Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account. A confirmation of the transfer may be provided to the merchant and the purchaser, after which, the transaction may be completed at the merchant POS device where a receipt is printed and provided to the purchaser.

Abstract: A system, method, and computer-usable medium are disclosed for the concurrent display of information between devices. A co-browsing module is implemented to provide concurrent display of information displayed within a Web browser on a mobile device. A co-browsing module implemented on a stationary system queries a co-browsing module implemented on the mobile device to collect information including the device's hardware configuration, the network communications protocol being used, and a session number. The collected information is then used by the co-browsing module on the stationary system to establish a co-browsing session with the co-browsing module on the mobile device. The co-browsing module on the mobile device then provides web display information to the co-browsing module on the CSR's system to control the concurrent display of Web information displayed on the mobile device.

Abstract: A social network for shopping may be provided in which a user may provide a listing of an item they would like and the identity of a seller the item may be retrieved from. Another user may agree to pick up the item from the seller and deliver the item, perhaps for a small fee. The listing of the item may be posted on a website, sent to other users by a web feed such as RSS, sent by a text message, instant message, email, or communicated in any other manner to one or more users, etc. Alternatively, a user may post the identity of a seller that they are going to and ask if any users would like any items picked up from the seller and delivered to them, perhaps for a small fee.

Abstract: A system for facilitating assistance requests may comprise at least one subsystem that receives an assistance request from a requester, at least one subsystem that identifies a current location of the requester, and at least one subsystem that identifies members of an assistance network that are within a particular area relative to the current location of the requester.

Abstract: A method of operating a home inventory and insurance system includes providing a processor, providing a home inventory database coupled to the processor, and providing an insurance database coupled to the processor. The method also includes receiving data related to an item purchased by a user, determining, using the processor and the insurance database, a policy cap for an insurance policy associated with the user, and determining, using the processor and the insurance database, that adding the item to the insurance policy will result in a value of items covered by the insurance policy exceeding the policy cap by a predetermined amount. The method further includes providing, using the processor, an insurance quote for an updated insurance policy having a new policy cap greater than or equal to the policy cap plus the predetermined amount.

Abstract: An institution system may approve a user for a financial card. The institution system may notify the user that an application for the financial card has been approved and may advise the user to go to an automated teller machine (ATM) to obtain the financial card. The ATM may generate a financial card and issue the financial card to the user. The financial card generated and issued by the ATM may be a newly issued card for the user, a card customized by the user, or a replacement card issued for the user.

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 an other 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: A system for automated house damage detection and reporting may comprise at least one subsystem configured for receiving a damage detection signal detecting potential damage to a building from at least one sensor operably connected to the building, and at least one subsystem configured for automatically communicating damage detection data using the received damage detection signal to a remote system outside the building for further analysis.

Abstract: A system for inventorying an item may comprise at least one subsystem that creates a mark on the item with a substance that comprises RFID tags, at least one subsystem that reads a plurality of the RFID tags on the mark, at least one subsystem that determines how many RFID tags were read on the mark, at least one subsystem that assigns an identifier for the item, and at least one subsystem that associates the identifier with how many RFID tags were read on the mark.

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.

Abstract: A person may store food to prepare for an emergency. An insurance policy may be issue to cover the stored food against loss, theft, spoilage, etc. In issuing the insurance policy and setting the premium, the insurer may take various factors into account, such as the type of food to be stored (e.g., canned, dried, etc.), where the food is to be stored (e.g., a cellar, a closet, a food locker, etc.), and whether the stored food is rotated with new food to prevent the stored food from spoiling due to age. During the life of the insurance policy, the insurer may issue alerts to the policyholder in order to advise the policyholder to rotate old food out of storage.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: Methods and systems for interface presentation are described. A user interface for the user may be selected among a plurality of available user interfaces in accordance with the personal characteristic information. A user access profile level for the user may be selected among a plurality of available user access profile levels in accordance with the personal characteristic information. Product information may be selected in accordance with the age data.

Abstract: Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

Abstract: Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.

Abstract: Information may be received regarding items purchased or otherwise acquired by a user, and the items may be added to an electronic home inventory maintained by an institution system and the items may be added to an insurance policy issued by the institution system. The institution system may receive information about an item from the merchant who sold the item, an appraiser, the user, from a barcode that is provided on the receipt associated with the purchase, by a barcode generated by the user (e.g., using data from the receipt and other information from the user), and/or via data from a financial card transaction directed to the purchase. The user may be provided with a listing of the items, and can select which items are to be included in the home inventory and which items are to be added to an insurance policy.