Accessibility insurance coverage management

A method of processing accessibility insurance coverage requests, said method comprising:

• receiving a web page request over a computer network from a user, the web page request corresponding to a web page, the web page including visual data;
• in response to receiving the web page request, transcoding the visual data from a visual presentation form to an audible presentation form, wherein the transcoding further comprises:
• determining that the visual data is copyright protected;
• in response to determining that the visual data is copyright protected, sending a permission request to a copyright server;
• in response to sending the permission request to the copyright server, receiving a response from the copyright server indicating that it is permissible to transcode the visual data;
• in response to the transcoding, storing transcoding fee data in a transcode billing store, the transcoding fee data including a content identifier corresponding to the web page and a user identifier corresponding to the user;
• receiving a coverage request over the computer network from a requestor, wherein the coverage request includes the user identifier, an insurance identifier, and the content identifier;
• identifying insurance coverage data corresponding to the user, the identifying based upon the user identifier, the insurance identifier, and the content identifier;
• transmitting the insurance coverage data to the requestor over the computer network in response to the coverage request;
• determining an insurance payment amount, wherein the insurance payment amount is a first portion of the transcoding fee data;
• and
• determining a user payment amount, wherein the user payment amount is a second portion of the transcoding fee data.