THE CONTROL OF TANGIBLE GOODS A TOTALLY AUTOMATED PERSONAL-LINES SYSTEM

Table of Contents: Pages 2 - 3: From the Variables of Risk and Cost to the Values of Trust thru Control Pages 4 - 8: Discussion of New Industry Initiatives, Services, and why a Trust-Solution is warranted Pages 9 - 12: Verification Process / Value Rated Before Risk Rated / Onsite Risk-Rights Management Page-13: Home Biometrics thru PhotoSecurity as Trust-Institution to Combat ID-Theft & Privacy Page-14: The Tracking of Tangible Goods thru Real Time Operating Procedures Page-15: Personal-Asset-Database – Totally Automated [Owner Controlled] Page 16 - 17: The Importance of Digital-Originals / Digital Original Examples Page 18: Introduction to Product & Solution [Personal Asset Portal / “image-text” Trust-Utility] Page 19 – 21: Trust Enabling Human Components, i.e. the OEM / Owner / ISC Page 22 - 23: The Aftermarket ‘Owner’ [CMR Customer Managed Relationship] Personal-Asset-Portal Page 24 - 25: OEM to Customer Aftermarket Portal [can the OEM become the preferred channel?] Page 26: CRM [The good news is trust is not dead – it can be revived through CRM] Page 27: Stakeholder Chart [Brokered Industry] Page 28 - 29: Personalized Portal Examples / Industry Stakeholder Integration Page 30 - 35: Discussion of Variables in Risk & Cost Insuring Tangible Goods / Policies Eliminated Page 36: Personal-Asset-Database [brokered goods are now automated in real-time] Page 37: Trust as Core Competency / Insured Neighborhood Trust Page 38: Verified -- Brokered Property Chart / Real Time Losses & Gains for Insurers Page 39: Controlling Goods before Digital Format Controls the Future of Ebay Page 40: Deregulation March 14, 2000 / www.AssetVerification.com, / other verification companies Page 41: Insurance agent analysis / who’s the customer? Page 42 - 43: Future Portal Values [a living solution] Page 44 - 46: Controlling Goods from Home to B2C & B2B Web Sites [a Product Trust Network] Page 47: Conclusion The creation of a new industry should be read like a new industry, and since the

account you are about to read implements a complete and unreserved paradigm-shift from today’s business; read it like a book.

THE FUTURE OF PERSONAL-LINES

Consider this question of paradigm proportions: Do today’s insurers control the goods they insure, be it, home, auto, or household goods? The direct answer is no… they don’t control the goods they insure, but the future to do so is here. At this time all Personal-Lines are an uncontrolled commodity from which a verification process has yet to take place outside the confirmation of something already damaged. Let me illustrate: An adjuster steps inside a home to verify damaged goods, takes digital images, then transfers verified and now digital authenticated property through an appropriate channel. What have we just accomplished? We’ve just accomplished the control and transfer of objects through a basic trust-enabling process to an e-destination through a human component. We have controlled an aftermath situation establishing a framework of trust after the damage. Peering deep into the industry, trust again is not a core-competency in Personal-Lines, which has for years now given birth to distrustful relationships leading to fraud, padding and needless litigation through which the paradigms and variables of risk and cost remain the fundamental problem. It’s the association with variables of risk and cost, that is [insuring tangible-goods outside a controlled and trusted environment] which has produced a continuous set of volatile variables. But then we’ve just established that by providing a framework of trust between the insurer and insured, in an aftermath setting, initiated the completion of a trust-enabling process haven’t we? Question, what if we reversed the process using ‘trust and control’ methodology before the damage? It’s true that real-time operating procedures between insurers and insured’s are nowhere near reality. We also appreciate the fact that in real time an underwriting system to automatically update the value of a home when the home increases each year is also not in place. So when we speak of real time operating procedures, the verification of goods, trust and controlled of measures for Personal-Lines, we should come to a logical conclusion that by reversing an aftermath verification process, this may provide clues to future Personal-Lines solutions enabling trust. What if before the process of verifying damaged goods by someone of authority, an authentication process took place using trust and control methods? Would the fact that by verifying Personal-Lines in a reverse process, i.e. Structure, Goods, Auto, Boat, Motorcycle, and all high-dollar possessions, permit the evolution of real-time operating and new underwriting procedures? If a system were possible through the verification of goods before the damage, wouldn’t we be talking about real value measured in real dollars and not by the standards today under the variables of risk and cost? It’s said that to underwrite the value of a $100,000 home a table of $400.00 per $100k is used as a basic template. What might other values be worth in regards to Personal-Lines using a similar scale within a ‘trusted and controlled’ environment for all tangible goods? Are we now saying real value instead of an endless amount of uncontrolled variables? Yes! Remember that it wasn’t too many months ago that Robert Mr. Hartwig, a chief economist said that less than 10%-of-all-insurance-policies guarantee replacement cost. Mr. Robert Hartwig is of course the chief economist at the Insurance Information Institute who wrote these eye-opening discoveries in a recent 2003 article”. http://www.realestateinsantacruzcounty.com/News/info44.htm

2

We are now facing serious changes in the way we think about our industry problems

If it’s a fact that less than 10% of all insurance companies guarantee replacement cost, what long term effects will this have using current variables of risk and cost in Personal-Lines? What will happen to replacement values, and, how will this affect an insurer –insured relationship? How would a new framework of trust and the control of insurable goods from an impartial platform, replace current problems we see in both cash and replacement policies? Answers to these questions and more are provided as the document continues. If a verification process was possible using ‘trust and control’ methodology before damage, wouldn’t we also be saying that by this upfront verification procedure underwriting would change from the variables of risk and cost, to the values of real property? Not real property we refer to today, but real property from the fact that these goods are verified inside a ‘trust and control’ environment! For instance it cost $400 dollars to insure approx. $100k worth of home, other values would also have ‘real value’ under a ‘controlled and trusted environment’; what might these be? After valuables are purchased, insured’s call insurers to obtain a price for say jewelry; why not other insurable goods as well, if they were inside a ‘controlled and trusted’ personalized database? You see when we speak about real time infrastructures, real time operating and underwriting systems for personal insurables; we are in fact talking about insuring ‘goods’ within a “trusted and controlled environment” so that we know exactly what’s being insured, at exactly what cost and time. This isn’t that complicated using a reverse analysis because verification processes exist, but an environment of ‘trust and control’ evaluating all Personal-Lines as ‘real property’ before damage has yet to take place. The paradigm shift here is ‘trust and control’… over the variables of risk and cost. Let’s say someone offers to broker your personal-insurables between you and your insurers, and illustrating through one case, suppose you had a room full of expensive goods that came to a total of $16,000 dollars. In this example you had 8 items worth $2,000 dollars apiece. Let’s also say that through this trust-enabling process, and in digital format, a human-component was required who verified these goods. Values were then set with date, time, and home area. How would the process of trust and control through a trust-enabling environment change the practices we see today under the current umbrella of uncontrolled [Personal-Lines] variables? For one, there wouldn’t room for padding, fraud or litigation in case of values or variables in what the insurance company is willing to pay regardless of what’s being insured. Secondly, verified or say brokered goods would reset underwriting principles from the variables of risk and cost, to the values of ‘trust and control’, starting from an untarnished platform. Now let’s take this a step further, let’s say home structure, household goods, autos, boats, motorcycles and all high-dollar goods were brokered using the same trust-utility system. If we were talking about real dollars – running in real-time, what impact would this have overall? This new thinking paradigm has yet to take place; those residing in the current paradigms and

variables of risk and cost have yet to appreciate that a reverse process leading to [trust and controlled measures] would enable new values and principles from underwriting forward.

Are goods currently within an uncontrolled environment in both traditional and digital markets? Yes.

Forward looking…trust through the control of tangible goods now becomes a serious

process for managing uncertainty and the variables of both risk and cost!

3

Since all household-goods are an uncontrolled commodity in which the present day insurers due to an outdated legacy system – have no way to control. Could this present the seed in

which a new industry is founded?

Traditional markets have for the most part figured out how to combine their brickNclick models for the future of their company-Industry, but not so for the Personal-Lines – Property & Casualty Industry. Today’s Personal-Lines has yet to meet standards in protection for both the insurer and insured when it comes to insuring tangible-goods, and to this date, distrust between the two parties is greater than ever. Over fifty-percent thinks it’s ok to outright fraud a company, while those that insure are inclined to keep us ignorant of underlying facts. For example, if you purchase a new automobile for the most part you’re insured. But if you purchase a new Flat-Screen Sony Television and don’t photograph and keep the receipt as long as you own it, you’re not completely insured if there’s a loss. Since less than 5% take the necessary steps to protect their goods [without a verification process], variables continue! The judgment for underwriting was the correct analysis for its time, which is assessing risk without value from afar. But now that image-text-documents can be digitally transcribed into a trust-enabling process, inside a comprehensive Trust-Utility System, core competencies change ‘from the variables of risk and cost’, to, ‘the values of [brokered] trust and control. A brokering process between the Insurer and Insured will eliminate many of today’s paradigms and variables of risk and cost, as you will soon discover. The term “broker” takes on a new life of its own because the value-proposition here is to control Personal-Lines before digital format through a comprehensive utility. NOTE: As of this project, Real Property is considered all tangible-goods which are brokered inside a comprehensive Trust-Utility. The Broker: an entity – PhotoSecurity – who utilizes the Insurance Security Consultant, in setting up a Personal Asset Database, between the insurers and insured’s. The [trust and control methodology] leads to the management of all tangible goods. Once the P.A.D. is established through the I.S.C., it then becomes a trusted hand-off to the

owner of said goods, running in real-time… See pages 13, 14

4

95% percent of insured’s have no way to control the value of their goods

100% of those who insure… don’t have a solution!

Presenting a first link in trust from traditional to digital markets for all tangible-goods between all industry stakeholders… that is Insurers to Insured’s, Buyers

to Sellers, as well as OEMs to their Aftermarket Customers

A system designed to control tangible-goods before then after digital format A business process integrating trust-standards from HOME2NET

The Control of Tangible Goods

Home2NetServices.com Is it possible to assume that the last 42% of non-Internet users will finally come on board, along with those that have tried the Internet but have found little value? The forty-two percent say it’s the expense, the lack of security, endless and confounding technology, fear of identity-theft, privacy issues, as those whom have found little value. The Internet was even thought to have helped the insured track and manage their personal goods through digital imaging, the Insurance Industry expects it somehow, but neither side manages to do so in Personal-Lines. Then when it’s too late, variables between what you own and what’s on record has created the-largest-industry-shortcomings to date! Approved by Mr. Hartwig, “Even with the ability to manage household goods less than 5% do so thus resulting in compounding variables between the insurer and insured. If your home burns give yourself about 6 months to figure out what went up-in-smoke because the industry that insures your goods will not have an answer, not under this present system of things. With home-values increasing over 100% in the past 10 years, if you don’t update the value of your residence, call your insurer; you won’t receive anything near full coverage of there’s a loss. The fact is that according to Mr. Hartwig, a chief economist, less than 10%-of-all-insurance-policies guarantee replacement cost. Mr. Robert Hartwig is the chief economist at the Insurance Information Institute who wrote these eye-opening statements in a recent 2003 article”. http://www.realestateinsantacruzcounty.com/News/info44.htm We have discussed:

• Trust and Security on the Internet • Expense and Confounding Technology • Fear of Identity Theft and Privacy Issues • An authentication Process for Personal-Lines

These are all contributing factors as to why a face-to-face relationship, at the traditional

front door, bringing products and services centered on insurance-security, begins a trusted digital-pathway… between all necessary stakeholders!

