DATA INSURANCE SYSTEM BASED ON DYNAMIC RISK MANAGEMENT

• US 20100324945A1
• Filed: 05/12/2010
• Published: 12/23/2010
• Est. Priority Date: 05/12/2009
• Status: Abandoned Application

• Current Assignee: Company House BV, Rosicrucian Holding BV, ZenOK N.V.
• Original Assignee: Company House BV, Rosicrucian Holding BV
• Inventors: Hessing, Ronald Paul
• Application Number:
  US12/778,677
• Publication Number:
  US 20100324945A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A data insurance system with risk management, this risk management bases itself on a risk calculation algorithm targeted to digital data loss of computers and digital storage media. The risk is calculated using an algorithm based on S.M.A.R.T variables, O.S. variables, Anti-virus variables, Backup variables, S.N.M.P variables, Hardware variables and customer'"'"'s behavior variables. The insurance coverage changes dynamically depending on the status of these variables, in addition, this data insurance system is able to create new rules of risk calculation in order to put the risk level of the customer'"'"'s computer in red, orange or green, and it'"'"'s able to auto-detects new trends based on the stats of the AIRC system.

Claims

1. A method for calculating the risk of data loss comprising the steps of:

creating a risk management system based on single and multi rules by analyzing statistics of computer failures, wherein the rules define a risk level of a customer computer;

generating the risk level using the rules;

comparing the risk level to a reference value;

determining a status selected from low, medium and high risk of data loss based on the comparison; and

assigning the status for a period of time based on one of the single rules.

2. A method as recited in claim 1, wherein the rules are based on variables extracted from the customer'"'"'s computer and environment including S.M.A.R.T. hard disk variables, Operative Systems variables, Backup Process variables, Anti-virus variables, O.S. Firewall variables, S.N.M.P services variables, Hardware features and end-user behavior.

3. A method as recited in claim 1, wherein the single and multi rules are created manually by a risk management team.

4. A method as recited in claim 1, wherein the single and multi rules are created automatically by a software routine.

5. A method as recited in claim 1, wherein the single rules contain reference values that are compared against single computer variables per rule.

6. A method as recited in claim 1, wherein the risk level is generated by a single rule interpreter module which checks the rules against a computer'"'"'s variables and a result is generated per rule.

7. A method as recited in claim 6, further comprising the step of passing each result of the single rule interpreter module to a multi rules interpreter module that combines the results and included independent risk level duration values.

8. A method as recited in claim 7, further comprising the steps of periodically recalculating the risk level and overwriting old values with new values.

9. A method as recited in claim 7, further comprising the step of mitigating risk of data loss based on automatic execution of actions that lead the risk level to low, wherein the actions are defined manually by a risk management team and by a risk management system by analyzing computer failure statistics and trends.

10. A method as recited in claim 7, wherein the actions are selected from the group consisting of:

a system reboot;

data backup;

updating an operating system;

blocking network traffic for the respective computer;

creating a new Firewall policy to block suspicious traffic; and

combinations thereof.

11. A method as recited in claim 1, wherein the computer failures relate to loss of data.

12. A method as recited in claim 1, further comprising the steps of insuring files, scanning the files, detecting blocks of insured files that have been changed, and storing the changed blocks locally and via backup repositories through the Internet in order to implement an incremental backup.

13. A method as recited in claim 12, further comprising the steps of extracting variables related to the insured files.

14. A server for facilitating a diagnostic tool, a backup tool and an insurance service, wherein the server communicates with clients via a distributed computing network, and wherein the server comprises:

(a) a memory storing an instruction set and data related to a plurality of rules defining a risk level of a client; and

(b) a processor for running the instruction set, the processor being in communication with the memory and the distributed computing network, wherein the processor is operative to;

(i) create a risk management system based on the rules by analyzing statistics of computer failures;

(ii) generate the risk level using the rules and variables related to the client;

(iii) compare the risk level to a reference value;

(iv) determine a status selected from low, medium and high risk of data loss based on the comparison;

(v) assign the status for a period of time;

(vi) calculate an insurance premium related to data files of the client based upon the rules and variables related to the client; and

(vii) undertake remedial action when the status is high risk, wherein such action includes backup of the data files.

15. A server as recited in claim 14, wherein the server is further operative to discard, accept and modify the rules under assessment.

16. A method of risk detection for assessing loss of data, providing preemptive measures against data loss, and remedial action in an event of data loss comprising:

identifying trends in computer failures based upon previous failure data;

creating rules based on the trends;

updating the failure data;

revising the trends based upon the updated failure data;

revising the rules based on the revised trends;

applying the rules to a client having client data associated with a customer;

applying corrective action to the client computer based upon violation of the rules;

providing insurance to the customer based upon the rules, configuration of the client computer, and performance of the client computer.

17. A method of risk detection as recited in claim 16, further comprising the step of providing technical support to the customer to improve performance of the client computer, wherein the client computer is a network of computers.

18. A method of risk detection as recited in claim 16, further comprising the step of contracting with third party vendors to perform the corrective action.

19. A method of risk detection as recited in claim 16, further comprising the steps of manually creating the single and multi rules, partnering with third party vendors to improve upon the single and multi rules, and providing feedback to the third parties based upon performance of related goods and services.

20. A method of risk detection as recited in claim 16, further comprising the step of automatically creating the single and multi rules by a software routine.