Abstract: A driver assist analysis system includes a processing system and a database that stores vehicle data, vehicle operational data, vehicle accident data, and environmental data related to the configuration and operation of a plurality of vehicles with driver assist systems or features. The driver assist analysis system also includes one or more analysis engines that execute on the processing system to determine one or more driving anomalies (e.g., accidents or poor driving operation) based on the vehicle operational data, and that correlate or determine a relationship between the driving anomalies and the operation of the driver assist systems or features. The driver assist analysis system then determines an effectiveness of operation of one or more of the driver assist systems or features as a statistical measure based on the determined relationship and the driver assist analysis system notifies a user or receiver, such as a manufacturer or an insurance company of the statistical measure.

Abstract: The present disclosure provides a computer-implemented method and system for onboarding users for financial institutions using virtual reality and augmented reality. The computer-implemented method and system corresponds to a visualization based onboarding system. The visualization based onboarding system collects a first set of data. The visualization based onboarding system obtains a second set of data. The visualization based onboarding system receives a third set of data. The visualization based onboarding system maps the first set of data associated with one or more institution environment essentials, the second set of data associated with a plurality of architectural information, and the third set of data associated with a plurality of financial services. The visualization based onboarding system creates a virtual reality and augmented reality model.

Abstract: A DI recovery management system generates a plurality of ranked claimant records and recovery scores. A predictive machine learning model inputs disability income claim data and disability income claimant data into an event history model utilizing discrete-time survival analysis in conjunction with a gradient boosting machine learning model. The claim termination event is one of a plurality of preselected recovery events that indicate that a claimant has achieved return to work capacity. Claimant data used in modeling includes diagnosis data representative of workplace disability duration guidelines. The predictive machine learning model is continually trained using updated disability income claims data. The training procedure transforms claimant records extracted from a DI claims database into a longitudinal format that includes multiple person-year records corresponding to each claimant record.

Abstract: An acquisition unit acquires at least one of first information and second information. A notification unit provides warning information to the driver, the warning information being generated based on at least one of the first information and the second information acquired and indicating a possibility of an increase in an insurance premium of an insurance applied to the driver. An reception unit receives acceptance of the provided warning information from the driver. A processor determines to transmit the acceptance by the driver of the possibility of an increase in the insurance premium to an insurance company server when the acceptance is received and determines to transmit at least one of the first information and the second information to the insurance company server when acceptance is not received.

Abstract: A location associated with an on-demand electric vehicle is determined dynamically during a ride to be associated with one or more restrictions. Configuration data is used to enforce the one or more restrictions with respect to operation of the on-demand electric vehicle in connection with the ride.

Abstract: Systems and methods for automatically determining, in near real-time, whether a vehicular incident has occurred and for automatically assessing whether the driver of a specific vehicle contributed to that incident. Data related to a specific vehicle is gathered by at least one sensor. The data is then transmitted to a data processing unit, which uses an incident detection module to determine whether an incident occurred. The system may verify that conclusion by sending a message to the vehicle occupant(s). The system may also take actions in response to the incident. If an incident has occurred, the data processing unit can use the vehicle-related data, as well as external data, to assess the contribution of the vehicle's driver. The system may comprise one or more neural networks. The system may also comprise a database for storing the vehicle-related data.

Abstract: Systems and apparatuses for generating surface dimension outputs are provided. The system may collect an image from a mobile device. The system may analyze the image to determine whether they comprise one or more standardized reference objects. Based on analysis of the image and the one or more standardized reference objects, the system may determine a surface dimension output. The system may determine one or more settlement outputs and one or more repair outputs for the driver based on the surface dimension output.

Abstract: A new design strategy based upon finite state machine models is used to develop a policy administration system. The policy administration system comprises a plurality of finite state machined-based households, each of which is defined by a set of states represented by data that describe or relate to various policies associated with each household, a set of events represented by transactions that operate on the data, and/or a set of transition functions represented by transaction logics and/or product rules that govern how the transactions are processed. In this manner, each finite state machine-based household becomes a type of self-contained policy administration system that may be executed and managed concurrently. Each policy may be an insurance policy, such as an auto, home, life, renters, personal articles, or health insurance policy. Each finite state machine-based or virtual household may facilitate managing, updating, or generating insurance policies for the household and/or household members.

