Abstract: An apparatus for estimating bio-information of a user may include a first sensor configured to measure a first signal from the user; a second sensor configured to measure a second signal from the user; and a processor configured to obtain a first characteristic point from the first signal; obtain a second characteristic point from the second signal based on the first characteristic point and a pre-defined probability distribution function; and estimate the bio-information of the user based on the second characteristic point.

Abstract: An apparatus for generating a blood pressure estimation model includes: a signal acquirer configured to receive input a first signal and a second signal from a user; and a processor configured to obtain a pulse transit time (PTT) as a first predictor variable value based on the first signal and the second signal, to extract at least one feature from the second signal, to obtain a second predictor variable value based on the extracted at least one feature, and to generate a blood pressure estimation model based on the first predictor variable value and the second predictor variable value.

Abstract: A system and method for estimating portfolio risk using an infinitely divisible distribution is provided. A time series comprising a plurality of risk factors applicable over at least one time horizon, a portfolio comprising a plurality of financial assets, and one or more risk adjusted return points for the financial assets are stored. The financial assets are associated with the risk factors. The parameters of one or more risk factors such as financial returns series are estimated based on an infinitely divisible tempered stable distribution model exhibiting leptokurtic behavior. Scenarios are generated for the model. One of Value at Risk, Average Value at Risk, and their derivatives are then determined.