Legal and regulatory compliance program and legal resource database architecture

• US 20020194014A1
• Filed: 04/19/2002
• Published: 12/19/2002
• Est. Priority Date: 04/19/2000
• Status: Abandoned Application

• Current Assignee: Zurich American Insurance Company (Zurich Insurance Group AG)
• Original Assignee: Zurich American Insurance Company (Zurich Insurance Group AG)
• Inventors: Starnes, Curt R., Ruff, Joan R., Jenkins, Sherry L.
• Application Number:
  US10/126,646
• Publication Number:
  US 20020194014A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/18 Legal services

Abstract

A distributed risk management system, computer program, and method are provided that together provide a comprehensive source of risk management and compliance information that permits businesses to more effectively manage risks associated with business activities. The invention permits businesses to identify potential liabilities, evaluate current procedures in dealing with such risks, implement recommended risk management procedures, and validate that the recommended procedures have in fact been implemented and are effective.

Claims

1. A computer program stored on a computer-readable memory device for controlling operations of a host computer, the computer program comprising:

instructions operable to access at least one database of information relating to loss prevention issues;

instructions operable to enable a plurality of users to access the host computer via a communications network;

instructions operable to receive from the users at least one request for information relating to loss prevention issues;

instructions operable to respond to information requests by accessing the database to locate the requested information;

instructions operable to administer a test to a user, the test including a plurality of test questions relating to loss prevention issues, the test prompting the user to provide answers to the test questions;

instructions operable to access correct answers to the test questions;

instructions operable to compare the answers given by the user to the correct answers;

instructions operable to access recommended procedures relating to each of the test questions; and

instructions operable to provide to the user, for each of the test questions that were answered incorrectly, the recommended procedures that relate to the test questions that were answered incorrectly.

2. The computer program as set forth in claim 1, the loss prevention issues including at least one of the following:

sexual harassment issues, discriminatory hiring and firing issues, environmental issues, workplace safety issues, disability issues, tax issues, antitrust issues, securities issues, insider trading issues, hazardous materials issues, truth-in-lending issues, personal injury issues, and officer/director liability issues.

3. The computer program as set forth in claim 1, further including instructions operable to receive verification from the user that the user has implemented the recommended procedures.

4. The computer program as set forth in claim 3, further including a code segment operable to track which users have taken the test, test results for each of the users, and whether each of the users has implemented the recommended procedures, and to generate tracking information relating thereto.

5. The computer program as set forth in claim 4, further including instructions operable to enable an administrator to access the tracking information to validate compliance with the recommended procedures.

6. The computer program as set forth in claim 1, the communications network being a network selected from the group consisting of an Internet, a local area network, a wide area network, an intranet, and an extranet.

7. The computer program as set forth in claim 1, the information stored in the database including at least one of the following:

loss prevention articles, frequently asked questions, loss prevention standards, loss prevention best practices, applicable laws, and loss prevention tips.

8. An on-line web-based risk management system for providing loss prevention information to users, the system comprising:

a host computer; and

a computer program stored on a computer-readable memory device accessible by the host computer for controlling operations of the host computer, the computer program including;

instructions operable to access at least one database of information relating to loss prevention issues;

instructions operable to enable the users to access the host computer via a communications network;

instructions operable to enable the users to request information relating to loss prevention issues;

instructions operable to respond to information requests by accessing the database to locate the requested information;

instructions operable to administer a test to a user, the test including a plurality of test questions relating to loss prevention issues, the test prompting the user to provide answers to the test questions;

instructions operable to access correct answers to the test questions;

instructions operable to compare the answers given by the user to the correct answers;

instructions operable to access recommended procedures relating to each of the test questions; and

instructions operable to provide to the user, for each of the test questions that were answered incorrectly, the recommended procedures that relate to the test questions that were answered incorrectly.

9. The system as set forth in claim 8, the loss prevention issues including at least one of the following:

sexual harassment issues, discriminatory hiring and firing issues, environmental issues, workplace safety issues, disability issues, tax issues, antitrust issues, securities issues, insider trading issues, hazardous materials issues, truth-in-lending issues, personal injury issues, and officer/director liability issues.

10. The system as set forth in claim 8, the computer program further including instructions operable to receive verification from the user that the user has implemented the recommended procedures.

11. The system as set forth in claim 10, the computer program further including instructions operable to track which of the users have taken the test, test results for each of the users, whether each of the users has implemented the recommended procedures, and to generate tracking information relating thereto.

12. The system as set forth in claim 11, the computer program further including instructions operable to enable an administrator to access the tracking information to validate compliance with the recommended procedures.

