Abstract: Unstructured data is received from a plurality of sources to facilitate risk analysis. The unstructured data comprises a plurality of bodies of text. Each body of text from the unstructured data is deconstructed into individual terms. The individual terms from each body of text are converted into a structured form. The individual terms in the structured form are categorized according to a comparison of the structured form to another structured form. The individual terms in the structured form are quantified according to at least the categorization of the individual terms.

Abstract: Apparatus and methods described herein may rapidly identify emerging risks that may impact an entity. Methods may update and identify emerging risks on a frequent basis. Using an electronic form, information may be collected from a filtered set of experts. The set of experts may be “filtered” based on the emerging risk and a scope of the emerging risk. The information may include the experts' responses to a set of questions. The information may include values on absolute scales. The information may be analyzed to determine variation in the responses of the experts. The information may be aggregated across a plurality of emerging risks and across a plurality of lines-of-business. Based on the information, a convergence point may be determined. The convergence point may identify a time at which a combined impact of each of the plurality of emerging risks exceeds a risk threshold of an entity.

Abstract: Method and apparatus for enabling authentication of on-line communications. In some embodiments, a message code is embedded in an e-mail, where the message code can be used by the recipient to verify the authenticity of the e-mail or of a Web site. In some embodiments, this code can be created for a particular e-mail message; in other embodiments, the code is created as a watermark for use by a customer or other a specific user or recipient. The message code is associated with both the e-mail message and the recipient. In the case of a message-specific code, a recipient can verify the e-mail message by inputting the code via a Web server to be looked up in the database. Provision is also made for including stenographic information in graphical or other codes as further authentication when accessing a Web site.

Abstract: Unstructured data is received from a plurality of sources to facilitate risk analysis. The unstructured data comprises a plurality of bodies of text. Each body of text from the unstructured data is deconstructed into individual terms. The individual terms from each body of text are converted into a structured form. The individual terms in the structured form are categorized according to a comparison of the structured form to another structured form. The individual terms in the structured form are quantified according to at least the categorization of the individual terms.

Abstract: Method and apparatus for enabling authentication of on-line communications. In some embodiments, a message code is embedded in an e-mail, where the message code can be used by the recipient to verify the authenticity of the e-mail or of a Web site. In some embodiments, this code can be created for a particular e-mail message; in other embodiments, the code is created as a watermark for use by a customer or other a specific user or recipient. The message code is associated with both the e-mail message and the recipient. In the case of a message-specific code, a recipient can verify the e-mail message by inputting the code via a Web server to be looked up in the database. Provision is also made for including stenographic information in graphical or other codes as further authentication when accessing a Web site.

Abstract: Method and apparatus for enabling authentication of on-line communications. In some embodiments, a message code is embedded in an e-mail, where the message code can be used by the recipient to verify the authenticity of the e-mail or of a Web site. In some embodiments, this code can be created for a particular e-mail message; in other embodiments, the code is created as a watermark for use by a customer or other a specific user or recipient. The message code is associated with both the e-mail message and the recipient. In the case of a message-specific code, a recipient can verify the e-mail message by inputting the code via a Web server to be looked up in the database. Provision is also made for including steganographic information in graphical or other codes as further authentication when accessing a Web site.

Abstract: Method and apparatus for enabling authentication of e-mail messages. A message code is embedded in an e-mail, where the message code can be used by the recipient to verify the authenticity of the e-mail. In some embodiments, this code can be created for a particular e-mail message; in other embodiments, the code is created as a watermark for use in all e-mail to a specific recipient. The message code is associated with both the e-mail message and the recipient. In the case of a message-specific code, a recipient can verify the e-mail message by inputting the code via a Web server to be looked up in the database. The invention can be implemented in a system including a server which creates e-mail messages and injects message codes and a database for storing codes and recipient e-mail addresses.