Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: A method for tracking insured assets is provided. Asset identifiers corresponding to assets to be monitored are received from a user. Each of the one or more assets is attached to a tracking device. Monitored assets are covered by one or more insurance policies. One or more geofence regions are defined associated with the one or more monitored assets. A location of each of the monitored assets is estimated, at least periodically. In response to determining that the estimated location of at least one of the monitored assets is outside of the corresponding one or more geofence regions, an insurance policy associated with this at least one asset is determined. A policyholder associated with the insurance policy is notified by sending a notification to policyholder's-preferred device. The notification inquires instructions for remedial actions from the policyholder. One or more remedial actions are initiated based on received policyholder's instructions.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: A method for tracking insured assets is provided. Asset identifiers corresponding to assets to be monitored are received from a user. Each of the one or more assets is attached to a tracking device. Monitored assets are covered by one or more insurance policies. One or more geofence regions are defined associated with the one or more monitored assets. A location of each of the monitored assets is estimated, at least periodically. In response to determining that the estimated location of at least one of the monitored assets is outside of the corresponding one or more geofence regions, an insurance policy associated with this at least one asset is determined. A policyholder associated with the insurance policy is notified by sending a notification to policyholder's-preferred device. The notification inquires instructions for remedial actions from the policyholder. One or more remedial actions are initiated based on received policyholder's instructions.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: A system for providing card account controls and purchase impact information may comprise at least one subsystem that receives information regarding a potential purchase of a customer, and at least one subsystem that provides potential purchase impact information to the customer based on the information regarding the potential purchase of the customer.

Abstract: A digital wallet may be accessed via a plugin on a browser. The digital wallet may store account information pertaining to various accounts of a user. The account information may be related to funding sources, reward programs, loyalty programs, retailers and other merchants, driver license information, voter registration information, government agencies, etc. The user may drag and drop account information from the digital wallet via the plugin to a checkout page or the plugin may automatically recognize and populate a checkout page. In an implementation, the plugin may select a funding source based on rules, such as use one funding source for payment of less than a predetermined amount and use another funding source for payment of at least the predetermined amount.

Abstract: A method of utilizing a processing device to manage a currency-management system. A characteristic of a user is identified by utilization of a first sensor which is associated with the user. A state of a first currency dispenser is identified through utilization of a second sensor which is associated with the currency dispenser. Based on at least one of the characteristic and the state, information is identified to send to the user. Information is caused to be output from a user device.

Abstract: This application relates to methods and systems for managing and distributing currency. One system includes modularized components and interacts with a user via the user's cell phone. The user may authenticate to the system via a password and biometrics, pre-stage interactions such as deposits or withdrawals, and then conduct a transaction. The system may also analyze the documents, such as currency and/or checks, that are deposited with the system, and determine whether they are valid.

Abstract: A system for providing card account controls and purchase impact information may comprise at least one subsystem that receives information regarding a potential purchase of a customer, and at least one subsystem that provides potential purchase impact information to the customer based on the information regarding the potential purchase of the customer.

Abstract: A system for providing card account controls and purchase impact information may comprise at least one subsystem that receives information regarding a potential purchase of a customer, and at least one subsystem that provides potential purchase impact information to the customer based on the information regarding the potential purchase of the customer.

Abstract: A user retains access to a document previously generated or received by an institution system and stored in encrypted form in storage of the institution system or another entity associated with the institution system. However, the institution system does not have access to the document (in readable form) after an expiration of an amount of time. The document is encrypted in such a manner that only the user can decrypt the document, but the institution system cannot decrypt it. In this manner, the institution system may meet business or regulatory requirements or policies directed to discarding (i.e., purging) the document after a predetermined amount of time, but can still provide secure storage of the document in encrypted form to the user independent of the business or regulatory requirements or policies that mandate purging the document.