Abstract: In particular, systems and methods for facilitating the purchase of health-related items such as durable medical equipment are provided. In one embodiment, a method comprises: responsive to a selection of a health-related product input by a user, automatically determining if the health-related product is a qualified healthcare expense; calculating an out-of-pocket cost to the user of the healthcare product based on a health insurance plan of the user; and generating a coupon for the health-related product that discounts a retail cost of the health-related product to the out-of-pocket cost responsive to a merchant accepting the coupon. In this way, a healthcare consumer may utilize their healthcare insurance benefits to purchase health-related products such as durable medical equipment from retail merchants.

Abstract: Systems and methods are disclosed for identifying high risk parking lots. High risk parking lots may be, for example, parking lots that pose a higher than average risk of collisions and/or theft. Auto insurance claim data may be analyzed to identify hazardous areas. A virtual navigation of roads within the hazardous area may be identified. Public parking lots within the virtual navigation map may be defined, with each public parking lot determined as either in a hazardous area or not. A vehicle may be determined to be approaching or parking in a parking lot in a hazardous area, and a nearby public parking lot not associated with the hazardous area may be selected instead. A route from a current position to the nearby public parking lot may be generated, and the vehicle may be routed to the nearby public parking lot. As a result, collisions and thefts may be reduced.

Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Abstract: A system to provide an automated risk relationship resource allocation tool via back-end application computer server of an enterprise. A resource allocation data store may contain electronic records representing requested resource allocations between the enterprise and a plurality of entities. The server may receive an indication of a selected requested resource allocation and retrieve, from the resource allocation data store, the electronic record associated with the selected requested resource allocation. The server may execute a machine learning algorithm to generate an overall score for the selected requested resource allocation and generate a request health index via an analytic model for the entity associated with the selected requested resource allocation. The system may then support a graphical interactive user interface display via a distributed communication network, the interactive user interface display providing resource allocation data including the overall score and the request health index.

Abstract: One or more devices in a driving data analysis system may be configured to receive and execute a driving data analysis software application. One or more servers may provide a driving data analysis software application to various driving data analysis devices, such as mobile user devices and/or on-board vehicle systems. The driving data analysis devices may be configured to execute the driving data analysis software application, to receive/collect various driving data, analyze the driving data, and determine eligibility for one or more insurance offers based on the analysis of the driving data. For insurance offers based on driving data, insurance offer vouchers may be generated by the driving data analysis device and transmitted to an insurance provider server to redeem the insurance offer.

Abstract: A method of determining a critical vehicle event. The method includes receiving vehicle speed data and airbag status data at a remote server. The method further includes deriving, at the remote server, a vehicle deceleration from the vehicle speed data. The airbag status data is analyzed at the remote server to determine whether an airbag on the vehicle has deployed, wherein the analyzing of the airbag status data occurs when a magnitude of the derived vehicle deceleration is above a preset magnitude. The method additionally comprises generating a critical event confirmation signal when the airbag status data reveals deployment of the airbag on the vehicle.

Abstract: Embodiments are disclosed for automatically processing a claim provided by a user. Responsive to receiving a notice of loss associated with a claim of a user, a set of customer identity validation data are collected. The set of customer identity validation data may be determined to meet a pre-defined identity validation criteria. Responsive to determining that the set of customer identity validation data meets the pre-defined identity validation criteria, current claim evaluation data for the claim may be accessed. A set of predictive impact assessment scores associated with the current claim evaluation data may be determined using a predictive model. The set of current claim evaluation data may be determined to meet pre-defined claim data criteria by comparing the predictive impact assessment scores with a set of impact assessment thresholds. Responsive to determining that the set of current claim evaluation data meets the pre-defined claim data criteria, a reactive action to the claim may be determined.

Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Abstract: An odometer verification method includes capturing an odometer image at a threshold date, calculating a first and a second mileage using OCR, determining whether the first and the second mileage match, and updating a user profile associated with the insurance policy. A non-transitory, tangible computer-readable medium stores machine readable instructions in a mobile computing device, that when executed by a processor, cause the processor to capture an odometer image at a threshold date, calculate a first and a second mileage using OCR, determine whether the first and the second mileage match, and update a user profile. A mobile computing device includes an image capture unit configured to capture an odometer image at a threshold date, perform a first and a second OCR, determine whether the first and the second mileage match, and update the insurance policy user profile of the vehicle.

Abstract: Described are techniques for determining a quotation score that would be applicable across lines of insurance and/or carriers, and which involves the collection in real time of sensor information from plural groups of sensors deployed in a specific premises and associated with intrusion detection, access control, burglar, fire alarm systems and surveillance systems and/or other systems that monitor for physical/chemical/biological conditions. The techniques execute unsupervised learning models to continually analyze the collected sensor information to produce sequences of state transitions that are assign scores and from which a quotation score is produced.

Abstract: Methods, apparatus, systems and articles of manufacture to implement computer aided dispatch of drones are disclosed. Example drone dispatching methods include transmitting a flight plan for a drone to a flight control platform associated with first operator for piloting the drone. The flight plan is based on a first location associated with a service request. In response to receiving a message from the flight control platform, a first communication session between the flight control platform and a flight control unit of the drone is initiated to permit remote piloting of the drone. A drone observation platform associated with a second operator is selected based on a subject matter qualification associated with the second operator and descriptive information included in the service request. A second communication session between the flight control platform and the drone observation platform is initiated for remote piloting of the drone.

Abstract: A location-based risk alerting system is disclosed. When information regarding a risk assessment situation is received, the location and time attributes of the risk assessment situation are extracted, a risk score is calculated and a risk alert is generated to include the attributes and the risk score upon validating the received information for risk. The risk alert is transmitted to client devices of subscribers where a user-specific risk score is calculated at each client device based on a comparison of the distance of the client device from the location attribute and the time at which the risk alert is received with the time attribute. The risk alert is displayed at the client device based on the user-specific risk score and information regarding the user is shared with trusted authorities upon receiving user consent.

Abstract: An insurance claim system that can display vehicle identification key information and vehicle option, package, engine, transmission, paint, production date information provided from multiple different sources. The system can perform a method that includes displaying at least one insurance claim with at least one vehicle description, a plurality of vehicle options, and a VIN field. A VIN is entered into the VIN field, which is decoded to determine vehicle information and vehicle option information. One or more vehicle options displayed by the client computer are selected with the vehicle option information, and the selected vehicle options are modified with supplemental vehicle options information provided by an OEM source. Modifying the vehicle options with the information provided by the OEM source improves the accuracy of the options information selected on the insurance claim page.

Abstract: A plurality of variable data of personal attribute information associated with at least one vehicle insurance user is received at a prediction server. Based on a service scenario requirement, a pre-constructed prediction algorithm is selected. The plurality of variable data is processed by one or more processors using the pre-constructed prediction algorithm. At least one prediction result is generated as the prediction server.

Abstract: Provided is a display control device to perform, on a display device having display regions in which a plurality of applications each are displayed, display control based on a speech content of a spoken voice. A display controller of the display control device acquires first information allowing identification of at least one application related to the speech content from among the plurality of applications and second information allowing identification of at least one processing target in processing to be performed by the at least one application. The at least one processing target is related to the speech content. The display controller performs control to cause, in a display region identified based on the first information, the at least one processing target identified based on the second information. The at least one processing target is a processing target in processing to be performed by the application to be displayed.

Abstract: A risk exposure model is developed for network or moveable assets not specific to a single, fixed address or location. An asset map using a plurality of geographic representation points is used to identify the physical locations of the asset portions (or possible physical locations in the case of a moveable asset). Baseline geographic, geologic, political, and demographic data is similarly represented using geographic representation points. Meta-data associated with each geographic representation point is used to identify details related to the asset or baseline feature at that geographic location. Risk exposure values are then calculated using the geographic representation points specific to the asset portions that are subject to risks associated with the location of the asset portion.

