Abstract: An access to resources and data management by servers is provided. In order to provide to users a universal access point to an application, while allowing a strict control of the ownership and localization of data, a first device receives from a user a request to access a resource, and, if the user has the right to access a resources, sends to the user an identifier of a communication endpoint of a second device, among a plurality of second devices, that is able to access the resource and deliver the resource to the client.

Abstract: An access to resources and data management by servers is provided. In order to provide to users a universal access point to an application, while allowing a strict control of the ownership and localization of data, a first device receives from a user a request to access a resource, and, if the user has the right to access a resources, sends to the user an identifier of a communication endpoint of a second device, among a plurality of second devices, that is able to access the resource and deliver the resource to the client.

Abstract: Described is a computerized system for offering financing to applicants seeking financing for the purchase of real estate. The system comprises gathering information from the applicants regarding the applicants and the real estate; calculating, with computerized software, a separation insurance policy premium for the applicants based upon this and other information; determining the insurance policy price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the applicants; if the applicants accept, entering into a legally binding agreement memorializing the separation insurance policy; periodically and regularly charging the calculated periodic amount to the applicants; and administering the separation insurance in such a manner that, upon divorce or legal separation of the applicants, payments are made on behalf of the applicants for the real estate.

Abstract: Described is a system for offering financing to a couple seeking financing for the purchase of real estate, the improvement comprising gathering information from the couple regarding the couple and the piece of residential real estate; calculating, with computerized software, a divorce insurance policy premium for the couple based upon this and other information; determining the insurance policy premium's price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the couple; if the couple accepts, creating a legally binding document memorializing the mortgage insurance policy, wherein the legally binding document sets forth terms and conditions of the mortgage insurance policy; transmitting the completed, legally binding document to the couple; periodically and regularly charging the calculated periodic amount to the couple; and administering the mortgage insurance policy in such a manner that, upon divorce or legal separation of the couple, paying damages arisi