Abstract: Global identity contexts are established for unique constituents to interact with a cloud architecture through a variety of relationships. The global identity context enables a particular constituent to access services from different cloud-service providers in a secure and simplified manner. Authenticating one account can provide access to services associated with other accounts linked to the global identity context for the authenticated account. In some embodiments, the global identity platform includes an account management application and an identity management application. The account management application is configured to register one or more accounts for each constituent. The identity management application is configured to perform individualization to establish an individual identifier for each unique constituent and map each account to a particular individual identifier and one or more local identifiers.

Abstract: Global identity contexts are established for unique constituents to interact with a cloud architecture through a variety of relationships. The global identity context enables a particular constituent to access services from different cloud-service providers in a secure and simplified manner. Authenticating one account can provide access to services associated with other accounts linked to the global identity context for the authenticated account. In some embodiments, the global identity platform includes an account management application and an identity management application. The account management application is configured to register one or more accounts for each constituent. The identity management application is configured to perform individualization to establish an individual identifier for each unique constituent and map each account to a particular individual identifier and one or more local identifiers.

Abstract: A system for real-time health care insurance underwriting is described comprising a quotation module, a verification module, and an underwriting module. The quotation module receives user input relating to a user's health status via an online user interface. The verification module verifies the user input against information stored in a database to form a list of inconsistencies and present the user via the online user interface with a request to validate at least some information within the user input. The underwriting module automatically creates a debit score based on one or more of at least a portion of the user input and the validated information and generates an underwriting decision based at least in part on the debit score. The quotation module presents one or more offers to sell insurance to the user via the online user interface, the one or more offers based on the underwriting decision.