5

The Achilles heel of today’s Internet is that it’s a system based on trust; designed into the Internet is the assumption that users trust one another

Today’s Personal-Lines Insurer’s have yet to realize that a comprehensive strategy must include Trust-first… before Enterprise Integration, Ecommerce Strategy, Product Innovation and Branding. The current Personal-Lines knowledge-structure, that is [paradigms & variables of risk and cost] treat the symptomatic problem and not the root cause, which is the ability to validate, secure, and then control internal-trust-standards. “Many in our industry see these issues and understand that we have to change fundamentally, but our ability to change is inhibited by our culture and our systems. Separate functional silos have separate systems leading to even more connections and complexity. Systems have been built to respond to the way the industry functions, the way it has functioned for years. Unfortunately, each of these systems has to be connected to other systems resulting in a maze resembling a route map for a major airline without any hubs”. [John Roblin, Cover-All CEO] A radically new approach to problems the old fragmented industry cannot correct

Home2NetServices [Onsite TRUST Representation] Providers of home2net services centered on insurance-security

[The next opportunity for the Internet is at the traditional front door]

PhotoSecurity [Online Brand of Trust for Tangible Goods] Brokers of uncontrolled goods into a controlled and authenticated digital format

[Trusted services between Insurers & Insured’s, Buyers & Sellers, OEM’s & Customers]

Real Property Insurers [Underwriters thru Personal-Asset-Database]

Insurers of brokered goods through real-time underwriting and operating procedures [A No-Sales-Receipt Personal-Lines Industry [a global network of trusted goods] The [ISC] Insurance Security Consultant brokers uncontrolled goods between the Insurer and Insured using the PhotoSecurity “image-text” Trust-Utility. The ISC creates a traditional-to-digital pathway of trust via PhotoSecurity while conducting onsite risk management and personal services. The homeowner can shop at Home2NetServices before the initial visit, or wait for a display of Home2NetsServices while the Insurance Security Consultant’s onsite. There are two categories of interest; i.e. products and services relating to Home2Net Security, and products and services relating to Home2Net Personal Use. While the ISC initiates the verification/brokering process using the PhotoSecurity “image-text” Trust-Utility, products and services the customer asks for are brought into the home [see partial list page 6]. Once all personal-insurables are brokered into a secured and personalized database, real-time underwriting processes begin to take shape in regards to the Home, Household Goods, Auto, and all High Dollar Valuables. When new goods are purchased by the insured, and then logged inside their Personal-Asset-Database, [see page-15] underwriting initiatives change from variables to actual dollar values, which in turn help to eliminate fraud, padding, and needless litigation. [The Paradigm Shift to Control Goods]

While RealProperty Insurers desire to be a first choice for consumers, our patented process enables other insurers to apply the same premium operating/underwriting values for their insurables.

6

We don’t sell insurance… we sell trust-enabling products and services…

Home2NetServices We all need protection for our personal-assets yet the property and casualty industry relies on customer-ignorance when it comes to the protection of our goods. Nothing in the home is safe unless you photograph each item and provide sales receipts for as long as you own these goods, and even then gray areas in coverage persist. The industry’s idea of protection is to calculate the percentage of customers who might sue from non-payment of losses, knowing 95% won’t go through with it because of the initial cost. You never know whether you’re covered until you’ve had a loss, file a claim, and then realize you’ve been paying all these years for “variable coverage”. Deep in the industry lays a sleeping agent not in tune with his digital surroundings –

an agent with age-old practices completely out-dated for today’s Ecommerce. It is all about PERSONAL CONTACT Insurance companies have realized the potential of the Internet as another vehicle for sales, and another way to better correspond with their partners; be they brokers or intermediaries. But consumers see the Internet as both a lack-of-service and security regarding insurance, except for the few [1-to-5%] who have purchased net-insurance. * The Industry is certainly not at the cutting edge in the delivery of products or services Why fire-up the PC looking endlessly, we bring e-commerce & security services to the front door knock-knock

Consumers want to enjoy the benefits of the Internet, and its security enhancing lifestyle without worrying about the technology that enables it. Home2NetServices brings a new level of comfort, convenience, and security by creating the necessary infrastructure, installation and support services from various inter-related companies centered on Security. Home2Net Services eliminates the need for multiple points of consumer contacts both at the PC and the front door. The consultant evaluates risk, demo’s and delivers Internet related products and services, verifies then brokers your property while allowing you to copying documents such as titles, investments, certificates, wills and deeds into a personalized and secure database.

Home2NetServices provides a face2face relationship for online consumers and help determine merchants’ reputations.

______________________________________________________________________________________ In the future, and under a real property and brokered menu, our system allows for real time property assessment, management, and underwriting practices for all Personal Lines. No longer will you own a home, the value goes up, and your policies don’t stay in step. When home and personal-goods increase independently, it all happens in real time…

KEY: Insurers insist owners take responsibility for their own personal goods – so why not do so upfront and efficiently… through a comprehensive – TRUST SOLUTION!

7

Bringing the Internet & Security to the Traditional Front Door

Home2NetServices o Authorized e-Commerce Consultants

How much leverage will Home2Net have [partnering] at the traditional front door?

What other services will the ISC offer outside our initial brokering process? • Brokers of Personal-Insurables between the Insurer and Insured leading to real time operations • Set up a Personal Asset Database, thus creating a channel for the aftermarket Personal-Asset-Portal • Provide photo-protection of documents, family albums, certificates, wills, and deeds • Demo’s & delivery through Home2NetServices Internet tools, PDA’s, Web-Cams, Biometrics • AntiVirus & Firewall software http://www.ecommercetimes.com/perl/story/31889.html

Free delivery of e-coupons booklets and e-catalogs: http://www.insight-corp.com/pr/1_19_00.asp Help owners stop War Drivers from stealing WiFi. www.wardriving.com and www.antiphishing.org

• Biometrics, Smartcards, and RFID Technology http://www.biometricgroup.com/e/biometric_market_report.htm he future

• Gratis 360-degree virtual-tour real-estate images with brokering process to sell your home in t• Present jewelry ID-protection thru laser-system / RFID technology to track high dollar goods • Update consumers on latest wireless technology, security, trends, pay bills on line through biometrics

l• Help those 58% online who don’t shop, shop with confidence. www.ecommercetimes.com/perl/story/19955.htm • Consumers have become desensitized to marketing & customer service, H2NS provides personal-contact • Define customer satisfaction to the dizzy aria of e-choices http://www.ecommercetimes.com/perl/story/17549.html

for each consumer, therefore giving the 50% who have left ternet a very defined and positive reason to come back.

nt needs by eliminating hazards

Because of the nat failures in: * Failu erage

onc rs under is an

immediate barrier that must be negotiated before consultative trust is established.

• Present bundled-bookmark technology per customer, specific area’s of interest on CD – Web Browser • The brokered property initiative brings about a critical needthe In

* Th ISC becomes the premier onsite Internet-GURU at the traditional door-front

The ISC’s role once inside the home will be measured, pre-defined, and accurate from both pre-risk packaged schedules, to a pre-scheduled curriculum with our list of Internet Retailers. The Consultawill manage the 360-imaging process then determine the appropriate

e

and lessening their impact while servicing pre-packaged programs.

ure of the phrase “sales-agent / broker”, we must adequately represent theirre to Document * Misrepresentation * Inadequate Cov* Lack of Knowledge-Ac on-Concern-Consistency

The client must perceive that sound advice comes from one who they trust and respect. I submit that

e these values are established, the Insurance-Security Consultant will be accepted. Most buyestand that agents/brokers are the paid sales force for insurance companies, so there

ti

8

Home2Net Services

Brokers of Personal-Insurables ID-Theft & Privacy Protection Fingerprint Biometrics Ecoupons – Ecatalogs Personal-Asset-Portals

Yahoo - BankAmerica - Dell - DigitalPersona - IPIX - Kodak - Microsoft - Realtors

Managed Risk & Loss Prevention

Review of the client’s Personal Risk Management Loss Profile New Insurance Products and New Personal Risk Management Techniques

Structure & Goods in Real-Time Updating Client’s Residential

Measured Risk Management: [Underwriting Point-System] • Does one detect mold or mildew within the walls or outside the home? Do the homeowners smoke? • Are their smoke detectors in each bedroom and in a common living area? Are the smoke detectors powered by the main

or gates to swimming pool

ng carbon monoxide.

Thr g

“loss lds motivation to seriously practice prevention, an idea whose time has come.

hy is there a need for a highly trained Insurance-Security Consultant?

electrical supply with a battery backup? • Are all counter electrical outlets protected by a clearly visible circuit breaker? • Is the home certified as being Fire Safe, extinguishers? • Are stairways and landings safe? Areas in home for a quick crime? • Is there a carbon monoxide detector located near the bedroom area? • Are areas around swimming pools clearly inaccessible to young children? Do all doors and/

areas close and latch automatically? Are all the latching devices at least 48” high? • ild work the lock? Can deadbolt locks be unlocked from the inside without a key? Can a ch• The garage should be sealed against the passage of fire or toxic gases includi• Is there an outside shut off water value when the home is unoccupied?

Is there a business in their home? Other areas never covered by an agent? •* Areas of risk underwriters cannot see from today’s non-informed and out-of-step insurance-agents

ough onsite risk-management programs the customer receives incentives by practicin prevention”. This new industry approach to homeowners gives all househo

W

k s

ent by its nature involves ttempting to treat risk with a number of vehicles other than insurance.

rom the

perception”, sound advice will be crucial to establishing client loyalty through trust-enablers.

w standard of trust not und in today’s core values within the present day Personal-Lines Industry.

ers om one-holistic process. This process starts with the I.S.C., Insurance Security Consultant.

Many today see an agent of the future as someone who really understands asset protection, and understands the difference between just selling an insurance policy and skillfully handling a risportfolio. The agent insured relationship should be grown and nurtured in the same manner arelationships with other professional advisors, and advice from agents should be sought and considered for many risk and insurance issues. Remember risk managema The agent today is of course a licensed vendor of the service provider, the underwriter. In spite of his best intentions this relationship precludes the offering of accurate consultative advice. In spite of howclose the client relationship is to the agent, there remains an element of "doubt" or "mistrust," as the agent is seen as the seller of product that generates commission. When the core-competency of trust shifts into high gear through the control of tangible goods, principles will naturally change fvariables or risk and cost, to the values of trust and control. Since the fundamental issue is “ If our industry is to change the perception that many homeowners have about the agent, we must bring risk management expertise to them. Too often they are seen as simply selling a product withsome good service instead of providing solutions that extend far beyond insurance and may even eliminate some insurance. The ISC, Insurance-Security Consultant brings a nefo There are those who enable new products and solutions, and there are those who enable future nichemarkets, then there are those who stand outside an industry looking in… creating a new commerce between insurers and insured’s, buyers and sellers, as well as OEM’s to their Aftermarket Customfr

9

Brokered Trust: e each “image-text” Trust-Utility

ssign Value before Risk:

ctual

ven compared to

rently nder [one umbrella]? What is their real value before assigning risk, and in real time?

e now rsonal-

insurables within a trust-enabling process… before assigning any risk!

alue – 2 [brokered trust-values before assessing risk] The Human Components [page 19-21]

=

Be st-Utility, you will evaluate: B nents:

Human Component

Assign the Value Access the Risk

actuaries will turn t g a new real time underwriting and op procedure…

verified values insid A [Lesson the impact of many Personal-Lines variables] In the old paradigm of thought Personal-Lines Insurers would spend more time evaluating risk when it came to underwriting personal-insurables, and far less time in regards to avalue. One might ask, what are the dollar values of your automobile as it depreciates compared to what insurers are willing to pay if the vehicle is totaled or stolen, or at any gitime? What about your home structure or goods, what are they worth todaywhat your insurer is willing to pay in case of a loss, or at any given time? What about all your personal-insurables, meaning your household goods, which are curu

have a method to evaluate dollar and internal trust-values first…for peW

Value – 1 [brokered dollar values first… before assigning risk]

V

PhotoSecurity

Onsite

Risk

All images are digitally watermarked so they cannot be altered

fore you observe risk inside an image-text Trurokered Trust Compo

Verification Process Dollar Values Technical Security

Once goods are brokered, that is home, goods, autos, and all high-dollar items;

o our trust-enabling process first… creatin

Management

Personal

erating

10

Lines Main-I

PhotoSecurity?

Brokered Trust

Trust-Utility produced through the Insurance-Security-Consultant [ISC]

Main-

I (Main Image) (No adjustments) Main-Image or Image-Header is Verification of Tangible & Non-Tangible Asset

ID-I (Second Digital Link W/Encryption) (No Adjustments) ID-Image, is Agent Identifier, Time-Stamp, Room, Public Key Interface

Info-I (Third Digital Link W/Encryption & PKI) (Adjustments) Information-Image, is PKI Activated, W/Accredited Text-Voice-Video

Main-Image 360 & Single

ID-I

Info-I High Dollar Goods + Miscellaneous Goods

Insurable Goods The Verification Process

PhotoSecurity

Date: Time Stamp:

Agent ID Bedroom

Room Info: Values: Claim Handling: Notes: Other:

By the Room: 001 – Living Room $18k 002 – Dining Room $12k 003 – Family Room $10k 004 – Kitchen $9k 005 – Bedroom $11k006 – Bedroom 2 $7k 007 – Bedroom 3 $5k 008 – Bedroom 4 $3k 009 – Garage $10k 010 – Attic $2k 011 – Basement $6k 012 – Exterior Goods $7k A [non-intrusive] One-Hour Process Real-Time Values http://www.remotereality.com/vtprod/gallery/forestedge/modela/model_a1.html http://www.worldvr.com/virtualopenhouse2.html [examples only]

e Personal-Insurables are verified, a trusted hand-off takes place betwee Consultant and Owner [see page 15]. It now becomes the owner

Onc en th ’s

responsibility [in real time] to account for all their personal-goods.

