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Digital Channel for Automated Parameter-Driven, Scenario-Based Risk-Measurement, Classification and Underwriting in Fragmented, Unstructured Data Environments And Corresponding Method Thereof
Digital Channel for Automated Parameter-Driven, Scenario-Based Risk-Measurement, Classification and Underwriting in Fragmented, Unstructured Data Environments And Corresponding Method Thereof
A digital device is provided for automated risk-transfer underwriting in fragmented, unstructured data environment. The digital device includes a plurality of sensors, a storage configured to store transfer portfolio data, and circuitry configured to measure characteristics parameters of a plurality of objects, assign the measured characteristics parameters to a profile associated with the plurality of objects, classify the plurality of objects into a plurality of classes based on the measured characteristics parameters, generate a transfer cover value based on (i) the measured characteristics parameters and (ii) a relationship between a risk source, a risk exposure measure, and a risk exposed object of the transfer portfolio data, assign the generated transfer cover value to the corresponding section of the profile for the risk exposed object, and generate a risk score value to the corresponding section of the profile based on the assigned transfer cover value.
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