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 doppelgänger 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.

Systems, methods, and computer-readable storage media utilized for determining access to a financial account held by a customer of a financial institution. One method includes establishing a communication session with a sensor device, wherein the financial institution computing system continuously receives sensor data over the communication session and receiving, from a point-of-sale (POS) terminal, a payment request. The method further includes retrieving, from the user device via an application programming interface (API), device data including at least application data and receiving, from the sensor device, the sensor data including at least one of geolocation data or biometric data of the sensor device. The method further includes determining the customer experienced an adverse event based on the sensor data and the device data and determining automatically an access level. The method further includes authorizing, by the processor, the payment request utilizing the financial account held by the customer to a designee.

Various methods, apparatuses/systems, and media for automatically extracting information from unstructured data are provided. A receiver receives digitized data of a document having unstructured data format. A processor applies machine learning models for sectioning the digitized data. An OCR device applies an OCR processing to the sectioned digitized data. The processor matches the sectioned digitized data to patterns and rules; applies classification models to the matched digitized data to identify entities and events from the sectioned digitized data; automatically link each entity with corresponding event in a hierarchical format to generate a document having structured data format; and output the document having the structured data with metadata having the linked entity with corresponding event in the hierarchical format to downstream applications.

There is provided a means for utilizing a trust, providing a condition for determining as beneficiary, and being capable of changing the beneficiary when the condition are not fulfilled. The means includes: a first storage means configured to store first trust information that is information regarding that a stock option has been entrusted from a trustor to a first trustee; a determination means configured to determine fulfillment of a determination condition for determining a temporary person to be granted in a trust shown by the first trust information as a beneficiary; and a second storage means configured to store second trust information that is information regarding that the stock option related to the first trust information has been taken over from the first trustee to a second trustee in a case where the determination means determines that the beneficiary determination condition is not fulfilled.

An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.

This invention relates to a computer system for processing data related to fixed annuities and a crediting method.

A system and method for securing and authenticating legal documents and agency relationships to prevent each from being used to perpetrate fraud and financial abuse, including a network server having a processor and memory and an executable program with code stored in said memory and configured for bidirectional communication with a plurality of network connectable devices through the Internet to accept requests from notaries and registered members to register digital copies of wet signature legal documents.

An automated asset delivery system is provided that combines electronic investigative data methods with fintech payment systems to return assets to rightful asset owners. The system may be executed by dormant account holders prior to assets associated with the dormant accounts being escheated. The system can be configured to receive dormant account information, enrich the dormant account information through data discovered in public and private databases, automatically generate unique communications to each asset owner, verify the identity of the asset owner, and initiate electronic payment of the asset to the asset owner.

Some embodiments are directed to a regulatory compliance tool implemented via a back-end application computer server. A location based regulatory compliance data store may contain electronic records associated with a set of locations. Each electronic record may include, for example, an electronic record identifier and at least one regulatory compliance parameter. The computer server may receive, from a user via an interactive graphical user interface display, a set of task indications associated with regulatory compliance. The computer server may also receive, from the user, a selected location from a set of potential locations. The computer server may then retrieve, from the location based regulatory compliance data store, information about the at least one regulatory compliance parameter associated with the selected location. The computer server may then update the display based on the retrieved information about the at least one regulatory compliance parameter associated with the selected location.

Systems and methods are provided for providing one or more recipients with instructions on how to distribute proceeds with one or more named beneficiaries. The method includes opening, on an electronic device, a digital application configured to enable a user to input information pertaining to how to distribute the proceeds, inputting, using a graphical user interface coupled to the electronic device, the information pertaining to how to distribute the proceeds, generating a form using the information pertaining to how to distribute the proceeds, inputting, using the graphical user interface, one or more recipients of the form, sending the form to the one or more recipients, and sending an alert to the user to update information pertaining to how to distribute the proceeds at a conclusion of a time interval.