Abstract: A new and improved method and apparatus for risk assessment, including the use of a global computer network. The invention utilizes network-enabled software and a global computer network in order to provide access to continuously updateable information in order to perform a risk assessment. The inventive system allows a user to access risk assessment information and reference data, within the bounds of their security restrictions.

Abstract: The present invention provides for a global computer network geographic information system, or GIS, based search engine. The GIS search engine utilizes a geographic information system, or GIS, to extend the functionality of traditional databases by combining spatial features with information records. The GIS search engine correlates a business and its relevant information, such as its products and services, to a record in the database of the GIS system that corresponds to a unique geographical location. This correlation enables the GIS based search engine to limit its search results to user defined geographic criteria. In addition, the GIS based search engine can be combined with real time advertising to create a dynamic “yellow page reference.” Thus, the search engine will not only provide the name, phone number, and/or address of the business, but it can also provide additional information on the business. In other words, the search engine will provide advertising for the business.