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Patent

Web based risk management system and method

TLDR
In this paper, a web-based system for defining financial risks and risk mitigation needs of a user based upon profile data of the user is presented, which includes a means for inputting user profile data into the system; means for accumulating the input data in databases to enable analysis of said data; and means for anlayzing the profile data and for identifying financial risks associated with said profile data.
Abstract
A web based system maintained at a central server and accessible to users over the Internet for defining financial risks and risk mitigation needs of a user based upon profile data of the user. THe system includes a means for inputting user profile data into the system; means for accumulating the input data in databases to enable analysis of said data; and means for anlayzing the profile data and for identifying financial risks associated with said profile data. The system also provides a means for identifying financial products which will provide solutions to mitigate such risks as well as a means for specifying the cost to acquire or purchase those financial products. Finally the invention includes means for binding in real time a commitment for the purchase and sale of financial products; and a means for processing a transaction to implement the purchase and sale of the financial products.

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Citations
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References
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Method and apparatus for preparing client communications involving financial products and services

TL;DR: In this paper, a method and apparatus for automatically preparing a client communication pertaining to a financial product for a client, wherein the client communication is for combined use with a corresponding host vehicle, is presented.
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Computer method for delivery of financial services

TL;DR: In this paper, a system consisting of a number of user computers connected to a plurality of server computers by way of a network, such as the Internet, is described, where the system creates at least one mobile agent which obtains details of a user's requirements, obtains financial information from the server computers on behalf of the user in the light of the users requirements, and then transports itself to the user's computer to deliver the financial information.