Abstract: A computer-implemented method includes creating a premiums escrow, with a zero balance, for a group of policyholders and managed using a distributed ledger and self-executing agreement. At a term beginning, the self-executing agreement receives premium payments sing cryptocurrency from each policyholder and allocates the premium payments to the premiums escrow. During the term the self-executing agreement receives a notification of an incident claim associated with a claimant policyholders. At a term end, the self-executing agreement receives payment instructions from the policyholders; pays, using cryptocurrency from the premiums escrow, the claimant an incident claim payment larger than the premium payment and determined according to the payment instructions; and distributes to the policyholders a rebate payment equal to or lower than the premium payment from the premiums escrow, which returns to a zero balance.

Abstract: A computer-implemented method includes creating a premiums escrow, with a zero balance, for a group of policyholders and managed using a distributed ledger and self-executing agreement. At a term beginning, the self-executing agreement receives premium payments using cryptocurrency from each policyholder and allocates the premium payments to the premiums escrow. During the term the self-executing agreement receives a notification of an incident claim associated with a claimant policyholder. At a term end, the self-executing agreement receives payment instructions from the policyholders; pays, using cryptocurrency from the premiums escrow, the claimant an incident claim payment larger than the premium payment and determined according to the payment instructions; and distributes to the policyholders a rebate payment equal to or lower than the premium payment from the premiums escrow, which returns to a zero balance.

Abstract: In certain embodiments, a system includes a processor and non-transitory computer-readable medium storing instructions that, when executed, cause the processor to perform operations including depositing, for each of multiple group members, a payment to a first cryptocurrency address for the member, the payment corresponding to an amount withheld from a wage payment to the member. Each member has a respective device, and each first cryptocurrency address has a corresponding private key stored on the member's device. The operations include receiving an approved benefit request for a requesting member, and communicating, in response to the approved request, an instruction to each device that causes use of the private key on the device to initiate a transfer of a partial benefit claim payment from the device's first cryptocurrency address to a computer-implemented hub for depositing to a second cryptocurrency address of the requesting member according to a ruleset enforced by the hub.

Abstract: According to an embodiment, a rivet includes a first cap having a front side and a back side. The first cap includes a compressed region or a slotted region between a first edge of the first cap and a second edge of the first cap, a unique identifier on the front side of the first cap, a protruding portion extending from a central region on the back side of the first cap, a foam layer adhered to the back side of the first cap with a first layer of adhesive, and a protective film adhered to the foam layer with a second layer of adhesive.

Abstract: According to an embodiment, a rivet includes a first cap having a front side and a back side. The first cap includes a compressed region or a slotted region between a first edge of the first cap and a second edge of the first cap, a unique identifier on the front side of the first cap, a protruding portion extending from a central region on the back side of the first cap, a foam layer adhered to the back side of the first cap with a first layer of adhesive, and a protective film adhered to the foam layer with a second layer of adhesive.

Abstract: A computer-implemented method includes creating a premiums escrow, with a zero balance, for a group of policyholders and managed using a distributed ledger and self-executing agreement. At a term beginning, the self-executing agreement receives premium payments sing cryptocurrency from each policyholder and allocates the premium payments to the premiums escrow. During the term the self-executing agreement receives a notification of an incident claim associated with a claimant policyholders. At a term end, the self-executing agreement receives payment instructions from the policyholders; pays, using cryptocurrency from the premiums escrow, the claimant an incident claim payment larger than the premium payment and determined according to the payment instructions; and distributes to the policyholders a rebate payment equal to or lower than the premium payment from the premiums escrow, which returns to a zero balance.

Abstract: According to an embodiment, a processing network is configured to access a reputation system, provide a first user interface, provide a second user interface, receive a request from a user through the second user interface, retrieve user information from the reputation system, assign a plurality of human intelligence tasks based on the request, receive a plurality of results from the plurality of human intelligence tasks, confirm an identity and a status of the user based on the user information and the plurality of results, execute the request based on confirming the identity and the status of the user, and store evidence of execution of the request as an immutable data entry in a permanent database. The first user interface includes information from the reputation system, and the plurality of human intelligence tasks are assigned to a plurality of participants through the first user interface.

Abstract: According to an embodiment, a processing network is configured to access a reputation system, provide a first user interface, provide a second user interface, receive a request from a user through the second user interface, retrieve user information from the reputation system, assign a plurality of human intelligence tasks based on the request, receive a plurality of results from the plurality of human intelligence tasks, confirm an identity and a status of the user based on the user information and the plurality of results, execute the request based on confirming the identity and the status of the user, and store evidence of execution of the request as an immutable data entry in a permanent database. The first user interface includes information from the reputation system, and the plurality of human intelligence tasks are assigned to a plurality of participants through the first user interface.