Systems, Computer Implemented Methods, Geographic Weather-Data Selection Interface Display, and Computer Readable Medium Having Program Products to Generate User-Customized Virtual Weather Data and User-Customized Weather-Risk Products Responsive Thereto

A computer-implemented method to facilitate simulation of a user customized weather-risk product for a selected geographic location, the computer-implemented method including one or more computers being positioned in communication with one or more weather-risk actuarial databases having weather-risk actuarial data associated therewith and one or more weather station databases having weather-station location data and weather-station historical data for each of a plurality of weather stations associated therewith, the computer-implemented method comprising:

• simulating a virtual weather-data-station including the steps of:
• generating a geographic weather-data selection interface to display on the one or more displays of the one or more remote computers so that the geographic weather-data selection interface includes a geographic map image corresponding to geographic coordinates and a plurality of weather-station markers overlaid on the geographic map image, each of the plurality of weather-station markers corresponding to a geographic location of an existing actual weather station and anchored to a specific position on the geographic map image so that the each of the plurality of weather-station markers appear to be at the same location on a simulated surface in the map image regardless of changes in scale and focus, and
• determining a plurality of weather-station identifiers responsive to receipt of the plurality of geographic parameters received from the geographic weather-data selection interface;
• simulating virtual weather-data including the steps of:
• generating virtual weather data responsive to a plurality of station-specific weather histories;
• and
• simulating a weather-risk-product including the steps of:
• generating a weather-risk selection interface to display on the one or more displays of the one or more remote computer devices, thereby to allow for the selection of a plurality of user-selected weather-risk parameters,
• determining the timeframe-specific virtual weather data responsive to the virtual weather data and one or more of the plurality of user selected weather-risk parameters,
• determining a plurality of customized contract terms responsive to the user selected weather-risk parameters and the timeframe-specific virtual weather data, and
• generating a weather-risk confirmation interface to display to the user at the one or more remote computers, responsive to the plurality of user-selected weather-risk parameters, timeframe-specific virtual weather data, and plurality of customized contract terms a weather risk product, thereby to provide a simulated performance of the weather-risk product.

A computer-implemented method for generation of a user customized weather-risk product for a selected geographic location, the computer-implemented method including one or more computers being positioned in communication with one or more weather-risk actuarial databases having weather-risk actuarial data associated therewith and one or more weather station databases having weather-station location data and weather-station historical data for each of a plurality of weather stations associated therewith for developing a simulated response to one or more of adverse weather conditions and unexpected weather conditions, the computer-implemented method comprising:

• providing a virtual weather-data-station designer computer program module to perform the following operations:
• generating a geographic weather-data selection interface to display on the one or more displays of the one or more remote computers so that the geographic weather-data selection interface includes a geographic map image corresponding to geographic coordinates and a plurality of weather-station markers overlaid on the geographic map image, each of the plurality of weather-station markers corresponding to a geographic location of an existing actual weather station and anchored to a specific position on the geographic map image so that the each of the plurality of weather-station markers appear to be at the same location on a simulated surface in the map image regardless of changes in scale and focus, the geographic weather-data selection interface configured to allow a user associated with the geographic weather-data selection interface to select a plurality of geographic parameters for the relevant geographic location on the geographic map image at one or more locations corresponding to one or more unique positions on the geographic map image, and
• determining a plurality of weather-station identifiers responsive to receipt of the plurality of geographic parameters received from the geographic weather-data selection interface, each of the plurality of weather station identifiers corresponding to the weather-station location data having a weather-station location adjacent the user-selected map area, thereby to be positioned for use as a key in a relational database to relate the each of the plurality of the weather station identifiers to one or more data records for the weather station corresponding to the each of the plurality of the weather-station identifiers;
• providing a virtual weather-data generator computer program module in communication with the one or more weather station databases to perform the following operations:
• generating virtual weather data responsive to a plurality of station-specific weather histories stored in the one or more weather station databases;
• providing a weather-risk-product generator computer program module to perform the following operations:
• generating a weather-risk selection interface to display on the one or more displays of the one or more remote computer devices, thereby to allow for the selection of a plurality of user-selected weather-risk parameters, the weather-risk selection interface including a customized historical weather summary responsive to the virtual weather data during the user-selected risk endurance range,
• determining the timeframe-specific virtual weather data responsive to the virtual weather data and one or more of the plurality of user selected weather-risk parameters,
• determining a plurality of customized contract terms responsive to the user selected weather-risk parameters and the timeframe-specific virtual weather data, and
• generating a weather-risk confirmation interface to display to the user at the one or more remote computers, responsive to the plurality of user-selected weather-risk parameters, timeframe-specific virtual weather data, and plurality of customized contract terms a weather risk product, thereby to provide a simulated performance of the weather-risk product.

A computer-implemented method for simulation of a user customized weather-risk interface for a selected geographic location, the computer-implemented method including one or more computers being positioned in communication with one or more weather-risk actuarial databases having weather-risk actuarial data associated therewith and one or more weather station databases having weather-station location data and weather-station historical data for each of a plurality of weather stations associated therewith for developing a simulated response to one or more of adverse weather conditions and unexpected weather conditions, the computer-implemented method comprising:

• providing a virtual weather-data-station designer computer program module to perform the following operations:
• generating a geographic weather-data selection interface to display on the one or more displays of the one or more remote computers, the geographic weather-data selection interface including a geographic map image corresponding to geographic coordinates and a plurality of weather-station markers overlaid on the geographic map image, each of the plurality of weather-station markers corresponding to a geographic location of an existing actual weather station and anchored to a specific position on the geographic map image so that the each of the plurality of weather-station markers appear to be at the same location on a simulated surface in the map image regardless of changes in scale and focus, the geographic weather-data selection interface being configured to allow a user associated with the geographic weather-data selection interface to select a plurality of geographic parameters for the relevant geographic location on the geographic map image at one or more locations corresponding to one or more unique positions on the geographic map image, and
• determining a plurality of weather-station identifiers responsive to receipt of the plurality of geographic parameters received from the geographic weather-data selection interface.