Abstract: Methods and systems for evaluating the effectiveness of autonomous operation features of autonomous vehicles using an accident risk model are provided. According to certain aspects, an accident risk model may be determined using effectiveness information regarding autonomous operation features associated with a vehicle. The effectiveness information may indicate a likelihood of an accident for the vehicle and may include test data or actual loss data. Determining the likelihood of an accident may include determining risk factors for the features related to the ability of the features to make control decisions that successfully avoid accidents. The accident risk model may further include information regarding effectiveness of the features relative to location or operating conditions, as well as types and severity of accidents. The accident risk model may further be used to determine or adjust aspects of an insurance policy associated with an autonomous vehicle.

Abstract: Methods, computer-readable media, software, and apparatuses may calculate and inform a consumer of company privacy scores corresponding to companies with which the consumer has a corresponding account, or for a company associated with a website that a consumer may visit. A consumer privacy score may also be determined, based on the company privacy scores. The company privacy scores may be based on a calculation including elements of a privacy practice of the corresponding company and elements of a privacy policy of the corresponding company.

Abstract: Systems and method for remote intervention are disclosed herein. The system can include a memory including: a user profile database; and a model database. The system can include a user device and a supervisor device, each of which including: a network interface; and an I/O subsystem. The system can include a content management server that can: receive data identifying a user of the user device; retrieve user data for the user from the user profile database; retrieve a risk model from the model database; generate a risk value based on the risk model; generate an action recommendation identifying an action for completion; and generate and send an alert to the supervisor device, which alert includes the action recommendation and includes computer code to trigger activation of the I/O subsystem of the supervisor device to provide the action recommendation.

Abstract: Event-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises identifying the occurrence of an event, storing first data corresponding to apparatus operation for a first threshold amount of time prior to the event, during the occurrence of the event, and for a second threshold amount of time after the event, determining whether a responsive object is involved in or near the event, in response to determining that the responsive object is involved in or near the event, transmitting the first data to the responsive object, and receiving, from the responsive object, second data, analyzing the first data and the second data to determine a party at-fault for the event, aggregating the first data and second data into an event report, and causing, automatically, a response to be initiated through an entity associated with the party at-fault.

Abstract: Described are techniques for fair anomaly detection. The techniques include generating an anomaly detection model based on a Gaussian distribution of historical data, a mean vector of the Gaussian distribution, and a precision matrix of the Gaussian distribution. The mean vector and the precision matrix can be generated by reducing a function below a threshold, where the function can include the Gaussian distribution, a first regularization term configured to generate similar anomaly scores for inputs with similar fair features and independent of unfair features, and a second regularization term configured to generate similar anomaly localization scores for the inputs with the similar fair features and independent of the unfair features. The techniques further include inputting a new data to the anomaly detection model and generating an anomaly score and an anomaly localization score associated with the new data based on the Gaussian distribution, the mean vector, and the precision matrix.

Abstract: A server comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, a signal representing an indication of at least one damage location of a vehicle; generate instructions by concatenating one or more instruction sets instructing a user of the remote computing device how to obtain video data of the vehicle based on the at least one damage location and an instruction set instructing the user of the remote computing device how to obtain the video data of the vehicle to capture an identifier of the vehicle in a random order; and send, via the communications module and to the remote computing device, a signal causing the instructions to be displayed on a display of the remote computing device.

Abstract: A cybersafety incremental insurance policy utilizing blockchain underwriting process. A cyber risk event relating to transfer of data to a first party is identified using a first smart contract module. Cyber risk control of the cyber risk event is enabled using a second smart contract module. Cyber risk associated with the cyber risk control is transferred using a third smart contract module. The first smart contract, the second smart contract and the third smart contract are integrated into a multi-tier decentralized interaction that is recorded in a blockchain token utilizing a decentralized append only distributed ledger and a consensus algorithm for agreement to change requests on the distributed ledger. A premium associated cyber risk transfer is paid. Once the first party confirms receipt of the data, proof of premium is released into an insuring entities account.

