Method and apparatus for public information dynamic financial analysis

• US 20040133492A1
• Filed: 09/17/2003
• Published: 07/08/2004
• Est. Priority Date: 09/25/2002
• Status: Abandoned Application

• Current Assignee: Swiss Reinsurance Company
• Original Assignee: Swiss Reinsurance Company
• Inventors: Stricker, Markus
• Application Number:
  US10/664,531
• Publication Number:
  US 20040133492A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Embodiments of the present invention are directed to a method and apparatus for public information dynamic financial analysis. In one embodiment, information needed to perform a PIDFA is retrieved from a database. Information not already in a useable format is automatically calculated from the information retrieved. In one embodiment, the information is retrieved by selecting a company from a list of companies for which sufficient information is publicly available. In one embodiment, after information needed to perform a PIDFA is retrieved from a database, a model of a company'"'"'s assets and liabilities is created. In one embodiment, a company'"'"'s assets are modeled by a bond model, a cash account model and/or an equities and other investments model. In one embodiment, a pseudo-random number generator is used to model realizations of risks. In one embodiment, many of simulations are run using the pseudo-random number generator for a simulation time period.

Claims

1. A method of analyzing financial information comprising:

retrieving a set of user-accessible information for a company from a database; and

performing a dynamic financial analysis for said company using said set.

2. The method of claim 1 wherein said step of performing is performed automatically.

3. The method of claim 1 wherein said step of retrieving is performed automatically.

4. The method of claim 1 wherein said step of retrieving comprises:

transforming a data item into a desired format from said set wherein said data item is not available in said desired format in said set.

5. The method of claim 1 wherein said step of retrieving comprises:

using a proxy data item when said data item is not available or not usable.

6. The method of claim 1 wherein said step of retrieving comprises:

issuing a request for said set by a means for displaying data.

7. The method of claim 6 wherein said means for displaying data is a web browser.

8. The method of claim 1 wherein said set of user-accessible information is a set of public information.

9. A financial information analyzer comprising:

an information retrieval unit configured to retrieve a set of user-accessible information for a company from a database; and

an analyzer configured to perform a dynamic financial analysis for said company using said set.

10. The financial information analyzer of claim 9 wherein said analyzer is further configured to perform automatically.

11. The financial information analyzer of claim 9 wherein said information retrieval unit is further configured to retrieve automatically.

12. The financial information analyzer of claim 9 wherein said information retrieval unit comprises:

an extractor configured to transform a data item into a desired format from said set wherein said data item is not available in said desired format in said set.

13. The financial information analyzer of claim 9 wherein said information retrieval unit comprises:

a proxy unit configured to use a proxy data item when said data item is not available or not usable.

14. The financial information analyzer of claim 9 wherein said information retrieval unit comprises:

a request issuing unit configured to issue a request for said set.

15. The financial information analyzer of claim 14 wherein said request is issued by a web browser.

16. The financial information analyzer of claim 9 wherein said set of user-accessible information is a set of public information.

17. The computer program product comprising:

a computer usable medium having computer readable program code embodied therein configured to analyze financial data, said computer program product comprising;

computer readable code configured to cause a computer to retrieve a set of public information for a company from a database; and

computer readable code configured to cause a computer to perform a dynamic financial analysis for said company using said set.

18. The computer program product of claim 17 wherein said computer readable code configured to cause a computer to perform is further configured to cause a computer to perform automatically.

19. The computer program product of claim 17 wherein said computer readable code configured to cause a computer to retrieve is further configured to cause a computer to retrieve automatically.

20. The computer program product of claim 17 wherein said computer readable code configured to cause a computer to retrieve comprises:

computer readable code configured to cause a computer to transform a data item into a desired format from said set wherein said data item is not available in said desired format in said set.

21. The computer program product of claim 17 wherein said computer readable code configured to cause a computer to retrieve comprises:

computer readable code configured to cause a computer to use a proxy data item when said data item is not available or not usable.

22. The computer program product of claim 17 wherein said computer readable code configured to cause a computer to retrieve comprises:

computer readable code configured to cause a computer to issue a request for said set.

23. The computer program product of claim 22 wherein said request is issued by a web browser.

24. The computer program product of claim 17 wherein said set of user-accessible information is a set of public information.