Abstract: A method, system and apparatus for wireless device communication. A wireless device may be engaged in a wireless data communication session within a local geographic region. The wireless device may be tracked within the local geographic region. The targeted information may be provided to the wireless device regarding the local geographic region based on the tracking of the wireless device.

Abstract: A system, method, and computer-usable medium are disclosed for improved processing of calls within an interactive voice response (IVR) system. An inbound call comprising a call origination identifier is received by a call processing module, which uses the call origination identifier to retrieve call record and call processing information associated with a prior call session. The call record and call processing information is processed to determine the state of the prior call session and its point of termination when it was terminated. If the point of termination was associated with a human operator, then the call processing module determines whether the same human operator is available. If not, the user is provided a choice of call session options including being placed in a hold queue until the same or another human operator is available, requesting a return call from a human operator, or selecting another call session process.

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: A system, method, and computer-usable medium are disclosed for masking the identity of a human agent by transforming a live video transmission into a persona video transmission. A request is received from a user for a videoconference with a human agent. A persona is selected and associated with a human agent. The videoconference is then conducted, using data associated with the persona to transform the live video transmission of the human agent into a persona video transmission, which is correlated to the live video transmission.

Abstract: A system, method, and computer-usable medium are disclosed for improved processing of calls within an interactive voice response (IVR) system. An inbound call comprising a call origination identifier is received by a call processing module, which uses the call origination identifier to retrieve call record and call processing information associated with a prior call session. The call record and call processing information is processed to determine the state of the prior call session and its point of termination when it was terminated. If the point of termination was associated with a human operator, then the call processing module determines whether the same human operator is available. If not, the user is provided a choice of call session options including being placed in a hold queue until the same or another human operator is available, requesting a return call from a human operator, or selecting another call session process.

Abstract: A method for modeling insurance coverage includes providing a processor, providing a memory coupled to the processor and including data related to a plurality of claims, and quoting, using the processor, a first insurance policy having coverage limits. The method also includes displaying within a user interface, a first plurality of claim scenario parameters for the first insurance policy, displaying a disparity between the coverage limits of the first insurance policy and the first plurality of claim scenario parameters, and quoting, using the processor, a second insurance policy. The method further includes displaying, within the user interface, a second plurality of claim scenario parameters for the second insurance policy and displaying a disparity between the coverage limits of the second insurance policy and the second plurality of claim scenario parameters.

Abstract: A method of providing an insurance policy for a home includes providing a computer having a processor and deploying a plurality of sensors in a vicinity of the home. The method also includes receiving data from the plurality of sensors. The data includes information related to environmental factors associated with the home. The method further includes transmitting the information related to the environmental factors to the computer, computing, by the processor, a fire risk associated with the home using the information, and computing, by the processor, an insurance premium for the insurance policy using the computed fire risk.

Abstract: A method for analyzing insurance coverage disparities includes providing a processor, providing a memory including data related to a plurality of claims, and generating a claim scenario, using the processor and the data related to the plurality of claims. The claim scenario includes monetary amounts for damage to property and injury to a person. The method also includes computing, a coverage disparity between at least one of a coverage limit of a policy associated with damage to property and the monetary amount for damage to the property or a coverage limit of the policy associated with injury to the person and the monetary amount for the injury to the person. The method further includes transmitting information for display, within a user interface, the coverage disparity and transmitting information for display, within the user interface, a coverage disparity for a peer group associated with the policy.

Abstract: A system implemented on one or more processors for automatically disabling mobile device usage while driving may comprise at least one subsystem configured for determining whether a mobile device is traveling at a speed greater than a predetermined threshold and at least one subsystem configured for disabling a functionality of the mobile device if it is determined that the mobile device is traveling at a speed greater than the predetermined threshold. The at least one subsystem configured for determining whether a mobile device is traveling at a speed greater than a predetermined threshold may comprise at least one subsystem configured for receiving output data from an accelerometer on the mobile device and at least one subsystem configured for using said data to determine a current speed of the mobile device.

Abstract: A system, method, and computer-usable medium are disclosed for masking the identity of a human agent by transforming a live video transmission into a persona video transmission. A request is received from a user for a videoconference with a human agent. A persona is selected and associated with a human agent. The videoconference is then conducted, using data associated with the persona to transform the live video transmission of the human agent into a persona video transmission, which is correlated to the live video transmission.

Abstract: A system, method, and computer-usable medium are disclosed for providing multi-factor authentication with a wearable user authentication factor. A multi-factor authentication module is implemented to use a plurality of authentication factors, including a unique tag identifier associated with an electronic tag embedded within a wearable article, such as a ring or watch, for the authentication of a user. A user of a wearable user authentication factor approaches a multi-factor terminal, which detects the electronic tag and reads its unique identifier. The user is then requested to provide a predetermined biometric feature, such as a fingerprint, to a biometric reader. The biometric feature is processed to generate a unique biometric identifier. The unique identifier of the electronic tag and the unique biometric identifier is then submitted to a multi-factor authentication module, which compares it to authentication information associated with the user.

Abstract: A method, system and computer-usable medium are disclosed for managing purchase, billing, and payment transactions. A unique identifier of a consolidated purchase card account, issued by a service provider to a user, is accepted by a plurality of vendors as a proxy of the unique identifier of their own vendor-issued purchase card account. Purchase transactions resulting from acceptance of the consolidated purchase card account are processed to produce an individual billing statement for each vendor. The individual billing statements are aggregated into a consolidated billing statement by the service provider, which is then presented to the user on behalf of each vendor. The user reviews the consolidated billing statement and provides payment instructions to the service provider. The payment instructions are processed to pay funds from a funding account of the user to each respective vendor.

