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    • 1. 发明申请
    • Data/presence insurance tools and techniques
    • 数据/存在保险工具和技术
    • US20020095317A1
    • 2002-07-18
    • US09925938
    • 2001-08-09
    • MiraLink Corporation
    • Ron McCabe
    • G06F017/60
    • G06Q40/02G06Q40/08G06Q90/00
    • Methods for insurance of online presence (202) and/or data (200) are described. An insurer (302) contracts with an insured entity (304) in an agreement (308) under which a premium (310) is paid for insurance coverage. The premium is calculated (306) using a pure premium method (400) or a loss ratio premium method (402), in a manner that depends on factors such as expected virus scan results (404), expected data recovery time (406), expected geographic spread (408), use of multiple recovery methods (410), and other information regarding the insured entity's business and the technical protection services (206) to be used. In some embodiments, the technical protection services are provided under the agreement by a third party technical services provider (300). Systems, signals, and configured media are also described.
    • 描述在线存在(202)和/或数据(200)的保险方法。 保险人(302)与保险实体(304)签订协议(308),根据该保险协议(310)支付保险费(310)。 以依赖于诸如预期病毒扫描结果(404),期望数据恢复时间(406)等因素的方式,使用纯保费方法(400)或损失率溢价方法(402)计算溢价(306) 预期的地理分布(408),使用多种恢复方法(410)以及有关被保险实体的业务和技术保护服务(206)的其他信息。 在一些实施例中,技术保护服务由第三方技术服务提供商(300)根据协议提供。 还描述了系统,信号和配置的媒体。