# US 12,117,823 B1 · Monitoring systems and methods for assessing risk

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 12,117,823 B1
- Document ID: US12117823B1
- Status: Granted
- Kind: B1
- Application number: 17/344,401
- Filed: 2021-06-10
- Granted: 2024-10-15
- Earliest claimed: 2020-06-10
- Assignees: United Services Automobile Association (USAA)
- Applicants: United Services Automobile Association (USAA)
- Inventors: Jason Paul Spirko; Joseph Wayman; Darren Lee Ellis; Frank Edward Clark
- Web page: https://patentgrep.com/patent/US12117823B1

## CPC

- G05B 23/0286: {Modifications to the monitored process, e.g. stopping operation or adapting control}
- G05B 23/0221: {Preprocessing measurements, e.g. data collection rate adjustment; Standardization of measurements; Time series or signal analysis, e.g. frequency analysis or wavelets; Trustworthiness of measurements; Indexes therefor; Measurements using easily measured parameters to estimate parameters difficult to measure; Virtual sensor creation; De-noising; Sensor fusion; Unconventional preprocessing inherently present in specific fault detection methods like PCA-based methods}
- G06F 16/2228: {Indexing structures}
- G06F 16/2379: {Updates performed during online database operations; commit processing}
- G05B: CONTROL OR REGULATING SYSTEMS IN GENERAL; FUNCTIONAL ELEMENTS OF SUCH SYSTEMS; MONITORING OR TESTING ARRANGEMENTS FOR SUCH SYSTEMS OR ELEMENTS (systems for controlling or regulating non-electric variables G05D; systems for regulating electric or magnetic variables G05F; control devices or systems insofar as characterised by mechanical features only G05G)
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

The presently disclosed systems and methods provide monitoring systems and methods for assessing risk based on individual risk control categories. In an embodiment, the risk is assessed based on data for a particular control category. A subset of the data is weighted according to a first weighting function, and a different subset of the data is weighted according to a second weighting function. The weighted data is combined to generate a control health index that may be used to assess risk.

## Claims

### Claim 1

A risk monitoring system comprising:
a first database;
a plurality of sensors that provide sensor data to the first database to populate respective fields of the first database; and
a computing device comprising:
a second database; and
a control system comprising a processor and a volatile memory, wherein the volatile memory comprises processor-executable instructions configured to cause the processor to:
receive data from the first database;
populate fields of the second database with the data, wherein the second database assigns the data to an individual risk control of a plurality of risk controls;
extract control category data of each individual risk control from the second database, wherein each individual risk control comprises a plurality of control attributes indicated by the control category data, wherein each individual control attribute is associated with a category of control attribute of a plurality of categories of control attribute;
perform a first weighting function on a first subset of the control category data for each individual risk control to generate a first score of the first subset, wherein the first subset of the control category data is related to a first category of control attribute;
perform a second weighting function on a second subset of the control category data for each individual risk control to generate a second score of the second subset, wherein the first weighting function has a different weight than the second weighting function, wherein the second subset of the control category data is related to a second category of control attribute, and wherein the first subset and the second subset are non-overlapping;
generate an index for each individual risk control based on a combination of the first score and the second score, wherein the index is part of a plurality of indices of the plurality of risk controls, and wherein each risk index is on a same scale;
determine an estimated potential change to the index; and in response to the estimated potential change being above a predetermined threshold, allocate additional processing or data storage resources.

### Claim 2 (depends on 1)

The risk monitoring system of claim 1, wherein the first subset is a priority subset and wherein the second subset is a quality subset.

### Claim 3 (depends on 2)

The risk monitoring system of claim 2, wherein a weight of the first weighting function is less than half of a weight of the second weighting function.

### Claim 4 (depends on 1)

The risk monitoring system of claim 1, wherein the processor-executable instructions are configured to cause the processor to:
receive a proposed change or update to the control category data; and
estimate a change the index for an individual risk control based on the change or update.

### Claim 5 (depends on 1)

The risk monitoring system of claim 1, wherein the processor-executable instructions are configured to cause the processor to:
display the plurality of indices of the plurality of risk controls.

### Claim 6 (depends on 1)

The risk monitoring system of claim 1, wherein the processor-executable instructions are configured to cause the processor to:
sort the plurality of risk controls based on the plurality of indices; and
generate a notification related to a ranking of a highest ranking set of the plurality of risk controls.

### Claim 7 (depends on 1)

The risk monitoring system of claim 1, wherein the index is determined based on (first subset score)*0.25)+(second set score)*0.75).

### Claim 8 (depends on 1)

The risk monitoring system of claim 1, wherein the first subset score comprises an aggregate priority score comprising requirement mapping, control framework, inherent risk, and control criticality scores.

### Claim 9 (depends on 1)

The risk monitoring system of claim 1, wherein the second subset score comprises an aggregate quality score comprising control nature, control operating effectiveness, control design effectiveness, issue identification type, residual risk, control modification, and repeat issue scores.

### Claim 10 (depends on 1)

The risk monitoring system of claim 1, comprising a plurality of sensors that generate a portion of the control category data.

### Claim 11 (depends on 1)

The risk monitoring system of claim 1, wherein the plurality of sensors comprises a door opening sensor.

### Claim 12

A method comprising:
receiving, via a processor, sensor data related to a plurality of risk controls;
processing, via the processor, the sensor data to generate control category data related to the plurality of risk controls, wherein each individual risk control comprises a plurality of control attributes indicated by a set of the control category data, wherein each individual control attribute is associated with a category of control attribute of a plurality of categories of control attribute;
performing, via the processor, a first weighting function on a first subset of the control category data for each individual risk control to generate a first score of the first subset, wherein the first subset of the control category data is related to a first category of control attribute;
performing, via the processor, a second weighting function on a second subset of the control category data for each individual risk control to generate a second score of the second subset, wherein the first weighting function has a different weight than the second weighting function, wherein the second subset of the control category data is related to a second category of control attribute, and wherein the first subset and the second subset are non-overlapping;
generating, via the processor, an index for each individual risk control based on a combination of the first score and the second score, wherein the index is part of a plurality of indices of the plurality of risk controls, and wherein each index is on a same scale;
determining, via the processor, an estimated potential change to the index; and in response to the estimated potential change being above a predetermined threshold, allocating, via the processor, additional processing or data storage resources.

### Claim 13 (depends on 12)

The method of claim 12, comprising:
monitoring, via the processor, a change in the index for each individual risk control; and
generating, via the processor, a notification when the change is greater than a predetermined threshold.

### Claim 14 (depends on 12)

The method of claim 12, wherein the index is determined based on (first subset score)*0.25)+(second set score)*0.75).

### Claim 15 (depends on 12)

The method of claim 12, comprising displaying, via the processor, the index.