30 results about "IT risk" patented technology

Systems, methods and computer program products for creating and valuating intellectual property rights-based financial instruments, including patent futures, options, swaps, and the like, are disclosed. In an embodiment, the present invention provides a “patent derivative” to allow investors (e.g., venture capitalist) to hedge their risk in investing in a high-technology, start-up company with no issued patents, but with one or more pending patent applications. The system includes databases for IP rights and financial information, as well as a central processing trading server that is accessible via internal and external workstations. The workstations provide a graphical user interface to enter a series of inputs and receive information (i.e., output) concerning such a financial instrument. The method and computer program product involve collecting the series of inputs affecting the value of the financial instrument and applying a pricing model modified to account for some aspect of potential intellectual property (e.g., patent) rights.

Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.

A method for analyzing a financial stock market trend according to this invention is provided, in which a parameter formula is used to form a long-term trend region and an intermediate-term trend region and to analyze a Bull-and-Bear trend in a long period of the financial stock market and in an intermediate period of the financial stock market; a short-term trend is further used to analyze and show a Bull-and-Bear trend in a short period of the financial stock market; finally, according to the long-term trend region, the intermediate-term trend region, and the short-term trend, the trend of financial stock market is forecast, and the uncomplicated, precise method for analyzing the structure of financial stock market trend is provided for a user to heighten his or her profit and lower his or her risk of investment.

User-specific medical, genetic, fitness, environmental and nutritional data is collected to develop personalized health and wellness programs for improving a user's health and wellness. The user-specific data may be collected from medical or genetic tests, mobile health devices worn by the user and applications through which the user manually inputs information. The user-specific data is then collected and analyzed together based on knowledge of the interrelationships between medical, genetic, fitness, environmental and nutrition data to develop a comprehensive user profile and personalized health and wellness programs that are targeted to improving specific areas of the user's health by implementing changes in fitness, nutrition, medical treatment, environment, etc. The user is provided with a customizable, interactive dashboard graphical user interface of their current health and wellness data, which, along with notifications, incentives and rewards, helps the user improve their overall health and wellness and significantly reduce their risk of morbidity.

The invention relates to an air travel scheduling platform that incorporates turbulence forecast and other safety data into search results and flight query filters such that air travelers can choose flight options that minimize their risk of experiencing turbulence, or exposure to other hazardous events. It also allows travelers to monitor turbulence and other hazardous forecasts for specified flights.

A system and method for validating a given wire or financial transaction to determine if the destination bank or any connecting or correspondent banks have a direct or indirect relationship with an illicit entity and, if an illicit relationship is identified, the system attempts to reroute the transaction along a compliant path. Such indirect illicit relationship may be set to require at least two degrees of separation and may be user or bank defined depending on their risk tolerance. The rerouted compliance path may identify multiple paths and rank and prioritize that paths based on risk tolerance, associated fees of the banking touch points, and can automatically approve reroutes or display paths to the user for selection. Further, the system allows banks to set and can then determine any compliance fee splits amongst all entities that may receive a portion of the fee and any adjustments from any rerouted paths.

Aspects of the present disclosure allow an insurance company or other institution to manage its risk by establishing a charge consistent with hedging costs in offering a minimum guarantee on an underlying investment product to its customers. Such guarantees on underlying investment products may be included in, but are not limited to, variable annuities and contingent deferred annuities (CDA). Embodiments of a process are disclosed by which the charge for a guaranteed benefit in an investment product on underlying investments can vary by investor based on actual investment behavior. Advantageously, the insurance company or other institution can better manage its risk by reducing exposure from the actual experience compared to the investment behavior assumption and enable benefits to be charged more precisely for the actual risk taken (e.g., the insurance company can offer lower cost benefits for customers who are more risk averse).

The invention relates to a self-sufficient resource-pooling system (1) for risk sharing of a variable number of risk exposed aircraft fleets (81, . . . , 84) related to airspace risks, wherein resources of the risk exposed aircraft fleets (81, . . . , 84) are pooled by the system (1) and a self-sufficient risk protection is provided for the risk exposed aircraft fleets (81, . . . , 84) by means of the system (1) preventing imminent grounding or operational collapse as a consequence of an occurrence of a natural disaster events, such as volcanic eruptions. The risk exposed aircraft fleets (81, . . . , 84) are connected to the system (1) by means of a plurality of payment-receiving modules configured to receive and store payments from the risk exposed aircraft fleets (81, . . . , 84) for the pooling of their risks and resources and loss cover is provided based on the pooled resources and risks by means of the system (1).