Abstract: A method for modeling insurance coverage includes displaying within a user interface, claim scenario parameters for an insurance policy issued to a member, wherein the insurance policy includes a coverage limit associated with damage to the property and injury to the person. The method also includes receiving a value associated with each of the plurality of claim scenario parameters, generating a claim scenario, using the processor, the data related to the plurality of claims, and the values associated with each of the plurality of claim scenario parameters, and generating, using the processor and the claim scenario, a plurality of coverage parameter disparities including a difference between the coverage limit associated with damage to the property and the monetary amount for the damage to the property and a difference between the coverage limit associated with injury to the person and the monetary amount for the injury to the person.

Abstract: A method, system and computer-usable medium are disclosed for managing purchase, billing, and payment transactions. A unique identifier of a consolidated purchase card account, issued by a service provider to a user, is accepted by a plurality of vendors as a proxy of the unique identifier of their own vendor-issued purchase card account. Purchase transactions resulting from acceptance of the consolidated purchase card account are processed to produce an individual billing statement for each vendor. The individual billing statements are aggregated into a consolidated billing statement by the service provider, which is then presented to the user on behalf of each vendor. The user reviews the consolidated billing statement and provides payment instructions to the service provider. The payment instructions are processed to pay funds from a funding account of the user to each respective vendor.

Abstract: A method, system and computer-usable medium are disclosed for modeling recommended insurance coverage. Coverage parameters of a policy are displayed as graphical elements within a user interface (UI) of a computing device along with a plurality of claim scenario parameters for selection by a user. Once selected, the claim scenario parameters are applied to relevant claim data and a claim scenario is generated. The claim scenario is then applied to the policy coverage parameters of the policy to determine and graphically display coverage parameter disparities, which then graphically modified to offset any coverage parameter disparities. As coverage parameters are modified, corresponding adjustments to the premium of the current policy are made and displayed within the UI. Recommendations for modifying the coverage parameters are provided by help windows, an assistance wizard, or live help. An analysis of competitive policies with equivalent coverage is performed and an optimum policy choice is recommended.

Abstract: A method, system and computer-usable medium are disclosed for modeling recommended insurance coverage. Coverage parameters of a policy are displayed as graphical elements within a user interface (UI) of a computing device along with a plurality of claim scenario parameters for selection by a user. Once selected, the claim scenario parameters are applied to relevant claim data and a claim scenario is generated. The claim scenario is then applied to the policy coverage parameters of the policy to determine and graphically display coverage parameter disparities, which then graphically modified to offset any coverage parameter disparities. As coverage parameters are modified, corresponding adjustments to the premium of the current policy are made and displayed within the UI. Recommendations for modifying the coverage parameters are provided by help windows, an assistance wizard, or live help. An analysis of competitive policies with equivalent coverage is performed and an optimum policy choice is recommended.

Abstract: A method, system and computer-usable medium are disclosed for the modeling of insurance coverage. Coverage parameters of a policy are displayed as graphical elements within a user interface (UI) of a computing device along with a plurality of claim scenario parameters for selection by a user. Once selected, the claim scenario parameters are applied to relevant claim data and a claim scenario is generated. The claim scenario is then applied to the policy coverage parameters of the policy to determine and graphically display coverage parameter disparities, which are then graphically modified to offset any coverage parameter disparities. As coverage parameters are modified, corresponding adjustments to the premium of the current policy are made and displayed within the UI. A resulting policy is generated, using the modified coverage parameters of the current policy and adjusted premiums, and then fulfilled, electronically or physically.

Abstract: A method, system and computer-usable medium are disclosed for the modeling of insurance coverage. Coverage parameters of a policy are displayed as graphical elements within a user interface (UI) of a computing device along with a plurality of claim scenario parameters for selection by a user. Once selected, the claim scenario parameters are applied to relevant claim data and a claim scenario is generated. The claim scenario is then applied to the policy coverage parameters of the policy to determine and graphically display coverage parameter disparities, which are then graphically modified to offset any coverage parameter disparities. As coverage parameters are modified, corresponding adjustments to the premium of the current policy are made and displayed within the UI. A resulting policy is generated, using the modified coverage parameters of the current policy and adjusted premiums, and then fulfilled, electronically or physically.

Abstract: A method, system and computer-usable medium are disclosed for the modeling of insurance coverage. Coverage parameters of a policy are displayed as graphical elements within a user interface (UI) of a computing device along with a plurality of claim scenario parameters for selection by a user. Once selected, the claim scenario parameters are applied to relevant claim data and a claim scenario is generated. The claim scenario is then applied to the policy coverage parameters of the policy to determine and graphically display coverage parameter disparities, which are then graphically modified to offset any coverage parameter disparities. As coverage parameters are modified, corresponding adjustments to the premium of the current policy are made and displayed within the UI. A resulting policy is generated, using the modified coverage parameters of the current policy and adjusted premiums, and then fulfilled, electronically or physically.

Abstract: A method, system and computer-usable medium are disclosed for the modeling of insurance coverage. Coverage parameters of a policy are displayed as graphical elements within a user interface (UI) of a computing device along with a plurality of claim scenario parameters for selection by a user. Once selected, the claim scenario parameters are applied to relevant claim data and a claim scenario is generated. The claim scenario is then applied to the policy coverage parameters of the policy to determine and graphically display coverage parameter disparities, which are then graphically modified to offset any coverage parameter disparities. As coverage parameters are modified, corresponding adjustments to the premium of the current policy are made and displayed within the UI. A resulting policy is generated, using the modified coverage parameters of the current policy and adjusted premiums, and then fulfilled, electronically or physically.