Abstract: Disclosed is a computer-implemented system and method for rating an asset, and, in embodiments, a system and method for performing a double-blind, three stage credit rating of a securitized instrument, such as without limitation, a commercial mortgage backed security or an asset thereof. The disclosed method utilizes a secure database structure which trifurcates information relating to the asset being rated into first, second, and third analytical stages. Asset information is distributed such that analysts at each stage have access to only that information which is relevant to the scope of the particular analytical stage being performed, while irrelevant and prejudicial information is withheld from the analyst. Unique access tokens are employed to control access to stage data and to maintain the integrity of the analytical process.

Abstract: The invention relates to computer based user alertness monitoring systems for detecting and alleviating user fatigue. A computer-implemented automated system and method for detecting and reducing user fatigue is provided. The invention detects user alertness based on user dexterity using computer input devices and remedies a fatigued state by implementing visual, tactile and/or aural stimuli. Compensation mechanisms for increased ambient temperature and noisy environments are also presented.

Abstract: Disclosed is a computer-implemented system and method for rating an asset, and, in embodiments, a system and method for performing a double-blind, three stage credit rating of a securitized instrument, such as without limitation, a commercial mortgage backed security or an asset thereof. The disclosed method utilizes a secure database structure which trifurcates information relating to the asset being rated into first, second, and third analytical stages. Asset information is distributed such that analysts at each stage have access to only that information which is relevant to the scope of the particular analytical stage being performed, while irrelevant and prejudicial information is withheld from the analyst. Unique access tokens are employed to control access to stage data and to maintain the integrity of the analytical process.