DYNAMIC RISK ASSESSMENT AND PEER-TO-PEER TRANSACTION SYSTEM AND METHOD

摘要

A system and method for booking peer-to-peer asset transactions, dynamically assessing risk associated with the transactions, and generating custom insurance policies for the transactions. A risk profile is created for the asset, an owner of the asset, and a potential renter of the asset based on data about the asset, data about the owner, and data about the potential renter, respectively. A risk analysis is performed based the risk profiles of the asset, asset owner, and potential renter, and other information, such as a duration and a location associated with the transaction. This risk analysis is used to provide an insurance premium for the transaction and generate a custom insurance policy when the transaction is booked. Payment may also be taken to complete the transaction.

主权项

1. A method of processing a peer-to-peer transaction, comprising:
receiving, by a computing device, a request from a first user for a transaction including an asset of a second user; performing, by the computing device, a risk analysis associated with the transaction based on one or more of a risk profile of the first user, a risk profile of the asset, and a risk profile of the second user; determining, by a computing device, an insurance premium for a custom insurance policy tailored to the transaction; and generating, by a computing device, a certificate for the custom insurance.