Abstract: A method and apparatus are described for assigning agents using updated criteria tables. In one example, an assignment system maintains an assets table including properties of assets, a recovery agent criteria table including values for a location and a capacity of recovery agents, and a requester criteria preferences table including agent preference factors received from requesters. A requester requests a recovery agent to recover an asset. The agents are scored and weighted using the tables and the asset is assigned to a selected agent. The agent capacity criteria is adjusted in response to the assignment and the agent capacity criteria is adjusted in response to receiving recovery status information about the asset.

Abstract: A key ceremony application creates bundles for custodians encrypted with their passphrases. Each bundle includes master key share. The master key shares are combined to store an operational master key. The operational master key is used for private key encryption during a checkout process. The operational private key is used for private key decryption for transaction signing in a payment process. The bundles further include TLS keys for authenticated requests to create an API key for a web application to communicate with a service and to unfreeze the system after it has been frozen by an administrator.

Abstract: Aspects of the disclosure relate to using vehicle telematics data to assess parameters associated with vehicle operation. In some instances, a driving assessment system may include a first computing device associated with a user in a vehicle and a second computing located remotely from the first computing device. The first computing device may collect, by way of one or more of an accelerometer and global positioning system (GPS), vehicle operational data and vehicle locational information associated with the vehicle and corresponding to a trip of the vehicle and may transmit such information to the second computing device. The second computing device may identify actionable and second order actionable trip data from the vehicle operational data and vehicle locational information and may calculate a behavior score for the trip.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing medical records. The medical records may be accessible by medical institutions such as hospitals, and may be controlled by the patient. The patient may, for example, decide which entities can access and/or edit the medical records.

Abstract: Identification of anomalous transaction attributes in real-time with adaptive threshold tuning is provided. A set of historical transactions conducted during a defined time period are analyzed and categorizing into defined groups. Outlier transactions are identified and removed from the set of historical transactions and a set of non-anomalous transactions are determined. When a new transaction is received, the new transaction is automatically allowed based on a determination that the subsequent transaction conforms to the set of non-anomalous transactions. Alternatively, an alert for further analysis for the new transaction is output based on a determination that the subsequent transaction does not conform to the set of non-anomalous transactions.

Abstract: An online insurance system including a customer interface, configured to enable an insurance customer to enter insurance claim details, a tradesperson interface, configured to enable a tradesperson to provide cost estimates based at least in part on the insurance claims details, and an assessor interface, configured to enable an assessor to review the claim provided by the customer; and the cost estimates provided by the tradesperson.

Abstract: An onboard electronic system for logging and reporting driver activity and operation data of a vehicle. The system incorporates an onboard recorder operatively connected to a data bus of the vehicle and configured to continuously electronically monitor and obtain vehicle operation data including vehicle fuel consumption data and vehicle mileage data. A transmitter is adapted for transmitting the vehicle operation data from the onboard recorder to a remote terminal outside of the vehicle. Data processing software is operable for generating a fuel data report using the vehicle operation data, and determining based on the fuel data report whether a driver satisfies a vehicle operation requirement established by an authority.

Abstract: A system, method, computing device, and storage medium for blockchain-based data processing. The method comprises: obtaining, from a blockchain node, case information associated with cases; receiving a request for reviewing a target case, the request comprising identity information of a user and identification information of the target case; identifying target case case information from the case information based on the identification information of the target case; determining members satisfying conditions for reviewing the target case based on the identity information of the user and the target case case information; providing a review channel for reviewing the target case to each of computing devices respectively associated with one or more of the determined members; receiving, from the computing devices associated with the one or more of the determined members, case review data generated from review of the target case; and uploading the case review data to the blockchain node.

Abstract: Methods and systems for providing automated methods of inspections that facilitate loss reporting and resolution are described. In some embodiments various remote evaluation tools are provided to collect information from remote locations. This information can be used to generate automated damage estimates which in turn can be used to direct the ordering of supplies, materials, and other resources. In addition, pre-damage and post-damage evaluations of an insured property may be collected using the remote evaluation tools. These evaluations can be used by adjusters (human adjusters and computer-based adjusters) to identify damage and process claims more efficiently.

