Swiss Re has been granted a patent for a digital platform and system that automates the end-to-end risk-transfer process for customized second-tier structures. The system includes a product configurator, geocoding processing module, and metric simulation engine to provide insights for portfolio steering. GlobalData’s report on Swiss Re gives a 360-degree view of the company including its patenting strategy. Buy the report here.

According to GlobalData’s company profile on Swiss Re, was a key innovation area identified from patents. Swiss Re's grant share as of February 2024 was 38%. Grant share is based on the ratio of number of grants to total number of patents.

Automated risk-transfer platform for property assets with geographic locations

Source: United States Patent and Trademark Office (USPTO). Credit: Swiss Re Ltd

A recently granted patent (Publication Number: US11875412B2) discloses a digital platform and system designed to automate the risk-transfer configuration process for customized second-tier structures related to physical impacting risk-events. The system includes a product configurator with four structuring blocks for setting parameters, an integrated geocoding processing module for capturing risk information based on precise geographic locations, and a metric simulation engine for predicting impact measures. The system also features a graphical user interface for portfolio analytics, allowing users to steer their portfolios by identifying critical areas and assessing potential impacts before market launch.

Furthermore, the patent details additional features such as a client rate offering module for capturing user insights on pricing, a machine-based exposure data intelligence for location-specific risk identification, and a cross-level analysis module for analyzing large risk pools. The system also includes capabilities for automated address matching, clustering of data records based on geographic parameters, and interactive adjustments to basic rate measures and portfolio characteristics. By providing a comprehensive end-to-end solution for risk-transfer configuration, the digital platform and system aims to streamline the underwriting process, enhance risk management, and improve decision-making for users in the insurance and risk-transfer industry.

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GlobalData, the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article.

GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.