11

Protected Information

Biometrics

Access

Internal Access

360 Image

Photo-Security

• The owner helps to initiate brokered trust through a non-intrusive digital process

Veri-Unit

[A One-Hour Process]

CREATING A BROKERED CEILING LIMIT Pe

♦ List Miscellaneous Goods (one entry total for major loss) Rugs, Drapes, Books, etc…

r Room: ♦ List High Dollar Goods

Total Room Value $_____

The owner outlines room-values [brokered data] within the “image-text” Trust-Utility

less into a n-breakable-relationship carried through… while the utility exists.

By using the latest b red, there’s no way

anyone can enter your P rsonal-Asset-Database.

The system is designed to create principled-trust surrounded by a utility with as few variables as possible. The agreements inside the utility are set-in-stone, automatic, and seamno

iometrics technology, once your goods are brokee

Image-TextTransfer:

PhotoSecurity

360 Camera

Image

Scanner

PhotoSecurity PSC Room-Divider

Veri-Unit Travel Case

PhotoSecurity

Wireless Transfer

12

PhotoSecurity

The entire trust-system and personalized database enabled through biometrics

ed.

all card 1996, identity fraud at MasterCard

s

cs

metrics with multiple providers; this

gh a tory/37600.html

The beauty of a biometrics trait is that it is as unique as the individual from whom it was creatUnlike a password or PIN, a biometrics trait cannot be lost, stolen, or recreated. This makes biometrics an obvious antidote to identity theft, a problem that is mushrooming alongside databases of personal information. The U.S. Public Interest Research Group estimates that up to 6% offraud in 1995 ($1.5 billion) was identity fraud while, inInternational Inc. quadrupled from the previous year. The price for biometrics devices is dropping rapidly as production levels rise. According to the International Biometrics Group, the average cost of a biometrics device in 2003 is expected to be lesthan $30 making them affordable for consumers and payment providers alike. A significant added benefit for biometrics payment providers is the establishment of true consumer loyalty. Biometritechnology requires the user to register a biometrics identifier with a financial institution. Once registered, a consumer will not likely want to re-register their biois where PhotoSecurity as THE onsite Trust-Enabler comes in… Even in difficult economic times, [the untapped online trust market] represents a significant opportunity for trust-institutions especially at the traditional front door. Consumers have freely provided information in the past without keeping a record of where it went. Biometrics throutrust-enabling hub using a Personal Asset Portal, http://www.ecommercetimes.com/s [Biometrics over Passwords] http://www.technewsworld.com/perl/story/31547.html

top Scams thru Biometrics] http://www.ecommercetimes.com/story/39268.html[S

PhotoSecurity

Trust – Institution 3rd Party

Biometrics

Insuran sultantTrust Enabler ce-Security Con

The co

Owner Personal-Asset-Database

Business Sites Personal Sites

13

nsultant will activate the biometrics process

ally subscribe fin• Digit gerprint system for all household

• All p

• Agento Personal Asset Database – eDestinations.

• Photoverification processes between 1st and 3rd parties.

Internet users.

ersonal information secured within digital billfold / file at the PhotoSecurity Server using biometrics

t logs on, authenticates “live-feed” from owners PC

Security as 2nd party trust-institution initiates the

Biometrics Smart Card Technology

FAST & SECURE

Se s Passports

ACCESS

Internet curity Gate

Personal-Asset-Database: Home prices have doubled over the past five years and because of that insurers want you todouble the amount of insurance you carrying on the home. Insurance companies have lost billions of dollars on the homeowner policy and are pressing their customers to boost their coverage. Homeowners have been hit with rate increases averaging 15% or more in many states, while many of these folks wrongly assume they’re covered for the full replacemcost of their home. From the in

ent surer’s side, the major losses have all but eliminated a

lacement policy guarantee.

With majo ost… this

rep

r losses, fewer than 10% of all policies guaranteed replacement caccording to Robert Hartwig in 2003, chief economist at www.iii.org

ne of the lessons learned in the 2003 California firestorms was how inadequate* O a homeowner policy could be without their knowing about it… until it’s too late!

ends a letter with every renewal

Insured Responsibility? Farmers Insurance, the nation's third-largest home insurer snotice telling customers to check the value of their home. St

d stability?

information for all Personal Insurables

loss,

em a e.

cords,

Once g

to manage real-time policies inside their Personal-Asset-Database.

ate Farm and Allstate, the top two home insurers; say they are doing the same.

• Who’s responsible for the value of our personal-assets, the owner or the insurer and why?• How could insurers install an up-to-date policy in real time to ensure trust an

Both Insurer and Insured access real-time

Digital-Original Real-Time [$] Values At this time insurers are asking homeowners to update the value of their home in case ofbut homeowners think the insurers only want you to upgrade the value of your home to charge you more. Insurers rely heavily on rote formulas and generalized calculations for getting value without facts about the actual cost. They say it is up to the insured to alert th

• Structure [Changes in real-time with market]

[C s]

ies]

• Personal Insurables anges thru owner after initial brokering proceshA Real-Time Dynamic Platform

to ny significant renovations. Under our policy of trust, the process occurs in real-tim • What would a brokered ceiling limit look like per home for all Personal-Lines Insurables? • What new values within a real-time operating and trust-enabling system help to manage country re

assessments, and residential tax structuring? These are just a few questions that arise from within a brokering process for Personal-Lines!

oods are verified it now becomes the owner’s responsibility [a trusted hand-off]

14

[Value Rated Then Risk Rated PolicPhotoSecurity

The Home2NetServices Framework

Main-I TToottaallllyy AAuuttoommaatteedd

A paper-less trail… in Personal-Lines [one-and-done]

Customers have both the personal motivation and the means now for taking control over their personal-goods. A personalized link between the insurer and insured through a Privacy and

ID-Protected – Personal Asset Database – does this in real-time.

15

OWNER of Assigned Property [See Pages 19-20]

Insurance Security ConsultantInitial Brokering Process

Personal Asset Database

PhotoSecurity

Biometrics Entry • Face • Finger • Eye

Multiple Portal Entry

Home Household Goods Auto # 1 Auto # 2 Boat

ID-I ------- Info-I

Owner as Personal Agent Personal Goods Management

Verify

Add / Sell / Delete Personal-Insurables

Utilize

Real Time

Policies

ID-I ------- Info-I

ID-I ------- Info-I

ID-I ------- Info-I

ID-I ------- Info-I

Personal Asset Portals

Utilize

Trusted Handoff

The Importance of Digital-Originals What would happen if all high-dollar Personal Insurables had a digital-original from the time of their purchase or brokering, until they no longer existed? When we speak of something original or verifiable in the traditional sense, which is being able to touch something of value, this is true-verification. How can we extend these trusted-values using the term original, to include goods in digital-format? How then will the term digital-original reverse back to traditional markets for those using our Trust-Utility system? Once a traditional-original is translated into digital-format it means that someone took responsibility [the human component], to begin the verification process.

Our portal as a single entry point for content is the place to offer highly personalized and customized processes to both internal and external users

Camera A J2EE Server-Based Web-Enabled System

Standard Image-Documents Main-I ID-I Info-I

Double-click embedded ICON activates the Process

Digital imaging has and will continue to change everything we’ve thought about in regards to tangible goods. We view a digital image of something tangible with no real trust factor behind it. How can we create a trust-enabling process before digital format so that when viewed online, trust has already begun? To this date there is yet a solution to control, secure, and then create trust for tangible goods into digital format, a format in which all industry stakeholders’ could benefit from. Uncontrolled goods in the Personal-Lines Industry have hampered a trust-building process between the insurer and insured spilling over to buyers who might purchase these goods online. If the process started by controlling goods insurers insures, and before digital format, and the owners of said goods were part of the extended trust process; wouldn’t this strengthen the confidence of those viewing these goods online? The Core-Component of the PhotoSecurity Trust-Utility is the Digital-Original

It’s liked being asked; is that a Digital Original or OEM-Copy of your Automobile? You reply…YES, this is the Digital-Original… of my real-world vehicle!

Digital-Originals track high-dollar valuables from cradle to grave [pages 17, 22, 24, 25, 28]

16

Image

Text

Digital Original

PhotoSecurity

Digital Originals [Introduction] On January 2nd you stop by Hofmeister Personal Jewelers to purchase a diamond ring. Immediately after the purchase, you through our trust-enabling process, add the digital-original to your Personal-Asset-Database. [See pages 17 & 18] Main-I ID-I Info-I

Logging into your database it’s now your responsibility to give details about the ring. Make Model, ID #and Value. Once you do this, your purchase is logged within a server of “brokered” goods, and the Real Property Insurers have been notified of your purchase. You understand [as an example only] if it cost $1.00 to insure $1,000 dollars worth of miscellaneous value. It cost $2.00 to insure $1,000 dollars worth of high-dollar valuables, and it cost $3.00 to insure specialty items, it just cost you $9.00 dollars to insure the ring for that premium year. Before buying the stone you understand the yearly premium based on brokered-values, and in real time.

The facts are that if insurers charges X-amount of dollars for jewelry, furs or other special items, but these goods are still underwritten using a variable cost platform; our system will

eliminate these values by setting controlled and brokered ceiling limits. You may decide to attach a garage, build a room, add a home theatre to your basement, or just have a garage sale. How is this handled under the current system? Insurers say it’s your responsibility to alert your agent; but how many times does this happen?

You sell $3,000 dollars worth of misc. items that day, and then write the amount sold inside your Personal Asset Database. If it cost $1.00 to insure $1,000 dollars worth of misc. items, you can now reduce your premium by $3.00 per year. Brokered Goods + Digital-Originals = A Trust-Enabling Process What will ultimately happen is that “digital-originals” will become one of our most important assets; more important than any digital-image outside our trust-enabling process. You now rely on personal-goods evaluations giving way to personalized trust portals described as the summary continues. In the latter stages of the summary you’ll begin to fully appreciate the simplicity in the term “brokered goods.” Some may decide not to evaluate or omit miscellaneous items; this is their choice inside their Personalized Database. [See page-36]

Again, let’s not forget, insurer’s say it’s the owners responsibility to update their policies. So why not do so upfront and efficiently [in real time] within a very personalized database!

17

PhotoSecurity

PhotoSecurity

Hofmeister Jewelers

Ready to Sell?

Portal transfer to eBay

See Pages 44-46

Product / Solution Trust-Utility “image-text”

The Trust-Utility is a server based and digitally linked process, which maintains secure interoperability, usability, rights, values, and controlled risk management for all insurable goods. Each Trust-Utility encompasses both image and text from an accredited Human-Component explained further as the plan continues. The system is designed to create principled-trust surrounded by a utility with as few variables as possible. The agreements inside the utility create a seamless relationship carried through… while the service exists. The human-element is a necessary component, a critical factor in establishing traditional trust while the utilities technical elements promote security. Personal-Asset-Portal Our Personalized Portals start with a digital-original from the ISC, PA, or OEM. Provides access to determined values set within perimeters of said property in both tangible and non-tangible assets. The Personal-Asset-Portal offers back and front-end applications under one roof. The portal permits CRM initiatives to move away from mere functionality towards a more encompassing business process for the convenience of all parties, i.e. Insurers to insured’s, Buyers to Sellers, and OEM’s to their aftermarket customers. It allows the scrapping of individual CRM designations entirely by countering with product lifecycle management inside a comprehensive utility. Product Description:

Main-I (Main Image) (Image of Tangible Goods)

ID-I (Identification-Image) (Make, Model, Value, Serial or VIN #)

Info-I (Information-Image) (Information Portal / e-aftermarketplace) Personal-Asset-Portal Benefits: • Provides single-entry tracking solution for Insurers, Insured’s, OEMs, Buyers and Sellers • Provides a unique brokering process between the insurer and insured • Provides a channel to increase OEM Lifetime Brand Loyalty aftermarket [web link] • Provides a lifetime trusted portal between anyone selling or purchasing new or used goods • Provides a direct OEM-Customer Aftermarket Connection 1st owner and future owners • Provides a loyalty CRM program at the manufacturers level – respond to customers needs • Provides a customer resaleble product between buyers and sellers (e-auctions) • Provides proof-of-purchase (acts as both sales receipt and photograph) Digital-Receipt • Provides direct product, part, accessory and service information “specific” Search Engine • Provides location for warranty, claims process, alerts, updates, new product development • Provides a new personalized and collaborative marketing channel, how much the owner desires • Provides lower operational cost and risk management for OEM’s and their partners

Many other ‘undiscovered’ aftermarket portal applications Note: Number of portal-values depends upon the industry, asset, and aftermarket usage

The Personal-Asset-Portal will create a deeper relationship with our customers, touch more aspects of their lives, and be more necessary than any other medium

To control goods inside a trust-solution, for both traditional and digital markets, you not

only need security, but human-components as well

18

The Trust-Utility carries one of three human-components, i.e. the Insurance Security Consultant [broker], the Personal Agent [owner of said goods], or OEM [Orig. Equip. Manufacturer] The Trust-Utility becomes the foundation for a trust-enabling process concerning all insurable goods. PhotoSecurity will therefore bond that the creditability of each party [using our Trust-Utility-System], contributes to the value of their Assigned-Digital-Property.

