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 19:
20. A computer system for detecting insurance-related events and handling insurance claims, the computer system comprising one or more local or remote processors, transceivers, servers, or sensors, the computer system configured to:
with a policyholder's permission and affirmative consent, build a policyholder profile and online policyholder account for the policyholder based upon policyholder input, wherein the policyholder profile includes policy information;
receive digital assets uploaded by the policyholder, and associate or otherwise link the digital assets with the policyholder profile, wherein the digital assets include one or more of social media content, telephone voice recordings, or emails;
build, by the one or more processors using machine learning, a chatbot avatar of the policyholder based upon the digital assets;
upon the policyholder selecting a beneficiary, contact the beneficiary that is different than the policyholder via electronic communication, and then provide the beneficiary with notice that they have electronic access to the policyholder account via a beneficiary app;
providing 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;
receive information associated with the policyholder, such as via electronic communication with the policyholder's or a beneficiary's mobile device;
determine the insurance-related event based upon the information associated with the policyholder;
send, via the beneficiary app and in response to the determination of the insurance-related event, an electronic notification of the insurance-related event to the beneficiary;
initiate, automatically 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.