Abstract: A parametric instrument having a cost and a payout is administered relating to business interruption of an instrument holder. Administration includes measuring economic activity in a plurality of commerce zones using objective data over a period of time, and determining conditions of whether the economic activity in one of the plurality of commerce zones drops by a predefined percentage relative to others of the plurality of commerce zones, whether the economic activity drop is unpredictable, and whether the economic activity drop is sustained over a predefined period of time. When the conditions are satisfied, the payout is automatically paid to the instrument holder.

Abstract: A parametric instrument is administered by defining a mishap for coverage by the parametric instrument, where the mishap is identifiable and verifiable after occurrence. The system determines when a trigger condition has taken place and confirms activation of the parametric instrument. This determination is practiced by measuring a triggered operating parameter and identifying and confirming when the triggered operating parameter satisfies predetermined trigger criteria. Activation of the parametric instrument is subsequently confirmed, and the corresponding benefit may be processed.

Abstract: A parametric instrument having a cost and a payout is administered relating to business interruption of an instrument holder. Administration includes measuring economic activity in a plurality of commerce zones using objective data over a period of time, and determining conditions of whether the economic activity in one of the plurality of commerce zones drops by a predefined percentage relative to others of the plurality of commerce zones, whether the economic activity drop is unpredictable, and whether the economic activity drop is sustained over a predefined period of time. When the conditions are satisfied, the payout is automatically paid to the instrument holder.

Abstract: By determining the probability of website impairment for a subject web page, a price for an impairment warranty may be defined. A baseline time to first byte is determined for a plurality of websites, and an impaired state model is defined for a subset of the plurality of websites. Occurrences of impaired states for each website in the subset is determined. Using the impaired state model, websites among the plurality of websites having a probability of an impaired state are determined, and a frequency of impairment occurrence for all of the plurality of websites is measured. With this data, the probability of website impairment for the subject web page may be calculated.

Abstract: A parametric instrument is administered by defining a mishap for coverage by the parametric instrument, where the mishap is identifiable and verifiable after occurrence. The system determines when a trigger condition has taken place and confirms activation of the parametric instrument. This determination is practiced by measuring a triggered operating parameter and identifying and confirming when the triggered operating parameter satisfies predetermined trigger criteria. Activation of the parametric instrument is subsequently confirmed, and the corresponding benefit may be processed.

Abstract: A parametric instrument is administered by defining a mishap for coverage by the parametric instrument, where the mishap is identifiable and verifiable after occurrence. The system determines when a trigger condition has taken place and confirms activation of the parametric instrument. This determination is practiced by measuring a triggered operating parameter and identifying and confirming when the triggered operating parameter satisfies predetermined trigger criteria. Activation of the parametric instrument is subsequently confirmed, and the corresponding benefit may be processed.

Abstract: A parametric instrument is administered by defining a mishap for coverage by the parametric instrument, where the mishap is identifiable and verifiable after occurrence. The system determines when a trigger condition has taken place and confirms activation of the parametric instrument. This determination is practiced by measuring a triggered operating parameter and identifying and confirming when the triggered operating parameter satisfies predetermined trigger criteria. Activation of the parametric instrument is subsequently confirmed, and the corresponding benefit may be processed.

Abstract: By determining the probability of website impairment for a subject web page, a price for an impairment warranty may be defined. A baseline time to first byte is determined for a plurality of websites, and an impaired state model is defined for a subset of the plurality of websites. Occurrences of impaired states for each website in the subset is determined. Using the impaired state model, websites among the plurality of websites having a probability of an impaired state are determined, and a frequency of impairment occurrence for all of the plurality of websites is measured. With this data, the probability of website impairment for the subject web page may be calculated.

Abstract: A method of establishing a condition-based warranty program includes defining a warranty type including a description of the warranty, an amount or range of a payout and a definition of conditions that trigger the payout, and measuring a probability of the trigger and determining a warranty price based on the measured probability and based on the amount or range of the payout. A first mechanism is established to determine whether and when the trigger has occurred, and a second mechanism is established to determine whether and when the payout is required. Protocols are established for warranty lifecycle management to manage possible circumstances that may occur once a particular warranty is sold.

Abstract: A technology warranty is administered by defining a mishap for coverage by the technology warranty, where the mishap is identifiable and verifiable after occurrence. A baseline operating parameter for which the mishap is applicable is established, and the system determines when a trigger condition has taken place by comparing a triggered operating parameter with the baseline operating parameter. The trigger condition is identified and confirmed when the triggered operating parameter satisfies predetermined trigger criteria. Activation of the technology warranty is subsequently confirmed, and the warranty benefit may be processed.

Abstract: A method for securely storing a file includes receiving, by a computing device, an instruction to store a file. The method includes dividing, by the computing device, the file into a plurality of fragments having randomly selected sizes. The method includes storing, by the computing device, the plurality of fragments in a plurality of fragment stores.

Abstract: A system and method are disclosed for a secure digital repository for all of customer's documents in a secure, easily retrievable digital form. The system gathers documents in paper and electronic form from the customer and institutions with whom the customer is associated, reads the documents to create a calendar with automated reminders for the customer, and establishes an automated system to detect death and other significant events, and to disburse documents to persons inheriting them as directed by the customer.