US 12,614,233 B1Granted

Geospatial data processing and alerting platform for financial risk monitoring

AssigneeMorgan Stanley Services Group Inc.

InventorsMilad Aghamohamadnia, Brianne K. Hendrickson-Smith, Nicolette M. Robinson, Sheng C. Tzou, Alexandra Berenyi, Andrew K. Ford

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Abstract

Computer-implemented systems and methods monitor financial risk monitoring using geospatial data. The system includes a data ingestion pipeline that processes heterogeneous geospatial data, normalizes the data into a common spatial reference framework, and applies hierarchical spatial indexing. The indexed data is stored in a geospatial database configured to maintain metadata and alert rules. A financial system stores information linking financial instruments and portfolios to geospatial regions. An application programming interface (API) layer enables spatial querying, rule-based alert evaluation, and notification delivery. A user interface subsystem deployed on client devices facilitates interaction with the system through graphical dashboards, programmatic tools, or natural language inputs. The system supports real-time monitoring and automated alerting based on spatial triggers and financial exposure thresholds, enabling decision-making for risk-sensitive financial domains. The architecture supports high-throughput processing, flexible deployment, and integration with external financial systems and workflows.

Claims23

Dependent claims

A computer-implemented system for financial risk monitoring using geospatial data, comprising:

a data ingestion pipeline comprising one or more processors configured to:
ingest geospatial data from a plurality of heterogenous data sources in disparate formats;
normalize the geospatial data into a common spatial reference framework;
and
after normalizing, apply spatial indexing to the geospatial data using a hierarchical grid-based indexing scheme at multiple resolutions;
and
after applying spatial indexing, store the geospatial data in a geospatial database;
the geospatial database, implemented using a spatially indexed relational database system and configured to store:
metadata describing data sources and update intervals;
and
alert rules associated with geospatial conditions;
a financial system, comprising one or more data stores that maintain information identifying financial instruments and portfolios, and linkage data associating the financial instruments with corresponding geospatial regions;
an application programming interface (API) layer, implemented in software and comprising:
a query processor configured to receive spatial queries and retrieve responsive geospatial data from the geospatial database;
a rules engine configured to evaluate alert conditions based on incoming data updates and registered rules;
and
a notification subsystem configured to transmit alert notifications when one or more alert conditions are satisfied;
and
a user interface subsystem comprising one or more software modules deployed on client computing devices and communicatively coupled to the rules engine and the geospatial database, the user interface subsystem being configured to receive user inputs and present alert-related outputs, thereby enabling end-user interaction with the system.

16 more elements

A computer-implemented method for financial risk monitoring using geospatial data, comprising:

by a data ingestion pipeline comprising one or more processors, ingesting geospatial data from a plurality of heterogeneous data sources in disparate formats;
by the data ingestion pipeline, after ingesting the geospatial data, normalizing the geospatial data into a common spatial reference framework;
by the data ingestion pipeline, after normalization, applying spatial indexing to the geospatial data using a hierarchical grid-based indexing scheme at multiple resolutions;
by the data ingestion pipeline, after applying the spatial indexing, storing the geospatial data in a geospatial database;
by the geospatial database, implemented using a spatially indexed relational database system, maintaining:
metadata describing data sources and update intervals;
and
alert rules associated with geospatial conditions;
by a financial system comprising one or more data stores, maintaining information identifying financial instruments and portfolios, and linkage data associating the financial instruments with corresponding geospatial regions;
by an application programming interface (API) layer implemented in software, receiving a spatial query via a query processor and retrieving responsive geospatial data from the geospatial database;
by a rules engine within the API layer, evaluating alert conditions based on incoming data updates and the alert rules;
by a notification subsystem within the API layer, transmitting alert notifications when one or more alert conditions are satisfied;
and
by a user interface subsystem comprising one or more software modules deployed on client computing devices and communicatively coupled to the rules engine and the geospatial database, receiving user inputs and presenting alert-related outputs, thereby enabling end-user interaction with the system.

11 more elements

Dependencies are inferred from the claim text.

Facts

Application: 19/326,328Filed 11 Sep 2025
Granted: 28 Apr 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 40/062
Asset management; Financial planning or analysis: investment screening, selection or watchlist
G06F 16/29
Of structured data, e.g. relational data: geographical information databases
G06F 16/9537
Querying, e.g. by the use of web search engines: spatial or temporal dependent retrieval, e.g. spatiotemporal queries
G06Q 40/06
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: asset management; Financial planning or analysis