APPARATUSES, METHODS, AND SYSTEMS FOR PROVIDING A RISK SCORING ENGINE USER INTERFACE
First Claim
1. A processor-implemented method to provide a reinsurance product risk assessment, comprising:
- reading a reinsurance product database for reinsurance product identifying base criteria;
providing a reinsurance product selecting interface to display the reinsurance product identifying base criteria and allow a user to select among the reinsurance product identifying base criteria;
loading a reinsurance product data-structure from the reinsurance product database based on a user'"'"'s selections from the reinsurance product selecting interface;
reading risk specific data-structure elements from the reinsurance product data-structure;
generating a reinsurance risk user interface from the risk specific data-structure elements;
providing a reinsurance risk user interface to a user;
receiving user specifications via the reinsurance risk user interface;
retrieving logic sets specified by the reinsurance product data-structure;
applying logic sets to user specifications; and
,providing a reinsurance product specific risk assessment to the user if the user'"'"'s specifications were acceptable.
1 Assignment
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Accused Products
Abstract
The present disclosure describes an approach to constructing and implementing risk rating products that provides a number of advantages. Instead of hard-coding attributes of a risk rating scheme, which requires the assistance of a trained programming specialist for any modifications, adjustments, or new products, the present invention provides a set of modular tools that assist non-specialists in on-the-fly generation and implementation of risk rating products. The modularity of this approach facilitates the modification and/or updating of a system component without affecting the operation of other components. Described herein are embodiments of system tools configured to read a risk rating scheme data-structure and generate a user interface whereby a user may enter information characteristic of an insurable risk and receive risk assessments, evaluations, and/or financial metrics associated with a candidate insurable risk.
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Citations
18 Claims
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1. A processor-implemented method to provide a reinsurance product risk assessment, comprising:
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reading a reinsurance product database for reinsurance product identifying base criteria; providing a reinsurance product selecting interface to display the reinsurance product identifying base criteria and allow a user to select among the reinsurance product identifying base criteria; loading a reinsurance product data-structure from the reinsurance product database based on a user'"'"'s selections from the reinsurance product selecting interface; reading risk specific data-structure elements from the reinsurance product data-structure; generating a reinsurance risk user interface from the risk specific data-structure elements; providing a reinsurance risk user interface to a user; receiving user specifications via the reinsurance risk user interface; retrieving logic sets specified by the reinsurance product data-structure; applying logic sets to user specifications; and
,providing a reinsurance product specific risk assessment to the user if the user'"'"'s specifications were acceptable. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. An apparatus to provide a reinsurance product risk assessment, comprising:
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a memory; a processor disposed in communication with said memory, and configured to issue a plurality of instructions stored in the memory, wherein the instructions issue signals to; read a reinsurance product database for reinsurance product identifying base criteria; provide a reinsurance product selecting interface to display the reinsurance product identifying base criteria and allow a user to select among the reinsurance product identifying base criteria; load a reinsurance product data-structure from the reinsurance product database based on a user'"'"'s selections from the reinsurance product selecting interface; read risk specific data-structure elements from the reinsurance product data-structure; generate a reinsurance risk user interface from the risk specific data-structure elements; provide a reinsurance risk user interface to a user; receive user specifications via the reinsurance risk user interface; retrieve logic sets specified by the reinsurance product data-structure; apply logic sets to user specifications; and
,provide a reinsurance product specific risk assessment to the user if the user'"'"'s specifications were acceptable.
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17. (canceled)
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18. A medium readable by a processor to provide a reinsurance product risk assessment, comprising:
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instruction signals in the processor readable medium, wherein the instruction signals are issuable by the processor to; read a reinsurance product database for reinsurance product identifying base criteria; provide a reinsurance product selecting interface to display the reinsurance product identifying base criteria and allow a user to select among the reinsurance product identifying base criteria; load a reinsurance product data-structure from the reinsurance product database based on a user'"'"'s selections from the reinsurance product selecting interface; read risk specific data-structure elements from the reinsurance product data-structure; generate a reinsurance risk user interface from the risk specific data-structure elements; provide a reinsurance risk user interface to a user; receive user specifications via the reinsurance risk user interface; retrieve logic sets specified by the reinsurance product data-structure; apply logic sets to user specifications; and
,provide a reinsurance product specific risk assessment to the user if the user'"'"'s specifications were acceptable.
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Specification