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The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Patent No.:

US 12450675 B1

PDFFull Text
Date of Patent:
Oct. 21, 2025

Filed:

Feb. 28, 2024

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

Applicant:

State Farm Mutual Automobile Insurance Company, Bloomington, IL (US);

Inventors:

Edward W. Breitweiser, Bloomington, IL (US);

Brian A. Steigerwald, Bloomington, IL (US);

Larry Ingrum, Mahomet, IL (US);

Shreeti Banerjee, Bloomington, IL (US);

Assignee:

State Farm Mutual Automobile Insurance Company, Bloomington, IL (US);

Attorney:

Lee & Hayes, P.C.

Primary Examiner:

Edward J Baird

Int. Cl.
CPC ...
G06Q 40/00 (2023.01); G06F 21/62 (2013.01); G06N 20/00 (2019.01); G06Q 10/10 (2023.01); G06Q 10/20 (2023.01); G06Q 30/0203 (2023.01); G06Q 40/02 (2023.01); G06Q 40/08 (2012.01); G06Q 40/12 (2023.01); G06Q 50/00 (2012.01); G06Q 50/16 (2012.01); G06Q 50/18 (2012.01); G07C 5/00 (2006.01); G16H 10/60 (2018.01); G16H 40/67 (2018.01); H04L 51/02 (2022.01); H04L 51/04 (2022.01); H04L 67/12 (2022.01);
U.S. Cl.
CPC ...
G06Q 50/186 (2013.01); G06F 21/6245 (2013.01); G06N 20/00 (2019.01); G06Q 10/10 (2013.01); G06Q 10/20 (2013.01); G06Q 30/0203 (2013.01); G06Q 40/02 (2013.01); G06Q 40/08 (2013.01); G06Q 40/12 (2013.12); G06Q 50/01 (2013.01); G06Q 50/16 (2013.01); G07C 5/008 (2013.01); G16H 10/60 (2018.01); G16H 40/67 (2018.01); H04L 51/02 (2013.01); H04L 51/04 (2013.01); H04L 67/12 (2013.01);
Abstract

A computer-implement method and computer system may be configured to facilitate insurance claim processing and 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.

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