Abstract: A method and system of increasing the security of requests to access funds from a joint bank account by secondary users to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict access of funds by secondary users per conditions defined by the primary user(s). A software application receives requests for funds from secondary users for use during a transaction to be performed at a specific merchant location. The application requires geodata that supports the proposed transaction, for example by inclusion of an image taken in which GPS data is embedded. The request will only be conveyed to the primary user if the system determines the embedded GPS data corresponds to the location of the merchant.

Abstract: A method and system of increasing the security of requests to access funds from a joint bank account by secondary users in order to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict the access of funds by secondary users per conditions defined by the primary user(s). An application can be accessed via a computing device that receives requests for funds from secondary users and requires the secondary user to also submit a digital image or video that supports their proposed transaction. The request will only be conveyed to the primary user if the necessary digital verification is received by the system.

Abstract: A system and method for locating electronic devices and establishing peer to peer communication with electronic devices, such as a currency exchange unit, using a beacon, is disclosed. The method may include determining a location of the currency exchange unit; generating a message indicating a location of the currency exchange unit and the availability of a variety of different currencies; and managing currency exchanges with various mobile devices.

Abstract: A system and method for automatically detecting if a vehicle safety system is being used by a driver is disclosed. The system and method use data gathered from one or more sensors in the vehicle. The data is analyzed to determine if the safety system is being used or disabled. The system can send reminders to a driver to use the safety system. The system and method can also automatically update a policy holder's insurance policy to reflect whether or not a safety system is being used.

Abstract: A system and method for locating mobile communication devices in a peer to peer communication using a beacon. The system and method include determining a first location of a first mobile communication device and transmitting the beacon from the first mobile communication device, which may be received by a second mobile computing device. In response to the beacon, the first mobile communication device may receive a message from a second mobile communication device. A peer to peer communication between the first mobile communication device and the second mobile communication device based on the message may be established. The first mobile communication device may receive a second location of the second mobile communication device from the second mobile communication device, and display both the first location and the second location on a map of the first mobile communication device.

Abstract: A system and method for automatically detecting a vehicle collision and taking action in response to the vehicle collision is disclosed. The vehicle collision can be detected by analyzing information from sensors onboard a vehicle, in a mobile device disposed within the vehicle or from roadway sensors. When a collision is detected, an insurance provider can automatically open a new insurance claim. The provider may also use sensed information to detect damaged components of a vehicle and provide information about the damaged components to a vehicle repair facility.

Abstract: A system and method for detecting if a vehicle is being parked in a garage is disclosed. The method includes detecting sensory information at a vehicle and comparing the sensory information with ambient conditions outside of a garage to determine if the vehicle is likely in the garage or outside. The sensory information may also be compared to ambient conditions inside of a garage to determine if the vehicle is likely inside the garage or not. The method also includes sending reminders to vehicle owners who are not using their garage frequently. The method also includes automatically adjusting an insurance policy according the frequency of garage use.

Abstract: The present disclosure relates to a system, method, and apparatus for securing electronic personal identifying information. The system enhances data privacy, by minimizing the amount of authentic personal identifying information that is shared with a third party. Namely, the system includes a database of known websites, apps, etc. that require personal identifying information to sign up—and then classifies whether any given type of information is strictly necessary to the functioning of the website. The system then generates placeholder “dummy” data for any fields that are required for signup, but are not strictly necessary for the website to function. The system allows for creation of several user profiles that vary the amount of authentic personal identifying information to be shared, based on the user's preferences. The system therefore helps to secure personal information in the event that, for example, the website later has a data breach.

Abstract: A smart lock box system is described. One implementation of the lock box system includes a locking mechanism configured to securely hold a cover over a compartment. The lock box system includes a receiver capable of receiving signals from a user device. The lock box system also includes a processor configured to identify an access message in a received signal, a service to verify that the access message was provided by an authorized party, and cause the locking mechanism to be released in response to verifying that the access message was provided by the authorized party. The open/close events are recorded in a distributed ledger to document which user's device was used to access a given property at a given time. Furthermore, the smart lock box system utilizes a push notification service, based on user device's GPS, to inform owners when to depart/return to the property.