The Human-Component of Technological Systems [The-People-Factor]

• 1st Party Undertaking the Obligation [ISC-PA-OEM] • 2nd Party Receiving the Benefit [All Industry Stakeholders] • 3rd Party One Who Guarantees Transaction [PhotoSecurity]

PhotoSecurity: ASP [Brokering Host] for all Industry Stakeholders: • Manufacturer ~ PhotoSecurity ~ Purchaser [Triangular-Trust]

• Seller ~ PhotoSecurity ~ Buyer [Triangular-Trust]

• Insurer ~ PhotoSecurity ~ Insured [Triangular-Trust]

How can we better display a process of traditional-trust before digital format? Trust-Enabling Human-Components

The Insurance-Security-Consultant [Initial Broker of Goods] When the home is insured, personal-goods are valued inside the Trust-Utility to produce a value rated policy first… before assigning any risk. Our trained consultants replace the current outdated Insurance-Agent who does very little to insure trust and security. If by example, one room has 7 high dollar items worth $1,000 each, and $3,000 dollars worth of miscellaneous items, i.e. books, drapes, pictures, rug, TV-trays, etc… these are verified values through the Insuarnce-Security-Consulant. This extends further trust-values for the owner of said property, now a Personal-Agent of his or her own personal property.

The Personal-Agent [Owner] [Agent of his-or-her own Assigned Digital Property] The personal-agent is established only after the trust-enabling process for personal-lines is setup by the Insurance-Security-Consultant. The process for the personal-agent develops slowing as the channel between controlled goods and aftermarket services begin to take shape. The Personal-Agent now controls and helps to reduce risk for the insurer, as the next trusted handoff, after the initial brokering process through the ISC.

The OEM [Trust enabling process for tangible goods aftermarket] When high-dollar valuables are sold, the original equipment manufacturer enacts the-original image-text-document “digital-original”, established inside an “image-text” Trust-Utility. For example, if Callaway Golf sells a $200 dollar putter, the owner receives a utility designed around that particular asset, including a simplified aftermarket OEM_Customer Portal. When the owner receives the utility, he then logs all information into his personal insurance database. Lifetime values for the OEM extend customer-loyalty discussed later in the summary. * OEM enabled portals create a new aftermarket pathway once goods are brokered

19

ISC Insurance-Security-Consultant [Initial Broker of Goods]

An earlier description of the ISC using a portal for each room creates real-property-values instead of risk and cost variables from underwriting forward for today’s personal-lines. The ISC allows the customer to partake in the alignment of their goods to simplify the process on the front end. Each Trust-Utility gives testimony to what the goods are worth, per room, to include a price for each high-dollar item and one price for total miscellaneous items. But when the owner of the goods, now a personal-agent of his or her own personal property desires to connect to the OEM, they can then reverse the process, opposite of the OEM-initiate, by taking the image, then adding factual text. PhotoSecurity does the rest. Images: Verification ISC

Verification-of-Goods

PA Personal-Agent [Owner of Assigned Digital Property]

Once a Personal Agent is established, many things start to happen including the lowering of risk and liability for the Insurer. If the insured is then responsible for their own personal-goods, that is, acting as Personal Agents of their own personal property, does this not reduce a certain amount of risk and liability from the insurer? When a personal-agent signs up to be part of our trust-enabling process, [his or her responsibility in maintaining trust] delivers the approach that if you maintain honesty and accredited worth, services and lower premiums will exceed what other insurer’s offer many times over. It was the owner’s responsibility in the first place… let’s makes it right! * Trusted Handoff to PA from ISC [see page 15 again]

Images: Personalization PA Personalization-of-Goods

OEM enabled Portal: [Trust enabling process for tangible goods] [OEM name embedded in portal]

When a digital purchase is made, http://www.afterbot.com/solution/consumer_user.php3 sends the receipt to those that purchase on the Internet. This model, though important, does not address the much larger issues behind CRM, but does send a message from the OEM, a definite start. Our portal technology transfers an OEM digital-original of said purchase through PhotoSecurity initiating an important channel to stakeholders, i.e. Insurer’s to Insured’s and Buyers to Sellers, and of course OEM’s to their aftermarket customers. Personal-Asset-Portal values may only be a two-window process, or a normal three with minimal integration. Some of the Personalized Portal OEM Customer-Connections will have similar features you find at MyYahoo.com; only our portal technology will aggressively seek to stabilize customer-loyalty from their own Personal Asset Database.

There’s been a virtual disconnect into what’s real and what isn’t between distance parties; our trust-enabling process will change that perception!

20

PhotoSecurity

PhotoSecurity

Our portal technology is both measured and progressive … inside each Personal-Asset-Database

21

Personal-Asset-Portals

Trust-Utility PhotoSecurity.com

Brokered Valuables

OEM Aftermarket

ISC Brokering Process

PA Owner

Personal-Asset-Database Brokered Goods

110 Million

Homes

H2NS PSC RPI

Trust-UtilityPersonal Asset

Database

Control Before & After Digital Format

Auctions Transfers Buyers Sellers

TRUST ENABLERS

Once goods are brokered, the owner has the ability to create highly customized mini web

portals [a Customer Managed Relationship], inside their Personal-Asset-Database A Trust-Utility example produced through the Personal Agent [all future owners of said goods]

Main-I (Trust-Utility) (Secured / No-Alterations) Main-Image or Image-Header is Verification of Tangible or Non-Tangible Asset

ID-I (Second Digital Link W/Encryption) (Secured / No-Alterations) ID-Image is General Agent Identifier, Time-Stamp, Make, Model, Serial or VIN#, Value

Info-I (Third Digital Link W/Encryption & PKI) (OEM – PhotoSecurity – Customer ~ Internal Portal) Information-Image, is PKI Activated (Internal OEM- PhotoSecurity Portal)

THIS IS…Progressive-Personalization …Progressive-Customization

Personal Asset Portal Aftermarket CMR

A Pull-Push Algorithmic Process

Digital Original ID-I

.

Info-I Instead of marketing the many to access the few… the aftermarket portal target is already in place! A flexible OEM Trust-Solution

CMR Customers Rules the Relationship

The process remains the same for activities inside each portal according to the vertical market and mass customization therein. The consumer, now a personal agent of his or her own personal property, helps to reflect and direct these trusted-values, which will continue for all Personal-Lines Insurables. Current CRM models for OEMs do not support interaction at the individual customer level; our portal-technology crafts a customer-company interface while helping to prevent clients from dropping through the cracks between web sites and dealerships.

All Aftermarket Portals Are Progressive After The Initial Brokering Process By The ISC

22

A Personalized e-Aftermarketplace

Accessory & Part Search >>> Portal Partners: Accessories & Parts Purchased "Storage"

Specific-Asset-Advertising OEM Web Link / Industry Alerts

Auction-Transfer: Updated Image-Text Local Clubs / AOL-Chat / Magazines

Instant Messaging Real Property Insurers

Claim Handling / Interactive-CMR

Portal

ID # sbt1234 Time Stamp: Make: Model: Serial or VIN # Value: PKI

PhotoSecurity

Protected Information

PKI Biometrics

Access Internal Access

Search

Personal-Agent [example continued] Creating a digital image of the 1967 Mustang, you then go to your PhotoSecurity P.A.D. Insert the image of 67-Mustang, add make-model-VIN#, and other important information for the creation of a Personal-Asset-Portal into Ford, through PhotoSecurity.

Within a few minutes PhotoSecurity returns the process into a portal channel so that when you log in from you’re desktop, Ford knows who you are through PhotoSecurity by a non-intrusive ID-number. Ford through PhotoSecurity understands the values and enough information to add valuable products and services in the creation of… an e-aftermarketplace. What will that look like? It depends on the product, what the customer desires, including OEM-Partners. Note: In regards to insurance purposes, you’ll have the automobile logged as part of your brokered property in real time. Using your 67-Mustang Portal you realize that Ford, through PhotoSecurity, has set up the Portal per you’re specifications, mass-customization including a specific e-mail CRM address to Ford service channel, franchise, and other value-added-services. Since the Personal-Portal has already established an in-depth understanding of you the customer, PhotoSecurity through the OEM is better equipped to create and maintain the necessary data structure to address the lifecycle of the product. You asked for local Mustang Clubs, an already established AOL Mustang chat room, mass-customization-surrounding values of you’re asset, and a storage area for future parts, updates, accessories, related products purchased with a specific parts-accessories search-engine. Within a few minutes you’re ready to search for the illusive front right fender that’s been so difficult to find on your own at local salvage yards. You impute “right front fender” into the search box and wait for a reply. PhotoSecurity through Ford Motor Company does its thing, and within a few minutes a fender is found 250 miles away at Bills Salvage Yard. Ford using an intelligent agent process to search quantity and price brings up the fender, you then decide to purchase and the deal is done. You don’t know it, but Ford now that they have a new channel to a lifetime customer, extends… their value to include competitors. So it can be said that by enabling the value-chain for this vertical market, the customer will go here first, to your Personal Asset Database inside the portal first… before going anywhere else online. Brokered Goods = Trusted Personalized Portals The same applies for anything of personal-value, say it’s a John Deere riding mower you purchased 3 years ago, and now you need parts and accessories. You’ve already taken the image, added the values, you’re portal is now in place. You’re initial thought was to find a wagon to haul sod for you’re new landscaping project. But since you already have a secured database of personal-assets, this becomes you’re first and best channel. If PhotoSecurity through John Deere cannot come up with a competitive price, the search window provides other options to competitors. Speed, accuracy, pricing, security and service all within a portal in which to track, store, and manage related products, parts, alerts, updates, and accessories for that particular high-dollar valuable.

Purchased consumer goods become a gateway for eCRM aftermarket initiatives prompting

the attitude that why go carelessly into a non-directional web site when a Personalized Aftermarket Portal gets me there in seconds.

B+P+C Business + Partner + Customer = e-Aftermarketplace

Personalized aftermarket portals would be a natural fit inside a brokered property database

since the owner will frequent and trust this model first… before any other site.

23

A Trust-Utility example produced through the OEM [all future owners]

Main-I (Trust-Utility) (Secured / No-Alterations)

Main-Image or Image-Header is Verification of Tangible or Non-Tangible Asset ID-I (Second Digital Link W/Encryption) (Secured / No-Alterations)

ID-Image is General Agent Identifier, Time-Stamp, Make, Model, Serial or VIN#, Value Info-I (Third Digital Link W/Encryption & PKI) (OEM – PhotoSecurity – Customer ~ Internal Portal)

Information-Image, is PKI Activated (Internal OEM- PhotoSecurity Portal)

OEM Aftermarket Product-Tracking System Personal Asset Portal

Aftermarket CRM

A Pull-Push Algorithmic Process

Digital Original

ID-I We will design our new search function to leverage information coming into the search box to drive deeper personalization

Info-I

Instead of marketing the many to access the few… the aftermarket portal target is already in place! Interactive-CRM Accordingly to industry expert’s enterprises that leave service operations in hit-or-miss risk damaging brand loyalty and losing customers. Customers in industries with long-life products – like cars and computers – are especially at risk. While OEM supply chain and customer service operations have largely been automated, CRM and other online industry initiatives in the aftermarket have lagged behind. Unfortunately, there isn’t a way for OEM’s to track a sell once the purchase is made for high dollar goods, thus the aftermarket connection between the two usually falls through the cracks. The owner winds up using a generic product, accessory or part and eventually buys elsewhere. Using a customized portal creates a place where the initial purchase, is built inside each Personal-Asset-Portal. No matter how many owners the aftermarket Personal-Asset-Portal has in the future. Once a customer logs-in, OEM’s and their value-chain partners know who they are, what they’ve purchased, along with other integrated values to give owners exactly what they need.

24

A Personalized e-Aftermarketplace

Related Accessory - Product Search >> Accessories & Parts Purchased "Storage"

Portal Partners / Franchise Dealer OEM Web Link / Industry Alerts

Service / Product-Update: Repair / Warranty: Internet Billing / Customer Care

Specific Asset Advertising Auction-Transfer: Current Image Real Property Insurers / Contact Center

Ford Mustang 2004

Dealer: Make: Model: Serial or VIN # Value: PKI

PhotoSecurity Protected Information

PKI-Encryption

Biometrics

Access Internal Access

Search

An OEM – Customer eAftermarketplace schema:

1st and future owners Co-Creative Experiences One-to-One-to-Many Marketing

A Personalized e-Aftermarketplace between those that sell and those that purchase [High-Dollar Goods]

Provides an aftermarket personalized OEM-Customer [mini-web-portal] Provides portal values for insurance purposes [brokered trust] Provides a channel to increase OEM Lifetime Brand Loyalty Provides better customer service aftermarket through online portal interaction Provides a direct OEM-Customer Connection 1st owner and all future owners Provides direct product, part, accessory and service information “specific” Search Engine Provides a customer storage bend in future purchases of related products, access, parts Provides tracking and warranty system between OEM & established customer

OEM’s say OK, I need to have a great relationship with dealers because they close the

sale, but from a CRM standpoint, the dealer isn’t going to drive brand loyalty.

