Value impact risk transfer products

Abstract

An automated method and system ( 100 ) for the development and delivery of value impact risk transfer products and programs.

1 . A swap for transferring an element of value risk 
 where an element of value is selected from the group consisting of alliances, brands, channels, customers, customer relationships, employees, equipment, information technology, intellectual property, partnerships, processes, supply chains, vendors, vendor relationships and combinations thereof.    
   
   
       2 . The swap of  claim 1  wherein an element of value risk is selected from the group consisting event risks, contingent liabilities, variability risks, strategic risks, volatility risks and combinations thereof.  
   
   
       3 . The swap of  claim 1  that further comprises a swap transaction completed in accordance with the applicable provisions of an International Swaps and Derivatives Association Master Agreement.  
   
   
       4 . The swap of  claim 1  wherein a swap for transfering an element of value risk further comprises a swap that reduces an overall risk of both parties to the swap transaction.  
   
   
       5 . A swap for transferring a value impact of an element of value risk 
 where an element of value is selected from the group consisting of alliances, brands, channels, customers, customer relationships, employees, equipment, information technology, intellectual property, partnerships, processes, supply chains, vendors, vendor relationships and combinations thereof.    
   
   
       6 . The swap of  claim 5  wherein an element of value risk is selected from the group consisting event risks, contingent liabilities, variability risks, strategic risks, volatility risks and combinations thereof.  
   
   
       7 . The swap of  claim 5  that further comprises a swap transaction completed in accordance with the applicable provisions of an International Swaps and Derivatives Association Master Agreement.  
   
   
       8 . The swap of  claim 5  wherein a swap for transfering a value impact of an element of value risk further comprises a swap that reduces an overall risk of both parties to the swap transaction.  
   
   
       9 . An insurance policy for transferring a value impact of an element of value risk or external factor risk 
 where an element of value is selected from the group consisting of alliances, brands, channels, customers, customer relationships, employees, equipment, information technology, intellectual property, partnerships, processes, supply chains, vendors, vendor relationships and combinations thereof.    
   
   
       10 . The insurance policy of  claim 9  wherein an element of value risk is selected from the group consisting event risks, contingent liabilities, variability risks, strategic risks, volatility risks and combinations thereof.  
   
   
       11 . The insurance policy of  claim 9  wherein an external factor is selected from the group consisting of a commodity price, an inflation rate, a gross domestic product, an interest rate, an insider trading level, a consumer confidence measure, a measure of organization performance against expectations, an unemployment rate and combinations thereof.  
   
   
       12 . The insurance policy of  claim 9  that is underwritten by a method comprising 
 aggregating data from a plurality of management systems for each of a plurality of customers,    analyzing said data as required to determine available cash, expected magnitude, expected frequency and probable value impact for a plurality of risks for each of a plurality of customers by element of value and external factor from said data,    combining the customer risk and value impact data with a plurality of data regarding a risk transfer operation, and    analyzing the combined customer and risk transfer operation data as required to determine a price for a plurality of insurance policies for transferring risk by element of value or external factor, and    offering said insurance policies for sale.