Abstract: An insurance method. A user executes an insurance contract with an insurance provider to insure the user against a loss suffered by the user due to a data failure pertaining to exchanging electronic data between a user computer system and a transaction party computer system. A transaction monitoring program installed on the user computer system monitors packets of data transmitted to or received from the transaction party computer system by an application program of the user computer system. A transaction record is generated from captured packets. The user submits a claim to the insurance provider for an incurred loss due to a data failure pertaining to the transmitted or received packets of data. The user receives an insurance payment from the insurance provider for the incurred loss in accordance with the insurance contract after the insurance provider has analyzed the transaction record to determine a cause of the loss.

Abstract: After an insurance application is made from a user, an insurance provider examines the application and makes an insurance contract. The insurance provider sends a transaction monitoring program (BTM) to the user, and the user installs this. Transaction data which the user communicates with a transaction party are monitored by the BTM and recorded in a transaction record. If the user incurs loss or damage, the user sends the transaction record to the insurance provider, and the insurance provider then analyzes this to verify the cause of the loss and pays insurance money.

Abstract: After an insurance application is made from a user, an insurance provider examines the application and makes an insurance contract. The insurance provider sends a transaction monitoring program (BTM) to the user, and the user installs this. Transaction data which the user communicates with a transaction party are monitored by the BTM and recorded in a transaction record. If the user incurs loss or damage, the user sends the transaction record to the insurance provider, and the insurance provider then analyzes this to verify the cause of the loss and pays insurance money.