No longer will OEM’s feel competitors or copycats selling generic parts or accessories have the aftermarket cornered, the Personal-Asset-Portal changes that perception.

25

Personal Asset Portal

Harley Davidson

Sale Personal Asset Database

2004 Sportster XL

Designated Servers

Harley Davidson & Franchise Integration

Harley Davidson [Partner] Integration

Customer Personalized Portal Integration

PhotoSecurity / H2NS / RPI Integration

ID-I

Info-I

P HOT OS E C U R I T Y

SERVER

Pull

PushPhotoSecurity

PhotoSecurity

Brokered Trust

Transfer

CRM: [The good news is trust is not dead, and it can be revived through CRM] Today, most company CRM models do not provide a consolidated account view or service capability; instead each policy must be viewed separately often from the perspective of individual departments. Multiple customer contacts are often required to complete even the simplest transaction. When answers cannot be immediately provided callers are frequently transferred among different departments in the company. This is frustrating for customers and expensive for insurers. As portals go, most companies consider themselves customer focused, but in reality they are product-centric on the company side. Insurers view CRM as nothing more than a technology effort rather than a fundamental strategy because of today’s corporate culture. We are told that CRM is most valuable as a tool to identify profitable customers and strengthen relationships, but under new underwriting rules in Personal-Lines, everyone becomes important in the evolution of their personal goods inside a Personal-Asset-Database. Trust begins and ends here inside a personalized aftermarket contact center for all your personal insurables. From a controlled and brokered database CRM initiatives turn to CMR where the customer manages the relationship. Consolidating information within each PhotoSecurity portal allows customer self-service via the Internet -- just as with online banking. Once you’re connected inside a Personal-Asset-Database of brokered goods the customer rules the relationship. It's been estimated that fielding an insurance service phone call costs between $15-$25. By contrast the cost of an Internet service session is less than a $1. Our portals will reflect an intelligent and high-performance cache of historical customer information that is synchronized with [business] data warehouse initiative, but unlike a data warehouse it will be designed from the ground-up and in real time. When a customer finds a digital marketplace that accurately customizes the offerings to their needs, they appreciate the personalized value and return to do business again. That’s why it’s particularly important when a customer is required to invest his or her time in registering and interacting. A Reverse CRM Customer-First Approach: [Customer rules the relationship – CMR]

• Customer

• Customer-Centric-Strategy

• Portal-Product

• Company

26

PhotoSecurity [Industry Stakeholders] Manufacturer ~ PhotoSecurity ~ Purchaser [Triangular-Trust] Seller ~ PhotoSecurity ~ Buyer [Triangular-Trust]

Insurer ~ PhotoSecurity ~ Insured [Triangular-Trust]

Unlike today’s portal technology, the PhotoSecurity Personalized Customer Portal drives service levels and loyalty into one place, primed to leverage multiple touch points customers have with organizations Company Customer

A Customer-Facing – Self-Serving – Self-Learning – [CRM] System

27

Personal-Asset-Database Personal-Asset-Portals

Seller Buyer

Insured’s

Real Property Insurers

PhotoSecurity Trust-Utility

CRM / ERP / SCM Distribution

Retailers E-Tailers

Original Equipment Manufacturer

E-Auctions Dispatch-Services

Industry Stakeholders

Uncontrolled Goods into a Controlled & Trusted Digital Format

Point-of-Sale

Insurable Goods

Image-Text

Trust-Utility

Personal-Asset-Portal

Personalized Trust-Portals are the future gateway for e-CRM aftermarket initiatives for OEM’s, their partners, including the Personal-Lines Industry. When tangible-goods are brokered between the insurer and insured, the process naturally extends to all other industry stakeholders, i.e. OEM to their Aftermarket Customers, as well as Sellers to Buyers of future brokered goods. Personalized advertising inside each portal address using all available tools will be like mini-web-sites geared around personalized products and services owned by the consumer. These mini personalized web-portals create an e-aftermarketplace for a host of products purchased, services, recent travels, personalized business service portals, business projects, and other profound changes. Personalized trust portals will also be appropriate for tax collectors in assisting in the collection of property taxes. Under-reporting real property is a big problem, but by tying together insurance claims and government revenue through legislation and/or regulation, this is another key example of what our portal technology is capable of. __ ____________Digital-Originals_ ___________________

Our portal technology allows an already established customer personalization, [to include insurance services] while today’s existing CRM portals remain fragmented and variable at best.

With so many CRM technologies being designed to face inside the enterprise, helping internal

employees do their job. PhotoSecurity is creating a customer–centric strategy outside… [At the consumer’s desktop or PDA] then back-to-the-enterprise… in real-time!

A personalized-portal whereas the CUSTOMER dictates OEM-Partner Reaction… instead

of the customer reacting to the OEM-Partner

If you purchased a Koss Walkman Radio or a 57-inch Flat-Screen at BestBuy, like most, the warranty card is seldom sent to the OEM, and the insurer doesn’t have a clue as to its value. How can we simplify this process on the front-end, and to what advantages will this be to all concerned? Within a few months you start to have a problem with the portable radio or TV, now what? ♦ Go back to BestBuy after their warranty guarantee is up, and find out you need to call the OEM? ♦ Go online to BestBuy, look through until you find the item, click down a few web links to find out more

information about the item including the 1 800 number? Then what? Remember, a very simplified process will become part of your Personal Asset Database, PAD.

Once the warranty card is sent, then what? You still need to find the phone number, call, be put on hold, present the problem, mail it back, and then wait for an answer.

28

PhotoSecurity PhotoSecurity

Coin-Collection

PhotoSecurity PhotoSecurity

John Deere Renner Ford

What if there was a simpler way to present a new type of customer touch-point within a Personal-Asset-Portal. A portal that could easily find what you need, when you wanted it, no matter how long you owned the item. What if that same portal would work when you sold or possibly gave the item away to the next person? What if the portal not only addressed service issues, i.e. what number to call, where to send it, a direct e-mail number for specific questions; but new products and new technology about this particular product with a place to purchase replacement parts? • What if the OEM during the transfer of the portal through PhotoSecurity stated that within each

portal their logo was displayed to authenticate the product purchased? • What long-term OEM lifetime values extend this connection? • How would this display a trust-enabling process so the next person who purchased the product

knew it was real and not some hoax or some fraudulent act? • How integrated would it be for OEM partners? ** Dependent upon the type of asset, dollar values, and the needs of the Customer,

inside each Personalized Portal; will determine integrated values. On Monday the 15th of Nov 2002, you drove to BestBuy and purchased a Koss Radio.

Value $44.34 [Does the $-Dollar value set portal significance? Not necessarily] After returning home, you open the item and view the warranty card. Taking a few moments to read through the card, you decide not to send the warranty card into the Koss Company but use a Personalized-Portal through PhotoSecurity. Since you’re already a member as a Personal-Agent, you transfer the correct information online. PSC asks for the Retailer, Serial Number, Date of Purchase, and other important information, and within minutes, you’re using a personalize-portal to Koss, through PhotoSecurity. What will that look like? Page 4 illustrates Personalized-Portal Values. It this case the portal is a very brief but powerful tool with a direct 1-800 or e-mail link inside their brokered-goods database. By controlling assets within a Trust-Utility the consumer benefits from their desktop to include consumer-reports on a particular good, insurance values, and a direct online approach without stepping to the traditional front door. By controlling valuables from time of purchase, the manufacturer stays in contact with whom-ever owns the valuable as long as it continues to exist. Cradle to Grave – Customer Retention & Lifetime Contact If you’re personal assets were inside a secured digital portal back to the OEM, and this portal presented a personal marketplace with an aftermarket service entry… would you use it? Once products are sold, the consumer may or may not decide to purchase replacement parts, accessories, search for updated products, or new versions from the same manufacturer.

The aftermarket sales-channel from OEM’s to their customers was limited, while the aftermarket sales-channel for competitors / copycat producers was endless.

An OEM Aftermarket Personal-Asset-Portal changes this perception!

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New Industry Standards: From the Variables of Risk & Cost to the Values of Trust and Control; the how and why: The process for Personal-Lines Insurables has for many decades been woefully inefficient with little changes. Insuring a policy often results in the entry of the same information three separate times, containing errors, creating unexpected liability, and damaging the insurer’s credibility in the process. The insurance limits on personal property are generally a percentage of the limits on the home. Because of the blanket nature of this coverage, people don’t think about their possessions until a loss and then they may forget some items or, worse, discover certain items were not covered. Many are outraged to find they are over or under insured http://money.cnn.com/1999/05/13/life/q_overinsured Because the value of an item exceeds a cap set by the insurer, or because of the type of item it is, some property is not automatically covered under most homeowner’s policy. Seventy-five percent of homeowners are under insured with over 25% of those under-insured by some 30%. These high dollar serial numbered goods must be scheduled—that is listed within each room value of brokered goods inside each [non-intrusive] “image-text” Trust-Utility. How are millions of unconfirmed goods now stored as digital property at sites such as www.ofoto.com going to be verified? Have they been altered? Do they contain fraud? Anyone can store hundreds of images at a photo-site and claim it’s theirs, but by [brokering], then underwriting using real-property-values brings about major changes in protection and underwriting our patents explore. Remember that under the standard homeowner policies today an insurer for personal goods gives you 50% or “minimum varying coverage”. This does not include additional cost for jewelry, PC’s, watches, guns, collectibles, and other variable premium-coverage’s.

Besides your personal goods, the HO-3 policy will not include provisions often called “endorsements”, and these endorsements even if they exist, may not be explained in detail in annual policy mailings. Do homeowners remember to ask? No, they shouldn’t have to. In communities with extensive building codes that have changed dramatically over time, and there are many, an older home could face significant extra-uninsured costs to rebuild.

New from a ground up, Personal-Lines will now become a dollar-for-dollar system, running in real-time. The entire process is built around speed, accuracy, and electronic communications once the brokering process takes place between the Owner and the ISC.

A one-and-done [real time policy], a system running in real-time, while elements of risk is both with the Owner and the Insurer

From price matters to services matters in real time… another significant PARADIGM!

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Under the format of “brokered goods”, there won’t be a need for variable coverage. The conclusion for insuring Personal-Lines in the future will totally eliminate the variables of risk and cost as shown in a policy below. No longer will you guesstimate value verses coverage. You won’t have HO-Coverage’s or elite-status-criteria’s with multiple confusing options. You’ll know exactly what’s being covered, at exactly the right price, no matter how much you have in Jewelry, Furs, Silverware, Contents, Fire Arms, Valuable Papers or Stamps, Home PC’s, or anything else for that matter. Your policy now becomes a dollar-for-dollar evaluated system running in real-time

[See Page-36]

Like most insurers today you get minimal coverage for the maximum amount of pay-in. The chart below is just an example of what you won’t find using our underwriting process. [Variables] Homeowners Coverage*

CNA Elite CNA Deluxe CNA Special ISO HO3

Dwelling RCV Yes Yes Yes Yes (if insured to value)

Contents RCV Yes Yes Optional By endorsement Blanket Property Limit Yes Yes Yes Not available Contents extended perils Yes Optional Optional By endorsement Jewelry and Furs $10,000 $5,000 $2,500 $1,000 Silverware $10,000 $5,000 $2,500 $2,500 Money and Coins $1,000 $500 $200 $200 Business Property - on premises $10,000 $5,000 $2,500 $2,500

Firearms $5,000 $2,500 $2,000 $2,000 Valuable Papers and Stamps $5,000 $5,000 $1,000 $1,000 Boats and their trailers $2,000 $1,000 $1,000 $1,000 Lock Replacement $500 $500 $500 No

Temporary repairs Reasonable cost Reasonable cost Reasonable cost Reasonable cost Building Ordinance Up to 5% above Up to 5% above Optional 10% of Coverage A Home PCs Extended perils, Extended perils, Named perils, Should be separately

__________________________________________________________________________________________ WHY D0 THEY HAVE THESE VARIABLES? BECAUSE THEY DON’TCONTROL GOODS THEY INSURE! Under a real-time operating and underwriting system, insured’s will know exactly what’s

being charged, insurers will know exactly what-to-charge, using synchronized trust-enabling procedures, guaranteed thru the PhotoSecurity Trust-Utility System.