Abstract: A distributed file system may store a plurality of entity attributes. A node linking system may classify links between the nodes. The node linking system may calculate a network effect of an action with a link. The node linking system may modify parameters of the action based on the network effect.

Abstract: The disclosed customer support methods and systems allow customers to request and receive product-specific support from service providers. The embodiments facilitate support interactions between such customers and providers by allowing providers to provide on-demand and/or scheduled support services to customers via various communication channels, displaying product-specific communications and resources to customers, and/or allowing customers and providers to access past support interactions.

Abstract: A system and method for automatically creating a video of a journey includes at least one computer unit and at least one vehicle. The vehicle has at least one sensor which is configured to continuously detect technical driving parameters of the vehicle. The vehicle also has at least one video camera which is configured to continuously record video sequences of a predefinable length. The computer unit is configured to process each of the video sequences with respect to the detected technical driving parameters and also to tag each of the processed video sequences with reference to predefinable criteria. The computer unit is configured to automatically create a video including a predefinable number of suitably tagged video sequences.

Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

Abstract: Techniques are described for extracting structured information from unstructured documents based on validation of the structured information as applied to a domain problem associated with the unstructured documents. In one embodiment, a computer program product for automated information extraction is provided. The computer program product comprising a computer readable storage medium having program executable by a processing component to cause the processing component to extract structured candidate interpretations of a rule from unstructured information that defines a plurality of rules intended to control operations of a system, and determine measures of validity of the structured candidate interpretations based on application of the candidate policy interpretations to historical operational data for the system that represents operations performed by the system.

Abstract: Described are techniques for fair anomaly detection. The techniques include generating an anomaly detection model based on a Gaussian distribution of historical data, a mean vector of the Gaussian distribution, and a precision matrix of the Gaussian distribution. The mean vector and the precision matrix can be generated by reducing a function below a threshold, where the function can include the Gaussian distribution, a first regularization term configured to generate similar anomaly scores for inputs with similar fair features and independent of unfair features, and a second regularization term configured to generate similar anomaly localization scores for the inputs with the similar fair features and independent of the unfair features. The techniques further include inputting a new data to the anomaly detection model and generating an anomaly score and an anomaly localization score associated with the new data based on the Gaussian distribution, the mean vector, and the precision matrix.

Abstract: Systems, apparatus, interfaces, methods, and articles of manufacture that provide for AI damage triage and/or AI resource allocation, routing, and/or scheduling.

Abstract: A method, computer program product, and system performing a method that includes a processor(s) obtaining a digital document defining insurance parameters for utilization by a user of a portion of computing resources selected from a group of computing resources comprising the shared computing environment. The processor(s) generates, based on the digital document, parameters defining the portion of the computing resources and risk management rules reflecting guaranteed thresholds for utilization and performance of the portion of the computing resources defined in the digital document. The processor(s) configures a controller in the shared computing environment, based on the parameters and the risk management rules and obtains a notification of a failure in the portion of the computing resources in violation of the risk management rules and details of the failure to determine the extent and impact of the failure. The processor(s) automatically generates a claim package and transmits it to the administrator.

Abstract: A computer-assisted method for generating one or more insurance quotes for a user is described herein. A computing device of an insurance provider may generate a first insurance quote for the user. The computing device may receive from a database information identifying contacts for the user. In response to determining that at least one of the contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. The computing device may generate a second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user. For example, the computing device may compare the insurance quote for the customer to the first insurance quote for the user. The first insurance quote may be adjusted to be within a predetermined amount of the insurance quote for the customer.

Abstract: A computing device comprises a network element configured for receiving messages sent over a network from a control facility, a reduced instruction set computer processing circuitry comprising a central processing unit (CPU) and a secure hardware-implemented module adapted to verify that a signed PKI message is encoded in the received messages at a plurality of sequential intervals and to either switch the CPU from an operational state to a safe state, or prevent switching of the CPU from the safe state to the operational state, when a receipt of a signed PKI message is not verified in one of the sequential intervals. In the operational state, the CPU accesses a memory address space in the processing circuitry for executing software-based commands. In the safe state the CPU is prevented from executing the software-based commands while access to the memory address space is retained.