Patent ID: 11948198
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A computer-implemented method of detecting an insurance-related event and handling insurance claims, the method comprising:
with a policyholder's permission and affirmative consent, building, via at least one or more processors and associated transceivers, a policyholder profile and online policyholder account for the policyholder based upon policyholder input, wherein the policyholder profile includes policy information;
receiving, via one or more processors and associated transceivers, digital assets uploaded by the policyholder, and associating the digital assets with the policyholder profile, wherein the digital assets include one or more of social media content, telephone voice recordings, or emails;
building, by the one or more processors using a machine learning module, a chatbot avatar of the policyholder based upon the digital assets;
upon the policyholder selecting a beneficiary, contacting, via the one or more processors and associated transceivers, the beneficiary that is different than the policyholder via electronic communication, and then providing the beneficiary with notice that they have electronic access to the policyholder account via a beneficiary app;
providing, by the one or more processors and associated transceivers, the beneficiary app to the beneficiary, wherein the beneficiary app operates on a computing device associated with the beneficiary and includes a chatbot interface facilitating conversations with the chatbot avatar of the policyholder by one or both of text or speech;
receiving by the one or more processors and associated transceivers, information associated with the policyholder;
determining, by the one or more processors and associated transceivers, the insurance-related event based upon the information associated with the policyholder;
sending, via the beneficiary app via the at least one of one or more processors and associated transceivers in response to the determination of the insurance-related event, an electronic notification of the insurance-related event to the beneficiary;
initiating, automatically via the one or more processors and associated transceivers in response to the determination of the insurance-related event, a claim based upon the policy and the insurance-related event; and
relaying the status of the claim to the beneficiary via the beneficiary app through the chatbot interface via the chatbot avatar of the policyholder by one or both of text or speech.