| 摘要 |
Risk-based pricing may be used to determine a price charged for a good or service which itself reduces risk. The price charged for the good or service may be priced in response to the amount of reduction in risk provided by the consumer good or service. For example, in a product hazard notification service that provides early notification to consumers of product hazards, the price of such a service to manufacturers may be determined on the basis of the reduction of risk produced by utilizing the notification service. The use of such a service may reduce an amount of premiums paid to, for example, an insurance company because overall risk to consumers and thus financial exposure to the insurance company are reduced. In this manner, the amount paid for the service is justified, at least in part, from the savings in insurance premiums (cost of risk). The maximum price of the service can be coordinated with the cost savings from the reduction in risk. By capping the price of the service by the amount of insurance premium savings, manufacturers are motivated to subscribe to the service, as there is no perceived increase in cost, and their amount of potential liability is reduced.
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