Digital-witness robotic insurance system and method

A computer-implemented method for providing digital-witness insurance coverage to a mobile robot, the method comprising:

• registering, by a mobile application executing on a user device, a policy-holder by collecting user demographic data and pairing the policy-holder to a physical robot via a device identifier scanned from the robot;
• generating, within a secure enclave located on a circuit board of the robot, a non-exportable private signing key and an X.509 device certificate;
• obtaining explicit user consent to record and, in response, continuously capturing synchronized audio-video sensor data with at least one surround camera and at least one spatial microphone;
• encrypting and storing the captured sensor data in a circular rolling buffer while concurrently computing a cryptographic hash of the sensor data and signing the hash inside the secure enclave, wherein the rolling buffer is dimensioned to overwrite its oldest sectors such that only data captured within a policy-mandated retention window are retained;
• upon detection of an incident or receipt of a user-initiated claim command, extracting an incident clip from the rolling buffer and forwarding a digest of the incident clip to the secure enclave for signature;
• transmitting the signed digest from an insurance server to a distributed-ledger node, thereby anchoring the digest as an immutable hash record and receiving a confirmation time-stamp;
• after receiving the confirmation time-stamp, transmitting an encrypted version of the incident clip from the robot to the insurance server;
• verifying, at the insurance server, integrity of the incident clip by comparing a freshly computed hash with the anchored digest;
• executing, at the insurance server, a claim-decision engine to determine a coverage outcome;
• and
• automatically initiating, when the coverage outcome is positive, at least one remediation action selected from dispatching a repair technician, shipping a replacement robot, or issuing an electronic monetary reimbursement.

A digital-witness robotic insurance system comprising:

• a mobile robot that includes
• at least one surround video camera and at least one spatial microphone operable to generate synchronized audio-video sensor data;
• a processor operably coupled to the camera and microphone;
• a secure enclave disposed on the same circuit board as the processor and operable to (i) generate and store a non-exportable private signing key, (ii) sign a cryptographic hash of the sensor data, and (iii) respond to an attestation challenge;
• an encrypted, non-volatile rolling buffer coupled to the secure enclave and arranged as a circular queue sized to store only a most-recent portion of the signed sensor data;
• and
• a wireless communication module operable to transmit data over a transport-layer-security connection;
• a mobile application executable on a user device and operable to (i) pair the mobile robot to a registered user by scanning a device identifier displayed by the robot, and (ii) relay an identity-verification artefact containing user demographic information to a remote server;
• an insurance server comprising a claim-decision engine and a policy database, the insurance server being operable to
• issue an attestation challenge containing a nonce to the secure enclave,
• receive a signed response from the secure enclave and verify firmware integrity,
• receive an incident clip extracted from the rolling buffer together with the signed cryptographic hash,
• authenticate integrity of the incident clip using the signed cryptographic hash, and
• execute the claim-decision engine to determine a coverage outcome;
• and
• a distributed-ledger node operable to store, as an immutable record, the signed cryptographic hash as a hash anchor referenced by the insurance server, wherein the insurance server, upon a positive coverage outcome, facilitates initiation of at least one remediation action selected from (i) dispatching a repair technician, (ii) shipping a replacement robot, or (iii) issuing an electronic monetary reimbursement, the initiation being performed by a human reviewer or by an automated system subject to human confirmation, thereby providing tamper-resistant, real-time evidence without requiring a policy-holder to upload external documentation;
• wherein raw sensor footage is processed by automated components to organize segments, extract relevant frames, and flag portions of interest based on predefined criteria, the system being further configured to enable human-assisted review of the flagged portions to determine a cause of the event and assess parties and factors responsible.