Abstract: A system and method for analyzing wearable sensor data in reconciliation with calendar entry data. A computer processor is coupled to a user configurable calendar system and a user wearable device. The processor detects one or more user activity events from one or more electronic wearable devices associated with the user and detects one or more user calendar events from a user configurable calendar system. The processor is configured to determine a course of action to be taken by the user based upon the one or more calendar events and the detected one or more user events.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.

Abstract: The present disclosure relates generally to safety lighting devices for automotive vehicles. A safety lighting system coupled to an automotive vehicle includes a power source that is independent of an electrical system of the vehicle. The system also includes a lighting feature electrically coupled to the power source, wherein the lighting feature is configured to activate in response to an impact event.

Abstract: The present disclosure relates generally to safety lighting devices for automotive vehicles. A safety lighting system coupled to an automotive vehicle includes a power source that is independent of an electrical system of the vehicle. The system also includes a lighting feature electrically coupled to the power source, wherein the lighting feature is configured to activate in response to an impact event.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: This application relates to methods and systems for managing and distributing currency. One system includes modularized components and interacts with a user via the user's cell phone. The user may authenticate to the system via a password and biometrics, pre-stage interactions such as deposits or withdrawals, and then conduct a transaction. The system may also analyze the documents, such as currency and/or checks, that are deposited with the system, and determine whether they are valid.

Abstract: The present disclosure relates generally to safety lighting devices for automotive vehicles. A safety lighting system coupled to an automotive vehicle includes a power source that is independent of an electrical system of the vehicle. The system also includes a lighting feature electrically coupled to the power source, wherein the lighting feature is configured to activate in response to an impact event.

Abstract: A method of utilizing a processing device to manage a currency-management system. A characteristic of a user is identified by utilization of a first sensor which is associated with the user. A state of a first currency dispenser is identified through utilization of a second sensor which is associated with the currency dispenser. Based on at least one of the characteristic and the state, information is identified to send to the user. Information is caused to be output from a user device.

Abstract: Click-to-callback provides an icon or link on a webpage that a user can select or click on. When the icon or link is clicked or otherwise selected, the user is provided with a list of his phone numbers to choose from, or a blank field to enter an alternate number, for an immediate return call from a representative of the entity (e.g., the company) associated with the webpage. When this request is submitted, the representative desirably calls the user back immediately (e.g., within about 10 seconds) to provide assistance. Thus, the user remains on the website, and gets the help he desires to continue on the website, which may, for example, lead to the user making an online purchase.

Abstract: This application relates to methods and systems for managing and distributing currency. One system includes modularized components and interacts with a user via the user's cell phone. The user may authenticate to the system via a password and biometrics, pre-stage interactions such as deposits or withdrawals, and then conduct a transaction. The system may also analyze the documents, such as currency and/or checks, that are deposited with the system, and determine whether they are valid.

Abstract: The present disclosure provides systems, methods, and machine-readable media for assessing potential water damage. One or more embodiments include surveying a structure with a sensor in communication with a mobile computing device, generating a model of the structure based on the survey of the structure, simulating water movement in relation to the structure to determine a potential for water damage to the structure, and determining whether to purchase flood insurance for the structure based on the simulation of the water movement in relation to the structure.

Abstract: A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.

Abstract: The availability of one or more agents of an institution to communicate with a user may be determined and reported to the user. Information pertaining to whether at least one of a plurality of agents is available to communicate with a user is determined. A number of selectable agent characteristics is provided to the user. A selection of at least two of a plurality of the selectable agent characteristics is received from the user, as is a priority ordering of the selectable agent characteristics. A call is established between the user and the at least one of a plurality of agents based on the information and the priority ordering. Call volume statistics may be provided to the user and may be used to determine when an agent is most likely unavailable and/or most likely available.

Abstract: A system has a plurality of communications devices within a geographic area. Each device is capable of communicating from within the geographic area with any other device proximate the device, and is also capable of communicating from within the geographic area with a communications service having access to an area external to the geographic area if such communications service is operational and available to the device. At least one of the devices is a gateway device that communicates from within the geographic area with the communications service, and at least some of the devices are non-gateway devices that communicate from within the geographic area with the gateway device. Each non-gateway device communicates from within the geographic area with the area external thereto by way of the gateway device and the communications service communicated with by the gateway device.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.

Abstract: The availability of one or more agents of an institution to communicate with a user may be determined and reported to the user. An application on a user computing device may provide an indication as to how many agents are currently available to speak with the user and/or a wait time until an agent becomes available. The user computing device may display a call icon that the user may select to place a call to an available agent. The user computing device may display a call icon that the user may select to receive a callback from an available agent. Call volume statistics may be provided to the user and may be used to determine when an agent is most likely unavailable and/or most likely available.

Abstract: A shell device with minimal software and/or hardware resources can download from a server configuration information and/or user data in order to allow the shell device to communicate with other computing devices (whether cell phones, personal digital assistants, laptops, and the like). Various security features can also be used herein, including a shell device password and a server network access password. In another aspect, any time code and/or data is downloaded from the server to the shell device, such code and/or data resides on the shell device during the time of a communication between the server and the shell device; thereafter, it can be deleted, thereby returning the shell device to its minimalistic resource state. When the shell device contacts the server again and attempts to establish another communication, such code and/or data can be downloaded anew, and after the communication it can be deleted again.

Abstract: A user may access a website via a mobile channel using a mobile device. As the user is logged into the website, the user may call or otherwise contact a representative via another communications channel with the mobile device or another user device, such as a phone or a user computing device or another mobile device. An emulator engine may determine the type of mobile device that the user is using to access the website via the mobile channel. An emulator for the mobile device that has been determined may be retrieved from an emulator library and provided to the representative computing device. The representative may view the same user interface on the representative computing device that the user sees on the mobile device.