Patent ID: 8423488

Claim:
A computer-implemented method of building a predictive score without model training, the method comprising: defining, by a computer, a set of predictive variables based on raw data fields generated from raw data from one or more sources, the raw data including a historical set of transactions previously generated by one or more raw data sources; generating, by the computer, a relative risk table to describe each predictive variable of the set of predictive variables; adapting, by the computer, each predictive variable to an average value of one; and combining, by the computer, the set of predictive variables having the average value of one using their associated relative risk tables to generate a predictive score for a future set of transactions; wherein each predictive variable is assigned an adapted relative risk R, and wherein for n rescaled relative-risks: R 1 , R 2 . . . Rn the eredictive score S can be generated as: S = a ⁡ ( R 1 × R 2 × … × R n n ) b 1 + a ⁡ ( R 1 × R 2 × … × R n n ) b where a and b are constants >0 to control a calibration of the predictive score S.