作为网络保险推动者的证券定价：差异化定价市场初探
Security Pricing as an Enabler of Cyber-Insurance: A First Look at Differentiated Pricing Markets
摘要：
尽管网络风险管理服务（例如，网络保险）来提高信息安全，但它们的部署相对较少，主要是由于这些服务公司无法保证盈利。作为一种使网络保险服务更加可行的新方法，我们探索了安全供应商之间的共生关系（例如，赛门铁克）能够在价格上区分其客户，以及拥有与其客户的安全投资相关的信息的网络保险机构。这种关系的目标是（i）允许安全供应商根据保险机构的安全投资信息对客户进行价格区分，（ii）允许供应商获得比同质定价环境更多的利润，以及（iii）随后将部分额外利润转移到网络保险机构，使保险服务更加可行。\noindent在本文中，我们进行了一个市场的差异化安全产品定价的理论研究，主要是为了确保安全供应商（SV）在差异化定价的情况下比非差异化定价的情况下获得更多的利润。为了切实实现这样的定价市场，我们提出了新的和\emph{computationally efficient}消费者区分的SV定价机制的基础上（一）市场结构，（二）通信网络结构的SV消费者捕获通过消费者的\emph{Bonacich centrality}在网络中，和（三）安全投资金额的SV消费者。
英文摘要：
Despite the promising potential of network risk management services (e.g., cyber-insurance) to improve information security, their deployment is relatively scarce, primarily due to such service companies being unable to guarantee profitability. As a novel approach to making cyber-insurance services more viable, we explore a symbiotic relationship between security vendors (e.g., Symantec) capable of price differentiating their clients, and cyber-insurance agencies having possession of information related to the security investments of their clients. The goal of this relationship is to (i) allow security vendors to price differentiate their clients based on security investment information from insurance agencies, (ii) allow the vendors to make more profit than in homogeneous pricing settings, and (iii) subsequently transfer some of the extra profit to cyber-insurance agencies to make insurance services more viable. \noindent In this paper, we perform a theoretical study of a market for differentiated security product pricing, primarily with a view to ensuring that security vendors (SVs) make more profit in the differentiated pricing case as compared to the case of non-differentiated pricing. In order to practically realize such pricing markets, we propose novel and \emph{computationally efficient} consumer differentiated pricing mechanisms for SVs based on (i) the market structure, (ii) the communication network structure of SV consumers captured via a consumer's \emph{Bonacich centrality} in the network, and (iii) security investment amounts made by SV consumers.
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