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4815 results about "Risk assessment" patented technology

Broadly speaking, a risk assessment is the combined effort of...

System and method for predicting consumer credit risk using income risk based credit score

InactiveUS20110078073A1Accurate assessmentImprove acquisitionFinanceIncome lossProspective evaluation
Systems and methods are described for scoring consumers' credit risk by determining consumers' income risk and future ability to pay. Methods are provided for measuring consumers' income risk by analyzing consumers' income loss risk, income reduction risk, probability of continuance of income, and economy's impact on consumers' income. In one embodiment, a method is provided to evaluate an individual's creditworthiness using income risk based credit score thereby providing creditors, lenders, marketers, and companies with deeper, new insights into consumer's credit risk and repayment potential. By predicting consumers' income risk and the associated creditworthiness the present invention increases the accuracy and reliability of consumers' credit risk assessments, results in more predictive and precise consumer credit scoring, and offers a new method of rendering a forward-looking appraisal of an individual's ability to repay a debt or the ability to pay for products and services.
Owner:SCORELOGIX

Method and system for evaluating network safety situation

The invention relates to a method for evaluating the security situation of a network and a system thereof. The system has a two-surface three-level framework and is provided with a public service surface and a service management surface for executing uniform coordinated management on each functional module of the system; according to a service logic processing flow, the system is divided into three levels: an acquisition level, an analysis level and an exhibition level for completing four evaluating operations of assets, frangibility, threat and security situation; the invention is based on the characteristic of service operation in the network, combines the prior risk evaluation method, the prior flow and the prior security detection tool and provides a set of a novel dynamic real-time evaluation method. The system can analyze the assets and service of the network and the risk of the whole network and carries out the evaluation of the security situation. The system can provide the security state of the whole network in macroscopy, can deepen to specific service and assets and know the specific security problem, thereby effectively helping network security personnel to analyze the root of the security problem and assisting to provide a security solution proposal and implement a defense measure.
Owner:BEIJING UNIV OF POSTS & TELECOMM

Network-based trading system and method

A network based trading system and method are provided which combine economies-of-scale enjoyed by institutional investors and mutual funds with direct ownership of securities to permit individual investors to participate in the bond market in a cost effective manner. Through team investing, institutional economies-of-scale are created for individuals by allowing groupings of individuals to buy and sell bonds as a “team,” thereby executing one cost-efficient trade in the institutional market rather than many smaller trades in the inefficient retail market. Also, through customer-to-customer (C2C) trading, customers are allowed to negotiate a trade directly with one another as an alternative to selling in the inter-dealer market. The system and method also incorporate an automatic risk assessment and trade approval routine for evaluating a proposed trade of a financial instrument which was received from a customer in an electronic form.
Owner:KIOBA PROCESSING LLC

System and method for determining an objective driver score

The present invention is directed to a business method in the field of automobile insurance, more specifically, a system and method of determining an objective driver score that may be used universally by independent insurers to evaluate the risk of insuring a driver by employing certain risk assessment factors concerning the driver's personal history which are each analyzed to derive weighted scores. Each driver is provided with a portable pin with an electronic key unique to the driver that is encoded for selective activation of a monitoring unit in a vehicle such that solely the activities of the driver being assessed is recorded and communicated to an evaluation center. Once activated, the monitoring unit records and generates the driver's risk assessment record based on the driver's operation of a vehicle equipped with the monitoring unit, as well as other variable parameters concerning operation of the vehicle. Said driver's risk assessment record is analyzed to derive a weighted driver risk assessment score that is aggregated with the individual weighted scores derived from the risk assessment factors to generate an objective driver score.
Owner:F3M3
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