Abstract: Techniques are described for providing insurance coverage for a virtual wallet stored on a computing device. The virtual wallet has a value equal to a sum of assigned values of a plurality of virtual financial assets included in the virtual wallet. A user of the computing device purchases an insurance policy for the virtual wallet with an insured amount based on the value of the virtual wallet. The computing device is configured to send messages to an insurance server reporting an updated value of the virtual wallet based on changes to the assigned values of the virtual financial assets. The insurance server updates the insured amount of the insurance policy based on the updated value of the virtual wallet. Upon the virtual wallet being compromised, the insurance policy has an insured amount equal to the most recent updated value of the virtual wallet.

Abstract: Surreptitious communication with a user is disclosed by way of binary tactile inputs and outputs. A communication module of a computing device receives a first alphanumeric message that is converted to a first binary coded message that is rendered as first and second vibration outputs that are humanly distinguishable. A touch input component of one of a touch screen and a motion sensor detects a sequential pattern of user touches. Distinguished first and second tactile inputs in the sequential pattern identify a second binary coded message that is converted into a second alphanumeric message. First and second alphanumeric messages are comprised of a combination of characters selected from one or more of: (i) letters; (ii) numerals; and (iii) symbols.

Abstract: Techniques are described for providing insurance coverage for a virtual wallet stored on a computing device. The virtual wallet has a value equal to a sum of assigned values of a plurality of virtual financial assets included in the virtual wallet. A user of the computing device purchases an insurance policy for the virtual wallet with an insured amount based on the value of the virtual wallet. The computing device is configured to send messages to an insurance server reporting an updated value of the virtual wallet based on changes to the assigned values of the virtual financial assets. The insurance server updates the insured amount of the insurance policy based on the updated value of the virtual wallet. Upon the virtual wallet being compromised, the insurance policy has an insured amount equal to the most recent updated value of the virtual wallet.

Abstract: A mobile device, computer program recording medium and method support surreptitious communication with a user via a mobile device via binary tactile inputs and outputs. A communication module of the mobile devices receives a first alphanumeric message that is converted to a first binary coded message that is rendered as first and second vibration outputs that are humanly distinguishable. A touch input component of one of a touch screen and a motion sensor detects a sequential pattern of user touches. Distinguished first and second tactile inputs in the sequential pattern identify a second binary coded message that is converted into a second alphanumeric message. First and second alphanumeric messages are comprised of a combination of characters selected from one or more of: (i) letters; (ii) numerals; and (iii) symbols.

Abstract: Techniques are described for providing insurance coverage for a virtual wallet stored on a computing device. The virtual wallet has a value equal to a sum of assigned values of a plurality of virtual financial assets included in the virtual wallet. A user of the computing device purchases an insurance policy for the virtual wallet with an insured amount based on the value of the virtual wallet. The computing device is configured to send messages to an insurance server reporting an updated value of the virtual wallet based on changes to the assigned values of the virtual financial assets. The insurance server updates the insured amount of the insurance policy based on the updated value of the virtual wallet. Upon the virtual wallet being compromised, the insurance policy has an insured amount equal to the most recent updated value of the virtual wallet.