RISK PROFILING AND RATING OF EXTENDED RELATIONSHIPS USING ONTOLOGICAL DATABASES
A system and method for understanding and analyzing risk for use in business and financial decisions. The system and method allow a user to query an individual or business and returns a profile and a rating associated with the risk of that entity. The profile consists of an advanced temporospatial weighted and directional knowledge graph that is generated by ingesting, processing, and transforming a vast amount of complex data for the purpose of human comprehension and further system analysis. Meanwhile, the rating is generated from a risk analysis algorithm that conducts a comprehensive analysis by categorizing and weighting all available risk factors. The system and method provide advanced insights and analytics into the inherent state, value, and risk associated with an entity and its relations.
1 . A system for risk profiling and rating of extended relationships using ontological databases, comprising:
a computing device comprising a memory, a processor, and a non-volatile data storage device;
a semantic query analyzer comprising a first plurality of programming instructions stored in the memory and operating on the processor, wherein the first plurality of programming instructions cause the computing device to:
receive a natural language query;
process the query through a natural language processing engine to extract a context of the query; and
send the query and the context to an ontological database generator;
an ontological database generator comprising a second plurality of programming instructions stored in the memory and operating on the processor, wherein the second plurality of programming instructions cause the computing device to:
receive the query and the context;
conduct at least an Internet search for information related to the query and the context using a web scraper tool to obtain search results;
generate an ontological database of relationships from the search results; and
store the ontological database on the non-volatile data storage device;
a directed computational graph module comprising a first plurality of programming instructions stored in the memory of, and operating on the processor of, a computing device, wherein the first plurality of programming instructions, when operating on the processor, cause the computing device to:
analyze the ontological database for query-related information, the query-related information comprising entities, locations, and topics associated with the subject;
create a weighted and directed knowledge graph, the weighted and directed knowledge graph comprising nodes representing the entities, locations, and topics associated with the subject and edges representing the relationships to the nodes in relation to the subject or the associated nodes, wherein:
each node is assigned a risk value based on relationships in the ontological database; and
each edge is assigned a probability of influence between the nodes to which it is connected; and
a risk rating engine comprising a third plurality of programming instructions stored in the memory and operating on the processor, wherein the third plurality of programming instructions cause the computing device to:
identify paths within the directed graph which meet a pre-determined threshold of likelihood;
iterate over the nodes and edges in each identified path to determine a probability of occurrence and risk impact associated with that path; and
assign a risk rating to each path identified, based on the probability of occurrence and risk impact associated with that path.
2 . A method for risk profiling and rating of extended relationships using ontological databases, comprising the steps of:
receiving a natural language query;
processing the query through a natural language processing engine to extract a context of the query;
conducting at least an Internet search for information related to the query and the context using a web scraper tool to obtain search results;
generating an ontological database of relationships from the search results;
storing the ontological database on the non-volatile data storage device;
analyzing the ontological database for query-related information, the query-related information comprising entities, locations, and topics associated with the subject;
creating a weighted and directed knowledge graph, the weighted and directed knowledge graph comprising nodes representing the entities, locations, and topics associated with the subject and edges representing the relationships to the nodes in relation to the subject or the associated nodes, wherein:
each node is assigned a risk value based on relationships in the ontological database; and
each edge is assigned a probability of influence between the nodes to which it is connected; and
identifying paths within the directed graph which meet a pre-determined threshold of likelihood;
iterating over the nodes and edges in each identified path to determine a probability of occurrence and risk impact associated with that path; and
assigning a risk rating to each path identified, based on the probability of occurrence and risk impact associated with that path.