Abstract: An app designed to prevent using distracting phone functionality, including texting, on a mobile phone while driving a vehicle is disclosed. The app detects and measure attributes including the phone's orientation and change of orientation and expresses them in a coordinate system relative to the direction of motion of the vehicle. If the phone orientation is found to be consistent with a change in direction of the vehicle, or the axis of rotation of the phone is found to be consistent with itself over time, the distracting phone functionality is disabled.

Abstract: An app designed to prevent using distracting phone functionality, including texting, on a mobile phone while driving a vehicle is disclosed. The app detects and measure attributes including the phone's orientation and change of orientation and expresses them in a coordinate system relative to the direction of motion of the vehicle. If the phone orientation is found to be consistent with a change in direction of the vehicle, or the axis of rotation of the phone is found to be consistent with itself over time, the distracting phone functionality is disabled.

Abstract: An app designed to prevent using distracting phone functionality, including texting, on a mobile phone while driving a vehicle is disclosed. The app first detects a speed at which the phone is travelling. If the speed is above a threshold, typically 5 mph the user is given a challenge that require either that both hands, or both eyes, are required on the phone. If the challenge is not met, the user is assumed to be the driver and the distracting phone functionality, including texting, is disabled. If the challenge is met, the user is assumed to be a passenger and the distracting phone functionality, including texting remains enabled.

Abstract: An app designed to prevent using distracting phone functionality, including texting, on a mobile phone while driving a vehicle is disclosed. The app first detects a speed at which the phone is travelling. If the speed is above a threshold, typically 5 mph the user is given a challenge that require either that both hands, or both eyes, are required on the phone. If the challenge is not met, the user is assumed to be the driver and the distracting phone functionality, including texting, is disabled. If the challenge is met, the user is assumed to be a passenger and the distracting phone functionality, including texting remains enabled.

Abstract: A consolidation system for consumer gift cards, prepaid purchase cards or loyalty accounts which allows the consumer the flexibility to maintain account with a variety of independent merchants, each account individually tabulated, and access to each account available from a single unitary universal membership card.