Abstract: A system and method for dispatching messages from a user to at least one recipient over a telecommunications network is disclosed. The system includes a messaging system and an authentication system. The messaging system receives user messages, retrieves contact information for recipients on a user's contact list, and attempts to deliver messages to recipients on the list. The system may continue attempting to deliver messages to recipients until it finds a recipient who is available to receive the message. The authentication system is used to ensure the recipient is a person and not a machine. The messages could be audio messages delivered using a telephone network or messages delivered over an SMS network.

Abstract: A system and method for automatically detecting if a vehicle safety system is being used by a driver is disclosed. The system and method use data gathered from one or more sensors in the vehicle. The data is analyzed to determine if the safety system is being used or disabled. The system can send reminders to a driver to use the safety system. The system and method can also automatically update a policy holder's insurance policy to reflect whether or not a safety system is being used.

Abstract: A system and method for automatically detecting fences on a premises are disclosed. The system and method use image data gathered from one or more sources, including satellite images and images from ground-based cameras. The images are analyzed using a machine learning system to detect a fence. The system and method can also automatically update a policy holder's insurance policy to reflect the presence of a fence on the premises.

Abstract: A system and method for automatically detecting if a home alarm system is being used and/or actively monitored are disclosed. The system and method use data gathered from one or more sensors, including audio information from microphones. The audio information is analyzed using a machine learning system to determine if the alarm system is being regularly used and monitored. The system and method can also automatically update a policy holder's insurance policy to reflect whether or not an alarm system is being used.

Abstract: Disclosed herein are embodiments of systems, methods, and products comprises a server, which receives a request from a user's electronic client device. The server determines the authentication level of the request. If the authentication level satisfies a threshold, the server may route the request to a call center computing system; otherwise, the server authenticates the user based on the authentication level. Specifically, the server presents one or more security challenges corresponding to the authentication level and authorizes the user if the user correctly answers the security challenges. The server may receive a second request from the same user who has been authorized for the first authentication level. If the authentication level of the second request is higher, the server may present more security challenges on the second level; if the authentication level is lower, the server directly allows the access of the requested services.

Abstract: A system and method for detecting if a vehicle is being parked in a garage is disclosed. The method includes detecting sensory information at a vehicle and comparing the sensory information with ambient conditions outside of a garage to determine if the vehicle is likely in the garage or outside. The sensory information may also be compared to ambient conditions inside of a garage to determine if the vehicle is likely inside the garage or not. The method also includes sending reminders to vehicle owners who are not using their garage frequently. The method also includes automatically adjusting an insurance policy according the frequency of garage use.

Abstract: A smart lock box system is described. One implementation of the lock box system includes a locking mechanism configured to securely hold a cover over a compartment. The lock box system includes a receiver capable of receiving signals from a user device. The lock box system also includes a processor configured to identify an access message in a received signal, a service to verify that the access message was provided by an authorized party, and cause the locking mechanism to be released in response to verifying that the access message was provided by the authorized party. The open/close events are recorded in a distributed ledger to document which user's device was used to access a given property at a given time. Furthermore, the smart lock box system utilizes a push notification service, based on user device's GPS, to inform owners when to depart/return to the property.

Abstract: A user authentication system includes an image capture device and a controller communicatively coupled to the image capture device. The controller receives first image data associated with user identification information and generates a first set of biometric data based on the first image data. The controller also receives second image data associated with a first user action in response to the first set of biometric data approximately matching a first set of authenticated biometric data. The controller further generates a second set of biometric data based on the second image data and receives third image data associated with a second user action. The controller also generates a third set of biometric data based on the third image data. The controller further grant access to a user account in response to the second and third sets of biometric data approximately matching second and third sets of authenticated biometric data, respectively.

Abstract: A smart lock box system is described. One implementation of the lock box system includes a locking mechanism configured to securely hold a cover over a compartment. The lock box system includes a receiver capable of receiving signals from a user device. The lock box system also includes a processor configured to identify an access message in a received signal, a service to verify that the access message was provided by an authorized party, and cause the locking mechanism to be released in response to verifying that the access message was provided by the authorized party. The open/close events are recorded in a distributed ledger to document which user's device was used to access a given property at a given time. Furthermore, the smart lock box system utilizes a push notification service, based on user device's GPS, to inform owners when to depart/return to the property.