System and method for identifying and evaluating nanomaterial-related risk
First Claim
1. A system for determining a level of risk posed by a nanomaterial to an entity, the system comprising:
- a memory;
a computerized model stored on the memory; and
a processor configured to;
retrieve from memory data related to the nanomaterial, the retrieved data including data representative of physical and chemical characteristics of the nanomateriall;
calculate, using the computerized model, a risk score that is indicative of the level of risk posed by the nanomaterial to the entity based on the retrieved data, wherein the risk score is calculated based at least in part on a quantitative representation of the risks posed by the nanomaterial based on the physical and chemical characteristics of the nanomaterial represented in the retrieved data; and
output insurance risk mitigation data based at least in part on the calculated risk score, wherein the insurance risk mitigation data includes at least one recommendation for reducing the level of risk posed by the nanomaterial to the entity.
1 Assignment
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Accused Products
Abstract
A system, method, and processor-readable medium are provided for quantitatively evaluating risk associated with nanotechnology. An insurance company computing system obtains nanomaterial-related data from a variety of sources, including nanomaterial sensors such as differential mobility analyzers located on-site at an insured facility. The insurance computing system uses the obtained data and a computerized model to compute a risk score that is used in evaluating the insurability of the facility or the operating entity. An insurance policy or modifications to an existing insurance premium are subsequently produced based on the computed risk score.
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Citations
25 Claims
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1. A system for determining a level of risk posed by a nanomaterial to an entity, the system comprising:
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a memory; a computerized model stored on the memory; and a processor configured to; retrieve from memory data related to the nanomaterial, the retrieved data including data representative of physical and chemical characteristics of the nanomateriall; calculate, using the computerized model, a risk score that is indicative of the level of risk posed by the nanomaterial to the entity based on the retrieved data, wherein the risk score is calculated based at least in part on a quantitative representation of the risks posed by the nanomaterial based on the physical and chemical characteristics of the nanomaterial represented in the retrieved data; and output insurance risk mitigation data based at least in part on the calculated risk score, wherein the insurance risk mitigation data includes at least one recommendation for reducing the level of risk posed by the nanomaterial to the entity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 19, 20, 21, 22, 23)
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12. A method for determining a level of risk posed by a nanomaterial to an entity, the method comprising:
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receiving data related to the nanomaterial, the received data including data representative of physical and chemical characteristics of the nanomaterial; storing the received data in a database in communication with a processor; accessing, by the processor, the stored data to calculate using a computerized model a risk score that is indicative of the level of risk posed by the nanomaterial, wherein the risk score is calculated based at least in part on a quantitative representation of the risks posed by the nanomaterial based on the physical and chemical characteristics of the nanomaterial represented in the received data; and electronically outputting, by the processor, insurance risk mitigation data based at least in part on the calculated risk score, wherein the insurance risk mitigation data includes at least one recommendation for reducing the level of risk posed by the nanomaterial to the entity. - View Dependent Claims (13, 14, 15, 16, 17, 18, 24, 25)
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Specification