A system for managing risk in employee travel may display a world risk map having countries color coded or otherwise indicating a risk level associated with each of the countries. The countries may be assigned to geographic groupings, such as continents, and the countries of the geographic grouping may change to a uniform color or other indication when the cursor is disposed within the boundaries of one of the countries of the geographic grouping. Clicking on the geographic grouping may cause the world risk map may cause the display to zoom in on an enlarged geographic group map with the countries displayed with their risk level indication. Clicking on one of the countries may cause a country information page to be displayed.

A Risk Assessment Company (RAC) maintains an up to date Risk Profile Data Base (RPDB) on its members based on their normal periodic updates to the RPDB. The Risk Assessment Company, therefore, can provide risk assessment results which can be utilized by a plurality of insurance carriers to determine an appropriate underwriting class for individual user subscribers who apply for insurance. The Risk Assessment Company can also provide a member with a risk assessment result report containing suggestions on how said person can better manage his or her risk exposure.

An apparatus and method that enable a case officer to manage visits to probationers according to their risk level priority. The apparatus receives probationer information from a remote supervision server and displays the information by their risk levels. The case officer can drag and drop the name of probationers on an appointment calendar which will calculate an appointment schedule according to the location of each visit, the travel time between the visits, the default first visit time, and default last visit time. After the appointment schedule is calculated, the map will display the optimized route. The case officer can manually change the order of the visits and the apparatus will automatically recalculate the appointment schedule and the route. The invention can further process all the data used to calculate risk of recidivism to predict criminal activity in a given area using location specific information and data collected for probationer management.

The invention discloses a pregnancy outcome influence factor assessment method based on a relative risk decision-making tree model. The method comprises the steps that binary digital processing is conducted on data in a national free pre-pregnant eugenic health examination item information system, then a Pg exposure value of a pre-pregnant eugenic health examination-reproductive age population exposure value multi-dimensional input matrix is obtained through establishment, and a relative risk vector RR suitable for space-time multi-dimensional condition is established according to the Pg exposure value; a pre-pregnant eugenic health examination item Examy corresponding to the maximum relative risk in the RR is selected and serves as an empty father node of the relative risk decision-making tree model TR; blade node risk factor risk serves as an empty blade node of the relative risk decision-making tree model TR. The method is applied to pregnancy outcome influence factor assessment, the assessment accuracy of pregnancy outcome influence factors and their risk factors are effectively improved, the utilization value of pre-pregnant eugenic health examination data to smart city building is improved, and the method has the important significance on promotion of social harmonious and sustainable development.

A resource pooling system and method for multi-pillar triggered risk transfer associated with prolonged independent living under elderly illness occurrence by providing dynamic self-sufficient risk protection for a variable number of risk exposure components by the resource pooling system. The risk exposure components are connected to the resource pooling system by a plurality of payment receiving devices configured to receive and store payments from the risk exposure components for the pooling of their risks and resources. The resource pooling system includes a filter device configured to capture age-related parameters of risk exposure components and filter risk exposure components associated with an age-related parameter greater than a predefined age-threshold value by the predefined age-threshold value.

A system for generating automated notifications by aggregating data to provide alerts to interdict at-risk conduct. In the system, an aggregator application accesses a plurality data sources addressing at-risk conduct. The aggregator application generates reports of incidents of at-risk conduct by specific individuals and stores the reports in a database. A dynamic risk computation engine scores each individual for their risk of engaging in at-risk conduct according to metadata on contacts of that individual within the plurality of data sources. Any individual having a score exceeding a pre-determined threshold triggers an alarm and a notification is provided in real time to competent authorities to allow a responsible person to make a timely intervention.

The disclosure provides an investment structure and corresponding arrangement which involves methods and systems whereby the asset manager directly or indirectly makes a seed investment in the new fund and hedges its risk, while obtaining financing on its investment. Additionally, in another embodiment, the financial institution or asset manager may actually make an investment into the fund and hedge itself by trading with the fund. The financial institution would require little collateral as the methods and systems of the disclosure are designed to recognize offsetting positions and early detect any hedging mismatches.