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Stephen Cardot

Stephen Cardot is an American artist and IT scientist who founded CloudCover, a cyber risk insurance company focused on insuring data in transit. He holds patents related to insuring data transmitted over the internet. CloudCover develops in-transit data insurance and aims to become the standard for insuring data transmitted through cloud computing and the internet by applying real-time underwriting, pricing, and claims processing for cyber risks to data assets. Cardot has over 30 years of experience in web systems and first began developing ideas around insuring data transmission in the 1990s while working on early online banking projects.

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116 views2 pages

Stephen Cardot

Stephen Cardot is an American artist and IT scientist who founded CloudCover, a cyber risk insurance company focused on insuring data in transit. He holds patents related to insuring data transmitted over the internet. CloudCover develops in-transit data insurance and aims to become the standard for insuring data transmitted through cloud computing and the internet by applying real-time underwriting, pricing, and claims processing for cyber risks to data assets. Cardot has over 30 years of experience in web systems and first began developing ideas around insuring data transmission in the 1990s while working on early online banking projects.

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phillosis
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Stephen Cardot (1955 - ) an American artist and information technology scientist, born in

Canton, Illinois.
Mr. Cardot (Minneapolis, MN) is the senior inventor and patent author to "Systems and Methods
for Insuring Data over the Internet" and underwrite (TCP/IP) data transmission. This
fundamental invention creates a new type of cyber-insurance, known as incremental data
transmission insurance -or- CloudCover.
CloudCover
Stephen is the founder of CloudCover, Ltd. (Minneapolis, MN) a cyber-risk insurance
management group focused on delivering the underwriting system and method for electronic
privacy and security of data in-transit. Today as founder, Stephen leads the team that has re-
invented the underwriting of in-transit data@risk within cloud computing. Mr Cardot and his
team are completing the development on that which is appropriately being readied to real-time
underwrite, insure, mitigate risk and address the claims when transmitting global online data.
CloudCover have developed in-transit data insurance and are entering the cyber-insurance
market with a fundamental real-time risk mitigation and risk transfer process at the elemental
packet level. As CloudCover defines the online risk-gap and security vulnerabilities within
cloud-computing, the ultimate goal is to become the standard for insurance when transmitting
mobile data throughout the Internet.
Together with strategic partners, CloudCover is building the infrastructure to apply incremental
underwriting, pricing, billing, and claims adjudication for cloud insurance of cyber-risky data
assets and a host of public or private cloud-computing perils. As a result, CloudCover shall
acquire the "big data" knowledge associated with underwriting the online privacy and security
vulnerabilities of transit data. Thus the ultimate goal is to become the standard for insuring when
transmitting cloud data, also known as the CloudCover Protocol.
CloudCover Protocol
Today, the underwriting protocol for real-time (in-transit) data insurance is uniquely focused on
the worlds first cyber risk-transfer system and method to comprehensively "underwrite to
insure" real-time information, digital media, web-based payment processing systems, security
modernization of health care records, the safety of financial securities transactions, and other
online commerce that involve risks associated with valuable personal identifiable information
(PII) assets.
History
In 1996, Mr. Cardot began to develop one of the worlds first online bank projects and further
engaged secure online banking technology over the Internet. Cardot produced and directed
numerous web projects and online product introductions over the Internet 90s. He worked on
numerous Fortune 500 projects and incorporated online security web-technologies to solve the
very early stages of Internet security and privacy. With 30 years of experience in marketing and
design, with an emphasis on web systems and integration, Cardot focused on data insurance over
the previous decade. With an extensive background working on some of the worlds most
complex online information issues, Cardot was inspired to promote effective responsible
behavior concerning privacy and security online.
With so much attention to protect and secure e-commerce with encryption, Cardot initiated U.S.
process patents in 1998 to insure the transmission of data over the Internet. This intellectual area
was uncharted within the cyber-risk insurance market. The first process patents were published
and issued: 2005, 2006, 2007, 2008, 2009 and 2011 respectively. Mr. Cardot has authored
numerous patents and continues to pioneer real-time data insurance and supporting technology
for in-transit risk to digital assets.

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