Insurance claim processing in secure personal and financial information storage and chatbot access by trusted individuals

A system for detecting an event and handling a digital file, comprising:

• a processor, and
• a non-transitory computer-readable memory storing computer-executable instructions that, when executed by the processor, cause the processor to:
• generate a profile of a customer, the profile identifying an asset of the customer and an actual identity of the customer;
• generate, using a machine learning module, an avatar of the customer based on the profile;
• receive, via a beneficiary application operating on a computing device, a request to access the asset, the request indicating an identity of the customer;
• based on receiving the request to access the asset, cause the avatar to establish a verbal conversation with a beneficiary through an interface of the beneficiary application;
• verify 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, generate a digital file corresponding to the request;
• and
• transmit, 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.

A non-transitory computer-readable memory storing thereon instructions for detecting an event and handling a digital file, that, when executed by a processor, cause the processor to:

• generate a profile of a customer, the profile identifying an asset of the customer and an actual identity of the customer;
• generate, using a machine learning module, an avatar of the customer based on the profile;
• receive, via a beneficiary application operating on a computing device, a request to access the asset, the request indicating an identity of the customer;
• based on receiving the request to access the asset, cause the avatar to establish a verbal conversation with a beneficiary through an interface of the beneficiary application;
• verify 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, generate a digital file corresponding to the request;
• and
• transmit, 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.