# US 12,008,671 B2 · Policyholder setup in secure personal and financial information storage and chatbot access by trusted individuals > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,671 B2 - Document ID: US12008671B2 - Status: Granted - Kind: B2 - Application number: 18/074,555 - Filed: 2022-12-05 - Published: 2023-04-06 - Granted: 2024-06-11 - Earliest claimed: 2019-11-05 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Edward W. Breitweiser; Brian A. Steigerwald; Shreeti Banerjee; Larry Ingrum - Web page: https://patentgrep.com/patent/US12008671B2 ## CPC - G06Q 50/186: {Estate planning} - G06F 21/6245: {Protecting personal data, e.g. for financial or medical purposes} - G06N 20/00: Machine learning - G06Q 10/10: Office automation; Time management - G06Q 10/20: Administration of product repair or maintenance - G06Q 10/40: Business processes related to social networking or social networking services - G06Q 30/0203: Market surveys; Market polls - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/08: Insurance - G06Q 40/12: Accounting - G06Q 50/16: Real estate - G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)} - G16H 10/60: for patient-specific data, e.g. for electronic patient records - G16H 40/67: for remote operation - H04L 51/02: using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages - H04L 51/04: Real-time or near real-time messaging, e.g. instant messaging [IM] - H04L 67/12: specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS - G07C: TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE - G16H: HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A computer-implement method and computer system may be configured to facilitate policyholder setup in connection with 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. ## Claims ### Claim 1 A computer-implemented method of setting up a computer system to provide digital asset storage, management and/or retrieval services, the method comprising: with a storage user's permission, via one or more processors and/or transceivers, enrolling the storage user in a digital asset storage, management and/or retrieval service, wherein enrolling the storage user optionally includes establishing an account record associated with the storage user; receiving from the storage user, via the one or more processors and/or transceivers, information about one or more access users associated with the storage user; accepting and storing, via the one or more processors and/or transceivers, digital assets associated with the storage user, wherein the digital assets relate to one or more of a life insurance policy, a homeowner or renter insurance policy, a vehicle insurance policy and a medical insurance policy; sending, via the one or more processors and/or transceivers, a notification to one or more of the access users informing the one or more access users of an opportunity to use a digital asset service; receiving from the one or more access users, via the one or more processors and/or transceivers, a request to enroll in the digital asset service; enrolling the one or more access users in the digital asset service, wherein enrolling the one or more access users includes storing information associated with the one or more access users in an account record associated with the storage user; and sending to the one or more access users, via the one or more processors and/or transceivers, information about an access user app that the access user can download onto a communication device and use in connection with the digital asset services. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, further comprising receiving from the storage user, via the one or more processors and/or transceivers, a request to enroll in the digital asset service. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, further comprising sending to the storage user, via the one or more processors and/or transceivers, an invitation to enroll in the digital asset service. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, further comprising storing information representative of a virtual personality of the storage user or a virtual model of the storage user based upon the digital assets. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein the digital assets are fed into a machine learning module via the one or more processors and/or transceivers, to create a virtual avatar with a personality similar to the personality of the storage user. ### Claim 6 (depends on 5) The computer-implemented method of claim 5, wherein the access user app allows the access user to have a conversation with the avatar of the storage user. ### Claim 7 (depends on 1) The computer-implemented method of claim 1, wherein receiving from the storage user, via the one or more processors and/or transceivers, information about one or more access users associated with the storage user includes receiving condition information including one or more of (1) limitations on roles of the one or more access users and/or (2) types of information that can be provided to the one or more access users. ### Claim 8 (depends on 1) The computer-implemented method of claim 1, further comprising prompting the storage user to provide the information about an access user and the digital assets. ### Claim 9 (depends on 1) The computer-implemented method of claim 1, wherein the computer-implemented method is offered by a third party to provide services to the storage user and/or the one or more access users. ### Claim 10 A computer system for providing digital asset storage, management and/or retrieval services, the computer system comprising one or more local or remote processors, transceivers, servers and/or sensors, the computer system configured to: with a storage user's permission, via the one or more processors and/or transceivers, enroll the storage user in a digital asset storage, management and/or retrieval service, wherein enrolling the storage user optionally includes establishing an account record associated with the storage user; receive from the storage user, via the one or more processors and/or transceivers, information about one or more access users associated with the sotrage user; accept and store, via the one or more processors and/or transceivers, digital assets associated with the storage user, wherein the digital assets relate to one or more of a life insurance policy, a homeowner or renter insurance policy, a vehicle insurance policy and a medical insurance policy; send, via the one or more processors and/or transceivers, a notification to one or more of the one or more access users informing the one or more access users of an opportunity to use a digital asset service; receive from the one or more access users, via the one or more processors and/or transceivers, a request to enroll in the digital asset service; enroll the one or more access users in the digital asset service, wherein enrolling the one or more access users includes storing information associated with the one or more access users in an account record associated with the storage user; and send to the one or more access users, via the one or more processors and/or transceivers, information about an access user app that the access user can download onto a communication device and use in connection with the digital asset services. ### Claim 11 (depends on 10) The computer system of claim 10, wherein the computer system is further configured to receive from the storage user, via the one or more processors and/or transceivers, a request to enroll in the digital asset service. ### Claim 12 (depends on 10) The computer system of claim 10, wherein the computer system is further configured to send to the storage user, via the one or more processors and/or transceivers, an invitation to enroll in the digital asset service. ### Claim 13 (depends on 10) The computer system of claim 10, wherein the computer system is further configured to store information representative of a virtual personality of the storage user or a virtual model of the storage user based upon the digital assets. ### Claim 14 (depends on 10) The computer system of claim 10, wherein the computer system is further configured to provide a machine learning module via the one or more processors and/or transceivers, to create a virtual avatar with a personality similar to the personality of the storage user based upon the digital assets. ### Claim 15 (depends on 14) The computer system of claim 14, wherein the access user app is configured to allow the access user to have a conversation with the avatar of the storage user. ### Claim 16 (depends on 10) The computer system of claim 10, wherein receiving from the storage user, via the one or more processors and/or transceivers, information about one or more access users associated with the storage user includes receiving condition information including one or more of (1) limitations on roles of the one or more one or more access users and/or (2) types of information that can be provided to the one or more access users. ### Claim 17 (depends on 10) The computer system of claim 10, wherein the computer system is further configured to prompt the storage user to provide the information about an access user and the digital assets. ### Claim 18 A non-transitory computer-readable storage device storing instructions that, when executed by one or more processors cause the one or more processors to: enroll a storage user in a digital asset storage, management and/or retrieval service, wherein enrolling the storage user optionally includes establishing an account record associated with the storage user; receive, from the storage user, information about one or more access users associated with the storage user; accept and store digital assets associated with the storage user, wherein the digital assets relate to one or more of a life insurance policy, a homeowner or renter insurance policy, a vehicle insurance policy and a medical insurance policy; send a notification to one or more of the one or more access users informing the one or more access users of an opportunity to use a digital asset service; receive from the one or more access users a request to enroll in the digital asset service; enroll the one or more access users as the storage user's access users in the digital asset service, wherein enrolling the one or more access users includes storing information associated with the one or more access users in an account record associated with the storage user; and send to the one or more access users information about an access user app that the access user can download onto a communication device and use in connection with the digital asset services.