Method and system for gathering information relating to risks

• US 20040064346A1
• Filed: 10/01/2002
• Published: 04/01/2004
• Est. Priority Date: 10/01/2002
• Status: Abandoned Application

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Hett, Annabelle R., Frei, Rudolf, Schneider, Reto
• Application Number:
  US10/262,341
• Publication Number:
  US 20040064346A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method of systematically gathering information relating to risk perceptions includes the steps of providing a site on a network, allowing a selected group of users access to the site, receiving information from one or more of the users, the information including at least an identification of a specific risk and a rating of that risk, communicating the information received to a database, periodically extracting elements of information from the database and preparing a report based upon one or more of the extracted elements of information. A system for implementing the method includes a server for hosting the site, means for providing the users access to the site, a memory device, means for transferring information from the site to a database stored in the memory device, and means for periodically extracting information from the database and preparing the report.

Claims

1. A method of systematically gathering information relating to risk perceptions, comprising the steps of:

a) providing a site on a global information network;

b) allowing access to the site by a selected group of users;

c) receiving information, via the network, from one or more of the users, said information including at least an identification of a specific risk and a rating of said specific risk;

d) communicating the information received from the users to a database;

e) periodically extracting elements of information from the data base; and

f) preparing a report based upon one or more of the extracted elements of information.

2. The method of claim 1, further comprising the steps of tabulating the extracted elements of information in a spread sheet, and providing one or more of the users access to the extracted elements of information via the network.

3. The method of claim 1, further comprising the step of automatically generating a message to an administrator upon receiving information from one of the users.

4. The method of claim 1, wherein the step of receiving information further comprises the step of receiving information relating to a relative impact of the specific risk on an insurance product.

5. The method of claim 1, wherein the global information network is an intranet.

6. The method of claim 1, wherein the global information network is the Internet.

7. The method of claim 1, further comprising the step of providing, via the network, descriptive information relating to a specified risk for review by one or more of the users.

8. The method of claim 1, further comprising the step of providing a form for receiving comments from a user relating to an identified risk.

9. The method of claim 1, further comprising the step of providing a rating table to facilitate the rating of an identified risk by a user.

10. The method of claim 1, further comprising the step of rating the periodically-extracted elements of information.

11. The method of claim 10, wherein the step of rating the periodically-extracted elements of information is performed, at least in part, by an expert in subject matter related to the extracted information.

12. The method of claim 10, further comprising the step of preparing a report based upon at least one of the rated, extracted elements of information and relating to at least one specific risk.

13. A system for gathering information relating to emerging risks and for evaluating the potential impacts of such risks on an insurance product, comprising:

a) a server for hosting a site on a global information network;

b) means for providing a plurality of users access to the site;

c) said site being configured to receive information relating to emerging risks from one or more of the users, via the network;

d) a memory device;

e) means for transferring information from the site to a data base stored in the memory device; and

f) means for periodically extracting information from the data base and preparing a report based on the extracted information.

14. The system of claim 13, wherein said site comprises a feedback form to facilitate receipt of comments relating to an identified risk.

15. The system of claim 13, wherein said site comprises a rating table to facilitate receipt of comments relating to an identified risk.

16. The system of claim 13, further comprising a spread sheet program stored in the memory device, and a spread sheet table for receiving the extracted information.

17. The system of claim 16, further comprising means for providing access to the spread sheet table to selected users, via the global information network.

18. The system of claim 13, further comprising means for automatically communicating a message to a system administrator upon receipt of information from a user.

19. The system of claim 13, wherein said global information network is an intranet.

20. The system of claim 13, wherein said global information network is the Internet.