US 12,450,675 B2
Insurance claim processing in secure personal and financial information storage and chatbot access by trusted individuals
Edward W. Breitweiser, Bloomington, IL (US); Brian A. Steigerwald, Bloomington, IL (US); Larry Ingrum, Mahomet, IL (US); and Shreeti Banerjee, Bloomington, IL (US)
Assigned to State Farm Mutual Automobile Insurance Company, Bloomington, IL (US)
Filed by State Farm Mutual Automobile Insurance Company, Bloomington, IL (US)
Filed on Feb. 28, 2024, as Appl. No. 18/590,687.
Application 18/590,687 is a continuation of application No. 17/089,382, filed on Nov. 4, 2020, granted, now 11,948,198.
Claims priority of provisional application 63/108,528, filed on Nov. 2, 2020.
Claims priority of provisional application 62/947,374, filed on Dec. 12, 2019.
Claims priority of provisional application 62/931,486, filed on Nov. 6, 2019.
Claims priority of provisional application 62/930,830, filed on Nov. 5, 2019.
Prior Publication US 2024/0257282 A1, Aug. 1, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06F 21/62 (2013.01); G06N 20/00 (2019.01); G06Q 10/10 (2023.01); G06Q 10/20 (2023.01); G06Q 30/0203 (2023.01); G06Q 40/02 (2023.01); G06Q 40/08 (2012.01); G06Q 40/12 (2023.01); G06Q 50/00 (2012.01); G06Q 50/16 (2012.01); G06Q 50/18 (2012.01); G07C 5/00 (2006.01); G16H 10/60 (2018.01); G16H 40/67 (2018.01); H04L 51/02 (2022.01); H04L 51/04 (2022.01); H04L 67/12 (2022.01)
CPC G06Q 50/186 (2013.01) [G06F 21/6245 (2013.01); G06N 20/00 (2019.01); G06Q 10/10 (2013.01); G06Q 10/20 (2013.01); G06Q 30/0203 (2013.01); G06Q 40/02 (2013.01); G06Q 40/08 (2013.01); G06Q 40/12 (2013.12); G06Q 50/01 (2013.01); G06Q 50/16 (2013.01); G07C 5/008 (2013.01); G16H 10/60 (2018.01); G16H 40/67 (2018.01); H04L 51/02 (2013.01); H04L 51/04 (2013.01); H04L 67/12 (2013.01)] 20 Claims
OG exemplary drawing
 
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.