US 12,406,310 B2
Platform for autonomous risk assessment and quantification for cyber insurance policies
Jason Crabtree, Vienna, VA (US); and Richard Kelley, Woodbridge, VA (US)
Assigned to QOMPLX LLC, Reston, VA (US)
Filed by QOMPLX LLC, Reston, VA (US)
Filed on Nov. 29, 2022, as Appl. No. 18/071,563.
Application 18/071,563 is a continuation in part of application No. 17/217,537, filed on Mar. 30, 2021, granted, now 11,514,531.
Application 17/217,537 is a continuation in part of application No. 17/185,477, filed on Feb. 25, 2021, granted, now 11,475,528, issued on Oct. 18, 2022.
Application 17/185,477 is a continuation of application No. 15/911,117, filed on Mar. 4, 2018, granted, now 10,970,787, issued on Apr. 6, 2021.
Application 15/911,117 is a continuation in part of application No. 15/818,733, filed on Nov. 20, 2017, granted, now 10,673,887, issued on Jun. 2, 2020.
Application 15/818,733 is a continuation in part of application No. 15/725,274, filed on Oct. 4, 2017, granted, now 10,609,079, issued on Mar. 31, 2020.
Application 15/725,274 is a continuation in part of application No. 15/655,113, filed on Jul. 20, 2017, granted, now 10,735,456, issued on Aug. 4, 2020.
Application 15/655,113 is a continuation in part of application No. 15/616,427, filed on Jun. 7, 2017, abandoned.
Application 15/616,427 is a continuation in part of application No. 14/925,974, filed on Oct. 28, 2015, abandoned.
Application 15/655,113 is a continuation in part of application No. 15/237,625, filed on Aug. 15, 2016, granted, now 10,248,910, issued on Apr. 2, 2019.
Application 15/237,625 is a continuation in part of application No. 15/206,195, filed on Jul. 8, 2016, abandoned.
Application 15/206,195 is a continuation in part of application No. 15/186,453, filed on Jun. 18, 2016, abandoned.
Application 15/186,453 is a continuation in part of application No. 15/166,158, filed on May 26, 2016, abandoned.
Application 15/166,158 is a continuation in part of application No. 15/141,752, filed on Apr. 28, 2016, granted, now 10,860,962, issued on Dec. 8, 2020.
Application 15/141,752 is a continuation in part of application No. 15/091,563, filed on Apr. 5, 2016, granted, now 10,204,147, issued on Feb. 12, 2019.
Application 15/141,752 is a continuation in part of application No. 14/986,536, filed on Dec. 31, 2015, granted, now 10,210,255, issued on Feb. 19, 2019.
Application 15/141,752 is a continuation in part of application No. 14/925,974, filed on Oct. 28, 2015, abandoned.
Application 15/911,117 is a continuation in part of application No. 15/815,502, filed on Nov. 16, 2017, abandoned.
Application 15/911,117 is a continuation in part of application No. 15/376,657, filed on Dec. 13, 2016, granted, now 10,402,906, issued on Sep. 3, 2019.
Application 15/815,502 is a continuation in part of application No. 15/237,625, filed on Aug. 15, 2016, granted, now 10,248,910, issued on Apr. 2, 2019.
Application 15/815,502 is a continuation in part of application No. 15/343,209, filed on Nov. 4, 2016, granted, now 11,087,403.
Application 15/343,209 is a continuation in part of application No. 15/237,625, filed on Aug. 15, 2016, granted, now 10,248,910, issued on Apr. 2, 2019.
Application 15/343,209 is a continuation in part of application No. 15/229,476, filed on Aug. 5, 2016, granted, now 10,454,791, issued on Oct. 22, 2019.
Application 15/237,625 is a continuation in part of application No. 15/206,195, filed on Jul. 8, 2016, abandoned.
Application 15/911,117 is a continuation in part of application No. 15/678,089, filed on Aug. 15, 2017, granted, now 10,853,883, issued on Dec. 1, 2020.
Application 15/678,089 is a continuation in part of application No. 15/343,209, filed on Nov. 4, 2016, granted, now 11,087,403.
Claims priority of provisional application 62/575,954, filed on Oct. 23, 2017.
Prior Publication US 2023/0177613 A1, Jun. 8, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01); G06F 16/951 (2019.01); G06N 5/045 (2023.01); G06N 5/046 (2023.01); G06N 20/00 (2019.01); G06Q 30/0202 (2023.01); G06Q 30/0601 (2023.01); G06N 3/006 (2023.01); G06N 3/02 (2006.01); G06N 7/01 (2023.01)
CPC G06Q 40/08 (2013.01) [G06F 16/951 (2019.01); G06N 5/045 (2013.01); G06N 5/046 (2013.01); G06N 20/00 (2019.01); G06Q 30/0202 (2013.01); G06Q 30/0611 (2013.01); G06N 3/006 (2013.01); G06N 3/02 (2013.01); G06N 7/01 (2023.01)] 12 Claims
OG exemplary drawing
 
1. A computer system for autonomous risk assessment configured to execute software instructions stored on nontransitory machine-readable storage media, wherein the software instructions comprise instructions that:
receive near real-time data from a plurality of online data sources, wherein the online data sources relate to a plurality of insured assets, and wherein the data includes data related to one or more of network status, availability of cloud computing platforms, and active or potential cyber attacks;
analyze the data to determine a likelihood of operational interruption or loss from a plurality of computer and information technology related risks from both accidental events and deliberate malicious activity;
perform a plurality of predictive discrete event simulations using results of the analysis;
apply a plurality of predictive algorithms to the data to produce a hazard model and a multi-peril model;
use the hazard model to generate a near real-time risk score for one or more of the insured assets; and
use the multi-peril model to generate a near real-time price for a premium of the one or more insured assets.