13. The system as set forth in claim 8, the communications network being a network selected from the group consisting of an Internet, a local area network, a wide area network, an intranet, and an extranet.

14. The system as set forth in claim 8, the information stored in the database including at least one of the following:

loss prevention articles, frequently asked questions, loss prevention standards, loss prevention best practices, applicable laws, and loss prevention tips.

16. The method as set forth in claim 15, the loss prevention issues including at least one of the following:

sexual harassment issues, discriminatory hiring and firing issues, environmental issues, workplace safety issues, disability issues, tax issues, antitrust issues, securities issues, insider trading issues, hazardous materials issues, truth-in-lending issues, personal injury issues, and officer/director liability issues.

17. The method as set forth in claim 15, the communications network being a network selected from the group consisting of an Internet, a local area network, a wide area network, an intranet, and an extranet.

19. The computer program as set forth in claim 18, wherein scheduling of the compliance dates is automatic.

20. The computer program as set forth in claim 18 further comprising instructions operable to present the assessment questions and to receive answers to the assessment questions, whereby a level of compliance understanding is measured.

21. The computer program as set forth in claim 20, wherein the assessment questions are based on at least one assessment template.

22. The computer program as set forth in claim 20, wherein the level of compliance understanding is evaluated by compliance personnel designated by a chief compliance officer who is designated by a corporate board of directors.

23. The computer program as set forth in claim 22, wherein the compliance personnel responsible for compliance evaluations have sufficient organizational freedom to identify and evaluate law compliance problems and to initiate, recommend, or provide solutions to any of the law compliance problems.

24. The computer program as set forth in claim 18, the compliance information including at least one of the group consisting of:

sexual harassment issues, discriminatory hiring and firing issues, environmental issues, workplace safety issues, disability issues, tax issues, antitrust issues, securities issues, insider trading issues, hazardous materials issues, truth-in-lending issues, personal injury issues, and officer or director liability issues.

25. The computer program as set forth in claim 18, further including instructions operable to receive an indication from at least one user in a plurality of users that the user has implemented recommended procedures.

26. The computer program as set forth in claim 25, further including instructions operable to receive test information regarding the users that have taken a test and to provide user information relating thereto.

27. The computer program as set forth in claim 26, further including instructions operable to enable an administrator to access the test information to assess whether procedures recommended in connection with the test are being implemented.

29. The system as set forth in claim 28, the computer program further comprising means for receiving verification from the user that the user has implemented the recommended procedures.

30. The system as set forth in claim 29, the computer program further comprising means for determining which of the users have taken the test, test results for each of the users, whether each of the users has implemented the recommended procedures, and to generate tracking information relating thereto.

31. The system as set forth in claim 30, the computer program further including means for authorizing an administrator to access the tracking information to validate compliance with the recommended procedures.

15. A method of providing information relating to risk management issues to at least one user, the method comprising:

providing a host computer that may be accessed by at least one user computer via a communications network;

enabling the user to access the host computer via the user computer;

enabling the user to request information from the host computer relating to loss prevention issues;

in response to the user requests, providing requested information to the user;

administering a test to the user via the host computer and the user computer, the test including a plurality of test questions relating to loss prevention issues;

prompting the user to provide answers to the test questions;

accessing with the host computer correct answers to the test questions;

comparing with the host computer the answers given by the user to the correct answers; and

providing to the user, via the host computer and the user computer, recommended procedures that relate to the test questions that were answered incorrectly by the user.

18. A computer program stored on a computer-readable memory device for controlling operations of a host computer, the computer program comprising:

instructions operable to receive compliance information, the compliance information including legal requirements;

instructions operable to present assessment questions to facilitate conducting business activities in a manner compatible with the compliance information; and

instructions operable to associate compliance dates by which at least one compliance action must be taken to comply with the legal requirements.

28. An on-line web-based risk management system for providing loss prevention information to users, the risk management system comprising:

a host computer; and

a computer program stored on a computer-readable memory device accessible by the host computer for controlling operations of the host computer, the computer program including;

means for accessing at least one database including information relating to loss prevention issues;

means for providing a plurality of users with access the host computer via a communications network;

means for providing a query interface to the users to perform at least one query on the information relating to loss prevention issues;

means for providing a response to the query by accessing the database and locating any responsive information corresponding to the query;

means for administering a test to a user, the test including at least one test question relating to loss prevention issues and receiving user answers to the test question;

means for accessing appropriate answers to the at least one test question;

means for comparing the user answers given by the user to the appropriate answers;

means for accessing recommended procedures relating to the test question; and

means for providing to the user the recommended procedures that relate to the test question if the test question was answered incorrectly.