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What if: An insurance adjuster stops by to confirm a broken valuable by verifying, takes a digital image, then sends the image-text document thru proper channels for storage. What if through a similar process the adjustor also takes a 360-degree-camera image of the same damaged room? What if in the future, the same adjuster takes images to verify goods from all rooms before the damage? If your insurer stopped by and wanted to non-intrusively take one 360-image per room, just to get a ceiling price in total home value of your personal assets, [nothing intrusive] would you let them? If it meant what it should, and that is a Trust-Utility that over-turns industry variables into real property values, eliminating fraud, padding, double dipping and needless litigation reducing policies… I don’t know of one person that wouldn’t. If the service was already factored into the policy, reducing risk thus reducing premiums, while adding valuable tools for protection and aftermarket services… the conclusion is obvious. If the insured are responsible for their own personal-goods… that is acting as Personal-Agents of there own Personal Property; does this not reduce a certain amount of risk and liability from the insurer? Remember, this is a trusted-handoff from initial brokers giving owners [in which insurers say they had the responsibility anyway], a trusted platform. The ISC initiates the verification process through a Professional DRM solution, followed by

the PA, owner of said goods, who utilizes the Personal DRM solution. A Trust-Utility to Manage RRRisk

A Trust-Utility for Managed RRRights

Personal-Lines Insurables Risk Measuring Models

Trust Utility Personal-Lines Industry

New-Approach Current-Approach

Trust thru Control ~ Control to Insure

When you manage and control goods inside a Trust-Utility a locked blueprint is drawn… reducing risk, cost, fraud, and needless litigation, while protecting ones digital rights.

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Insurable Goods Brokered

Value then Risk Rated Real Property Values

Risk Shield 95%

Insurable Goods Non-Brokered

Risk Rated Only Variables of Cost & Risk

Risk Shield 45%

D RRR222M

If it’s easier to control… it’s easier to underwrite!

Brokered goods for today’s Personal-Lines will eliminate a host of industry disappointments in claim management for both the insurer and insured. One of the greatest challenges in claims management is for the claims representative to have access to updated and real-time information, and on each and every claim. Brokered property in real-time is managed thru each Personal Asset Database. Underwriting values will now change including standard homeowner deductions. Let’s say a long time policyholder with no prior claim history reports a water loss. A ten-year-old 27” color television is damaged and a qualified technician has confirmed the item cannot be repaired. Because the insured has replacement cost coverage for contents, they are expecting a settlement amount that will allow them to purchase a new TV. The problem is with the $250 deductible. After visiting the local electronics retailer, the insured soon realizes the actual like, kind, and quality replacement TV (based on the features of their old model) is $500. With a $250 deductible, the insured is faced with spending $250 of there own money to purchase a new TV. The insured rationalizes that this is simply not fair as a loyal policyholder who has paid their premiums each year, decides now to supply the adjuster with a replacement TV which is priced at $750. This way the insured will receive a $500 settlement from the insurance company and simply purchase the actual replacement TV- no harm done. The adjuster, busy with many claims, takes a look at the insured’s description, sees the attached receipt for the $750 television, compares the new TV features with the original (supplied by the insured) takes into consideration the insured’s claim history, and promptly overpays the claim by $250. From the insured’s standpoint: a harmless transaction resulting in no out of pocket expenses. From the insurance carrier’s standpoint: fraud, which costs over $24 billion annually. Under our policy all personal goods are valued in real-time, creating a new dollar for dollar underwriting system. It’s said that over 64% of tenants do not have coverage on their personal goods. They believe it is not only two expensive, but to confusing and some think the landlord policy covers their goods. With the amount of high-dollar items owned today including young ones, our unique brokering process allows the control of their Personal-Insurables no matter where they may move. As they upgrade there dwelling with say new drapes or cabinets, adding valuables will be a natural fit, inside a very personalized Personal-Asset-Database of brokered goods. Industry surveys show that:

• Insurers spend $75 per month as administrative cost on every claim that is maintained • An average P&C Claim can take up to 3 weeks • About 40 % of time spent in claims handling is associated with routine overhead functions that have

limited impact on the out come of the claim Old industry standards: Even when the agent or broker can provide truly expert claims assistance, the responsibility for actually preparing the documentation required for loss payment normally rests with the insured. New industry standards: Within each Trust-Utility documentation is set in real-time thus preparing a claim summary will be short with assistance from the professional agent. The responsibility will not be that the insured prove ownership; the utility proves that with the agent. Within the old system there were public adjusting firms who worked exclusively for the insured, and staff adjusters working for the insurers, but under the guidance of a trust-utility, there won’t be a need for such actions on either side. Public adjusters are known for their zealous efforts to secure the most favorable loss settlement possible for the insured, and the same for the staff-adjusters working for the insurers. Unfortunately, however, there have been incidents of fraudulent conduct on both sides since they usually receive 10% from each claim settlement. This outdated process will be totally eliminated using “brokered trust” inside each Personal-Asset-Database.

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Under Insured Homeowners are urged to review and update coverage every year, but still 75% of homeowners are about 30% under insured, and less than 5% photograph their goods. Like most insurance companies, they suggest homeowners use a New Year’s resolution to schedule a meeting with their agent to review the contents and photograph. But how many agents are willing to spend their free time helping clients evaluate their contents for hours? Does the client really want to set around and discuss another boring aspect of insuring, when in fact the insurance company, your agent, in representing you, doesn’t care what you have in your home or office? If they did, why are 75% of homeowners under insured? They say: “A person’s home and its contents, which often include family heirlooms, fine arts and other valuables, are typically their most prized possessions”, you should protect them. But who protects? The only way to curb fraud, padding, and litigation while creating the ultimate trust-factor between these two parties is through a brokering process. Stolen Property Let’s say you have a stereo system worth $2500 that is stolen. You’ve logged your goods at PhotoSecurity. Once you notice the lost goods, you call PSC. The agent views the items stolen then drags the photo with ID numbers into our lost control software. It is then linked to the local, national database of stolen property. When the thief tries to sell the item to a pawnshop, owner views the item (they must log all serial numbers) and using a regular phone, calls a toll free 1800 PhotoSecurity number. When the Photo-ID image is logged into the system, it will be detected before any cash is exchanged at the pawnshop. An alert signal comes up so the pawnshop owner can either call the police, or send the person away and explain what just happened. The ultimate goal is to provide a mental picture for the thief so that if anyone steals valuables with a PSC signage in the front yard, they not only understand the perimeter is protected, but the high-dollar content valuables as well. In a few years time what would this do to insurance rates and word of mouth behind PSC’s technology? Double dipping will also be a thing of the past with a simple inventory tracking system much like the auto industry. Once a homeowner claims a loss on an item, this item is logged and never to be claimed again. Our software will pick up the item even if it makes it to the pawnshop or a second claim is filed. Example: Sally has a claim on TV, sends it out to the shed to hide. She tries it again in a few years under a different insurer, but a PSC tracking system has this item listed as stolen, replaced, or damaged. Now Sally has some serious questions to answer.

Autos are tracked from cradle to grave; valuable consumer goods must be too! Underwriting for Personal-lines to date still assumes the commodity- platform. That is, every new piece of business generates a request for seven or eight proposals on the part of the agent or broker. It is carefully underwritten these days on experience but, because of volume, it is community rated and not risk and especially value rated. Agents are concerned about their customers; insurers are concerned about risk, so the value proposition becomes a commodity of insurer pricing. Reverse the model under a specialized underwriting platform, for example, what if you knew everything there is to know about movie theaters, about what can go wrong. This gives you the ability to go to a theater and assess their operation and make recommendations that reduce the risk of those things happening. If they agree to make those changes, then you have effectively lowered the probability that a claim will be made. Fewer clams translate to a lower loss ratio than commodity-oriented providers do. That means you can charge lower premiums while still running at a higher margin.

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Stepping into a home with prior knowledge in assessing the owners operation, {the theatre analogy used for lowering risk}, this also would influence recommendations, [online before the visit], that also reduce the risk of things happening. Evaluating under real property values, a dollar-for-dollar insurance-premium creates a specialist approach in reversing the trend from price-matters, to service-matters. When loss-control services enter into the picture, the entire nature of the game changes, the value proposition isn’t simply limited to providing insurance coverage for a premium anymore; it involves minimizing all losses. This requires having an intimate understanding of policyholders, which requires developing a close relationship with them. Many play the commodity game, but few can play the high-quality loss-control service game. This is where a non-intrusive brokering process using an “image-text” Trust-Utility, between the stakeholders, creates a trusted digital platform to include many insured that have lost recent insurance coverage through no fault of their own besides filing a claim. Consider those hard-to-insure cases all insurers talk about, those with a history of claims. The insurers rely heavily on the agent who knows very little about the customer based on actual trust and risk factors. I have yet to see one agent address any type of onsite risk management necessary to better the relationship between the insurer and insured… it just doesn’t happen! What if under some type of standardized point system, [see page 9] a reversal of the present day model was displayed creating real-time trust? What if under the same model, the insured understood that given a dollar for dollar evaluation program, neither side could commit fraud of any type? What if a ceiling limit inside a Trust-Utility meant that padding in the initial-policy per-room premium, you would be paying extra for the policy and the insured knew this up front? What if instead of large spikes in losses for the insurer during an event, and under a real-time

trust enabling process, the over-all-system fluctuated-pennies-per-major-losses based on a large customer-database?

Cost & Risk Reductions

1. Reduced fraud, padding and double-dipping 2. Reduced litigation [less attorney’s on hand] 3. Reduced multiple-policy copies / policy handlers and unnecessary stakeholders 4. Technology savings “trust-portals” 5. Owner as part of “trust-system” 6. OEM as part of “trust-system” 7. 10% to independent adjusters “all but eliminated” 8. NCAgroup.com sends thousands of adjusters to disasters, this would drastically be reduced 9. Fewer onsite adjusters – appraisers, owners are now in control of brokered property 10. Online inspections 11. Real-time underwriting methods with one trust-enabling system 12. No more bid-rigging, price-fixing, or secretive-industry-kickbacks 13. Others yet to be discovered

The reduction of risk and cost for tangible-goods as stated above will reflect in lower

premiums for the Insured. And no longer will American Households pay $300 or more in premiums each year just to offset the cost of fraud in Personal Lines!

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P.A.D. Personal-Asset-Database [adds or delete] They say that improvements will reduce your property and liability risk and could result in a lowered insurance premium, and if you change the type of heating system, upgrade your electrical system, add a burglar alarm or add a room; but you should keep your insurance agent informed. How many do this, and by what avenue of trust will this build real value between the insurer and insured? Can these values happen in real time under the current system? The answer is NO, thus the beginnings to a Personal-Asset-Database running in real time between the insurers and insured. * Under our system, real time evaluations mean accurate assessments in a homeowner’s premium. If you build a new room addition and it cost $10,000 dollars, from what verification process extends real value from the same homeowner policy? If you build a home theatre in the basement, and spend $15,000 dollars, by what verification process extends value from the same policy? When a valuable is deleted from your Personal Asset Database, the reverse model allows you the same simplicity. If the valuable is inside a 360-degree image from the living room, the individual [dollar value] will be incorporated inside the original “image-text” Trust-Utility. Under the delete-window, you’ll be asked to take a separate image, add the values stated in the text, and then remove the value from your Personal Asset Database, PAD. * Remember, we are not talking about care taking for every little item, but the high-dollar valuables the insured want to insure. Whenever you want to either delete or add to your [brokered P.A.D.], you will bypass all other services through a single window interface once you’ve logged in. If you decide to add or delete wills, deeds, personal pictures, etc… you will do so from your personal area outside the initial brokering process setup by the Insurance-Security-Consultant. One of many values here is to let the owner know that by taking care of their personal-goods inside a trusted-format, all other inter-related services in regards to personal property can happen inside your Personal-Asset-Database first… without going any place else. Say for example you have a yard sell and get rid of $3,000 worth of miscellaneous items, and two high dollar items worth $1,000 each. The deduction is easy; lets say you have $5,000 dollars worth of value to delete, within minutes of your deletion your database is updated. Naturally… values will differ between misc. items and high dollar items. [The example was on page 17] This opportunity in real-value allows both the insurer and insured the advantage of knowing exactly what’s being insured, and at what value. If the owner pads in the initial brokering process, it will cost them x-amount of dollars up front, [and they’ll know it]. In other words, if the owner has 10 rooms, and pads approx. $500 dollars per room, they are going to be charged additionally to cover the padded $5,000 dollars. Why would they pay this extra premium when the insurer wins in the long run? A Loss Preventive Option: using a dollar for dollar underwriting system means those that claim a loss could get their premiums raised and not dropped. Those that don’t lowered. If you have a $5,000 loss, and it cost $2 to insure $1,000 dollars worth of goods [high dollar goods], your new premium could reflect these losses. If your premium totaled $400 dollars for your homeowner policy, it could cost you an additional $10.00 dollars for the next year. This is one of many possibilities under a new real-time underwriting & operating system.

