Abstract: Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.

Abstract: A mobile automobile information system and methods are described. Data such as images may be captured from a vehicle dealer sticker with a mobile device and analyzed. The sticker may contain machine-readable information such as a barcode. The collected data may be analyzed to determine vehicle and vehicle related information. Dealer information and vehicle purchase related information may also be generated. The results of the analysis may be provided to the user's mobile device. Purchase assistance may be provided to the user through the mobile device, answering user inquiries and providing vehicle purchase information to the user during the purchase process.

Abstract: A method, system and computer-usable medium are disclosed for the processing of information collected by a mobile device at the site of an incident. An incident information processing system, comprising an incident location information module, receives incident information provided in a communication originated from a mobile device. The received incident information is processed by the incident location information module to provide location information, which is then used to provide incident response services. Image and audio information relating to the incident are likewise provided by the mobile device for processing into incident information. Incident statement questions are generated by the incident information processing system and are then presented via the mobile device for response by various parties associated with the incident. Responses to the questions are collected via the mobile device, processed into incident statements, and stored in the incident information and claims repository.

Abstract: Various mechanisms are provided herein for automated institutional processing of payments. For example, fund can be transferred from one party to another party by transfer of funds from a static account into a dynamically created transaction account. Such a transfer can have additional features, including the refunding of the transfer funds and revocation thereof. According to another example, insurance claims can be automatically processed by transferring funds when claims are filed (with or without evidentiary documents). Such transfers can then be validated afterwards. Thus, when claims are received, they can be quickly examined for the relevant fields, such as claim amount, and then the amount can be disbursed in a matter of minutes after receiving a claim submission. Such disbursement, moreover, can be governed according to various heuristics, including the trustworthiness of claimants and rules regarding maximum disbursement amounts.

Abstract: Mechanisms for virtual banking are disclosed herein that provide experiences to users as if they were actually interacting with a branch office bank. For instance, virtual lockboxes are provided to users, and users can fill these lockboxes with the type of digital data that would traditionally be placed in a branch office bank lockbox. Birth certificates, social security numbers, wills, etc., can be uploaded from a user's remote computing device to a server associated with a bank. In another aspect, currency cards are disclosed that mimic cash withdrawal (or deposit) transactions users might engage in at typical branch offices. For example, users can download money from a bank server onto a currency card located at some remote location (or, alternatively, upload money from the card to the server, which would amount to a deposit being made to the bank).

Abstract: Methods, systems and computer readable instructions to provide unbiased real property information to an end-user based on the location of the end-user when the end-user initiates a request for the real property information. The real property information is unbiased because the provider of the real property information searches for information that may adversely affect a potential transaction and provides the information found in the search regardless of the potential effect on a transaction.

Abstract: To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.

Abstract: To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.