# US 2018/0322579 A1 · Investor controlled risk matrix

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- Number: US 2018/0322579 A1
- Document ID: US20180322579A1
- Status: Published application
- Kind: A1
- Application number: 15/585,446
- Filed: 2017-05-03
- Published: 2018-11-08
- Earliest claimed: 2017-05-03
- Inventors: Bruce A. Macdonald
- Web page: https://patentgrep.com/patent/US20180322579A1

## CPC

- G06Q 40/06: Asset management; Financial planning or analysis
- G06F 7/588: {Random number generators, i.e. based on natural stochastic processes}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

A system and method for user created 2-dimensional risk classes and levels is described. These classes are implemented as a matrix of real numbers. In one embodiment, this matrix allows the user to create and select risk thresholds for the placement of bets that from an investment perspective can lead to the construction of a new type of financial instrument similar to low yield, low risk government issued bonds. In a second embodiment this is a zero-consideration contest where users compete at no cost for prizes to be awarded. In a third embodiment (and where it is legal to do so), this is a gambling application. The risk matrix is created and managed by the user and no one else. The construction of the matrix is described in detail. Included are computer runs that highlight important aspects of the invention.

## Claims

### Claim 1

An investment strategy, comprising:
a matrix including a plurality of cells, wherein each cell represents a unique probability of winning for the game;
a queue for one or more participants; and
a random number generator;
wherein each participant may selectively bet on one or more cells;
wherein the random number generator generates a random number that corresponds to one of the plurality of cells; and
wherein each participant that selected bet on the corresponding one of the plurality of cells is awarded a payout proportional to the number of participant s in the queue.
wherein a strategy framework that allows the participant to create and manage their risk exposure (chance) to any arbitrary numerical precision between 0% and 100%.

### Claim 2

A gambling application (where such is permitted and which varies from country to country and state to state), comprising:
a matrix including a plurality of cells, wherein each cell represents a unique probability of winning for the game;
a queue for one or more participant s; and
a random number generator;
wherein each participant may selectively bet on one or more cells;
wherein the random number generator generates a random number that corresponds to one of the plurality of cells; and
wherein each participant that selected bet on the corresponding one of the plurality of cells is awarded a payout proportional to the number of players in the queue.
wherein a strategy framework that allows the participant to create and manage their risk exposure (chance) to any arbitrary numerical precision between 0% and 100%.

### Claim 3

A zero-consideration contest consisting of:
a matrix including a plurality of cells, wherein each cell represents a unique probability of winning for the game;
a queue for one or more participants; and
a random number generator;
wherein each participant may selectively bet on one or more cells;
wherein the random number generator generates a random number that corresponds to one of the plurality of cells; and
wherein each participant that selected bet on the corresponding one of the plurality of cells is awarded a payout proportional to the number of participants in the queue.
wherein a strategy framework that allows the participant to create and manage their risk exposure (chance) to any arbitrary numerical precision between 0% and 100%.