Insurance for service level agreements in e-utilities and other e-service environments
First Claim
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1. A method of indemnifying an insurance purchaser by an insurance provider, the method comprising:
- receiving an insurance premium from the insurance purchaser against a loss resulting from an unavailability of one or more computer services provided over a computer network, the insurance purchaser and insurance provider being coupled to a communication network;
monitoring changes in at least one risk metric by a computer via the communication network, the risk metric indicating a likelihood that the one or more services will be unavailable over the computer network; and
calculating an adjusted insurance premium against the loss resulting from the unavailability of the one or more computer services according to changes in the at least one risk metric; and
wherein the at least one risk metric includes the number of logged calls to a technical support phone number.
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Abstract
A method and system for indemnifying an insurance purchaser by an insurance provider against losses resulting from specified events. In one embodiment, the specified events include quality of service penalties of a service level agreement between a service provider and service purchaser. The invention may include at least one risk metric monitored via a communication network, such that a premium payable to the insurer by the insurance purchaser is dependent on the risk metric. In a particular configuration of the invention, the risk metric is monitored in real-time or near real-time.
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Citations
17 Claims
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1. A method of indemnifying an insurance purchaser by an insurance provider, the method comprising:
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receiving an insurance premium from the insurance purchaser against a loss resulting from an unavailability of one or more computer services provided over a computer network, the insurance purchaser and insurance provider being coupled to a communication network; monitoring changes in at least one risk metric by a computer via the communication network, the risk metric indicating a likelihood that the one or more services will be unavailable over the computer network; and calculating an adjusted insurance premium against the loss resulting from the unavailability of the one or more computer services according to changes in the at least one risk metric; and wherein the at least one risk metric includes the number of logged calls to a technical support phone number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of indemnifying an insurance purchaser by an insurance provider, the method comprising:
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receiving an insurance premium from the insurance purchaser against a loss resulting from an unavailability of an information storage service provided by the insurance purchaser over a computer network, the insurance purchaser and insurance provider being coupled to a communication network; monitoring changes in at least one risk metric by a computer via the communication network, the risk metric including an amount of data transferred to and from the information storage service; and calculating an adjusted insurance premium against the loss resulting from the unavailability of the information storage service according to changes in the at least one risk metric; and wherein the at least one risk metric includes the number of logged calls to a technical support phone number. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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Specification