine, based on the occurrence of event, a category to which the digital file corresponds, wherein the category includes at least one of life insurance, health insurance, home insurance, or auto insurance.