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Real Property Insurers and their underwriting practices will in no way share current underwriting principles or risk analysis in regards to present day Personal-Lines. Their core competencies do not reflect a trust-enabling process for their clients. You cannot have hope-for technology or product breakthroughs by leveraging their existing competencies based on unreliable variables of risk and cost!

Why bring someone else’s “virus like competencies” into a new and untarnished platform?

Ask yourself: • Can the present day industry say trust is a core competency? No • What are the core competencies for today’s insurers?

Since the words insure means “a full measurement of trust”, why isn’t it practiced in today’s Personal-Lines Industry? Everything accounted for in this summary drives our new system forward, but outside our trust-enabling process in today’s world; it’s the current thinking paradigm that holds up valuable and necessary changes currently on the table. We’re going to make them! Insured Neighborhood Trust: You don’t know Bill across the street, but one-day you meet while raking leaves and ask. “I saw a vehicle in your driveway that said Home2NetServices; what was that about?” Bill replied: “ Oh yeah, they brought stuff I asked for online, e-coupons and catalogs, personalized bundled-bookmarks, valued and insured all my household items through PhotoSecurity, including car, boat, and collectibles using Personal-Asset-Portals, along with a biometrics fingerprint system to everywhere I visit, including my bank. Now that I received the service, I’m comforted knowing everything thing is covered, at set values, and that controlling my database in real time allows me to add or delete whenever I purchase or sell something. You ask; what was the value compared to what you’re paying in premiums? Bill replied: “Well I can tell you it was over $300,000 worth of brokered goods, and our policies are now value rated, before being risk-rated. Our policies based on brokered goods cost us about $1,500 a year”. As you were walking back to the house you replied, “I see thanks”. Early next spring, you met Bill down by the mail box and said: “I had those guys come by and they brought stuff from the net, web-cam, bank biometrics security, Personal-Asset-Portals, and secured all of important assets I have around the home”. “They valued and insured my personal property, including car, boat, household items and other high-dollar assets”. Bill asked, “How much value did you have?” You replied: “I can tell you it cost me about $750 a year for these policies. Bill replied, “Oh that must mean you have about $150,000 worth of goods” The fact remains that a brokering process brings real value to our ever-changing landscape in real time presenting the start of a new dollar-for-dollar underwriting system in Personal-Lines.

_______________________________________________________ One day you’ll purchase a new flat-screen TV and you won’t even need to think about what it cost for insurance, or whether the insurance company knows about it. You’ll visit you’re online PAD, a Personal-Asset-Database, notice you’re goods grew by $3,000, and see it cost a few bucks to insure it for that premium year. Inside a Personal-Asset-Portal you’ll have the ability to track the warranty from the original equipment manufacturer, including other personalized OEM-Customer services.

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Property within each Trust-Utility influences positive breakthrough underwriting principles

from the Variables Risk & Cost …to the Values of [brokered] Real Property

Real Dollars – Real Values – Real-Time Procedures An Industry that realizes its losses and gains in real-time

The Personal-Asset-Portal viewed earlier in summary helps to symbolize “brokered values” designed in the creation of a dollar-for-dollar underwriting system. When the customer assembles a total per-room value before the arrival of the Insurance Security Consultant, the homeowner knows that if $500 dollars were added to cushion each room in case of a loss, there would be an extra charge based on real value. If it cost $3 dollars to insure $1,000 dollars worth of goods, why would the owner be willing to pay extra over and above the actual premium? The answer is… he wouldn’t need too!

Eliminate waste from fraud, padding, litigation, and a host of industry variables

When speaking of real dollars, real values, running within a real time operational system; you’re talking about a new trust-enabling process to begin with!

$200K Structure [Portal Values] $100K Household Goods [Portal Values] $30K Auto # 1 [Portal Values] $20k Auto # 2 [Portal Values] Personal-Asset-Database $10K Motorcycle [Portal Values] $5K Boat_____ [Portal Values] $365,000 in total insurable goods [One-Trust-Portal-System]

We are entering the real-time era where all organizational structures are moving to become real-time systems, a time when the Personal-Lines Industry will no longer rely on commodity

underwriting using the present-day… risk and cost variables platform for tangible goods.

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Premium Rise

Asset Values

$100

$200

$300

$400

$500

20-K

40-K

60-K

80-K

100-K

110-K

130-K

140-K

120-K

$700

$650

$600

$550

150-K $750

IN REAL TIME

Values Reports Reviews

Appraisals Underwriting

A REVERSAL OF VARIABLES ~ FOR A MORE ACCURATE MODEL

$500

PremiumFall

The Control of all Tangible Goods The control of goods before digital format creates the seed in which the Insurance Security Consultant starts a transformation process of uncontrolled goods into a controlled and secured digital format. Once the ISC has transformed unaccounted goods into a verified process, extended trust is then set-in-motion for the owner of said goods. What happens when you control goods before then after digital format?

Control the Image? Control the Property

Control the Property? Control the Industry!

A New Digitally Brokered Personal Lines Industry

Avenue: Home2NetServices / PhotoSecurity / Real Property Insurers

• Services into the home

Trust-Enabler: Insurance Security Consultant

• Brokers of unsecured insurable goods Trust-Enabling Solution: Trust-Utility – Personal-Asset-Database – Personal-Asset-Portal

• Industry product & solution Trust-Enabler Extended: Personal-Agent

• Owner of his-or-her own assigned digital property Stage of events [before and after the visit]

I. Home2NetServices / PhotoSecurity / Real Property Insurers II. Insurance Security Consultant [Initial Brokers of said goods] III. Brokered Property [Completed stage of verified database] IV. Owners as Personal-Agent [Assigned Digital-Property] V. Personal Asset Database [Brokered Goods] VI. Personal-Asset-Portals [Aftermarket Personalized Portals]

If the Real Property Insurance Group through PhotoSecurity controls personal-insurables before and after digital format through a comprehensive Trust-Utility, are they not then creating a preferred and

one-day necessary channel for the survival of eBay? Yes!

CONTROL THE GOODS… CONTROL THE GOODS THAT OTHERS INSURE!

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110 Million Homes

H2NS PSC RPI

Image-Text Trust-Utility

Control Before & After Digital Format

Auctions Transfers Buyers Sellers

A New Personal-Lines Initiative

Insurer/Underwriter Brokered-Industry Agent Broker & Risk-Consultant

Real Property Insurers PhotoSecurity Insurance-Security-Consultant

The consensus from the June 19th 2001 IRMI Editorial is that the successful agent of the future will provide additional value-added services. These services may indeed increase their exposure to E&O claims, and they must carefully implement their own risk management programs to combat this risk. Some of the services mentioned will be to analyze loss data, and help solve specific risk management problems

About the only point of debate with respect to whether agents and brokers should provide such services was whether the entire risk management function could be effectively outsourced to an agent or broker. Mr. Kalafarski VP – risk management services of AON Risk Services, who made an effective argument that the skill sets of risk managers and agents/brokers are essentially the same by showing recruiting advertisements for both types of positions – they were virtually identical.

Deregulation; the March 14, 2000, draft of the NAIC Property and Casualty Rate and Policy Form Model Regulation outlines criteria for an entity becoming an “exempt commercial policyholder” or ECP. Most states are including some version of the risk manager requirement, which begs the question: Can the agent serve as a risk manager to enable a company to meet requirements, and if so, how does it change the agent’s E&O exposure? In general, the duty of an insurance agent is to act in good faith and follow the client’s requests to procure the best available insurance for the most commercially reasonable price. While agents/brokers have long provided additional services, nothing was typically done to create the special circumstances or special relationship that would create a duty to provide other services. For example, if an agent is not being paid any additional compensation for risk management work, he or she is unlikely to look for risk, or be held legally liable for not giving advice on risk management issues. This deregulation of commercial insurance lines will change the nature of the relationship between an agent and insured, and will supply the need for the duty to in a relationship between an agent and insured.

“Deregulation offers new opportunities to agents, but they must recognize that by trying to fit into that niche, they are taking away the best shield they have against a suit.”

Let’s suppose for a moment that the present industry model included onsite risk-management for personal-lines from an agent evaluating personal-assets. What would that look like? At this time, www.assetverification.com Greg Forman the founder is taking hundreds of images per home and burning those images onto a CD. Each item imaged requires a sales-receipt with an average of 600+ images taken, and approx. 6 to 8 hours in labor to do so. That said, doesn’t this model amplify the complications between the insurer and insured? Is the insurer going to keep a copy of the CD? Does the CD reflect a trust-enabling process in total value without rider policies for furs, jewelry, computers, watches, and other valuables that normally require one? What would the insurer do with a copy? Although this does seem to calm the storm of distrust for the insured at that particular moment, it does not however implement a long-term trust-strategy for either side.

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With hundreds of verification services throughout the US, http://www.inspektech.com, www.centexris.com, www.inventoryservices.com, www.garapindustries.com/inventory/services.htm, www.starinventory.com, www.thehomejournal.com, www.millionskies.com/Home_Inventory. The next logical step is to broker Personal-Lines insurables, creating a trust-enabling process between all industry stakeholders.

Insurance Agent Analysis: Troy Korsgaden The agent of the future will be someone who really understands financial needs asset accumulation and asset protection--and understands the difference between just selling an insurance policy and skillfully handling a risk portfolio. These agents will understand that there is such a huge potential for growth and additional business that they will willingly invest their money, time and energy in technology and people. Steven B. Steinberg, CPCU, President, Principal Consultant at Entrust Risk Management Services A relationship should be grown and nurtured in the same manner as relationships with other professional advisors, and advice from agents/brokers should be sought and considered for many risk and insurance issues. It appears to me that agents and brokers do in fact give excellent advice, however, I find that the excellent advice is always related to a policy sale, because if the need is there and the policy is right, (as well as the premium and corresponding commission). Remember risk management by its nature involves attempting to treat risk with a number of vehicles other than insurance. Unfortunately, most agent/brokers compensation (whether directly or indirectly) is based off the sale of insurance policies. W. Hank Bahr, CPCU, ARM, CIC, President, Bahr Consultants, Inc. The agent is a licensed vendor of the service provider, the underwriter. In spite of his best intentions, this relationship precludes the offering of accurate consultative advice. In spite of how close the client relationship is to the agent, there remains an element of "doubt" or "mistrust," as the agent is seen as the seller of product that generates commission.

Julie Schatz, Senior Vice President, Roberts & Crow, Inc. Obviously, some agents/brokers can and do give their customers sound advice, even if it means less immediate revenue. They do understand the essential value in establishing and maintaining credibility, and that always means placing the client's needs and interests first. Agents that give reliable advice often find it ignored. Providing sound advice is crucial to establishing client loyalty. However, in and of itself, sound advice does not establish a consultative relationship. The fundamental issue is perception. Don Way, CPCU, CLU, ARM, Chairman, Thoits Insurance If our industry is to change the perception that many business owners have about us, we must bring risk management expertise to them. Too often we are seen as simply selling a product with some good service instead of providing business solutions that extend far beyond insurance and may even eliminate some insurance. Who’s the Customer?

Complicating the implementation of CRM technology in insurance is the fact that carriers have yet to come to grips with exactly who the customer is Policyholder or Agent? I maintain the customer is the policyholder as it should be, but today’s insurers are part of the complex and unnecessary value chain, and unfortunately they need to take good care of their intermediaries. That is focusing heavily on the agent risks carriers, frustrating their agents, and confusing their policyholders who don’t often distinguish between carrier and broker. They think of servicing policies and not the customer. We are going to make the necessary changes from the customer’s perspective!

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In the future: Once a purchase is made for [high dollar items] through the PhotoSecurity–VisaCard an

additional transaction takes place into the RP-I, Real Property Insurers P.A.D. [Personal-Asset-Database]. From point-of-sale the transfer of the purchase arrives within minutes. By the time you get home you have an e-mail alert for said purchase. You add the image, values, serial # and date, within minutes your account is updated in real time. You understand that within a few days after the purchase, PhotoSecurity creates the first-phase of an “image-text” Trust-Utility. In this case it was the 57` flat-screen Sony TV you purchased for $3,000 dollars. Establishing a first link portal back to the OEM, after you ID the TV, you’re initially looking for future reference in regards to aftermarket warranty, service, and product updates.

1. Decision to Purchase 2. Point-of-sale Software 3. Transfer of Purchase [PhotoSecurity / Visa Card]

A.) Credit Account B.) Real Property Insurers [+ $3,000] C.) P.A.D. [Personal-Asset-Database] updated in real-time

Your P.A.D. before the purchase was $365,000.00 in total insurable goods, [Page 36] with the purchase of the digital TV; your total now is $368,000.00. Each portal for personal-lines are separate in that your home structure, household goods, autos, motorcycles, boats, etc… all are within their own trusted-portal with the continual flow of real-property in real-time through a real-time operating consumer-centric [CRM] system. One must remember the values for underwriting do a complete 180` from today’s variables in risk and cost for Personal-Lines.

