Patent ID: 8600894

Claim:
A rating system, comprising: a processor, a secure database operably coupled to the processor, said secure database including a stage one database, a stage two database, and a stage three database; and a computer-readable storage medium operably coupled to the processor including instructions which, when executed on the processor, cause the processor to perform a method comprising: receiving applicant raw data from an applicant, said applicant raw data including stage one data, stage two data, and stage three data; storing the stage one data in the stage one database, the stage two data in the stage two database, and the stage three data in the stage three database; generating a stage one access token granting access to the stage one database, generating a stage two access token granting access to the stage two database, and generating a stage three access token granting access to the stage three database; accessing the stage one database using the stage one access token, evaluating the stage one data to generate a stage one score, and storing the stage one score in the stage two database; accessing the stage two database using the stage two access token, evaluating the stage two data to generate a stage two score, and storing the stage one score and the stage two score in the stage three database; accessing the stage three database using the stage three access token and evaluating the stage three data to generate a final rating; generating a final rating access token; and transmitting the final rating access token to the applicant to enable the applicant to access the final rating.