The value proposition here again is to control goods before digital format, through a comprehensive Trust-Utility. To control goods through a Personal-Asset-Portal from OEM’s forward, continuing this control to include a new Personal-Lines Industry objective of, “real property values” underwritten in Personal-Insurables. The new underwriting values include purchases made, adding worth to an existing Personal-Asset-Database in each home.

The owner receives a full account of personal-insurables within a trust-enabling system The insurer receives upgrades inside real time policies creating new $ values through each purchase

Households naturally accumulate more goods than they get rid of

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PhotoSecurity Buy a Valuable? Update a Policy

in Real Time

Future Portal Values: The perception of trust in value for our personal-goods seems quite far from our everyday lives. As an automobile owner some of the story’s I’ve read in regards to what an insurance company pays out when your car is totaled, are quite frightening. I was reading the other day about a business in which 99% of insurance companies bring into play during a pay out to their customers when there’s a total loss. This company on average evaluates about 30% less in book value than what the vehicle is worth using KellyBlueBook, Edmonds, or NADA. If you own a 2001 Mustang and have 10,000 miles and someone totals you’re vehicle, you won’t be happy about what the insurance company is willing to pay out. http://money.cnn.com/1999/05/13/life/q_overinsured It seems those 99%… kind-and-lovable insurance entities use CCC Information Services, www.cccis.com who regularly participates in local, state, and national survey’s, inquiring about automobile models for vehicles, and, reading any type of auto advertising section in the classifieds to acquire a low book value for each type of automobile. So if you own a 2001 Mustang, and it has 10,000 miles and it’s totaled, here’s what could happen. You first check www.Edmonds.com and insert all the particulars about the vehicle and a reply says the day before you’re accident you’re vehicle is worth approx. $18,500. You then check www.NADA.com, and then www.KellyBlueBook.com. They return a price of $19,250 and $20,000 respectfully. You in you’re infinite wisdom divide those numbers by 3 to get an average of $19,250. A year ago you paid $24,500 dollars for the vehicle new, but since the perception of value of trust up front from the three entities gives you a solid foundation in which to work from, you’ll probably be content with the $19,250. But think again… Little to you know that on average, CCCIS evaluates vehicles up to 30% less than the three well-known industry book-value-companies just discussed. This means you could receive $5,775.00 less than what you had first thought. What if you’re insurance company didn’t come close to the three well-known auto evaluation models, what would you do? Do you spend cash and valuable resources including attorney fees to fight it? The sad fact is that most don’t and wind up not trusting their insurer, therefore going somewhere else for coverage. Let’s back up and twist things around a bit. What if before or after the accident you were directed to a Personal-Asset-Portal for this vehicle, and using real time information came up with a preferred explanation based on brokered trust? Unlike your home, automobiles are guaranteed to depreciate yet many people maintain the high coverage they had when the car was new, even though now the car may be rusty and dinged with high mileage, and won’t be getting near the value in paying insurance for full coverage. You’re told to keep an eye on the Kelly Blue Book value each year to gauge what to insure your car for. But is your insurer willingly to tell you your auto is worth less, therefore dropping your rates based on these real values? The paradigm-shift begins as it has for all your Personal-Lines insurables! Utilizing our portal technology you won’t need to worry about lowering or dropping your insurance coverage as your vehicle depreciates; our Trust-Utility-System does this for

you in real time.

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Digital Original Transfers: [B2B, B2C, B2G, C2C] Ebay may be out of reach for most competitors, but there’s still fire under the kettle to beat eBay before its game ever begins. I mean think about it, where does a large portion of these goods come from? Of course, they come from an uncontrolled database. A database of property owners who have goods in which those that insure their goods, don’t know they have them, therefore don’t control them. Everyday millions of homes digitally transcribe tangible goods into digital format on their way to eBay. Everyday millions of households leave for work not knowing they’re insurance policies are variable at best. Variable in the sense that no one, even the insurers, has accounted for goods they represent under a Personal-Lines Policy! Those that control the pathway from traditional to digital format, for all tangible goods, will one-day control contents before they reach eBay. Think about it! Through an internal monitoring system all aspects in the auction process are seamless and automatic so that by the time the owner sends his property, authenticates, property dispatched to multiple auctions, the time spent during the entire process is less than five minutes, unlike eBay. The agent can now monitor all activities including real time bids. Unlike static auctions, real time biding in a dynamic sense allows the seller to select the time they wish to sell, and at what price. The owner can choose to activate their e-address and sell on the fly: Desktop / PDA Real-time Bidding Platform

Info Image

Main-I ID-I Info-I Those who have their goods brokered have access to simplified auction services. Those who have their goods brokered and sell through our trust-portals transfer technology to a buyer who becomes aware of PSC – H2NS – RPI Our portal technology will touch a variety or business partners including Online Auctions and Real Estate Brokers. Our partnership program creates deep relationships from the

view of an entire industry, not just segmented through interrelated companies.

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Content Values

Last real-time Bid: $200

11-22-04 11:31a.m.

Brokered Property Viewed:

Trust-Utility System Personal Agent {ID # sbt01234}

♦ Factual image-text of item to be sold ♦ Desktop Transfer

Personal Agent {ID # sbt01234} What Trust-Factors unites our Trust-Utility process? 1. Who is the rightful owner of said image, can it be proven every time? 2. Is the information displayed correct, is it hype or fact? 3. Should there be guidelines when it comes to statements made about image-text-content? 4. Does property exist, how could you tell, and from what secured encapsulated method? 5. When was the image shot, documents written, therefore setting standards in valued deprecation? 6. Who is responsible when information is not correct, is it buyer-beware, or buyer we care? 7. Does it protect both the buyer and seller? Digitally Brokered Property adds Value to both buyers and sellers because:

1. Verified text/image gives you date from which to start in determining value, time, and depreciation 2. You know the image or text could not have been altered because of Encryption/PKI technologies 3. You see the agent’s license number; it becomes a trusted image, bonded to protect you 4. By having the agents ID #, you know agent tells the truth detailing all the facts, both good & bad 5. The buyer knows what defines a brokered image, therefore trusting yours before anyone else’s 6. By presenting well-defined guidelines, allows other countries to view & buy with total confidence 7. Brokered image-text thru PhotoSecurity insures the image is from an accredited broker

PhotoSecurity ~ Product Trust Network ~ eDestinations

Photo-Dispatch Services If Stephen Temple is selling an automobile, commercial goods or high dollar items at any online B2B-C site, and is an accredited agent? Photo-Dispatch Services sends his images to major onlinewww.auctionnet.com auctions, e-market sites, or company channels that sell, trade, or have a need to view those particular items, all, or in part. If there are 10 great auction sites for that particular item out of the 600 or so online auctions, PhotoSecurity enables the multiple dispatch process; the agent gets maximum exposure through multiple channels.

Because of our unique brokering process, and the ability to bond our client’s digital property, frees eBay from any liability – thus PhotoSecurity will charge a nominal fee.

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PhotoSecurity

Trust-Utility Personal-Asset-Portal

Photo-Dispatch Transfer

EBay / MSN Yahoo / B2B2C2G

Desktop / PDA Real Time Bidding

Bid Alert

Sell? Yes / No

How Brokered Property Is Viewed:

What does this mean for: Business Transactions?

• Brokering represents each valuable, which means the image-text was checked, secured, and bonded • Each valuable image-text is linked seamlessly and securely through B2B exchanges • Each valuable image-text is monitored through industry buyer/seller exchanges • The PhotoSecurity embedded ICON represents a brand of trust

What does this mean for: Business Exchange / Auction Site? • Not liable for any fraud • Receives the image with text, ready to go • Increases their image database, therefore increasing traffic • Free from any liability & litigation because the image is bonded through PhotoSecurity • Encryption technology secures the image and text from altering • Auction / B2B sites get level playing field; receive image-text same time as their competitors

What does this mean for the Personal Agent? • Agent gets multiple web sites, thus increasing exposure on all auction sites. • Agent doesn’t hassle with sign ups, text & image. • Agent knows his image will get the most hits because it’s brokered through accredited agent. • Agent saves time deciding where to send the image, and time spent signing up • Agent receives process through personal application

EBay Affiliates: Customers pay to send images with a return appraisal or authentication certificate, and it’s only that, an image of something sent to somewhere else online to authenticate with no trusted-values! www.Collectionchannel.com charges those who send appraised images, but states: “conclusions are based only on non-verifiable client-provided written descriptions and photographic or digital images of the property, and not on a personal inspection of the property by the appraiser”. Therefore, the value conclusions contained in the appraisal may be less reliable than had the item been personally inspected. You are responsible for ensuring that information provided to the appraiser is accurate and complete. Image-Text Authentication Lets say someone views the image Stephen displayed; they use the process to review the image (text opens up above the image). To make sure the image is validated, the individual calls a toll free (1 800 PhotoSecurity), automated number, which says: “Please use your telephone key pad and enter the number you wish to verify?” The response will be quick and precise by saying, “number 3056476 is authorized, and the image is verified”. Another method in determining our verification process is to insert the PSC Agent # at our home web site. Instead a 45-minute eBay delay, your time to market is less than a minute through our comprehensive Trust-Utility System. Auctions: * The bottom line here is to provide a trust-enabling solution in real-time to our customers, which serves as both convenience and trust-issues to the owner and to eBay. The event of using the multiple auction dispatch service may not ever happen. But the fact remains that by sending a brokered image to eBay creates a new trust-level in which others who see the system, desire to become part our trust-enabling process, for all their Personal-Lines Insurables. Trust for tangible goods begin and end inside each Personal Asset Database!

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Conclusion: The start of the digital age has influenced the idea of traditional to digital trust and back again, but we only see fragments of it through Digital Rights Solutions, companies such as Entrust and VeriSign. A comprehensive solution to ensure trust for both economies in all aspects has yet to arrive. It’s the creation of this trust-enabling process between all industry stakeholders, i.e. Insurers to Insured’s, Buyers to Sellers, and OEM’s and their Aftermarket Customers, which sells this new idea of controlling goods before then after digital format, enabling a new untarnished industry. Personal-Lines insurables are most-certainly an uncontrolled commodity, a commodity in which insurers insure, but they do not control. Since insurers do not control any of the goods they insure, this leaves a hug industry gap in the creation of new platforms, a patentable business model, all whose core competency is centered on TRUST… and the CONTROL of all tangible goods? Yes! Once goods are verified & brokered inside a Personal-Asset-Database, running in

real-time, giving way to a new dollar for dollar underwriting system, the owner, [the responsible party for his or her own assigned-digital-goods] helps to reduce the

variables of ‘risk and cost’ including fraud, padding, and needless litigation.

I believe that in the future that a Personal-Asset-Database will be measured by its ability to capture a person’s personal-assets, and use this information to deliver

enhanced services to consumers and to business partners

I argue that the Personal-Asset-Portal will create a deeper relationship with customers, touch more aspects of their lives, and be more necessary than any other medium

including MSN, Yahoo, or AOL. In the future, when you need information about a personal-valuable, you’ll go to

a Personal-Asset-Database where trust starts and ends inside each PhotoSecurity “image-text” Trust-Utility

Intellectual Property of: Stephen Blair Temple 3916 Saint Simons Court Indianapolis, Indiana 46237 812 552-1113 pscfounderst@yahoo.com

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http://www.ereleases.com/pr/home2netservices-announces-a-revolutionary-new-way-of-insuring-personal-property-4712 Todd Alexander / Senior IBM Trust Consultant Stephen: You appear to have a comprehensive solution to establishing and ensuring trust in “image-text”. I am currently employed by IBM Global Services, where I act as a Senior Trust Solutions Consultant with the worldwide PKI Center of Competency. I have developed a comprehensive framework for trust-enabling services and would be most interested in understanding how your solutions satisfy these criteria. Ultimately, I envision “trust utilities” providing a variety of trust-enabling services, including the kind you propose. I think this is what makes your solution so unique. It's not just the server, agent, credit, encryption, label, tracking device, distribution, copyright, time-stamp, and bonding. I would therefore also be interested in understanding how you may be able to fit into such broader solutions. http://www.trustenablement.com http://twitter.com/TrustEnabler _____________________________________________________ Raymond Burns / Senior Trust Programmers Stephen: To paraphrase, and along with some others that have reviewed your ideas, your approach seems more grounded in the reality and complexities of everyday commerce than other solutions I have heard of. You have attacked a specific area (on-line auctions, in my brief reading) but the solution framework could easily be extended to cover transactions of physical property in general. Yours is the first comprehensive approach I have seen in establishing trust for electronic markets/distant parties sufficient to allow real levels of commerce. Our last assignment was with www.certco.com Certco.com defaulted quite a few years back, and I believe Ray Burns has passed away. No longer find him on the net.